Credit is a tool and not a goal for building wealth. Visit ping.fm/t4Fgs for great money strategies

Our most difficult challenge in getting out of debt is getting our mindset on healthy ways to manage our money. personalfinance

moneytip: Start small - try and trim $1 a day off of what you spend. Drive 5mph slower, buy the smaller size at Starbucks, etc...

Take Action: review the factors that go into your credit score and make sure you are appropriately using your credit. ping.fm/BU8UH

35% of our credit score is determined by how much available credit we have and 30% relates to our on time payments for the last 2 years.

daily affirmation: I am a great steward of my credit. ping.fm/XB08L

didyouknow The Discover Card was introduced by Sears in 1985 and became popular with consumers because it charged no annual fee.

quote: "#Friendship, like credit, is highest when it is not used."-Elbert Hubbard

thinkaboutit: The wealthy understand that interest is something you collect, not something you pay. money

quote: "The creditor hath a better memory than the debtor."-James Howell personalfinance