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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5 Ridiculously Simple Ways to Improve Your Bathroom

We all have dreamt of having a luxurious bathroom.

Large jacuzzi tub or a rainfall shower. Gorgeous tiled floor. Vanity large enough for three of you. Because why not? But when you’re on a budget (aka broke as hell and can barely afford to pay rent, let alone buy a house of that grandeur), you’re looking at a bathroom barely big enough to fit that jacuzzi tub you want so bad. And that sucks, right? But by doing any (or all!) of these five ridiculously simple ways to improve your bathroom, you can do the best with what you have – without digging into your savings account. Read more

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