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7 Tips - How To Rectify A Missed Monthly Payment

7 Tips - How To Rectify A Missed Monthly Payment

Hello and welcome back to yet another blog post for you. Here are my 7 tips on how you can sort out a missed monthly payment:

1. Don't bury your head in the sand. Immediately contact your creditor to own up about the missed payment and come to an agreed repayment plan. Be honest about what you can afford to repay and stick to it.

2. Set up automated payments for future payments.

3. Make a kind request to your creditor asking them to waive any default payment that may affect your credit score.

10 Ways To Stop The Spending Habit

10 Ways To Stop The Spending Habit

Hello and good day to you. Without wasting too much time, here are my top 10 tips on spending less money and saving more on a daily basis:

1. Deliberately leave your purse at home or in the office when you pop out for lunch and you won't have any money to spend.
2. Bring in leftovers from the previous days dinner for lunch.
3. Own less belongings by decluttering, make do with the little you have knowing it's enough and know that you cannot replace the items that you've gotten rid of.
4. Pay your children for doing chores so that indirectly you are saving money through them.
5. If you hate the feel and smell of pennies/cents(as some people) do, throw them in a jar and take them to your bank to save them.
   

5 Tips to Improving Your Credit Score

Credit Score Restoration

Hello as it's been a while. In todays' post, I have 5 simple tips on improving your credit score.

1. Obtain, check and understand your credit report.
2. Query your credit report for unusual transactions or accounts
3. Settle or clear debts(new and longstanding).
4. Avoid taking on new debt
5. Regularly check your credit report but don't get obsessive about it

And as a bonus, I'll give you the most important tip which is the godfather of all tip: