Bitchtastic Book Review: The Financial Diet by Chelsea Fagan

Bitchtastic Book Review: The Financial Diet by Chelsea Fagan

Listen, it’s no secret we’re hardcore BFFs with The Financial Diet. They epitomize all that is good and just about financial blogging for millennial women, and they were one of our early influences in creating BGR. Plus, we have a monthly syndication deal.

What I’m saying is, if you’re looking for an unbiased review of Chelsea Fagan and Lauren Ver Hage’s new book, The Financial Diet: A Total Beginner’s Guide to Getting Good with Money, based on their amazing website… you can fuck right off because this is not that review.

The Financial Diet The Book is a gorgeously designed, delightfully written boost of financial inspiration and motivation. Each chapter is a mix of personal narrative by Chelsea, interviews with experts, and super useful resources like checklists, recipes, and how-to guides.

While the website serves as an exhaustive resource for all financial topics under the sun, the book functions as a primer. It’s a shiny golden key to a mysterious door in the garden wall of all things #adulting and #girlboss.

Here’s what I learned.

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How the Hell Does One Wash Dishes? Asking for a Friend.

How the Hell Does One Wash Dishes? Asking for a Friend.

Seat yourselves around the campfire, children, and I’ll tell you a tale of some grade-A dumbass sitcom shit I did when I was your age.

I spent the summer between my freshman and sophomore year of college in the same town where my father lived. He had just moved in with my soon-to-be stepmother, leaving his bachelor pad vacant. He agreed to let me live there rent-free while the place was on the market, but part of our agreement was that I had to keep the place spotlessly clean and ready to be shown at a moment’s notice. It was a sweet deal and I took it.

One day my father alerted me that a couple would be stopping by to see it that very afternoon. No problemo! I decided the first thing I needed to do was wash the dishes.

In the past, I’d always washed dishes by hand, because I only used a plate or two at a time. But I had a bunch of drinking glasses accumulated, and I wanted to go vacuum and do other things, so I decided to use the dishwasher. I loaded it up the same way I had seen my parents do it. Then I looked around for a place to put the soap, and saw a little pop-open divot labeled “soap.” Feeling self-reliant, I squirted about half of a cup of dish soap into the machine, turned the dial to “normal wash,” and pressed the start button.

… Did you catch that?

Yep, I just told you that I squirted dish soap into the dishwasher. Yeah, like Dawn or some shit. Some of you already know what this punch line is going to be!

MAH LIFE WIF DA BUBBLES

I went upstairs to make my bed and stash my small suitcase of belongings out of sight. When I came back downstairs ten minutes later, the entire first floor of the condominium had vanished. In its place was a sea of tiny, pearlescent soap bubbles. When I stepped into it, I disappeared up to my ankles. And god, the smell… the lemony fresh scent was like a brick wall where the bricks were also made of lemons.

Honestly, can you blame me? Doesn’t it make sense to put dish soap in the dish washer? I was nineteen years old and had never run a dishwasher in my life, which makes me sound awfully royal. To be fair to me, many adult responsibilities were foisted on me at a young age. But for whatever reason, this was one task my parents had always done for me. I’d loaded it, I’d unloaded it. But I’d never actually added the dishwasher liquid and run it.

Adults must use a vast set of skills to navigate their lives. Everybody has gaps in their learning. I don’t know a single adult who isn’t embarrassed over their inability to perform some “normal” menial task like driving, cooking, doing laundry, or filing taxes.

So today we’re kicking off a basic life skills category. If you missed this information at some point in your life, we’ll teach you how to do it with no shade and no shame. And if you already know all this stuff, who knows, your ass still might learn something! At the very least, you’ll be entertained by our adolescent failures.

On an unrelated note, I’ll also tell you how to get rid of five hundred square feet of bubbles in twenty minutes!

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Workplace Benefits and Other Cool Side Effects of Employment

Workplace Benefits and Other Cool Side Effects of Employment

You just got a job offer! Condragulations! Now it’s time to negotiate… for your life.

