About Me

Since 2005 I have made thousands of dollars online. I've tried almost everything from paid surveys, paid to click, freelance writing, mystery shopping, merchandising, and more. I am always looking for new ways to make money. I love to read and write and I have successfully self-published a novella. I really enjoy learning and I find the best way for me to learn is to share what I've gained with others.

The goal of this blog is to share what I've learned from self-employment, side-hustling, financial ups and downs, career changes, and just what it's like to be a working mom/single parent.

Let me share my journey--the good, bad, ups and downs--with you.

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Sudden Credit Score Drop: Reality Check

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You’ve worked hard. It took you roughly a year and a half to raise your credit score by 180 points. You only have two negative items left on your credit report, but the rest of your accounts are positive. You make sure to pay your bills on time every month, even if it is the minimum payment amount. Then, your heart skips a beat, your stomach turns, and you become nauseous. You receive a notice from your credit monitoring service alerting you to the fact that your new credit card has been posted to your credit report and your score has decreased by 160 points. Unfortunately, that’s a true story. It is my true story. None of my credit cards were maxed out. All my payments have been made on time. So, what happened? Well, to make note of the good news first, my score should go back up quickly. However, having one credit card that is still in collections hurts me because, although all my open credit is in good standing, I don’t have very much available credit since my limits are lo...
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