whatthehedwig

[whatthehedwig]

im very grateful for the lessons in photography i was taught in stop motion class because just now they made it possible to photograph the stars with my phone in spite of the camera usually not detecting the light of stars because theyre so dim,,,, enjoy these shiny motherfuckers

[whatthehedwig]

Make-Ahead Freezer Breakfast Sandwiches

Follow for recipes

Is this how you roll?

[whatthehedwig]

How to Zookeep: Job Interview Basics

So I was tagged by @why-animals-do-the-thing in a post about what not to say in a job interview. It’s a bit overdue, but I figured this was a good opportunity to continue some of “How to Zookeep” and give y’all some insight on interviews. I’ve actually conducted quite a lot of interviews for an entry-level position. Here are just a few Do’s and Don’ts…

General Maybe Do’s:

Wear an outfit that looks pretty nice, but don’t go too formal. You should be able to get muddy or hop a fence - just in case. Most of the time you’ll know if it’s a true working interview, but some interviews will involve a tour, meeting an animal, or other situations where you might get messy.

Show that you’ve researched the facility and the position. This is especially true for phone interviews or if you’re not from the area. If you’ve ever visited the facility, mention that. Mention specific parts of the job description and why you’re interested or why you would excel at it. I know I always make a good note if candidates reference something on our website or from the job description because it lets me know they’ve done their homework. (One time a candidate quoted something verbatim and it was a little jarring only because I wrote that part of the website and it was strange to hear someone quote me).

If at all possible, have specific examples from your past experiences that you can talk about. These could be examples of training, working well with others, strengths & weaknesses, general animal care, etc. Try to be able to tell a story about when you worked around a training difficulty or resolved an issue with a coworker. And yes, have a real answer for “strengths and weaknesses”.

Try to use the most ‘updated’ zoo language you can. Zoo terminology changes so fast it’s hard to keep up. Try to use some of the research (website and job description) to see what kind of language this particular facility uses and attempt to mirror it. Examples are “in human care” instead of captivity or “habitat / enclosure” instead of cage/exhibit. It’s just a bonus way to make a good impression.

General Maybe Don’ts:

Don’t get political. This is what @why-animals-do-the-thing was asked about - mentioning animal rights activist groups in the interview. Unless you are completely sure that it is specifically relevant to the position try not to get into any heavy areas of debate, any controversial news stories (think Harambe), or politically charged organizations like PETA, HSUS, etc. And even though you might think that everyone in the zoo world agrees that US politics are terrible for zoos/the environment or something along those lines, a job interview is not the time to mention it.

Don’t ask for tips about a specific facility on a public forum. It’s important to do research, but this one crosses a bit of a professional line. I would advise against going on any public forum (like the facebook groups You Know You’re a Zookeeper When and Zookreepers) and asking for interview advice about a certain facility. Most people won’t want to comment publicly about their facility as it can be seen as unprofessional and a lot of their coworkers will see it. Most of the time the research you need can be done on the website and with some googling, but if you feel you just need to talk to someone who works there, try flexing your networking muscle a bit.

Don’t say you love animals. This sounds contradictory but hear me out here - this job is about much more than loving animals. A lot of interviewers are used to hearing this answer or seeing it in cover letters of people who think that liking animals is all you have to do for a job. Yes, you love animals, we know that. But what do you love about working with them? Do you like enrichment, exhibit design, training? What do you love about the career of zookeeper / aquarist / etc? It’s important to go beyond the surface of just wanting to be around animals and go into the details of how you will improve their lives when you literally have their lives in your hands. I’ve heard from a lot of interviewers that they’re tired of hearing about ‘passion’, they want to hear about action. They want to hear about cleaning, hard work, the real nitty-gritty of the job. This don’t also leads to a general tip (what if you don’t have examples of what you like yet?)

General Tips

Here’s a common problem: you’re applying for your first entry-level position and you don’t have any animal experience yet. What do you talk about? Here’s some ideas:

Academic research or fieldwork - did you go on birding trips? Did you do mist-netting? Have you worked in a lab that uses live animals? Those things can be beginner animal experience.

Volunteering - zoos, vet clinics, etc.

Formal domestic animal experience - even if it’s not with exotic animals, the basics of caring for small domestics (cats, dogs, rodents, fish, etc.) in a formal setting (vet, pet store, rescue) has some aspects that apply in zoos, such as restraint and medical care.

