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  • Writer's pictureHot Happy Mess

28: It’s Time to Fix Your Bad Credit — Come Rip The Bandaid Off!

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We get it, sometimes you want to dig your head in the sand to avoid the awkward (+ slightly painful) conversations about your personal finances. But, it’s time to rip the bandaid off, and fix your credit!!

In today’s episode, Zuri is opening up about how paralyzed and fearful she felt in her early 20s, when it came to paying off her debt and re-building her credit health. From her traumatic experience of having the toughest time trying to finance a new car (despite making 6 figs!) and how it was the wake-up call she needed to change her life and take control of her finances (won’t He do it?!)…


If you’re ready to change your life, stick around, because Zuri is sitting down with America’s Favorite Finacial Educator, Tiffany Aliche aka The Budgetnista -- and we’re DIVING DEEP into the credit of it all! Tiffany is breaking it down and schoolin’ us on how to Get Good With Money!

She explains wth a FICO score even is; why credit is so important; the ideal credit score you need to buy a house; how to raise your credit score WITHOUT a credit card (you will LOVE these hacks); and why we need to say HELL NO to cash advances!

courtesy of @thebudgetnista

Next, in our signature “Real Woman, Real Story” segment -- Z chats with Korbyn Lloyd who shares how she paid off $130,000 of debt in 26 months, just in time for her 30th birthday. Korbyn takes us through the budgeting hacks she learned, and why she picked up a side-hustle (while working a full-time job!).


Next, in our signature “Real Woman, Real Story” segment -- Z chats with Korbyn Lloyd who shares how she paid off $130,000 of debt in 26 months, just in time for her 30th birthday. Korbyn takes us through the budgeting hacks she learned, and why she picked up a side-hustle (while working a full-time job!).

All that sound good to you? Fantastic. Hit play and tune in, because the keys to financial freedom are within your grasp and the first thing you gotta do is leap into the mess that is your debt and begin the journey to fix your life!

Let us know your favorite part of the convo: @ZuriHall + @HotHappyMess

Share this episode with a friend, NOW!




Ellevest is an investment platform and financial literacy program primarily for women, with the goal to help close the gender money gaps

You Can Win:

  • 1-year Executive membership plan

  • Within the membership plan, you'll gain the tools you need for your money + career goals. From investing, to saving for the short term, resources on how to navigate your career, and a 50% discount to work 1:1 with a financial planner and career coach!

  • A bundled gift set from their merch collection: barrette set + tote that says: “Damn It Feels Good to Be a Go-Getter”.

We wholeheartedly believe in Ellevest’s mission to get more money into the hands of women -- and if that sounds like YOU, go ahead and enter

How To Win:

  • Follow @HotHappyMess + @ElleVest

  • Take a selfie

  • In the caption: tell us WHICH HHM podcast episode helped you find the magic in the middle of life's messes

  • It can be an AHA moment, a tangible tip you learned that helped you overcome a hurdle along your path to happiness, honestly ANYTHING we just want to see those smiling faces

  • Don’t forget to tag us + #hothappymess in order for us to see your entry (must have a PUBLIC profile)!

  • Show some love on Apple Podcasts (search Hot Happy Mess) give a 5-star rating, leave a review + tell us your fav episode from HHM so far! Make sure to put your IG handle in your review, so we know it’s you. 😉 Bonus entry: Tag 3 friends on the IG photo + tell them to listen to HHM 😆

  • The giveaway is open to the USA only + closes Tues June 22 at 11:59pm EST and the winner will be contacted via DM. 😇

courtesy of @thefinancebar




  • Free resource that allows you to check your credit and see a refreshed FICO® CreditScore every 30 days.


courtesy of @thebudgetnista


Tiffany "The Budgetnista" Aliche is America's favorite personal financial educator! Her monumental ‘Live Richer Movement’ has helped over one million women worldwide save, manage, and pay off hundreds of millions of dollars. A former teacher for ten years, with a Master's degree in Education, Tiffany was instrumental in getting The Budgetnista Law (A1414) passed in January 2019, making financial education mandatory for all middle school students in the state of New Jersey

She is the author of "Get Good with Money: Ten Simple Steps to Becoming Financially Whole." (a New York Times Bestseller), The One Week Budget, and the Live Richer Challenge series. She has also authored a children's book, Happy Birthday Mali More.

