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Finance

What to Do When a Bill Goes to Collections (It Happened to Me!)

No one ever wants a bill to go to a collections agency. But what happens if it does…and you had NO idea you even owed a debt? Yep, that happened to me. Disclaimer: I am NOT a financial advisor and the following is not financial advice. I am just sharing my personal experience. Always seek advice from a qualified professional before making major financial decisions. Here’s the story: Back in May 2019, I moved out of my apartment in Florida.…

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Finance

What to Do If Your Credit Card Application Gets Declined or Put on Hold

Getting a credit card when you’ve never had a credit card before is a struggle. But it can be done! I started with no credit history and I’m self-employed, so that makes it even tougher. If your credit card application gets declined or is put under review, I’ll show you exactly what to do! But first, here’s my history of credit cards: My First Credit Card: A Secured Credit Card From My Local Credit Union Date opened: Sometime in 2013…

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Finance

7 Financial Mistakes I Made in My 20s (And How YOU Can Avoid Them!)

#1 I waited too long to open a retirement account. Saving for retirement when you’re about 40 years away from it can feel pointless, but that’s actually the best time to do it because you can take advantage of compound interest. Because I’ve been self-employed since age 23, I thought I had no options for a retirement account since I had no employer. Usually, as an employee, you’ll have access to a 401K plan, which is sponsored by your employer.…

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