Select Page
10 Credit Repair Tips for Low-Income Earners: Increase Your Score Fast and Save Money

10 Credit Repair Tips for Low-Income Earners: Increase Your Score Fast and Save Money

10 Credit Repair Tips for Low-Income Earners: Increase Your Score Fast and Save Money

Understanding Credit Repair Services:

Credit repair services can be an effective way to improve your credit score, but they are not without their drawbacks. These services work by reviewing your credit report and identifying errors, which they then dispute on your behalf. While this can lead to significant improvements in your credit score, it is important to note that there is no guarantee of success. Additionally, credit repair services can be expensive, and some companies may make false promises or engage in unethical practices. Before you decide to use a credit repair service, make sure you do your research and choose a reputable company.

“10 Credit Repair Tips for Low-Income Earners: Increase Your Score Fast and Save Money”

Your credit score is one of the most important factors that determine your financial health. It impacts your ability to get loans, credit cards, and even housing rentals. A good credit score can make it easier to qualify for lower interest rates and better terms, while a poor credit score can lead to higher interest rates and even loan denials. Unfortunately, people with low incomes often face significant challenges when it comes to repairing their credit. In this article, we will discuss credit repair tips and strategies that are specifically tailored for low-income earners. We will cover topics such as credit repair services, increasing your credit score fast, and money-saving challenges. By following these tips, you can improve your credit score and set yourself up for long-term financial success.  

Pay Your Bills on Time:

One of the most important things you can do to improve your credit score is to pay your bills on time. Late payments can have a significant negative impact on your credit score, so it is essential to stay on top of your bills. To make sure you never miss a payment, consider setting up automatic payments or reminders. This can help you stay organized and avoid late fees, which can further damage your credit score.

Reduce Your Debt:

Debt can be a major obstacle to improving your credit score. High levels of debt can increase your credit utilization ratio, which can lower your credit score. To reduce your debt, consider creating a budget and cutting back on unnecessary expenses. You may also be able to negotiate with your creditors to reduce your interest rates or work out a payment plan. By taking steps to reduce your debt, you can improve your credit score and set yourself up for long-term financial success.

Check Your Credit Report:

Checking your credit report regularly is an important part of credit repair. Your credit report contains information about your credit history, including your credit accounts, payment history, and any negative information such as bankruptcies or foreclosures. By reviewing your credit report, you can identify any errors or inaccuracies that may be hurting your credit score. You can also dispute any errors and work to have them removed from your report.

Money-Saving Challenge for Low Income Earners:

Saving money can be challenging, especially if you are on a low income. However, there are a number of strategies you can use to save money and improve your financial situation. One option is to take on a money-saving challenge, such as the 52-week savings challenge or the envelope system. These challenges can help you set aside small amounts of money each week or month, which can add up over time. By making small changes to your spending habits and focusing on saving, you can build a strong financial foundation for the future.

Understand Your Credit Score:

To improve your credit score, it is important to understand how it is calculated. Your credit score is based on a number of factors, including your payment history, credit utilization ratio, and length of credit history. By understanding how these factors are weighted, you can take steps to improve your credit score. For example, if you have a high credit utilization ratio, you can work to pay down your balances or increase your credit limits to improve your score.

Improve Your Credit Utilization Ratio:

Your credit utilization ratio is a key factor in determining your credit score. This ratio compares your total credit balances to your credit limits, and a high ratio can lower your score. To improve your credit utilization ratio, consider paying down your balances or requesting a credit limit increase. You can also consider opening new lines of credit, but be careful not to apply for too much credit at once, as this can lower your score. In Canada for example, you can get a credit builder loan to help you improve your credit score.

Use Secured Credit Cards:

Secured credit cards can be a useful tool for improving your credit score. These cards require a security deposit, which serves as collateral in case you are unable to make your payments. By using a secured credit card responibly and making your payments on time, you can build a positive credit history and improve your credit score. However, it is important to choose a secured credit card with a low annual fee and reasonable interest rates. You should also make sure that the card reports your payments to the major credit bureaus, as this is essential for building your credit history.

Increase Your Credit Score Fast:

If you need to increase your credit score quickly, there are a few strategies you can use. One option is to make a large payment on your credit card balances to lower your credit utilization ratio. You can also consider asking for a credit limit increase, which can improve your credit utilization ratio. Additionally, you can dispute any errors on your credit report and have them removed, which can also improve your score.

