6 Tips for Repairing Your Credit

When we were in the process of becoming homeowners, one thing I was diligent about was  keeping an eye on our credit report to make sure nothing bad happens.  I began monitoring our credit report when we started paying off debt and  enjoyed watching our scores rise….slowly…but in the right direction.  Monitoring our credit was  a great tool for us because it has allowed us to educate ourselves on how credit scores are calculated and how the whole system works.  By monitoring I have been able to raise our scores across the board by informing different bureaus that they were not reporting on a ‘good’ account.

For us, there are a few things that I have found that helped us raise our credit scores quickly and I felt that is always information that is helpful to share with others.

6 Tips for Repairing Your Credit

 

  1. The first thing you should do, if you don’t already have them is open a checking and a savings account. I know, this doesn’t sound like much, but this is where it all begins. By opening these accounts, you are linking your name and your social security number to a financial institution. When you have a well established banking history, lenders are more likely to extend credit to you.
  2. If you do not have any revolving credit, get yourself a secured credit card. This is a credit card that you can usually get through your bank or credit union or other banks such as Capital One. This is a credit care where you are the one who is funding the card by placing a security deposit in which becomes your card limit and then you pay your monthly bill. This is a great way to establish a credit history and show that you can be responsible with your credit.
  3. Take out an auto loan. Yes, you read that correctly. You wouldn’t believe how much it helps your credit when you take out a loan to purchase a vehicle. Places like Earnhardt Auto Centers Dealerships (AKA Mr ED) located throughout the Metro Phoenix area, work with the Nation’s top financial institutions to help you buy or even lease the right vehicle for you and your family and offer a multitude of flexible payment options in order to best fit your budget to make it easier to stay current on your payments. Every time you make a payment, it gets reported to all three major credit reporting agencies, helping you rebuild your credit.
  4. Pay all of your bills on time. This is very important. Make sure all of your monthly bills are paid on time and nothing gets sent to collections because they can all lower your credit score.
  5. Check your credit report. If you haven’t, grab a copy of your credit report and make sure everything on it belongs to you. If not, dispute the items that are incorrect.
  6. Monitor your credit. You can sign up with different services, some for free and some for a monthly fee to monitor your credit score each month. This will allow you to see you credit score, know when it goes up or down, if any new accounts have been opened or if anything has been closed, any inquires, etc.

By following just these few steps you should be able to raise your credit score drastically in just a few months time.

Low Cal Strawberry Cupcakes

Since we are trying to live a healthier life, I have been trying to find new foods to introduce to the family. Since we all tend to have a sweet tooth, I wanted to find something sweet yet low cal to eat.
Problem solved.
Meet Low Cal Strawberry Cupcakes.

Less than 100 calories each!
Ingredients:

1 – Strawberry Cake Mix

1- 12oz can Diet 7up

1- container Fat Free Cool Whip

 

Directions:

Pour cake mix in a bowl, slowly add whole can of soda, mix and put batter into cupcake tins.

Bake as directed.

Cool

Top with a dollop on Cool Whip

ENJOY!!

 

Soft Or Firm: How Do You Sleep Yours?

Sleep is a precious commodity in our busy world that we live in. If you are spending a lot of time at work and not much of it relaxing, then there’s every chance that you are taking time to get to sleep every night. The less you sleep, the harder it gets for you to get into the routine or being able to settle down each night. The most important thing that you need to consider when it comes to sleep isn’t necessarily your lifestyle choices. It’s your bed.

The bed you choose – the size, the shape, the bedding, the mattress – all of it gets put together to create something that your body can literally sink into at the end of the day and relax on. We spend a third of our lives asleep; that’s a long time! If you were going to be wearing high heeled shoes every day of your working life, you would make a conscious effort to find ones that are not only supportive but are comfortable and don’t cause you pain. This should be the same effort that you put into finding the right bedding and mattress. You can use websites like Mattress-Guides.net for details on how you can figure out the best mattress for you. Real reviews matter when it comes to bedding and mattresses, and you need to consult your doctor if you want to figure out how to choose between a soft of firm mattress for your particular spinal needs.

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Did you know that your weight can play a part in the type of mattress you should use? A lighter person would find a firm mattress far harder and more uncomfortable than a heavier person who can really use the benefits of an orthopaedic mattress to sleep on. The very support that your mattress gives you is directly related to how tall you are and how much you weigh. If you pick a mattress that isn’t giving you the right support, it’s a good idea to check the weight limits and requirements from the retailer. If you find you are outside those requirements, then there’s your issue.

