Author: Jess Fickett ("Piggy")

How to Build Good Credit Without Going Into Debt

How to Build Good Credit Without Going Into Debt

Jess Fickett ("Piggy") 4 Comments

Adult human beings need credit—good credit—to do lots of important adult things such as renting apartments and buying cars. We’ve been over this! But conventional wisdom says that the best way—nay, the only way—to build good credit is by accumulating debt.

That assumption about building credit through getting in debt feels backwards to me. For after all, the entire purpose of a credit score is to show that you’re worthy of loans. So you have to owe money so that you can then… owe money? And having debt, whether it be in the form of a balance on a credit card or just Ye Olde Student Loane, can lead you down a fucking terrifying cycle of overspending and interest that can eventually damage your credit, rather than helping it.

So let’s toss out the conventional wisdom. There’s got to be a better way! And there is. For it’s entirely possible to steadily build good credit without going into a day of debt.

Read More

The Expensive Difference Between Recreation and Recovery

Jess Fickett ("Piggy") 20 Comments

Bitchlings, I am exhausted. Yet I’m also kind of… bored? Or not bored, but lacking in enrichment. The zoo enclosure that is my life is simultaneously stressful and dull in a way that I had trouble putting into words until recently.

As alert readers know, I recently read Barbara Sloan‘s excellent book Tipped: The Life Changing Guide to Financial Freedom for Waitresses, Bartenders, Strippers, and All Other Service Industry Professionals. Check out our interview with the author right here!

Reading Tipped gave me an epiphany: my exhaustion, my boredom, and my money stress are all symptomatic of a larger problem. When I’m not working, I’m spending too much time and money recovering from that work and not enough time and money simply in recreation. From Barbara’s book:

“Winding down after a shift, because of the shift, is a work expense.”

Barbara Sloan, Tipped
Poor Tiana does nothing BUT recover from work on her few hours off.

In other words, spending time recovering from your work is a cost of that work. Spending money recovering from your work is a cost of that work. And that’s a problem.

Read More

A (Somewhat) Comprehensive List of Fun Job Perks that Won’t Pay Your Rent

Jess Fickett ("Piggy") 10 Comments

If you’ve ever applied to a job, you’ve seen it: the list of ~*fun job perks*~ at the end of a job description, meant to entice would-be employees with grand promises of free coffee in the break room and foosball tables! Who wouldn’t want a discounted monthly membership to the fancy yoga studio, or massage chairs in the lobby, or an automatic vacation day on your birthday???

ME, that’s who. I righteously spit in the face of your fun job perks! And you should too! Because no matter how much you might appreciate a monthly pizza day in the office… it’s not going to pay your rent.

I am here today to call out fun job perks for what they are: infuriatingly meaningless bribes meant to distract us from a lack of humane compensation. And I brought backup.

We asked our readers for a list of the kind of fun job perks employers offer in an attempt to attract potential employees. The kind that seem great on the surface, but are almost always offered instead of rather than in addition to higher compensation or better quality insurance. And as always, when we sent up the Bitch Signal, the citizens of Bitch Nation delivered.

When we turn on the Bitch Signal, the bitchlings come running.
Read More

How to Instantly Increase Your Credit Score… for FREE

Jess Fickett ("Piggy") 18 Comments

While we were in the mystical city of Cincinnati recently, we did a live Drunk AMA on YouTube! It was great. We slow-flossed to a church hymn and dispelled the rumor that Ducky is, in fact, a vampire.

One of the questions we received was about Experian Boost. It’s just one of many services that offer to raise your credit score… for a fee. Even in our chaotic drunken state, we were lucid enough to unequivocally recommend that most of you shouldn’t bother with these paid services. There’s an easier, faster, and free way to raise your credit score!

Since not everyone wants to suffer through a 97-minute YouTube video of our collective vocal fry, I am now here to share the wisdom of how to instantly raise your credit score for free. Cast aside those paid services that promise you a better credit score! This is all you need to know.

