We must Rebuild!

My credit, that is. Yeah, it's waaaaay down there. I'm not ashamed to admit it. It is probably something that we should be talking about anyway, but don't. I hope to start teaching my kids alot about money. Savings, credit, buying vs. renting, credit cards and student loans, the whole bit. All the things I never learned growing up...'til now I mean.

So today I got a micro-mini loan that will get reported to the credit bureau. I didn't get it for the money, so I only got $100. But it's a five month loan, so I'll pay it for three months, then on the fourth month I'll pay it off and open a larger one. It's a little more in interest than a bank would charge, but I have to start at the bottom. I filed bankruptcy a few years back, but I still wasn't in a financial position to be any better off after the bankruptcy. I hope to have gained at least a 100 points by this time next year. I am VERY excited about this big step! I'm now taking charge of my financial future. My independent financial future.

I already have an appointment to get another loan next week for a little larger amount. I know, I know. Rome wasn't built in a day...but it did take more than one person! Yeah, I really do need that much help! Who knows, by the spring I may be able to get a gas card!