Seek Professional Help:

If you are struggling to repair your credit on your own, it may be time to seek professional help. A credit counselor can work with you to create a budget, negotiate with your creditors, and develop a plan to improve your credit score. They can also provide advice on how to manage your finances and avoid future credit problems. However, it is important to choose a reputable credit counseling agency and avoid any companies that make false promises or engage in unethical practices.

In conclusion, repairing your credit can be a challenging task, especially if you are a low-income earner. However, it is not impossible. By following the credit repair tips and strategies outlined in this article, you can improve your credit score and set yourself up for long-term financial success. Remember to be patient, disciplined, and consistent in your efforts. It may take time, but with dedication and perseverance, you can achieve your credit repair goals. Whether you choose to work with a credit counseling agency, negotiate with your creditors, or take on a money-saving challenge, taking proactive steps to repair your credit is a critical step towards achieving financial stability. So, start today and take control of your credit score!

10 Credit Repair Tips for Low-Income Earners: Increase Your Score Fast and Save Money


How To Create A Stand Out Brand – Advice From A Graphic Designer

How To Create A Stand Out Brand – Advice From A Graphic Designer

Not everyone is ready to hire a graphic designer. Delegating your graphic design needs can be expensive, I know because I am a graphic designer! But I am going to share with you something that most designers wouldn’t…

You Can Create Stand Out Graphic Designs Without Investing A Ton Of Money!

DISCLAIMER: This site utilizes the use of affiliate links. All this means is that if you click on a link and make a purchase, I may earn a small commission at no extra cost to you.

The first thing I want to share is that you can purchase a ready made template and then edit to add your own flaire and business information.

Quick & Painless and super easy to do!

You do not need to know how to use Photoshop or some other expensive and difficult to learn program, you can use something as simple as Canva and create stunning graphics, products and marketing materials.

And the best part is there is no waiting when you do it yourself!

Done for you Social Media Templates are going to save you a ton of time and money! You can find a template in almost any color or theme! 


Creative Fabrica has a ton of SVG files for all of your crafting needs.  There are so many available designs for many different niches. I love to peruse the gallery for Witchy , Motivational and Spiritual Designs. The best part is the they come with complete commercial licenses allowing you to use the for your business! Win Win ,, if you ask me!

Download FREE SVG’S Here 

I have made some pretty amazing gifts with the graphics I have found . #graphicjunkie

And we are now offering our own graphics that I have personally designed to be used in creating your own branded products and brand your business!


Create Branded Products With Ease!

If you are an entrepreneur, I am sure the idea of creating your own branded line or online store has crossed your mind….

With the ever growing selection of graphics and fonts, you can create some pretty stellar products for your business.

Monthly Freebies Are Available!

They have one of the largest libraries of Freebies I have ever seen, including classes! If you have ever wanted to learn how to macramé, you can do that here!

You can also find free fonts, free graphics, Free SVG’s and more!

So what can you create with these graphics?

Some of the things I have personally created are:

  • Journals
  • stickers
  • tshirts
  • hoodies
  • mugs
  • notebooks
  • blankets
  • laser engraved products
  • ebooks

The possibilities are truly endless! Brand your business like a pro with ready made spiritual graphics, witchy graphics and Print on Demand options.

If you are looking to amplify your business, I highly recommend checking out the available assets. Even if you are just a craft or design junkie, you will want this in your toolbox!

How To Start Affiliate Marketing – Affiliate Marketing Training

How To Start Affiliate Marketing – Affiliate Marketing Training

What Is Affiliate Marketing?

Affiliate Marketing is a great way to make money online. You can do it part-time or as a full-time business. Affiliate marketing involves promoting other people’s brands, products and services for a commission. So if you have a website and some visitors, then you can turn those visitors into sales by promoting products that they might be interested in buying. Affiliate marketing is all about trust and relationships. If people trust you, they will most likely buy your recommended products & services.

DISCLAIMER: Please be aware that this site utilizes affiliate links. All this means is that if you click on a link and make a purchase , I may earn a small commission at no extra cost to you. 

Can Affiliate Marketing Make You Money?

Affiliate Marketing actually make you money! The answer is yes, but keep in mind that it will take consistent effort on your part and you will need to have a system in place to make good affiliate income.  Following a 90 day proven plan can help get you there much quicker than trying to go it alone and figure it all out for yourself. Believe me when I tell you that I know this from first hand experience! 

How Is Affiliate Marketing Different Than Network Marketing?

If you are in the world of internet marketing or business, then this is a question that must have crossed your mind many times. There are so many people who claim to be experts in network marketing, but they don’t really know the answer to this question. So, if you want to know the difference between affiliate marketing and network marketing, then this blog post is for you.

