As someone who has been in and out of debt multiple times, but now actively maintains an 800+ credit score, I can honestly say that credit plays a huge role in building a strong financial foundation.
Having healthy credit habits can open the door for you to leverage credit to your advantage.
If your credit score isn’t where you want it to be, don’t fret! You can start implementing credit habits now that cultivate a strong financial foundation.
And, I want to help you do that!
In this episode, I’m sharing 5 credit habits to build into your normal routine to cultivate a solid financial foundation. Remember, if I can do it, anyone else can too!
Again, as someone who has navigated debt multiple times and now maintains an 800+ credit score, I understand the importance of cultivating healthy credit habits.
Building and maintaining good credit is essential for creating a strong financial foundation, whether it’s for buying assets, increasing cash flow, or achieving your dream of becoming debt free.
These five practical habits can be incorporated into your daily life to boost your credit building efforts and take control of your finances.
Here’s a glance at this episode:
- [01:50] Raya shares what her debt and credit situation looked like before she started focusing on building good credit habits.
- [05:20] Automation can be a life saver for anyone’s financial situation. Raya recommends setting up auto pay to make sure no bills are left behind.
- [08:31] Raya leveraged the Snowball Method to pay off her debt. She prefers putting extra money towards the smallest balance debt to pay it off faster.
- [13:51] Reviewing your credit report is not the same as looking at your credit score. Raya shares where everyone can pull their credit reports to review.
- [17:34] Raya strategically uses open, no-balance credit cards to get activity on the card without carrying monthly balances.
“Credit is a powerful tool when used wisely. It can help you become debt free and build a life you’ve always wanted—starting with the right habits.”
Here’s What You’ll Learn in This Episode:
The best habits for credit building and achieving a high credit score.
Steps to automate your finances for better payment consistency.
Proven debt-reduction methods like the Snowball Method.
The importance of reviewing your credit report to catch errors or issues.
Strategies for leveraging credit cards without accumulating debt.
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This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!
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Resources mentioned in this episode:
Listen to Episode 15 – My Debt Free Story and Biggest Takeaways
Request a complimentary call with Raya to discuss your money goals!
Learn about Raya’s Financial Focus Coaching Program
Follow City Girl Savings on Instagram, YouTube, and TikTok
Join the City Girl Savings Facebook Group
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