![]() ![]() All inquiries in the same 15 day period count as one inquiry. (This indicates that someone checked your income at some point.ġ0% is based on whether you’ve had new inquiries. One late payment can drop your score by 20 points!ģ0% is based on “balance and burden”, where they want you to have a lot of available credit you’re not using. She said:ģ5% of the score is based on how well you pay your bills on time. It was more specific than I’ve seen before. I also appreciated her take on ways to improve your credit score. ![]() (Uh, did I mention that most of this book was dreary?) Short version: sell things you own that you can’t afford to own and go get a second job. There was some good stuff in there about how to find places to cut in your budget, some of which would be worth the price of this book if you were fairly new to this. I’ve got one coming in tomorrow I can try it out on. This book has me headed over to my spreadsheet to see if I can’t set up a budgeting tool to use with my people. If, however, you need a root canal, better to get one than to be given a tube of teeth whitener. No bright promises of riches, no assurance that this will be easy, nothing but the drilling down of a determined accountant. It would not let you escape the reality that you’re going to have to spend less than you earn if you want to pay off debt. The topic was just as dreary as it could be in this relentless little book. Figure out what you’re already spending, and then take a look. The book is abbreviated and condensed into this series of articles on Money.cnn.įirst off, this book is nearly entirely about budgeting. This was a quick read from the library: Pay It Down: From Debt to Wealth on $10/day by Jean Chatzky. Januin Book Reviews / Financial wellness tagged book reviews / cash flow / debt / financial wellness / insurance / recommended / wealth-care checkup by Wendy Marsden (updated 194 days ago)
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