How I Raised My Credit Score 100 Points in Less Than A Year

how I raised my credit score 100 points in less than a year

My parents will be the first to tell you I have never been that great with money management.

Keeping more than $50 in savings was always a struggle for me. When I was a teenager all of my extra money magically disappeared (I threw most of it away on body jewelry, overpriced band t-shirts, shoes, and tattoos/piercings once I turned 18), and after I reached my 20s all of my income went toward bills (living on your own is expensive when you work minimum wage jobs). By the time I was 22, I had racked up tens of thousands of dollars in student loan debt – which is still growing now that I’m back in school. On top of that, I managed to max out a couple of credit cards. Altogether, my debt totaled just under $40,000. And at 23, I took out a $16,000 loan for a new car. I never bothered to check my credit score up until then. That was last September.

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Creating A Budget Binder (+ Free Printables!)

creating a budget binder

2017 has officially rolled in, and there are so many things I want to accomplish this year!

I don’t usually make resolutions – because honestly, who actually follows through with those? – but I do set goals for myself at the beginning of each year. My first goal for this year is to start an all cash budget, which means I have to make a budget binder to track all of my finances. Read more