Credit HisotryEach time you allow a company to review your credit, this is a ding and has an effect on your score. The question we often get is when should this be worth the hit. Here are some suggested cases when it’s ok.

  • To establish a payment history. When you’ve paid off all your debt, it’s time to have some record of a payment history. Without an ongoing payment history your score will fade.
  • To increase your available credit. An increase in your credit line will give you a better credit utilization ratio. The ideal ratio is 30%. If you are using more than 30% of your available credit, your score will suffer. One way to lower your utilization is to have higher credit lines. But beware, if you push your debt higher, you’ll defeat the purpose and just dig a deeper hole.
  • If you’re starting a business, credit cards are the easiest ways to access needed capital. This assumes that you have a solid plan for repayment and business plan.
  • If you need to diversify your credit profile, as in the case of only having a car loan, adding a credit card can benefit you.
  • To get a better credit card. Perhaps you started out and have a high interest rate such as 25% or more, once you’ve established credit, you qualify for a rate of 12%. Transfer the balance but don’t rack up more on the 25%. Don’t close it either. Closing cards can have a negative effect.

Smart credit card and credit management require attention to the details and numbers. PLUS, your discipline is essential. Reducing credit card debt is one of the best ways to save significant money above and beyond putting money in the bank.

Land of Egypt - Day 1 & 2

African Safari - Day 3 to 30

Land of Caribbean - Day 31 - 60

Land of Philippines - Day 60 & beyond!

Your Financial Strength Score (FSS)

Your credit score (which is what we always hear about) is all about the banks and reducing their risk whereas the FSS is all about you, your security, and your ability to withstand unplanned events!

After you've listed your income and lifestyle in a structured format, the FSS system creates a personalized plan for achieving long term financial goals by designing ways for you to modify your finances so that you can find additional money each month.

Rapid Results Roadmap

With your membership in the Financial Strength Builder™ (FSB) you’ll be able to take advantage of our easy to follow step-by-step process to get your finances under control and start saving some serious money to build financial strength! We offer 12 sessions in the Rapid Results Roadmap to guide you through the process of building your financial foundation and show you how to continue to grow from there.


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Module 1: Understanding Your Finances

About Us

Building your knowledge and skill with the four foundations

Financial stability depends on a structured process and the Financial Strength Builder™ automates and manages what you make, spend, and save.

The Four Foundations are:

  • Budget Management - Build a repeatable process for tracking and managing all your finances.

  • Savings System - Pay yourself first and automate the savings process.

  • Credit Building- Implement lifetime habits that will improve your credit, increase your buying power and reduce the interest you pay over your lifetime.

  • Debt Reduction- Learn ways to eliminate bad debt, understand when debt can be an asset.

Why FSB?

Financial Strength Builder™ (FSB) was designed in response to today's need for the American household to return to financial well-being, gain access to the best financial deals available, realize your dreams and provide for your future. FSB™ provides you with valuable resources:

The FSB program guides you along your path to financial freedom and provides the satisfaction that comes from knowing that you are in control of your money. It has everything you'll need to know, in a simple, fun-filled environment, including financial tools, every day bargains and deals, tools to monitor progress, online financial direction, and personal financial training to help you achieve fiscal strength – fast!

Introduction to the Frugality Game™

Overview of the Frugality Game™