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    Credit & Me: The Adventures of Growing the Eff Up
    Credit & Me: The Adventures of Growing the Eff Up
    Credit & Me: The Adventures of Growing the Eff Up
    Ebook49 pages37 minutes

    Credit & Me: The Adventures of Growing the Eff Up

    By Andrea T. Fowler

    ()

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    About this ebook

    Shit happens!
    Reach your financial goals, anyway.

    When adulthood hits, it hits hard and fast. It comes calling the shots on your wallet and plans, giving you a reality check you weren't ready for! Most end up standing over their credit score, student debt and bills wondering, How the hell did I end up here? Where the hell did my childhood go? Andrea Fowler can attest to this all too well.
    LanguageEnglish
    PublisherBookBaby
    Release dateSep 14, 2018
    ISBN9781543943511
    Credit & Me: The Adventures of Growing the Eff Up

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      Book preview

      Credit & Me - Andrea T. Fowler

      Credit & Me

      The Adventures of Growing the Eff Up

      Andrea Fowler

      ISBN (Print Edition): 978-1-54394-350-4

      ISBN (eBook Edition): 978-1-54394-351-1

      © 2018. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.

      Table of Contents

      Preface - Money makes the world go round.

      Chapter One - Shit Happens

      Chapter Two - Pseudo-Adulthood

      Chapter Three - Growing Up Po

      Chapter Four - That’s a Snack; That Ain’t Dinner

      Chapter Five - Broke Phi Broke—We Ain’t Got It

      Chapter Six - Damn, Can a Sista Catch a Break?

      Chapter Seven - Growing the EFF UP

      Chapter Eight - If You Are Going To Spend Your Money, You Need a Plan—Spending Plan

      Chapter Nine - Cut It … Cut It … Cut It

      Chapter Ten - What Does the Credit Look Like?

      Chapter Eleven - Let’s Start Building (Part I)

      Chapter Twelve - Part II—Rebuilding Your Credit

      Preface

      Money makes the world go round.

      At least that is what a famous rapper said. However, for most of us, things are a little more complicated. Our money is in much shorter supply than the average hip-hop superstar. So even though this could be us, living a life a luxury, money just doesn’t make the world go around. Instead, money is our entire world and identity.

      It seems that in 2017, a familiar choice facing many millennials is, Should I splurge on these Louboutin heels to stand out in the crowd? Or should I pay the rent that’s due on the first of the month?

      It would seem like choosing between adulting and acquiring a new pair of shoes wouldn’t be an issue, but truthfully, debt and money management are the largest challenges facing Americans today. Managing money requires routine discipline and prioritization.

      When it comes to money and credit, how you utilize it is just as important as how much you have. One quote that I personally love and sometimes leave in the signature of my emails is, To get somewhere you’ve never been before, you have to do something you’ve never done before.

      That is the purpose of this book—to assist you in reaching those financial goals that often seem impossible to achieve. As you read through the chapters, I will provide advice, information and share my stories. Through it all, remember one thing ➔ SHIT HAPPENS.

      How you respond to shit happening will determine how you succeed.

      Chapter One

      Shit Happens

      My SHIT HAPPENS journey began right before college. I will never forget that moment. In April 2006, I received a rose-colored credit card from Capital One with a $250 credit limit. I was 17 years old and ready for the world with my new credit card. My mom thought it was good for

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