Got to Stay on Track

Now that Mr. Burgher and I have worked on paying down our debt, we have got to stay on track. We have dreams, you know? There are things we’d love to do, like eventually buy or build a house that accommodates all of our needs. But we have to keep up with ourselves and not let things fall back to our old ways.

One of the things we are going to do soon is get a free credit score to make sure there is nothing out there reporting incorrectly. This is something you should do yearly anyways (and are entitled to), so why not? Besides, it’s a good way to keep tabs on what could be going on out there in your name while you have no idea.

Another thing we are going to have to do is make a plan for what to do when emergencies come up (read, savings account needs some help). We’ve learned the car needs new tires (and shouldn’t drive in the snow until then) and the truck needs a belt adjusted or replaced, and those things cost money. But we are so used to the paycheck to paycheck life that it’s very “when it happens, it happens”. But, you have to be prepared.

We are going to be working hard over the next few months to keep things going, because we never want our credit report to look like it has. What are some of the things you do to stay fiscally healthy? Tips are welcome!


One response to “Got to Stay on Track

  1. remember when you have anything pull your credit, you have a period of a few weeks at least where you wont be dinged for “excessive credit inquiries” you get a few a year but it is always best to coincide your credit report when you know your credit is going to be pulled elsewhere. For instance, buying a car, house, or opening a credit card/account.

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