WeeklyBagel

On episode 19, I did an intro to building credit where I warmed you up on the American credit system. As you have probably heard me say many times, credit is king for young working class adults. This is because a good credit score and history get us access to creature comforts which cost thousands of dollars. This episode simplifies the American credit score system. I talked about what it means fo...

When it comes to credit, young working class adults are not guided into building them prior to independence from their parents. Most would build it later, but a lot would ruin their credit history before doing it. On this episode, I introduced you to the concept of credit history and credit score. As I mentioned on the episode, building credit is a starting point to financial independence. This is...

Hello there! Your goal to have your own place can be disrupted, when you do not have the right bank account to help you meet your saving goal. This is especially, when you maintain an account with a bank that charges you monthly fees. On this episode, I talked about the right kind of bank account to help you save to move out and have your own place. I have also attached a couple of articles I ment...

On episode 5- Is It Smart To Get A Roommate , I emphasized the need to have a good venting system to avoid potential issues. Even when venting is done right, a roommate can still turn on you and make life miserable. Have you experienced it before, my dear listener? I hope you have not. The emotional stress on it can take a toll on you. Hence, why I mentioned going about it the right way. This is t...

A while ago, you and I contemplated on whether it was smart to have a roommate or better dealing with rental alone as a young working class adult. It was on episode 5- Is it smart to have a roommate or pay bills alone? . Sounds like forever ago. Anyways one of the worst things which could happen to you as a young working class adult, is getting a roommate who turns out to be a burden to you. This...

The current economy situation has some young adults seeking roommates in order to afford a roof over their heads. This is according to National Association of Home Builders . It says young working class adults of age 25 to 34 constitute 23% of 6.3 million households in shared housing. That is a whole lot, is it not? Well, I am not surprised. Millennials and adult Gen Zs have been having it rough c...

Do you remember when I asked: Is it smarter to get a roommate or rent it alone on episode 5? Well, it turns out one of the biggest issues renters face is having their roommates not pay their share of their rental bills. Most times conflict arise from young working class adults sharing an apartment, it is often money issues. Why is money issue the biggest conflict, my dear listener? This is because...

There is no joy better than having a place of your own. You get to make it a home away from the home you were raised in. Utilities play a big role in shaping this home for you. Without them, half your creature comforts are out the window. Now, it is important you set up your utilities before moving in. If not, you can do it a day or two after you move in. But any more delay may incur a fee from th...

On episode 6 , I talked about the credit score apartment usually look for in renters.  Personally, I recommend young working class adults work on their credit first before trying to get a place of their own. But, let us be realistic. Sometimes, circumstances call for us moving out immediately and our credit score may not be up to par. In a situation like this, what do you do? On this episode, I di...

When trying to rent an apartment, it is important you do your due diligence. This is to avoid an apartment being an extra burden to you, besides the usual expenses. You avoid these by having an apartment checklist. They make sure you do not neglect asking the right questions prior to signing a lease. On this episode, I discuss the common mistakes young working class adults make  when trying to get...

One of the problems with renting apartments is some leasing agents do not disclose the hidden fees associated with renting an apartment with them. Sometimes, these fees could rack up a substantial amount for the average renter. As a result, rent becomes a burden for the average working class adult trying to eke a living while needing a roof over their heads. This is usually where we start seeing r...

On this episode, I discuss the necessity of saving a few months worth of apartment rent. It saves you from the anxiety of a sudden income disruption. The last pandemic taught all nasty lessons, did it not? Well, saving for an apartment starts with having a specific, realistic and attainable goal. Goals keep us grounded. I recommend buying one of those Walmart white boards and writing them on it. I...

Zillow is a great platform for looking for an apartment, however it is not excluded from the iron grasp of scammers. On this episode, I discussed the red flags on Zillow that should tell you when a listing is fraudulent. Apartment scams on Zillow is a real issue. Also, I talked about how to go about renting an apartment on Zillow the smart way. I figured this is important since there are a lot of...

Craigslist is a great platform for getting affordable rental properties. However, it is plagued with scammers trying to have a shot at your money. What pisses me off, is these guys are so good, you need to be good to spot Craigslist rental listings scam. On this episode, I discuss what to look for. This is in addition to how you could avoid falling a victim. Finally, where to report scams or renta...

Apartment rental scam is a big nuisance nowadays in the property rental industry. This is especially on websites showing apartment complexes. It is easy for scammers to get on there and set up apartment rental scams. On this episode, I discussed how you could identify and avoid these apartment scams. This is to avoid being taken advantage of financially. Or worse, getting the apartment from hell....

In America, credit is King. Without credit score or credit history, it is hard to have access to financial services. This includes apartment services. So, what is the average credit score for an apartment? You need a credit score of at least 650 to be considered for an apartment. Anything less than a fair credit score ratings will make it hard.  On this episode, I discussed about the credit score...

Is it better to get roommates or just live alone? This is a question most young working class adults contemplate before getting their own place for the first time. This is especially, when you live in a city with high cost of living making a little above minimum wage. There are benefits to each, but making a decision on this depends on what your mental and financial needs are. On this episode, I w...

Hello, welcome to the 4th episode of the Weeklybagel podcast. On this episode, I discussed the kind of jobs out there that will pay enough to get a place of your own. You have probably heard any job is good enough to help you make rent, but often this is not true. Some jobs will pay you barely enough to make rent and take care of yourself. To be able to sustain yourself after you have your first a...

Hello there! The best decision any working class adult can ever make is having a place of your own. This is whether you are renting or buying your living abode. It is the first step towards financial independence. On this episode, I talked about how to go about it in a systematic way which permits long term success. By long term success here, I meant never moving back to your parents' house, if yo...

Hello there! I am Chimé NU- the founder of WeeklyBagel, a professional personal finance blog that simplifies personal finance for young working class American adults. This first episode is an introduction to what I hope to accomplish with this podcast and a little story about me. You can read Why I started WeeklyBagel to get a grasp of where I am coming from. The podcast is for young working class...