Credit Karma: FREE Credit Score, tools, & tips to help you understand your scores!

If you’ve followed my blog for some time, you know I am a big proponent of keeping an eye on your credit score.

I maintain a high credit score and keep my debt-to-income ratio low by using Credit Karma to monitor my scores with all three major credit bureaus.

I can check to see if there is anything on there that doesn’t belong and clear up any issues as soon as I see them.

It’s never too early  (or late) to start monitoring your credit.

Young adults should take a peek at their credit, and Credit Karma offers tips and tricks to help build their credit.  Good Credit is important- it’s the gatekeeper to so many things in life! Good credit gives you better access to better APRs for credit cards, mortgages, car loans, and lines of credit.

Regardless of your age, Credit Karma is here to help you FOR FREE!

  • Compare personalized offers for credit cards, loans and more without hurting your scores.
  • Get alerted when there’s an important change on your reports.
  • Learn what affects your credit scores and what you can do to improve them.
  • See personalized recommendations for ways to use your credit more wisely

Did you know that the recent FTC study found that over 20% of Americans, or 40 million credit reports, have reporting errors that are costing consumers money in credit card interest rates and loans?

Make sure that your credit report does not contain erroneous information that could be impacting your credit score. Keep tabs on your credit report activities and your score by signing up for free credit monitoring and score services like Credit Karma, so that you can easily protect your financial good standing.

 

 

Managing Difficult Health Situations Within your Family

Note: This is a lot different from my usual content, however, I feel this type of information is important. A lot of us are starting to deal with aging family members. It can be difficult. There isn’t a lot of readily available information out there. As someone who has spent the past 13 years advocating for my kids, I feel that I have a unique perspective and insight into how we as healthy, able-minded folks can help our ill and infirm relatives navigate tough health issues to receive care.

A lot of us Gen X and older Millenials are starting to reach the age where family members are having age-related illnesses, and or passing away. My dad passed away about 2 years ago, and he was sick for almost a year. Managing and navigating illness in the 21st century is very different than it was even 40 years ago. Here are a few things that I’ve learned on this journey:

The doctor/specialist who is dealing with or managing health issues (like cancer, mental health, or cognitive issues) may not be equipped to deal with all aspects of the patient’s health.  This is especially true if the patient is seeing a specialist.

Part of the Team: Make sure to loop in your family member’s primary care physician. The primary care physician may not communicate with other doctors in your care team otherwise. They may not know that you have a long-term illness if they did not diagnose you. Your primary care physician can also help you with any side effects or additional issues that may arise from the treatment of your new condition. For example, some medication can cause G.I. issues, and your primary care physician may suggest prebiotics and probiotics, or changing vitamins and supplements to be a little more gentle on the stomach.

Getting help from an Expert: All hospitals and medical centers have social workers. The social worker is your best resource for help navigating the healthcare system. They are an incredible resource, they have so many ideas and suggestions, ways to help your family, and they have access to help you obtain services that you may not otherwise be aware of. They can refer you to services within the health care system, and frequently they have connections externally as well for other resources to help the patient and the family.

If you have a family member who is ill at home and requires constant care or attention, you may qualify for respite services. Respite is for the caregiver of the sick individual. It pays for someone to come into your home and provide care, so the usual familial caregiver can rest or spend time out of the home alone, doing errands, etc.

Some insurance companies provide respite for their patients. Many states offer respite services for specific groups of individuals (such as people with developmental disabilities, dementia patients, or those on in-home hospice). Contacting the medical group social worker or insurance company is a start to finding out if respite is available to you.

Some insurance companies also offer assistance with pick up or drop off if your family member is at home and needs to visit the doctor or hospital frequently.

Medication: Make sure that all of the medication the patient is taking goes to the same pharmacy. Pharmacists are trained to look and make sure that medications are safe to be taken together. Especially when dealing with a long-term illness or something that affects several parts of the body, it’s good to know that all of the medication being dispensed is appropriate and safe for your loved one. You can also ask if over-the-counter medications (such as NSAIDs, single-letter vitamins, or herbal supplements) can still be taken with new medications.

Medication delivery is sometimes available either through the hospital pharmacy, or chain pharmacies like CVS. CVS Care Pass Members can get most of their medications delivered for free.

