It’s that time of year again where we are coming to a nadir. At these times, we look to see what has been, what could have been, what might yet be…if only. If only, what? If only we set some resolutions to help guide us through the new year into 2016.
Instead of the tried and true – I’ll lose weight, eat better, or drink my 8 glasses of water. How about focusing on very specific things that will yield a fantastic benefit for years and generations to come? Why not learn how the in’s and out’s of managing your credit? This way, you can teach those valuable lessons to your children and your children can teach their children, and so on.
Yes, not sexy by all means. Not even fun-sounding, or even interesting. I get that. However, the benefit? Remember that Experian commercial where the lady is bargaining for more in the furniture store and she chooses an ottoman as a bonus for her excellent credit? The look on the woman’s face as she is carried out of the furniture store on her recliner with its matching ottoman says it all. She exudes a cat-who-ate-the-canary look. It’s priceless…and powerful. Credit Swagger is what it’s called.
The message? If you know your credit score is impeccable you have an edge that others may not. You can demand, as she did, things that those with a lower score cannot command. Great!
The commercial doesn’t show you how to achieve that great credit score, nor does it elucidate the intricacies of understanding the factors that go into your score. So what to do?
Read Suze Orman? You definitely can. Richard Kiyosaki? Why not? You might learn more about real estate, or the stock market, though. Dave Ramsey, Jack Kapoor, Les Dlabay, Cary Siegel and Howard Davidoff can help you. They most definitely can…but it will take a while to get through their tomes.
Making Dollars & Sense Work will give you the key ingredients to knowing the factors that affect your credit score, how you can access your credit report right now, how to read it, and begin targeting the specific factors you need to work on for your own credit score to improve.
I’ve improved my own score over one hundred points in the last 10 months – and maintained my score. Sure, I’ve had my ups and down. This year, I’ve made choices that I knew would affect my score but I made the choices wittingly. However, by maintaining all of the aspects I know to be key for my personal credit circumstances my scored slipped by less than 10 points even though I played with 2 factors that have a high impact on my score – one positively, one negatively. It was a risk I chose to take. Once you know your key credit factors, you can decide how to move.
In my case, I took a spiritual journey to Cuba this summer that opened up huge vistas for me in other areas of my life. It was a choice well worth it to me.
What are your goals, dreams and desires? In many cases, an improved credit score can make a positive impact and difference in your situation. Making Dollars & Sense Work is a 2-hour read that will give you the nuts-and-bolts of all you need to know to begin building a solid financial position for less than $5.
Do yourself a favor and read something to help you and your family live better in 2016 and beyond.
HAPPY NEW YEAR!