How To Rebuild Credit Score For Free

 A few years ago I went through some rough times and used cash for everything which caused my credit score to drop dramatically. Things started getting better and I thought it would be a good idea to try to get my FICO score back up so I can start earning rewards from my purchases and eventually get a loan for an investment property. I followed a very simple approach to rebuilding my credit that should work for everyone and I'm going to share it with you for free.

My credit scores started out as "Good" but below average and when I was done my credit score is in the "Very Good" bordering on "Exceptional" range.

There is no quick fix but rebuilding your credit score is a a very simple process. You just have to show you can use credit responsibly over a long period of time. If you don't know how to use credit responsibly I'll show you how. I'll go into more details but basically you follow these steps to build your credit and earn rewards.

1. Get a Discover IT Secured Credit Card
2. Use the credit card for one of your regular budget items every month
3. 5 days before the statement end date pay off some of the balance leaving no more than 30% of your available credit, preferably less.
4. When you receive the statement, pay off the previous balance in full to avoid interest.
5. After 12 months and your Discover IT Secured Card converts to a non-secured credit card, apply for another rewards card to earn more rewards.

If you follow these steps your credit should improve overall. Some months it may go down but at the end of the first year it should be much higher than when you started.

Hooks Creek, Cheesequake State Park Print For Sale

Wall art photographic print for sale, "Hooks Creek, Cheesequake State Park, NJ 9/2019".

There was a time in my life where I thought I could be some sort of fine art photographer. I even got to the point where I was getting ready for a showing at a small local gallery. Unfortunately my life wound up getting turned upside down for a few years and I spent a long time not being a photographer. It was a pretty dark time in my life, thankfully one I've been moving past.

The subjects back then were very different than the photos I'm posting on this blog and Instagram. Spending time in nature became an important part of getting past that period of my life. I thought I might try and share physical copies of some of things I saw along the way. This is the first print I'm making available. It's been decades since I've made an art print sale.

How To Reset Circadian Rhythm Naturally

Most of my life I have had sleep issues including insomnia, abnormal circadian rhythm and even sleep apnea. Nothing I did seemed to help, even having surgery. While I'm going to recommend some products that helped, the biggest change was to my diet. Relax, it's not some hipster superfood either, it's advice I got from scientific research and eating things you probably already have at home.

Two things I've been able to accomplish with my health and wellbeing is being able to lose weight and being able to reset my circadian rhythm. I've wound up talking to people about it a few times so I thought I'd share it online in case it helps anyone else. I'm not a medical professional, this is just what worked for me.

A couple of years ago I met an amazing woman who would wake up very early. I was never much of a morning person. Every morning I would get texts from her at 5am, 4am sometimes even as early 3am.  While things were early in the relationship I didn't want to blow it by waiting too long to respond so I tried to do research on sleep problems. This wasn't the first time but I stumbled upon a paper that must of had the right info. I'm still waking up early, we're still together nearly 2 years later.

10 Minute Vegan Burger and Fries Recipe

Vegan Burger and Fries in 10 Minutes Sproxno PT0M PT10M PT10M Breafast healthy, vegan, burger, french fries, quick meals, lunch, dinner

It's important to have quick, healthy meals ready to go if you find yourself in a time crunch when you're also trying to maintain or lose weight. One of my quick lunches or dinners is a Vegan Burger and Fries which I can cook in only 10 minutes using an Air Fryer.

10 minutes for a burger and fries is faster than I can run to the closest drive-order, order, pickup and scarf down on the drive back. My vegan version actually has more protein with fewer carbs and fat as well as overall calories. I do make less fries and substitute a small salad or steamed vegetables to help fill me up.

I usually make this with frozen Aldi's Empower Burger which uses pea protein and is similar to Beyond Burgers and Impossible Burgers though not exactly the same. One nice thing about the Earth Grown Empower Burger is that it has more protein than the other 2 name brands.