The FICO Game and Saving For A Rainy Day

One area that I was completely clueless about was the concept of credit scores. Probably due to my ignorance, we may not have managed it in the past in the most effective way. Since Robin has passed, I have taken up a new passion, improving my FICO score. 🧐 It is kind of a fun game as I obsessively troll my Experian App on a daily basis. Let’s just say some people play “Words with Friends,” other color online,(shout out to Marla), Robin played Angry Bird and I dabble in FICO.

At first it was easy and I was making steady progress. The number one piece of advice, pay all your bills on time. Well that was simple, I automated all my expenses online and I started seeing a few points added to my score – Yeah – so far so good. βœ… As I continued to read, it looks like I need to have more credit which was counter intuitive considering I have prided myself on not using much and paying cash when feasible. Ok, weird but I will give credit a try, if that is how you win in this game – I will go for it. πŸ™πŸ»

Robin and I always lived within our means and tried to make wise choices about how we spent our money. We envisioned downsizing in the near future and having a nice stable normal life, nothing over the top, just comfortable to do the things we wanted to do. Now that he is gone, I have to think about growing older in a different way. I must make sure that I have the right protection to ensure that I will not ever be a burden on Isabelle and I am totally covered. I really don’t have a back-up plan unless I remarry a really rich old guy with no family (probability is low for me). πŸ•ΊπŸ»Therefore, I have been trying diligently to save money and make sure I have the necessary cushion for any unexpected events.

Just like my initial FICO success, I was making progress by socking money away. I developed a budget and tried very hard to stick to it. The only problem is the more I tried to control spend, the worst I did. It started out with Lindy’s unexpected emergency room stay, then the miscalculated escrow on my mortgage, Isabelle’s desire to go to Israel, whoops the forgotten insurance payment, the french drain for the backyard and waterproofing the basement again ….and it goes on and on.. ugh. πŸ’°πŸ’°πŸ’°πŸ’°πŸ’°

I have been reading a lot about spirituality and the belief that you need to stop trying to control your surroundings. The gist is that you trust the universe and it provides you what you need at the time you need it. This is a hard concept for someone like me that must manage my life. πŸ€“It gives me a sense of comfort in this world where things can change in a split moment such as I have experienced. However, the truth of the matter is that I am finding that my management skills are really not helping me out that much. I kind of got to just relax and let things happen and bit and maintain faith that everything will work out.πŸ§šπŸ»β€β™‚οΈπŸ§šπŸ»β€β™‚οΈ

So back to my FICO score, I started using my credit cards (of course paying off the balance) and actually signed up for an Ulta card since they offered 20% off a large purchase (sucker). πŸ­πŸ˜œπŸ’„Guess what happened, My score went down 3 points. I am starting to lose excitement with the FICO game as it feels like a no win situation… Also I decided to stop obsessing about the budget, be mindful but turn it over to the universe to handle and move on. Let’s see if this tactic helps my progress. I guess worse comes to worse, I can fall back on my skills like being the world’s oldest waitress. I used to make some coin when I served cocktails in college.. there are always options.. πŸ‘©πŸ»β€πŸ³πŸΊ I love emojis

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