Some people look forward to January and large refunds but there are a lot of folks – like me – who’ll put off filing a return until the April deadline. Whichever end of the spectrum you fall on, there are some things to take into consideration before filing your return and most of them need to be done by 12/31 in order to be honored by the Internal Revenue Service.
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.