How to Build Your Credit

I posted something on my instastory a few weeks ago about accomplishing another goal of mine. My goal was to get my credit score above 800. I had a few people reach out to me after my post asking how I did it and how to build theirs. Let me just say I was hesitant to make this post because I thought people would think I was bragging, but a good friend of mine gave me the push that I needed and if you don’t like it, leave.

When I first started trying to build my credit I was so confused on how to build it or why I had to put myself into debt to build it. Not everyone has parents who help teach them & we all know the school systems failed us in real world skills so hopefully this helps & let me remind you I’m not an expert. I started by getting a small car loan. If you are paying your parents and the loan is in their name, GET IT IN YOUR NAME! Get on your own insurance. Get on your own phone plan. Start making your own monthly payments. Taking on debt and slowly making your monthly payments proves that you are capable of paying someone back. We start small and next time you will qualify for more. Opening my first credit cards was the next step.

BEFORE YOU DO THIS :

  • Research to find the best card(s) for you. Ones that you can keep long term because closing accounts is not a good thing.
    • For me I found a card that has really good cash back benefits but a higher interest rate because I never carry a balance on this card which means that I buy all my regular stuff that I would use my debit card for but I just pay it off each month so I get the cash back rewards but never interest.
    • I also have a really low interest not really any benefits card that I use for emergencies or larger things I might not be able to pay right away.
    • Another card that works great for me is the best buy card, I love it because they have deals where you have no interest for 2 years or 1 year different things like that. I purchased my camera on it and re-calculated what my payments needed to be to pay it off before I started getting interest charged.
  • Set boundaries for yourself. Do not let yourself go past the limits you set for yourself & keep a level head because it’s not free money you have to pay it back. Trust me when I say I learned from watching other people’s mistakes & its not fun to dig yourself out of a financial mess.

OTHER TIPS

  1. Always make your payments on time. Set up bill pay. Set phone reminders. Automatic payments are amazing. Whatever you need to do.
  2. There is an ebb and flow when it comes to building credit which means your credit score will go down when you open a new credit card or when you get a new car loan but on the back end of things when you’re paying it back it will grow your credit far beyond where it was prior.

My last and final tip….

DOWNLOAD THE CREDIT KARMA APP

It will assess your situation and give you tons of stats based off of your current situation it looks at your total number of accounts, credit history, credit card utilization, payment history etc. If you’re not sure where to start with looking at cards, it will have suggestions for you & other things you can do to improve your credit. They make everything super easy to understand & color coordinate from Red on the bad end to orange, yellow, light green to dark green which is good. Shout out to credit karma for helping me reach my goals!!

*I decided to add one section explaining why building your credit is important especially when you’re young. INTEREST RATES. Being 21 I think a lot of people are surprised by the car I drive but for me it’s a super easy payment to make and one of the things that plays into it is that I qualified for the lowest interest rate they even make for car loans. Another benefit is being financially set up for those of you who want to get married or start a family one day. I have a high enough credit score I could buy a house when that time comes. I promise it will pay off and save you money by building your credit!!

Xx, Kennah

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“The Advice Book”

I wanted to make a post about “The Advice Book” I made for my little sister for Christmas. It’s such a sweet & sentimental gift to give to someone you care about. I’m actually not that crafty when it comes to making presents like this, but this one was actually pretty easy. I bought a blank journal from Target and got to work. My opening page (which I cried writing) is pictured below to help give you an idea. I wrote lessons I have learned along the way about boys, self-confidence, money, friends and threw in some quotes that have stuck with me over the years.

Here are a few examples :

“Be content with the process & where you are. You may not be where you want to be one day, but you will get there. Don’t waste today wishing it was tomorrow because the time will pass you by.”

 

“When your heart hurts :
– Eat Ice Cream
– Go for a Drive
– Listen to Sad Songs
– Listen to Happy Songs
– Take a Bubble Bath
– Buy a new Outfit
– Play with a Puppy
– Take a Trip
– Have a Dance Party
– Re-Decorate
– Watch Me before You to remind you that your life isn’t THAT bad.
– Buy yourself flowers
– Spend time at the Gym
– Kiss a cute boy
– Cry with a friend”

 

“If it won’t matter to you in 1 year, let it go.”

 

“LOVE is not a reason to tolerate DISRESPECT.”

