Between 2012 and 2018, I was rarely on holiday.
Instead, when I wanted to see a new place, the first thing I did was find a job. These jobs range from tourist concerts to non-governmental administration, to teaching work that lasted an academic year. I loved to live in this way; this allowed me to see what it is like to live in many regions of the United States before making constant decisions.
I learned a lot about my country and met interesting people in places like Oakland, California, Knoxville, Tennessee, Moab, Utah and Ashville, North Carolina, before going back to where I grew up in Baltimore, Maryland. As a freelance writer, it was my dream.
But moving many cities means finding a lot of places to live, sometimes in a very short time. I hired many types of homes under different conditions ̵
Although I live with variable income, which includes freelance work, student loans and credit card balance, sometimes I never gave up a rental request. I stick to some basic bottom lines to make sure my 740 credit rating remains intact and freedom is always on my hand – here are the best tips I can give you about it:
Always, always, always make time payments
Even when you are broken. If you can not make a payment, call your credit card company and ask for a one-time forgiveness – and think of a plan to pay it (plus more interest) next month. Remember: one time means once . Sometimes we all need help but do not abuse this service. If you do, you'll pay for it (literally).
Observe your credit report
Rely on credit monitoring services such as CreditKarma or Credit Sesame to track your credit report and prevent frauds and theft that could get you back years.
Use the Credits Simulator Tool as a Motivation to Keep Your Loan Utilization Low
Include your ideal financial situation to imagine what life will be like when you pay off your balance. By looking at your hypothetical result, it's often the motivation you need to pay off all your balance sheets and keep your credit utilization rate below 30% – the magical number to maintain a high score.
A good credit simulator tool (credit karma has) will allow you to see what will add the debt to your report, as well as take all hypothetical car loans, consolidation loans or large purchases.
Find out the difference between "good" debt and "bad" debt
Although all debts can be crippled, some types of debt affect your score more than others. Credit card debt is not good and you need to eliminate it as soon as possible while budgeting to make sure that if you use your card you have a plan to pay it every month. But given that student loans do not abstain from almost every landowner (they were there).
Think long-term … eventually
Your credit score affects your ability to move around the world. While life with inconsistent cash flow makes things interesting, keeping a good credit score is not impossible. Inconsistency is not bad if you expect it – plan for drought in a time of abundance and take care of what you can control without apologizing.