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Improve your credit score
Contrary to popular belief, having bad credit is sometimes as detrimental as no credit. If you’ve resorted to a life of debt-freedom to keep your finances on track, kudos to you for being responsible. However, you may find yourself in situations where ignoring your credit profile or not having credit causes major problems.
The average score in the U.S. is a 703, so you have a bit of climbing to do before you reach that threshold. Here’s the breakdown of all the credit categories so you get a better understanding of what’s ahead:
- 300-579: Very Poor
- 580-669: Fair
- 670-739: Good
- 740-799: Very Good
- 800-850: Exceptional
Break up with debt
You’re desperately searching for ways to find relief from a mountain of debt. But maybe the debt balances are so high that you can’t seem to see the light at the end of the tunnel. Or you’re already living check to check so allocating more money towards the balances each month seems impossible?
To get out of debt fast, it’s a must you stop using debt right away. Don’t apply for another loan or credit card, resist the temptation to get a cash advance, and freeze your credit cards in a block of ice if you have to. Just be sure to avoid debt like the plague if you want your goals to become reality. If you’ve historically relied on debt to smooth out income or survive because you have more bills than money, you’ll need to make some adjustments. More on that in the next step.
Reach your savings goal
Saving money is at the top of the list of financial priorities for many yet it seems so hard to pull off. Case in point: approximately 80 percent of Americans are living check to check.
Here are a few budgeting tips:
- You always want to pay yourself first. If you wait until the end of the month to set aside cash for savings, chances are you won’t have very much left.
- An allocated spending plan that accounts for every dollar before it even hits your account is best.
- If you have a hard time keeping spending under control, give the envelope system a try.
Ready to start saving?
Looking to earn some money on the side? Thanks to the internet, there are an endless number of ways to make money online. Learn more below: