I am a person who works best with a schedule in hand. I have lists for everything – from what has to be done to who needs to be called; without which I would be in big trouble. I also keep careful schedules of what has to be done around my house from season to season. For instance, we stick to the schedule of changing the batteries in the smoke detectors, as well as testing all smoke and carbon monoxide detectors, when we change the clocks. I know what needs to be done month to month to ensure that my home is run in the most efficient manner possible.

Finances are also a big thing to keep track of; in addition to the everyday tracking of expenses and budget there is the overall consideration of the bigger picture. Part of what we do every year is to order free credit reports from the credit bureaus so that we are always up to date about what is being reported on our credit report and how that may affect our credit score and subsequent borrowing power. It is so important to order free credit reports from each of the three credit bureaus and because you are allowed by law to order one credit report from each of the bureaus within very twelve month period I have set up a schedule that works for us.

I order one free credit report from one credit bureau every four months. This ensures that I have a quarterly stream of free credit reports coming from at least one of the credit bureaus and that I can stay on top of changes on my credit report or a drop in my credit score that may indicate a problem.

By scheduling the ordering of my free credit reports I have the peace of mind that I am being proactive in terms of my finances – just as I am proactive and organized in every other regard.

Popularity: 32% [?]

Share This