For a digital Google Drive version that you can edit online, click above.

For a digital Google Drive version that you can edit online, click above.


{Listen to the audio of this week's challenge}
Be sure to complete your deposit for your 26 weeks savings challenge - details below.

We are going to be focusing on your credit for this week's challenge!

Note: If you are outside of the U.S. be sure to search for your country's equivalents of the tools I mention in the checklist download.

You probably know how important your credit is. From buying or renting a home, applying for a job, getting financing for a business, to getting a contract cell phone, your credit is used to determine how financially responsible you are as well as the interest rate you will get on any loans.

The difference of even a half percentage point on an interest rate can cost you a ton of money in interest payments, and so you want to make sure you get your credit in the best possible shape especially if you know you will need to leverage it in the near future.

It's important to in mind though, that the whole reason credit was designed in the first place was to allow people to leverage debt (and you don't need me to tell you how dangerous debt can be!). Your goal should be to use your credit in the right way i.e. towards buying a home and not for things that do not further your financial goals.

Key things you should be doing to keep your credit in order:

WK 11 - Credit.jpg


  1. Pull your credit report frequently
  2. Place active monitoring on your credit report (Unfortunately credit breaches are the norm these days)
  3. Dispute errors on your report in writing
  4. Address outstanding debt or debt in collections (Call and ask them for a payment plan and if it is possible to remove the negative remarks from your credit report when you pay off the debt you owe them)
  5. Seek professional credit coaching if needed
  6. Avoid unnecessary credit inquiries by not acquiring unneeded debt

Be sure to also check out these articles on the Clever Girl Finance blog to gain more insights on your credit (click the title):

Your challenge this week is to use the downloadable checklist on this page to work on improving, maintaining and monitoring your credit.

P.S. Don't forget to share your progress in the Facebook group!


It's week 11 of The 26 week savings challenge!

This week, your savings deposit amount is $43.00

(If you've been consistent with your deposits, this week's deposit will bring your balance to $253!)


  1. Make your transfer.
  2. Check off this week's amount on your savings challenge schedule.
  3. Share your progress in the Facebook group!

Note: This challenge will be on-going throughout this accountability program in addition to your other weekly challenges.