I don't remember the exact moment that YOLO began to define my credit score. Maybe it was the time I bought that $400 game system for my brother that he stopped using after a month. Or the shopping spree I went on every other week because I “needed" new interview clothes, concert clothes, traveling clothes, brushing my teeth clothes and everything in between clothes.
Every time I headed to pay for these things, a ball of guilt formed in my throat. I knew I shouldn't have been spending money. I had JUST paid my card minimum to get my credit balance back to $32. Nevertheless, I shrugged my shoulders, yelled “WHY NOT?" and dug myself deeper into the debt pit of hell.
Living paycheck to paycheck sucks but it was a reality I had accepted after getting my first real job after college. Claiming I had no money, I still managed to travel, eat out, shop, enjoy concerts, and get my nails done regularly. But last year, I decided enough was enough.
Through the loans, the credit cards, and bad habits, a massive debt amount of $86,411.27 stared back at me.
Yes. You read that correctly. This financial burden had also left me with a piss poor credit score of 585.
So, after a major breakdown in my car when I watched my paycheck go to nothing, my best friend ordered Dave Ramsey's The Total Money Makeover for me. After reading it, my edges were not only snatched, they disappeared.
For the first time, I had a vision.
I wasn't becoming disciplined because it was responsible or fun (although it was eventually), but I was choosing to change a pattern in my family. I wanted to be free of dodging bill collectors, attracting high interest rates, and throwing away my check to four maxed out credit cards. I wanted to know what it was like to go into H&M without frantically checking my bank statement to see if I had enough. I wanted to stop the broke and boujee cycle. I wanted financial freedom.
With these new goals in mind, after 12 months, I was able to raise my credit score from 585 to over 700. This was all while earning $30K from my first real job. I had to struggle. I sacrificed the turn ups, girl trips, and even moved in with family to save on rent.
But I pushed myself to break free of a generational habit of “I'm bad with money" syndrome. This is what I learned along my journey from a credit score of 585 to over 700:
I Got Clear On What Happened To My Credit
If I wanted to create a plan, I had to know what I was working with. I realized that I had to face my debt head-on and truly understand my credit score.
Before I started The Total Money Makeover with Dave Ramsey, I sat down and saw what I had been spending most of my money on. The site I used was Credit Karma, which tracked all my credit, loans, and transactions. Can you guess where most of my money was actually going? After credit card bills, it was fast food and shopping.
This brought me to the realization that “paycheck to paycheck" was a choice that I was making because I somehow found coins for other expenses – not necessarily a reality I had to settle for. This helped me cut my budget down to include just the things I needed and pay fast food and shopping to dust.
I Put An End To Credit Limit Increases
This was one of my biggest mistakes ever. When I couldn't keep up with my bills, I would call the bank and ask them to extend my credit line.
Little by little, this dug me in my biggest hole. I thought by receiving more money, I would manage it better, but I was just wrapping more chains around my wrists. Those were truly moments of desperation and I knew I couldn't continue to put myself in a place that forced me to beg for more credit.
This meant I needed a tight budget so that I knew where every penny went. I even cut up my credit cards altogether. This physically forced me to stop depending on them.
I Accepted That Debt Could Not Be Conquered In A Day
Once I totaled all my debt and realized how huge of a mountain I had to climb, I knew I couldn't conquer it all in a day. Instead, I decided to try the debt snowball that money guru Dave Ramsey talks about.
Listing out ALL my debts from largest to smallest, I came face-to-face with this monster I had created.
I picked the smallest debt and just attacked it. That required some missed happy hours and trips to the mall, though. But once I paid off one debt, it created confidence and momentum for me to move on and keep going with paying off the other debts.
Closing Accounts Hurt Credit More Than It Helps
When I actually started knocking out my debt, I wanted to close EVERYTHING. “Just get those demon cards out my sight," I said.
But I learned that closing the accounts would only prove to hurt my credit. What you might not know is credit reports love when you've kept accounts for a long time. It shows that they can trust you.
So even when I began to pay off a credit card, I kept it open to help positively impact my score.
Know That Broke Friends Won't Be Very Supportive
Look, getting your credit score up is HARD. And I hate to say it, but my broke friends did not understand why I was "so serious" about getting in a better financial situation. I had to stop discussing my finances with my deeply-in-debt friends because I often got answers like:
"One purchase isn't gonna hurt anything."
"You have your entire life to pay back your loans."
"It's time to enjoy yourself."
