personal finance

personal finance

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  • Dad  now that I am out of college I want to live in my own apartment.
  • Ok lets look into it and see if you have enough money for this.
  • Dad before we look into this I need to tell you something... I lost my job at Subway a few months ago and I have missed a few payments for my credit card.
  • Ok lets look at your credit report and see what your credit score is.
  • Ugh I'm sorry Dad would you mind just paying for my cellphone bill for just this month please?!
  • Ok so your late for your cell phone payment. Also, you overspent your creditcard limit. 
  • I don't know :(. My credit score is all the way at 520 isn't that good at least?!
  • Yes fine I will, but how do you expect to live in your own apartment when you can't even pay your phone bill and have no job or savings?
  • Oh my God! Ahhh!! What should I do to fix this Dad I want to live on my own before I'm 50!
  • Actually no honey I'm sorry to break this to you, but a good credit score is around 700.
  • Okay ugh this is going to be so hard when the new iPhone comes out next month!!
  • Oh don't be silly hun you won't be living with us until your 50... well I at least hope not...kidding! To improve your credit score we will get you a job, you will pay your bills on time, and you won't overspend.
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