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…

I’ve got some awesome news! We received a grant from the Civic Joy Fund to put out a literary magazine celebrating SF and acting to counter the stupid “Doom Loop” narrative. It’s a gift to the people of San Francisco. And after months of working on this project it’s now available

A couple of weeks ago, at the Brooklyn Book Festival, I had the honor and privilege of being present at not only the readings/signings of Bored To Death creator/writer Jonathan Aames, but the one and only Analrapist Dr. Tobias Funke, aka David Cross.  As Ryan has mentioned, he’s been making

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

  So I’ve decided to start an advice column here on Broke-Ass Stuart’s Goddamn Website called Poor Advice.  Think of it as Dear Abby with a drinking problem.  Basically, this is where your questions get answered and nothing is taboo.  And generally speaking, the best piece of advice I can