Below is the 5 step framework I use to help me achieve my goals each year. 

The most important number when it comes to your personal finances is your credit score. 

It is next to impossible to build wealth with a poor score because you will be paying MORE for everything around you. 

Just like school, everyone has a credit score, here is the breakdown: 

800 to 900 = A+ 

720 to 799= A

650 to 719= B

600 to 649= C

300 to 599= Needs Improvement

If you do NOT know your credit score, GO FIND it out! There are several free options online, we at Enriched Academy have partnered up with Transunion, so be sure to check them out. 

Here is a breakdown of the most important aspects of your credit score: 

Payment History: 35%

Amount Owed: 30% (remember to spend less than 35% of your credit limit)

Length Of Credit History: 10%

New Credit Applications 10%

Type Of Credit Used: 10%

If this was helpful you could return the favour by taking 3 seconds out of your day to leave me a review :) It means the world to me.