It sort of bewilders me that last year I took the downturn in my business all in stride. In the beginning of 2009 I had a number of clients have to pull back on contracts that had been in the works for the entire year and actually lost 30% of my projected yearly income during the month of January. I didn’t take it personally, for I knew that our nation was dealing with fears about money and their livelihood and how it affected business too. Yet by the time the year was ending and December rolled around it felt like everything was coming to a head for myself financially. I really felt the weight of what 2009 ‘cost me’! Add some staggering unplanned medical bills to the mix and the year ended with me feeling truly overwhelmed.
So, I can tell you I was seriously looking forward to putting 2009 behind me and wanted the fresh start of 2010. It couldn’t come soon enough. Well, 2010 has begun and things are looking up but I do feel the weight of my financial life still lingering heavily. Even through it all, I recently re-checked my credit score, and it has gone from Great to Excellent. Wow!! Thank goodness! At least that’s a bit of good news for all the effort I put into making sure I stayed perfectly on top of my bills, even in slim times!
Do you know where your credit score stands? Do you know if there was anything purchased in your name last year that you DIDN’T buy? I encourage you to view your credit report for FREE, or check on your credit score or even look into Idenity Theft Protection. I can’t stress this enough to those who want to be aware of where they are at. I have had my identity stolen and my credit cards used and it amazed me how quickly they obtained my information and sold my credit card numbers throughout the world. In the first 24 hours, they had sold it to someone in Mexico who had used it to have money wired to them. And I’ve never even owned an X-Box, yet 4 were purchased using my account. It’s a hassle, so now I have an alert system set up to notify me the same day anything unusual takes place with my credit. I love the peace of mind it offers!
It’s really so simple to stay aware and protect a very valuable personal asset. Check these companies out and see what you think of what they have to offer:
I appreciate that now as consumers, we can have access to this vital information about our financial lives without having to pay for some of it! It helps me to see the big picture and to work even harder to make sure that I’m staying on top earning all I can. Since I now have a mortgage on top of a business to run, I want to succeed brilliantly. And it’s important to me to know where my financial life stands!
There are great resources out there and no need to be in the dark about your credit standing.