It’s been a couple of days since my candid talk about my credit score.
My goal as I said is to clear my debt of about £4000.I have done a bit of thinking and I have decided I will be using the snowball method by Dave Ramsey;attack the lowest debt first.
At the moment,I have a debt of £580.85 with lowell I’m planning to get rid of so I’ve set up and a direct debit for the next 6 months to pay off about £10 a week till it’s all cleared and move on to the next debt.
I have inserted an image below(not mine)to give you an understanding of what I mean here.
I will keep you posted as usual.
Ps-this blog is an extension of my YouTube so I will sharing things on here that reflects what’s on my YouTube channel.
Till my next post ,jump on my YouTube to watch this video about money.
I’ve spent the last few years watching my credit score fluctuate and it has brought several emotions mostly brief sadness and anxiety,loll…😂
The feeling it reminds me of,is seeing your investment or stock value drop significantly(only investors will understand this)It’s really not for the weak.
If you are reading this and still experience these emotions,I admonish you to be strong and develop a very neutral attitude towards it.After all,it’s not the end of the world and as they say now, “it is what it is”.
Now,here’s what I want to commit to this year;becoming debt free which means paying off EVERYTHING I owe(currently around £4000),of course excluding my student loan debt with SFE.
I know,that for some or most people in their 30’s reading this,£4000 is nothing and you wish you had that much little debt but to me that’s like £400,000 and I don’t like it.
I say this because I almost never owe anyone except my sister and my phone company.It literally takes me prayerful consideration before I even attempt to borrow anything especially money from people.I’ve always believed that the borrower is a slave to the lender and I generally don’t like feeling indebted to anyone so I really try my best but life happens and we gather some dust along the journey.
Also,I’ve only ever had one credit card which was under £600 in my early twenties.I must add that,I mismanaged it as you would expect and ended up spending the last few years paying for it.Yes,years,because the debt kept increasing.Don’t ask me how!
A lot of people are misinformed about credit cards and are misled to believe that they are a curse but they are actually a great source of credit builder and actually a blessing once used correctly.
I mention credit cards because I plan to get one after clearing my debt,hopefully before December 2021 and getting one for myself so that I can build my credit as my credit utilisation is pretty low right now.
PS,if you have no clue what credit utilisation is,check Credit Karma(previously called noddle) or ClearScore or Experian or Google😀
Credit building will require a lot of attention to your spending,prioritisation of needs and spending in general,timely payments of bills etc so don’t start it you are not ready to discipline yourself now for the sake of your future.
I will end this here for now as I realise this is getting a little long but I will show you some of the images of my credit score I have tracked over time to give you a better perspective of what I’ve just shared.
I woke up this morning with this on my mind;BELIEVE IN YOURSELF.
I was wondering where it came from and I thought,is this message for me? As far as I am concerned,I feel like I need to tone down in many areas so i don’t become the overconfident and annoying person and I have found that I am gradually muting myself.
I am becoming so aware of this to the extent that i am starting to fight it and make sure that I remain exactly who I am whether it makes people uncomfortable or not.
My thoughts were confirmed a few hours later when I stumbled accross a video on Hustle and Heels’ Instagram page(HERE) of Bozoma St John speaking.She said in that video that she could not understand why people didnt see how dope she was around the age of 12/13 and I FELT THAT because I have had that literally all my life.I have felt misunderstood or misconceived many times in life .Here’s a link of what she said for some context…click LINK
As soon as I heard what she said,the message I had in the morning hit me again and this time,further weight was added to it which gave clarity to the message and I knew straight away that it was my message. Lollll😂
I say this because lately I have been dealing with a not-so-mild direction,autonomy or leadership issue with my own digital content with my blog,my YouTube, IG and other stuff in my personal life and I have been doubting whether the direction and paths I am taking are being influenced by my opinions,personal desires etc.
I have moving with extreme caution as result because I don;t want to make any unnecessary errors in this season and I seem to not trust my leadership especially now that I have to do things differently due to lockdown.
The message that was confirmed for me was;Trust what you are about,trust your own content,trust your gut when it comes to what you feel led to release into the world without waiting for someone to endorse it or give me the go-ahead.
I was reminded that the right people will connect with my message and hesitation will prevent my message from reaching the right people at the right time.
I was also reminded not to delay,to act and to trust that there is a purpose for my content online and I should just believe in myself a tad more.
I am writing this thinking whether there are any other areas of my life that this message applies to and the answer is yes which means I have some growing to do(HOW I LOVE GROWTH)
For anyone reading this who feels like they could do with a bit more confidence or believing that they are worth soemthing,or that they can contribute something,or evven that they are annointed to contribute,I urge you to have more faith in yourself,to trust that you are more than capable and that you are offering as much quality as anyone else or another person you are looking to endorse or approve what you come up with.
I just want to encourage you to keep going and give your best while you can and the right impact will be made in the right time.
So in the mean time big up yourself and above all trust that you are led by God and so you cannot get it wrong!!!
Hope you are all keeping well despite the challenging times.I thought I’d do a quick update about whats going on.
Life has been incredibly slow and we have all been left waiting for how things will unravel in the upcoming months.
I, like you have been left to a new home routine and I’m coping with my new life while appreciating the goodness of God in these times.
I would like to encourage you to hold on to your faith and your hope in the Lord in these trying times. Utilise your time wisely and make something out of this moment while you are at it. Thats what i have honestly tried to do and it has kept me sound.
For now,be in prayer as you prepare for the new release of the grace of God following this period.Stay sound and strong.
Hi everyone,if you have just stumbled across this blog,I would like to introduce myself to you.
My name is Tilly and I am a video content creator and a writer.
My goal is to educate people on some of the life lessons I have come to learn in relationships,money etc fully appreciating that I am a work in progress and there’s still more to learn.
This is going to be an extension of my thoughts on certain topics so I am hoping as always that it will be useful and a blessing.
I will be sharing some ideas on relationship,money,confidence and navigating career options.
I decided to go public with blogging after years of leaving it because I realised that a lot of people I spoke to did not know about some of the things that I have come to learn. I figured what better way than to share this than online.
Essentially I am hoping to connect with mainly postgraduates and anyone who is trying to figure out what their purpose is and how they can live a fulfilling life while contributing their best to the world.
I’m hoping these are a good reflection of my intentions with this blog so I hope to see you in my first post very soon.