Video Gaming on a Budget: How to Save Money on Video Games

Video gamer thumbnail.jpg

Video gaming isn’t the cheapest past time. You pay hundreds of dollars for a gaming console (or thousands if you want to buy a powerful gaming PC) and AT LEAST $50-$60 for every new game you get.

If you are a thrifty video gamer you don’t have to worry, though, because there are some really great ways to save money as a gamer on a budget. Here are my tips for being a thrifty gamer!

Buy Used or Vintage Games

The greatest video game franchises from The Legend of Zelda to Lara Croft: Tomb Raider to Super Mario and Final Fantasy have decades of great video games to play. You need to look no further than a garage sale or a used video game store to find one of thousands of great games you can find at prices that are much cheaper than games that just came out recently.

In the tech world it can be very easy to fall prey to the traps of consumerism that tell you that YOU MUST have the latest and greatest gadget or else it’s completely pointless and obsolete. This is an area that can take some self-control as you learn to resist the lull of a consumer-driven society. Remember that just because something is new that doesn’t mean it’s necessarily better. There are many people that rush out to buy gaming consoles or video games the first week they come out only to discover that their purchase was a dud.


Consider a Subscription Service

The entertainment world is going through massive disruption now as people shift towards using streaming services as their primary means of consuming media. It’s not just services like Netflix or Hulu that are streaming, it’s also video game companies, too. Playstation Now has a service that gives you access to hundreds of games for $20/month. You don’t even need a video game console- you can use a Sony Blu-Ray player with a Playstation controller.

Even thought Playstation Now only has last-generation games it offers a really good value if you are someone that is used to spending money each month on video games. It’s kind of a waste to dish out $60 on a video game if you only play through it once and then give it up. This gives you the opportunity to just pay $20 and get access to HUNDREDS of games. There are more subscription services for video games like PS Now on the horizon so be on the lookout for things to come.

Download Less Expensive Indie Games

The games from the major publishers definitely get the most attention, but there are some really awesome games available to download from indie publishers too. These games may not be as expensive but it’s amazing to see the creative gameplay that the inventive minds behind the likes of Super Meat Boy, The Binding of Isaac, Braid, and World of Goo have come up with.

There are many awesome games, with hours of gameplay from indie developers to check out for less than $20 such as those from Green Man Gaming.

Purchase a Humble Software Bundle

Humble is an awesome service which offers software bundles in a pick-your-price model where you get to choose exactly how much of your money goes to Humble and how much goes to a charity of your choice. Every month you can get software for as little as $1.

They also offer a monthly subscription service for $12/month where you get a curated bundle of games (worth over $100) each month. 5% of your monthly subscription fee will go to charity as well. Check it out here

If you enjoyed this post, make sure to follow this blog for more updates on frugal living, as well as stay updated on YouTube, Facebook, Twitter, and Pinterest. Thanks for reading!

 

You Can Literally Get Paid to Use Bing as Your Search Engine: Find Out How

Zdfx4cj5_400x400.png

It’s no secret that Google has the most popular search engine out there, but that doesn’t mean that other search engines can provide acceptable service for your web-browsing needs.

Take into consideration Microsoft’s Bing. It’s a fast, snappy engine that provides relevant search results at a level of proficiency that’s acceptable to the needs of most internet users.

One particular perk of using Bing is that Microsoft will actually pay you to use it, in addition to their web browser Microsoft Edge (the successor to Microsoft Explorer. This program is known as Bing Rewards

How It Works

By using Bing and/or Microsoft Edge, shopping with Microsoft (using your relevant Bing Rewards-linked account), and completing tasks like answering quizzes on the Bing Rewards homepage you earn “credits.”

10 credits is roughly equivalent to one penny. Once earned, they can be redeemed for gift cards, Skype credit, charity pledges, or tickets for sweepstakes entries.

The Earning Process Works as Follows:

-Searching on Bing while logged into your Bing Rewards account will result in earnings of 5 points per search, with a maximum total of 50 points per day.

-You earn 5 points an hour for using Microsoft Edge, with a maximum of 5 points per day you can earn.

-You get 1 point for every dollar spent at Microsoft, Xbox, and Windows stores.

-You get additional points for quizzes and special offers. At the time of writing there were multiple trivia quizzes where you could search Bing for the answers to earn credits available.

