Month: July 2018

The saying is that one will achieve what one believes. I really believe this is true. So, if you regardless of what you believe, it is possible to achieve. One just needs to take the steps necessary.

 

There are many examples of how this works. One example, if you want to be debt free you need to first believe it is possible to be debt free. Once you believe, then you will take the necessary steps to achieve it. You might stop going out to dinner or you might get a second job to increase your income. Anything is possible once you believe it to be possible. That is truly the first step to success.

 

Another example is if you want to run a marathon. First you need to believe it is possible, then you will begin training and doing the things you need to do to make it happen. You may even hire a coach.

 

By the way, hiring a coach is not a bad idea. They provide a lot of good information and teach you how to do what it is you want to achieve. Coaches provide information on best practices and new theories. However, you have to do the work. For most of us there is no pill that will deliver immediate results. It always takes work and effort to achieve anything of importance.

 

I want you to consider what you would like to achieve by the end of the year and see if you can actually do it. I will caution you to make it realistic. Something like payoff the car or run a marathon or take a college course. Try it and see.

 

You can achieve what you believe.

It is finally time. Time to end a long-standing relationship. I have finally decided that the relationship has not been in my best interest. As a matter of fact, I think this relationship has been terrible. What relationship you ask? I am ending my relationship with FICO.

I have decided to let FICO go out of my life. I will no longer care about credit and credit scores. You see, I just don’t need to borrow money and pay large sums of interest to banks and lenders. I know that like in all breakups friends will be forced to choose sides and that is okay. If you choose to remain friends with FICO, it will be okay. All I ask is that you don’t ask me to keep inviting FICO into my life.

I have come to the realization that if I cannot pay cash for an item, vacation, whatever; I simply don’t need it. I can wait until I have the cash to make the purchase. And I am okay with that idea. I only needed FICO to get credit so that I could improve my FICO score. That makes no sense. It has been a terribly one-sided relationship which resulted in negative consequences for me. There was no need to keep paying today for yesterday’s purchases. And I won’t do it. So, there it is, goodbye FICO I wish you well and hope you have a good future somewhere else.

Now, I know this won’t be easy for me. I will need to change a lot of behaviors and possible develop new friends. But, in the long run I know it is the best decision and in my best interest. I have a few things which will linger in my life a keep FICO around and involved. Things like a car payment and a mortgage, which still need to be paid off. However, I will not let that keep me from moving forward into a better future without FICO.

Goodbye FICO it is time to part ways.