They were like the Hooded Kermit advocating for staying in debt. They didn't mean any harm, but I knew that I didn't have peace. I was tired of going from check to check. I was tired of barely pulling enough pennies together to go on a sub-par vacation.
I had to avoid money conversations with the people who discouraged me from getting my life together. On the flip side, I found some accountable people who walked alongside me during the days I really wanted to quit.
A Financially Free Debt-Free Life Is Truly Possible
When I saw how low my credit score was, I realized that if I wanted to get control, I had to be all in on this financial commitment.
Getting out of debt can be so overwhelming and seem nearly impossible, but as I created a plan and prayed to God, I realized that this was something I could do on my own. Even if it took some time. I had to trust that the process would continually remind me of why financial freedom is something I deserved.
Conquering your credit score is a mindset and it isn't for everybody and I still have a long way to go. But with a budget, a vision, and some sacrifice, I am now able to breathe easier knowing that I'm setting myself up for success.
And I wouldn't change a thing.
Did you know that xoNecole has a new podcast? Hear more about this story and how xoNecole founder Necole Kane, along with co-hosts Sheriden Chanel and Amer Woods, are working to tackle their credit scores and debt on the latest episode of xoNecole's Happy Hour podcast. Listen now on Itunes and Spotify.
Featured image by Getty Images
Originally published on December 29, 2017
- how can i raise my credit score 100 points in 6 months | Credit Karma ›
- 7 Ways To Improve Your Credit Score | Bankrate.com ›
- 3 Steps Could Improve Your Credit by 100 Points — Fast - NerdWallet ›
- How can I raise my credit score fast? | Experian ›
- Boost Your Credit Score Fast With These 7 Moves | Money Talks News ›
- 11 Ways to Improve Your Credit Score | Credit.com ›
- 5 sneaky ways to increase your credit score | Clark Howard ›
- 11 Ways To Raise Your Credit Score, Fast ›
- How to Improve Your Credit Score | Experian ›
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Being a bridesmaid. In some ways, I don’t know if there’s a tighter line to walk than being happy for a friend who has found her bae for life while you’re trying to figure out if and when your own time will come.
Well, since June, September and October (which are all steadily on their way) continue to be the most popular months for jumping the broom — if you are a lot like Corina (Javicia’s character in the movie) and you’re wondering if you’re gonna be purchasing bridesmaids dresses for others without a wedding gown for yourself for the rest of your life, here are a few things that I certainly hope you will keep in mind — things that I hope will cause you to see being a bridesmaid in the best light possible.
1. Bridesmaids Are “Marriage Cheerleaders.” That’s a Dope Thing.
GiphyIf you’re in a relationship that looks like it’s headed towards marriage, please check out “Why Every Engaged Couple Needs A 'Marriage Registry.'” As a marriage life coach, a marriage registry is actually something that I recommend engaged couples to have because it’s all about cultivating a support team for various areas of your marriage — and y’all, that’s basically what bridesmaids are. They’re not just a group of women who look cute in a dress at a wedding; they are individuals who have agreed to stand by a bride’s side as she shifts into becoming a wife.
Hmph. Don’t get me started on why, when it comes to selecting bridesmaids, it really shouldn’t be about your history with them so much as the relationship that they have with you and your soon-to-be husband in the present because, if they can’t have your marriage’s back, they really should be in the audience (if they are there at all).
For now, in order to stay on topic, I’ll just say that the best way to look at the role of a bridesmaid is to compare them to a cheerleader. Cheerleaders are individuals who are there to encourage teams in an enthusiastic and optimistic kind of way. And honestly, when someone you care about asks you to serve in this capacity on their wedding day, it’s an honor because they trust that you are happy for them, that you are in agreement with their decision and that you will keep them inspired and motivated well beyond the day that they say, “I do.”
And people who are in this type of head and heart space for someone else? How could good karma not come their way? Because when you know how to be thrilled for other people’s blessings, the universe finds a way of rewarding you for your selflessness.
Let’s keep going.
2. Weddings Ain’t Marriages. Marriages Ain’t Weddings. A Bride and Wife Are Not (Exactly) the Same.
GiphyHow many times have I said, somewhere, that while big expensive weddings ain’t personally my thing, if that’s what folks want to do, I certainly ain’t gonna knock it because, once the wedding day is over, that’s when the real work — which I prefer to see as maintenance (check out “Relationships Shouldn't Be 'Hard Work.' They Should Be Maintenance.”) — truly begins. Sadly, when it comes to this, some folks don’t have a clue.
