Your credit score is a number based on the information in your credit file. This score shows the likelihood of your ability to re-pay a debt on time. Lenders use this score to determine whether you qualify for a loan and what interest rate you will pay.
What actions will hurt your credit score?
“He that can have Patience can have what he will.”– Benjamin Franklin
The older I get in life, the more I discover the need to be patient. I have an issue with this, because I often find myself excited when I am working towards a goal and want to see immediate results. Unfortunately, that is not always how it works out. Here are some practical ways that I try to maintain patience in life.
Let’s talk about debt. It’s a term that most people dread, probably because many of us have accumulated some type of debt throughout the years. In fact, CBS news reports that U.S. consumers have approximately 3.4 trillion dollars in outstanding debt. Why? Well, it’s probably because our paychecks are remaining the same, while our expenses continue to increase. Life keeps getting more and more expensive, so how do we get out of debt? The following tips have helped me lower my debt tremendously.
Are you in LIMBO? According to Oxford Dictionaries, limbo means “An uncertain period of awaiting a decision or resolution; an intermediate state.”
Getting married to my best friend was the most wonderful decision I had ever made, but getting married and graduating college in the same year brought on many struggles. As my husband and I transition from struggling college students to married graduates, and trying to start our own family, we find ourselves stuck in the grey area or what you would call limbo.
Saving while you’re in college can feel impossible at times. Trust me, I've been there and it's no fun! Between tuition, lab fees, text books and parking decals, there is no extra money left over for you. Even if you have scholarships, at some point or another you will have to come out of pocket with funds.