Cleaning Gutters on Your Mobile Home In a Snap

On September 19, 2023August 2, 2023 By Maggie S.In Homeowner Maintenance

I started to notice there were water marks and leaves stuck to the side of my house and couldn’t figure it out. It hadn’t stormed badly, it wasn’t fall, and there weren’t any trees against the house. The culprit? We hadn’t cleaned the gutters!

Cleaning your gutters is so important because clogged gutters, broken gutters, or lack thereof mean your home isn’t being protected from potential water damage. When water flows down the side of your home without any redistribution process – it goes straight to your foundation, or to the ground underneath your skirting. This can cause your home to need to be releveled. Clogged gutters also can damage your entire gutter system by dry rotting your fascia, going behind it, or pulling it away from your home which will mean you’ll need to replace segments.

There are a few different strategies to cleaning out gutters, the most important part is to practice ladder safety by firmly planting the ladder and having a spotter hold the ladder in place from the bottom as you work. Be sure to read you ladder’s instruction manual as well.

Set up your ladder. The most recommended ladder across home websites, is an extendable ladder. With a mobile home though, you probably won’t need that unless yours is built on a basement or you have a pitched roof.
Next, find your gathering method. You can place a tarp below, hold a bucket (or strap it to your gutter), or use an alternative bag method. Choose the one that is the safest for your expertise, or based off if the materials your scoping are wet or dry.
Select your tool. Now that you know where the mess is going, what will you use to get it there. You can go classic with gloves, choose a small shovel devise from a hardware store, or an alternative tool.
Wear clothes with protection that you can get messy. Likely debris will get on you – that’s why goggles can be a good option as well. Wear something that washes easily or that your okay getting dirty.
Notice and fix repairs while you’re up there. Tighten brackets or add screws as needed. You may even want to add gutter guards.

Be sure that you practice safety and have help when cleaning your gutters. Wear clothes that can get dirty and gloves. Protective eye gear isn’t a bad idea if you expect the leaves/debris to be wet. This maintenance will save the side of your house and prevent damage to your gutters and keep filtering the water away from your home.

Gravel Driveway Repair and Preventative Care

On September 5, 2023August 31, 2023 By Maggie S.In Homeowner Maintenance

Gravel driveways are a great, budget friendly option. Like everything else, they’ll need some maintenance and upkeep. There are plenty of things you can do to both avoid and fix problems as they arise. I’ll be looking at some of the options.

Drainage is the most important component of a gravel driveway. If your driveway has major drainage issues – you may need to do some back tracking. It could be that your driveway wasn’t put together correctly. More than likely though, the repair and upkeep addressed in this post will help you fix most issues.

Preventative –

Making a crown – most expert sites recommend this strategy to keep drainage moving downward. All you have to do is rake gravel to a peak in the center of your driveway. It doesn’t need to be super high, just enough to encourage the water to flow down the middle instead of down the sides.

Trenches and edging – These are great ideas that will give water a safe place to go. You can try digging shallow trenches on both sides of your driveway. You may also try doing a little rain garden or any type of edging that will keep your gravel in place and move the water to the end of your driveway.

Drains – Some people also put drains on either side of their driveway, these are more involved, but may be a perfect solution for you. Some people will install them on the sides as edging with metal or plastic grids overtop the thin drains. The most common drains are culvert pipes or French drains which are both dug underground (usually) to redistribute water.

Problem areas –

Potholes – These can be tricky. Essentially, they are an issue of trapped water. A great do it yourself site, suggests a helpful process.
- First, they recommend digging the hole out wide and deep enough, so the edges are solid. This way the gravel hole will hold for the filler.
- Once it’s clear, you can fill with thinner/ crushed gravel.
- Next, tamp/push down the gravel with a steel or wooden tool.
- To finish, fill the remaining area with regular gravel to the top off the hole, plus some extra to blend it out.
- Lastly, smooth out the gravel so everything blends well.

Clogged culverts– Sometimes debris and rocks can clog your pipes which prevent its whole process. There are plenty of tools you can purchase for this, or you can rig your own system. This home site recommends using something to push the debris while also spraying water down the pipe.

Start Your Gravel Driveway Today!

I hope this helps get you started in planning how to maintain and take care of your gravel driveway. Ask a professional for help if you find a big issue or just want help making sure you do things well. May your driveway stay in good shape with this information!