Once you earn 500 points in a month you reach Level 2. At Level 2 you can earn up to 250 credits a day searching Bing, and you get discounts on Microsoft products

Where to Sign Up

Using Bing Rewards won’t make you an instant millionaire. If you are seeking this out as a way to specifically earn extra money, you will probably be frustrated.

On the other hand, if you are willing to switch to Bing as your default search engine and casually rack up credits on the side as you browse the web, it could be a good way to get an extra $5-$10 in your pocket towards an Amazon gift card after a few months.

If you want to try it out, sign up here

If you enjoyed this post, make sure to follow this blog for more updates on frugal living, as well as stay updated on YouTube, Facebook, Twitter, and Pinterest. Thanks for reading!


How to Make More Money from Tips as a Food Delivery Driver

Delivery Driver Tips.jpg

Whether you work for an on-demand food delivery app service like Postmates or Uber EATS or you deliver pizzas for your local Italian eatery, there are some strategies you can utilize if you want to ensure you get good tips and maximize your earnings. Here are some things I’ve come up with that help to keep the customers happy, provide exceptional service, and make sure they return to repeat business.

Text the Customer and Introduce Yourself

When customers order food online or through an app it can seem like a very mechanical experience. For all they know, a robot could be delivering the food to them. And while robot delivery isn’t the industry standard (yet!), it is still helpful to introduce yourself to the customer to help humanize the experience.

A simple text message that shows personality, tells them your first name, and offers to be there if they have any questions can go a long way in establishing that you are indeed a real person and are genuinely trying to consider their needs. Of course you need to hurry when you are working on deliveries, so I recommend using your phone’s text-to-speech feature or sending them a picture of a standard greeting so you don’t have to type the message each time.

This goes without saying but be VERY CAREFUL when using your phone while doing deliveries. It is better to send a brief text-to-speech message BEFORE YOU START DRIVING than to text while you are on the road. Always prioritize your personal safety above all else. 

Keep the Customer Updated if There Are Any Delays

If there are any issues, send the customer a text and let them know about anything that could delay their order. If you work for a company like Postmates, for example, where you have to place restaurant orders on behalf of customers, let them know if there is a long-wait time and give them an estimate of how soon you can get on the road.

Should there be any trouble with the delivery or if you need to substitute a menu item, call the customer and clarify what they would like to do.

Get Lots of Condiments and Free Stuff From the Restaurants

Unless the customer specifically tells you they don’t want a certain condiment or utensil, go ahead and grab whatever is available (for free at least) amongst the restaurant’s selection of condiments. If there are ketchup packets, soy sauce packets, salt and pepper packets, parmesan packets, plastic cutlery, napkins, taco sauces, breath mints, or anything similar that you can take for free- GET IT.

When delivering for Postmates, I even keep a small selection of ketchup packets, taco sauce, and soy sauce with me at all times just in case a customer ever needs it. This is a small way that you can show the customer you were thinking ahead of what they might want with their order.

Apply for Delivery + Driver Jobs on Snagajob

Smile, Be Courteous, and Make Small Talk When You Drop Off the Deliveries

Your interactions with the customer in-person will be very brief so make it count. You don’t want to act like a zombie who says nothing and just hands over a bag of food. Put on a bright smile, ask the customer how their day is going, and comment on the weather or make other forms of small talk as you hand them their order. If they have a garden or anything interesting in the front of their house, make sure to compliment it.

Plus, if you picked up extra condiments for them, this is a good time to specifically mention this to the customer so you get credit for doing so! Say something like, “I made sure to get some extra ketchup packets in case you needed them” so they know that YOU were the one who thought to pick it up for the customer.

Send a Final Text Message to the Customer Thanking Them

I always send a brief message to the customer after I finish up my Postmates deliveries where I include three things- a brief thanks for their business, a reminder to please leave a review, and a final wish for them to enjoy their food and have a good day. I NEVER mention anything about tipping, but might still casually nudge them in the direction of it.

In the Postmates app, the screen where they leave the review is the same screen where they tip (HOW coincidental! What ARE the chances?!). Thus encouraging them to review me subtly leads them towards tipping.

Conclusion

When it all comes down to it, the same age-old standards of customer service apply. Be helpful and efficient, respond well to the customer’s needs, and go the extra mile to demonstrate that you are going out of your way to make the customer happy. If they can tell you are making an earnest attempt to do well at your job that often can lead to higher tips.

If you enjoyed this post, make sure to follow this blog for more updates on frugal living, as well as stay updated on YouTube, Facebook, Twitter, and Pinterest. Thanks for reading!

