This post is sponsored by Lexington Law but the content and opinions expressed here are my own.
It’s here! We’re in the last part of 2020. We all know this year hasn’t gone on as we have planned. Which is why; we need to turn it all around. This past Sept I turned 30 and have realized how much having a negative credit score or debt can impact so much. Your credit can deter your life, depending on your lifestyle. Being in your 30’s you learn a lot more about credit and things you need it for than you did in your late teens and early 20’s. That’s why a Summer credit clean up is the perfect time to rethink your finances.
Reevaluate your budget
Summer activities usually mean that we spend more money. So a Summer credit clean up is really necessary. Food, trips, home, entertainment etc and just fun things we think we need to purchase during the Summer. Make a budget on what you actually need for necessities, if you’re doing any home renovations make sure you add this to your budget, trips you have planned, day trips you think you will take that will require spending more than usual. This is the time to reevaluate your budget since Christmas shopping will be starting over the next few months. Student loans don’t stop during these times so it’s great to be on track with them.
Expenses and other reports
Summer is a great time for renovations. Like above add it in your budget but also if you do make an expense report this will go over well come tax time.
Consolidate everything if you can
My husband and I are planning on paying off our SUV for a bigger one. We recently went over our budget on what we could afford monthly. We also used our budget where my income wouldn’t be considered and just save that income. Just in case any bumps we may hit in the road.
Use rewards programs when you can
There are so many rewards programs out there you can use by phone, apps or even your laptop. You can earn points, use as gift cards towards new purchases or even cash in for cash. I do this to pay towards my student loans or everyday necessities we need.
Use Lexington Law Firm for credit repair:
It’s always great to get a professional look on everything. Lexington Law is one of the highest ranked credit repair companies that provides free credit consultations and credit repair assistance.
Especially if you are planning any big purchases. How things will impact your credit score or finances in general? Lexington Law Firm are leaders in credit repair. Since being a blogger / stay at home mom my income is looked upon differently. When trying to apply for a car loan in the past I’ve been declined. Even though my score is over the average number my debt to income ratio sometimes gets in the way. Making it seem like I am in over my head.
I opted to try Lexington Law Firm to help me get back on track. The skilled team of certified lawyers and paralegals at Lexington Law will leverage every law for your credit!
With a new baby on the way making sure everything is on track is on our to do list.
WILL YOU BE DOING A SUMMER CREDIT CLEAN UP? HAVE YOU TRIED LEXINGTON LAW FIRM?