Monthly Archives

January 2015


My Ultimate Guide to Understanding and Improving Your Credit Score (5,000 words)

Ultimate Guide to Understanding Your Credit Score

This is a 5,000+ word guide on how to become a master of all things credit and credit scoring.

Yup, you read that right. 5,000+ words.

I am not a big fan of using 5,000 words when 500 will do, but a topic this important demands a thorough write up.


First, because your credit score is a vital part of your financial health, and therefore your overall well-being.

Bad credit = more stress, more frustration, and more money needed to buy things like houses and cars. (Read: less freedom)

And secondly, because 90% of the things that you read and hear about credit scores are completely false.

Everybody thinks they understand credit scores when in truth, less than 10% of these people have any idea what they’re talking about. (10% figure based on my own experiences. Scientific accuracy be damned)

Today you become a part of that educated minority.

Over the next 5,000+ words you’ll learn everything you’ll ever need to know about credit and credit scoring.

Go ahead and bookmark this page because you’ll probably want to refer back to it a time or two.

At the very least it will help you diffuse your friend/roommate/coworker/neighbor who keeps telling you that credit cards are evil and to be avoided at all costs. (Face palm)

Ready? Let’s get started.

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2015: I’m Going to Help You Learn to Be Free

2014 was a year of excitement and change for GFF.

How much change?

Well, one year ago my website looked like this.

The Old GFF Site


I was one step short of becoming one of those “Airlines HATE him! Try this one neat trick to save MILLIONS!” websites.

And I wondered why my friends thought I was crazy……. Continue Reading


How to Use Hidden City Ticketing to Save Money on Airfare

While skimming news headlines last week I came across an article titled “United Airlines sues 22-year-old who found method for buying cheaper plane tickets”.

Being a 20 something-year-old who helps people learn methods for buying cheaper plane tickets, I was naturally a little concerned.

Apparently a lot of you were as well, as I received more than a dozen emails about it.

A quick peruse of the article confirmed my suspicions that one of the major airlines had finally decided to sue the creator of, a website that helps travelers find cheaper flights by using a strategy called “hidden city ticketing”.


Let’s walk through an example to show you how this works.

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