Ebates Review: Get Paid to Shop Online!

Follow this link to try it for free!

Ebates is a website that will give you cash back every time you follow one of their links from their website before making an online purchase. The cash back will accumulate in your balance and you get a “big fat check” sent to you every quarter for everything you’ve earned. There’s no fee to sign up, all you need to do is register, click and you’re good to go!

This is a great way to make some extra money for online purchases that you ALREADY planned on making. I’ve tried it myself and can confirm it’s totally legit and it works! If you have the chance to make a little extra money every time you shop online, why not give it a whirl?

If you enjoyed this post, make sure to follow this blog for more updates on frugal living, as well as stay updated on YouTube, Facebook, Twitter, and Pinterest. Thanks for reading!

6 Rich and Famous People You Didn’t Know Were Thrifty

6 rich and famous.jpg

You may think of penny-pinchers as people that are that scrapping by out of necessity, but it turns out there are many famous and wealthy people that despite their extravagant earnings, choose to live modestly.

Here are six of those people.

Jennifer Lawrence

Jennifer Lawrence

Image Source: By Gage Skidmore (Flickr) [CC BY-SA 2.0 (http://creativecommons.org/licenses/by-sa/2.0)%5D, via Wikimedia Commons

 

What’s not to love about everyone’s favorite Hunger Games star? Her down-to-earth demeanor has made her one of Hollywood’s most likable celebrities, but it turns out this extends to her money-spending habits as well. She likes to hunt for bargains with coupons, drives a modest car, and once ordered a $1.99 Happy Meal as a pre-Oscars snack. As she said in a Fabulous (U.K.) magazine interview, “I was raised to have value for money, to have respect for money, even though you have a lot of it. My family is not the kind of family that would ever let me turn into an a**hole or anything like that, so I am fortunate to have them.”

Hillary Swank

Hilary Swank 2009

Image Source: Georges Biard [CC BY-SA 3.0 (http://creativecommons.org/licenses/by-sa/3.0)%5D, via Wikimedia Commons

 

She may be an Academy Award winning-actress, but Ms. Swank is also an avid coupon-clipper. As she said in a 2010 interview with Regis and Kelly, “When you open up the paper and you see those coupons it’s like dollar bills staring you in the face!” When asked if she ever feels embarrassed to use coupons she said she was not, adding, “Why not? It’s how I grew up. It’s in my bones.”

Warren Buffet

Warren Buffett at the 2015 SelectUSA Investment Summit

Image Source: Wikimedia Commons

 

This legendary investor is reportedly worth more than 76 billion dollars, according to Forbes magazine. That hasn’t stopped him from staying frugal, however. He lives in the same Omaha, Nebraska home that he’s lived in since 1958 that he originally purchased for $31,500. He also doesn’t keep a cell phone on him or a computer at his desk, enjoys cheap fast food meals, and once had a license plate that said “THRIFTY.” A great thing about Mr. Buffet is that his frugality seemingly isn’t motivated by greed as he has pledged to give more than 99% of his wealth to charity.

Mark Zuckerberg 

Mark Zuckerberg TechCrunch 2012

Image Source: By TechCrunch [CC BY 2.0 (http://creativecommons.org/licenses/by/2.0)%5D, via Wikimedia Commons

 

The founder and CEO of Facebook is infamous for wearing the exact same thing to work every day– a simple T-shirt, hoodie, and jeans. According to him, always wearing the same outfit helps simplify his life by helping to minimize basic daily decisions. Rather than going for an expensive Tesla or Ferrari, as of 2014, he was driving a manual-transmission, four-door hatchback Volkswagon car that cost less than $31,000.

Jay Leno

Jaylenocropped.jpg

Source: Wikimedia Commons (Public Domain photo)

 

It might be hard to believe, but the entire time Jay Leno hosted “The Tonight Show,” he never spent a penny of his salary from NBC, instead putting it ENTIRELY in savings. For his expenditures, he relied on his earnings from stand-up comedy shows (which he continued to do on the weekends in addition to his hosting duties). As he told Jerry Seinfeld on “Comedians in Cars Getting Coffee,” “You know, when I was a kid I always had two jobs. And I would bank one and I’d spend the other. Then when I got ‘The Tonight Show’ I just continued that.”

