Anyone else repairing a 💩credit score and having FUN doing it?!
At the beginning of this year, I started taking my financials seriously.So much so, that I made a spreadsheet.And you know 💩gets real when spreadsheets are involved...I created my spreadsheets. 📊Found some DOPE YouTubers who gave DAMN GOOD financial advice! 💁🏾Immediately got Credit Karma and CRINGED at my credit score. 🤢Got the Stash app so I could start putting money into a Roth. 💰Found a good bank with the highest APR for savings (American Express, from what I found). 💵Cried when I saw the interest rates on some cards. 😭And almost punched through a wall, like I was Hulking out, when I saw that some of my student loans weren't going down because the money was ALL GOING to the interest 😵😵😵👻It can be scary looking at this stuff with a fine tooth comb, but when you have strategy on the brain - it all turns into a BIG GAME!And, right now, my credit score is the score board.I'm learning other things about investing, index funds, the tax benefits of buying a house, etc.But right about now, it's all about increasing my credit score and lowering my credit card debt (to start) to NADA!And I'm having so much fun doing it!Anyone else getting their finances in line?BONUS: I'm rereading Ramit Sethi's book, "I will teach you to be rich".He's practical AF, has a great sense of humor, provides scripts for talking with credit card companies, breaks money & credit down to the basics, gives you a framework for getting your 💩 together, and more! I HIGHLY recommend this for people just starting to build credit, or who want to repair it.💪🏾🙌🏾😝