8 Things to Consider in a Manufactured Home Park

On August 17, 2023August 17, 2023 By Maggie S.In Homebuyer Education

Living in a mobile home community can offer many perks, as well as a support system. Whether you own your home or rent it – living in a community can make your everyday life easier and more peaceful. Parks are a great way to get perks you want without having to spend a lot of money on land, and they allow you access to things you may not have enough money for in your own backyard.

Let’s look at what amenities you can find commonly in parks and what you’ll want to keep an eye out for.

1. Laundry units in home – manufactured homes should have both hook ups but look for this if it’s something you’re wanting. Many homes in parks may come with units already in your home, but they may not be included depending on the park. If there isn’t a washer and dryer in your home, there still could be a laundry mat on the grounds of your community.

2. Cost/ fees – Your park may not be different than some site-built communities that have Homeowner Association fees. There could be additional cost for trash pickup or yard maintenance if the park mows and tends to the land. This cost is likely worth the perk it provides, but you’ll want to consider this in your monthly bills, so you aren’t caught off guard.

3. Residents’ opinion – Just like when you move into any neighborhood, asking neighbors you see out or reading reviews can give you a good idea of if the place is a fit for you. Keep in mind what others prioritize may not be the same as you – so take it with a grain of salt.

4. Parking – Parking can be a nice perk in a park. Typically, parks will have one or two spaces wide for you to park your car near your home, sometimes the parking may be covered. Some parks will have a shared lot on the property. You’ll want to discover what the setup is.

5. Community facilities – From pools to playgrounds – communities can offer outlets for play and socializing. You can also enjoy less crowded and closer amenities. Parks may also have a clubhouse or workout facility for your use.

6. Events – This is probably rarer, but some parks may have events throughout the year for things like back to school to summer, etc. They may also have meetings for feedback and questions in the community.

7. Maintenance – Part of living in a community is that you often get things repaired by someone else. This may be different if you own the home in the park, but it’s worth asking about. Knowing your park owner and their process for maintenance is important. Additionally, some parks may mow the lawn, so that’s a good thing to check in on.

8. Pets – Lastly, a lot of parks may allow pets. They may have some weight or breed restrictions, so be sure to look at that. Living with animals can improve your daily life greatly.

We hope that has you thinking if you are planning on finding a park to live in! Or it may have you thinking you’re interested in a park where you weren’t before. Get in contact with some local parks and see what options there may be. Visit vmfhomes.com!

Goal Ideas to Kick-Start a Great School Year

On August 3, 2023August 1, 2023 By Maggie S.In Lifestyle

You’ve bought the school supplies, wiped out the backpack, and your child (or children, are) is headed back to school. With this change of pace, comes an opportunity to grow. Before you drop them off at school, send them on the bus, or set them up at the kitchen table for home school – sit down with you child, teenager, etc. and help them set some goals.

Let them make their own goals, but help them document them on paper and offer ideas while brainstorming. Encourage them to work towards their goals with rewards. Help keep them accountable by checking in bi-weekly or monthly.

For younger kids ask them to set a goal or two that are for themselves and/or for their school year. Explain goals to them and give them a simple example of your own goal.

Example: Mom or Dad will join the gardening club in town so they can improve their landscaping and meet new friends. They will redo one section of the garden bed with the skills they learn.

Personal / Behavioral – These goals can be something your child wants to learn themselves. It may be a skill or practice. It can also be to improve a negative aspect of their attitude, or to be patient, honest, or considerate. One goal could be to practice thankfulness, encourage your child to keep a gratitude journal.

Example: Instead of being frustrated when I don’t get my way, I will ask about other options for something I can do or have.

Consider making goals that include chores, quality time, or that you can hold with your child.

Example: Thursday nights we vacuum and sweep together and Fridays we play board games together or watch a show together. Maybe your underlying goal behind this is that you want less dog hair in the house and to teach your kid(s) to think about chores other than in their own room. Perhaps you also want to teach them balance and spend more quality time with them.

Educational – These goals can be related to grades, improving a skill, or trying something new. The don’t have to be related to curriculum at school either.

Example: I will read for an hour each week, and chart my time.

For teenagers:

Financial – If your teen has a job or receives an allowance, help them budget to meet their goal.

Example: I will save half my earnings in a college fund.

Career – If your teen knows what they want to do when they graduate, let them make goals in that direction. Think classes, trade schools, trainings, etc.

