The credit score

I’ve spent the last few years watching my credit score fluctuate and it has brought several emotions mostly brief sadness and anxiety,loll…😂

The feeling it reminds me of,is seeing your investment or stock value drop significantly(only investors will understand this)It’s really not for the weak.

If you are reading this and still experience these emotions,I admonish you to be strong and develop a very neutral attitude towards it.After all,it’s not the end of the world and as they say now, “it is what it is”.

Now,here’s what I want to commit to this year;becoming debt free which means paying off EVERYTHING I owe(currently around £4000),of course excluding my student loan debt with SFE.

I know,that for some or most people in their 30’s reading this,£4000 is nothing and you wish you had that much little debt but to me that’s like £400,000 and I don’t like it.

I say this because I almost never owe anyone except my sister and my phone company.It literally takes me prayerful consideration before I even attempt to borrow anything especially money from people.I’ve always believed that the borrower is a slave to the lender and I generally don’t like feeling indebted to anyone so I really try my best but life happens and we gather some dust along the journey.

Also,I’ve only ever had one credit card which was under £600 in my early twenties.I must add that,I mismanaged it as you would expect and ended up spending the last few years paying for it.Yes,years,because the debt kept increasing.Don’t ask me how!

A lot of people are misinformed about credit cards and are misled to believe that they are a curse but they are actually a great source of credit builder and actually a blessing once used correctly.

I mention credit cards because I plan to get one after clearing my debt,hopefully before December 2021 and getting one for myself so that I can build my credit as my credit utilisation is pretty low right now.

PS,if you have no clue what credit utilisation is,check Credit Karma(previously called noddle) or ClearScore or Experian or Google😀

Credit building will require a lot of attention to your spending,prioritisation of needs and spending in general,timely payments of bills etc so don’t start it you are not ready to discipline yourself now for the sake of your future.

I will end this here for now as I realise this is getting a little long but I will show you some of the images of my credit score I have tracked over time to give you a better perspective of what I’ve just shared.

So I shall you in the next one,hopefully✌🏾❤️

Tilly.x

Believe in yourself

Hi readers,

Hope you are keeping well despite Covid-19?

I woke up this morning with this on my mind;BELIEVE IN YOURSELF.

I was wondering where it came from and I thought,is this message for me? As far as I am concerned,I feel like I need to tone down in many areas so i don’t become the overconfident and annoying person and I have found that I am gradually muting myself.

I am becoming so aware of this to the extent that i am starting to fight it and make sure that I remain exactly who I am whether it makes people uncomfortable or not.

My thoughts were confirmed a few hours later when I stumbled accross a video on Hustle and Heels’ Instagram page(HERE) of Bozoma St John speaking.She said in that video that she could not understand why people didnt see how dope she was around the age of 12/13 and I FELT THAT because I have had that literally all my life.I have felt misunderstood or misconceived many times in life .Here’s a link of what she said for some context…click LINK

As soon as I heard what she said,the message I had in the morning hit me again and this time,further weight was added to it which gave clarity to the message and I knew straight away that it was my message. Lollll😂

I say this because lately I have been dealing with a not-so-mild direction,autonomy or leadership issue with my own digital content with my blog,my YouTube, IG and other stuff in my personal life and I have been doubting whether the direction and paths I am taking are being influenced by my opinions,personal desires etc.

I have moving with extreme caution as result because I don;t want to make any unnecessary errors in this season and I seem to not trust my leadership especially now that I have to do things differently due to lockdown.

The message that was confirmed for me was;Trust what you are about,trust your own content,trust your gut when it comes to what you feel led to release into the world without waiting for someone to endorse it or give me the go-ahead.

I was reminded that the right people will connect with my message and hesitation will prevent my message from reaching the right people at the right time.

I was also reminded not to delay,to act and to trust that there is a purpose for my content online and I should just believe in myself a tad more.

I am writing this thinking whether there are any other areas of my life that this message applies to and the answer is yes which means I have some growing to do(HOW I LOVE GROWTH)

For anyone reading this who feels like they could do with a bit more confidence or believing that they are worth soemthing,or that they can contribute something,or evven that they are annointed to contribute,I urge you to have more faith in yourself,to trust that you are more than capable and that you are offering as much quality as anyone else or another person you are looking to endorse or approve what you come up with.

I just want to encourage you to keep going and give your best while you can and the right impact will be made in the right time.

So in the mean time big up yourself and above all trust that you are led by God and so you cannot get it wrong!!!

Speak soon.x

Bissou😘