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PhD on FIRE

A personal blog with financial tips, career development, and frugal life hacks

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Frugal Living Personal Finance

Optimizing Cashback Credit Cards

January 30, 2022January 30, 2022 phdonfire

Last week I wrote about credit card churning. This week I want to go over the credit cards we use for cash back and how we optimize their usage to get the most discount. By stacking these with cash back portals and discounted giftcards, we’ve been able to get almost 25-30% discounts on our recent purchases.

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Personal Finance

How to start a credit history from scratch

January 16, 2022January 16, 2022 phdonfire

When I first arrived to the US as an international student, I didn’t have any credit history. This made renting an apartment really expensive. My

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