Jay Turner: Our In-House Credit Analyst

18 Jun
Jay Turner: Our In-House Credit Analyst

Hello everyone! I hope that everyone had a great weekend, I know I did!

In an effort to uplift my readers in every way possible, I have decided to add a new segment to the site. Jay Turner has offered to provide his knowledge and services and give us a weekly post discussing all things MONEY. I hope that the information that he gives is helpful to you. Please give us all of your feedback.

Here is a quick bio so you guys can get to know more about him:

On February 6, 2006, I made my last payment to Consumer Credit Counseling Services (currently known as CredAbility) to clear my debt management plan.  The $2300 check I mailed that day secured my freedom from debtors’ prison and bought me a chance for a new financial life.  Like a convict shambling into daylight from the corner of his cell after so many years of darkness, I was giddy to receive a fresh start.  How could I not be? There were times that I had more credit card debt than income during that phase of my life, but I had managed to resolve my self-made crisis without declaring bankruptcy.  However, I was also terrified by the all-too-real prospect of repeating my past patterns of wanton spending and ending up, yet again, on the cusp of financial ruin.  I recognized then that I would need to critically examine my relationship with money and develop new approaches to my finances if I were to have a chance at thriving in the future. 

You’re probably wondering what makes me qualified to write about this topic.  The reality is that I’m a 30-something librarian and corporate trainer.  I have no formal education in finance.  What I do have is an enthrallingly pathetic personal story that has seen me enter adulthood financially illiterate; spend lavishly and recklessly for years; and then end up teetering on the edge of bankruptcy, living in a roach-infested apartment in the hood.  With patience, perseverance, and an unquenchable thirst for learning all that I could about money, credit, and investing, I’ve created a financially secure lifestyle for me and my family.  

My guest column here on FatBoyFavs gives me an opportunity to share the myriad mistakes I’ve made and lessons I’ve learned along the way.  Hopefully I can save at least a few people from completely screwing up their finances, or offering a bit of insight and encouragement to folks who want to rebuild theirs.

If you’d like to get more help in properly managing your money, you can contact Jay Turner via email @  

This author’s columns contain information on many financial topics; however there is absolutely no assurance that any information touching on financial matters is true, correct, or precise. The financial content contained herein is provided for your personal information only, is not intended for advisement purposes, and cannot substitute for professional financial advice. Always seek advice of a competent financial advisor with any questions you may have regarding a financial matter. Information on this site is not appropriate for the purposes of making a decision to carry out a transaction or trade nor does it provide any form of advice (investment, tax, or legal) amounting to investment advice, or make any recommendations regarding particular financial instruments, investments, or products.  Opinions expressed are solely those of the author and do not necessarily reflect those of his employer.

Just one of ‘fatboyfavs’

1 Comment

Posted by on June 18, 2012 in Social Awareness


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One response to “Jay Turner: Our In-House Credit Analyst


    May 25, 2013 at 6:59 am

    Greetings from Florida! I’m bored at work so I decided to check out your blog on my iphone during lunch break. I love the knowledge you provide here and can’t wait
    to take a look when I get home. I’m surprised at how quick your blog loaded on my cell phone .. I’m not even using WIFI, just 3G .
    . Anyhow, fantastic blog!


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