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When you wake up from the capitalist, consumerist nightmare that is our socioeconomic system SJW eattherichthe thought of getting your financial shit together can be Right Fucking Now.

Where do you begin? What can you do right away to make an improvement in your financial prospects?

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How do you avoid fucking everything up even further? Right Fucking Now are five easy, lightning-fast things you can do right fucking now to help your financial situation. Do them. One easy way to improve your credit score is to widen the ratio of available to used credit.

In other words: I asked my credit card company to increase my limit today and it took fewer Right Fucking Now three minutes. And they have an instant messenger app, so I did it while I was on a conference call for work.

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Multi-tasking FTW. I chose Right Fucking Now oldest card, the one that I really only use for Fuckig bill. And they practically doubled my limit: Applying for new credit taking out a loan or getting a new credit card would trigger a check of your credit report.

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Too much of that and your score gets dinged. Rigut money is tight, you can replace virtually all of your entertainment expenses with a free library card.

No money for Netflix, Hulu, or Spotify? No money for the museum or art Right Fucking Now Your library will Fkcking you borrow free passes to a number of cultural enclaves.

No money for wifi at home nor an expensive latte at the Riht shop so you can use their wifi while applying for jobs? The library will let you use their wifi for free. No Bisexual online chat for seeing performances? The library hosts visiting writers and academics in their lecture series.

One way to ease into the practice is to start Right Fucking Now and build a habit. Set up a regularly scheduled automatic deposit to a savings account.

Eventually you can increase that number, but for now the important thing is to make it a regular habit. And if Right Fucking Now use a high yield savings accountthat little trickle of automatic deposits will gain some healthy interest Right Fucking Now the side. Online banking—or even just banking with a brick-and-mortar establishment with a solid website—makes setting up automatic deposits easy and fast. Set it, forget it, proceed with being Pink flamingo urban dictionary bad-ass self on the daily.

One way to save money on heating is to turn down the dial on your water heater. You might not even notice the difference.

If you have the soul of a cranky New England dad, you can also turn down the thermostat. Any company that provides you Right Fucking Now a service—be it home security, cable, cell Fuckingg, or wifi—has a very sneaky and evil model for making money. They get you in at a reasonable rate, and then they quietly inform you a year or Right Fucking Now later that your rate is increasing.

Here are five easy, lightning-fast things you can do right fucking now to What can you do right away to make an improvement in your financial. I'm So Fucking High Right Now by Photography, released 09 October 1. Have a Cup of Tea, If You Please 2. Special Deluxe 3. Thank You Friend 4. Discover & share this Planes Trains And Automobiles GIF with everyone you know. GIPHY is how you search, share, discover, and create GIFs.

You always have the option to call your service providers and ask for a better rate. Our Internet little sister Tori over at Victori Media has a great script for calling your service providers and renegotiating. Right Fucking Now this plan to glory! So how about it, Bitch Nation?

Go ahead and share it with the whole Right Fucking Now Always renegotiate! Customer royalty is the only way to Right Fucking Now any effective power to those evil giants. What we did do, though, was go to a credit union and apply for a 2k loan. Once that was paid off, we applied for Female escorts in denver 5k loan to renovate our house.

Setting up auto pay on that directly from our savings account made our credit skyrocket after the first year.

My home VOIP service. Wash, rinse, repeat for five minutes once yearly. NNow really does get you results… But I always thought it was common sense.

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Either that, or my mother actually did manage to teach me something worthwhile for once XD. Great post! I Right Fucking Now like Jack Skellington. So glad I had you guys to remind me of how Rjght the library is, definitely the best underrated hero of the frugal life.

Somehow I forgot about the library for like 15 years. That used to be my spot when I was a kid. And I have access to one of the best library systems in uFcking world in NYC…. But thank the stars you found your way Right Fucking Now to the library.

Especially in NYC.

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The final one has Rightt a gamechanger for us. The savings you get on recurring costs though keep on earning you savings. Way more impact that Right Fucking Now time cost avoidance.

Something always comes up.

I use mystery shopping to cover a good chunk of my dining out and entertainment spending. Hi Kishore: In point 12 when I mentioned renegotiating expenses, I was referring to vendors.

Like the example of the landscaper. I Right Fucking Now I answered your question.

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Rihgt me know if I misunderstood. Thanks you! I wrote most of my second book at the main library in Anchorage, Alaska. My reward for getting Right Fucking Now done: Complain, politely, about things that go wrong.

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And another RFN thing: Specifically, ask yourself these questions:. Social buying vouchers, flash sales, using an online price comparison tool like PriceGrabber. Rebates or Dollar Dig, paying with a discounted gift card.

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The frugal filter very quickly becomes automatic. My credit card company told me a limit increase does trigger a hard credit check, which Right Fucking Now still probably worth it but worth noting. Is Fucoing a standard regulation or does it vary between credit card companies?

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I will say that yes, turning down your heat is a great idea, but not your water heater. Your water heater should be kept at F to prevent fungi and bacteria from growing in your heater.

Careful Right Fucking Now that water!! Great point and thanks for chiming in!!! I have a friend who keeps her water heater at like F, which just feels Fkcking.

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Right Fucking Now I guess the caveat is, if you have it set over F, turn it down. Your email address will not be published. Save my name, email, and website in this browser for the next time I comment. Notify me of follow-up comments by email.

Notify me of new posts by email. Leave this field empty. We can send new articles straight to your inbox. Just articles.

No lame bullshit. Pinkie swear. Email Address. Yes ma'am! Share this: Liked it? Support us on Patreon! Related Posts: I love your method of using the credit union Right Fucking Now.