Personal pets (very carefully) - It’s not that personal pet experience isn’t helpful when you’re just starting out, but sometimes newer keepers come in with an idea that their pet experience is on the same level as caring for animals in a formal career setting. It is not. Caring for your own animal in your own home is VERY different from caring for it in a zoo, aquarium, vet’s office, etc. In a formal setting, there are legal guidelines to follow, teams of people to communicate with about animal care, and lots of formality/red tape that doesn’t exist in a home setting. Pets can be useful as examples in interviews if it is relevant (medicating, enrichment, restraint) but they are almost never seen as an actual qualification. Side note, please don’t list personal pet care on a resume. 

Overall in an interview, you want to try to be as collected and confident as possible. BUT if you get nervous and you’re really struggling, just tell us! It’s better to just laugh a bit and say sorry, I’m nervous, than to completely freeze up. I have done plenty of interviews where the person is nervous and that’s okay. I’ve hired people who were nervous or misspoke in their interview.

If you have any other questions, feel free to drop me a line. I’ve interviewed and hired people for just three years now, so I may not be particularly seasoned, but I can lend a little of my expertise.

[whatthehedwig]

[whatthehedwig]

Hey bitches. I see a lot of financial advisors say things like real estate investment is the only path to financial independence, but this doesn't seem right to me. Do you know other ways!

Those motherfuckers are trying to sell you something, rosebud. And you’re right to not buy it!

Look, there are multiple ways to achieve financial independence. Mathematically speaking, it’s about increasing the Pacman-mouth-shaped separation between your income and expenses as much as possible. The less money you NEED to live on, the less you’ll be dependent on the dollars you bring in, thus allowing you to use them to make more dollars. That’s it. That’s the secret. How you go about lessening your expenses and increasing your income is where the strategies divide.

One of those strategies is generating passive income. Passive income is money you don’t have to work for: profits from rental properties, to use the example you’ve heard financial advisors tout. But you can also invest in any number of other passive income generating vehicles like the stock market, person-to-person loans, etc.

Focus on living as frugally as you can and increasing your income (both passive and active) as much as possible and you’ll be on your way, rosebud.

Should You Increase Your Salary or Decrease Your Spending?

[whatthehedwig]

Hi, My fiancé and I are looking at getting legally married. We are both trans men, and he is independent enough to handle it if he gets cut off from his family, at this point they probably will be somewhat accepting. My parents keep telling me that we won’t have health insurance, but we are 22 and 23 respectively and I was pretty sure that we stayed on our parents health insurances respectively. I’ve been so confused on how to find better info on this.

Parents have the option of allowing their children to stay on their health insurance until the age of twenty five. However, insurance companies tack on fees for anyone who is living under a different roof than the main plan holder, and these fees are expensive. For my parents it was $200 on top of the regular monthly insurance premium. 

In your specific case, your parents are absolutely right. If you were married, even if you lived under the same roof as your parents, you still wouldn’t qualify to be on their insurance plan, because you would no longer be classified as part of that household. You and your SO will become your own household and will be eligible for insurance premiums based on your combined household income. At that point you would need to apply for insurance together.

I live in New York, and thank goodness I do, because the New York State of Health is a literal lifesaver. They provide state sponsored grants (essentially discounted insurance) based off of income. I qualify for Medicaid (under $17,000 a year) as of now, and my fiance who makes close to three times what I make, was still able to get discounted insurance even though he makes close to $3,500 a month.  If you live in New York, you can reach out to New York State of Health and complete an application with them over the phone to see what you qualify for. So easy, and representatives are super helpful and will explain anything to you if asked. They can also give you recommendations on which plans are best for you and explain basic insurance terms to you. 

Don’t live in a state that has a state of health? Other options include contacting your current insurance company and asking them what your options are. Calling and asking questions (even this early when you’re still fully covered by your parent’s insurance) will not disqualify you from your current plan, it’s 100% okay to call and ask questions. They definitely won’t be able to tell you what you specifically qualify for as a household because you’re not married yet, but they could give you ballpark figures. Remember that insurance has sliding scales, so if you’re young and relatively healthy, you can probably choose a cheaper monthly rate with a higher deductible. Because you both are trans, you may need to choose an insurance with a higher monthly premium and lower deductible, because you’d likely be using the insurance more to pay for medication. LOTS of jobs also offer insurance coverage and discounted rates, so it all depends on where you live and what job you have. Some colleges also offer insurance.

