Honestly, I feel credit and personal finance should be taught in high school. Before we graduate, we should understand the basic concepts that will truly impact our lives. Finances and credit determine where we live, what we drive, insurance rates and even employment opportunities. By the time I was 22, I had student loans, late payments, collections, charge-offs, judgment from eviction, repossession and even a bankruptcy! I was a hot mess! Over the years, I’ve spent my time learning more about managing finances and leveraging credit. I love to share all the information I have picked up along the way. Want to chat? Hit the floating icon to the right and be sure to check out my favorite cash back credit cards and money saving apps.