Improve your financial wellbeing and credit score with these tips

Your credit score has a significant effect on your financial health. In this article, we’ll be looking at how the quality of your credit score can mean an easier or a harder life. We will also consider the most effective ways to improve your credit score.

Low credit score woes

There are a lot of great benefits when you have a good credit score. Some of the most prominent are:

  • Access to the best credit card deals. Credit card companies are more open to offering low-interest rates and higher limits to individuals with good credit scores.
  • Power to bargain. With a good credit score, loan officers and business owners will be more open to entertaining your request for lower interest rates and longer terms.
  • An easier time renting an apartment. Landlords are more open to renting if your credit score indicates financial trustworthiness.
  • No deposits on utilities. With a healthy credit score, you can get services from a electric company with no deposit. You also get the cheapest electricity rates. The same goes for other utility providers.
  • Better car insurance rates. Insurance companies use credit scores to determine monthly premiums. If you want the best deal, you need to have a good credit score
  • Get your dream job. Employers in specific industries, especially the banking and finance sector, aren’t open to hiring individuals with bad credit scores. Such a financial situation makes them uncomfortable about trusting you with the finances of others.

Now that you know what’s fantastic about a good credit score, let’s take a look at the consequences of a bad credit score.

  • Getting approved for a loan is almost impossible. Even if you are approved for a loan, the interest rate will be high and the terms restrictive.
  • Landlords aren’t keen on tenants with bad credit. It’s a warning sign that rent payments may not be made on time. Even if the landlord does agree to rent, he will probably charge a higher security deposit or request a co-signer on the lease.
  • Buying a house is even harder because lenders don’t want to take the risk of accepting a mortgage application from someone with a bad credit history. You’ll also have trouble getting a loan for buying a car or starting a business.
  • Security deposits can add hundreds of dollars to your utility bill. Getting no-deposit electricity or other utilities with no security deposits becomes impossible.
  • Getting a cellphone service contract with favorable terms is difficult. Cell phone carriers consider people with low credit scores as higher-risk customers who are less likely to make payments on time.

A bad credit score is something that’s best avoided at all costs. But if you have a credit score that is less than ideal due to circumstances beyond your control, use the following tips to turn things around.

How to improve your credit score with these simple steps

  • Get rid of your credit cards. If you aren’t using your credit cards, you can’t accrue more debt on them and can focus strictly on settling your credit card debts.
  • Prioritize your bills and debts and start paying them on due dates. If you start paying all your bills on time, your present track record will offset your bad history and positively influence your credit score.
  • Don’t open new credit accounts. More credit means more debt, which will harm your credit score in multiple ways.

In summary, avoid accruing more debt by avoiding the use of credit and work hard towards paying back owed sums on due dates. Missing any further payments will negatively affect your credit score all over again.

Frugal tips to help you regain your financial freedom

Watching how you spend will help you minimize debt and achieve financial freedom. Here are smart frugal tips to help you cut down spending and save more:

  • Have a budget. With a budget, you have a clear picture of your expenses for a week or a month, and you can avoid unnecessary or unplanned expenses.
  • Prioritize expenses. Your most essential expenses get top priority at the top of your budget. For example, your utility bills and credit card payments should be at the top, followed by food. Whatever is left of your earnings can be put aside for other needed things.
  • Focus on saving. For every dollar you earn, put aside a bit in a high-yield savings account and let it grow.
  • Hunt for bargains. Look to make purchases that offer discounts and other cost-saving incentives. Also, don’t be afraid to negotiate for lower prices.
  • Get the best deal on utilities and services. With the cheapest electricity rates and other utilities at the lowest prices, you’ll save a lot of money in the long run.

The more you can save and the less you spend on luxury or unnecessary items, the more you’ll have for settling your debts and reviving your credit score.

Important Things to Know About the Church Beliefs

Churches have their own charms irrespective of different practices and believes, no matter how strongly they are linked together. The religion is followed all around the world evolved out of American Restoration movement. According to a survey, it was noted that people of America are becoming less religious when compared to those, seven years back. Nowadays adults do not tell about the importance of being religious unlike, people eight years back. The number has decreased to few who is absolute about their religious believes and or who believe in heaven and sins.

