5 Credit Habits to Cultivate a Strong Financial Foundation

As someone who has been in and out of debt multiple times, but now actively maintains an 800+ credit score, I can honestly say that credit plays a huge role in building a strong financial foundation. Having healthy credit habits can open the door for you to leverage credit to your advantage – whether that's buying assets, increasing your cash flow, or using it for investment purposes. If your credit score isn't where you want it to be, don't fret! You can start implementing credit habits now that cultivate a strong financial foundation. And, I want to help you do that! In this episode, I'm sharing 5 credit habits to build into your normal routine to cultivate a solid financial foundation. Remember, if I can do it, anyone else can too!   Here's a glance at this episode: [01:50] Raya shares what her debt and credit situation looked like before she started focusing on building good credit habits. [05:20] Automation can be a life saver for anyone's financial situation. Raya recommends setting up auto pay to make sure no bills are left behind. [08:31] Raya leveraged the Snowball Method to pay off her debt. She prefers putting extra money towards the smallest balance debt to pay it off faster. [13:51] Reviewing your credit report is not the same as looking at your credit score. Raya shares where everyone can pull their credit reports to review. [17:34] Raya strategically uses open, no-balance credit cards to get activity on the card without carrying monthly balances.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 15 – My Debt Free Story and Biggest Takeaways Request a complimentary call with Raya to discuss your money goals! Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

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