But before you start throwing numbers around, there’s something you should understand. Salary—the thing most think of when they are considering the terms of a new job—is but one item on a long list of negotiable items. And while it’s wicked important, your potential employer might not have as much room to adjust there as they do in other areas.

So aside from salary, you need to think about what you need to be happy and comfortable in a new job.

What is going to improve both your financial situation and your overall life? Because if an employer can’t budge on the salary, that doesn’t mean they don’t have something more to offer you in other areas.

So let’s talk benefits, shall we?

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Taxes: Your Annual Fee for Membership in Civilization

Taxes: Your Annual Fee for Membership in Civilization

While I would never presume to contradict the inimitable Ron Swanson, he left out half the lesson. Sure, the guv’mint takes a percentage of your money in taxes. But it’s not all doom and gloom and stolen lunches! For as they say, “There ain’t no such thing as a free lunch,” and those dastardly G-men actually give us a useful thing or two in exchange for our taxes.

So listen up, kids! Your days of hating taxes are about to come to… a middle!

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The Ultimate Showdown: Cheese Crackers, Ranked

The Ultimate Showdown: Cheese Crackers, Ranked

There is an ancient and terrible blood feud between the Bitches.

It is a grudge as old as Jörmungandr. And like the World Serpent, it bides its time in wrathful slumber, awaiting the three cock crows that announce the great battle to end the world.

The first, the crimson rooster Fjalar crowed on January 22 of 2018 when Piggy wrote this:

Hit your local grocery store the day before a flight and stock up on cheap, filling snacks to take with you: granola bars, almonds, dried fruit, white cheddar Cheez-Its with the extra cheese dust. (BGR’s dark secret is that Kitty and I have an ongoing feud concerning the best cheese-based cracker snack: Cheez-Its or Cheese Nips. If you prefer somewhat less delicious cheese crackers, I guess you can substitute Cheese Nips here. But we all know I’m right.)

The second, the golden rooster Gullinkambi, crowed on March 19 of 2018 when Piggy wrote this:

Shopping with the smaller cart prevents me from filling it with impulse buys. If I feel tempted to buy a box of Cheez-Its (The Superior Cheese Cracker™), but my mini cart is getting full… it goes back on the shelf.

And today, the nameless black cock of Hel calls the dishonorable dead to rise, rise, RISE, and take arms. The Twilight of the Gods is here. Ho thunder, ho lightning! Ragnarok is come!

With spears and magic helmets provided by our extremely awesome Patreon donors, it is time to shake the foundations of the earth with the mighty clash and clatter of our fate-ordained mutual destruction.

WHICH

IS

THE

BEST

CHEESE

CRACKERRRRR?

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Let's End This Damaging Misconception About Credit Cards

Let’s End This Damaging Misconception About Credit Cards

I don’t know who started the rumor that carrying a balance on credit cards is good for your credit score, but I hope they step on a lego in bare feet every day for the rest of their lives.

You shut your pie hole, Poppins. This is serious.

Of all the damaging misconceptions about personal finance we’ve had to correct over the course of running Bitches Get Riches, this is by far my least favorite. And it keeps popping up again and again in questions from our followers! Why? How? Who is teaching all of our darling kangaroo babies such a terrible way of handling their credit cards?

Until I can find the culprit and give them their just desserts (hot oil? The rack?), I have made it my mission to set the record straight.

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Financial Lessons Learned from a Night in the ER

Financial Lessons Learned from a Night in the ER

I have always been accident prone. Like a real-life heroine in a YA novel featuring vampires and forbidden romance, my most benign character flaw is that I’m clumsy as fuck.

I guess I just never grew out of that stage of puberty where you walk smack into walls that have been there for your whole life and end up with bruises of mysterious origin all over your legs. I just don’t know where my ends are! I’m missing whatever survival instinct informs the human body not to grievously injure itself on a regular basis.

So I guess it was just a matter of time before I ended up in the emergency room, writhing and blinded by the worst pain I have ever experienced in my life.