BUT!

It’s a bit early in the game to be worrying about this sort of stuff. I love that you’re trying to prepare yourself, but this is something you can only do so much to prepare for. You’re not going to know what the amount of money you’d be paying is until you’re actually married. And by that time hopefully we’ll have a better president and ACA or something equivalent like that will be available again. So hold off panicking! I have to go through this process when I get married in September, and I’m happy to document what I have to do to get insurance for my household.

As of now, get as many medical related expenses covered while you’re still on your parent’s insurance. See as many doctors as possible. Get procedures done that you’ve been putting off if you have the time to! My fiance was able to get four cavities filled in one month before losing his parent’s insurance. Especially go to the eye doctor and/or dentist as often as you can, because most insurance plans do not cover eye doctors and dentists. You usually have to pay extra for coverage, and I’ve had terrible experiences with dentists that were covered on my insurance. I now pay out of pocket because I’ve found a dentist that I like.

[whatthehedwig]

Some words to use when writing things:

winking

clenching

pulsing

fluttering

contracting

twitching

sucking

quivering

pulsating

throbbing

beating

thumping

thudding

pounding

humming

palpitate

vibrate

grinding

crushing

hammering

lashing

knocking

driving

thrusting

pushing

force

injecting

filling

dilate

stretching

lingering

expanding

bouncing

reaming

elongate

enlarge

unfolding

yielding

sternly

firmly

tightly 

harshly

thoroughly

consistently

precision

accuracy

carefully

demanding

strictly

restriction

meticulously

scrupulously

rigorously

rim

edge

lip

circle

band

encircling

enclosing

surrounding

piercing

curl

lock

twist

coil

spiral

whorl

dip

wet

soak

madly

wildly

noisily

rowdily

rambunctiously

decadent

degenerate

immoral

indulgent

accept

take

invite

nook

indentation

niche

depression

indent

depress

delay

tossing

writhing

flailing

squirming

rolling

wriggling

wiggling

thrashing

struggling

grappling

striving

straining

[whatthehedwig]

some basic financial advice: if you got your savings account in your local hometown bank and they got a website from 2006 and give you 0.04% interest because your mom signed you up when you were 12 and you never bothered to change it, you got to open up a new account. there’s several legitimate (mostly online as opposed to brick and mortar) banks that give 2%+. so if you had $1,000 in your account (which no one on tumblr has of course but bear with me) then you could get a free 20 bucks a year as opposed to like a quarter

[whatthehedwig]

Delicious mixed rice recipe.

For this recipe, you’ll need:

1 cup Rice

2 eggs

1 Green onion

Half cup soy sauce

¼ cup cooking sake

¼ cup chopped ginger

Olive oil

¼ cup onion

Cook the rice in 1 cup water. Set aside for now.

Heat up 2 tbsp of olive oil in a frying pan.

Throw in the onions, and sauté them until they are transparent.

Throw in the ginger, and mix it with the onions.

Take the two eggs and scramble them. Cook until done.

Take the rice and dump it in, mix the egg, onion and ginger.

Take the soy and sake, and pour it in.

Allow the soy and sake to cook and caramelize.

Cool, serve, and enjoy!

[whatthehedwig]

Just read yalls boss grocery shopping article and I was wondering of you have tips on bagging your own groceries cuz I never seem to get it just right. Also I wanted to add that as a ridiculously picky eater due to sensory issues whenever I buy something new that I haven't had before/made myself I always buy single serve/not bulk because if I don't like it then I just have a bunch of food that isn't going to get eaten and if I do like it then I can just buy bulk next time

Oh hunny bunny I have MANY thoughts on bagging groceries:

Use your own sturdy reusable bags.

Bag by type. All the fruit and vegetables go together, the dry goods go together, the dairy goes together, etc.

Dedicate a specific bag for meat if you’re a meat eater. You don’t want any meat juices leaking onto your other groceries. My meat bag is red because color coding makes me happy.

Spread heavy stuff across multiple bags. Milk, juice, oil, flour… all weigh a lot and could rip the bag if you pack them all together. Plus, no one wants to lug a single heavy bag home.

Pack delicate things on TOP of bags of other stuff. This means saving loaves of bread, eggs, noodles until last to pack on top of full bags.