Before you splash the cash on a new bed, you need to do your research about whether you should be sleeping on a firm mattress or a soft one. Once you know which one is right for you, then you need to find the mattress that fits your budget. There are so many places that you can buy a new bed, and if you know where is best to purchase yours, then you should see whether you can get your mattress bought and set up sooner rather than later. Once you’ve got the bed sorted, it’s time to shop for quilts, pillows and comforters. All of these are going to really set off the comfort for your bed. There’s nothing quite like sinking into a clean, dry, perfect bed at the end of a very long day. Take the time to shop properly – your bed isn’t something to mess with!

Top 5 Safety Tips for Motorcyclists

Many of us yearn to ride solo on two wheels distancing long stretches of asphalt just to feel the high-powered adrenaline rush. Knowing that motorbikes are inherently more treacherous than cars doesn’t stop you from jumping on the back of the motorcycle. It can easily get you dancing with trouble if carelessly ridden. Safety should be your foremost priority even before getting on any bike. Here are a few tips that will help you up your ante against the odds of bike-riding.

  1. Self Defense is Key – Being defensive while riding can help you foil any chances of getting in life-threatening situations. As soon as the bike starts moving, all your senses and cognition should be on alert. Keenly observe obstacles like pedestrians, trash, gravel, reckless drivers and the likes on the road. Keeping safe distances from the vehicles in the front and sides of your ride can improve your reaction and response in the event of an impending disaster.
  2. Get into the Right Gear – A proper safety gear is life-saving and can get you harmlessly out of danger. Try to choose brighter and glossier gear to enhance your visibility on the road. A helmet and protective eyewear can improve your vision and focus. Remember to get a pair of good motorcycle riding jackets for everyday riding. They will help you keep warm and protect your skin from sun and dust. In the event of an accident, the safety gear is your safest bet.
  3. Know Your Bike – Skill and expertise in riding vary from person to person. Getting a bike that you cannot handle can certainly put you in danger. I have noticed many beginners hopping on to slick rides when their feet don’t even contact the ground. That signals immaturity which can unknowingly lead to misadventure. Knowing what to ride and where to ride are important considerations when choosing a bike. A dirt bike may just be the right fit if you are an off-roader but it will be a blunder to take it out on a speeding highway. Heavy bikes ride differently than traditional motorcycles. Elevated maneuvering can be trickier to handle. Knowing a few facts about your motorbike will help you keep it under control.
  4. Quick Decision Making – Always remember to be responsible for your own life. How you react and think during hard situations can determine your safety to a great extent. I always prepare myself for the unexpected in order to make the smartest choice. Think of other riders and drivers as novices and imagine none of them is experienced and careful. That keeps me on high alert! It’s a great preventive technique. One more way to dodge a situation could be distancing yourself enough to leave you with space to maneuver swiftly. Leave two escape points – on the right and left so that you merge elsewhere without hurting yourself or anyone else.
  5. Keep your Eyes on the Road – Strictly avoid any distraction in your clear vision. Sometimes, the beauty of the road or the country can fetch your attention and in those moments you can push yourself toward tragedy. Beware of sharp turns and speed limits, follow signals and move with the traffic – not before or after it. Always do a quick inspection to check the condition of your motorcycle. It can help you address any issues that could bother you later on the road.

Now you know what you should look out when you are going for your next ride. Stay safe and be careful – the thrill is good only until it kills. So, be responsible with your wheels.  

 

Snapology is the Franchise Kids Have Dreamed Of!


As a mom, I love for my kids to get involved in different activities. Over the years, I have had kids play soccer, baseball, flag football, football, golf, volleyball, basketball, tae kwon do, judo and gymnastics. I’ve had kids in band and choir, kids in Battle of the Books, Art Club, DECA, Supermileage, World Culture Club, Destination Imagination, musicials, German Club, theater arts, and I’m sure there are some I am forgetting.

With 5 kids, their interests vary and they all, have always wanted to try and explore new things and I have always encouraged that. We are big supporters of summer school, after-school programs, park and recreation programs, anything really that continues to foster learning when it comes to our kids. 

We were recently introduced to Snapology, a franchise coming to Madison, WI, that provides hands-on, interactive activities for children ages 1-14 using LEGO® bricks, K’Nex and technology. They create STEM learning experiences through classes, workshops, camps, birthday parties, school field trips, scouting events and more. 

I don’t know about your kids but mine, they are lovers of building, crafting and creating. I have one that loves to take things apart and reinvent them. I have another that would turn everything into robots if he could and someday, I think he just might figure out how to do it. I also have kids that love the heck out of science and math and since those are the subjects that I disliked the most, I do whatever I can to continue to feed their love and provide them with the tools they need and Snapology can do just that too! 

Snapology offers such amazing franchise opportunities that are affordable, flexible and can provide quick profitability that I am hopeful that someone will open one here in Green Bay in the near future because I can see it being a big hit, because I have seen just how quickly the STEM, coding and robotics clubs fill up at the elementary schools.

You can find out more about Snapology by visiting them online or search for a location near you.

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