Instagram

  • Yesterday was almost 60° and today it “feels like” 21°. We had a handful of fall days and it’s not fair because I’m not ready to skip right to winter. There’s nothing better to get us all out of the house than a walk, especially because wearing Sloane puts her right to sleep. Anywho, trying to squeeze in a nap before we get Blaire from school because once we get home it’ll be a mad dash for me to shower and get everyone ready for Blaire’s first kindergarten parent/teacher conference. AND it’s book fair at her school. Who still gets excited for the book fair? 🤭🙋🏼‍♀️ #happilytrista
  • someone changed out of their pajamas today. it wasn’t me.
#happilytrista #rainbowbaby
  • daylight savings vibes... casually pouring coffee in my eyes today. what time were your kiddos awake? 
#dst #daylightsavingssucks #happilytrista #targetstyle
  • Sorry if this made you yawn. 🤭 I just love that Sloane feels the sleep dust when I’m wearing her, just like Benny did! 💕 Hope you’re having a weekend as great as this girl. She is one month old today! Still waking just at 1:30am most nights to eat... occasionally around 5am, too. When she’s awake she likes to look at lights and stare at mama. Whenever she does tummy time she rolls right over to her back. 🥰 #happilytrista
  • Tried some Pinterest-y nail art while the two older kids were at school this morning... and I’m ready to remove and do something a little less crazy when they’re all in bed tonight. 🤪 Real wild Friday night plans, am I right?
•
#nailsofinstagram #nailsoftheday #essie #manimonday #happilytrista
  • Sloane’s first Halloween... the one where it snowed 3 inches and was 20° outside. Woody and Jessie lasted about 30 mins trick-or-treating, then they wanted to head home to hand out candy. What was the weather like where you live? And how many pieces of candy do people give out where you trick-or-treat? Here, it’s a tie between “choose two pieces” and “grab a handful.” #blairebenandsloane #halloween #halloween2019 #happilytrista
  • ...when your mom takes too long in @target. Realized when we got out to the car that his binky was lost somewhere in the store. 20 mins into bedtime tonight I FINALLY found one in a diaper bag. 🙏🏻🙏🏻🙏🏻 #tristalovestarget #happilytrista #terribletwos
  • Today turned out to be the most beautiful day and we spent it at the zoo for “Boo at the Zoo”. Soaking it up while we can since Thursday is calling for snow. Think our kids will be fine with staying in to hand out candy? 😂😂 #thepetersoncrew #happilytrista
  • crib naps and sweet dreams 💤 #threeweeksold #happilytrista
  • As soon as dad walks through the door, everyone is fighting over him... and that means alone time for me! 🙌🏻 Jason loves being a dad and I love that @pampersus has stepped up to make things easier for dads by committing to install 5,000 changing tables in public restrooms across the U.S. and Canada by the year 2021. These changing tables will make such a positive impact in each community! I am talking more about it in my stories. #LoveTheChange #PampersPartner
  • #ad You can find me right here soaking up this newborn bliss! Today on the blog I shared the 5 ways to prepare for a new baby. I’d love to hear what tips/hacks you have to make sure new moms are ready to welcome their babies.
•
#AnythingforBaby #Gerber @Gerber #happilytrista
July 17, 2019

taking the steps to repair your credit

SHARE THIS

Why don’t we talk about credit?

As an adult I’ve found it so strange to look back on the things classes focused on during all of the years I spent in school. It feels like we never spent any time talking about things that would have such an impact on our day-to-day adult lives. I spent years studying algebra, dissecting animals and relearning some of the same pieces of history year after year… but never learned about the importance of credit scores, tax returns or negotiating a salary. For some reason, all of these things are still seen as taboo, especially for women to talk about. 

I can tell you I’d use information about finances WAY more than I use the biology of a frog. In the past four months we’ve bought a new house and now, drumroll, a new van! Making large purchases is stressful. All of the paperwork for financing is such a headache. And having poor credit makes it even tougher. Not only does it make it harder to find the right lender, it can cost you even more, as those with poor credit scores typically are approved with higher interest rates. 

I got my first credit card right after I turned 18.

I come from a family of savers and responsible spenders. Those who buy just the things they need, who carefully think through purchases before making them. My parents don’t believe in debt, other than a mortgage. They save up for any large purchases (vacation, cars, etc.) and don’t make the purchase until they have set aside that specific amount of money. Me? I got my first credit card at age 18.

