Do not be afraid of failure!✨
A little progress a day goes a long way. Start with minimizing your daily spending and replacing debit card purchases with credit card purchases. However, pay the charge right off before your due date to avoid having a large statement bill to pay at the end of the month. Only make purchases with your credit card that you would have made with either cash or your debit card. This way you know that the funds are available for you to pay right back. Creditors love to see that you’re using your card monthly but what they love to see even more is that you are able to pay on time and make more than one payment a month if need be. #LCCLLC✨