Thank you CreditRepair.com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a lifestyle.
You guys know I’m all about glam living on a budget, and to me that means knowing when to save and when to splurge. My mom was – and still is – really frugal, and I’m so grateful because I learned how to be smart with money just by watching her. I personally have a good credit score, but I realize some of you may need help in that department which is why I’m excited to tell you about CreditRepair.com today.
Your credit score’s not something that seems important, but when you want to get a loan later on in life – to buy a car, house or [insert extravagant purchase of your choice] – you’re gonna wish you paid more attention to it. Your score’s not written in stone though, and you don’t have to be limited by your number.
It’s not gonna fix itself though so I highly recommend signing up for a free consultation to kickstart your repair efforts. CreditRepair.com is the leading provider of credit report repair services in the States so trust that their team can help you to get the credit score you deserve.
They help you in 3 simple steps. When you sign up, they’ll pull up your credit reports to help you figure out what you need to challenge or change in order to create a custom game plan that’ll help you improve your score. Their team then talks to credit companies directly to confirm that changes have been implemented to protect you.
They have tech that provides members with a personal online dashboard, fully equipped with a credit score tracker and analysis, creditor and bureau interactions, text and email alerts, and credit monitoring so you’re getting the full shebang.
On top of fixing your credit score, you want to make sure you’re saving on the regular because it’s easy to lose track of $ when you’re out. You can avoid going overboard by simply paying with cash. I don’t know what it is about credit cards, but it almost feels like play money. I also recommend recording your expenses because I can pretty much guarantee you’ll be shocked by the amount of money you throw away when shopping unaware.
Figure out what your priorities are. What’s non-negotiable for you? Rent, bills, insurance, internet and the like go in that category. Then I put a big percentage of what’s left into savings, and everything else is fair game for fun. Now, this is a no-brainer of sorts, but make sure you double check your payment amounts, both incoming and outgoing. You want to stay on top of your bills because paying interest or penalties? No bueno. And in regards to your salary, if you get a set amount each month, that’s simple enough, but when you’re a freelancer like me, you want to make sure you record everything because humans make mistakes.
Rewards and rebates are your besties. Bank accounts have different perks so do your due diligence to see what works best for you and your lifestyle! I use BOA, and they have a great rebates program that I take advantage of. I also run everything through Honey and Ebates so I can make money when I shop. Also, many stores have free customer rewards programs along with discounts (think student, military, etc.) so always ask to get the most bang for your buck!
Now, this is a biggie for me because I own a home and I pay for utilities – my last apartment complex included utilities so I didn’t have to worry about it – but I use LEDs. These energy-efficient lights use far less electricity so you’ll be paying less in the long run. I’m also very careful about groceries. I shop in bulk and always plan meals around what’s on sale.
I also don’t buy “small things” when I’m out because they add up. For example, I almost always leave home with a to-go cup of coffee because that $3 adds up over time. What are some things you guys do to save money on the regular? And is credit score something you care about? Let me know what you think by leaving a comment below.
Photography by Melanie Yu.