don't read this post

JC Rodriguez
February 29, 2024

Just kidding! Thanks for reading guys. Maybe that reverse psychology worked?

DEFINITION
What’s a Credit Score?

A credit score is like a grade for how good you are at paying back money you borrow. If your score is high, like 800 or more, it means you're really good at repaying debt. But if it's low, like 579 or less, it's harder to borrow money because lenders might worry you won't pay them back.

Vet Seller - Look at their posting and their profile to see if this is a personal item they own; or if it’s amongst a BUNCH of that item they sell because they’re a business. Typically it’s good to buy from people who are the true owners of the item. It’s even better if they’re the ONLY owner of that item.
Have a conversation with them. Ask why they’re selling it; how long they’ve had it; where did they get it from. You will also be able to tell in this conversation if they actually took good care of it, or if it was something they just threw around and didn’t take good care of. Overall, here’s where you vibe check.
Tell them your budget (lower than their selling). This is the start of negotiating. Usually I’ll say “My budget for a [new phone] is $650, if you can work with that I would be happy to pick up as soon as today!”
Make it convenient for them. Notice how I didn’t just ask for a lower price, but I paired it with something that would be appealing to them. “I would be happy to pick up as soon as today!” FB sellers just want to get rid of that item as soon as possible; so if you can make it easier for them, they’ll be more likely to take your lower price.
FINAL STEPS IN TOMORROWS NEWSLETTER (I promised you these emails would be short).

Reply to this email with any personal finance question you have, or share with me any wins in your life! (I’ll respond to your questions anonymously in future emails)