First step in repairing your credit

If you want to repair your credit, if you want to turn your money problems around, one of the first things you have to do is this...

Why am I so broke every month?

STOP DIGGING and keep track of your income and your expenses

You may hate the word "budget" but this is really what you have to do if you want to get on the path to good credit. You have to put yourself on a budget.

You need to know how much money is coming in and you need to know how much money is going out. Your incomes and expenses write them down.

Spend some time to write down how much money you make and write down every single spending expenditures that you have on a daily basis. Try it for at least one month.

At the end of the month, compare how much you make to how much you spend.

I know there are programs out there to help you keep track of your incomes and expenses but, if you are really serious about this, know this... There is a magic in writing things down on pen and paper... Do this on pen and paper.

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