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Archive for December, 2015

Credit Score is Up!

December 30th, 2015 at 12:44 pm

It is amazing how so much can change in a year! In the past year we have moved, had a baby, decided to home school the older kids, let go of really crappy family members and decided to really work on our finances. I feel that the certain things we did to heal certain areas of our life really allowed better things to enter our life, whether it be helpful people or opportunities. Not to mention, our credit score went up! I always dread checking our scores because I have been used to it being on the lower end for the longest time/last few years, but this time we apparently upped the score enough to qualify for a mortgage! Not that we are in any position to buy a house right now, but seriously, it feels good and gives us hope that we won't be wasting money renting forever. However, this time will be different than the last time we owned a home. We won't rush in to buying a home and we are planning to find the "forever home" where we can try and pay it off and own it out right by the time we retire. My husband and I are trying to do things differently from most in our family (who will never be out of debt). As of now, once we pay off the only credit card we have, we will pay off the hospital bill and eventually the student loan. However, after the hospital bill, we may save to buy a house so at least we aren't wasting money on rent. Regardless, we are continuing to pay our bills on time. I also paid off 2 insurance premiums so we have 2 less bills to worry about every month for at least 6 months. Our cell phone bill continues to stay within the allotted usage too. So, aside from keeping on track for finances, it's my weight I'd also like to work on because being overweight and having to buy new clothes costs money! Anyway, hooray to an upcoming new year and Happy New Year to everyone!