Jet Setter Interview – Frank of Working with Credit

 Hello there, this is your pilot speaking! (Why yes, I am calling myself a pilot.)

Today, our Jet Setter Interview is with Frank, of  Working with Credit fame.

This series covers Passengers on the Jet Setter Manifest, so we can all learn more about money from the experiences of others.

Drop me a line to be featured in an upcoming Jet Setter Interview, we would love to have you on board.

 

 

Welcome on board! Who are you?

I am rogue financier and amateur credit advisor from hell, Frank Moreau. At least the bland boring financial guru’s would probably view me that way.

I am blogger dedicated to promoting fringe finance. I make finance fun again and I put a positive face on credit management. My views are quite different from the Orman’s and Ramsey’s of the world but they will still yield success if you follow them.

Money is for buying stuff, what was the last purchase you made?

My goodness, I cannot say for sure but my favourite purchases were made recently on my trip to Ottawa. The items were gas and a restaurant meal. I was able to use my rewards card to pay for them, gain a lot of great points and not pay a cent in interest as I paid the card off in cash after usage.

Why did you buy that stuff, in particular?

Because it was a necessity but I enjoyed it because I earned 4x the rewards on my credit card for the gas purchases. I earned nearly 900 travel points on gas and 1 restaurant meal alone. It was my favourite for a very good reason…

We like airplanes around here.  When was the last time you were on an airplane and where were you going?

I have never been on a plane…true folks.

What is your current financial goal and how did it come to be your goal?

My goal is to simply make money. This may seem like a vague generic answer but it is the most truthful answer I can give you. Money = Security and the more you have the more secure you become.

There is nothing more comforting than knowing you are not at the mercy of an uncertain economy or that retirement planning will not be stressful because you do not know where the money is coming from…

Who is your favourite person in Top Gun?

Cannot say that I have one….

Many people harbour some sort of fear of flying.  What do you find the most overwhelming or scary about money?

I am not really afraid of flying; it is the things that can go wrong that frighten me. I think a similar philosophy exists around money for most people. I think a lot of people fear debt and risk without realizing these things can be minimized and used as tools.

I cannot say that I find money to be scary but a lack of money is scary. One of the sad realities is that many people are one pink slip away from financial ruin and many are one missed credit card payment away from credit counseling.

On my blog I teach people how to master their credit and debt without having to fear those things. In the future I will be addressing alternative fun ways to make money. If we take control over our financial lives there is nothing to fear…

If I was super-rich and gave you $50,000 with no strings attached, tomorrow, what would you do with it?  (I’m pretty benevolent.)

I would invest in solid index funds or a high interest guaranteed investment product. I would then use the interest to help fund my extravagant lifestyle.

Lots of things “cost peanuts,” what is a small expenditure that you just can’t live without?

My weekly Sushi meal with my lovely wife; I am blessed to have such a wonderful lady in my life and my weekly date night is a must for me.

How long have you been the pilot of your own money? Did you have a job as a teenager? Did you have a lightbulb moment at a certain point in time and take control of your finances?

My lightbulb moment happened when I started making “real” money with a high paying employer. I realized that money provided security; I grasped that it was imperative to make as much of it as possible.

When I was a teenager I had every type of job you could imagine from delivering newspapers to serving coffee to making pizza. I only wish I knew then what I know now about responsible yet fun finance. I would have used that money to better my financial situation; the folly of youth!

Pretend you have a sky-writing airplane (that can write as many words as you want.) What is the main money message that you want the world to hear?

Do not fear risk! Things like credit and debt can be used as tools to benefit your position if used responsibly. My blog gives examples of how you can have financial fun without taking massive risks.

I seek to eliminate the fear and boredom around finance and to make it fun but to keep it responsible.

 

Thanks for joining us today, Frank! You can connect with him on twitter @FrankMoreau1 and on his blog, Working with Credit.