Day 365 of 2021

The year has finally ended and as always,I have done my reflection for it and reviewed my choices/decisions.

I’m currently binge watching finance videos on YouTube particularly ones from humble penny and assessing what areas I can improve on in my finances.I love Ken and Mary btw,they are such light in this generation!

My sister and I had a lengthy talk yesterday about what things we’ve done right or wrong and what we would like to improve on and most of it has been finance and sticking to systems we have put in place this year.

For me personally,I’m still looking at debts and my total is just under £2500 worth of debt so I will be taking that into the new year(sadly I suppose)and working on it.

I must admit that I’ve made some progress generally and also in my finances l,although not as much as I hoped for BUT little progress is still progress.

If you are in the same boat as me,I encourage you to hold on and practise some discipline and self denial in the coming year so you can reach your financial goals and preserve what you are working for.

I’m sure there are other things we can all review from our lives in 2021 but in all things give thanks so let’s all be grateful for what we have also been able to accomplish.

I hope to be more consistent on here in 2022 and share more on here as I practise and learn more about personal finance management.

So,as always,I will speak to y’all soon,God willing.

In the mean time,celebrate God and your loved ones and have a joyous new year!!!!


Payment history-Credit karma

This year has been a bit of a rough year although very good in some ways overall if I’m honest.In terms of my finances though,as already mentioned in my previous post,I could have done better.

I knew my payment history was quite bad but i didn’t realise how bad until I received an email this morning from ClearScore re my credit score.

I decided to check my payment history and I am gobsmacked!Lets just say I will leave my credit score to your imagination because I just can’t share it😂

On to a better year(prays silently)

Here is my payment history so y’all can appreciate that you are not the only one.

Kick ass in the last few days of this year if you can though by reducing your spending and increasing your earnings(if possible) that’s if you are able to do that.

I will try my very best over here too!

Update-Almost end of year

The end of the year has a way of forcing everyone to take stock of some things in their life.

For me,I usually tend to examine my health,my budget for the last quarter and my relationships with people.

Spending has been a bit of a joke this year as I’ve had a lot of rainy days with unemployment at some point and pregnancy the last few months.

I’ve had to reconsider my spending and manage it for the sake of my baby so much so that for the first time in my life I did nothing on my birthday in October btw and will probably not celebrate it in anyway(we’ll see)

My credit score too has taken a dip and if I’m honest I’m embarrassed to share the actual score figure right now.

I will tell you what my observations are in terms of what caused the dip and what I plan on doing to fix this problem that seems to rear it’s ugly head every now and then.

The main culprit has been late payments!!!

As you know,this reflects on your ability to pay or your commitment to clearing or paying debt you owe which is never a good look.Credit companies look at your repayment history and reflect it on your credit file.

As annoying as it may seem when you see dips,it serves as a challenge to work harder at building your credit and being disciplined with your spending and sticking to your budget.

Christmas is just round the corner and everything purchaseable is screaming at you to buy it.For me,I’m exercising a lot of self control this year and making sure I hit my savings goal and pay off at least one of my lowest debt at the minute(lowell debt of £294).I’m still doing the snowball effect.

I’m confident my credit score will look a little nicer in January or February and I will come on here to boast a little and show you what I have being able to accomplish.

Till then,those on the same journey,do your due diligence,copy me,have some discipline and let’s build our credits together.

Seasons greetings everyone,Tilly❤️