Kristen Bell

Kristen Bell by Gage Skidmore

Image Source: Gage Skidmore [CC BY-SA 3.0 (http://creativecommons.org/licenses/by-sa/3.0)%5D, via Wikimedia Commons

 

Frozen was one of the most successful films of all time, and Ms. Bell most certainly earned a pretty penny as a leading voice actress in the beloved Disney movie. Despite that, she still is an avid coupon queen. As she told Conan O’Brien, “I almost exclusively shop with coupons. The best coupon you can get, possibly in the world, is the Bed, Bath & Beyond coupon. And you know it’s the best one! Because it’s like 20 percent off, and if you buy a duvet or an air conditioner, you could be saving upwards of $80!” Amen, sister.

If you enjoyed this post, make sure to follow this blog for more updates on frugal living, as well as stay updated on YouTube, Facebook, Twitter, and Pinterest. Thanks for reading!

Rich and famous.jpg

What is DailyPay and How Can It Benefit On-Demand Drivers? *UPDATED*

dailypay-logo_consumers-blk

This post contains affiliate links from DailyPay

As you may have seen already on my blog, I have worked as a delivery driver for GrubHub. This was an overall interesting experience for me and a great way to pick up some extra income. I can say as a driver, though, that when you’ve worked a bunch of hours to earn some extra cash, having to wait until payday to actually get that money is a huge bummer.

Which brings me to DailyPay. DailyPay is a service that lets on-demand drivers for companies like GrubHub, DoorDash, and Fasten get their daily earnings up-front rather than having to wait till payday. This isn’t a loan and you don’t have to pay it back. All of your money will come to you through DailyPay, and then GrubHub will send them your earnings total for each pay period to make up the difference.  Be aware that because DailyPay can’t see your tips total with GrubHub, tips for GrubHub drivers will still come after one business day of your normal payday. The cost for it comes from a small transfer fee each time you elect to receive your payment.

How it works

After you’ve worked your blocks for a day with GrubHub, they will officially record and report your earnings to DailyPay two days later. There is a slight delay because of the way GrubHub reports your earnings, but all other apps will have your daily earnings reported the same day you worked.

Once DailyPay knows your daily earnings total, they will then in turn put this money into your “Available Balance” the following business day, which is almost like a checking account. You can choose to transfer from your Available Balance whenever you wish– automatically each day, every other day, as needed, etc. (take note, though, that if you initiate a manual transfer after 5:30PM ET it will transfer in two business days).

EDIT: There are now two payment options, AutoNext, which functions like the description above where you get the money deposited into your bank account the following business day, and AutoNow where you get the money deposited into your bank account the SAME DAY it hits your available balance including WEEKENDS AND HOLIDAYS!

Once you’ve set up your transfer, DailyPay will get the total of the earnings you made for that day, subtract out the fee, and send you your hard-earned cash. Transfers up to $150 are $0.99 and transfers over $150 are $1.49. There is now one flat transfer fee of $1.25 for AutoNext transfers regardless of the amount. AutoNow transfers are $2.49. MANUAL next-business day transfers are $1.99, and same-day manual transfers are $2.99. You can always save money by only taking out the money as needed throughout your week and there are no other fees. The money is direct-deposited into either a bank account or prepaid debit card and there are no contracts so you can cancel whenever you wish. Plus, there’s no credit check and it’s FREE to sign up!

If you are among the over 10,000 on-demand drivers currently using their service this could be a good way to get some money early when you have bills to pay or unexpected financial situations occur before payday.

Try it out and get two weeks FREE!

If you are a driver that is interested in trying it out, click on this link here. Because I’m all about saving you money, you can get TWO WEEKS FREE by following my link!

If you are a restaurant owner, there are some services offered to you as well. If you are using GrubHub or Seamless to accept orders at your business, DailyPay offers you the ability to receive the money owed to your restaurant from the food delivery services in advance. When you’ve got a staff to pay and supplies to order this could be super helpful!

It operates similar in structure to what the drivers have- no contract, no credit checks, no early termination fee. The fees are slightly higher at $2.49 for transfers up to $250, $5.99 for transfers at $250-$500, and $9.99 for transfers greater than $500.

For restaurant owners, click on this link to get TWO WEEKS FREE as well!

If you enjoyed this post, make sure to follow this blog for more updates on frugal living, as well as stay updated on YouTube, Facebook, Twitter, and Pinterest. Thanks for reading!

Get 25% off EVERY Online Order from Papa John’s with this Pizza Hack (Courtesy of RetailMeNot)

pl6deq-u

I am happy to report that I tried this code and it WORKED. Take note, though, that it can’t be used with other offers (trust me… I tried) and there are individual locations and franchises that can opt out of the offer- so make sure you enter in your address first and choose the correct store to see if it works at your local Papa John’s.

