All too frequently I come across well meaning people with a bad credit score.
Often they have the means to pay their bills and fully intend to do so but forget to pay on time or misplace a bill…
As a result they end up with a delinquent payment (or 2) and take a hit on their credit score.
A couple strategies I suggest are either:
1. Pay your bills as soon as you get them. Although you may be early it is better to part with your money in advance and have a good credit score than be late and pay the consequences of a lower score.
2. Set aside a regular day, time and place for paying bills. Put in your day timer a date and time once a week or every second week and use it to pay your bills. Put a file folder or drawer close to where you will pay your bills and when bills come in the mail immediately put them in the designated spot so they don’t get misplaced or lost.
After a month or 2 you will develop a habit and not only will your credit score improve but you will be amazed how much pressure you take off your mind knowing the bills are being properly taken care of.
The nice thing about a well deserved vacation is when we can forget about everything… kick back and enjoy!
There are some who believe if you have a low credit score it’s a bad idea to apply for more credit.
Have you ever heard the saying “if I had a nickel for every time I …(fill in the blank) I would be rich”???
Here are 3 quick little tips that may be overlooked in working at improving your credit score.
We find no real satisfaction or happiness in life without obstacles to conquer and goals to achieve. – Maxwell Maltz, 1899-1975
If you had a dollar for every time you procrastinated on doing something that was important to complete how wealthy would you be?
“If you don’t like something, change it. If you can’t change it, change your attitude. Don’t complain.”
Procrastination can be a great thing
William Gore, Executive says “You promote yourself every time you take on a new responsibility.”