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When your score jumps 176 points and you enter the 700+ club
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Step 1- Delete all negative accounts that are unverifiable/ Reporting incorrectly / Erroneous -
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Add 4-6 positive accounts if you want a strong 700 + FICO score -
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Your score will only jump if you have 4-6 positive accounts after we delete the negatives ‼️
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If you need help restoring & rebuilding your credit simply text “CREDIT” to 855-327-2727
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There will always be people that disagree and will try to stop you. They are there to test your will to succeed. Don't be afraid to go against them.
@theloversmindset
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Follow @grinders_empire for more content like this!❤️
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#financialfreedom #comfortzone #warrenbuffet #moneymanagement #moneymastery #positivity #successhabits #creditcarddebt #financialliteracy #knowledge #grindersempire
PAID: One down and One to go. Road to Financial Freedom. I hope that my financial posts inspire. It is not meant to be braggadocios, but to let you know that YOU CAN do it. I can’t tell you how many times I've made a impulsive purchases, paid down credit cards and then charge then right back up. I would make a purchase and pray it goes through. I had ENOUGH. If you had enough and need a thought a partner, I am here.
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#creditcard #creditcarddebt #fico #ficoscore #wonthedoit #debtfree #debtfreejourney #debtfreecommunity #financialfreedom
THE CASH RE-UP
I get paid every two weeks and on every pay day, I go to the bank to pull cash for categories in which I tend to overspend. For some, handing over physical cash is emotionally harder to do than swiping a card in the store.
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Here’s what I’ve got for the next TWO WEEKS: •GROCERIES: This clip still had $34 left over but I still refilled it with my usual $125.
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•GAS: No changes here. I actually had $31 left over from my last payday which has been the case for a while now, so I may make a small adjustment to $50 every bi-week.
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•LAUNDRY: I usually pick up quarters once a month.
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•GROOMING: This is actually the start of a sinking fund. I used the last session in my eyebrow threading package so I’ll be putting money aside to purchase another later this month.
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•BF BIRTHDAY DINNER: The boyfriend’s birthday is today!!! I’m probably more excited for him than he is and he has no idea what I have planned for him today. For dinner, we’re going to the spot where we had our 2nd date.
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•BLOW MONEY: This is for everything else. Non-emergency stuff for the house, a trip to Starbucks (no Starbucks in May AT ALL...go me!), a Snickers...whatever.
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Did you refill your cash clips or cash envelopes recently?
ALL THE FEELS!
So I switched things up a little and made a little bill breakdown card to take to the bank and save a . Here’s my cash for the next 2 weeks:
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• GAS: I still had some cash left in this clip so I reduced cash for this week by $20
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•GROCERIES: No changes here.
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•LAUNDRY: My once a month withdrawal of quarters. We (the condo board) are still considering the possibility of in-unit washers/dryers but need to address other building repairs first. So for now I’m about that coin life.
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•METRO: A variable expense depending on how many baseball games I go to each week but there was room in the budget to add more onto my metro card.
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•MANI/PEDI: I’ve got this down to once a month with my own home care. Next week is both my mom’s and my birthdays (I know ) so we’re getting a mani/pedi together! #selfcare
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•EYEBROWS: I get my eyebrows threaded and this is the tip for my tech. I purchase a package (which I’ll need to budget to renew soon) making each session with my tech cheaper. #selfcare
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•BLOW MONEY: Someone recently commented on one of my other cash posts that the cash I budgeted wouldn’t get me much blow, so that inspired the name “Not Enough for Actual Blow” this bi-week. And lastly...
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•NEW TOILET: Thanks to everyone that provided feedback on whether to pay for a replacement from my emergency fund or to cash flow it. I chose to cash flow it because it’s not REALLY an emergency (it’s been wonky for a little while now) and the cost was small enough that I could make budget adjustments to cash flow it. I’ll be heading to Home Depot today to get it.
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•Who else refilled cash envelopes/clips today?
Sometimes you have to look back to remember how far you have come. One of the greatest feelings on this journey was when I FINALLY became credit card debt free after paying off $16,579! My friend @madewithlovebytine gifted me this beautiful plaque for this milestone!
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COMPARISON IS THE THIEF OF JOY…and your money. Stop comparing your life to everyone else’s. It’s almost IMPOSSIBLE to be satisfied with your own life if you’re constantly looking at what someone else has. LIVE YOUR LIFE, not theirs!
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If everyone is WINNING who's LOSING!
BIG CONGRATULATIONS TO MY BUSINESS PARTNER
After filing bankruptcy, walking away from corporate America 2 years ago and going fulltime in her business she is now able to leverage the Power of EXCELLENT CREDIT and Financial Freedom and Purchase a Brand new 2019 MERCEDES BENZ with a Very Low interest rate! It's time to stop watching the screen and join the Financial freedom movement #letswork Whole Team ELEVATING!! Who want to increase their credit score or join our Winning Team!! For more information Text "READY" to 727.364.3494
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Cash for the next two weeks!
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GROCERIES/GAS: These amounts have been the same for months now and seems to work well. So I’m sticking with it.
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METRO: Now that baseball season has started, I’ll be taking the metro more so I added that to the budget.
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LAUNDRY: Also remains the same. My condo building has coin-operated washers/dryers. I grab quarters once a month.
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CLOTHES: This is a new entrant. I need new bras (sorry guys) and an update to my work wardrobe. We’ll see how far I can get with that $72.
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MANI/PEDI: So I budgeted for this last paycheck but I never made an appointment (likely because I started to not want to spend the money) and to confess: I spent the money on something else and I have no idea what
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BLOW MONEY (not for actual blow ♀️): Well this is for anything else. For example, I plan to drop into a Zumba class or 5 and treat myself to an after-workout lunch tomorrow. Also, there were some pretty cool suggestions on other names to call this but blow just works for me.