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My credit scores are the highest they’ve ever been and I legit thought this was a glitch 
As someone who comes from a family with not-so-good-credit or finances, figuring out the “right” things to do has been a journey.
“Financial freedom my only hope” - Jay
As someone who comes from a family with not-so-good-credit or finances, figuring out the “right” things to do has been a journey.
“Financial freedom my only hope” - Jay
I hesitated sharing this for a ton of reasons.
At the end of the day, I know I’m not the only one trying to figure it all out so I offer transparency in hopes that it helps set someone else free.
At the end of the day, I know I’m not the only one trying to figure it all out so I offer transparency in hopes that it helps set someone else free.
People say what they want about credit scores (I mean, they do feel very made up lol) but I’ve seen how it’s held so many of my people back from getting what they want in life.
I’ve spent majority of my adult life unlearning things I saw growing up.
I’ve spent majority of my adult life unlearning things I saw growing up.
I remember being so scared to get a credit card in college because I didn’t want to mess up my credit
I had to learn that discipline is the key. Gotta be smart with how you use the cards and you’ll be fine.
I had to learn that discipline is the key. Gotta be smart with how you use the cards and you’ll be fine.
Let me follow this up with some tools I’ve used...
- While I’ve carried balances on my CC’s, I aim to stay under 30% utilization on all of them. Now that I have steadier income, I’ve worked to pay them off. I have 1 left and it’s under $2,000
- While I’ve carried balances on my CC’s, I aim to stay under 30% utilization on all of them. Now that I have steadier income, I’ve worked to pay them off. I have 1 left and it’s under $2,000
- I put all bills on autopay (except rent) so no late fee shenanigans
- I keep my bill $ seperate from gas/food/target/Uber etc
- I read @ramit’s I Will Teach You To Be Rich and caught all the gems
- I follow @thefinancebar
- I keep my bill $ seperate from gas/food/target/Uber etc
- I read @ramit’s I Will Teach You To Be Rich and caught all the gems
- I follow @thefinancebar
I have a money journal someone got me for Christmas. I don’t use it religiously BUT I did outline my goals and that was helpful.
I almost have 6months living expenses saved up
I have like 3 income streams also so that helped with debt/savings.
Nothing crazy, you got it!
I almost have 6months living expenses saved up
I have like 3 income streams also so that helped with debt/savings.
Nothing crazy, you got it!
