How I Earned a 782 Credit Score at 23
I believe that understanding the ins and outs of managing our finances is essential in our quest for leveling up in life. After all, what good is achieving our dreams if we're not equipped with the knowledge and tools to sustain and grow our success? So how did I do it?
1. Living with parents while in school
While I had the advantage of fewer bills to pay, I still encountered challenges in managing my finances effectively. In the past, I used to blow money like it was nothing, with little to no savings to show for it. However, recognizing the opportunity to change my habits, I embarked on a journey of financial education, starting with reading "Rich Dad Poor Dad" by Robert Kiyosaki. Over the course of 6-12 months, I diligently saved and invested most of my income, laying the groundwork for my financial future. This disciplined approach not only helped me build a healthy relationship with money but also demonstrated to the bank that I was responsible and capable of handling a credit card. It was only after this period of financial growth and learning that I felt confident enough to apply for my first credit card. After being rejected 3 times prior!
2. Become Delusional as F**k
The biggest change in my relationship with money came when I realized that it's not inherently bad; I have a good relationship with money, and money works for me—this is my reality i lived in even during the times I was broke. I remained delusional in my belief that financialsuccess for me was attainable, and remarkably, it worked. This perspective empowered me to view money as a tool for creating wealth rather than something to fear. I learned to use a credit card to work for me, not as a slave to debt, and discovered how to leverage debt to make more money. This shift in mindset helped me overcome financial fears and embrace opportunities for growth.
For more financial literacy context read these posts
Escape Your 9-5 Job If You Don’t Want to Work
“Make Money When your Young, Pretty & Ambitious.”
How to make a credit card work for you
Keep Low Credit Utilization:
Aim to keep your credit card balances low relative to your credit limits. This utilization ratio should ideally be below 30%, with lower percentages being even better. High credit utilization can negatively impact your credit score.
Pay On Time, DONT MISS PAYMENTS
Consistently paying your credit card bills on time is crucial for maintaining a high credit score. Late payments can significantly damage your credit score and stay on your credit report for years.
Keep Old Accounts Open:
The length of your credit history is an essential factor in determining your credit score. Keeping old credit card accounts open, even if you're not actively using them, can help lengthen your credit history and improve your score.
Monitor Your Credit Report:
Reviewing your credit report allows you to identify any errors or inaccuracies that could be negatively impacting your score. You're entitled to a free credit report from each of the major credit bureaus—Equifax, Experian, and TransUnion—once every 12 months.
Avoid Closing Old Accounts
Closing old credit card accounts can shorten your credit history and reduce your overall available credit, both of which can lower your credit score. Unless the account carries high fees or you're unable to manage it responsibly, consider keeping it open.
Conclusion:
Through disciplined financial habits and strategic planning, I achieved and maintained a high credit score. This journey is only the beginning of my commitment to financial responsibility. For more insights on financial literacy, be sure to check out my other posts. Remember, with dedication and planning, anyone can achieve their financial goals
Until we talk again !
Chichi
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longtime dc fan and i think a lot of people are angry because alex is obviously one of the most culturally relevant instances of misogyny in media. that being said being more culturally relevant doesn’t mean it’s the worst instance of misogyny and i think bumble definitely experiences more profound misogyny in the way the actual content is presented, if that makes sense
I get you, and that's a charitable way of looking at it.
I think what's rustling my jimmies is that like, there was a couple of WC fans being mildly dismissive of Alex in that note minefield, after dozens of comments of "fuck you how could you let the fridge woman lose" and "Bumble didn't deserve to win ANY rounds" and "how could A CAT experience misogyny." But then WE get blamed for the toxicity because THEY were butthurt that the Funny Cat People have the 'audacity' to win something they feel entitled to.
Like, we've gotta be endlessly charitable as we get openly insulted because they're upset about Alex losing, a very well-known and culturally relevant character with a legacy so massive we have a whole term named after her. But condemnations of "She's just a cat, letting WC into this poll was a mistake, Bumble can't even be a victim of misogyny" only started coming around once I started talking about it.
as if it's OUR fault people got passive-aggressive or even OPENLY aggressive towards us, and that we're "just as bad" for retaliating
But like you said, it's not a "Most Culturally Relevant Misogyny" tournament, it's a "Canon Misogyny Victims" tournament. And you're not even supposed to give a shit that Bumble died. The fat, woman abuse victim is beaten to death by a dictator, and your takeaway is meant to be, "It's so sad that Clear Sky is being blamed for murdering her, now they're all preparing for self-defense against a homicidal maniac, oh nooo :("
And I think that DOES make her deserve the win here! Alex is a MARTYR. Everyone with a brain agrees what happens to her is bad. It happened in her canon because it was bad. We talk about her and keep her memory alive. Bumble gets dismissed entirely out of hand because she's "just a cat in a kid's book" as if that doesn't make it worse, and as if the kid's book didn't treat a domestic abuse survivor like a moron for even asking for help.
Anyway, just to reiterate, I love DC fans. It's not all of you guys. Alex was done dirty and deserves justice-- and it's even kind of a shame that all she became is "The Fridge Woman." I haven't even heard people talk about how she was a wary, responsible person who was still ready to rock with Kyle's new weird glowstick powers, or that she was a journalist, or that she just got brought back in another edition as a Green Lantern only to be revealed as an illusion and re-absorbed back into Kyle's mind. Nope. Even her fans just remember her as The Fridge Woman.
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a baby leftist wants to read
To all my (fellow) intersectional leftists,
I've recently gotten more into leftist media (tiktoks, video essays and books) and I need some book recommendations! I'm currently reading "The End of Policing" by Alex Vitale and it's really good. i like how organised and clear it is, with current systems, why they don't work, and solutions that are proven to work without harming the communities in question. I've realised I'm really interested in police and prison and methods of control in society so anything about that would be cool!
Other stuff I'd love:
The history of the LGBTQ+ community and marginalised genders
The history of ethnic minority/global majority groups
Stuff on disability/neurodivergence
Medical system and disability/POC/LGBTQ+ people/women
An introduction to concepts such as capitalism/communism/socalism/anarchy
The current education system (standardised testing n stuff)
Just anything that'd help me be more verse in how to help change the world mwhahaha
I've always loved reading and I read everyday, but I'm definitely a new leftist so please bear that in mind :))
Thanks for reading :]
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