Save Money The Easy Way

It is easier to save money than most people think. One way is to fix your credit.

I am not sure whether people do not care or if they do not know that credit can make or break any loan that they may want to take. In addition, the better your credit the better the rate and payments you will get. For example, a person with a FICO of over 720 should find no problem getting a loan. Especially, compared to a person in the low 600s. When taking a loan for real estate, the person with the 720+ will pay hundreds of dollars less per month for the same house compared to those with low FICO scores.

When dealing with people with bad credit, one thing stands out the most; the majority of people are not financially disciplined. Many Americans are living paycheck to paycheck and utilizing too much credit. And buying things they do not need. They act on impulse without any restraint. They live solely for the now and have no thought of the future.

If you are one of the people mentioned in the last paragraph, you need to read this post about discipline. Actually, only the first part is about discipline.

I can tell you all I want about financial responsibility and discipline. But you must do it yourself. I can not make you do anything. As the old saying goes: You can lead a horse to water but you can not make it drink.