I’m always a little skeptical of coupon codes I find online. They have usually not worked and provided tremendous disappointment. As they say, “fool me once, shame on you, fool me twice, shame on me!” When they do work, it restores a slight bit of my faith in humankind.

Just enter:

25OFF

Then the discount will be applied at checkout. 1/4 of your pizza is on me tonight, guys. Boom.

Apply for Papa John’s Jobs on SnagAJob now!
Search and apply for hourly jobs on Snagajob

Papa Johns.jpg

(Via RetailMeNot)

Traveling Across the U.S. on a Budget: Tips for the Young and Adventurous

traveling-across-the-us

For my YouTube video on this subject, click here!

You might see traveling as an expensive luxury reserved for those with the pocket change to handle first-class plane rides and five star hotels. The reality is, though, that if  you set your mind to it, you can travel on almost any budget. When you’re young, it’s great to get out and explore new areas that you’ve never been before. Whether you are in college and taking a summer trip with friends, or a single, millennial 20-something like me, traveling can be a highly rewarding experience.

huge-9-48609

Here are my tips for traveling across the continental United States on a budget!

Consider Your Ground Transportation Options

Planes aren’t the only way to get around, it turns out. You can take an Amtrak train, a Greyhound bus, or, in certain areas, a discount double-decker bus line called Megabus. Megabus is a service that is popular in Europe and has now come to the United States. They are known for EXTREME discounts (they claim as little as $1) if you book ahead of time. Most transportation options offer a rate that varies depending on how early you book, but Megabus takes this to the max.

I was able to take a trip with a couple friends from Kansas City, MO to Chicago for about $10 round-trip because we booked several months in advance. While if you book the day of, the price skyrockets to what is often more than $100 one-way, if you plan ahead this could be a good way to save money. Do be forewarned, though- double-decker buses have a tendency to tip over when sliding and there have been a number of highly publicized accidents on Megabus rides. You get what you pay for, so pursue it with a cautiously adventurous spirit.

22megabus-photo2-master768

Whichever option you take -plane, bus, or train, you can always save money by booking as early as possible. Or drive it yourself and make a road trip out of it!

Visit the Megabus website

Visit the Greyhound website

Visit the Amtrak website

Try Different Lodging Facilities Besides Hotels

When most Americans hear the word “hostel,” we probably have images conjured in our minds of the horror movie. Rest assured, though, that true hostels have NOTHING to do with this movie. I have had only amazing experiences in hostels and you could, too! Hostels, like the Megabus, are another European import that is picking up steam in the U.S. With a hostel, you have dormitory style lodging- think summer camp as a kid with a room full of bunk beds.

Hostels differ from hotels in that they function as more of a community space. There are often free events for travelers such as walking tours and community meals. It attracts a young, diverse crowd of travel-enthusiasts from all over the world. It can be really fascinating to meet the different array of people and, because you are sharing a room with others and pulling together resources, the fees for hostels are very affordable (think $30-$70 per night, depending on the city and size of room).

Isaacs-55751.jpg

In addition to hostels, consider Airbnb. This functions as a service where people can rent out their homes or apartments to travelers and is often much cheaper than a hotel. This requires a level of caution, though, so make sure you have received a good word about the host you are staying with. Plus, don’t ever feel afraid to ask family and friends if you can crash on their couches for a few days while you’re traveling- nothing beats FREE lodging.

Visit hostels.com for hostel listings

Visit the website for Hosteling International USA

(side note- Hosteling International offers a yearly membership that gives you discounted lodging and other benefits such as discounted car rentals, even tickets, etc. with any of their partnering hostels worldwide)

Visit the website for Airbnb

Eat In, Rather Than Eating Out for Most Meals

Now of course one of the best things about traveling to a new city is trying the food and I’m not saying you should deprive yourself of this experience. Rather, when it’s time for the “filler” meals, or those where you’re just eating because it’s lunch time and you need to grab some quick food, go back to where you’re staying and eat there.

Try to pack as much non-perishable food to take with you such as granola bars and soups, then when you arrive to the place you’re traveling to go grocery shopping and take the food back to your room with you.

maxresdefault.jpg

Even if the room you are staying in doesn’t have a kitchen, most hostels and hotels have a communal kitchen area SOMEWHERE, so look around or ask the management!

