Refinanced My $40,000 First Car!

In January I was able to refinance My $40,000 First Car with a local credit union. My interest rate went from 22.95% to 7%. Monthly payments went from $490.98 to $306.51. I’ll be on the hook for this until January 2025, with a total payment amount of $22,068.32.… Read More


My Top 5 Side Hustles 2019: Earn an Extra $1,000 Per Month

We live in a 24/7 on-demand economy. At any moment if somebody wants something or wants to be somewhere all it takes is a click of a mouse or a tap on a phone. As someone trying to achieve their finical independence, you can leverage this on-demand economy to help you get there.… Read More


What is the UltraFICO Score? How does it work?

There is a lot of buzz in the credit score world regarding the UltraFICO Score. What exactly is the UltraFico Score? Will it help or hurt my credit score? How does it work? These are just a few questions people are asking, so I’ll do my best to answer them.… Read More


My Black Friday Arbitrage Deal – Over $100 in Profit

Best Buy had a 43inch Toshiba 4k Smart TV at a great discounts. These things were selling like hot cakes.  The TV is regularly priced around $300, Best Buy has on discount at $129.95. With tax it cost me $137.50.  That gives me a healthy re-sell margin.… Read More


EveryDollar Review: Dave Ramsey’s Budgeting App

EveryDollar is a free budgeting app that comes from the Ramsey camp (not to be confused with the Dave app). It works under the idea of “zero-based budgeting.”

This is when you divide your monthly paycheck among your bills and expenses, leaving you with $0 unbudgeted.Read More


Credit Score Update October 2018 – I Have Good Credit!

October Credit Score

MFICO credit score has passed 700! A couple of months early than I predicted, which is great. Now I’m considered to have good credit. This should help me get a better refinancing deal on my $40,000 first car.… Read More


Mega Millions – 51 Tickets Case Study

Please be aware that I consider this a experiment and not gambling.

Any time the mega millions lottery gets close to a billion dollars anywhere you go you’ll hear people talking about. I have heard stories about what people will do if they when, how they will quit their jobs, pay off their familie’s debts, buy a brand new car, etc.  Hopping on the lottery to be their only way to finical wealth, which is foolish when you consider the odds. 

Typically anytime I see the mega millions get close to a billion dollars I like to buy more than average amount of tickets and see what happens.… Read More


My First Car Cost Me $40,000 – Upside Down Car Loan

I finally obtained my driver’s license in summer 2018 (22 years old) and I had $1,000 saved up to put a down payment on my first car. So I browsed around on to figure out what car I wanted. The Mazda A3 and A6 (2010-2012) appealed to me and was in my price range.  

I contacted every dealer in my area that had a 2010-2012 model.  All the dealerships ended up rejecting me for financing.  Due to my credit score/history being to low for a $1,000 downpayment.  I would have to put down around $2,500, which I was not comfortable with at the time. 

Off To the Bad Credit Dealership! 

I wanted to get a car so bad I ended going to one of those bad credit car dealers.… Read More


Lyft is Paying You Not to Drive Your Car!

Lyft is running a promotion called #DitchYourCar. In 35 cities, that they operate in, their giving 50 people the chance to get around for free. Where if you win you’ll be given $500 worth of credit for transportation services.… Read More


My Credit Cards: September 2018

In the months of July and August 2018 I opened 3 new credit cards. When I applied for these cards my fico score was 590 and I had no collections on my report.

Being that I’m not a college student and my first credit card was closed in 2015, I didn’t have a wide range of options.… Read More