Do You Need To Build Credit?

The first thing you learn when you enter the “real” world is that you need two things:

Money & Credit

They go hand in hand. You need money to build your credit. Then you need credit to purchase anything you want.

Most young people don’t understand credit, they just want to make money. However, I knew enough about money management to investigate the concepts behind credit.

So…as a college sophomore, I decided to apply for my own credit card to start building my credit. The limit was about a thousand dollars, which was fine because it was a start.

It was a simple student card that I used for gas, groceries, books, and anything else I needed. I was always told to buy furniture or any type of large ticket items like a television or anything pricey. The key is to pay it off within 6 months or so just to show that you can handle making your payments.  Plus, the best thing about getting a new card is the zero interest for a year or so, that is what makes it so easy to abuse it. However, I still paid more than the minimum, if not the full balance, every single month.

Despite the fact three years later, I still needed a cosigner for my first apartment and that is perfectly fine. Everyone needs help in the beginning so don’t be afraid to ask for it!

15 months later…

I decided to start my own business. On a credit card. That I got with MY credit. My limit started at over three thousand! It may not be much to some but it was a lot for a struggling Ph.D. student.

Then to make it even better, there were tons of perks with the card. One year with no interest, cash back on every purchase (which they matched dollar for dollar within the first year), and plus they have a 5% cash back schedule that alternates every three months.

I made money from spending money!

It was great and I recommend it to everyone who needs a good card that has amazing perks!

I used a Discover card to build my business. Now over a year later, it is still helping me save money. Between the discover deals that I can use while shopping, the rotating 5% cash back bonuses, and the multiple ways to redeem those bonuses I fell in LOVE with this card. Discover is a great company with a wide variety of cards to choose from, look them over so you won’t miss anything!

I know people say don’t use credit cards because they can get you into so much trouble but in my opinion, EVERYONE needs one. For emergencies, building a business, or just renting a car. The key is to be responsible. Check out this article on how to use credit cards as a helping hand but NOT a crutch!

Be sure to let me know your first credit card in the comments below! Tell me what was good or bad about your experience.



10 Tips To RESPONSIBLY Using A Credit Card

Hello loves!

I know everyone treats credit cards like their the PLAGUE! Credit cards are only bad when they are used negatively.

The user is why credit cards get people in trouble! Use them wisely and they can help you get out of a pickle.

Here are my top 10 tips to responsibly use credit cards:

  1. Choose a card with a rewards system.
    • If you don’t get rewards, it’s not worth it.
  2. Use your card wisely. Don’t charge more than you’re willing to pay.
    • Limit your transactions.
  3. If you want a department store card, be sure to get one that can be used as a regular credit card too.
  4. NEVER use more than 50% of your card, it can negatively affect your credit score.
  5. Pay the statement balance to avoid interest.
    • Unless the card has 0% interest, pay off the statement balance so you don’t waste your money on interest.
  6. Use one card for ALL online purchases.
    • Online purchases are usually the source of stolen credit card numbers! Select a card with a low limit ($1,000) so if your account is hacked they will get declined for any purchase that exceeds your available funds.
  7. If text alerts are available, USE THEM!
    • This is a great way to keep track of your card activity without using an app or the website.
  8. Choose a card that can be frozen.
    • If you have a bad habit of losing or leaving your cards places, you need one that can be frozen by the press of a button.
  9. Use an identity protection program to monitor all your accounts.
    • There are many available but my personal favorite is IDShield because it not only offers identity protection but a private investigator if anything happens. All for a low rate.
  10. Keep two cards, one for emergencies/online purchases and one for daily use.


I hope these tips are useful to you! Please share this with anyone you think will benefit from this information. If I missed anything, tell me what I should add in the comments below!

What are YOU doing differently​ this year?



I waited to make this post because all of the social media platforms was swarming with NYE resolutions and goals that probably won’t make it to February!

I personally don’t like resolutions because they rarely last. I make the same goal every year, be better and do better than the year before.

2017 was a tough year for me but I survived. I can’t complain because it was a worse year for others that I love dearly. It was a year of broken promises, heartbreak, and unwanted revelations.

I’m starting 2018 with the hope that this time 2019 I can say it was a good year.

Accountability is key…

Here are my current goals:

  1. Become a director within the next 6 months.
  2. Earn my career car simultaneously.
  3. Develop my career in writing.
  4. Build a solid support system.
  5. Start planning my wedding.
  6. Develop my online career.
  7. Support my fiance more.
  8. Do more for me.
  9. Love harder.
  10. Be BOLD.

As you can see, my goals cover a wide range of areas. I don’t need anything to be specific, I just want to be a better woman than I was last year.




What are your goals for the year? Are their specific or general? But most of all, are you committed to achieving your goals?

Day 31 – Why Do I Blog?

It’s my release.
It allows me to help others.
It allows my struggles to benefit another.
It’s not about money.
It’s about freedom.
It’s about me having the freedom to live the life I choose.
It’s about not missing family events, holidays, or memorable moments.
I don’t know what this blog will look like in a year but I do know I’m happy I started it.

Day 30 – What’s In My Makeup Bag

This is going to be long, so I’ll just try to keep it as short as possible…

Foundation,, concealer, lipstick, oil mattifier, undereye corrector, makeup brushes, eyeshadow, mascara, eyeliner, brow gel, cotton pads, blush, mirror, blending sponge, jewelry, headbands…


Day 29 – Where I’ve Traveled…

Wow, this is going to be difficult so I’m going to try to list it chronologically 🙂

Born & raised in Mississippi…










New York

North Carolina



Caymen Islands



I think that’s it… for now.

Day 28 – What I Look Forward To

Building a life with my soulmate. Taking care of my kids. Financial stability. Emotional stability. Real friends. A blended family. Wealth in every aspect possible.


I look forward to my future with those that love me as much as I love them. Getting old & gray. Sitting in a rocking chair on the front porch watching my grandkids play and holding my great grandchild.


I look forward to the things that most think is only possible in the movies.

Day 27 – Favorite Recipe

Oreo Mudpie

This is my designated dish for all functions with friends!


  • Package of Oreo cookies
  • 5 tablespoons butter, melted
  • 4.2 oz Box of oreo cookies ‘n cream pudding
  • 1 1/4 cups of milk
  • 8 oz tubes of Cool Whip


  1. Crush half of the Oreo cookies in a gallon-sized ziplock bag or use a food processor.
  2. In a bowl, mix the melted butter with the coarsely crushed Oreos.
  3. Press into a 9-inch square baking dish. Cover the entire bottom of the baking dish.
  4. In another bowl whisk the pudding and the milk together. Allow to set 4-5 minutes.
  5. Add 1 tub of Cool Whip to the pudding mixture.
  6. Spread over Oreo crust.
  7. Sprinkle the remaining of the crushed Oreos over the pudding layer.
  8. Cover and refrigerate at least 8 hours. Overnight is best.

*Feel free to add another layer of Oreos and Cool Whip. If you want to add more toppings, drizzle with chocolate syrup or caramel in between layers or on top.

Day 25 – Fave Blogs

I like this topic! I’m pretty much going to list the blogs that inspired me to blog.

  1. Make Sense of Cents
  2. Dean Street Society
  3. Terra Bohlmann
  4. Natalie Bacon
  5. Meera Kothand
 Be sure to check them out! I love the different perspectives that I get from them.