Last week, we talked about what impacts your credit score. There are 6 factors that have varying degrees of impact. This week, we wanted to cover how I improved my credit score by 314 points and how you can do the same. It wasn’t always an easy path nor was it quick. It took me 3 years to go from a 445 to the current 765 score I have now. We’ll start out with my credit story and then jump into some actionable tips on how you can improve yours too. My Story In high school, I knew some people that got credit cards, but my parents always preached to…

Getting your personal finances in order can be a scary task. We want to help make it easier by breaking it down into more actionable steps. This week we want to talk about your credit score, specifically what impacts your credit score. Let’s start with the basics. What is a Credit Score? Your credit score is a financial snapshot of all of your debt and payment history that lenders use to judge if you are financially suitable to borrow and pay back the money they will lend you.  These companies or lenders will pull your credit report and credit score to compare against their criteria and either approve, deny, or…

Yes, this is yet another article in our series of me quitting my W-2 job. It was and has been a massive change to our lives and we are still trying to process all the emotions and new systems behind it. So today we wanted to give ourselves our very own accountability partner, YOU. We are outlining all the goals we have after I quit my job. We definitely need to have an end goal in mind so I don’t go on crazy rabbit holes and create the cure to cancer or something awesome but completely irrelevant. Take a look at our other articles in the quitting series: Why I…

Miss TTF is taking the leap and quitting her W-2 job. Find out why she quit her job in order to pursue a life more suited for her goals.

Set for Life by Scott Trench This is the book that fully changed my perspective of FI. I sincerely wish that everyone and their Mommas will read it to change their perspective too. And honestly hope to one day teach a personal finance course and have this book be a base to that curriculum. As Jered Sturm said in his review: this book could change the world. Mr. TTF was the one to get me on the FI movement and pushed me to read many articles about this newfound matter. (You can read all about it in Our Story.) I read many of MMM’s articles in the process. However, I…

Learn how to take your dream of retiring early with FI from just a dream to a reality by applying these 3 simple steps. And the best part is, you can start them all today! Newton’s first law of motion, often referred to as the law of inertia, states that, “An object at rest stays at rest and an object in motion stays in motion with the same speed and in the same direction unless acted upon by an unbalanced force.” “Excuse me?” you say, “I thought this was a blog about FI?” It absolutely is, but bear with me for just a minute while I unpack this law of inertia…

So what is financial independence and why are we changing our lives to join the movement?  As a disclosure, some of the links in this post are affiliate links, meaning, we can earn a commission on any purchases made through the link, without any additional cost to you! As I sit here writing our first post, I am listening to the song “Wagon Wheel” by Darius Rucker. There is just something about the words, the rhythm, and the beat of this song that takes me to this perfectly happy place. There, I daydream of the day we make it to FI. I look up to see the very beautiful Miss…