Don’t over-stuff bags. Bring more bags than you think you’ll need so you’ll have plenty of room to spread stuff out. It’s a lot easier to carry multiple half-full bags than one full-to-bursting bag.

If you’re at a store with baggers, politely tell them, “I’ll bag for myself, thanks!” They’ll find someone else to help, or they’ll appreciate the break. You could also ask them to lift the bags into your cart after you personally pack the bags. The point is they’re people and you need to politely and verbally tell them what you need.

Wash your reusable bags from time to time. Just through them in with your other laundry.

When buying vegetables, you almost never need those clear plastic baggies on the rolls in the vegetable section. Your bell peppers and apples won’t be hurt by going without, and your other groceries won’t be hurt if they get wet from your lettuce. Skip the extra plastic if you can.

If you’re riding your bike between the grocery store and home, TIE THE BAGS CLOSED when you load them onto your bike. I learned this the hard way.

If you’re walking between the grocery store and home, plan to make multiple trips. You’re kind of screwed if you can’t carry it all at once.

How to Shop for Groceries like a Boss

[whatthehedwig]

[whatthehedwig]

Hi! I'm requesting a quick status update on an ask I sent about a week ago regarding types of bedding to invest in. Wanted to know if the ask was actually lost or if it was received and being drafted. Thanks! :)

Don’t think we got that one.

I’d suggest high quality, 300+ threadcount cotton sheets. They really do feel amazing and get softer with time. Getting a comforter/duvet that’s washable will save you in the long run, especially if you eat in your room or have a pet. A good foam mattress topper can save a crummy mattress.

I got one of those popular Caspar brand beds, but I got the cheapest kind, the kind you can get at Target. It’s been working for me so far!– Mimi

[whatthehedwig]

Do you have any tips on what questions to ask when touring colleges/visiting college fairs? I'm trying to make a list so I'm as well prepared as possible thank you :)

I’ll stick to the questions that’ll affect your finances the most:

Can you tell me about the college’s work study program? There a number of on-campus jobs that’ll either pay you cold, hard cash or give you a discount on your housing, tuition, or meal plan. If you can’t get a more lucrative job off-campus, you might want to see if you’re eligible for these jobs.

Can you tell me about the school’s career center? You want your school to have a robust career center with a solid track record for getting students internships and jobs. You want to know they have a strong alumni network of enthusiastic alums who will mentor you and give you a leg up in your job search. Don’t let them hand you a diploma and kick you out the door—these motherfuckers owe you job placement!

Does the dining hall make food to go? Sometimes you just don’t have time to sit in the DH and eat a meal. Sometimes your class schedule doesn’t line up with DH hours. It’s handy to grab a sandwich to go when you know you’ll need it in a couple hours when you won’t have time to go get it.

Does the dining hall have a no-backpacks rule? The no-backpacks rule will prevent you from filling water bottles with orange juice or milk and smuggling out stuff to snack on throughout the day. I basically went grocery shopping in my DH to fill my bag with fruit and bagels. Nobody else ate the fruit and it regularly go thrown out.

What are the library’s hours? Your library should be open all the fucking time. You can save a fuck-ton on textbooks by using the library instead of buying them, but that only works if they’re open when you need to use the books.

Does the school have a free shuttle around town? My college had a shuttle between sides of the campus, which was ostensibly for safety crossing the park after dark. But it also saved me a lot of time when I was trying to get places. And time is money. Also, a free campus shuttle is cheaper than a taxi/Lyft.

Is it safe to lock up my bike on campus or do bikes get stolen often? I had the shittiest shittastic bike in college. It never got stolen because it was so shitty. All my friends with nice bikes got them stolen CONSTANTLY. Granted, it was an urban campus, but getting your bike stolen will definitely set you back.

Do the dormitories have full kitchens? Even if you have a meal plan, being able to cook for yourself in your dorm will save you tons. My dorm had a stove top in the common room, but no oven. It was good enough for me!

What We Talk About When We Talk About Student Loans 

High School Students Have No Way of Knowing What Career to Choose. Why Do We Make Them Do It Anyway?

