Credit score
If you buy everything with cash you don't need a credit score. Thats a fact. All a credit score does is tell the lenders you love to buy debt from them. 
Its actually kind of crazy when you sit down and think about it.... You pay them to be in debt...
Using only cash is a difficult thing to do. However, if you observe these basic principles it can be achieved:
- Be patient --- Save money for the thing you want. Once you have the cash, go buy it... Or decide you probably don't need it and save the money.
- Learn to Budget --- Budgeting will help with the saving as well as help cut down on the unnecessary stuff you probably don't need.
- Be pissed off at the credit lenders for brainwashing you into thinking you actually need a credit card and a credit score to survive... Be really pissed about that.
If you disagree with me then its probably because you just love being sold on the idea that being in debt the rest of your life is just the way it is and there's nothing you can do about it. 🙂
Live under your means. Once you get to a point where you are debt free and paying for things in cash you can start saving and INVESTING. A simple $200 a month in a good growth Mutual fund can net you some nice retirement at the end of 35 years. Don't believe me? Do the math 😉
Thanks for reading!
