I started my blog because I wanted to dive deep into credit. It’s such a common problem for Americans and very little help. It’s not something they teach you in school. Our parents tell us and lecture us about it often but how often did you listen to your parents? Let’s be honest!
Once you could drive, work, and be on your own. Your parent's advice was taken with a grain of salt most of the time. Now, I love my mama but it is a simple truth. I didn’t listen to the things that could have saved me grief, debt, and struggles.
Anyways, I’m no expert nor did I get a degree in finance or anything of the sort but I have experienced enough to share and help others learn a little bit about credit.
I have had to learn the hard way but they have been great lessons because it has made me passionate enough to make sure my children learn about it in their own way and to help others.
I’ll share what has worked for me and how I have been able to rebuild my credit.
Just a little insight of my story I had a few financial troubles and lost a vehicle due to a loan I had taken out, I purchased another vehicle which was repossessed shortly after, so you can get an idea that this is just the beginning of a spiraling disaster. We moved back to NM still had no vehicle but my parents let us use one of theirs. It broke down so when I tried to purchase another vehicle this is where my credit was so bad I couldn't even get a loan with a cosigner.
This is when I started to actually care and pay attention to my credit. It took years to realize how important credit can be. This was only 3 years ago. I was 26 years old.
It's heartbreaking that it took me so long to mature and get real about my financial situation.
So I spent the last 3 years repairing and rebuilding my credit.
Now, most people would have filed bankruptcy but I've always heard bad credit is better than no credit. I didn't need a clean slate to get out of the turmoil I created. I was able to work with what I had. Besides, I couldn't include student loans in bankruptcy.
This is how I started:
I followed these steps and within a few months, my credit score began to improve.
Stay tuned, I'll be adding more posts in regards to the steps I have listed with more in depth information.
Every situation is different but if you have any questions, leave a comment or go to the subscribe section to send me a message.
I’m beginning to get my feet wet with this blog thing.
Like I mentioned in my informal “introduction” we're a family of five.
(This is how I picked my blog name, giving my two cents in reviews but we're a family of five so it's my five cents, clever, eh?! Oh and can't forget to thank my friend Melly for helping narrow it down)
As I write this, I have my arms under my almost 2 month old so she can think i’m holding her but she’s actually laying on the table. I know..it’s quite the visual but i’m serious.
Not to mention it’s 1:17 a.m
I have so many topics that I will be sharing I’m not really sure how to start. I figured I could start by asking my readers where to begin?! I will be doing reviews on items our family uses, sharing current deals and sales (I love couponing but I wont be making this blog entirely about that) sharing tips on how to save when you can barely pay all the bills, repairing credit, balancing work and home life.
Let me know what you’d like to read in the comments below so I can get started.
If you haven’t subscribed please do! I will be doing a giveaway when we reach 100 subscribers.