Looking at the descending religious believes, below are listed few points listing the importance of the things you must know about Church Beliefs:

The churches rose into power after Restoration Movement: During nineteenth century various independent contingents were merging in order to return to the Apostolic Christianity. The two movements held a great importance. One was held and driven by Barton W Stone and the other was driven by Thomas Campbell and his son Alexander Campbell. The two movements were held in order to restore Christian Churches on the doctrine and both had a believe that Creeds are holding the Christianity divided. They both agreed on some ground solutions like Restoration is the way, where Christians will have their freedom. They both believed that if Apostolic Christianity is used as the basis, the solidarity can be restored among the people again. The dedications towards what they used to believe was enough to inspire the people and join them in the movement.

The founders believed adhering solely to the Bible: The people who follow Christianity and seeks the following of Christ have a strong believe that they must stick to the teaching of the Bible solely and it is the only source through which they can find the doctrine. The people believe that anything that is written in Bible is authentic and accurate and can be believed easily unless the sources of the book and contexts suggest differently. They believe that Bible is simple and clear enough for the people to understand it properly and need not any other method to get it to a person who sincerely believe in God and want to walk on the path he wants to show.

The Churches of Christ are autonomous congregation: The design of the church is autonomous looking at the structure of the Churches in the New Testament. The bond and believe in Bible and the faith in its teaching are main sources which connect them together.

The Major Festivals Of Christianity

Christianity being an Abrahamic religion, it follows the disciples of Lord Jesus Christ. The followers of the religion believe Jesus is the saviour of humanity and is there to help the people in any sort of problem. They believe Christ is the son of all Gods and is a Massiah to all the people to bring peace and prosperity. The people who follow Christianity celebrate many festivals, the major ones include Good Friday, Easter, and Christmas.

Good Friday:

Many people also refer this day as Black Friday, Holy Friday, and Great Friday. The Good Friday is a holiday in Christian community as this day is considered as the day when Christ was crucified and is the day of his death at Calvary. Many people keep a fast on this day and spend the time in church providing their services. In many western countries, the holiday is legal and law prohibits many activities such as horse racing, dancing or any such activity seen as profaning the solemn of the day. Christian community including Angelicin, Protestant, Lutheran, Orthodox, Methodist, Catholic, everyone gives this day immense importance. The day is considered a mourning day and hence, the clergy wear a black-vestments instead of Purple and red usual.

Easter Day:

Celebrated on the third day of crucifixion as Resurrection of Jesus Christ. Resurrection is the conception of coming back to life after death. In early days, it created a major controversy on fixing the dated of observing the rebirth of Christ in eastern and western community. The controversy is known as Paschal controversy and it was not actually resolved until eighth century. The Asian minors and Jews consider the day od crucifixion the same, the fourteenth day of full moon in springs and the day of Resurrection, two days later to the day of crucifixion, which is the sixteenth day, Easter day. Easter has its own customs where people decorate their Easter eggs. Lenten ends their fast of three or forty days with meat, egg, ham and bread and hence, this day is celebrated as a feast.


Christmas is like what Diwali is to Hindus. It is celebrated as the birthday of Jesus Christ. It is believed, Jesus Christ was born in the Bethlehem in a stable. Mary was a young girl, who was about to get married to a good man, Joseph. When they were in Nazareth, an angel came to Mary and told her, she is about to have a baby, who will be called as ‘son of Gods’, and being an obedient kid of God, accepted the blessing. And hence, the concept came in, mother Mary was a virgin. They had to move to Bethlehem from Nazareth due to some issues of taxes from the roman Emperor Caesar Augustus. Mother Mary, gave birth to Lord Jesus and the news spread wide, a baby is born who is going to be saviour of humanity. Hence, Christmas is celebrated all over the world. They decorate their houses and the Christmas tree, sings Christmas carols and exchange gifts.