Author

Tia

25+ Free Activities to Enjoy This Summer

Today we are going to be discussing 25+ free activities to enjoy this summer.  The other day I asked my Twitter followers what they do in the summer to save money?  Some of the answers I received included:  I don’t save money in the summer, I just count the summer as an L, and that I avoid my bank account for the summer.

Although I was saddened by the answers, I am not going to lie.  When it is nice outside, it is tough to stick within your budget.  If you are anything like myself, then you want to enjoy the happy hours, rooftops, and other activities after work as well as on the weekend.  On top of that, there are concert announcements and flight deals every week!  The thing is, you can’t let all of your good financial habits throughout the year go to waste over a few month in the summer.

That is why I decided to come up with this list of 25+ free activities to enjoy this summer.

Free Activities to Enjoy this Summer

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4 Reasons You Should Increase Your Credit Score

Check out this latest guest post by Dan Miller regarding 4 reasons you should increase your credit score. See his bio at the end of the post.

A good credit score makes one’s life much easier.  It paves the way towards financial independence and aids in money-saving endeavors.  On the other hand, a shabby history of credit use reflects in less than stellar rating and inhibits your credit management.  It goes without saying that there are plenty of reasons to get on the right path to a clean credit rating.  There is a variety of prudent steps to take and best practices to adhere to.  Basically, to hold the reins over your finances and life, you have to stay on top of credit management and make on-time payments.

Check out these 4 reasons that you should want to increase your credit score.

4 Reasons you should increase your credit score

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8 Reasons you Should Keep Renting (Instead Of Buying a House)

Everyone around me bought a home in the past 2 years or is in the market for a home in the next 2 years. It is crazy!  Although we may be at that stage in life, purchasing a home isn’t for everyone.  Personally, I did a ton of researching before I realized that it was time for me to buy a home instead of continuing to rent.  I weighed the pros and cons, read lots of articles, and asked a ton of questions!

In order to help others that may be considering buying a house, a created the following resources:

If you are on the fence about renting versus buying, check out these 8 reasons you should keep renting (instead of buying a house).

8 Reasons you should Keep Renting

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6 Items that have the Best Resale Value (to make money fast)!

There are a couple of ways to make extra money quickly.  Of course, you could try a side-hustle like driving for Uber or freelance writing.  You could even try to open up a new credit card or checking account that comes with a bonus for signing up.  Typically, though, those options can take time to actually receive the money.  However, you may be able to find extra money by selling items that you have at your house.  Like the saying goes – one person’s trash is another person’s treasure.  Check out these 6 items that have the best resale value.

5 Items that have the Best Resale Value (to make money fast)

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The Ultimate Guide to Money for Recent College Grads

Congrats to all of the 2017 graduates!  It is awesome to scroll down social media and see all of the beautiful family pictures.  Now that you have walked across that stage it is time to welcome you to the real world.  By real world, I mean the world of additional bills and responsibilities.  Although personal finance is typically not taught in a traditional school setting, you are in luck.  I have created this ultimate guide to money for recent college grads.

 

The Ultimate Guide to Money for Recent College Grads

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6 Surefire Ways to Increase Your Credit Score (Video)

Exciting news for Financially Fit & Fab!  You can find us on Youtube!  You can now expect a mix of blog articles and videos posted to the site.

6 Surefire Ways to Increase Your Credit Score

Check out the very first youtube video below: 6 Surefire Ways to Increase Your Credit Score.

Make sure to follow us on Youtube here.

Is there a topic that you think would be great for video?  If so, let me know in the comments or via email at financiallyfitandfab@gmail.com.

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The Woman Who Paid Off 220,000 of Debt in 3 Years Speaks Out

Earlier this year a post from Business Insider titled “How Ebony Horton paid off 220,000 of student loans in 3 years” gained a ton of attention on social media. Although the goal of the post was to be motivational and encouraging, it generated a ton of backlash. Many readers and those in the personal finance world felt like the post and the task completed were unrealistic for the average millennials.

I sat down with the woman featured in that highly discussed article, Ebony Horton. I wanted to get her insight about how she paid off 220,000 of debt and let her tell more of her story in light of the backlash.

 

The Woman Who Paid Off $220,000 of Student Loan Debt in 3 Years Speaks Out

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9 Ways to Cut your Budget (When There Is Nothing Left to Cut)

Check out the latest post which is a guest post by Elena which gives you tips when attempting to cut your budget.  Please see her bio at the end of the article.  

When you are barely making ends meet, it is critical that you implement a strict budgeting system to manage your expenses and, ideally, save money at the end of the month. Like all other plans, financial planning requires some homework. That is why you need to keep track of your expenses even before you start controlling them. Get to know about all your expenses and your spending habits for at least one month. Monitor where the bulk of your money is going apart from your mortgage, rent and grocery bills.

Include all purchases big and small and take them into account at the end of the month. Carry a small notebook with you to jot down every detail so that you don’t skip anything. You can also benefit from several mobile apps to have a financial budget app right in your pocket. This way, updating your expenditure list will be trouble-free.

 

9 Ways to Cut your Budget

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How to Travel Solo And Stay Within Your Budget

I finally did it! I took my first solo trip. By solo trip, I mean I actually took a trip by myself. In the past, I have flown alone many times but typically it involves meeting a friend or group of friends.

You are probably thinking – Tia, why would you want to travel alone? Well, there are a couple of reasons I decided to take my first solo trip.

  1. It got me out of my comfort zone.
  2. I had the flexibility to do whatever I wanted to do, whenever I wanted to do it, with as much or as little money as I wanted to spend.
  3. There was a landmark I wanted to visit (the National Museum of African American History and Culture) and I didn’t want to wait for others to get ready to travel with me.

I am not going to lie. I was nervous. Prior to this trip, I would rarely go to eat by myself.  Let alone visit a different city for a weekend by myself.  Therefore, this was a real stretch. In addition, one of the great things about traveling with friends or family is that you can split some of the costs (transportation and hotel especially). However, now that the trip is over I am so glad I was able to travel solo and stay within my budget.

 

How to Travel Solo and stay within your budget

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How My Lack of Money Knowledge Landed Me Bankrupt at 22

This is a guest post by an awesome blogger that I met last year, Kenya.  Check out her bio at the end of the post. 

I remember my first day on campus. My short blond haircut, my gray colored contacts, a new pair of Reebok Classics. I was ready for all the possibilities.

I wish I could tell you my four years of college ended in a degree and left me ready for a job in the world.

Eventually, I got the degree and the job, but not before a few other things happened first.

I started college at 17, graduated early.

Prior to going to school, I didn’t fully appreciate the lifestyle I had been afforded.

My mom grew up “down the way” as we called it where I’m from. And so she made every effort to make sure I didn’t.

I went to a predominantly white school, lived in a nice neighborhood and had everything I needed and most of what I wanted.

But by the age of 22, I had filed bankruptcy.

You are probably wondering how this happens. Well, let me share.

How My Lack of Money Knowledge Lan

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