Most Americans have low credit scores, which translate into thousands of dollars LOST every year. If you want to reclaim all that money, you need to increase that score now!
Many people, however, don’t know that there are simple and effective ways to improve your credit score without much effort.
Here are some of them:
- Never make a late payment: this is the first thing they look when compiling your credit score. Avoid this at all costs.
- Increase your credit limit: the score is based on your credit to loan ration: If you increase your limit, then the credit scores improve.
- Get a balance transfer credit card or peer-to-peer loan: This is an easy way to reduce your costs.
- Decrease your credit utilization: Try to use other methods that won’t hurt your credit score.
- Use your old cards so they’re not closed: Loan utilization is an important metric.
- Get a secured credit card: This may help you build your score as a good payer.
- Check your credit report for errors and remove them: Many times you will find errors, be proactive.
You Can Afford Living Beyond Your Means
You just need to have an extra source of income! And you need an easy business, that will provide for you even if you have only a few minutes per day.
The best way to do that is by starting a side business. You need a simple, easy way to make money without having another job.
- The best way to afford expensive things is to have a side business that will give you the needed money.
As you will notice, the crucial step to retire early is to have a simple, reliable way to make extra money as you need it. You can also use that money to fund your lifestyle for the future, while spending only a few minutes per day, if you so desire.
The reason I recommend this business method is that I and many others have been using its simple formula for a few years.
Using these strategies, I have even made a lot of money during the lockdown, which was so difficult to everybody else.
Reasons why this will help you make more income:
- Simple to do: you don’t need an advanced degree to make extra money this way.
- Doesn’t take much time: you can make as much as you want, working from a few minutes to a few hours per day.
- You can work from anywhere: no need to commute to a distant office to make money this way. You can do it from home, and from your own living room.
- No need for dedicated equipment: if you have a cell phone, you’re good to go.
- No need for big investment: you can start this business with just a few dollars (less than a lunch in a restaurant).
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