Making a Promise to Myself

I know that I have had problems really working on my financial journey for the last few months, but the baby will be here soon and I will have to worry about both of our futures. I have to make a change after the baby gets here so we will have a positive financial future. I have decided that I have to make a promise to myself, and keep that promise.

My Promises to Myself:


I know that I can not do much to change my financial future at the moment, but my son will be here within the next 5 weeks. I am only taking a short maternity leave, so I should be back to work full swing within the next 2.5 months if everything works out. I am making these promises to myself so I can make sure that my son and I are financially prepared for our future. It was not as important to me when it was just me, but my son is the most important thing in my life.

Here are my promises to myself

1. Increase my income by going back to school, working more hours, and getting another job if I have to.
2. Keep track of every dollar coming in and out of my home
3. Save money everywhere, and no splurging on things that are not necessary
4. Start a savings account for the baby ASAP (He has to go to college)
5. Always remember that my sons financial future is the most important. Doing all of these things will guarantee that he has a good future.

These are just the large promises that I am making to myself at the moment. After I am able to go back to work I will make more detailed short term promises to myself. I am hoping that making goals, and promising myself that i will go by them will help me seriously help our financial future.

Increased My Credit Score

I have updated my credit score on Credit Karma, and I have increased my score by 15 points in the last month. I am learning so much more about how my score is calculated using the site, and it is making a difference in my credit score. I made this small increase by simply decreasing my credit card balance from 80% to 70% and paying my credit card bill on time. My credit score is still in the poor, but I love seeing an increase. In the next month it should increase even more due to my paying my student loans on time, and paying my credit card down to less than 50%. I am hoping to have my score up to above 600 in the next couple of months. I am so happy that I am starting to see a difference.