Example: I will find a mentor at the body shop to show me how to work on motors.

Don’t forget those rewards and remember to celebrate! Even if the goal isn’t met, offer them a smaller reward and focus on the improvement they made. If this practice was helpful, try it for yourself! Get some inspiration to set your own goals. Have great school year!

Try These Challenges!

Household Safety Check Points for Your Kids and Pets

On July 25, 2023July 19, 2023 By Maggie S.In Homeowner Maintenance, Learn

Having pets or kids in the house is a blessing. It also requires attention to what’s in your home and what you bring into your space. We’ll help you think though potential hazards in the home and how to address them. Providing safety and comfort in your home is so important. Let’s jump into household safety precautions you can take in your home for peace of mind.

Children:

You’ll definitely want to do a good amount of research when prepping your home for kids. We aren’t an exhaustive voice on this, just one of many that can help you discover tips for safety. Check out our resource on baby proofing your home to get started.

I like the way the National Health Council has you think through child safety. They highlight 4 high-risk zones:

Water
Heat/Flame
Toxic substances
Potential for a fall

A lot of issues stem from these dangers listed above and thinking about where they are in your home is important. Thinking about how they play out uniquely in your home is the key to preventing injury or harm to your child. Take some time to evaluate your home and adjust according to your space and children in the home.

Typical trouble spots in your home that need covered or to be locked are: electrical outlets, cabinets with chemicals and/or medication in them, sharp edges of tables/other items in the home, door knobs, dressers, or tippable furniture, toilet seats, blind cords, long drapes or things hug on the wall that can be pulled from a child’s height, areas with sharp kitchen tools or weapons, etc. Here are some more in-depth safety home measures to integrate into your action plan.

Beyond thinking about the layout of your home and making dangerous things safe or untouchable for babies or children, you’ll also want to consider what you use in your home around your child.

Think through your cleaning materials, you may want to switch to an ecofriendly cleaner or use something natural to reduce harsh chemical use in your home. Or if you do use deep cleaners ensuring that you close the door so kids don’t go in and also ventilate the space with a fan or by opening a window.

Here’s to a safe home for your kiddos! Be sure to check out more resources on the subject! Now we’ll look at some pet safety in the home.

Pets:

Let’s start with some pet and children together safety tips.

Be sure to constantly monitor children below the age of 5 around pets. Teach them how to safely interact with animals: to be gentle, not invade their space (no forced petting), and learn to read the animals body language. Teach kids to wash their hands after playing with animals, taking them outside, or feeding them.

Keep your animals healthy with clean environment, taking them to the vet regularly, and giving them necessary medications. Watch kids around litter boxes, keep them out of reach of small children and pick up animal poop from your yard where kids play to protect from worms and other issues. Read more about keeping your kids and animals safe in the same home here.

Now, let’s check out some specifics for pet safety:

Many safety precautions you take for kids will overlap for pets: block access to chemicals, foods, medicine, gum, certain essential oils, etc. Check out more ways to pet proof your home by room.

You have to think more about the exterior of your home with pets as we don’t typically watch them as closely. Be mindful of the following:

Oil or antifreeze leaks from your car. Clean them up quickly as they toxic to your pet.
When you spray for bugs, plant something new, or use landscaping chemicals. Try to be pesticide free and use pet/child safe sprays. Look up plants to ensure they aren’t poison to pets.
Look for holes made by rodents to fill or fill holes your pet dug.
Check your yard periodically for trash, food bits, harmful items that may have blown or been tossed into your yard.
Give your pets access to water outside in the hot weather, especially if they are outside for long stretches of time or live outside.

We hope this helps you prep your home for pets, or improve pet safety in your home. For further reading check out this pet safety in the home resource.

Pet Owner Cleaning Hacks We Love

On July 11, 2023June 26, 2023 By Maggie S.In Lifestyle

My pets add so much love and comfort to my life, and I’d take any mess that came my way to have them. However, if you’re new to having a pet or having a pet that lives indoors then you’ll need some help adjusting. Having animals means sharing your space and sacrificing that spic and span dream you may have had for your home. But depending on how much time and effort you’re willing to dedicate to the process, you can still have a pretty clean home, too!

