Keeping Track to Repair and Build Credit

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Keeping track of your spending and diverting a budget plan is often a better solution for repairing credit and building your rating. If you file for bankruptcy of debt consolidation you are only adding more headaches to an already bad situation. Bankruptcy goes on your credit report for more than ten years in most cases. When lenders see that you have filed bankruptcy they often stop you at the door. Debt consolidation loans add additional expenses to your bills. Most debt consolidation loans include high interest rates, and payments to creditors that are insufficient and often keep you on needles and pins while your bills are paid. Therefore, the best solution for repairing your credit and building your rating is to save money. First, you might want to invest in software programs that have tools for budgeting and saving. The small investment could save you headaches by allowing you to use tools. Keeping a record of your expenditures will start with a monthly budgeting scheme. If you are using software programs it is easier to budget, but if you choose to go on your own, you can set up a form. The form will have a header Daily Spending for the week of ————–. You will add in each day of the week, how much it cost you each day to survive, and the total of the week once the week has ended. It is wise to make several copies so that you can monitor your spending over the next few months. Since Sunday is considered the first day of a starting week, it is always wise to start on a Sunday recording your budgets. Be sure that you record all your spending, as well as money saved, earned, taxes, fees for banking, and so on. At each week when your bills are due try spending as much as possible on your bills, only allowing x amount of dollars to survive the following week. For example, if you have a phone bill of $113, a water bill of the amount $79, lights $89, gas $99 and you have the amount of $375 paid to you, you know that you can’t pay the full amount of the bills to survive. Therefore, you will need to set up a budget to meet the demands put on you. It is wise to cut back. If you have cable or satellite TV, you might want to disconnect until you get your bills caught up. You can always rent movies for a low fee each month online, or get a movie or two once every week for entertainment, however, if you can do without entertainment altogether until your bills are paid, how much better to repair your credit. Your credit is more important to your future than any single movie, unless you are making millions from the movie. Radio music is often free, as well as other entertainments. Try to find something that doesn’t cost until your bills are paid, then you can restore your life. You might even want to create a form that estimates your monthly installments as well as your expenses for survival. On the monthly form you will list your gross pay, bonuses, pensions, retirements, child support, and so on. Finally, you will calculate your monthly receives and deduct them by the amount you owe, leaving enough funds available for your survival. While you are calculating your expenses be sure that you find ways to cut back on areas of your spending. This will help you to find a way to alter your spending habits, yet survive each month. After you have saved for a few months you will see that you have more money to spend toward your credit repair. Cut backs should include groceries, personal care, medical, pet expenses, gifts, vacations, and so on. Keeping track of your records can help you to repair your credit rating and score as well as help you to rebuild your credit. If you have a low paying job you might want to find a job that pays better wages. You might even want to take a part-time job to compliment your full-time job. There is always a solution for building credit or else repairing what is already lost.

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YFL Family Mint

FamilyMint is an award-winning online money management and goal-setting application that offers an engaging way for kids to learn financial responsibility. It’s easy for kids to use, lets them connect their money with real-world meaning, and most importantly, learn by doing. Your UCES Protection Plan membership gives you access to the YFL’s FamilyMint web and mobile interfaces, provides a quarterly financial newsletter “snippet” for kids, as well as detailed information on how to bring the FamilyMint workbook program to your child’s classroom.


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When it comes to your health and your assets, you’re used to being in charge. The decisions you make for yourself and your family are important because you know what’s best for you. unfortunately, in the event that you aren’t able to speak on behalf of these decisions, someone that doesn’t understand your wishes can end up making them for you. Without an estate plan in place, these crucial choices regarding YOUR health, YOUR finances, and YOUR family are suddenly out of your control.
Many people disregard planning for unexpected events because they’re “too young,” it’s “too expensive,” or they just don’t realize the importance of each piece that goes into a Will & Trust. MyCare Plan is a comprehensive planning package, customized to your needs, covering each of the essential parts that make up a full estate plan.




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Life Insurance

A life insurance policy gives you and your loved ones protection from the unexpected, offering the peace of mind knowing that your family will have financial security at the most challenging time. Symetra, your Term Policy provider, has been in business for more than half a century, operating on a foundation of financial stability, integrity and transparency. Symetra is committed to creating employee benefit products that people need and understand.
To participate in the term life insurance program provided by Symetra Insurance Company, you must be an active 1099 participating representative of United Credit Education Services.


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Your Interactive Virtual Safety Deposit Box ...

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†Identity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

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