From the category archives:


What’s a Good Credit Score? Should you Care?

Usually our conversations here are limited to getting away from credit but I want to talk about something you cannot ignore which is your credit score or its official name the FICO score more important we’ll answer the question: What’s a Good Credit Score? FICO is a reference to the company that manages the reporting […]

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We’re Debt Free!

That’s right, this is the post I’ve been waiting to write since before I started FiscalGeek. We just sent off our final payoff to Wachovia Dealer Services on our VW Sportwagen. In just over 11 months we have managed to pay off $63,535.65 of credit cards, credit lines and two vehicle loans. Yes we still […]

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Personal Finance Doesn’t Absolve Personal Responsibility

I’ve noticed a theme I seem to keep harping on in my latest posts where I keep whining (let’s call it what it is) about various companies or entities. I just want to clear something up right now that I first believe in Personal Responsibility. In my own life my stupid financial mistakes and poor […]

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Cash Envelope Budgeting: Why Your Bank Hates It

In a recent article by the New York Times they estimate that Banks will make over $27 Billion dollars off of consumers overdrafts from checks and debit cards. Let’s just say that you are expecting a $400 check to be deposited on Friday, it’s Friday so you go out to lunch with your coworkers $13.65, […]

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The Debt Snowball Saved my Marriage: Spreadsheet Tell-all

For those buried under an avalanche of credit card, car, and personal debt you’ll never find anything as useful as the Debt Snowball or it’s many variants. A debt snowball is simple. You take all of your outstanding debts: credit cards, personal lines of credit, bank loans, student loans, car loans, 2nd mortgages, home equity lines of credit, overdraft credit lines (yes that’s debt too) and order them from the smallest amount owed to the largest amount owed.

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