Penguin Thoughts

Your money-saving prodigy penguin writes

Charlie’s Freebies

  Every week I scan the internet to find you free things. One of the many reasons why the...

8 Tips to Score the Best Deals on Amazon Prime Day

  Summertime and the savings is easy. This rings especially true if you’re an Amazon Prime...

Latest Articles

How Will a Balance Transfer Impact My Credit Score

How Will a Balance Transfer Impact My Credit Score

  When applying for a balance transfer credit card, it’s natural to fret a little -- or a lot -- about how this move will impact your credit score. And notice, I said “will” not “could” or “if” or “may”, because getting a new line of credit is definitely going to...

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Tricks and Traps of a Balance Transfer

Tricks and Traps of a Balance Transfer

  A balance transfer is one of the most efficient ways to slay credit card debt -- but that’s not profitable for the banks! Surprise, surprise, banks looooove when you pay oodles of money in interest. So even though banks allow you to transfer your balance and...

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12 Tips to Save Money on Car Rentals

12 Tips to Save Money on Car Rentals

  Sometimes renting a car is the perfect way to get around. Rentals are available on short notice, timing is flexible, and you can get whatever kind of ride you need. Even if you already own a car, renting wheels while you travel can be cheaper than driving to...

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How to Save Money For a Car: 9 Rules to Follow

How to Save Money For a Car: 9 Rules to Follow

  For many Americans, driving a car is a non-negotiable part of life. It’s necessary to get to work, shop for food, connect with friends and family, and more. But how should you financially prepare for such a large commitment? What steps should you take to ensure...

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12 Easy Ways to Save Money on Car Insurance

12 Easy Ways to Save Money on Car Insurance

  There’s no way around car insurance for most US drivers. It’s a significant cost that we all have to navigate. And even if you consider yourself a fairly savvy consumer, you might feel like you’re spending more than you need to. And you’re probably right! Most...

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7 Hacks to Pay Off your Car Loan Faster

7 Hacks to Pay Off your Car Loan Faster

  Buying a car can be exciting, but parking that shiny new vehicle in the driveway often comes with something less fun: an auto loan. Most Americans who purchase a new car, and many who buy used vehicles too, do so with the help of financing.  As cars get more...

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Latest Articles

How Will a New Credit Line Impact my Credit Score?

How Will a New Credit Line Impact my Credit Score?

  When applying for a new line of credit, it’s natural to fret a little -- or a lot -- about how this move will impact your credit score. However, it can still be a smart move!    Your credit score is meant to be used (within reason) The entire point of...

Should I Use a Debt Relief Company?

Should I Use a Debt Relief Company?

  There’s a big issue when it comes to debt relief companies: it’s hard to tell who is a good guy. Heck, even the language is confusing because debt relief, debt consolidation, debt settlement and credit counseling often get used interchangeably, though they’re...

What is a Personal Loan and How to Get One

What is a Personal Loan and How to Get One

  You’ve considered debt avalanche and debt snowball and you’re a little freaked out about taking out a new credit card to pay off existing credit card debt with a balance transfer. Channel your best infomercial voice and say “there’s gotta be another way!” And...

Charlie works for you. He tracks your spending, then gives you advice that is specific to your patterns, preferences and data.