New year new…credit score? I certainly hope so!
Now is a great time to start working on fixing blemishes on your credit if you have any. I didn’t have anyone sit me down and talk to me about what things affected my score, what a good/bad score was, how to increase my score, etc. So I got my first credit card at 18 and handled it very irresponsibly. I learned the hard way how having a bad score
can WILL hang a dark cloud over your ability to prosper in life. Fortunately I started straightening up my act and making better financial decisions.
Here’s what I’ve learned while improving my credit score…
I just want to start by saying that this post is in no way an attempt to coax anyone into buying me any of these things. I’m a writer so I’m simply giving you ideas for other writers. *insert smiling with angel halo emoji*
As with all creatively led folks, writers can be a bit complex and difficult to understand. OK maybe that’s just me as a person. Anyway the point is that it may not be easy to think of gifts to get because creatives are seemingly all over the place at times. Don’t worry though, I got you! Here are some things that any writer would appreciate receiving.
If you’ve been reading the blog for awhile, you know that I’m a frugal gal who loves a good deal. I try to get as much done as I can, while spending as little as I can. Decorating is, like, SO fun and I was so excited for the holiday season that I had my tree up before Thanksgiving. Judge me, IDC.
Even though I’m zealous about this time of the year, I still didn’t want to buy expensive decor especially when it’d be stashed away in just a couple of months. I also enjoy thrifting but I didn’t have the time to run around town hunting for crazy markdowns. I wound up improvising but I pulled it off for less than $50! I’ve decorated on the “dime” before (read about it here) and am sharing my ways with you all over again! Let’s get to it, shall we?
When I was growing up my family had a real Christmas tree every year. We’d load up into the car and head to a tree lot…OK it was more like the corner of a strip mall parking lot with trees already cut down and for sale. We always got the cheaper tree – no fir! Oh the memories!
But I’m an adult now and this is my first year forming my own traditions. The biggest decision for me…real tree or fake tree? Hmmm.
I couldn’t believe that I was even considering a fake tree. My mama raised me better that. But then again mama wasn’t here to help me load and carry a tree from a parking lot. So I decided to use the virtually fool proof Pro/Con list to decide which was best for me. If you’re still undecided on what kind of tree you’ll have for 2016, this could help!
Selfish: concerned chiefly or excessively with one’s own interest and advantage, especially to the point of total exclusion of the interests and welfare of others
It seems that people hate it when you call them selfish – even if they really are. So I’m not going to call you that today my friend. But you’re reading this post for a reason. Maybe you know someone who could use these tips. If so, please share it with them! Because of course YOU don’t need them at all! :-.)
It’s probably no surprise to you that I write in a journal. I don’t use it everyday although it’s great practice to do so. It seems that a lot of people use journals when they’re young, especially in the preteen years; but then stray as they get older. It makes sense because as adolescents we have so much going on (physical/emotional development, confidence issues, being separated from childhood friends) and may not always have a person to talk to about those changes. At that point in our lives a journal feels “safe.” But then we get older, busy. Journaling isn’t just for the youngin’s. Here are a few reasons to get back into using a journal today.
By now you probably know that I’m seeing a therapist. It’s one of the best decisions that I’ve made for myself. If you’re thinking about finding a therapist you might wonder if it’ll be worth it. The short version is AB-SO-FREAKING-LUTELY. OK – ‘yes’ is the shortest version. Here are some things that will happen once you get into the routine of seeing a therapist.
After this post you might might be considering getting a therapist. If so, great! Personally, making that call to set up the first appointment was hard. I straight up told my therapist that even though I needed to talk to her, I really didn’t want to. I also didn’t know what exactly would happen at the first appointment.
What you should do…
I’ve been seeing a therapist every week – surprise surprise! Until now there were only a handful of people who knew that. Now the whole world wide web knows – sorry mom. It’s been on my heart to share this with my readers because there is still a stigma surrounding mental health especially in the black community. We can share silly memes like this one:
Photo Cred: IG – everythinglovely
…but we shy away from the real issues. Those days have come to an end for me. OK MAYBE I still act a tad crazy but I’ve stopped avoiding my issues and am working to be a better person! Here are the reasons why I decided to get my life back in order by seeing a therapist.
How are you feeling? Good? Overwhelmed? Content? A variation of all three?
Sometimes life just gets weird, ya know? But lately I’ve decided to take better care of myself physically, mentally and emotionally. For one I’ve stopped working so much and am doing more things that make me happy no matter how small it may seem. Sure I’m all about ambition but before that I’m Candace. I can’t forget that and you shouldn’t forget who you are either. Here are some things that should put a smile on your face.