Are You Helping Your Credit Score?

Great Credit Score words over a high rating or number and target bulls-eye to illustrate an attractive candidate for loaning or borrowing money for a mortgage or other large money purchase

Most of us try to keep tabs on our credit score and understand how it is calculated. The calculations are generally complex and hard to understand clearly. There are a few things that you might think are helping, but these can harm your score instead.

  • Checking Your Score
    • Credit scores are important and the most used score is the FICO one you always hear about. There are quite a few different scores out there that can be used, and you might not be aware of them. Auto and Bank credit cards use a different scale than other lenders/credit, too. Pull your scores (free!) at different times of the year from all three bureaus to get a pretty good picture of where you actually are.

 

  • Paying Off the Balance
    • Yes, paying off your card is always a good idea and keeps you from getting into debt. However if you charge a bunch of purchases and run up the balance on your card, it still hurts your credit even if you pay it off at the end of the month. The balance that is reported to the credit bureaus can be taken at any time during the month. If your balance is high when the numbers are pulled, then your available credit looks much lower and the ratios don’t look as positive. A good rule of thumb is to keep your balance under 30% of your available credit.

 

  • Getting Rid of Credit Cards
    • We have all heard that closing cards can impact your credit score negatively. While this can be true, if you have good credit (say 750 or more), then closing an unused account every once in a while should not hurt you. You don’t want to pay fees on a card you don’t use, and if you have too many cards it may be easier for fraud to occur on your accounts.

Perfect Sewing Kit for Anywhere!

sew kit

This Pro Sewing Kit has everything you could ever need for sewing or mending on the go. It comes in a really sturdy case (the size of a CD case) with a zipper, which is perfect for keeping at home, in the car, or in your purse.

I can’t decide whether or not to give it to my daughter in college or keep it for myself! I will probably give it to her for emergencies, but I think I will get one for myself to keep at work. We will be ready for any wardrobe malfunctions.

It would be great on a camping trip, or just on vacation. All the sewing supplies are there, plus safety pins and even buttons!Almost everybody could use one of these sewing kit.

 

 

Disclosure: I received one or more of the products mentioned above in exchange for review from Giveaway Service website. Regardless, I only recommend products or services I use personally and believe will be good for my readers. Reference ID: pm3a644155407163c8bc89a764bb2385ad

Missing the Pup

patches collage

It has been 4 weeks, and yet I still miss my dog , Patches, so much. When I come home I expect to see him waiting there, wagging his stubby tail and happy to see me. He followed me everywhere- he was definitely a momma’s boy.

He survived his illness for about 6 months. Those months consisted of lots of medicine and little sleep for me,but I would do it all over again. He was just a special guy.He was loving and loved to play. He could give you the funniest looks (dirty looks , too, when you did something he didn’t want to do!)

Even in his death, he went peacefully and right before I had to go on a road trip. He saved me from worrying too much and he did not have to die without me around. He was such a good dog.

I am not going to get another dog for awhile. I need to catch up on sleep and maybe take a few weekend trips to just get away. My whole family loved this little guy and all his quirks. I swear in another life he must have been a human being,, because he always seemed to understand exactly what I was saying.

I know we will meet again, and I will someday get another doggy, but for now a piece of my heart is gone with his passing.

 

 

Yummy Peach Recipes

edited collage
August is National Peach month, and there are so many fresh peaches at the farmer’s markets and in the grocery stores. Here are 21 yummy peach recipes you will want to try for the rest of the season!

Peach Almond Bread

Roasted Peaches with Vanilla Wafer, Almond, and Brown Sugar Crumble

Summer Peach Pie

Peach Sauce

Spiced Honey Vanilla Peaches

Peach Muffins with Crumb Topping

Italian Fresh Peach Crumb Cake

Watermelon Peach Cucumber Salad

Peach Honey Sangria Slushies

Peach Basil Jam

Peaches and Cream Bars

Peach Cobbler in Mason Jars

Peach Compote with Honey Drizzled Yogurt

Peach Milkshake

Peach Hatch Chile Pepper Jam

Sugar Free Peach Pear Crisp

Spiced Peach Turmeric Smoothie

Peach, Yellow Pepper, and Thai Pepper Relish

SWEET GEORGIA PEACH CRUMBLE

FRESH PEACH GRANOLA AND YOGURT PARFAIT

Pineapple Peach Pie Smoothie