The Budget Fashionista’s Annual “Being Broke Ain’t Cute” Series features tips and advice to help you improve your personal financial health. For more personal finance information, please visit our Financial Health Series.
The #1 question I get asked the most is how I was able to get my financial house in order and get out of deep debt.
First, how I DID NOT get out of debt:
No fairy godmother with a magic wand that magically erases credit bureau databases.
No Hedge-fund sugar daddy (I wish )
No publishing clearinghouse folks showing up at my door with a bouquet of grocery store bought flowers and a five foot check for $100k.
No, quick easy fixes. Just lots of hard work and honesty.
Here’s how I got out of debt:
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How The Budget Fashionista Got Out of Debt
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Between the dangers of carrying cash on the streets and the ridiculous amount of fees that credit cards tend to charge, people end up using debit cards instead. What folks should realize though is that a debit card isn’t an innocuous little thing sent down by the heavens to rescue us from our financial abyss. It’s a business, y’all, as we once wrote here regarding debit cards’ hidden fees.
We’ve shared below ShopSmart’s must-know list of five situations when you should not use your debit cards.
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Five Debit Card Don’ts
If you’re trying to put your finances on a diet, one of the things you do is account for everything. And when we mean everything, we mean including your razor cartridge that only costs 2 dollars a piece, or your $5 bottle of shampoo. The reason is simple: it’s just so easy for us to overspend on personal care.
That’s why ShopSmart sent several secret shoppers to learn who’s offering the best deals on razors, shampoos, and other personal necessities. Here’s what they reported back to us.
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ShopSmart’s Shopping Tips for Personal Care Items
Founded in 2003, TBF is a fashion blog dedicated to helping you live your best for less. We give you the 411 on the latest fashion trends & tips and sample sales. 