What Affects Your Credit Score?

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In the wake of the data breech of Experian, one of the companies that compiles our credit scores, last week, I discussed why our credit scores matter.  Today, let’s discuss what affects credit scores.  Your actions could be affecting your scores without even knowing it, whether harming or improving.

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What Is Your Credit Score and Why You Should Care

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Data breaches of big companies have become so common that you may not even pay attention to them any longer.  Nevertheless, the recent news that Experian was breached which exposed the data of tens of millions of consumers does take this to the next level of concern and magnitude.  So many people were affected and by a company that is supposed to monitor OUR trustworthiness in managing our debt and borrowing.  Experian is one of the big three credit monitoring companies that produce a “credit score” on all of us who have borrowed money or even received a credit card.  So let’s take a few blog posts to discuss our credit score:  what is it, why should we care, and how we can improve it.

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Money Management Tips for College Students

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A new college year has started and students are back on campus learning to balance study, fun, and work. They are gaining new independence and responsibility.  College is also the time when students start to practice real money skills, manage money while in college, and learn sound money management tips. Whether they work part-time, college is mostly paid for, or student loans postpone the day of reckoning; students can learn about budgeting, the difference between needs and wants, living within your means, stretching a dollar, planning for future bills, and managing money in college. They have plenty of opportunities to apply one of my favorite financial principles which is how to avoid paying full price.

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Get Your FREE Money-Saving Ebook

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Financial Guide to Life book cover

Financial Guide to Life – See my Amazon author page:

My new book, “The Financial Guide to Life” is free on Amazon for three days:  8/14 – 8/16. 
Get it for free while you can and take advantage of all the ways it can save you money, simplify your finances, improve your investing, get you out of debt, and improve your future.  If it saves you money, then please leave a review on Amazon.  All new authors need reviews to help spread the word.

It will pay you back with money savings tips, investing expertise, and advice on how to avoid paying full price. Save hundreds of dollars a month, simplify your finances, and enhance your financial future. I especially recommend this book for young people, because the earlier you get on the best financial path, the better your future will be.

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What You Don’t Know About Your Credit Score Will Harm You

Find out what is a credit score, why your credit score is important to you and how you can improve it.  People with low credit scores will have a harder time getting credit and will pay more when they do.  It can also affect other things like getting telephone service, an apartment, or even a job.  Despite its importance, I haven’t discussed it much here on my blog.  However, my new book, Financial Guide to Life, has an entire chapter that summarizes the things you really need to know for your own self-interest.  For busy people, I really like checklists and bullet lists.  Everyone one of my book chapters starts and ends with a bullet summary.  So today, I am going to share the bullet list summary for my credit score chapter as well as the “more information” list to give you the quick facts you should know.

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What Young People Should Know about Money

Many young people have recently graduated, started earning money, and are faced with a wide range of new financial choices.  The financial principle I most hope young people learn early is how important it is to start saving early, especially for their retirement.  Saving early, even a small amount, allows more time for the “magic of compound” interest to grow your savings and earn interest on your interest.

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New Money Management Book

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FGTL book coverI can now announce that my new money management book is available for sale and it is better than FREE! It will pay you back with money savings tips, investing expertise, and advice on how to avoid paying full price. Save hundreds of dollars a month, simplify your finances, and enhance your financial future. I especially recommend this book for young people, because the earlier you get on the best financial path, the better your future will be.

 

Financial Guide to Life –
Managing, Saving, Investing, and Spending Your Money

Why this money management book?

It covers the themes that you have enjoyed here on my blog for 100 posts over the last several years: how to manage, save, invest, and spend your money. Read below for topics the book covers in depth. There are many personal finance books, but I think my book is mostly unique in two ways.

  1. I include links to a wealth of internet resources and mobile apps that will make your finances easier. It is especially nice that in the ebook version, these resources are only a click away.
  2. Too many money management books are written by millionaires or seminar promoters, who may mean well, but do they really know what it’s like to stretch a dollar? Now get practical information and advice from a certified financial education instructor who has faced the same financial challenges as you for more than thirty years.

Where to Find It?

You can find it on Amazon as a paperback, ebook, or large-print edition. Check it out. For more information, see below or go to Amazon. Amazon reviews help authors. If you find that it helps you manage, save, invest, or spend your money, then I would welcome an Amazon review.

What Does the Book Include?

Get money-saving tips, easy-to-read examples, step-by-step explanations, practical checklists, and hard-learned advice to improve your financial future. Additionally, get links to the best internet sites, tools, calculators, comparison aids, databases, smartphone apps, and resources that will make it easier to manage, save, invest, and spend your money.
The Financial Guide to Life covers the key things you need to know and do to handle most aspects of your finances including investing, budgeting, paying student loans, getting married, raising money-smart children, paying for and getting into college, buying a home and car, saving for retirement, getting out of debt, making ends meet, saving money, avoid paying full price, raising your credit score, and joining the millionaire club.

Who Should Read The Financial Guide to Life?

  • Young adults starting their financial journey
  • Women who want financial tips for their unique situations
  • Savers who want to make investing easy, less risky, or go to the next level
  • New and future retirees
  • Families planning for a new baby, kid’s money issues, college payments, buying a house, or saving for retirement
  • People who want to simplify their finances, avoid paying full price, or get on the path to a sound financial future

Get answers, tools, and internet links to help with money management questions like these:

  • Look Mom, I’m a graduate, now what?
  • How can I simplify my finances?
  • How can I get out of debt?
  • What should I do with my savings, IRA, 401(k), or college savings that is safe and easy?
  • How do I save money when buying a car, house, college, and more?
  • How can I make my money go further?
  • How can I raise my credit score?
  • How can I join the millionaire club or at least retire early?
  • How do I keep my future self from coming back in a time-machine and slapping me around for financial mismanagement?

Highlights from 100 Posts for Managing, Saving, Investing, and Spending Your Money

This is my ONE-HUNDREDTH post to bring you information about managing, saving, investing, and spending your money!  I hope you find something useful to save money or improve your financial future.  I will highlight below some of the most useful posts for money management.  I have also taken this opportunity to update the website’s appearance to make it more mobile friendly.  Now you can lookup information and the best money management websites as easily on your tablet and smartphone as you can on your computer.  You can search for information on this website several ways:

  • Menus above
  • Search box in the header
  • Categories list on the right sidebar
  • “Tag cloud” list on the right sidebar

Here are some of the money management articles you may find most useful.

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Safest Cars for Teen Drivers

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The Insurance Institute for Highway Safety (IIHS) has new recommendations for the safest cars for teen drivers.  The stereotype of a car for a teen driver is a loud, muscle car, while the common reality may be an inexpensive, small used car.  However, teen drivers are among the most risky and most likely to get into an accident.  Therefore, recent advice has been for teens to get recent model cars with as many safety features as you can.  Now the IIHS has even more specific recommendations.

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Money Checklists, Freebies, Tools, and Apps

Managing your finances well requires more than just applying sound financial principles.  I also like to use and share useful money checklists, tools, apps, and internet resources.   Today’s post includes a variety of these I have recently found.

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