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I have to admit that I use to think that education beyond high school was just by chance and it didn’t really play an important part in life or not. That was simply because I started working at a very young age, 14. It started with the summer work program and my first job was as Texas College Library. By the time I turned 16 I had three part time jobs at one time. While doing floral arrangements in Hobby Lobby, working at Popeye’s Chicken and Hollywood Theaters I was on the working program in High School. So I develop many skills prior to turning 18.
I graduated at the age of 16 and when I started Jr. College I had just turned 17 that summer. At that time I did what everyone else was doing. Everyone wanted to be doctors and nurses and I had always said that I wanted to be a nurse and could not stand the site of blood. So, I started off with a RN major and taking basic courses. Then when I got my basic course structure out of the way and went to start on the nursing program, I knew by far that I had no desire to be a nurse. So, I change my major to business administration.
Its been a while since I have written about anything that is only because I have been so busy. I have had many life experiences and challenges as well as success over six months or so. What I have learned over the past few months is life never stops! Nether does your process of manifestation. These last few months taught me a lot about myself and more about God. Most importantly, the manifestation process. We can never get to busy for others to neglect the gift that God has instilled in each and every one of us.
I have always said that I believe there is something unique for everyone to do. We have to find what that is and make it happen. There is a time and season for everything. But what we have to realize is that we don’t control the time and season, it was not created by us neither is it to be managed by us. The “weather” is out of our control so we have to make sure the we are always ready for what ever comes our way. Our have to be fruitful in season and out of season. There is a reason why some things are available in the grocery store no matter what “season” it is. If it is not the season for it to grow, it is made available.
I am encourage to be all that God has called me to be. With his anointing on my life and the supernatural ability to get things done only comes with and through Him. So, begin to manifest today. Build your self up. Do all you can do to invest in yourself!!
Not only do you manifest in the natural but do all you can do to build your spirit man up, don’t forget about him!
Peace, Love and some SNO’Nuff Stilettos!!
TaWana Stegall
Every year for the past three years I have been getting a free annual credit report. Sometimes I would go the extra mile and pay to look at my score. This year, 2010, I have taken everything more seriously.
So, In March I paid for myFICO will TransUnion and Equifax, Experian no longer was available through MyFico.com so, I went to Experian website to get that score. I notice that some stuff had fallen off that was hurting my score. My score had improved but it was still bad. So, I disputed a couple collections items that were listed more than once, same account but different agency.
Look I am not perfect and my credit is improving. So many of you can witness my testimony of needing your credit improved but you don’t know exactly how to do it. I was always told that a credit card would or unsecured lines of credits would help you bring your credit score up.
The issue about that is…. When you have bad credit…. No one gives you a credit card. If you can get a credit card from one of the bad-credit card companies such as Orchard Bank; the fees are OUTRAGEOUS and on top of that you start with a very low available balance. The catch to those types of cards is they charge you with some product up front on how to build your credit and then you have to figure the rest out.
I received a letter from a debt collection agency over a year ago named Jefferson Capital. It was a small debt; the debt was about 3 years old. The debt came about from a credit card that I had. My husband and I both had great jobs and we were fixing to close on a brand new house built from the ground up. On the same day, I lost my job and two months later he lost his. We didn’t close on our house. We lost a brand new SUV that we had just purchased. Hadn’t had the car two months and could not afford one payment. Things got bad, but we had experienced worse. So, I had a great deal error going on.
So, when this agency contacted me, I tried it. The payments were low $21 for 12 months and then the balance would be transferred to the new credit card. With 0% interest, it sounded too good to be true. I paid the debt in 3 months. I got the Emblem MasterCard two weeks after my final payment. I have had the card for a year and received credit increase every three months. I have always paid down the balance.
Everything bill that I pay online using my debit card; I apply those payments to my credit card and use my credit card to pay bills. So, when its time for my statement, it show that the card has been used but my balance is paid down. Which give me a positive credit to debt ratio when its time for them to report to the credit bureau on a monthly basis. So credit cards are not of the Devil. If you use them wisely, it can truly help you.
I told you that we couldn’t afford to pay anything right… Well, we had repossession on our credit for $25,000 for that SUV we bought. That would really some damage to your credit report, right? Remind you that was only three years ago. So, it was hard to get a car. About a year ago when I pulled my credit and got all the account updated to make sure it was accurate, the repossession showed up as if it had just happen. Drop our credit score again!
In March, I know I was opening up a can of worms to check the accounts but I checked into the item. This time, instead of updating it the repossession and the collections agencies on the repossession were deleted from my credit report. I thought it would raise it dramatically but it only raised my score 19 points. I had received a 50 point increase in two month just by paying my balances down on my credit cards.
We received a letter from the collection agency in which finance our vehicle on behalf of the banking institution and all account that there was a $0 balance and the repossession had been removed as if there was no account for it at all. That in and of itself was a miracle! I was honestly trying to check into items so I could really get my credit cleared up. God went above it and wiped it clean!
So two months +79 increased in credit score. I can’t wait to see what it looks like in 6 months!!
My purpose in life is to help you discover the real you and your niche(s). When I put my niche(s) to work, I discovered myself. I found out more things about myself that I didn’t know. I was always doing things for other people and fail to invest in me.