Understanding money, one blog at a time

Hello all of my beautiful people.  I hope that this blog reaches you in limitless spirits! So I have a friend (whom shall remain nameless) that is in a hurry to purchase a house that she has been renting.  The owners of the house are ready to sell as the entire area has increased in property value. She's a veteran and has access to a VA Home Loan but there is only one problem; her credit score.  This is a really close friend of mine, almost like a sister. So, she came to me asking how she can bump up her credit score in a hurry.  I said, "oh that's easy, I'll add you as an authorized user to a few of my credit cards". What does this mean you may ask?  Real life example: I have credit cards with high limits that I do not use (because I'm fabulously frugal right ❤) .  By holding credit cards with high limits and zero balances, it contributes to my modestly high credit score due to low utilization.  Credit Utilization is you having access to...

It's April 20th, 2017.  I get an email from my attorney requesting a meeting.  The prosecution wants to offer me a deal. Probation. The chance to ensure that I stay home with my kids, and the fact that I can avoid another $10-15 thousand in lawyer fee's in exchange for representation at trial?  An offer so tempting, I could not refuse. Regardless of how innocent I felt, I just couldn't pass.  But with my offer came my husband's offer:  Ten years in prison. I had been upset with my husband while we were separated. For so many reasons, I was just angry.  But ten years in prison, without our children? That hurt more than anything. I hurt for my kids and I hurt for my husband. He had never been to prison and for this sentence to be so long. The truth is that he had done some bad things that were very wrong and very illegal. But He was a great dad. Always was a great father. May 22nd 2017 we woke up, got the kids ready for school and daycare and dropped t...