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Articles by Silvia Gonzalez

Improving Your Payment History

While it may seem clear on how to improve your payment history, here are a few more suggestions than just making monthly payments: Be timely with your payment – yes,…

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Why Your Payment History Matters

Making up 35% of your FICO score, your payment history is not something to take lightly. According to MyFICO.com, “having no late payments in your credit report doesn’t mean you’ll…

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Understanding Your Credit Mix

A healthy credit mix includes revolving and installment loans. Revolving credit are credit cards and retail cards while installment loans are mortgages, car loans, student loans, etc. However, this doesn’t…

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What Makes Up Your FICO Score?

It’s important to be aware of the components of your FICO score, so you can make wiser decisions.  Here is a brief overview: Payment History 35% Making timely payments is…

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5 Steps to Improve Your Credit

Rebuilding credit can seem like a daunting task, but with a few adjustments to life and a careful eye on your habits, you can rebuild your credit.  Here are 5 …

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Perseverance – How to Continue When We Get Stuck?

We have great intentions when we decide to change our financial situation. We promise to be diligent and follow through on our commitment. Then a month passes and we are disappointed…

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Divorcing Financially

Divorce is not an easy thing to do and add to that finances and it breeds the perfect ground for mayhem. But, it doesn’t have to be a treacherous situation.…

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Sticking to Our Method

From my previous post, How to Create Mindfulness Around Our Finances, we learned the importance of having a method. It sounds simple. Stop, breath or recite. But when we are…

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How to Create Mindfulness Around Our Finances

Finances can easily scatter our minds into complete chaos.  While it’s true we may lose clarity, is it possible to have turmoil and still generate peacefulness around our circumstances? Some…

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Incorporating Healthy Habits

After spending time analyzing our finances and starting a new routine, categorizing our expenses into needs and wants either in a spreadsheet or on paper is essential.  Needs are what…

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Older Posts
More Aspirations
  • Improving Your Payment History
  • Why Your Payment History Matters
  • Understanding Your Credit Mix
  • What Makes Up Your FICO Score?
  • 5 Steps to Improve Your Credit
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