As soon as I turned 18 I started getting the pre-approved offers in the mail. Having a credit card opened an entirely new world. A world of being able to order online from my favorite stores. Then I’d just use my “real money” to pay the credit card bill, you know, the money that wasn’t in my bank account YET. The money I knew would be on my next paycheck.

I am impulsive and if I want something, I need it. Clothes here, shoes there, new nail polish but then paying for a mani/pedi. Being able to slide a card without worrying about whether the money was there “right now” was just too easy for me. 

Over the course of the next year or so, I found myself with more than one card, just making the minimum payments. It continued for close to a year before I finally told my mom. Not only is she is an accountant, but she is, like I said before, a responsible spender. She suggested I cut up all of the cards and she helped me create a budget to allow me to pay them off quickly. I was so lucky she was able to get me back on the right path.

Bad Credit, Good Credit, No Credit?

Fast forward six years, I was out of college and working an “adult” job, commuting an hour to work each day. I needed a reliable car with better gas mileage. I went car shopping with my dad. It was a Saturday and we drove a few hours to Chicago to a dealership that had a few I was interested in. I found one and was so, so excited. When it came time to pay, my dad tried to write a check. (I was going to just pay them back instead of having to pay interest on a car loan) but the dealership said since it was a Saturday afternoon, they couldn’t cash the check immediately to know it was “good”. We would have to finance the car and then when they cashed the check on Monday they could close out the financing. They ran my credit and told me they couldn’t approve me on my own because I didn’t have “enough” credit. It wasn’t good or bad, it just wasn’t enough.

I knew there was bad credit and good credit… but no credit? I had no idea that was lumped in with “bad” credit in terms of what I would be approved for. But I had student loans during college! Lots of them. My parents paid them off 6 months after I graduated. Shouldn’t that have given me “good” credit? The car dealership said paying them off so quickly was the “problem.” We should’ve waited at least a year to pay them off to show I was responsible, to prove I could make the payments on time. Who. Knew.

From there I realized I needed to build up my credit. My dad co-signed for that car and I made payments on it for a year to help my credit. After that I got married and soon realized the better score I had, the better mortgage rates we would be approved for.

After tons of research, I found an easy way to build my credit was to sign up for a few store credit cards with great rewards, but the key is paying them off each month, yet cashing in on the rewards! Finding stores that would let me pay down my balance right at the counter after making my purchase made it easy. And while it doesn’t happen instantly, my credit skyrocketed within about 18 months. Having an Excellent credit score means we can get a better rate on a car or mortgage vs. what I could get when I had “no” credit.

Credit is Important for More Than Borrowing Money

Maybe you don’t want to finance a car. Maybe buying a home seems too far away. Maybe you don’t want a credit card because you only pay in cash. But it’s important to realize credit isn’t only important if you want to borrow money. I’ve had my credit run for everything from buying a cell phone to renting an apartment to signing up for cable to opening a bank account. Companies don’t want to do business with someone who doesn’t make payments on time.

I wish credit was talked about more often. I wish we taught kids how important it is in school. Geeze, I hope I can go to a class on it when it’s time to talk to my own children about it. Once you start researching, it’s eye-opening to see what you can do for your children to start them off on the right age with their credit. And luckily for my youngest brother, my parents were able to do just that for him.

You’re more than your credit score. But your credit won’t fix itself. CreditRepair.com is a leading provider of credit report repair services in the United States. They are a team of credit professionals who can educate and empower you to achieve the credit scores you deserve.

Credit is intimidating! Like I said, when are we ever taught about it without searching out the information ourselves? CreditRepair.com provides its clients with industry-leading technology including a personal online dashboard, a credit score tracker and analysis, creditor and bureau interactions, text and email alerts, mobile apps and credit monitoring.

Your credit score is not written in stone and it’s never too late to repair it. Get help today with a free consultation and kickstart your credit repair efforts. Contact CreditRepair.com today!

Say Goodbye to Bad Credit | the simple steps I used to improve my score + who to contact if you need help

