Build credit, YOLO lifestyle, free stuff and selling your hair.

1. How Long Does It Take to Build Credit From Nothing

Money Under 30 — Chris says, building your credit up takes time for newcomers and those who are just getting back after a bankruptcy or other financial setback. His first recommendation is knowing “where your credit score is right now.” If you’re at 399 to 599, you have “poor credit.”

If you don’t have a credit history, you might be starting from 0. Chris provides habits you should adopt as you build credit (such as paying your bills on time) and habits you should avoid (using too much of your available credit). This is a lengthy post so start reading and building up your credit.

2. How I Ditched My YOLO Lifestyle and Got My Finances On Track in Just One Year

The Luxe Strategist — Kate says “money has never been easy for me. I don’t know that it ever will be.” But now, at least, she believes she has her financial life in control. Just a year ago she was spending money she didn’t have, living the YOLO lifestyle, but things have changed.

Kate provides six tips for saving money and paying down debt. I like the third one: “I blew off the idea of minimums.” She says paying the minimum payment on anything “is for suckers.” Pay an extra $10 or $20 and reduce your balance faster. Enjoy this post.

3. How to Survive Real World Budgeting for the First Time

Moneyning — Graduating college, technical school or whatever endeavors you choose is exciting. And getting your first “real” job signifies you’re joining the adult world. But something else happens when you receive that first paycheck — you start paying bills and managing your own money.

And young people are unprepared for it. So Connie breaks down what you should do when you start earning money. For example: “Know Your Take Home Income.” Just because you’re making $40,000 a year doesn’t mean you’re bringing home that much. Read this post and prepare yourself for the “real world.”


4. Love Free Stuff? Here’s Your Guide to Becoming a Freebie-finding Machine

Living on the Cheap — Jen understands why people don’t like looking for free stuff. She says many free offers are “click baits” — “But if you know where to look you can find free products that aren’t scams.” And Jen certainly know what sites are best for free products.

She first provides pointers on telling the difference between frauds and legitimate offers. For example, if they ask for your credit card number, they’re a scam. Some places where you can find the best offers includes the site Penny Hoarder — a blog we have featured in the past on

5. Should You Sell Your Hair for Quick Cash?

Everybody Loves Your Money — Maybe you need a few extra bucks now that the holidays are over. If that’s the case, why not sell your hair? I can’t afford to sell any hair on my head, but natural blondes and redheads are apparently in demand. Jackie says: “The longer, thicker or preferably both, the stronger the demand.”

She tells you where to sell your hair. For example, HairSellon — clever name. She also provides advice on what you should say in your “posting” and warns you that you should “carefully think through” your decision. If you want more side hustle ideas, check out how Nick hustles for more money.

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Brian Bienkowski

Brian Bienkowski

Staff Writer

Bienkowski is a staff writer and is the face of's 'By the Numbers' videos.

Budgeting & Saving, News

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Article last modified on January 2, 2018. Published by, LLC . Mobile users may also access the AMP Version: This Week Around The Web - AMP.