Credit Score Goals

As a goal oriented person, I always love setting New Year Resolutions, or New Year Goals, every year. I know alot of people that are adamantly against this. People say, “why bother if you’re just going to fail.” I see their point (kinda), but I have always followed the ideology of it’s not how many times you fall, it’s how many times you get back up. Fear of failure isn’t an option, but what’s more, it gives me something to work towards, as well as an opportunity to set an intention.

One of my New Year Goals for 2020 was to raise my credit score to 800. This one was tricky because I knew so much of this achievement would be out of my hands. First of all, there are 3 credit bureaus calling the shots and they don’t even agree with each other. Second, it’s a mystery to me how it even works. There is a lot of bait involved in this credit business. For example, my credit score would slowly tick up as I paid off debts and kept lower balances, but when I had a car emergency and had to take out a car loan, I was stunned to see that my credit score shot up several points after taking on this new large debt. Why? I didn’t feel I should be rewarded for that, but it’s some weird formula to encourage you to keep spending, and most people spend beyond their means when it comes to credit. Third, it took me years to get to 700 alone. I got my first credit card in college, along with the school loans, and promptly threw my score in the gutter for over a decade at just over 300 points. To say I was irresponsible with my credit is an understatement. I came from extreme poverty with a subzero financial IQ before I turned this ship around.

So, as you can see in the image, I did not achieve my goal of 800 points, BUT I did gain 89 points from the year before. In December 2019 before I made this goal I had just hit 700 even. Is this a failure? NOPE. This goal gave me mindfulness. Every month I recorded my updated score. I was encouraged because I was actively paying down debt, learning to live within a budget, and watching the score go up. I’ve been working on my budget for years but it takes a long time to master! Having this goal made me focused and vigilant to get the best results possible by persevering and course correcting as needed. I’d call this a win.

A credit score of 800 or higher is considered perfect and I was able to get so close that now I can definitely have it as an achievable goal for 2021. Even though it will take me a little longer to get there, I’m stoked to have stayed the course and to keep reaching higher.

What financial goals are you setting for yourself in 2021? Remember, it’s never too late to start anew. I re-evaluate my New Year Resolutions every quarter to make sure I’m on track and make updates if anything has shifted. It’s not written in stone, it’s your life novel to write and edit as you deem fit. You can do anything you set your mind to. I believe in you!

If you can believe it, you can achieve it.

~ Napoleon Hill

Navigating Poland

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It’s been 11 days and 3 (or 4) countries since I left the US. I barely know where to begin to transcribe all of the amazing that has occurred since I landed in Dublin. The freshest memories are the newest so I’ll start here in the middle, writing from Warsaw. It’s pretty amusing how I spent my first few days getting sorted in this latest foreign language.

I flew to Gdansk, Poland from Edinburgh, Scotland much to the surprise of many fellow travelers I’ve met in Europe. It is apparently rare for an American to go from the UK directly to Eastern Europe, even skipping England completely. If you know me at all then you know I’ve never done anything by the book. I like to do things my own way and I especially like to stay off the beaten path whenever I can help it. My decision to skip over the pond to Poland was easy. For one thing, despite the fact that I am a typical American mutt, I’ve discovered that I am 1/4 Polish from my mother’s side. Coming from a broken family, I wasn’t raised with much culture or genetic awareness and I’ve recently become interested in unearthing the mystery and tracing my roots. It’s a funny thing not knowing much about one’s own ancestry, a bit like floating aimlessly while also being very grounded in pure biological humanism. I haven’t gotten too far into the search yet but it is fascinating to look around at these Poles and see similarities in cheek bones and hair texture to the extent that many look as if they could be my cousin. On a simpler note, the other incentive drawing me to Poland is that my buddy, Daniel, whom I met while we were both traveling in Alaska, lives here in Warsaw and it’s always fun to visit with a fellow traveler. We are a special breed and I always enjoy that unique brand of comaraderie.