Tips in the home:

The best place to start is with a schedule. Likely, you’ll want to maintain your floors at least once a week, with a deep clean every two weeks. It also depends on if you have hardwood or carpet or a mix. If you have carpet, you may want to maintain it more frequently.
I recommend getting a flat, mop-like tool with dry and wet attachment pads for your in between cleans and invest in a good vacuum. Do your research, not everything that claims to be ‘for pets’ works well. I started with a cordless stick vacuum meant for pet hair and it didn’t work well at all. I now have a corded, super powerful vacuum that picks up even the clingiest fur!
When it comes to furniture, it’s your preference. With our first couch, we let our two dogs lay on it and didn’t keep great maintenance of it. It quickly became their couch (we still sit on it, but not without being covered in hair). Now, it’s upstairs and the new couch downstairs is dog free. One of my dogs sheds terribly and other moderately, so together it was bad.
- If you’re having a hard time deciding if you want them on the couch you might try an old chair or piece of furniture that they can strictly lay on or just put their bed in your shared space so they can rest, too. You can also try using a sheet or cover if you have a well-trained dog that will only lie in that spot and just put it in the laundry every couple of weeks.

Another great tool to have in your home is a hair removal tool. Tape or sticky rollers really aren’t powerful enough, so I’d get a silicone or fabric-based one. Some people use squeegee tools. The goal is to scrape off the hair instead of sticking to it like tape, which usually works much better.
Make sure you also have an odor eliminating cleaner for those bathroom messes in the house. This is a must for puppies! They smell that spot and think it’s okay to pee there again, grab an odor eliminating clearer to take out the confusion and help them learn to go outside.
Keep a few towels you don’t care about to wipe your pets’ paws if they go in and out of your home. This will save your floors, blankets, and furniture.
Launder your pets’ fabric items or set them outside and spray them with an odor eliminator from time to time to keep them fresh.
Make an organization station Whether you purchase bins or shelving, or a bag that you can wash – having a place for toys, your pets medications, and accessories keeps everything tidy and makes for a tidier home!

A few tips for the car:

Use a seat cover this will protect your seat from tears and block a good amount of hair from getting on your vehicle. Plus, if your dog drools in the car or throws up it much easier to clean up.
Bring wipes/small towel for messes. Keeping wipes in your car or bag will help with any muddy paws or mishaps that may need a quick clean in the car while traveling.

We hope that whether you’re a new pet owner, or a seasoned one looking for cleaning inspiration – that this gave you a few ideas. Having pets in your home is such a gift, but it can be messy and unpredictable. However, you can still have comfort in your home and a clean place! You just might need some training and to set yourself up for success.

Here are a few more tips to take with you!

Choosing Appliances: Laundry Room (Part 3)

On June 29, 2023June 16, 2023 By Maggie S.In Financial, Homebuyer Education

Welcome to the third and final installment of our Choosing Appliances mini-series! In this series, we’ll be doing our best to help you through the sometimes-stressful research process for purchasing a new appliance. While appliances are not quite the sticker shock of a home or a car, they still are big financial investment. This mini-series will hopefully help you cut time and worry on your choice.

…..

In part three, we’re covering washers and dryers. If you missed our previous installments, check them out for this same experience on refrigerators and dishwashers plus, ranges and microwaves.

Let’s get into it!

Appliance Logistics:

Before you go to the store or start to search online there are some things we can narrow down and think through:

Measure the area the appliance will fit in (height, width, and depth)
Note unique factors (Be sure your washer and dryer fit in the space provided, especially side by side. You also want to make sure the electrical and air return line up with your appliances.)
Make a purchase plan
- What’s your budget range?
- Are you going to purchase during a sale? (most big box stores have Memorial Day and Labor Day sales)
Will you need delivery? If so, consider cost. Or do you have a truck/trailer?
Will the appliance fit in your doorways? Will you have to take it up stairs?
What will you do with your old appliance? You can haul it away, have a company take it or sell it.

An important note is to check availability. More recently what’s in stock is more prevalent to your purchase. If you’re casually looking you may not mind a three-month backorder. However, if you needed it yesterday, going into a store and asking about what they’ve got in store is a good place to start. That way you don’t get attached to something that isn’t available or won’t be for a while.

…

Last year our washing machine stopped working right. Though we’ve been homeowners for about five years – we’ve yet to buy any appliances. I was overwhelmed by the choices. Our previous washer was a late 80s , early 90s model so there was a lot to learn about new versions. Unfortunately, things don’t last as long as they used to. I had to discover the common lifetime of new appliances as well as how long I wanted it to last and where all of that met in the middle. Then there’s the cost, installation, sales for the year, haul away – oh my! As a researcher, I had my work cut out for me.

