All by Vangile

My credit history sucks.

This is the first time in my adult life that I've been debt free but I learned the hard way that being debt free doesn't lead to a good credit score.

Unfortunately for me, I learned this as I was in the process of buying my apartment, which added another 6 months to the entire process because I had to take time out to improve my credit report and credit score.

For the first time in my life, I have an investment portfolio and am focusing my attention on growing this portfolio.

Getting to this point has been a journey of emotional ups and downs.

One of the emotions I struggled with for years was frustration and anger about money and not having enough money to buy food, let alone save or invest.

Learning how to budget and plan my finances was one of the ways I saved money. Even now, a budget helps me see where my money is going and to keep track of all my finances.