Skip to main content

Frugal Ways Of Re-Building Your Credit Score

Credit score is a funny thing isn’t it? Miss a payment for one thing due to illness or not being paid correctly and your credit score immediately drops making you less appealing to lenders or services that offer a pay over time option for their goods. It’s too easy in this day and age to slip into a rut where your credit score keeps dropping, and it’s difficult to build yourself back up. Here are some frugal ways in which you can rebuild your credit score.

So you’re now out of debt (or well on your way to being debt free at least) and you’re looking on improving your credit score so that you can begin commencing your future plans. Take a look at these ways in which you can improve your credit score:

Stop Spending

A bit of an obvious point, you may think? You’d be surprised at how many people continue to spend money that they can’t spare even after pulling themselves out of debt. Take a look at the direct debits and standing orders that go out of your bank account each month. Can you get rid of anything unnecessary like subscriptions to a magazine or a gym membership that you don’t use?

Getting rid of anything unnecessary will free up some of your money to keep in your bank for any unexpected bills that may come along, or even help towards paying off any debts you still owe. Also, having your bank in credit will get you back in the green with your bank, meaning that if you were to apply for a loan at any point they’d be more likely to lend you money.

Credit Card

Yes, you’ve read that right. Applying for a credit card could boost your credit score massively. There are many lenders that will give a credit card to people with bad credit with the purpose of helping your regain that trust from lenders. offer many different types of credit card, including the type that will accept you even with a low credit score.

Remember though to use the credit card for things that you’re able to pay back, and don’t use it as an excuse to go spending and land yourself in debt again. After a few months, or even a year of showing that you’re trustworthy with money, you should see that companies are more accepting of you because your credit score has improved.

Save To Spend

It’s understandable that there are times in life where big purchases have to be made. For example, if your washing machine breaks then you’re going to need to find the money to buy a new one, and if you’re unable to do that straight away through the use of a credit card or a service like Littlewoods, you might become stuck.

Make sure you’re saving any spare money you can for times like this, so that you don’t have to take out a loan or scrimp and scrounge for the money needed for the necessary items.

Try these three frugal ways of rebuilding your credit score today!


Popular posts from this blog

Copycat Boston Pizza's Bandera Bread

Have you ever had a craving for something but then once you looked at it you realized, I can make that myself for next to nothing? That's how I felt last night I thought about ordering in some food but then realized I really don't want to spend any money. I really wanted pizza bread from Boston Pizza. So I recreated it and oh my goodness was it ever good. Try some of these great recipes too!  Pizza Bread Dough 1 cup warm water 1 tsp instant yeast 1 tsp sugar 2 cups flour  Seasoning 1 tbsp melted butter 1 tsp garlic powder 1 tsp onion salt 1 tsp parsley 1 tsp rosemary 1 tsp basil 1 tsp oregano 1/2 tsp sugar 1. Combine the water, yeast, and 1 tsp of sugar in the mixing bowl and let stand for 5 minutes. Add the flour and salt and mix until a ball of dough forms. Roll ball onto a floured counter top and knead for a couple minutes.  2. Put dough in an oiled bowl and let rise for 30 mins in a warm place with a clean cloth draped over top. While your doug

DIY Table Revamp - Guest Post

Hi all! I'm Tiffany from This Motherhood is Brought to You by Xanax and I am so excited to be a part of the Guest Post Swap and to be Amanda's swap partner! I love love love her idea on how to make indoor snowballs with egg cartons. I am definitely going to have to try that with my kiddos since my smallest one has decided that it has to snow for Christmas. Poor baby doesn't know snow is hard to come by in Alabama :( For my guest post I wanted to share a little DIY with you guys that involves duct tape! A few months ago my daughter's little chair that goes with her table she sits at every day tore and she made it worse by pulling all of the stuffing out of the seat! What started out as a quick fix turned into a great idea. She loved her seat so much that she has now decided that her table has look cool too so being the smarty pants that she is, she tore her table!

Amazing Ways To DIY Your Nails In The New Year

Having beautiful fingernails can really boost a woman's confidence. Not only do they feel sexy and sassy but they look well maintained and professional. There are a number of different styles of manicures you can get done professionally but they can be costly and if you are trying to stick to a budget and save money it is best to give DIY a try. These beautiful nail designs are easy to do and look fantastic. There are some that are more intricate and some that are simple but all will be amazed that you made them yourself. Try using small gems and crystals at the tips to add a touch of sophistication.  Tips make a world of difference and they can be as easy as you wish. There are so many beautiful polishes that have amazing colours you can match. These simple nail designs can be done by any busy lady and make a lasting impression to anyone who comes across them. Hot Beauty Health has all the instructions for these super simple nail designs. There are a large number