No Smoking Update May 20th!!

Well, I am now at 3 weeks no smoking!! Cravings for cigarettes are gone and I can go ahead and count the money I was using to buy them with as extra cash flow to my finances!!

Anyone who smokes can do this!! Just put your mind to it!!

Home finance update!!

When you actually take time and focus on your finances and try to formulate a plan you see small opportunities here and there. Today, I was provided an opportunity to change auto insurance due to my current company pulling out of my state. After checking around I have found insurance for $10 a month cheaper!

If you go all the way back to when I started this financial journey $10 would be right at a 60% increase in cash flow. That is pretty dang good.

Now, a new development happened today.  I received a pre-approved visa card. I know what everyone is thinking...oh no, not a credit card at this stage in the game.
Well, one thing I haven't discussed is my credit rating. Over the past year I have started trying to build it. I initially was approved for an eBay store card. After making purchases with the card and instantly paying them off as soon as it posted for a few months I was then approved for an Amazon store card. Using this same method I was the given an increased credit line.

After investigating how to build credit I found that keeping under 15% balance on your cards is very healthy with credit rating. My initial score around 3 years ago was in the high 400's. Now, as I am getting this new visa I am currently sitting at 678. According to the information I have read, and looking at the tips on a credit monitoring website I needed to have a credit card that was not just a store card. With this card over the course of about a year I should be able to take my score into the 700's which opens up a new opportunity.  A chance to by a home.

Buying a home in my oppinion will be my greatest opportunity to increase cash flow. I could own a house for much less than I am paying in rent. I am going to investigate how much I could save a month.

OK, here we go...total cash flow per month...$126. A heck of I leap from $16.

I will keep you informed on new developments!

Thanks for tuning in!!