Greg’s Life

It’s only the blog’s name. This isn’t my real life!

Life's Progressive Tale

So funny story!

I'm in this place trying to pay for my good & services and the total comes to $7.87 after tax.

I start to hand the lady $23 & she tells me again that is comes to $7.87. I told her yeah I know. She says that's to much & doesn't want to take it like I'm trying to rip her off or something.

I hand her the $23 again and tell her to trust me.

She types $23 into her computer register & take my money. When my change came up as $15.13 she kind of goes "oh". She hands me a five & a ten spot. The computer spit out the coins for her. She didn't even have to count the change back. The coins went into the tip jar!

Still not being sure she knows why I gave her the $23 I ask, "Now do you get it?" No answer.

I put my bills in my wallet & walk. I wonder if a screen needs medical & wonder how long until these jobs go away. We have a whole generation of youths who want more money yet lack the skills and more importantly learn a skill or trade & the pride that goes with it.

What's progressive about robbing people of the pride of what they do & putting them into a place of master & servant to the gov't and the man?!? 


The Truth Behind a Credit Score

Spoiler alert: Numbers can lie.


The credit score. It's also known as the FICO score. It's that number that's associated with every credit report. We all know about it. Most people have one. But what does the credit score really mean? 

Let's take a deeper look. How is your FICO score determined?

  • 35% of your score is based on your debt history

  • 30% is based on your debt level

  • 15% is based on the length of time you've been in debt

  • 10% is based on new debt

  • 10% is based on the type of debt


Brace yourself for this: A high FICO score isn't a sign of winning financially. It's an I-love-debt score. Think about it. It doesn't factor in your income, your savings or your net worth. All it tells you is whether you are good at borrowing money and paying it back. 

On Baby Step 2, you're trying to get out of debt, not get in deeper. So stop worrying about your FICO score. Focus on paying off that debt and setting yourself up to reach your financial goals. 

Don't forget to track your progress in the Debt Snowball Tool as you go!

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