Credit: The Gym Membership Of Finances
When I first started college at 17 years old, the experience was really overwhelming.
I learned about all of the classes I needed to take, got a tour of the campus and found out that I had a free membership to the gym.
I took a tour of the gym to check it out.
The gym was huge!
It had a huge pool, lots of workout equipment and a track for running.
It was a gorgeous facility!
I just didn’t have any purpose to go.
I didn’t have any goals set that encouraged me to work out.
I visited a couple times, but that was it, and my free membership pretty much went to waste.
I ended up getting married and divorced and starting a whole new chapter of my life.
Have you ever misused something or unappreciated something, but got a second chance to get it right?
I started a new BA program at another school that gave me another free gym membership.
That was my second chance!
At that time, I had two babies and had been in a terrible car accident that nearly left me permanently disabled.
Do you think I had purpose to go to the gym then? I sure did!
When I looked at the gym membership through new eyes, I realized I could find someone to train me and I could use it with the physical therapy that I was going through after the accident.
With a purpose for using my gym membership and specific goals, I worked out five days per week and surpassed my previous peak physical condition in 4 months.
The benefits of what I did have lasted me a lifetime.
I am healthier, I have great stamina and I feel great.
And you can’t even tell that I had been in any accident at all.
If your credit isn’t protecting you, it’s being wasted.
Think about how you have been handling your credit up until now.
No specific purpose for your credit other than getting approved when you want to.
No specific goals for your credit other than the car that you might want to get next year or the house you will eventually want to qualify for.
No real drive or motivation behind what you’re doing outside of just not wanting bad credit. Or just not wanting to stay at OK credit.
It sounds a lot like that wasted gym membership, doesn’t it?
Are you really using your credit toward its greatest potential?
Are you exercising your credit to achieve peak performance?
What if you were to create a purpose for your credit to protect your current income so that if something happened to your job – God forbid! – you wouldn’t have to worry about losing what you have?
When you think about the downs you’ve gone through in life:
- Death in your family
- Job loss
…and the financial stress it has caused:
- Medical bills
- Behind on important payments
- Not being approved for what you need to live comfortably
- Being without rainy day money when your car breaks down
- Not having the money for down payments
- Having to cancel (or not being able to plan) trips
Are you motivated by the techniques you’re currently using and your credit’s future?
Is your credit going to be anything more than a liability that sucks money out of you, only to be used on emergencies, gas and lunch for the rest of your life?
What if you could create goals to protect your credit so that obtaining what you want to be approved for is a natural part of what you are building toward?
You can do it!
Creating goals around your credit will give you a better life.
The greater goals you set to use credit as an asset instead of a liability – something that pays you money instead of taking money away from you – will sustain you and your generations for the rest of your life!
The key to your legacy lies within your credit standing.
5 Simple Steps To Creating Credit Goals:
- Get your copy of Better Than Credit Repair: The Handbook of Credit Mastery. This best-selling book will walk you through the process of creating goals for your credit that will give your credit purpose and will give you daily motivation to achieve an amazing end result.
- Write down your major goals and minor goals in the present tense. When you state your goals as if you have already achieved them, they will rush to become true for you.
- e.g. Major Goal: I have three separate incomes that I have financed, that pay themselves off without using money from my job, and that pay me too by using my credit as collateral.
- Minor Goal: I have a new car.
- Create a date in the future for when you want to accomplish your goals by. Choosing a date will make your goal setting more concrete and it will be in the back of your mind with everything you do. Be sure to make your date realistic, based upon the time you need to raise your credit scores.
- e.g. I have three separate incomes that I have financed, that pay themselves off without using money from my job, and that pay me too by using my credit as collateral. 3/15/2016
- Put your goals in places around your home where you can see them every day. Tape them to your computer screen, your bathroom mirror, the dashboard of your car, inside the sun visor in your car – everywhere you know your eyes will look.
- Make your goals your burning desire and they will have no choice but to come true for you.
Follow these techniques and knowing that you will have your credit to support you and encourage good debt and assets will provide you the motivation to make your credit a valuable tool in your life instead of a liability.
If you are interested in starting the approval process off with raising your credit scores for free, I invite you to take my free, four-part, Dispute Letter Mastery Course.
In this course, you will learn how to update your personal information, dispute information that has errors, and delete negative information in order to raise your credit scores 50 – 75 points in only 45 – 60 days. A boost like this can really make a difference in your interest rates, and it is all free.