Whew, I can’t tell you how many times I’ve told a woman that a bride is a bride for a day — a wife, though? That’s a whole ‘nother set of responsibilities entirely (which I will elaborate on in just a sec).
My point here? If you’re someone who has a collection of bridesmaid dresses in your closet and the question, “When is it going to be my turn?” is getting louder and louder in your head with every ceremony that you participate in — remember that what you are witnessing is an elaborate party that deserves to be a little over the top. After all, it’s a celebration of the decision that two people made to spend the rest of their lives together.
At the same time, though, never forget that the wedding day itself only lasts for a few hours and, once the festivities are over and they come back from their honeymoon, real life sets in. This means that what you need to really ask yourself is 1) are you caught up in the hype of the wedding, and 2) have you really thought about what is required to make a marriage work — and last. Because chile, although (and thankfully) most of the wives in my space do not regret getting married (check out “What Should You Do If You Feel Like You Married The Wrong Person?”), what easily 80 percent of them have told me is that they seriously underestimated what the day-to-day of marriage entails.
To further drive this point home, I actually asked five wives to share with me what they think is the difference between being a bride and being a wife.
Wife #1:“It’s selfish to think that your wedding day should be all about you and not your groom — but let’s be real: guys don’t really care about that stuff, and so a lot of the focus is on you, as the bride. If you think that’s what marriage is about, it can make you entitled and selfish. Then, when it’s all over and it’s time to be a wife, you will think that you still should be served all of the time without doing much work. You have to do daily work — every day of your life.”
Wife #2:“If I could do it over, I would have cut back on the wedding planner and put more money into longer premarital counseling because two one-hour sessions ain’t gonna cut it. Brides are hyper-focused on one day without really thinking about what follows. You need some therapy to get your mind right, because when I tell you that marriage will throw you all the way off if you’re not prepared? You have no idea.”
Wife #3:“I have single friends who say that they think they are missing out because they aren’t married. I love my husband and wouldn’t change a thing, but single people are crazy to think that there aren’t some perks to being single. Don’t let that big dress and diamond fool you. If you’re a good wife, you’ve earned them and you will have days and nights when you miss not being single anymore.”
Wife #4:“Being a bride is a fantasy. Being a wife is reality. I don’t have a better way to put it because who dresses up, gets gifts, and dances every single day? As a wife, what you do do every day is compromise, negotiate, and get challenged to become a better person. If you’re not ready for that, keep hanging out on rooftop bars with your single friends. I’m dead serious.”
Wife #5:“A bride is someone who lets the world know that she wants to be a wife. A wife is someone who puts that intent into action. The thing about a bride is she’s that for one day, but a wife has to keep showing up every day of her life for the rest of her life. It’s rewarding, but it takes more out of you than people think. People who envy wedding days usually want the attention, not the commitment.”
This comes from people who have lived it. So yeah, if you’re someone who fantasizes of becoming a wife one day, make sure that you ask yourself if you’re merging bride and wife together without really thinking about the sacrifices that wives make — because, as you can see, there are many, chile.
3. Every Relational Status Has Pros…and Concessions
GiphyI’m pretty sure you’ve heard someone say that you shouldn’t get too invested in the relationship goals that you see on social media. The main reason why is because most IG posts show you the good times without also sharing the blood, sweat, and tears that were required to make those times possible. Hmph. Not to mention the fact that every single relational status has its own pros and extreme compromises — and when it comes to compromising, when you’re married, because two people are involved, that is definitely the case.
I mean, as a single person, just think about it — you can take a trip without running it by someone else; you can spend money without consulting another person; you can make both little and large decisions without seeing how someone else feels about it; you can move without worrying about how it will directly affect another individual; you don’t have to divide your personal time unless you absolutely want to; there aren’t people who you have to be around, simply to make another person happy, and you don’t have to “meet in the middle” when it comes to certain values, goals or even traditions.
Listen, back when I wrote articles like, “10 Words That'll Make You Totally Rethink The Word 'Single'” and “10 Bona Fide Benefits Of Being Single,” I did it to remind as many people as I possibly can that as a marriage life coach, I will be the first to say that a healthy marriage is all kinds of awesome; HOWEVER, that doesn’t mean that being single ain’t super bomb too.
It’s all in how you choose to look at things. How are you?
4. Envy Is Love’s Enemy (Across the Board)
GiphyAlthough there’s no solid data on the percentage of bridesmaids who are jealous or envious of the bride on her big day, trust and believe that there is plenty of content out in cyberspace that addresses it. One forum that I checked out talked about a bride who had to deal with a bridesmaid who told her that she was jealous about not being selected to be the maid of honor.