    leave a comment

    Instagram

    • How many kids do you have? Which transition was the hardest? It may not be the traditional answer, but for me, becoming a mama to one was the hardest. I had NO CLUE what I was in for.
The mom guilt.
How long it would take to leave the house.
The sleepless nights.
Breastfeeding.
Losing myself in motherhood — feeling like I had to be with Blaire 24/7.
Adding Ben and now Sloane to our crew has been so much easier for me. It’s like they just fall in line with the crazy. 🤪 And I think being so much more confident in myself as a mom doesn’t hurt either. 💁🏼‍♀️ #motherhoodishard
•
#motherhood #momofthree #momof3 #clickinmoms #momtog #thelovelysquares #happilytrista #blaireandben #blairebenandsloane
    • ice cream outside with two of my favorite people. when it’s only 70° outside you can actually eat your ice cream without it melting all over us... and by us I mean them. 👆🏻👆🏻 #blaireandben
•
#2yearsold #5yearsold #momof3 #motherhoodintheraw #lifegivingsquares #petitejoy #motherhoodrising #ourcandidlife #uniteinmotherhood #mymamahood #seekthesimplicity #sharegood #joyfulmamas #documentlife #dailyparenting #momblogger #honestlymothering #therealparenthood  #thehappycapture #momsofinstagram #mytinymoments #thecreativecollective #realmotherhood #lifestyleblogger #stopdropandmom
    • Prepping for our third baby has been pretty easy so far. I guess when you have an older sister and brother, plus a mama who likes to hold on to everything from her babies, there isn’t a ton of shopping to do. The kids are having fun picking out little gifts to give baby sister in the hospital (something Blaire still talks about from when Ben was born), little toys here and there, PJs, and this @babyeinstein 4-in-1 Kickin Tunes Music & Language Discovery Gym at @target. I wasn’t joking when I said they wanted to test it out! #babyeinstein #ignitecuriosity #socialspotters #blaireandben #happilytrista
    • #ad I can’t believe this girl is heading off to kindergarten! With afternoon pre-k last year, we were lucky to not have to worry about the morning rush. So this year, our go-to is a waffle and a chocolate milk for the ride to school. Horizon® Shelf Stable Chocolate Milk is our favorite since we can easily grab it and go! Spoiler alert: she takes one in her lunch, too. Blaire is so excited, but little brother and I are sad to see her spend so much time away from us. But I am excited to be able to walk her to school and avoid the CRAZY drop-off and pick-up lines while the weather’s still nice, anyways. 
You can find @HorizonOrganic Chocolate Milk at @KrogerCo and you can even save $1 with this digital coupon (7/24/19 – 8/6/19). And you can stock up because Horizon Organic milk boxes are shelf-stable, meaning you can safely store them in the pantry. Shop now through the link in my bio. #blaireandben
    • Well we don’t have a Nordstrom near us, but we do have an Aldi. Most of their summer items are on clearance and we scored this sweet pool for $7. Winner, winner. 🦄☀️ #blaireandben
•
#summer #momentsiwanttoremember #aldifinds #motherhood
    • This summer hasn’t really felt like summer yet. 🤨 So when we have an 85° day we make the most out of it with a trip to the pool! How’d you spend your Sunday Funday? #blaireandben
    • another day, another doctors appointment for someone in our crew. today it’s Ben. he was up overnight saying his ear hurt — a double ear infection for him. luckily the kid loves taking medicine and hasn’t let his ears get him down! as long as he’s up moving around they’re fine, but the second he lays down... 😭😭😭. hoping our poor buddy is feeling better tomorrow. do you feel like you need a frequent flier card for your pediatrician? just me? okay. #blaireandben #itsfinewerefine
•
#uniteinmotherhood #motherhoodintheraw #momentsiwanttoremember #mybabies
    • When your brother is getting big but you still want to hold him... you gotta pinch his butt because he’s so wiggly. 😂😬😍 #blaireandben •
#petitejoys  #childhoodunplugged #letthembelittle #ohheymama #tagtheqc #mybeautifulmess #thehappynow  #thepursuitofjoyproject #thatsdarling #livethelittlethings #momentsiwanttoremember #everydaymoments #nothingisordinary #motherhoodrising
    • It is definitely bittersweet to leave the house where we brought both of these babies home. But we are excited for our next chapter as a family of five! #rainbowbaby #blaireandben
•
#pregnancyannouncement #rainbowbabyannouncement #firsttrimester
    • Last night was our first night in the new house. 👏🏻 We still have lots of stuff to bring from the old house and then lots of cleaning over there before the final walk through and closing next Monday. Then we can focus on getting this house unpacked and organized. But first, I would like a nap. 😴 #blaireandben #happilytristahome
    • The snow that never ends. 🙄🥶 Walked out into the snow this afternoon and one kid loved it, the other not so much. “Wowwww! It’s like a wizard out here.” —Blaire 😂
“Yuck!” —Ben #blaireandben
•
#bestofmom #momlifestyle #momlifeisthebestlife #motherhoodunplugged #mymotherhood #honestmotherhood #slowmotherhood #mymamahood #midwestblogger #eternalmotherhood #motherhoodintheraw #unitedinmotherhood #motherhoodrising #polarvortex