Don’t Wreck Your Credit By Doing This One Thing

This is the one thing you should never do  in terms of your credit score. Credit score is tricky. There are thousands of articles out there talking about credit score, and yet it’s so challenging to figure out why your credit score is the number it is. With that said, there is one particular thing that you can do to keep your score rocking, even if you have a few bad marks on your credit. It’s quite simple…pay your bills on time.

Your payment history has a 35% impact on your overall credit score. While a 30 or 60-day late might not have a big impact, a 90 or 180-day late will have a huge impact on your score for a long period of time.

On this podcast episode, I’m dishing all about this pesky credit trick and how you can keep your credit score on track. I also cover the popular topic of collections. This is a complete grey area, but I’ve got a few tips if you do have a collections on your credit report.

For more tips, follow me on Twitter @shannahgame, Instagram @millennial_money and at

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7 Smart Money Moves in Your 20’s

One of the most common questions I get asked is, “Am I making the right money moves for my age?” It makes me super happy that you are thinking about that and worried about it. I’ll be honest, when I was in my early 20’s, I wasn’t thinking about “am I making the right money moves.”

Trying to figure out what to do with your money in your 20's can be tricky. I've got a handy guide to help you through it PLUS a FREE e course.


2 Credit Card Secrets That Will Save You Money

Use these 2 credit card secrets to save you a ton of money because you've got better things to do with your money!

I’m a huge fan of credit cards. Yep, I said it.

Contrary to what most personal finance experts will tell you, I think having a credit card, or a few credit cards, can be a smart money move in your 20’s and 30’s.


Credit cards offer so many perks. You can get free plane tickets, cash back, discounts, free hotel stays, buy all the stuff you want on Amazon, etc. Depending on which credit card you have, of course, will determine what “goodies” you get. The goodies though are the reason to have a credit card. (more…)

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