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he wasn't even looking at me and he found me
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Monterey Bay Aquarium
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Love Begins
oozey mess
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tumblr dot com
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2025 on Tumblr: Trends That Defined the Year
we're not kids anymore.
if i look back, i am lost
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@bitchesgetriches
Nothing makes us happier than hearing that our work helped one of our beloved bitchlings with their finances. Now, we humbly ask you to kick a TINY portion of that savings back to us by joining our Patreon. It keeps us going so we can help the next you.
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This post originally appeared on our Tumblr, where we frequently answer reader questions and sometimes post random unrelated things. This is
Clementine: A Heartwarming Case Study in Risk Taking
THIS ONE IS ABOUT A REALLY CUTE CAT AND YOU SHOULD READ IT.
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sounds very similar to a radio story i heard in 2014 ago about credit card debt. the debt got sold to a collection company and a couple received a court summons. they knew they had taken on debt, but they were confused about who this new company was and where specifically the number they were supposed to owe came from.
they show up in court and just ask the lawyer for the collection company: can you prove where this number comes from? Do you have a contract showing that you purchased our debt? probably luckily for them, a reporter researching a book on the topic showed up and asked the same questions.
10 minutes later they get in front of the judge and the collection company drops the whole case and theyre free to go. story is below, it has a transcript in the link too
Ira talks to reporter Jake Halpern about a scene he saw take place in a Georgia courtroom where a couple uttered some magic words that seeme
https://twitter.com/BrianManookian/status/1674963884703088642
Link to the twitter thread for accessibility!
Alert citizen of Bitch Nation @sobekcrocodile brought this to our attention and we're sharing, but with a caveat:
WE HAVE NOT YET LOOKED INTO THIS.
... but holy shit it's worth pursuing if you're drowning in debt and these are your circumstances. I'll definitely be adding this to the Big List of Future BGR Topics. Here's more of our advice on debt:
MASTERPOST: Everything You Need to Know about How to Pay off Debt
Our Final Word on Student Loan Forgiveness
This only works with private student loans NOT FEDERAL!!!! The government has the right to transfer your student loans between contracted servicer's per your MPN
We got a question recently that I just had to share with the whole class. It evokes one of the purest reminders that personal finance is ind
Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again?
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Subscribe to our YouTube channel. It's free and it helps!
We love our followers more than we love reasonably priced cheese crackers. And just based on the messages we receive from y'all, we know that love is reciprocal. We feel that love especially when our baby bitchlings support our Patreon or buy our merch.
But not everyone can afford to financially support creators right now.
So here's a totally free way to support your humble Bitches: watch and subscribe to our YouTube channel.
When you watch and subscribe, it gets us closer to being able to fully monetize our YouTube channel. And that makes it a whole lot easier for us to keep doing what we're doing.
Seriously, even if you set the playback speed at 2x and play us in the background while you're doing something else... it really, really helps. So if we've ever helped you out, or even if you just think we're HI-larious, please head over to YouTube and SmAsH tHaT sUbScRiBe BuTtOn!
Now here's our most watched video essay, just to give you a taste for what we've got going on over there:
“We will not blame him for the crimes of his ancestors if he relents the royal rights of his ancestors; but as long as he claims their rights, by virtue of descent, then, by virtue of descent, he must shoulder the responsibility for their crimes.”
— Séamas Ó Conghaile, an Edinburgh-born Irish Republican and socialist, on King George V; a sentiment that transcends time. (via tal-eire)
From reports to scores to credit cards, here's everything you need to know about understanding and using credit.
{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards
Understanding credit
Dafuq Is Credit and How Do You Bend It to Your Will?
Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?
Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash?
Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”
Ask the Bitches: What’s the Difference Between Credit Checks and Credit Monitoring?
When (And How) To Try Refinancing or Consolidating Student Loans
Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”
Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name
Using credit
How to Instantly Increase Your Credit Score…For Free
How to Build Good Credit Without Going Into Debt
Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt
Season 1, Episode 3: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?”
Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?”
Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”
Credit cards
A Hand-holding Guide To Getting Your First Credit Card
63% of Millennials Are Making a Big Mistake With Credit Cards
Let’s End This Damaging Misconception About Credit Cards
The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche
Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick
Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?”
Here’s What to Do With Those Credit Card Pre-approval Offers You Get in the Mail
We’ll periodically update this masterpost as we continue to write tutorials and answer questions on credit. So if there’s anything you’re confused about, keep the questions coming!