An article featured the story of three friends (who honestly seemed low-key toxic prior to the wedding) who refused to be happy for the bride during her four-day wedding event. Another forum talked about a sister who was so consumed with wanting to be engaged that she was flippantly dismissive about her sister’s upcoming nuptials.
Ugh. Ugh to all of this because, although it’s understandable that you may want something that someone else has (we all do sometimes, if we’re gonna be completely real about it), one of the ugliest things about jealousy (the fear of losing what you have) and envy (being caught up in what someone else has) is they cause you to put all of the focus on you…even when it is completely the wrong place and wrong time to do so.
Since a single person doesn’t have a husband, what I am going to focus on (most) for this point is envy; especially since even the Good Book tells us that love doesn’t do that (I Corinthians 13:4).
Symptoms of being an envious person?
- You either don’t know how to or refuse to celebrate others
- You’re hypercritical of other people’s choices or decisions
- You spread false information in order to cause discord or confusion about other folks
- You give disingenuous or backhanded compliments
- You try to downplay the goodness and success of other people
All of this is pretty ugly, right? Hmph, no wonder the Bible says that envy can’t be present wherever love is. All of this actually reminds me of a quote that says something along the lines of “Envy is counting someone else’s blessings more than your own.” It also reminds me of a 10th Commandment (Exodus 20:17) which tells us not to covet, which not only means “to desire wrongfully, inordinately, or without due regard for the rights of others,” it also means “to wish for, especially eagerly.”
What’s a trip about coveting is that while it can mean that you want someone else’s groom (please don’t), it can also mean that you are so eager that you end up making reckless decisions, all because you envy what someone else has, in general. Listen, I’ve had a wife say to me before that the loneliest night in bed as a single woman beats a bad marriage any day. Again, as someone who has worked with married couples for well over 20 years at this point, I couldn’t agree more.
Don’t envy. It gets you absolutely nowhere…good.
5. Everyone’s Love Story Is Unique. Do Not Compare.
GiphyThere’s a Black-owned T-shirt and sweatshirt company called Lake + Prosper that features two tees that I think amplify my final point exquisitely well. One says, “My goal is to outdo me, not y’all,” and the other says, “own lane. own race. own pace.” At the end of the day, what both of these remind us all to do is not compare ourselves to others — this includes when it comes to our love story.
See, what else you’ve also got to keep in mind is when it comes to each person’s romantic relationship journey, there are SO MANY FACTORS that come into play — including timing. And timing is something that you really don’t have any control over (other than making sure that you do what you know needs to be done). And that’s why comparing the brides whose weddings you’ve been in to your own situation is, well, it reminds me of a quote on comparing by Iyanla Vanzant that I like a lot: “Comparison is an act of violence against the self.”
She ain’t lyin’ either because many mental health experts are quick to say that comparing yourself to other people is not only counterproductive but basically futile because it evokes negativity, causes you to feel inadequate, can make you want to beat yourself up, triggers feelings of resentment and it can make you put unrealistic pressure and expectations on yourself.
And gee—how is that good for your relationship with your soon-to-be married friends, how does that improve your relationship with your own self and also, how does that prepare you for the relationship that you will have with the love of your life…when everything that is necessary aligns and says that the time is right? IT. DOESN’T.
In an article that I once read on comparing, the author said something that is oh so very right: “By comparing ourselves to others we’re negating our own road and demanding that the past be different than what it was. The demands we place on ourselves to be like those we’re comparing ourselves may sometimes be motivations for change, however they are more likely to lead to feelings of diminished self-worth.”
Bottom line, as tempting as it may be sometimes, comparing works against you, not for you. Choose to celebrate, not compare.
____
Listen, being sick and tired of always being on the side of the bride instead of being beside your own groom can be human sometimes. I won’t take that away from you. Just make sure that you choose to keep certain facts in perspective: that just because it’s not your turn, that doesn’t mean your time isn’t coming; that negative feelings keep you further from what you desire, and that every person you care about who gets married before you deserves all of the love, encouragement and joy from you that they should reciprocate when your time comes. Stay positive. It’s good karma.
That said, instead of hating the thought of wearing another bridesmaid dress, determine to be fly as ever.
It’s one day closer to what you ultimately desire for yourself.
And a reminder that it can happen.
When and how it should.
Amen? Amen.
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