Affiliate Marketing Training

Network marketing (or multi-level marketing) and affiliate marketing are too often confused. The terms are used interchangeably, but they have different meanings. In fact, the two models have very little in common, beyond the fact that both involve selling products to consumers. Here’s how to tell them apart.

Network marketing and affiliate marketing are two different types of businesses. Network marketing is an industry and business model, while affiliate marketing is a type of business relationship. Network marketing consists of selling actual products or services to other people, with affiliate marketing you are essentially sending potential customers to someone else’s products or services and making a commission when a sale is made. There is no need for you stock products, meet minimum monthly quotas or even buy any of the products yourself in most circumstances.

Tips To Start Affiliate Marketing

Affiliate marketing is a kind of marketing where the affiliate gets paid for promoting the brand or product. It is not necessary that you have your own shop to sell things, you can start with affiliate marketing. The best part of it is you don’t need to create your own product just promote the existing products. This type of marketing is very popular because there are many people who have time but don’t have money and they can promote the products online and get paid. Some companies offer huge commissions to their affiliate partners and in return they get more number of customers.

Affiliate marketing is a type of performance-based advertising in which a business rewards one or more affiliates for each visitor or customer brought by the affiliate’s own marketing efforts. The industry has four core players: the merchant (also known as the publisher), the network (also known as the affiliate network), the publisher (a.k.a. the affiliate), and the consumer, who is referred to as the lead. As long as there are sufficient sales leads generated from their affiliate’s marketing efforts, there is little if any cost for an affiliate to continue marketing products to potential customers; however, if affiliates do not generate sufficient sales leads, they can very easily lose their future commissions to competitors.

Affiliate marketing is a concept which has gained momentum during the last few years. And for good reason. If you’re an affiliate marketer, you’re essentially a middleman between two parties: merchants and customers. The merchant offers some products, and you offer that same product to potential customers via your own website or other mediums. As an affiliate marketer, you don’t need to have the product in stock, nor do you need to worry about shipping it out to your customers. You simply put in your link information and the customer is forwarded to the merchant’s site where they can make their purchase.

Which Affiliate Marketing Niches Work?

Affiliate marketing is a great way to make money online if you know how to do it right and pick the right niche. However, there are a lot of people that are into affiliate marketing that are doing it wrong and they don’t see any success with their affiliate marketing campaigns. You can avoid this by picking the right niche so that you can be successful with your affiliate marketing campaign. In this article, we will go over some of the best niches for affiliate marketing in 2022.

While there is an audience for pretty much every niche, some niches definitely perform better than others.

Most people want to improve their relationships, health and finances and these would all be great niches to start with.

Many people also see success with creating Social Media Profiles for a specific interest niche, for example , crafting , pets or home decor.

This is why I love affiliate marketing, it allows people to promote products that they love and and are interested in themselves.

Affiliate Marketing Training

With so many affiliate programs, the question becomes which ones are worth the effort? Which niches work in affiliate marketing? The truth is that not all of them do. In fact, some of them will actually hurt your efforts at building a business. But which ones should you avoid? And which ones should you go after?

While affiliate marketing can be started by just about anyone, there are guidelines to follow and certain steps to take to start creating good income with affiliate marketing. This is why I recommend taking some affiliate marketing training and learning from people who have actually had massive success in the industry. I invite you to watch this Free webinar to learn more.

Affiliate Marketing With Pinterest

One of the first ways I started affiliate marketing was with Pinterest and I am still doing it today! Pinterest is a great way to get in front of a highly targeted niche audience. The people using Pinterest are already searching for specific products and services or the solution to a problem they are having. You just need to provide the solution!

Learn more about Pinterest Marketing in my Pinning For Profit Course.

Blogging For Beginners – Step by Step Tips To Make Money Blogging

Blogging For Beginners – Step by Step Tips To Make Money Blogging

Thinking about starting a Blog to Make Money or already have a blog but are struggling with monetizing it? I have been blogging since 2012 and teach new bloggers step by step, tips on how to make money blogging.

DISCLAIMER: Please be aware that this site utilizes affiliate links. All this means is that if you click on a link and make a purchase, I may earn a small commission at no extra cost to you. This enables me to keep the website running and earning a wage, I appreciate each and every one of you for supporting the website.

Successful Blogging - How to make money Blogging

There is a lot to learn when it comes to blogging and affiliate marketing and there is no one answer fits all. Creating a profitable website that you are eager to create content for takes some foundational work.  Rest assured, it CAN be done and a little guidance and consistency can go a long way when it comes to creating a money making blog.