And if we’ve helped you increase your credit score or pay off your credit card debt, consider tossing a coin to your Bitches through our PayPal. It ensures we can pay our lovely assistant and keep bringing you free articles and episodes like those above.
Toss a coin to your Bitches on PayPal
I know it's just a simple meme, but it's something I've really struggled with. I had to learn to be kind to myself the hard way:
Learning To Reverse the Golden Rule
Hi bitches,
I recently applied for my first credit card, but got a rejection back. The reason they listed was that I hadn't had a credit card before though, so I'm not sure how I'm supposed to get my first one?
Hello my dear. Credit is complex (and classist) so I'm linking you to our big explainer below. You got rejected, but you've misunderstood the reason.
It's not that you haven't had a credit card before, it's that you have no CREDIT. Using a credit card is one way to build credit, but it's not the only way. You'll need to build up a credit score first before applying for a credit card.
One way to do this if you're a minor is to get a supervisory credit card with a parent as a cosigner. That way you're piggybacking off their credit score to start building your own. After a while, you can get a new card on your own, or kick your parent off the original card.
Again, it's all very complicated and annoying, so here's your homework:
MASTERPOST: Everything You Need to Know about Credit and Credit Cards
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A coworker and I both got our first credit cards a couple years ago in our mid-20s with no credit score! I'm pretty sure we both just searched online for beginner credit cards or credit building cards. The BGR article may have more info about this, I think I read it before I applied for my card.
Mine had no rewards at the time, but also no deposit or annual fees, and after about 6 months they offered to bump me up to their rewards card.
My coworker got a secured card, which means you have to feed some kind of money into it before you can use it (since mine wasn't secured, I don't entirely know what that looks like).
Hi bitches,
I recently applied for my first credit card, but got a rejection back. The reason they listed was that I hadn't had a credit card before though, so I'm not sure how I'm supposed to get my first one?
Hello my dear. Credit is complex (and classist) so I'm linking you to our big explainer below. You got rejected, but you've misunderstood the reason.
It's not that you haven't had a credit card before, it's that you have no CREDIT. Using a credit card is one way to build credit, but it's not the only way. You'll need to build up a credit score first before applying for a credit card.
One way to do this if you're a minor is to get a supervisory credit card with a parent as a cosigner. That way you're piggybacking off their credit score to start building your own. After a while, you can get a new card on your own, or kick your parent off the original card.
Again, it's all very complicated and annoying, so here's your homework:
MASTERPOST: Everything You Need to Know about Credit and Credit Cards
Did we just help you out? Say thanks on Patreon!
A coworker and I both got our first credit cards a couple years ago in our mid-20s with no credit score! I'm pretty sure we both just searched online for beginner credit cards or credit building cards. The BGR article may have more info about this, I think I read it before I applied for my card.
Mine had no rewards at the time, but also no deposit or annual fees, and after about 6 months they offered to bump me up to their rewards card.
My coworker got a secured card, which means you have to feed some kind of money into it before you can use it (since mine wasn't secured, I don't entirely know what that looks like).
Consider trying your local credit union! Especially if you’ve been a member for a minute, they tend to be more flexible about ‘rewards card’ and ‘no credit history’.
You can also go for a secured card, which is a card where, generally, you pick an acceptable-to-the-institution amount of cash (my current workplacd runs secured cards between $250-$3000, previous workplaces have done $500-$5000 and $1000-$2000), it gets locked up in your account, and that sets your credit limit.
This is not a prepaid card; you do have to pay it off each month, and you should pay it in full so you don’t get charged interest. The security deposit protects the institution from loss should you run away to Aruba and never pay what you owe.
Talk to your banker about the specifics of next steps from there, but generally once you’ve had it (and used it responsibly!!!!) for six months to a year, you can reapply for an unsecured card and get your cash back.
Couple of notes: secured cards are much easier to get, but they don’t usually offer rewards, and you have to have the cash on hand to open it.
Most institutions will require a hard credit pull for this, and that’s kept on file for 30 days, so anything else you do with that specific institution won’t count as another hit on your credit, so it’s worth talking to a banker about whether running an app for a rewards card first is a good idea, since there’s no consequences to turning around and asking for a secured card if you’re then denied.
Read the find print! What fees are associated with the card, can they be waived, how does the rewards program work, are there any extra benefits (like the visa signature program), there’s a ton of important stuff in there.
