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...

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Latest Articles

Debt Avalanche Method: What is it and How Does it Work?

Debt Avalanche Method: What is it and How Does it Work?

Now you know that debt snowball is the strategy that gives you that hit of dopamine during your slog of paying off debt by providing little wins along the way. It’s the psychologically correct approach for a lot of people, but debt avalanche is perfect for all the number nerds out there.

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How to Pick Between Debt Snowball & Debt Avalanche

How to Pick Between Debt Snowball & Debt Avalanche

You’re educated on two great ways to pay off debt: Debt Snowball and Debt Avalanche. Now you have to make the choice about which one is actually the right fit for you. Don’t let the anxiety of having to make a decision paralyze you, because there’s some good news…

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Latest Articles

How to Pick a Balance Transfer Card

How to Pick a Balance Transfer Card

  You now understand how a balance transfer works and the ways you can maximize the benefits without falling victim to a trap. Now it’s time for us to talk about how to actually go about picking your balance transfer credit card! It starts with finding a good...

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...

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...

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