 

“Happiness is just a way of looking at life.”

 

“Growing up is a lot different than you think it is going to be. Don’t set unrealistically high expectations. Take things for what they are and just go with the flow. Life is so good & worth all the hard times you will go through.”

 

“You’re NOT a snack if everybody has a bite…. you’re a FREE sample!”

 

“Negativity in all forms will kill your happiness before anything else. Get rid of negative people & negative thoughts.”

 

“Credit cards will get you in trouble. PROCEED WITH CAUTION.”

 

“People can’t read your mind, you have to learn how to communicate your feelings in a nice way. AND it will be different with every boy you date or every family member/friend you have.”

 

“Assumptions make an (ASS) out of yo(U) & (ME). *if you’re confused it spells assume.”

 

“DON’T :
– Push away the people who care about you.
– Stop learning
– Rely on others for your own happiness
– Do anything that doesn’t make you happy
– Beg for anyone’s attention
– Stop until you’re proud”

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Xx, Kennah

 

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10 Cute Books You Need in Your Life

  1. Little Book Of Life Hacks

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2. How to Live Like A Lady

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3. The Useful Book44066124_000_b

4. Read This If You Want to Be Famous

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5. Recipes Every College Student Should Know

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6. Adult-ish: Record Your Highs and Lows on the Road to the Real World

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7. Eat Pretty, Live Well

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8. Womanskills

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9. Start Where You Are

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10. Almost Adulting 

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Xx, Kennah

 

Break-up Guide

This is my ultimate break-up guide. It’s not my favorite thing to be writing, but if it helps even just one girl through this awful process it is worth sharing for me. There’s a few things I want to start off with that aren’t steps, but I feel are still important for you to know and understand. Break-ups aren’t easy for anyone and they happen to everyone! You absolutely will be happy again and this is not the end. Your life isn’t over. You will move on and you will find someone again one day who can give you what you want and make you happy. Everything happens for a reason. I promise if they were meant for you they would still be here. They wouldn’t have put themselves in the position to loose you if they wanted to stay. This was meant to happen. It will make sense one day and you will be thankful.

The first step to my break-up guide is to accept that the past is over, you can’t think about what you could have done differently or think about regretting it. D0n’t let thoughts of them and who you thought they were take over.

The second step is to take the time to be sad or do whatever you want to do (only for a few days max). Lay in bed if you need to, eat ice cream, cry, or watch a sad movie.

Third, you need to get out of the house. Try to keep yourself busy. Go out with friends to dinner, (you have to keep eating and drinking even if you don’t feel like it make yourself) visit with family, or throw yourself into your work. Do your regular life stuff like going to the gym, running errands, getting your nails done. (DONT CUT YOUR HAIR! If you’re thinking you want to I encourage you to wait at least 3 weeks to think it over carefully).

The fourth step can be hard, but is essential in moving on. It’s time to delete your ex from social media accounts. When moving on sometimes it’s tempting to want to see what they’re doing or obsess over it. I promise you might think you have the self control now, but one day you won’t. Out of sight, out of mind. If you want to keep old pictures or texts do not go through them until you know that you’re ready and DO NOT TEXT THEM (try to do a phone cleanse or text a friend instead every time you feel the need).

4.5 I made a half-step because this isn’t totally necessary, but it is for me. Find songs that make you feel good. (Delete any songs that remind you of them). Sing your heart out in the car and in the shower. Try to loosen up a bit and forget about the heartache for even just a few moments.

My favorite step #5, (this is where it starts to feel okay, even if it’s just while you’re doing it) try something new. Something that you never did with you ex, something brand new that doesn’t remind you of them or make you feel sad. It’s important to do things on your own and find new hobbies until you can go back to doing the things you used to without feeling sad. You will get your sense of independence back and you can even set new goals.

6. HAVE FUN! Try to laugh and don’t let yourself just exist, be alive and present. Learn to let go and become you again.

When you’re ready you will be able to move on. You will be able to go out with other people. Just be careful not to do it too soon or push yourself. You’ll know when you’re ready. When you are, don’t start comparing them to your ex. Remember no matter how hard it is they will never be the same as your ex. No two loves will ever be the same and your new love can be better, stronger, and hopefully forever.

Best of luck with your break-up and if you need extra help or advice you can contact me here.

Xx, Kennah