Having a good credit score is something worth fighting for. And, while there are different scoring companies which means you can have more than one credit score, you know at a base level if your score is good or bad.
The easiest way to tell is if you pay your bills on time and pay off your credit card(s) each month. If you are doing that consistently each and every month your will have a good credit score. I do that every month and so I never worry or stress about credit or my credit score.
If you are not at this point, it is completely worth the time and effort first to avoid letting things get out of control. Then, if you are currently carrying balances, to put a significant effort into getting those balances to zero.
What are the benefits of good credit? Here are a few:
- Get better rates on car insurance
- Qualify for lower credit card interest
- Get approved for higher credit limits
- Have more housing options
- Get utility services more easily
- Get a cell phone without prepaying or making a security deposit
- Look better to potential employers
All of these things are very good things. Again, these are things that are worth the effort it takes to keep credit under control and make it work for you.
But you have to be patient and disciplined to put off things that can be put off and do the work to stay within your means.
You can absolutely do this!
As always, if you are looking for a gift for the young reader in your life, you can find some great children’s books on Amazon. Just go to these links The Desert Fairies of Oylara, The Rainforest Fairies of Oylara, and The Artic Fairies of Oylara and order them.
Finally, check out some pretty cool music on YouTube if you have a few minutes: Introduction , Mosh, Smoke, Watch Out , and First Day Out. Enjoy!
Patient and Disciplined Saving 