Financially Fit Fridays: The First 3 Things to Focus On If Your Credit Is “Bad”
Let’s start here — honestly.
If your credit is “bad,” it doesn’t mean you were careless, irresponsible, or reckless.
Sometimes it means life hit hard.
I know this personally.
After my divorce, my income was cut by nearly a third. I was receiving absolutely no financial support, yet the bills, responsibilities, and debt didn’t shrink with my circumstances. I did what so many people do in survival mode — I tried to keep up.
Financially Fit Fridays: Common Credit Myths That Keep People Stuck
There are few topics surrounded by more misinformation than credit.
Well-meaning advice passed down from family.
Half-truths shared online.
Rules that sound responsible but quietly cause harm.
Many people aren’t struggling with credit because they’re careless — they’re struggling because they’re operating on myths instead of clarity.
Let’s clear a few of the most common ones.
Financially Fit Fridays: What Credit Actually Is — And What It Is NOT
If you’ve ever checked your credit score and thought,
“How did they even come up with this number?”
you’re not alone.
Financially Fit Fridays: Why Credit Feels So Overwhelming — And Why It Doesn’t Have to Be
For many people, just seeing the word credit can trigger a physical response.
A tight chest.
A pit in the stomach. That urge to scroll past, avoid, or tell yourself, “I’ll deal with that later.”
If that’s you, I want you to hear this first: