Credit Check.............

Well here it is.......How to get your credit in check Part 1!!!!!!!

Many of you have asked how to start or repair your credit so that you can be financially stable. First step will be to double check your report and make sure what is showing on your report is a reflection of the actual decisions you have made. So don't be fooled by the "freecreditreport" commercials or ads. And go to the only website that gives you your report:

www.annualcreditreport.com

This site will access all three credit bureaus that you need to know about:

Experian--http://www.experian.com/

Equifax--http://www.equifax.com/

Transunion--http://www.transunion.com/

You are allowed to see your report once a year per bureau.  So I recommend that you request a report from one bureau every 4 months. This way you see what each bureau is reporting and what changes are being made throughout the year.

I know you may also want to know what your score is but I do not think that's important when your trying to repair your credit.  The score is a direct reflection of what your creditors are reporting to the credit bureaus. So once you fix any disputes the score will self adjust (with time of course).

So you go to the site, you choose the bureau you want to start with, you pull your report, print it.......now review it!!!! Look for errors, if you don't find any good for you!!!! If you find some it's time to get to work.....Are you ready? I hope so, breathe its not the end of the world but it might be the beginning of a battle.

You will need to begin the dispute process through the bureau that is reporting the error so look at the bottom of your report for their contact information.  Draft a letter, with your account information and anything the bureau may need to identify you correctly. In the body of the letter state what the error you noted is and provide any information you have to support your issue. If you need some guidance here is a sample letter.

Stay tuned for Part II as I help you get your credit in check!!!!!


B*B*J*B Credit Rep

Honda Addict

On 6/6/06 I purchased my first Honda Accord and cannot seem to stop buying them. To date I am on my 3rd Honda Accord in a little over 6 years. I know I am a Honda Addict!!! But I wanted to share with you some of the good and some not so good decisions I have made regarding my car purchases in an effort to save someone from making a costly decision they will regret. Everyone thinks I never have spent a bad penny but I have not always saved good ones either. Here's my little story: Just after graduation I bought a 2006 Accord (weird right on 6/6/06 promised not planned).



In any case loved every single thing about it and Angelika loved me to. We lived in all parts of Florida until 2009 just exactly 3 years old things took a twist. There is one thing I don't like and it is repairing a car, which now I realize isn't the worst thing in the world. But you live and hopefully learn. So what do I do when my car starts costing money for repairs along with a car payment??? I follow the dealers false advertisements and go get a new car. Yeah I thought I was cool. Why pay out more money into an old car when you can put it in a new one. Right? So off my happy go lucky self goes and gets a 2010 Accord with even more features than before. The only problem was that I ate all of my equity which was about $4000 into a LEASED car. If you are reading this and and your not wealthy DO NOT LEASE A CAR!!! EVER! Sorry I had to get that out. Basically, you are wasting last every cent. So many people advised me not to do it and thinking I was grown and knew what I was doing I signed away every penny I had out into a car. Not to mention within months I transfered to a job that included 75% travel. So here I am with a beautiful car, new car payment, three more years of payments, no more equity, and the gaurantee that when my lease expires I would be without a car and still owe the financing company money for exceeding my mileage limits!!!! If I had kept my tail quiet I would have only had 2 more years of car payments, and then no payments at all, a car worth something, and the guarantee of actually owning a car.

We reach 2012 ready for lease to expire and I am back at drawing board. But since I serve an amazing God I was blessed to save enough money over the years to purchase a 2012 Honda Accord as beautiful as the rest at 0% interest with a 10 year warranty with no major affect on my monthly budget. This time here are no mileage restrictions and hopefully low maintanence. It's sad to be starting over but then I would not have been able to share this story with you.

Thanks for reading and I hope this helps someone make a good decision when deciding to get a car. Forever B * B * J * B

T-shirt Quilt

Every time you sign up for something, win something, or just are apart of something you always get a free t-shirt. Then one day you go in your drawer and it is over flowing with t-shirts. Well I had enough but just couldn't seem to part ways with some of them. Like my high school project graduation tshirt or my very first pathfinder shirt, not to even mention my first andrews tshirt (there were plenty to follow). But still each has its own meaning especially the custom ones with my name on it (my BBJB collection lol) or the family reunion shirts that are just to special to just throw away. So a coworker told me about making a quilt out of it. A quilt, I mean I can sew, I have a machine but how in the world do I do that?!?!?

For every question, there is Pinterest!!!! And there it was, the beginning of my addiction.  Because I'm so unique I do things a little different,  but the end result is still the same. 

This is the instructions I followed:

http://cheapchichome.blogspot.com/2011/08/t-shirt-quilt-completed.html?showComment=1313514326206#c4821292592555110808

And here is my finished product...........

See if you have one of them in your T-shirt stack. 

B*B*J*B Forever

Save the groceries

As we begin to start 2013 saving money, I also want to be sure my followers are not wasting their money either. If you have not yet set up a Pinterest account, don't you worry. I will provide you reviews of suggestions from the best of Pinterest. This begins with things that relate to your everyday purchases.

The link below goes over 27 ways to make your groceries last as long as possible. I will list the ones I have tried and suggest you try too and help you to not waste your money.

1) Onions stored in pantyhose will last as long as 8 months. IT Works!!!
2) Freeze green onions in a plastic bottle. IT Works!!!

9) Don't store onions with potatoes. IT Works!!!
10) Store potatoes with apples to keep them from sprouting. IT Works!!!
11) One rotten apple can spoil the bunch. IT Works!!!

17) Wrap crown of a bunch of bananas with plastic wrap. IT Works!!!

20) Mason jars are your friend, instead of plastic tupperware. IT Works!!!
21) Clean your fridge. IT will ALWAYS Work!!!
22) How to store tomatoes. IT Works!!!

27) Follow the handy guide on what to store on the counter and what to put away in the fridge. IT WORKS!!!

I know it will work for you too!!! Give it a try and let me know how it goes.

**Note info provided by Peggy Wang @
http://www.buzzfeed.com/peggy/27-ways-to-make-your-groceries-last-as-long-as-pos

http://pinterest.com/pin/300333868870229012/

Good luck

B*B*J*B