About David Tu

David has been juggling with credit cards ever since his freshmen year days back in college. While charging everything he buys on his employee-only interest rate Bank of America credit card, he soon made the enlightening realization that credit cards can be a real double-edged sword. A decade later, David is now an expert on all things credits, and hunts for deals and discounts as a hobby during his spare time. David should probably just get a girlfriend.

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David has written 18 posts on Shrinkage Is Good

05.21.09

Five Ways to Master Your Credit Card Debt After College

David Tu

No one can argue that current economic times are tough.  But recent survey result shows that times can be tougher for fresh college graduates. According to a recent survey from the National Association of Colleges and Employers, just about 20 percent of 2009 graduates who applied for a job actually have one; accompany this with the report from Sallie Mae

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05.14.09

11 Ways to Fail Financially While in College

David Tu

Academics are not the only thing you should worry about as you grind through the horrendous prison that is college — parties, booze, spring break — oh, the horror! According to a recent study by Sallie Mae, the average college student will graduate with $4,100 worth of credit card debt, a staggering amount in addition to what they’re already owing

Comments 8

05.06.09

Credit Card Reform: Is Your Credit Card Still Sucker-Punching You?

David Tu

Left: Credit Card Companies. Right: You. Is your credit card still giving you the occasional surprising right-hook? A couple of months ago, the Federal Reserve Board, the Office of Thrift Supervision and the National Credit Union passed a credit cardholders “Bill of Rights” that’s aimed to further protect you from unfair practices by credit card companies. These rules are expected

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02.03.09

Recession Savings? Think Twice Before You Cut Cost to These Five Budgets

David Tu

Recently, a technology junkie friend of mine canceled his high speed broadband cable Internet service, in favor for a lower speed but much cheaper DSL service (this is from someone who downloads gigs of everything-online daily). Figuring he’s on a cost cutting binge, I told him to try out BillShrink to see if he can also potentially lower his monthly

Comments 3

01.27.09

Top 5 Ways to Immediately Protect Yourself from Identity Theft

David Tu

A long time ago in a galaxy far away, I was a victim of identity theft. At first, I thought it was a poorly constructed joke by family members (haha, we got you sucka!), but the situation turned out to be real enough and the identity theft became a real hassle to resolve. Though I have taken certain precautions during

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01.18.09

Around the Blogsphere – 1/18/09

David Tu

Every week, BillShrink Guy will take a stroll around the personal finance blogsphere and beyond (when he’s feeling adventurous), highlighting some goodies for your convenience, entertainment, and acceptance. 50 Ways to Budget Travel and Save Money on Vacations – [Money Ning] Money Ning shares with everyone tips on budgeting and saving money for travel. From airfares, eating, car rental, currency,

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01.16.09

Manage Your Accounts Online and Make Life Easier

David Tu

When BillShrink Guy discovered the World Wide Web, he was both in awe and in love — more reasons to not leave the house and continue to refer himself in third person? Super sweet. As the web continues to grow, services that used to require a visit to the branch or a phone call to a customer service representative are

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