Welcome! My name is Beverly Harzog. I’m a nationally-recognized credit card expert, consumer advocate, debt coach, speaker, and an award-winning author.
My book about my decade of unbridled spending, Confessions of a Credit Junkie, is an Amazon #1 Best Seller in three categories: Personal Money Management, Budgeting, and Finance. Over a 10-year span, I amassed over $20,000 in credit card debt. The good news? I paid it off in two years. In Credit Junkie, you’ll learn how to reap the rewards of credit cards while avoiding debt.
But if you’re already in debt, I’ve got you covered. In my most recent book, The Debt Escape Plan: How to Free Yourself From Credit Card Balances, Boost Your Credit Score, and Live Debt-Free, I show you how to get out of debt with as little pain as possible. If you need direction and support while you pay off your debt, I offer one-on-one coaching to help you create your own escape plan.
My Message to Consumers
My mission in life is to help you stay out of credit trouble. But if you’re already having a credit card crisis and you have debt, I’m here to help you break free from it.
You can get true insider advice for from my blog and from my books. If you need more in-depth advice you can make an appointment for a phone consultation. It’s easy to sign up for an advice session and my rates are affordable.
If you’re new to credit or need to rebuild your credit history, you’re in the right place. I have the most comprehensive and unbiased secured credit card list on the Internet. Yes, I’m the Secured Credit Card Queen of the Internet.
Note that I said my reviews are “unbiased”? If you apply for a secured card that I’ve reviewed, I don’t accept a referral fee if you’re approved. If I accepted referral fees, I wouldn’t be allowed to speak my mind. I know this because I tried it and a few issuers were not happy with things that I said! That was a deal breaker for me. So with my reviews, you can be confident that you’re getting a neurotically thorough—and sometimes, entertainingly snarky—review.
If you can’t get approved for an unsecured credit card, check out this list: The Best (and Worst) Secured Credit Cards. I have generous and totally awesome readers and some of the card reviews have hundreds of comments and cardholder insights.
Besides card reviews, I also write about how to boost your credit score and how to get out of credit card debt. This year, I’ll also be offering debt coaching and online courses and they will be available soon.
To subscribe to my blog, check out the “Subscribe” box that’s up above and to the right side of this page (just above the “Search this site” box). Your wallet and your credit score will thank you!
Finally, Some Personal Stuff
I’m a recovering CPA and I spent a decade in cubicle hell. I escaped to become a finance journalist so I could help others avoid my truly dumb credit mistakes.
I’m a native of Atlanta (there are maybe five of us), but I spent two years in Connecticut. There, I earned an MBA from the University of New Haven in Connecticut. I also spent two years in a doctoral program at the University of Georgia studying speech communication. Just in case it isn’t clear, I love education and I have had an overdose of it!
I live with my husband and Marshall, an emotionally-needy Maltese, in Johns Creek, Georgia, a northeastern suburb of Atlanta. I have two grown kids. My daughter is married to a wonderful guy and is the Resident Coordinator at Millikin University in Illinois.
My son is working on a history degree at Georgia State University. He doesn’t live with me any longer, but I do get to see him on weekends when he runs out of food in his apartment.
Believe it or not, I do relax every day. I’m an exercise junkie and I love to listen to music, especially classic rock. I’m a lifelong Atlanta Braves fan, but if the Braves aren’t on, I’ll literally watch any baseball game that’s on the air.
You know what? I’m happiest when I can combine all three. So I often enjoy listening to loud music, watching the MLB Network to catch baseball news or a game, and jogging on my treadmill. Yes, it’s a lot at one time, but I haven’t fallen off my treadmill yet.
Can I help you with anything else?