Food can be the one thing that if you really add up can get super out of hand against your budget, especially if you choose to eat out for every meal. Even if you tell yourself that you’ll just get cheap fast food, the prices at restaurants may be higher than you’re used to in the place you’re traveling to, so be wary.

Find Free Things to Do

Sure, there may be different landmarks and tourist traps in your travel destination that likely charge an arm and a leg to get in (not to mention outlandish prices for parking, food, and souvenirs). The real way to truly soak up the culture of a city, though, is to see where the locals are- walk around, window shop, see the different neighborhoods and soak up the ambience. This is totally free (if you resist the urge to buy things, that is!).

2016-01-22-1453422849-2843535-Traveling-thumb (1).jpg

You can also look up free things to do on Google. EVERY city has free things to do somewhere. You may be surprised at the depth of experiences you can have by just doing free activities.

163 Free Things to do in the U.S.

50 Free Things to do in North America

Your Adventure Awaits

Remember, you only live once! Get out and explore while you can and have fun. Don’t think that you have to be held down by a budget. With the proper planning, you can travel on ANY budget without draining your life savings.

If you liked this blog entry, make sure to check out my YouTube channel for more thrifty living tips, plus follow me on Pinterest, Facebook, and Twitter for updates!

travel-across-united-states

Getting Your First Credit Card- What You Need to Know!

Can’t Live With Them, Can’t Live Without Them

comparehero-evil-card2Credit cards are a necessary evil. They can be addictive like drugs but you also need a good credit history (judged by your credit score) in order to get certain jobs, get a lease on a house or apartment, or take out a loan for a car. Every bit of your financial history is recorded, sometimes in seemingly unfair ways, and if you aren’t careful your mistakes can come back to bite you years down the road.

What the Heck is a FICO Score?

Building your credit history is important. Your credit history is monitored by the three major credit bureaus in the United States- Experian, Equifax, and TransUnion and recorded as a credit score (using a model known as the FICO score) on a 300-850 scale. All
three credit bureaus have their own methods of acquiring information, so each of them may have a different score for you. 

The exact methods that are used to grade your credit score can be a little confusing and you might hear conflicting information from different people. The main things to know are that your payment history (i.e. if you paid your minimum balance due on time), the amount of money you owe, and the length of your credit history all affect your credit score. Additionally, if you have a variety of different types of creditce_fico-score-chart on your credit reports this will help your credit score as well as having a small number of credit inquires (these come any time someone does a full credit check on you). 

So if you just have student loan debt and you pay it off on time each month that won’t help you as much as if you had BOTH student loan debt that was paid on time AND a credit card that was paid in full each month (or a car loan, home loan, bank loan, etc.). 

If You Apply and Aren’t Approved

There are three ways to help build your credit history if you can’t get approved for a credit card on your own yet (due to a lack of credit history). 

  1. You can find a co-signer to apply with you, such as a parent or other guardian.
  2. You can get a secured credit card, where you put down money against your balance that you essentially loan yourself over time (once you close the account you get this money back).
  3. You parents or guardians can add you as an Authorized Buyer on their account. This will allow you to charge but does not give you administrative privileges and may influence you credit history.

Sometimes retail credit cards will have a lower bar to jump over in order to get approved, but be careful- these often have MUCH higher interest rates! 

The Best, Most Responsible Way to Use Your Credit Card (BE CAREFUL)

Once you have a credit card in your name, it is best to try and build your credit history in responsible ways. The primary factor in your payment history isn’t the AMOUNT of money you pay, but the length of time that your card is in good standing. If you don’t have any balance, this neither positively nor negatively affects your score (and most banks will close it automatically due to inactivity after 1-2 years).

creditcards

Thus, the best thing to do is find ONE thing that you definitely need such as gas, groceries, your phone bill, or any other recurring charge you have each month. Charge it to your credit card, and then when you get the bill pay it IMMEDIATELY. If you do this each month you can slowly build a good credit history by using it for expenses you would have had anyway- with or without the credit card.

Make sure to resist temptation. Use it only for necessary expenses or emergencies. Don’t use it to go out to bars, buy video games or clothes. When you want to indulge, use REAL money but stick to a budget!

Each of the major credit bureaus lets you get a copy of your credit report for free once each year as a result of the FACT Act at annualcreditreport.com

Good luck kids, and may the odds be ever in your favor.

If you liked this blog post, make sure to check out my YouTube channel for more frugal living tips as well as follow me onTwitter and Pinterest

cc