How to Break the Living Paycheck-to-Paycheck Cycle
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Young_Chitlin wrote: »I clicked ns by accident. No bars having phone got me click wrong reactions
o ok, yea I hate that ?
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Not that far off from a 700 credit score. I'm trying to make more payments on my cards so that I can get them consolidated
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Young_Chitlin wrote: »Not that far off from a 700 credit score. I'm trying to make more payments on my cards so that I can get them consolidated
Update: my Equifax credit score is 707!!!!!!! -
709 now
It should be more like 740ish but a situation at the US Bank dinged my credit by 30 points. No matter, I estimate by December 2017 I should be debt free.
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Is an 860 credit score the max you can get?
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I got a raise to $37,500 arriba my job CARAJO
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Article on how to "immediately" raise your credit score
https://www.learnvest.com/knowledge-center/9-ways-to-raise-your-credit-score-immediately/ -
Build Your Emergency Fund On a Low Income With a Simple Bill Tweak
When you’re living paycheck to paycheck, building up any kind of savings borders on laughable. However, by tweaking the way you pay your bills each month, you can sneak in some savings for a rainy day.
As personal finance site One Cent at a Time explains, you probably have a few variable bills. Typically, for variable expenses, you might budget the average amount you usually pay. Instead, budget for the maximum amount you could pay. This money doesn’t necessarily count as extra, since you could end up paying it and need to be prepared for it. However, if you end up with a lower bill, you can save the excess:
As a rule of thumb, we average the expenses while budgeting for a given month. Now stop allocating an average amount in a variable expense category. You start allocating the maximum expense you had in last 12 month. If in January your electricity bill was $160, do allocate $160 every month. In summer when you get lesser bills, you’ll have more surplus.
This tweak will make your budget feel tighter, but you’ll also be more prepared for the more expensive seasons. Over time, the surplus you save from this method can become your emergency fund. You may not be able to retire on the difference, but if an expensive emergency comes up, you can spend the money you’ve saved on it.
http://onecentatatime.com/creating-emergency-fund-with-low-income/ -
Just got a debt consolidation for my remaining credit cards
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@TheBoyRo they gave me 5 years to pay the loan for my credit card consolidation and I've budgeted to get it paid off in 4 months
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Update: I can get out of the Credit card CONsolidation by 11/25/16. I got the interest under control, only $22 ish of interest being charged for every payment I make
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Young_Chitlin wrote: »709 now
It should be more like 740ish but a situation at the US Bank dinged my credit by 30 points. No matter, I estimate by December 2017 I should be debt free.
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I had bad credit card debt. My score was barely 600. Not it's well over 700 and I always get credit card offers in the mail.
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I had bad credit card debt. My score was barely 600. Not it's well over 700 and I always get credit card offers in the mail.
Same here -
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Sense My daughter has been born I've put 25 bucks into an account every pay check I've got. Had to dip in there a few times but she'll be 14 in August and i have 7,500. My plan was always to keep half and give her half when she turns 18. Little ? can build up
I had to stop going out so much. I used to hit the streets Wednesday through Sunday. Now maybe just once a week I cut my smoking in half. That ? saved so much money. You save so much in terms of less driving to mee the plug you don't have to buy as much roll up and lighters.
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the credit bureau does not like when you make big payments to improve your credit my Equifax went up to 754
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Back to 762
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Young_Chitlin wrote: »Young_Chitlin wrote: »709 now
It should be more like 740ish but a situation at the US Bank dinged my credit by 30 points. No matter, I estimate by December 2017 I should be debt free.
I don't like how you have to give them your ssn for the app -
It takes 30 days when you make a big payment for it to reflect on your credit report I can't wait till September 30 even if it goes up a few points I'm going to be stoked and I Know It November when I finish paying off the credit card consolidation well actually I'll have it paid off a few days before Halloween so by the end of November I'm just excited sacrifice will be worth it and I'll be on the golf course soon enough with my Stella
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Just by a simple tweak in the budget.. instead of 5 weeks, I can get this paid completely off in two and a half weeks an almost $8,000 loan paid off in 9 payments. Student loans are next to get whacked CARAJO
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Got my credit card CONsolidation loan paid off.
As of right now, I have $21,922.78 left on my debt -
Credit bureau dropped my Equifax a point to 761 for skipping a payment even though I was ahead on payment. CARAJO
https://youtu.be/8F0mH84w6e4
