In the beginning, I thought the answer to getting out of debt was simple: spend less. I made spreadsheets. I canceled subscriptions. I gave up streaming platforms, stopped getting my nails done, and switched to generic everything. For a while, it felt empowering—like I was finally being disciplined and doing what grown women are supposed…
Category: Debt & Credit Management
The First Time I Felt Like I Was Winning With Money
For a long time, money just felt like something that happened to me. The paycheck hit, the bills took their slice, the rest vanished in a blur of groceries, MetroCards, and random purchases I couldn’t even remember making. I was always broke, always stressed, and always trying to figure out how the hell people were…
Taking the First Step: Creating My Debt Repayment Plan
Once I had that eye-opening moment of realizing just how deep I was in debt, it was time to do something about it. The hardest part was accepting that I couldn’t keep ignoring it. The next step, though, felt almost as daunting: creating a debt repayment plan. I knew I couldn’t keep floating by, hoping…
The BEST Day to Pay Your Credit Card Bill (and Boost Your Credit Score!)
Pay BEFORE Your Statement Closing Date This is the secret sauce. By paying off your balance before the statement closing date, you lower the amount that gets reported to the credit bureaus. Since credit utilization affects your score, keeping that number low can make a huge difference. Here’s a simple breakdown: Statement Closing Date: March…
The Best Credit Cards for Single Professional Women Over 40
If you’re a single professional woman over 40, you’re likely balancing a career, financial goals, and maybe a little well-earned luxury. Whether you’re focused on travel perks, cash back rewards, or low interest rates, choosing the right credit card can make a huge difference in how you manage your finances and enjoy your hard-earned money….