Other changes and getting help: Are you worried about your ill family member eating properly now that their life has changed, and their nutritional needs may have also changed? Ask your doctor for a referral to a nutritionist. Also if your family member is insistent on maintaining their pre-illness/condition way of life, they may need to see a physical therapist, or an occupational therapist to make sure that their body is strong and able to maintain independence.

It’s not all in your head: In addition to physical health mental health is important as well. Getting a psychiatric or psychological consult to meet with a psychologist or psychiatrist may be beneficial. A lot changes when you receive a diagnosis. And it can be hard on the entire family. Not just the patient. Having resources and an impartial person to talk to and help you is definitely something that everyone involved should seek out.

If your family member isn’t sleeping well, or they have started developing nightmares or are not getting restful sleep, see if you can see a sleep consultant. They can check for sleep apnea or help with strategies (beyond just medication) that will help the patient get restful sleep. Sleep is definitely important when your body is dealing with an illness.

You are not alone: Many specific illnesses (types of cancers, specific neurological illnesses/disorders) have support groups, and nonprofits that can help family members too. So if you are dealing with a specific issue, a quick Google search can help find a community of caregivers and patients in your area that have gone through what you and your family are going through, and they can provide a wealth of specific helpful resources in your area.

Free Credit Score and Monitoring with Credit Sesame!

April is Financial Literacy Month. Part of being financially literate or aware of your financial situation is to make sure that your credit report is correct. If you haven’t taken a look at your credit report lately,  it’s time to give your finances a fresh look and get your credit in tip-top shape.

Did you know that the recent FTC study found that over 20% of Americans or 40 Million credit reports have reporting errors that are costing consumers money in credit card interest rates and loans? These reports aren’t always indicative of something nefarious like your personal data being stolen, sometimes information on your credit report may belong to someone with a similar name as yours, or someone with a social security number close to yours. Whatever the case, it’s important to check your credit report once a year at a minimum, and make sure it’s correct.

Start by making sure that your credit report does not contain erroneous information that could be impacting your credit score. Keep tabs on your credit report activities and your score by signing up for free credit monitoring and score services like Credit Sesame, so that you can easily protect your financial good standing.

Credit Sesame is 100% free and offers-

  • Receive daily credit monitoring alerts
  • Get your FREE Credit Score Monthly
  • Limit ID Theft Damage
  • Find Potential Errors Sooner
  • Access to Better Loans and  that Can Save You Money

What are you waiting for? Click here to register for free in under 2 minutes. You’ll get your free credit score and a complete view of your credit and loans. Plus, when you turn on the Credit Monitoring feature, you’ll be notified of changes to your credit profile, along with $50K identity theft insurance and live agents to help you restore your identity in case of theft. All for free. All in one place.

Get your Free Credit Score and More With Credit Sesame!

Recently, we refinanced our home. Our lender was super impressed that our credit scores are so high (oh hi 800 club). One of the ways I’ve been able to keep my credit score so high is that I use Credit Sesame to monitor my scores with all three agencies.

I can check to see if there is anything on there that doesn’t belong and clear up any issues as soon as I see them.

Did you know that the recent FTC study found that over 20% of Americans or 40 Million credit reports have reporting errors that are costing consumers money in credit card interest rates and loans?

Make sure that your credit report does not contain erroneous information that could be impacting your credit score. Keep tabs on your credit report activities and your score by signing up for free credit monitoring and score services like Credit Sesame, so that you can easily protect your financial good standing.

* Receive daily credit monitoring alerts
* Get your FREE Credit Score Monthly
* Limit ID Theft Damage
* Find Potential Errors Sooner
* Get Access to Better Loans and Save Money

And unlike those “free” credit report offers that you see on TV with the catchy jingles,Credit Sesame is 100% free. You don’t have to enter your credit card number.

Good Credit is important- it’s the gatekeeper to so many things in life! Good credit gives you better access to better APR’s for credit cards, mortgages, car loans, lines of credit.

FREE Credit Score and Savings Advice from Credit Sesame!

Knowing your credit score is important. Having good credit can help you in several aspects of life:

Good credit gives you better access to better APR’s for credit cards, mortgages, car loans, lines of credit.

Credit Sesame is so much better than some of the other credit report services.

  • You can get your credit score for FREE each month.
  • No credit card required – ever.
  • Personalized savings advice!

Getting started with Credit Sesame is easy- just click here! We’ve been using Credit Sesame for over 5 years!