WeeklyBagel

Episode 19 : Intro To Building Credit For the First Time

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 especially now you have your own place. The reason is because most comforts in the US cannot be gotten without financing it. I know, you can pay cash too for some things. But, most things like a house, a college education or a car are so expensive it requires being financed. For example, not everyone has $20,000 to put on a new economic car. Or, $30,000 to pay for a Batchelor's degree. Now unless your parents are rich, the rest of us young working class adults have to ask for federal or private loans to get it. And without a good credit, this is hard to do. Do you know that? So this episode is for people who just got their first job, moved out on their own, or simply realized their credit score is a blank slate. It is a starting point. Also, you can read my guide on building credit for the first time [https://weeklybagel.com/building-credit-for-the-first-time/]by going to my platform to read the article. I believe I mentioned this guide on this episode as well. Additionally, I mentioned a beginner credit card which helps people build credit without getting them in debt. It is called Chime credit builder card [https://weeklybagel.com/does-chime-credit-card-builder-work/]. It does not have fees attached to it. Hence, why I recommend it to young adults. Having said that, I hope this introduction to credit episode helps warm you up for the credit building journey ahead that you and me are about to embark on. Subscribe so you never miss an episode, and if this has helped you, share it with our fellow working class adult who needs to hear it.

Episode 3: Saving To Move Out: Choosing right bank account

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 mentioned on this episode. 7 Best High Interest Savings Accounts To Beat Inflation [https://weeklybagel.com/7-best-high-interest-savings-accounts-to-beat-inflation/] 4 Major Kinds Of Bank Account In the US [https://weeklybagel.com/4-types-of-bank-accounts-in-the-united-states/] 2025 National Interest Rates [https://www.fdic.gov/national-rates-and-rate-caps] You can read the above articles for more information on what I barely discussed on this episode. This is especially, if you are looking for high interest savings accounts to save your money in. In case of any question, you can email me at Chimezie@weeklybagel.com [Chimezie@weeklybagel.com]. I hope you have a great day! Sincerely, Chimé NU

Episode 18: How To Evict A Roommate

On episode 5- Is It Smart To Get A Roommate [https://weeklybagel.com/is-it-smarter-to-get-roommates-or-just-live-alone/] , 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 to avoid getting sued by the roommate and having to pay back financial compensation as a result of emotional damages. I know. Yeah- in the United States, you can still get sued for kicking someone out of your house or apartment. There are laws protecting people from this kind of scenario. Hence, why I stressed on how to go about finding the right roommate [https://weeklybagel.com/how-to-find-roommates-episode-16/] on episode 16. On this episode, I walked you through on how to evict a roommate without financial or legal repercussions. So, grab a bagel and a cup of coffee because it is worthwhile you stay attentive to the end. I do not want you messing your future because of a rogue roommate.

What To Do If Roommate Doesn't Pay Rent - Episode 17

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? [https://weeklybagel.com/is-it-smarter-to-get-roommates-or-just-live-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 is especially, when he or she reneges on agreed contract on bills. Oh, it is one of the scariest things about having a roommate. Do you know that? There are laws in place to protect such a person, should you try to evict such a person from the shared housing. Hence, why I emphasize on venting people well prior to giving them access to your shared living. I believe I mentioned this on last episode- How To Find A Roommate [https://weeklybagel.com/how-to-find-roommates-episode-16/]. On this episode, I walked you through the steps to go when a roommate has refused to pay his or her fair share of rental bills. That way, you are protected financially from carrying the burden of handling another grown adult's rental responsibilities while dealing with you. If this episode helps you, please share with other young working class adults who need to hear it in order to make sound decisions with respect to this issue. I hope you enjoy- Ciao! Note: You can follow this podcast or subscribe to my newsletter so as to get updates, whenever I post a new episode.

How To Find A Roommate - Episode 16

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 [https://eyeonhousing.org/2025/04/house-sharing-is-not-just-for-young-adults/]. 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 compared to those before them, when they were our age. We are all trying to make the best of today's situation. Simply put, some of us have to get roommates so we will not homeless. Not because we don't have a job, but due to the fact that the cost of living far exceeds our wages. Speaking of roommates, where do you find these roommates? This is what I talked about on this episode. I elaborated the roommate search process. Also, the things you must consider to avoid being miserable living with another person. When it comes to finding a roommate, it is a decision which could alter your life in a good way or a really bad way. Hence, why I always recommend considering the pros and cons of having one. I discussed this in great details about this on episode #5. [https://weeklybagel.com/is-it-smarter-to-get-roommates-or-just-live-alone/] So, use the websites I mentioned on this episode to find a good roommate for you. There are other ones out there. Be sure you are doing your due diligence before accepting a roommate. By due diligence, I mean you are venting and making sure they meet your standards. This is because there are a lot of dysfunctional people out there. The last time you want is to a free loader. Check out Episode 15- How to split rent with roommates [https://weeklybagel.com/how-to-split-rent-with-roommates/], so you can be better prepared on drafting a good contract when it comes to splitting monthly bills.