credit cards

Tough Love, Tough Finances and Saying “No.”

Tough love, tough finances and saying “no” is something that I have had to do with a close loved one of mine. This close loved one is my one and only daughter. A lot of people have asked me if my daughter is really on top of her finances. You would think she would be having a mother like me…. Read More

MoneyTips: One Stop Shop for Your Financial Needs

MoneyTips: One Stop Shop for Your Financial Needs An account representative from MoneyTips contacted me on Linked In a while ago and asked if I could review their product to see what I think about it. I am very leery of suggesting products to anyone unless I actually have used them. I have been toying around with MoneyTips for… Read More

Three Ways to Build Credit Without Using Credit Cards

There are three ways to build credit without using credit cards and increasing debt. The most common way to build credit is by using credit cards. Making timely payments on debt accounts for 35% of your credit score. However, there are alternative ways to (re) build credit without using credit cards and increasing your debt. Get a Secured Credit Card… Read More

Your Credit Score Is Not Just Numbers: What Your Credit Score Numbers Mean?

Please be aware that your credit score is not just a bunch of numbers. They have meaning. Do you know what your credit score numbers mean? Your credit score a grade of how good you are with credit and debt. Your number gives businesses a view into how responsible you are with money. What’s in your credit score and what… Read More

My name is Takiia L. Anderson also known as The Frugal Biddy. I am a licensed attorney who was able to pay off six figures in student loan, credit card debt and car loan debt in less than nine years. I did this all the while being a single parent! I graduated from law school in 1999 with approximately $111,000 in student loan debt, an almost two-year old daughter and my entry level salary was $34,102. I made a lot of sacrifices in order to ensure that I stayed laser focused on paying off my debt and saving the maximum I could towards my retirement. Not only did I clear out six figures of debt but I was also able to save so far $500,000 in my retirement and $15,000 of an emergency fund. Additionally, I saved three years worth of college tuition for my daughter. I never had anyone sit down and instruct me on how I should deal with debt or how I should save money. I learned it all on my own. And while I am not perfect and I have made mistakes I believe that anyone who follows me will gain a wealth of knowledge. My desire is to be an accountability partner for anyone who reads my blog. I truly believe that YOU can live a debt free life and can amass savings. It may take some time but it can be done. You can also follow The Frugal Biddy on Facebook, Pinterest , and Instagram. You can also follow me on Linked In as Takiia L. Anderson, Esq. Wishing you a Fabulous, Frugal and Fun Life!