Can you get burnt out from having disabilities and dealing with them feeling like it's taking over your life?
Sweet pea, you can get burnt out from just about anything hard you do for prolonged periods of time. But having a disability that affects every aspect of your life sounds particularly burnout worthy.
Forgive yourself. This isn't your fault.
And just in case, here's some info on our Burnout Workshop:
How to Manage Your Burnout When the World Is on Fire (Bonus Episode)
Why There’s So Little (Good) Personal Finance for Disabled People
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what can you do if you get fired for attendance? how can you get a job after that?
👻 -for finding later
Fired for attendance is way better than being fired for embezzlement. So look on the bright side!
The first thing you need to do is recognize WHY your attendance was lacking. Were you sick, mentally or physically? Did you not have reliable transportation to work? Understand what went wrong so you know what to tell a future employer in a job interview.
And once you know the problem and how to talk about it to a potential employer... also be prepared to tell them how this time will be different.
How To Get Ready For a Job Interview: Prep Yourself Before You Wreck Yourself
Ask the Bitches: How Do I Prepare for a Job Interview on Zoom?
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In this day and age? A. Either don't say anything, or B. Tell em you had an emergency, you called in just before your shift, and they fired you anyway.
People get fired for exactly that all the time. And you don't owe your next employer anything, let alone the truth.
If it was legitimate that you weren't showing up, you can work on fixing that, but there is no reason to tell a potential employer all that.
VISIT THE BITCHES GET RICHES MERCH STORE RIGHT HERE, BITCHLINGS!
All proceeds go to support our mission of spreading finely crafted financial, career, and economic edutainment. This means paying our staff a fair wage, covering hosting fees and other tech nonsense, as well as donating* to The Satanic Temple every time some RUBE tells us we swear too much!
*This was a joke, but now that I wrote it out I'm seriously considering it...
Tried to reblog this post:
but Tumblr refused to let me for some reason.
Anyway, I’ll just show you what I tried to write here:
Also, this is not a hypothetical.
This is a real scenario that is happening now
Which is why people whose brains literally cannot let them lie need a way to hack the meat computer to keep people alive
Hi bitches, a few years ago I dug myself into a large credit card debt hole, and over the last two years I dug myself back out and paid it all off. This means I have a) zero debt. I am 100% debt free, b) a mid credit score, and c) zero trust in myself to not make the same mistake again. I’m brainstorming other ways to raise my credit score, including taking out a small personal loan that I know I can pay off from my local credit union. What other things could I do to improve my credit score without playing by the rules credit card companies want me to?
If you still have the credit card open, use it to buy groceries. Every time you get ready to leave for the grocery store, open the credit card app and pay off last week's grocery bill on the card. Don't use the card for anything else and never, ever forget to pay off last week's groceries before buying more.
Got recurring bills like internet, water, or electricity? Those count towards your credit score too. If possible, set them up to auto-pay on time and in full.
Also, see if the credit card company will raise your credit limit. We explain why in the link below.
We've written a lot more about credit scores, so here's your homework:
How to Instantly Increase Your Credit Score... for FREE
Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick
MASTERPOST: Everything You Need to Know about Credit and Credit Cards
Did we just help you out? Say thanks on Patreon!
How much does termination affect job prospects if they were reasonable. Like for people who were fired for harassment and stealing. I admit to have acted pretty rude towards staff at my last job which got me fired. Like yes it’s my fault but I worry that this can make me unhireable in the near future.
Well, it kinda depends. You can never, EVER list that workplace as a reference now, because at best they will simply confirm your dates of employment and at worst they'll tell potential employers "Oh yeah, they were awful to work with."
But if a potential employer doesn't reach out to them, you can control the narrative yourself by a) not bringing it up, b) reframing the circumstances of your hiring, or c) finding a friend from that old job who will serve as a reference by saying that it wasn't your fault you got fired.
Anyway, I recommend the time-honored tradition of reframing: explaining the situation in a way that makes you sound rational, responsible, and blameless. But it takes practice to do it right, and you are definitely at increased risk of this negatively impacting your job search.
MASTERPOST: Everything You Need to Know about Getting a Job, Raise, or Promotion
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Not too long ago, I found myself in a room full of Olde Millennials. And I casually made a deep-cut joke that was only understandable to tho
Why Animorphs is Frighteningly Relevant in Contemporary Trumpian America
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