Bitches Get Riches

Finance. Feminism. No fucks given. Kitty and Piggy, head bitches in charge. campsite.bio/bgr

[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.

Join our Patreon.

[thepeacefulgarden]

[bitchesgetriches]

Bitches Get Riches Merchandise is HERE AT LAST! • Bitches Get Riches

We want to quit our jobs and do this full-time. That sentence may have been easy to read, but you have no idea how hard it was to write! I m

We have shirts! We have mugs! We have bags! We are bags!

Check it out:

THE BITCHES GET RICHES OFFICIAL MERCH SHOP

And yes, everything is just in time for the holidays. Which holidays? Pssh, Candlenights, obviously! The only winter holiday with rules people actually want to follow—c’mon, be cool and niiice.

So please check it out. If you were thinking of buying some clever graphic tee for your best girl (a relationship designation from the Beach Boy era I would like to bring back immediately), maybe buy one from us! It will help us figure out if we can swing the whole full-time bossypants thing.

[theonion]

Serena Williams Returns To Tennis

Serena Williams announced she will play doubles at the prestigious HSBC Championships as a wildcard, marking the 44-year-old superstar’s return to professional tennis after a four-year hiatus away from the sport. What do you think?

[bitchesgetriches]

Everything You Need To Know About Buying Stuff

Considering a big purchase? Competitive bargain hunter? Just trying to save money? Here's everything you need to know about buying stuff.

MASTERPOST: Everything You Need To Know About Buying Stuff for Cheap

How to pay for stuff

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Businesses Will Happily Give You HUGE Discounts if You Ask This Magic Question 

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?”

How to pay less for stuff

Why Name Brand Products Are Beneath You: The Honor and Glory of Buying Generic

How To Save Money With Affordable Car Repairs 

How to Save Money on Your Beloved Pets 

How to Get DIRT CHEAP Pet Medication, Without a Prescription

The Pink Tax, or: How I Learned To Love Smelling Like Bearglove

Blood Money: Menstrual Products for Surviving Your Period While Poor

Understand the Hidden Costs of Travel and Avoid Them Like the Plague 

7 Totally Reasonable Ways To Save Money on Cheap Entertainment 

How to buy stuff ethically

Ethical Consumption: How to Pollute the Planet and Exploit Labor Slightly Less 

Ask the Bitches: “How Do I Consume Ethically AND Frugally Under the Trump Tariffs?”

21 Ideas for Sustainable Swaps That Aren’t Shitty, Expensive, Greenwashed Garbage

Fast Fashion: Why It’s Fucking up the World and How To Avoid It 

You Are Above Bottled Water, You Elegant Land Mermaid 

Kara Perez’s Debut Book “Green Money”: How To Use Your Money To Save the Planet

Wallet Activism: Using Your Money for Good with Author Tanja Hester 

How Can I Justify This Deeply Unethical Purchase? 

How to buy stuff secondhand

Almost Everything Can Be Purchased Secondhand 

Our 5 Best Secrets for Secondhand Shopping Like a Frugal Warrior 

The Library Is a Magical Place and You Should Fucking Go There 

Your Library Lets You Stream Audiobooks and eBooks FOR FREEEEEEE! 

How to buy big ticket items

Bullshit Reasons Not to Buy a House: Refuted 

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?” 

How to Pay Hospital Bills When You’re Flat Broke 

Our (Ridiculously Simple) Method for Choosing the Right Healthcare Plan For You 

Buying a Car with the Bitches, Part 1: How to Choose Your Car 

Buying a Car with the Bitches, Part 2: How to Pay for Your Car

The Only Advice You’ll Ever Need for a Cheap-Ass Wedding 

You Deserve Cheap, Fake Jewelry… Just Like Coco Chanel 

How To Pay for College Without Selling Your Soul to the Devil 

Splurging on Kids: When It Works, and When It Doesn’t 

How to buy gifts

The Anti-Consumerist Gift Guide: I Have No Gift to Bring, Pa Rum Pa Pum Pum 

How Can I Tame My Family’s Crazy Gift-giving Expectations? 

In Defense of Shameless Regifting 

Traditional Wedding Gifts Can Burn in Hell Where They Belong

Other People’s Weddings Don’t Have to Make You Broke

How to buy food

To Hell and Back for Cheap Groceries: The Epic Investigation (and Shocking Results) of My Grocery Store Price Comparison Quest 

How to Shop for Groceries like a Boss 

Cosmic Truths of Cheap Grocery Shopping: 12 Universal Rules to Save Money on Food, No Matter What You Buy or Where You Shop

The Ultimate Showdown: Cheese Crackers, Ranked 

If You Can’t Afford to Tip 20%, You Can’t Afford To Dine Out 

We Ranked Chocolate Sandwich Cookies by Taste and Price So You Don’t Have To 

Confessions of a Thanksgiving Lunatic: Why I Spend $500 Hosting Every Year 

How to avoid buying stuff

How to Avoid Lifestyle Inflation … and When to Embrace It

The Magically Frugal Power of Patience  

Don’t Spend Money on Shit You Don’t Like, Fool 

Status Symbols Are Pointless and Dumb 

Here’s What to Do With Those Credit Card Pre-approval Offers You Get in the Mail

Your Yearly Free Medical Care Checklist

How to COMPLETELY Insulate Yourself From Advertisements 

6 Proven Tactics for Avoiding Emotional Impulse Spending 

The Subscription Box Craze and the Mindlessness of Wasteful Spending

Everything I Know About Minimalism I Learned from the Zombie Apocalypse 

That’s all for now, bitchlings! We’ll periodically update this list as we post new content. In the meantime, if you’d like to support our mission of [checks notes] scathing reportage and dank memes, donate to Bitches Get Riches on Patreon or PayPal with the buttons below!

Join the Bitches on Patreon

Toss a coin to your Bitches on PayPal

[fandomsandfeminism]

This Pride, may you always remember to-

Be who you are

Love who you love

Be weird without fear

Be a freak without danger

Find community without division

Seek the truth with eyes unclouded

[bitchesgetriches]

Hi. Very good blog and website. I've lived alone for a while and now I plan on doing it again before the end of the year. Your tips helped me before and I'm sure it will help again, even when I'm not from the US. Now I have money so I'll make sure to tip you somewhere as a thanks.

Thought you would like to know I only interacted with text before so I was really surprised to see Bitches Get Riches is not run by drag queens (lol) completely different image in my head

I wake up surprised every day too!

(Genuinely, this made us laugh and also was very flattering. Thank you.)

[bitchesgetriches]

Clementine: A Heartwarming Case Study in Risk Taking • Bitches Get Riches

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.

Did we just help you out? Say thanks on Patreon!

[modern-politics111]

[disregardandfelicity]

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

Prologue - This American Life

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

[evolutionsbedingt]

https://twitter.com/BrianManookian/status/1674963884703088642

Link to the twitter thread for accessibility!

[bitchesgetriches]

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 

[kiris-poprock]

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

[bitchesgetriches]

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again? • Bitches Get Riches

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?

Did we just help you out? Say thanks on Patreon!

[bitchesgetriches]

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:

[butchflirt]

“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)

[bitchesgetriches]

Everything You Need to Know about Credit and Credit Cards

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

[thepeacefulgarden]

[bitchesgetriches]

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 

[bitchesgetriches]

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!

[luxflora]

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).

[bitchesgetriches]

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!

[luxflora]

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).

[stylishanachronism]

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.

[bitchesgetriches]

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

Did we just help you out? Say thanks on Patreon!