Financial Tips for Success

Credit Score???... 

Advice to follow as a compass in your financial decisions

We are bombarded every day with all those temptation to spent money, to a point where you will even have the hardest time to convince yourself that you don't even need what you are about to buy, our minds are clouded by all the "SALE" and "Discounts" signs. So, you need a strong financial discipline, which will help building and keeping a good Credit Score, or ruin it all and spend that money, put it a saving account, now you can do it on the spot from your smartphone with your bank app, it will feel like a transaction but it remains in your account, or another great idea, donate some of it to charity or a homeless on the street, it's an amazing feeling, try it!
Only spent your hard earned money on what you need and what make sense. Remember, if you can't say "NO" each time you want to buy something you don't need, you will run out of money and then you start applying for credit cards which eventually won't be able to keep up with payment and that will resulting in ruining your Credit Score.
Every time you are tempted, think about how hard and how long it took you to earn that money, so if you cave in, it's like an insult to you because you don't value yourself and the hard work and effort it took you to earn it.
 

Investments that will help you build a good Credit Score

When it comes to buying a car, getting a brand new one is not always a wise financial decision because a car's depreciate  fast, even as soon as you take it out of the dealership. So, considering buying a car is not a small investment, try to do your research for a certified used car, it will save you thousands of dollars. Big purchases with affordable monthly payments are a great way to improve your Credit Score.
Trim your monthly expenses, I bet you if you sit down to write down a detailed breakdown of your monthly bills, you'll find some of them that are just a waste of money but you were thinking that you need those services, like cable, you might be paying for extra channels that you probably don't even watch because of your lifestyle and constant lack of time, you need to cancel those extra channels and lower your cable bill.  

Don't let debt ruin your life

Deal and face any current or old debts you may still have and now you have debts collection agencies (Biggest threat to your Credit Score) harassing you and this will get you all stressed out, and you know this will affect you in big negative way, so try to call them to see what you can do to get over with it, but, keep in mind, remember that when a collection agency calls you to discuss a debt, remember that you do not have a written contract between you and the agency, the actual financial contract was between you and your credit card or loan institution, so when you speak with the agency, ask them to provide you documents that proof that they are eligible to collect any money from you, in some cases, the debt could be old and you are no longer liable for it, so know you credit history.

Practice good judgment in your finances

Follow these tips as approaches to keep your money all together in check, and gradually you'll begin to see your money related circumstance improving and your Credit Score soaring high. When you have your hard earned money under control, you'll see that your life begins to enhance too. Make a money related arrangement, stick to it, and watch how your life starts to develop in a crisp and new manner, and the opportunities and access to money resources you couldn't before because of a low Credit Score.

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