Thankfully, there are tons of amazing in-depth reviews by various websites, so I didn’t go into it totally blind. After my experience, I thought I want there to be a guide for this, especially for our customers so when you go to buy appliances you have all the tools you need in one place.

Before you start – see what’s available – now it’s time to look around and get an idea of what’s available.

Think of style/ color. Most options are white, silver, or black. You may be able to get another color or a custom color, but it will probably cost a little more.
Energy Star® Certified. If this is something you’re interested in for your home keep a look out for certified washers and dryers that can help save you some energy.

Are you ready to start thinking through the options? Let’s learn about washer options.

top load washer with dryer in laundry room

Washer Specifics:

Main types of washing machines:

Front loader washing machine
Top loader washing machine:
- Agitator
- Impeller
Stacked laundry

Front loaders are the fad now. A lot of people choose them for their look, use of less water, and gentleness on clothing. They are likely more expensive ranging around $700 – 2,000. Front loaders can be stacked and can be accommodating in smaller areas. They also use their angle and gravity to clean clothes. Some people don’t like them because you have to bend over low to use them, their sockets can get moldy, and they usually don’t have a deep-water wash. Check out some highly rated ones here.

Top loaders are the more traditional option, but that doesn’t mean they haven’t evolved. This type is loved for its ability to have items added during a wash cycle, being typically more affordable than front loaders, and for easier repairs – the top load is another great choice. They usually can range around $500 – $1,000.

Top loaders use agitators and impellers to move clothing and rid clothes of dirt. Agitators are spindles with small rivets that help push and turn clothing. Sometimes people don’t like this because your clothes can get caught or twisted, but they can be great for a deep clean.
Impeller devices are the other option of top loaders. It uses a small cone or disc that uses energy to create currents in the water. This method is touchless can be seen as both a pro or a con.

Stacked laundry sets are often used in rental units or places with restricted space. They are typically more basic units, but that doesn’t mean they aren’t good quality. These are available in both top and front load options washers and of course include the dryer. Start exploring options here.

We didn’t cover every type of washer here, but we covered the basic ones that most homeowners purchase. We hope that this helps you get started and educates you so you don’t miss out on a possibility you may not even have realized existed. Happy searching!

stacked washer and dryer in manufactured home

Dryer Specifics:

Main types of dryers:

Electric
Gas
Ventless

All dryers are front loaders, so I didn’t list it as a type. But technically, you can purchase a dryer that may be called a “top-loader” however it isn’t. This label just means that visually it will match a top load washer (likely purchased from the same brand), but it will still load from the front. Most dryers range from $450 – $1,200, but of course you can find them for higher if you’re looking for more features.

Electric dyers run off a 4-prong cord, so you’ll need an outlet that’ll fit it or aa converter and typically need a vent for air return. They are likely the most common type and tend to cost less upfront.

Gas dryers as you might have guessed run off natural gas or propane, so you’ll have to have that hooked up at your home for this option.

Ventless dryers are an option for people that may live in apartments or are unable to have a vent location. These dryers use a condenser or heat pump to make heat and create the energy needed to dry your clothing. Learn more about these main dryer types here.

Looking for some great options for dryers? Get started here.

In conclusion, don’t forget the options listed here are not exhaustive. Also, if you’re hoping to spend less don’t forget used options can be found online, at yard sales, etc. for your washer or dryer. Sometimes people will even set out old units that work by the side of the road or you may be able to check with a unit recycler location in your area to see if they have anything available. Thank you for checking out this mini-series! We hope it’s help you be more informed about your home appliance purchase and that whatever you choose lasts a long time and works well!

*ENERGY STAR^® and the ENERGY STAR^® mark are registered trademarks owned by the U.S. Environmental Protection Agency.

6 Ways to Increase Space in Your Single Wide

On June 15, 2023June 15, 2023 By Maggie S.In Featured, Homeowner Maintenance

A single wide home is a great choice in homeownership. For many they are a perfect fit, but for the growing family, the collector, or the person that likes a good amount of cozy, personal touches – you may feel the need to think about your living area creatively. There’s usually plenty of space available to you – sometimes all you need is a bit of perspective to help you realize where you can utilize more room.

Let’s dive into some ways to make your single wide work better for your lifestyle!

