When Smartphone Insurance Isn’t Worth It

Despite being a frugal person who seeks out items that are built to last, and reads pages of reviews of products to make sure I don’t buy something shoddy, in this particular case my frugality didn’t translate to reading the fine print.

Student Loans Literally The Worst

Really. They are.

Five Points of Advice on the Spending and Earning of Money: Point Five

1) Do not trust Financial Advice from a man who identifies himself as John (middle name: Stewart) Fram.

a) Young Spender, wherever you are, if you are reading this, if you hear only one thing that I, Author, tell you, if you take to heart only one of these Five Points I have prepared for you so carefully (because you see that, don’t you, Young Spender: You see that I have prepared them for you and for no one else), then let it be this: Do not trust a single word that comes from John Fram’s mouth.

Five Points of Advice to Young People on the Spending and Earning of Money, Part Four: Drugs and Prostitution

AUTHOR’S NOTE: The Author would like to make perfectly clear, before beginning, that he/she does not in any way sanction, condone, or otherwise recommend the selling of illegal substances or one’s body, and said bodily services as a means of making income. However, as outlined below, he/she does not judge those that take this path, as he/she understands that hunger is a force to be reckoned with.

Five Points of Advice to Young People on the Spending and Earning of Money, Part Three: Credit

Understand that there is nothing in this world not driven by the spending of other people’s money, also known as Credit.

Five Points of Advice to Young People on the Spending and Earning of Money, Part Two: Always Pay for Art

1) Steal as little Art as possible; try, always, to pay for it.

Five Points of Advice to Young People on the Spending and Earning of Money, Part One: Overdrafted Bank Accounts

Understand that no matter what you do, Young Spender, there will be occasions upon which your bank balance will slide into the negatives.