Most banks automatically give you overdraft protection, the fees upwards of $30 when you overdraft. Oh Thank YOU! Wow. The guy who invented “automatic overdraft protection” made the banks billions and billions of dollars, for the convenience factor. You know when you are out fine dining you don’t want to be embarrassed that your card was declined, oh no! Well the fear of worrying what others think of our financial situation sure is motivating.

Don’t you think the technology exists for your card to simply be declined when you don’t have any money left in your account? Why would the banks implement something so seemingly customer service oriented and give up billions of dollars? Right.

Outside of a desperate or survival mode purchase, wouldn’t you prefer for the card to be declined instead of paying a $35 fee on top of a $3.00 coffee purchase?

“Should I set up bill pay, automatically? How can I set it up and avoid overdraft charges?” – Joe

That depends. First of all, are you on top of balancing your checkbook? Have you had any overdraft charges this year? If you have overdrafts, I would not set up any automatic payments for bills until you get organized. So here is some crazy info that is just about guaranteed to rile you up and get you crackin’ on some cool financial projects. That is not an oxymoron by the way. Here are some tips on getting organized, protecting your money, and paying your bills. It is a lot sexier than it may seem…

Where is the best place to put extra money right now? – TD

Extra money?! Woohoo! Yeah! I know some of you reading this are thinking, “dang, that would be nice to have some ‘extra money,’ and if I had some I wouldn’t have any trouble thinking of what to do with it.”

What is “extra” money? Is it the $10 you have left at the end of the night that you didn’t think you would have? Is it the money beyond what you needed to cover your regular monthly expenses? Is it the money you have beyond covering monthly expenses, savings, and retirement investments? It means something different to everyone, because what people feel they “have to” make is different to everyone.

Hey Coach Sizzle, should I buy a car or not? -KT
I am extremely passionate about giving advice on buying cars. Why? I have made many mistakes namely leasing new versus buying used. At one time, when I was 24 years old I was not only leasing one vehicle, but two vehicles. Wow. Really? What an ass! Ok, well at this point now, I have not owned a car for almost four years and I am super ecstatic about it. I hate to brag and everything but I ride San Francisco’s public transportation system, Muni, and I flippin’ love it. I don’t even buy a fastpass because I know that I spend less on fares individually based on how much I ride.

Who said this? “We must rapidly begin the shift from a thing-oriented society to a person-oriented society. When machines and computers, profit motives and property rights, are considered more important than people, the giant triplets of racism, extreme materialism, and militarism are incapable of being conquered.”

While being young, broke and beautiful is all well and good, some people’s finances are more jacked than others.  That’s why we’ve invited Betsy Crouch (aka Coach $izzle) to come onboard and dole out some much needed advice.  She is a professional financial coach after all.  If you’ve got a

While being young, broke and beautiful is all well and good, some people’s finances are more jacked than others.  That’s why we’ve invited Betsy Crouch (aka Coach $izzle) to come onboard and dole out some much needed advice.  She is a professional financial coach after all.  If you’ve got a question

While being young, broke and beautiful is all well and good, some people’s finances are more jacked than others.  That’s why we’ve invited Betsy Crouch (aka Coach $izzle) to come onboard and dole out some much needed advice.  She is a professional financial coach after all.  If you’ve got a question