Affiliate Marketing 2021

When I first started my website in 2012 , I knew absolutely nothing about creating a money making website, I was tech challenged and did not have much of a budget to get started.  Having a limited budget does make things a wee bit more challenging, and consuming only free content will leave you scratching your head and wasting a bunch of time just trying to figure things out. 

But if I can give you one solid piece of advice, it would be to start from wherever you are at … JUST GET STARTED!

If I could do this while chronically ill from bed and starting from ground zero, there is no doubt in my mind that you can achieve wonderful things too!

The very first thing you will want to do is purchase your domain and some hosting.  Golden Nugget > Brand Yourself! Do not brand someone else’s business!  Once you decide on a business name .. secure your real estate! Try to keep the same name across all social media channels , while this is not always possible, do your best! This in no way will keep you from growing those channels but it does make it easier for people to find you an all social media marketing channels.

The Most Popular Hosts For Bloggers:

Once you have chosen a host for your website and you have secured your domain. Now you want to start creating your content and where you will have to do some research. ( Doing some research in your niche area prior to deciding on your domain name can also be extremely beneficial) 

HINT: The power is in the keywords!

SEO research is the foundation of getting your content in front of a relevant audience!

The Best Affiliate Networks For Affiliate Marketers

When deciding on affiliate products to promote make sure you are promoting products that are relevant to your audience. Hint: Analytics are your friend.

And also ensure that you are promoting a trusted network with trusted products! Stay clear of infomercial type products that have hidden autoship disclaimers. Pinterest does not look kindly on spammy sites.

Create Trusted Brand Partnerships

I always recommend that people promote products that they actually use and love. This allows you to create authentic marketing and build trust with your audience.  You are the face of your brand and people do business with people that they know , like and trust.  

How To Brand Your Business

Creating a professionally branded image is important when it comes to growing your business and I believe played a crucial role in creating a successful partnership with so many reputable companies that are geared towards helping you improve in all areas of your life, like my partnership with Jack Canfield.

How To Create A Branded Image For Offline Marketing

If you would like step by step instructions and some guidance on creating a business you are passionate about, I invite you to join How To Make Money Blogging With Affiliate Marketing & Pinterest Membership! 

How To Grow Your Small Business – Marketing Ideas For Small Business & Start Ups

How To Grow Your Small Business – Marketing Ideas For Small Business & Start Ups

Trying to grow your small business but tired of attending webinar after webinar only to find out that you need $1000’s of dollars for High Ticket Coaching Programs? I have heard it time and time again from Entrepreneurs and Small Business Owners who just don’t have that kind of budget! That is why I have created Small Business Accelerator. This is going to teach you all of the small moving parts so that you can build your business at your own pace and comfort level and will provide you with marketing ideas for your small business that will not break the bank and will help you get to green on your financial reports.

Small Business Marketing Tips

Let me preface this by saying your business will grow much faster if you are able to delegate tasks and hire a professional coach, graphic designer, website builder and someone to manage your social media. However, not everyone is at a stage in their business where the budget will allow for that kind of growth.

So what DO YOU DO when you are a solopreneur or small business owner with an even smaller marketing budget?

Marketing Tips For Your Start Up Business

What many people do not realize is that there are countless ways for you to DIY your marketing and make money from home.  In fact, what I teach in the Small Business Accelerator will leave you with an entirely new skill set that will allow you to add several streams of alternative income should you choose to do so.

Perhaps budget isn’t even the biggest factor  … like many , maybe you just want to be able to control every aspect of your business and have the freedom to make changes as you see necessary without having to wait for someone else to complete the task or having to pay for revisions. Sound like you?

I have seen so many people either fail or not start a business because of budget constraints and I can totally relate!

Several years ago, when I was just getting started, I was in the same position. So I did what most other people would not do …

I TAUGHT MYSELF!  ( Just look to the side and you will see how many times my posts have been shared across social media) 

Now I run 5 websites and work with some of the World’s top Leaders and Coaches. ( And Yes , I Do have high ticket programs as well but I really wanted to be able to help people who were in the same position I once was.

I would love to hear what your biggest struggles are and help you work through them to increase your website traffic , leads and ultimately your sales starting with some low cost marketing ideas.

And even if you don’t have a business just yet but would love to start one , I can advise you on the some of the best ways to get started so that you can create a business that you love and make money from home.

Verified by ExactMetrics