Welcome to the Survival Zone: Life 101, Ridley Spencer Style!
Whether you’re diving into college life, tackling your first budget, or trying to decode what a credit score even is, Ridley Spencer has your back (and your adulting anxiety). With three laugh-out-loud, real-talk guides—“Congrats, You’re In (Now What?)”, “Adulting with a Budget,” and “Adulting with a Credit Score”—you’ll get the essential life skills no one remembered to teach you.
From surviving awkward roommate encounters to stretching your grocery budget without surviving only on instant noodles, to building credit without sacrificing your soul—these books deliver the hacks, humor, and honesty you need to feel a little less “what am I doing?” and a lot more “I’ve got this.”
No boring lectures. No judgment. Just brutally honest, occasionally sarcastic, and always helpful advice for anyone trying to figure out life after high school (or during it). Welcome to adulthood—you’ll laugh, you’ll learn, and you might finally stop panic-Googling everything.
Welcome to college. You’ve made it through high school, survived the SATs, and possibly Googled “what is FAFSA” more times than you’d like to admit. Now you’re heading off to a land of dorm rooms, cafeteria roulette, and people who think 8 a.m. classes are acceptable. Spoiler: they’re not. Whether you’re excited, terrified, or just in it for the free T-shirts, this book is your crash course in surviving college life with your sanity (mostly) intact.
This isn’t one of those boring, serious guides full of charts, bullet points, and stern advice about “getting enough fiber.” Nope. This is the real guide—the one that tells you how to avoid doing laundry until absolutely necessary, how to decode cafeteria “chicken,” and how not to accidentally join a cult disguised as a student club. It’s packed with funny truths, awkward wisdom, and just enough useful info to keep you out of major trouble.
So grab your overpriced campus coffee, find a comfy seat, and prepare for ten chapters of the good, the bad, and the gloriously weird parts of college life. Whether you’re a freshman fish or just want to feel better about your sophomore blunders, this book’s got your back—and your ramen budget.
Get Your Copy Here! Congrats, You’re In!
Welcome to the Real World (It Has Credit Scores)
So, you’re officially adulting. Maybe you’ve got a job (or three), a stack of student loans that haunt your dreams, and a group chat that occasionally explodes with “Wait… do I need car insurance??” vibes. You’ve probably mastered the art of mobile banking, splitting Venmo tabs, and ordering takeout like a pro—but when it comes to credit cards and credit scores? That’s where things get a little fuzzy.
You’re not alone. Most of us weren’t exactly handed a “Credit for Dummies” guide in high school. And yet, your credit score is this mysterious little number that can determine where you live, what you drive, and whether you get approved for that dream apartment—or ghosted by a lender with a polite “no thanks.”
That’s why this book exists. Adulting with a Credit Score is your no-shame, no-boredom, no-fluff crash course in all things credit. Whether you’re building credit from scratch, recovering from past mistakes, or just tired of pretending you know what “APR” means, this is your place. We’re going to demystify the fine print, decode the credit score algorithm, and learn how to actually use credit cards without falling into a black hole of debt.
Let’s do this.
Get Your Copy Here! Adulting with a Credit Score
Budgeting Without the B.S.
Let’s be honest—budgeting sounds like something your parents told you to do right after you overdrafted your checking account on Uber Eats.
But here’s the truth: budgeting isn’t about spreadsheets, shame, or cutting out everything that makes life enjoyable (like oat milk lattes, concert tickets, or impulse candles). Budgeting is actually about freedom—the freedom to know what you can afford, say “yes” to the things that matter, and sleep at night without sweating about whether your card will decline at Target.
This book was written for people who are broke-ish but trying, overwhelmed but ready to take control, and sick of being told they need to stop spending money on coffee like that’s going to magically erase their student loans. Whether you’re living paycheck to paycheck, juggling multiple side hustles, or trying to stop your subscriptions from multiplying like rabbits, you’re in the right place.
Get Your Copy Here! Adulting with a Budget