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- Digit – Struggling to save money? Sign-up for Digit at paybal.co/digit to automate your way to saving hundreds or more! Digit analyzes your spending and automatically saves the perfect amount every day, so you don’t have to think about it. Read why Rich loves Digit and how much it’s already saved him.
- Tiller – The only spreadsheet templates powered by an automatic feed of your finances directly into Google Sheets and Excel. Easily budget, track expenses. Get started here!
Successfully Pay Off Your Debt
D.E.B.T. Free: A 4-Week Starter Kit – Paychecks and Balances’ signature course, summarizes the debt free lessons I learned writing and living Debt Free or Die Trying in a simple 4-step, 4-week program.
SoFi – offers a range of financial services, from personal loans to refinancing to investing. There’s something to help everyone get their money right. Marcus has used SoFi twice and have nothing but good things to say about their easy to use services. Use our referral link (or don’t, because we would still recommend them) to get $100 when your loan is funded.
Side Hustles and Multiple Income Streams
- How to Start a Blog – Michelle Schroeder-Gardner is the self-made millionaire behind MakingSenseOfCents.com who credits finding her purpose and sharing her story through blog writing for her personal and financial success. With her easy-to-follow course, you can be up and running a blog in less than a day!
- Making Sense of Affiliate Marketing – Over 50-percent of Michelle’s How I Made Over $1,500,000 In 2018 revenue comes directly from successful affiliate marketing.
- Making Sense of Sponsored Posts – You can also quickly learn how she made her first blogging income, and how she now makes $10,000 – $20,000 a month with sponsored partnerships.
How to Research Your Next Credit Card
As I discuss in my book, used responsibly, credit cards can be a great tool. Credit cards are not evil. I am not an advocate for credit cards, and honestly, if you can live a cash-only lifestyle, I highly recommend you do. If you cannot, then the best practice and my recommendation to you is to pay your credit card(s) off in full each month.
Now that we’ve gotten the responsible cash lifestyle disclosure out of the way. I believe you only need one and no more than three credit cards. I don’t close credit cards (I cut up whatever cards I’m not using). There are mixed opinions on how many cards you need but there is a consensus that a high credit utilization rate has a negative impact on your credit score.
I opened my first credit card at age 18. I have an 800 FICO Credit Score. I’ve learned a lot about credit along the way. My favorite book on the topic is Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future.
In my experience, the most dependable credit card I have is my Chase Freedom Visa Card. I’ve been a cardmember since 2008. Since I’ve kept my Chase account in good standing for over a decade my limit is $20,000 and my interest rate is less than 12%. I honestly don’t need another card. I rely on Chase Freedom because it works when I need it. My advice: if you’re going to use a credit card, use a good one.
If you’re in the market for a new card, you can use my referral code to see if Chase Freedom is right for you. Click here to learn more with no obligation to sign-up.
There may be a better credit card for you! I’m a proponent of doing your own research versus randomly accepting solicitations for “pre-approved” credit cards. For more information, I recommend (and receive no referral or affiliate income) the following two great resources: CreditCards.com or NerdWallet.com.