The Actually Helpful, Nuanced, Non-Bullshit Way to Choose a Future Career  

[whatthehedwig]

Hi Bitches! Do you have any advice on getting car repairs? I've got an older model car (like 20 years old by now) but I have no mechanical know how and I just replaced the spark plugs around a month ago, but my check engine light just came on again. Unfortunately, the last repairs wiped my (addmitedly small) emergency fund, so I really can't afford to spend much on repairs atm, so do you have any tips on avoiding getting ripped off by a mechanic or how to find a good one? Thanks for your time!

Hey boo! I’m a big fan of DIY car repairs. My usual move is to go straight to a car parts shop (like Autozone or O’Reilly’s) and get some advice for what I need. A lot of times all it takes is the right part and a YouTube video to avoid going to the mechanic.

To that end, I recommend you check out Jessica Chou’s YouTube channel! She does tutorials on everything from buying a used car to changing the oil to making simple repairs. Also she’s a brilliant woman of color and she’s funny and charming and you should support her.

SIDE NOTE: If you’re not confident in you ability to follow YouTube advice for your car repairs, don’t risk it. You could end up fucking shit up in your vehicle and making it more expensive to fix.

[whatthehedwig]

How I Went From Academic Probation to the Dean’s List in One Semester

Introduction

So if you haven’t read it and want to understand the full story, I recommend reading this post right here (x) Long story short, while yes, I did have very poor physical and mental health that contributed to my academic probation, I also could have been more organized and overall a better student, and maybe I would have not had the best grades - but still maintained “good standing.” My first two semesters were rough. Then I took two semesters off. When I came back this semester, I was determined to succeed and essentially, I learned how to be the best college student I could be. Albeit, this was also after I regained control over my health. Nonetheless, let’s get into it!

I took some time off from school 

First of all, what helped me the most was taking two semesters off. I won’t lie to any of you. I took this time to see pain management doctors, receive treatment for my 6 bulged discs that contributed to my chronic pain, I was diagnosed with an autoimmune disease and re-learned how to live my life, I got my anxiety disorder under control, and I worked 40+ hours a week serving and bartending to become more financially independent - which helped my anxiety. During this time I also learned to be honest with my support system (advisors, close friends, and family), which also contributed to my success this semester.

I forced myself to use a planner religiously (for about a month) until it became an unbreakable habit

I forced myself to use a planner religiously (about a month) until it became an unbreakable habit. Planners are the biggest tool when becoming more organized. During syllabus week, I took my dad’s advice and wrote down every due date, even if it was TBA. This allowed me to be “ahead of the curve.” I am not taken by surprise by any assignments now. 

Using my planner, I create artificial due dates for myself that are a day or two before the actual, posted due date. This ensures that my assignments are turned in early, or if something goes wrong in submitting them (if online) then I can make my professor/instructor aware of the issue beforehand so that something can be done. Write: “Have X turned in by today!” 

Do your best to also not only stay “on top of” assignments, but also ahead of them. It is better to work ahead and have nothing to do (or due) for the remainder of the week than to be overwhelmed by copious amounts of work and studying.

I took pride in my work

I took pride in my work/notes, and set out to create work/notes that would impress peers (if they saw my work) or impress my professor upon grading my assignments. I specifically set out to “wow” people with what I was creating. This lead me to the studyblr community specifically with my notes.

I emailed my professors literally all the time

I emailed my professors consistently. Even if I had a question that could have waited until the next class - I emailed my professors. They were able to learn my names, and my grades are awesome because of it.

I participated in class 

I participated in class. Not only do I sit in the front of the class because I can’t see (ya girl isn’t good about wearing her glasses) but I also do this because professors “teach to the T” This basically means that professors teach mostly to students who sit in the front row, and students that sit down the aisles. So imagine a classroom, and imagine which desks would make a T-shape. That’s where you want to sit. I also make sure to contribute to class discussions. When you sit up front, you are less inclined to be on your phone or doing miscellaneous things on your laptop. Your eyes will be drawn to your professor, you will feel more compelled to answer their questions, and you will pay better attention. With this being said, I was always the student that had to sit in front because I can’t see, but I was also always the teacher’s pet.

I purchased cool/cute study supplies that made me want to study

Buy materials that make you want to take notes with them. I really like Five Star notebooks. I also really like taking notes with Crayola SuperTips. Create notes that are easy for you to review later. 

Which brings me to my next tip: actually review those notes later. 

Tried and true study apps like Quizlet saved my semester

I utilize study-apps like Quizlet. I know that there are many out there; however, I prefer the tried and true method of good ole Quizlet.

