Why I Started This Site
Over the last few years, I've realized that Personal Finance is such an underrated topic rarely touched upon in our formal education.
So many of us are completely oblivious to that fact that we may have be charged extra banking fees, billed for random management expenses in our retirement accounts, or paid more than we needed to the IRS. All this underscore the dire need for more exposure, education, and conversation surrounding personal finance, and for people to recognize early in their careers that things like credit cards, stocks, and savings accounts are tools to help them become financially responsible.
My goal is to share my learnings with all of you - this includes my success stories, as well as my mistakes. There are too many misconceptions floating around, and I want to debunk these rumors. To be clear, I do not claim to be an expert in any of these topics, and I am still learning new things every day.
You will initially see on this site a heavier focus on credit cards, as that is where I started this journey. Over time, I have expanded to learning about stocks, retirement planning, taxes, and more recently...cryptocurrency, so expect to see more content on these topics in the future!
I encourage you to share your insights too (or just learn from others) by joining our Facebook Group so we can all become smarter about money!
Hi there! I'm a software engineer, urban planner, and credit card enthusiast in my late-20s.
Like many of you, I initially stayed away from credit cards because of stories on how they can adversely affect your credit score, the high annual fees, and the ridiculous interests banks can charge. However, don't fret! If you spend responsibly, credit cards can be extremely rewarding tool!
I've only started this hobby a few years ago, but have already amassed more than 3.5 million points & miles, all without spending more than I normally would (I make sure each card I have is 'profitable') while being a student. The secret is to put the right type of spend on the right cards, including your rent, tuition, and other big costs! Many think that you need to have high income and high spend in order to do credit cards, but while spending more does accumulate more points faster, regardless of how much you spend, even a one card setup can help you earn enough for a round-trip economy every year with nearly no effort!
How I Made This Site
Interested in how I made this site? Join me on a deep dive into the technical aspects of setting everything up here.
Like the Content? Additional Questions?
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This site is for informational purposes only. Contents and opinions expressed are the author's alone and your experience may vary. The author is not a financial/investment/tax/legal professional of any kind. CreditFred strives to provide the most accurate and up-to-date information possible, but the strategies and tips provided should not be replicated before you conduct your own research and, if needed, consult with a financial professional.