Daniel has a job during the week so the plan was to meet up on the weekend. I found a ticket to Gdansk for about $20USD so that seemed like a good place to start on my own. Daniel suggested Poliskibus from Gdansk to Warsaw so I busted out my iPhone to check it out. Google Translate immediately popped up to assist but the translation was some combination of Polish and English, or at least it was some mixture of letters that appeared to be in either language, and the result was completely nonsensical. I fought my way through it for a spell but then I decided to cross reference the budget airline RyanAir and sure enough I found a flight from Gdansk to Warsaw for another $20. I booked directly on the app from a pub in Edinburgh while enjoying a half pint of Innis & Dunn and still succesfully avoiding Haggis…I’m just not brave in that way. When I got around to telling Daniel about my plan he enlightened me to the fact that the airport I booked, Modlin, is quite a long way from the city center. I didn’t really mind. I figured some days are longer than others and I’ve never been afraid of a little extra hike. It typically gives me time to catch up on reading and journaling.

When I flew into Gdansk I hopped on the 210 bus into town and it was about a 30 minute ride. The bus was a bit crowded but it was modern and easy to follow the stops on the digitized scroller. When Brama Wyzinna showed up I knew it was time for me to pop off and then it was an easy 1km stroll through the main plaza. My hosts were hilarious and kind. They made me pierogies and bought me a special honey beer that was delicious. I was provided with a bicycle the next day and biked down the river and all around the town. I adore architecture. I didn’t ever realize this until I moved away from Philly a decade ago and found myself complaining about the buildings. I thought it was an odd thing for me to be going on about but I realized how lucky I am to have grown up in one of the original 13 colonies with so much care and craftsmanship in the architecture. Many modern US cities have bland square buildings that were just assembled quickly and cheaply and it’s quite unappealing to anyone with a creative eye. The old buildings on the square of Gdansk are lovely and feel like a movie set. They are colorful, super tall, and flat in rows. At the top they are curved and had a real eastern european feel. I could go on but I don’t know enough proper architecture terms so you’ll just have to come some my photos when I get my cafe up and running. I’ll have lots of travel pics up as part of the main decor and I’ll be doing a series of exhibits from time to time.

Fast forward to my flight out of Gdansk which was scheduled to leave at 6:40am. I’m no stranger to early flights so I was unphased until I spent what felt like eternity trying to find out what side of the road the night bus runs. Everyone had a different opinion because Brama Wyzzina is a new addition to the night route and also there was some construction happening there. I had 2 reputable sources disagreeing with each other so I decided to walk around to the bus stops and see which one listed the “N3” at the stop itself. It rained all day but it was a soft misty rain so it was irritating but not driving enough to sour my experience. I walked to all the covered stops on both sides of Brama Wyzinna and none listed the N3. I then walked down to the central station and checked the 8 or so consecutive covered stops and only one listed the N3. You would think this was a relief, but it was on the same side of the street as I arrived and I was uncertain if I could trust if it was a pickup and not a drop off location, especially with the locals arguing about it.

I don’t want to spend this whole post complaining as that’s not my style so I will try to summarize the issue briefly. I’ve flown other budget airlines in Europe so I know it doesn’t have to be this way but this would be my 2nd flight with RyanAir and I was starting to discover the hassles that they provide. You can check in with their app but with a US passport they will not provide a digital boarding pass and then as I found out you have to pay an additional $20 to print a boarding pass at the airport. I could’ve printed it beforehand but I’ve never heard of such a thing before and had no foresight the first time. Additionally they want you to be at the airport 2 hours early for some reason. I thought this was all because I was entering the country the first time, but then it was repeating itself as I tried to prepare for my flight to Warsaw from within the country. This meant I had to catch the 4am night bus and the boulevard is so wide that if I missed it for being on the wrong side of the street then there would be no way to recover. I finally said screw it and ordered a taxi to pick me up at 4am. This would cost 50PLN, $13US. If I had done the conversion early I would’ve realized that my sanity is certainly worth that low amount but I was still having a bit of culture shock and was simply taking too much in to realize. Besides I typically like taking the local route to get that extra dose of culture but screw walking to an unknown bus stop at 3:30am.

I messaged Daniel in my exasperation and he informed me that the bus from Gdansk was only 44PLN and drops me at the metro line 10 minutes from the location where I was planning to stay. With the flight it would cost 50PLN for the taxi and the airport  was an hour out of the city and would take a shuttle to a train to a metro to get to my place. I don’t know the cost of all the combined transportation from Modlin to Warsaw but the answer was becoming clear: burn the flight and take the bus directly….like Daniel said from the beginning. HA!

SO! it took me a day to get in the groove with transport in Poland but a few days later I’m finding my way fairly easy. I’m living it up now, learning some history and local customs, a few key words, discovering the arts and local scene while meeting lots of fantastic people in cozy boheme cafes. Flow has been achieved.