Why You Should Care About Your Credit

There’s this sentiment buzzing around in the personal finance space that you shouldn’t really care about your credit if you truly want to improve your finances. Credit is an interesting concept. It’s the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future. Basically, you receive a rating based on your ability...

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Posted in: Credit and Debt

5 Tips to Improve Your Credit Score This Year

Today, my credit score is almost 800. I opened my first credit card during college and have always made my payments on time. Slowly, I’ve added more credit cards but I’ve always used them responsibly or opted not to use them at all. I also have student loans I’m paying back along with a small personal loan I’m paying on with my husband. That’s it. That is the entirety of...

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Posted in: Credit and Debt

What is Everyone’s Starting Credit Score?

Have you ever thought about what everyone’s starting credit score was before they even started building credit? Unfortunately, I made a mistake at one of my first banks which negatively affected my credit so when I finally checked my score, it was low. I always thought about what my score was or could have been at the beginning? Does everyone start with 0? Do they give you a few points in good...

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Posted in: Credit and Debt

4 Things I’m NOT Giving Up to Become Debt Free

Last week, I shared 5 things I’m giving up in order to become debt free. This week, I think it’s only fair to share some of the things I’m not giving up while on my debt repayment journey. I only came up with 4 this time so many that mean I’m still better at making sacrifices to pay off my debt 🙂 Even though I really want to get out of debt, I don’t consider it a death...

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Posted in: Credit and Debt
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