Penguin Thoughts

Your money-saving prodigy penguin writes

Penguin Thoughts

Your money-saving prodigy penguin writes

Charlie’s Favorite Articles

Your Guide to Overcoming Debt Shame

  Ugh, the dreaded "D" word. It's more unpleasant to bring up one's debt situation than a significant other (or lack thereof) or problems at work. There's certainly a jumble of emotions that come with debt: anger, resentment, and anxiety, for starters. But here's the...

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Are you Suffering from a Debt Hangover?

  Yup, the holidays are the time when you can get overboard (in every sense of the word). Who can resist shiny bobbles, Christmas markets and an adorable pair of shoes you'll wear to a holiday party? Next thing you know, you've swiped your credit card too many times...

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6 Steps to Ditching Your Debt

  Let’s face it -- debt sucks! Keeping up with the payments means less cash to do what you really want. And, the interest makes the burden grow, often faster than your payments reduce the balance due. With a solid plan and a lot of determination, you can ditch your...

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7 Ways To Make Bank During Winter Break

  Ahhh winter break: a few weeks to celebrate the holidays, rest your brain, and make some cash. With your new found spare time, you can earn money to pay off your holiday splurges, chip away at your next tuition bill, fund an epic spring break trip, or whatever else...

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4 Things You Can Give on Giving Tuesday

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5 Tips to Afford Going Home for the Holidays

  You thought that New Year's Eve dress was a must until your January credit card statement comes in and bam! The holiday hangover hits. How can you nurse the hangover before it even starts? Americans really like to spend money on the holidays with more than half...

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How to Stop Overdrafting

  Overdrafts happen when you spend more money than you have on your bank account. Overdrafts are a big problem for Americans. According to the CFPB, 27% of Americans overdraft. Those that do pay on average $225 a year! To put this into context, that’s like carrying a...

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