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Author: Carly the Mommy

Ways to Improve Your Credit – Without a Credit Card

Soooo… recently I wrote this post about how to get approved for a rewards credit card on a “low income”… and I have to be honest, I seriously hesitated to write it. Allow me to ramble here for a moment, before I get where I’m going. (Feel free to skip ahead if you just want the suggestions about how to improve your credit without a credit card. 😉 )

I felt like my last post might be bad advice for some people. But I wrote it anyway, because it’s not bad advice for everyone. It’s awesome advice for the people who have good credit and want to benefit from rewards credit cards but can’t because of their (low) income.

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Is Someone Else Telling You How to Spend Your Money?

My mom taught me something that has stuck with me my whole life. (Well, my mom taught me a million things that have stuck with me my whole life. So that’s a pretty vague opening statement.) I’ll try again.

My mom taught me to be distrustful of ads, and in doing so she gave me the greatest money saving wisdom I could ever imagine.

She used to say, when advertisements came on or were displayed in a magazine, “Look at how they’re trying to sell this to you. Notice how they use words that are implying something, but not guaranteeing anything”. And man was she right. Marketing is huge business.

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