# Financeography: Personal Finance Tips from Someone Who Paid Off $34k in Debt

> Real personal finance advice from Aarav Menon, who paid off $34,000 in debt on a $52k salary\. Practical tips on budgeting, investing, debt payoff, and building wealth \- no fluff, just what actually works\.

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## Pages
- [Privacy Policy](https://www.financeography.com/privacy-policy/): FinanceOGraphy privacy policy \- what information we collect and how we use it\.
- [Disclaimer](https://www.financeography.com/disclaimer/): FinanceOGraphy disclaimer \- this is not financial advice\. Consult professionals for your specific situation\.
- [Home](https://www.financeography.com/)
- [Contact](https://www.financeography.com/contact/)
- [Start Here](https://www.financeography.com/start-here/)

## Posts
- [How to Ask for a Raise \(The Exact Script I Used to Get 18%\)](https://www.financeography.com/how-to-ask-for-a-raise/): I was terrified to ask for a raise\. Then I got 18% by saying the right things\. Here's the exact script and what I did wrong the first time\.
- [The Piggy Bank Hack That Saved My Car Insurance \(And My Sanity\)](https://www.financeography.com/sinking-funds-changed-everything/): How setting up simple sinking funds transformed my relationship with money and ended the cycle of credit card scrambling every time a big bill came due\.
- [Budgeting When Your Paycheck Changes Every Month \(A Freelancer's Guide\)](https://www.financeography.com/irregular-income-budgeting/): A practical guide to budgeting with irregular freelance or gig income, including the buffer system that finally made variable paychecks manageable for me\.
- [The HSA Is Secretly the Best Retirement Account \(Wait, What?\)](https://www.financeography.com/hsa-retirement-account-secret/): Why Health Savings Accounts might be the most powerful tax\-advantaged account available, and how I use mine as a stealth retirement fund\.
- [Starting From Nothing: How I Built My Credit Score From Scratch](https://www.financeography.com/building-credit-from-zero/): My journey from no credit history to a 750\+ score, including the specific steps, timeline, and mistakes I made building credit as someone starting from nothing\.

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## Categories
- [Budgeting \& Saving](https://www.financeography.com/category/budgeting/)
- [Investing \& Retirement](https://www.financeography.com/category/investing/)
- [Debt Management \& Credit](https://www.financeography.com/category/debt-management/)
- [Making Money](https://www.financeography.com/category/making-money/)
- [Retirement](https://www.financeography.com/category/retirement/)

## Tags
- [personal finance](https://www.financeography.com/tag/personal-finance/)
- [savings](https://www.financeography.com/tag/savings/)
- [debt payoff](https://www.financeography.com/tag/debt-payoff/)
- [budgeting](https://www.financeography.com/tag/budgeting/)
- [credit score](https://www.financeography.com/tag/credit-score/)

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