Sins of Youth
Thursday, July 6th, 2006When it comes to my credit score, I am definitely paying for the sins of my youth. I’ve got a horrible score and I am not afraid to admit it. I’ve thought of going the bankruptcy route but I’m awfully young to throw everything on someone else instead of paying for it myself. So, we’ve been making headway into our credit reports for a while now (I think this is year 3) and have been also making our scores better. The idea is to get the scores up there high enough that we’ll be able to buy a house for little to no money down. I know, it’s a lofty goal. But I think it’s doable. It helps that we have access to the VA loan. By the end of this year, I hope to have my original students loans cut down to half or less so that I can go back to school either next summer or fall. I really wanted to go back this year, but honestly, it just wasn’t practical. I will not, however, be willing to sit beyond next year. I want to have some sort of degree before I’m 30. I’d love to have my bachelor but who knows if that’ll happen. I still have 2.5 years of classes to go. Maybe if I started next year and then hit it hard and not take summer break. That could work. I’ll have to work it out, like everything. 
Anyway, I spent the last 3 hours updating the so-called “Five Year Plan” for us. I didn’t really think those kinds of things mattered, but the older I get the more I realize that they do. It’s just one of those things. Everyone tells you that you should do one and that it helps but until you actually do it, I don’t think you believe them. I know that I didn’t.
Anyway, enough babbling. That’s my evening. Boring, eh? But fruitful, I think.