You guys. I hurt myself really, really badly. And I’m going to be paying for it for a long time.

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Woke at Work: How to Inject Your Values into Your Boring, Lame-Ass Job

Woke at Work: How to Inject Your Values into Your Boring, Lame-Ass Job

I generally don’t find it hard to live my values in my personal life. I vote. I’m conscious of where I spend my money, which is another kind of voting. My primary hobbies are fostering rescue dogs and writing this blog. I do these things because I am a bitter old crone who thinks that most people are trash, yet hasn’t fully abdicated her responsibilities as a member of the human race. Go figure.

Where I struggle is in my working life. Like lots of folks, I work in a white collar job that doesn’t have anything to do with any kind of social issues. My background is graphic design, and my past clients have mostly been super lame and boring. Think commercial real estate databases, catering associations, paper shredding companies.

Nevertheless, over the years, I have managed to find unexpected opportunities to live my values at work. I started out as an SJW ninja, finding sneaky ways to slip in and shift the culture. Since then, I’ve graduated to bigger and bolder actions that are getting me a lot more traction.

If you want to be a good ally in the workplace, I believe that the first and most powerful thing you can do is to be solid and cool to your fellow workers. Be kind and respectful. Don’t be a shitty, judgmental, gossipy, mean coworker. Don’t work unpaid overtime. Take your vacations. Share salary information. Support unions. Expose harassment. Use your privilege for good.

But today we’re going to focus more on what you can do in your job roles.

… Job rolls?!

............BACK ROLLS?!
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How to Shop for Groceries like a Boss

How to Shop for Groceries like a Boss

It’s happened. That thing countless rom coms and heteronormative popcorn flicks from the 90s warned me about. The thing I swore at the tender age of sixteen would never, ever happen to me.

Dear readers, I have become… my mother.

My fate is sealed and I’ve got proof! At the grocery store, I haughtily wave my cloth bags at the bagger and proclaim, “I prefer to bag for myself.”

It’s not that I hate baggers and seek to force their entire profession out of employment. It’s just that they don’t do it right, with “right” defined as “according to my very particular and neurotic specifications.”

The one time I was in a hurry and neglected to bag for myself, I lost a bag to the straining weight of all the most heavy items on my grocery list. It burst right there on my front stoop, ripped apart by the carelessness of a bagger who clearly had not trained for extreme grocery bagging at the feet of the expert: my mother.

All of which is to say: I take every step of the grocery-shopping process extremely seriously. And if it is also your goal to save money, eat well, and become my mother, then settle in.

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My Secret Weapon for Preparing for Awkward Boss Confrontations

My Secret Weapon for Preparing for Awkward Boss Confrontations

I’ve had a lot of uncomfortable discussions with bosses. A few things I’ve told them that come to mind…

“You deliberately humiliated another employee on a group call, and that level of immaturity and pettiness is professionally unacceptable.”

Or…

“Your administrative assistant, whom you love like a son, says casually and openly racist things whenever you’re not in the room.”

Or…

“You need to pay me $20,000 more dollars.”

To be fair, I said that last one nicer. And I had some great PowerPoint slides to go along with it!

Unlike a lot of people, I am actually very comfortable with conflict. I would even say I thrive on it. (There’s no way to say that and not sound like an asshole, but I am what God made me: an ENTJ.) Of all people, I probably go into a confrontational situation with the least possible amount of anxiety.

Nevertheless, I need extra deodorant on those days. My hands shake. My voice trembles. Which I really, truly hate. It makes people think I’m nervous, when it’s more of an under-exercized-border-collie-looking-at-a-fat-city-pigeon-and-trembling-with-overwhelming-herding-instinct situation.

YA DAG CAUGHT MAH

Having a difficult conversation with your boss is really hard. They’re often terribly high-stakes. Depending on the nature of the conversation, you may feel like you’re ambushing your boss with new and unpleasant information. Your life and livelihood may feel like they hang in the balance. It is not easy to stay chill.

That’s why I have a secret weapon for going into such conversations.

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