Pay your advisor a visit. They do not judge you!

I make appointments to see my advisors regularly. Advisors can help you if anything begins to go awry. I also made an appointment with the same advisors, so that I didn’t have to re-explain my situation. They never judged me. They can provide you with materials and resources for any issue you’re having. I am always blown away every time I meet with my advisors because they know their jobs so well. 

I sat my butt down and did my work

I didn’t exactly “time block” study time because that doesn’t really work for me. However, when I had time after work or whenever - I sat down at my desk and made time for assignments. I highly recommend the Pomodoro Technique. You set a timer for 15-25 minutes, focus on your work during that time, and then take a 5-10 minute break before continuing. Usually, you will find that you either just want to go ahead and finish up or that you definitely needed a break. 

I created a study space that I love. It is really miscellaneous and not at all what you see on the majority of studyblrs, but it works for me. I love my desk! 

Buy some expos and a white board in addition to using your planner

I use a white board in addition to my planner to write down upcoming dates for the next week/entire month. I use a different color for each class as well as miscellaneous things I need to get done. When I have completed something, I just erase it. 

Treat yo self

I congratulated myself for little victories. 96 on a test? Ice cream for you tonight, babes. 

Figure yourself out as a scholar

I learned how and where I studied best. My two spots are in the library or at my desk in my room. I also seem to study best with someone else around me, like when my boyfriend is playing his video games - that is the perfect time for me to study. Do you study best with zero distractions, or do you like to work with some music on? Do you like background noise from the TV or completely silent? Are you a night owl or a morning bird? Figure out those things first. You can’t force yourself to study at a time when it doesn’t work for you. For example, I am a night owl so I know that evening - night is the best time for me to get to work. 

I learned what ritual worked best for me. Having a cup of coffee while I do my make up, and then ensuring that I was out at the bus stop at least 5 minutes before the bus was scheduled to come, and making sure that I got on the bus that came no later than 30 minutes before my class. Know your routine. What routine works for you? 

The obvious

Go to class. Easiest one. Attendance policies can be brutal. Get to know yours. Sometimes professors also say things in class that gives those who attended the upper hand in some way. 

I started this studyblr! Knowing I wanted to create content here kept me driven to take notes when I didn’t always want to. 

I was honest with myself 

I was honest with myself for my short comings. AP classes in high school were beneficial in many ways, but they really taught me how to underachieve my way to success. I hardly ever studied for anything and bs’ed so many essays, but it worked and I got really good grades. That doesn’t really work in college. 

Non-curriculum based 

I learned to say no. 

I learned to cut people who did not fully support me out of my life. 

I cleaned my apartment and room every weekend. It’s much easier to study when everything is clean.

I made time to go to the grocery store every week. It’s much easier to learn and function when you are well fed. 

I did my best to get some sleep. Your brain needs rest to function its best.

I know it hurts, but check those grades frequently. It isn’t like a credit score, it won’t lower every time you check it

I checked all of my grades at least once a week. I know it can be anxiety-inducing, but you have to know where you are in your classes, especially when April rolls around and you might realize you need to put in a little more work.

I became a point whore

I became a point whore. I took advantage of every extra credit opportunity. Every single one. 

The golden rule

I made up a golden rule: Do not cram for any exam. To do this, I always started studying once my professor mentioned the test OUTSIDE of the syllabus. If you have dropped the ball and the test is a week out - create a study plan. 

Believe in yourself

Lastly, I believed in myself. You cannot do this if you do not believe that you can.

Remember that you can do anything you set your mind to. Start shouldering the burden now by forging good habits. Be honest with yourself. Lastly - dreams don’t work unless you do. I had a lot going on with my health that lead to my grades being terri - yeah they were terrible. But I still was honest about my shortcomings. 

Happy studying, realistic students!

[whatthehedwig]

It’s real money!

[whatthehedwig]

YOU DO NOT NEED A CREDIT CARD TO BUILD CREDIT.

YOU DO NOT NEED A CREDIT CARD TO BUILD CREDIT. 

YOU DO NOT NEED A CREDIT CARD TO BUILD CREDIT. 

YOU DO NOT NEED A CREDIT CARD TO BUILD CREDIT. 

YOU DO NOT NEED A CREDIT CARD TO BUILD CREDIT. 

Here’s how credit actually works.