It’s the first day of February and as January comes to a close I’m not sure weather to be happy or sad. I hoped to accomplish more in January, I feel like I didn’t do much, but when I actually sit down and think about the month, I did a decently good job. I posted to this blog more than I thought I would. I downloaded Lightroom and started editing some older photos. I hung out with a good handful of friends, more than once. My husband and I bought a bed! And to top it off, I checked my credit score on Friday, and I’m actually in “Fair Credit”, which is amazing. I spoke about this a bit before, but when I was 18, I moved out of my parents house, I ran away from my Uncle. In doing so, I destroyed my credit. Over 4 years of living on my own when I was not financially capable, destroyed my credit. But I never blamed him, I could have. If he would have never did what he did, I would have lived at home with my parents until I was actually ready to move out. If he would have stopped sooner, maybe I would have felt comfortable at home. But, I didn’t have to run, there are probably many ways I could have handled the situation, but when a situation like that arises, you don’t always make the best choice. All I knew was I needed to get away from a threat.
I killed my credit so bad that I couldn’t even open a bank account on my own, no one trusted me with money. In order to open a bank account, my husband; then boyfriend, had to open an account with me. He didn’t have bad credit, just didn’t have much of a credit history. I worked hard for 5 years, paying off debt as I could and if it wasn’t for my husband, I wouldn’t be where I am today. It was because of him that my name was put on his credit card, that my name was put on a loan for a vehicle, all of which helped build my credit back up.
It’s been even more important to me to get my credit to a good score because we are hoping to buy a house this year. And as of Friday, my credit score number would be FHA acceptable. Now, I still have one small thing to pay off, which I’m doing tomorrow, but I made it. It is an amazing feeling of accomplishment, and I wanted to share it here, because this could be part of someone’s struggle after going through something like I went through. Honestly, my husband was my saving grace, I wouldn’t be where I am today without him. And although someone going through a similar thing, may not have that, please don’t give up. Keep fighting, keep pushing, keep taking one baby step after another and you will get there. I know it is hard to stay positive, I still struggle with staying positive also but it’s so worth it.
I have a lot of catching up to do, from not being on here in such a while, so you’ll see more posts from me today.