How to Repair Your Credit Score

If you have ever been denied credit then you know just how humiliating the experience can be. Of course, everybody else around you has been through the same situation and doesn’t pay you any mind, however to you, it seems like the world is watching and you never want to leave the house or apply for credit again. Instead of hiding under the blankets, below are some great tips to help you improve your financial situation and creditworthiness.

Get It All Together!

The first thing that you will want to do is to take note of all of the individual debts which you have and consolidate them into one larger debt. While seeing one larger sum of debt can seem overwhelming, it comes with the benefit of only requiring one monthly payment.

In addition to making this much more easier for you to manage your debt, it can also drastically reduce the amount of interest you will pay.

Stop Spending Your Money!

The worst thing that you can do is to live month-to-month, paying your bills in small amounts. Instead, put a stop on all of your spendings. Create a budget which can show you all of your income streams matched your monthly expenses. Once you have this, you will be in a better position to know where your money is going and to plug the leaks!

If You Must Buy Something, Don’t Pay Retail

Of course, there will be items that you simply need to buy. For these, the tip is to look for vouchers and coupons. For example, if you enjoy a cigar every once in awhile then instead of going to your local store, take advantage of the Groupon Coupons page for J.R Cigar. This tip isn’t limited to cigars, it can be applied to any item which you need to buy that isn’t budgeted for.

On the Subject of Budgets

Speaking of budgets, it’s important that you create a realistic one. It can be easy to get excited about improving your financial situation that you forget items like entertainment and general expenses. When this happens and you break your budget, you can become disheartened and give up.

Additionally, it also affects the amount of money that you can consistently save, which can also affect your creditworthiness. Instead, be sure that you can realistically stick to your budget and then DO!

Direct Debit

How often you pay your bills late has a tremendous impact on your credit score and report. Even if it only happens once or twice and is only for a few days.

The quickest and the rest is easy to avoid this is to establish a separate account which you only deposit the money for your bills each pay. Then, provide these bank details to your utility providers and have them switch on direct debits. With this enabled, you can improve your credit score without having to do anything more than transfer money each time you receive your salary.

When taking steps to repair your credit score it’s important to remember that it isn’t a process which happens overnight. If you feel like it is taking too long, keep thinking about the goal of financial freedom you will soon feel and how great it will be to go back to the cashier counter for an approved application!

Advantages of Having Your Own Car

*This is a sponsored post

If you’re still on the fence about whether or not you want to invest in your own car or not then this post will hopefully help you make the right decision. For most of us, having our own car is a necessity – a ‘need’, more than a ‘want’.

One of the advantages of owning your own car is that you have your freedom to go wherever want to go at anytime you want. You have the option to buy a used car or a brand new one. For some, they do not care if their car is used or pre-owned for as long as it will still work, then they will buy it. There are some people also who are fussy when it comes to buying their cars as they want to buy a brand new one. Their reason is that they want to be the first owner and they want that their car is of lowest mileage.

So, how about you? What car you will buy – brand new or used car?



Whatever your choice will be, first you have to research more on the car that you are going to purchase. You have to learn more about the specifications and the advantages of owning it. Once you have narrowed down your list, you have to compare one car to another. Choose the best one that will serve your lifestyle. And then, searching and comparing one car dealer to another is also a good thing to do. At least you can have choices on where to go, and you can enjoy the quality car that’s priced the lowest.

For you to enjoy all these features, consider visiting Cars.com. This website is serving car shoppers since 1998, and this is easy to use. Browsing any car in this site is free, and also this is a safe site to visit. For more about Cars.com, visit it online anytime you like. Oh, also enjoy the convenience of using the app as it is already available.

A Busy First Quarter

The first quarter of the year has passed by rather quickly for me. It has been a very busy first quarter and it’s one of the main reasons why I haven’t been able to update this blog as often as I would like to. As what I may have mentioned in some of my previous posts, I have spent the last quarter of last year and the first couple of weeks of this year looking for a full time online job. I have decided to focus more on my online freelance career because I’ve always felt that it is a career where I can really thrive.

After spending the last couple of weeks sending out applications and undergoing a few interviews in the process, I was finally able to land a full time online job. I was really ecstatic about it because the I get to work on a project which I believe is something that I am good at and something that I will also learn a lot from in the process.

Anyway, one of the many reasons why I really wanted to pursue working online is that I get to have a full time job and earn while I’m at home. I still get to spend a lot of time with my family and I am still able to attend to their needs. Now that I am also earning a decent amount of money from my online job, I can contribute to our household’s income and even buy a few items for our kids including the new guitar that our youngest saw at the best online music store that his friends told him about. Hopefully, we get to buy the guitar that he wants just in time for his birthday.

I will, of course, still try to update this blog often and maybe give you guys an update on the progress of my new career. ‘Till next post.