Read More

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

Jess Fickett ("Piggy") 12 Comments

You check the mailbox. In between the ubiquitous Bed, Bath & Beyond coupon, snail mail from your Aunt Clarita, and a bill you’d rather ignore, you see it: you’ve been pre-approved for a brand new credit card!

Holy shitballs, what luck! Of all the random folks with mailing addresses, you have been deemed special enough to receive a credit card pre-approval offer! Bring out your finest meats and cheeses, for surely this means you are that most superior of beings: a person worthy of credit! Dance about the maypole and imbibe your most decadent libations!

You should call your bestie, your family, your therapist! Things are looking up now that a credit card company has bestowed upon you a pre-approval offer. Cancel your evening plans, for you need to respond to this with… an application? For… a credit card? For which you’re already… “approved”???

Something’s off. If you receive a credit card pre-approval offer in the mail, shouldn’t that mean you don’t need to apply for it? Especially since you didn’t even ask them to consider pre-approving you.

Today we’re going to teach you what those credit card pre-approval offers are really all about. And we’ll show you exactly what to do with them. It’s easy, it’s fast, and anyone can do it! Read on to learn The Deep Magicke.

Read More

Season 4, Episode 12: “I’m Considering Moving Across the Country With My Partner. How Hard Is It To Start Over?”

Jess Fickett ("Piggy") Leave a comment

IT’S THE BITCHES GET RICHES PODCAST SEASON FINALE!

That’s right, Bitch Nation. Our twelve-episode season has come to an end and we’re so grateful you’ve stuck with us for it all. And if you haven’t, then you’re dead to us. We value loyalty very highly. Don’t tell us you’re getting your dick jokes about money somewhere else.

This is the episode in which we become the dating advice column we’ve always wanted to be. Enough with this pErSoNaL fInAnCe nonsense! Bring on the marital strife and daytime talk show material! We have strong opinions and we are RIGHT!

Our discussion this week is packed with harrowing financial and relationship decisions. How do you know when you’re ready to move in with a significant other? And what if that means moving 900 miles to a whole different community? How do you start from scratch in a brand new place, with no one but your romantic partner for company?

Read More

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly

Jess Fickett ("Piggy") 1 Comment

Federal student loan forgiveness has been through a lot recently. She’s not looking pretty. She needs a massage. Her T-zone is breaking out. Which means this article does not reflect the current state of loan forgiveness. We’re leaving it up because we think it contains useful context. But if you want our most current news on student loan forgiveness, you can find it here.

Remember back in August of 2022 when we were all stoked to hear about the Biden Administration’s plan to forgive federal student loan debt? Yeah. Things have changed.

I’m here to update you on the status of federal student loan forgiveness. Shit’s complicated though, so if you didn’t read our FAQ about the program when it was first announced, you might want to get that background before reading any more. Go ahead, we’ll wait.

Now that you have the background, I’ll give you the latest on where federal student loan debt forgiveness stands, along with some guidance on what student loan borrowers can do from here. Spoiler alert: there’s Bitch-on-Bitch drama at the end.

Read More

Season 4, Episode 9: “I’m on the Wrong Career Path. How Do I Convince a New Industry To Take a Chance on Me?”

Jess Fickett ("Piggy") 4 Comments

Hello and welcome to another edition of Using Only Gifs, Let’s Get a Song Stuck In Your Head!

Just kidding. It’s actually an episode of the Bitches Get Riches podcast! But while brainstorming titles for this episode, I got ABBA stuck in my head. And misery loves company, soooo…

Bitchlings, we love talking about career transitions. It’s always so magical and rewarding when it happens! My own career transition was an agonizing decision and process that actually resulted in one of the most rewarding jobs I’ve ever had. So we’re thrilled to impart some of that wisdom to our question asker this week.

Is that wisdom to in fact sing ABBA at new employers until they take a chance on you? BITCH, IT MIGHT BE. Watch the episode to find out.

Read More