Additionally, Tiffany blogs regularly about personal finance on The Budgetnista Blog, and co-hosts a top-rated and award-winning financial podcast, Brown Ambition.

The Budgetnista and her financial advice have been featured on Good Morning America, the TODAY show, PBS, TIME, The New York Times, The Wall Street Journal, Reuters, ESSENCE Magazine, FORBES, Fox Business, MSNBC, CNN/HLN. She is also the featured financial expert for the popular daytime talk show, The Real.

Connect with Tiffany: @thebudgetnista | Podcast | Facebook | Twitter | Youtube


Korbyn Lloyd paid off $130,000 of debt in 26 months just in time for her 30th birthday. She is passionate about helping people get over financial obstacles and build generational wealth despite their past money mistakes. Korbyn co-hosts the podcast "She's Gotta Save It" with her two best friends where they discuss very real and relevant topics surrounding personal finance.

Connect with Korbyn: @shesgottasaveit | Podcast

Follow @ZuriHall and @HotHappyMess on Instagram to keep the good vibes going! :)



The HMM FB group is a safe space for our community -- it’s where can talk about our Hot Happy Mess, share tips, tricks, dish on the latest episodes, talk all things Bridgerton (or whatever show you’re currently bingeing), chat with Zuri and the ladies of the Groupchat and so much more!!!

We welcome multi-cultural, inclusive individuals who identify as female/femme/women, non-binary, trans, genderqueer, agender, or any combination of the above! – who appreciate sharing & celebrating one another experiences and learning about others’ stories + POVs (especially BIPOC + Queer).

We’re women of all races + backgrounds, united by one mission: living our lives as fully, happily & mindfully as we can.

In the HHM Crew, we value Community. Kindness. A Work Hard, Play Hard Mentality

(she likes to laugh, have fun, and maybe have one vodka shot too many after a long day of getting her AlphaBabe on).

We can't wait for you to start sharing your stories, not just with one another, but also with Z! Remember, this is a safe space, so no topic is off-limits. We just want us to have FUN! We want this space to feel like a long-distance brunch. Y'know? So grab a drink, a snack, pull up a chair, and let's all virtually hang!

Recent episodes: if ya feel like bingeing!

ICYMI: Listen to Episode 26: Make Money Moves (How to Boss Up Your Finances)

ICYMI: Listen to Episode 25: Insecures' Yvonne Orji on Why You Should Always Bet on Yourself

ICYMI: Listen to Episode 24: Imposter Syndrome (How to Fight it + OWN Your Opportunities!)

ICYMI: Listen to Episode 23: How I Made It: Zuri Hall's Career Story

ICYMI: Listen to Episode 22: I do NOT (The Divorce Episode)

ICYMI: Listen to Episode 21.5: I Bought a House (Bonus Episode)

Go back to the beginning --- ICYMI: Listen to Episode 1: How to Be Happy


Hit Us Up:

  • #AskZuri — Submit your questions for advice straight from me (advice I'd very much prefer you not hold me legally responsible for, thaaaanks) !

  • #OkDontJudgeMeBut — Submit your wildest, juiciest confession(s) to your girls (us, duh.) Just be sure to leave a code name, if you don't want us to use your real one.

  • Join as a Podcast Guest — We are committed to telling + sharing diverse stories + POVS. Real Stories, from Real Women! (And yes we want men to be a part of the conversation - they’re just not leading it, often. lol — drop a line!)


If you loved this podcast episode, you’ll also love our first episode in our Protect Your Peace Series: Episode #1: How To Be Happy

Come listen, laugh, and maybe even learn a lil something’ -- with new episodes of Hot Happy Mess dropping every Monday on the iHeartRadio App, Apple Podcasts, or wherever you get your podcasts!

PS. Leave a review on iTunes for a chance to be spotlighted in an upcoming episode of HHM!


Zuri Hall is an Emmy award-winning TV host (Access Hollywood, American Ninja Warrior) and is the executive producer & host of this millennial-focused podcast that will empower women to avoid “best life burnout” through candid conversation, expert panel discussions, and real-life, human interest stories from everyday women.

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