While you are working to fix your credit, your credit score may decline. This can happen without any errors on your part. Your credit score will rise as time goes on if you continue to add quality information. Check your credit report regularly. You can do this once year for free, more often if problems are found. You should do this at least twice a year to make sure that everything on your report is accurate and that no one has stolen your identity.
Get a savings account and start building an emergency fund. An emergency fund will provide you with a cushion to enable you to survive unforeseeable financial hardships like long term illness or job loss. You can make saving more easy by using this automatic deduction directly into your savings account. Track how much you spend each month and then figure out a budget based on your records. Find out where you are spending a lot of money. If you don’t keep an eye on outlays, no amount of income will ever be enough. Personal finances software will make the process easier and less stressful. You should use the extra money to pay on debt or invest it.