Shelving for days. Use shelves to increase storage and take your décor up a notch. If you’re unsure how to hang things well on your mobile home walls learn more here. Get the more about different ways to hang items here. Make the most of your space with sturdy shelves.

2. Practical furniture. Do you have bulky pieces in your home? Is your couch too large for your living room? Thinking about the size and placement of your furniture is the pinnacle to creating space. Place your furniture in a way that agrees with the room or covers unused area. You might also sell what furniture you have and purchase something more compact.

3. Expand your closet. If you’re closet area is sparse, try investing in a rolling clothes rack. You can also work inside your closet to utilize the space that is already there, read more here.

4. Add levels to your kitchen cabinets. Your cabinets may feel full, but are you using organizational shelves? If there’s space above your plates or mugs you can add shelves with four legs that are usually wire on the top for maximum stacking. There are also great towel bars, and thin, hanging baskets that may fit over cabinet doors. Some people also will add a magnetic strip or hooks under cabinets for tucked away storage.

5. Use the doors. Over the door storage hangers are your best friend! Use them! From shoe racks designed for over the door to spice racks shelving – this is a major space saver. You can also use over the door hooks for your bedroom and bathroom.

6. Organization station (catch all). Find a place to create a center with a desk, bulletin board, and calendar to serve as the place for all mail and new items in your home. This can serve as a transitional location for items and be used to keep random items in one place.

We hope these ideas help you get organized and allow you to use and make space you didn’t realize you had available!

Get More Ideas!

5 Surprising Facts About Credit You May Not Have Known

On May 23, 2023May 30, 2023 By vmfhomesblogIn Financial

Learning how credit scores work can be a little challenging sometimes, especially if you are new to credit or building it for the first time. Building your credit should have some strategy as there are some rules on how to do it well. If you’re hoping to fine tune your credit, but haven’t seen growth in a while, you may be missing some lesser-known surprising facts. We’ll help you uncover some below!

1.Paying off or canceling a credit card can drop your score.

Canceling a card or paying off the balance completely can be a great way to reduce debt, however it may not reflect positively for your credit. Canceling your card can reduce your credit utilization which acts as the available credit you can use as a percentage. While keeping your utilization low can be good for your score – zeroing out is not. Additionally, the age (length of credit history) and types (credit mix) of your credit accounts are reduced when you pay off debt, so those are other factors that play into a dip in your score.

2. Having no credit is like starting at zero and it takes some time to build.

It may be difficult to finance the purchase of a car or home without a credit score, unless you have a cosigner. It’s not like having a low score where you have some possibility of approval. When you apply for a loan without any credit history, your lender has very little to base your financial repayment ability off of. That’s okay though! We have to start somewhere. Keep in mind, you can be great with money and have no credit.

It takes about six months of credit activity to generate a score, so keep that in mind when starting. It will take longer to get it to a higher score level, so just keep at it!

3. Having a high credit balance likely hurts your score.

This one shows us the flip side of #1, where if your credit utilization is above 30 percent, it can impact your score negatively. Essentially, a high balance could appear to lenders as you not having the funds you need so you have to charge your card. While this often isn’t the case, it’s how the numbers can be interpreted. This affects your amounts owed, which also makes up 30 percent of your credit score.

person looking at credit card info on their cell phone

4. Our current credit scoring system began in 1989.

Credit started commercially in around 1841 with the first reporting agency, the Mercantile Agency. This model of credit was “used by merchants to see the creditworthiness of potential business customers” In the 1960s, financial institutions began using computerized credit scoring, marking a shift toward the more individual creditworthiness system used today. In 1989, the model we know today was built in which consumers could be scored more equally.

5. Credit Cards Offer Safety When Purchasing Online.

Credit cards can be a secure way to purchase something online. Plus, if someone does illegally obtain your credit card number, unauthorized payments can be relatively easy to stop and do not usually end up compromising as much as a stolen check or debit card. Now there are even ways for your card to be further encrypted to ensure even more safety. So next time you shop online, charge it, then pay it off!

We hope you’ve learned at least one new thing from reading this. Your credit score is a measurement used to assess your financial tendencies. However, it isn’t the only marker of your financial success, don’t get discouraged it takes time to learn the ins and outs. Sometimes it can get a little confusing, but if you’re willing to blend your financially savvy and learn the dos and don’ts of credit, you can find a winning combination.

Keep Your Eye on Your Credit Report