We evolve by gaining insight.

The decisions we make in our financial journeys can yield significant consequences, either positive or negative. Enhancing our financial literacy holds the potential to bring about positive transformations for individuals, families, organizations, and entire communities.

Upon contemplating my own journey towards financial well-being, I've pinpointed some specific steps that guided me on the correct path to achieving financial wellness. They are understanding credit, emergency funds, debt management, and personal care. Though this page, I hope to share the knowledge and strategies that have been instrumental in my financial wellness journey, so you too can embark on a personal path to financial wellness, stability and growth. Explore the tools and insights provided here, to assist with the support and reinforcement needed in making informed financial decisions - today.

Six Habits to Improve Your Credit Score

Maintaining a good credit score is essential for financial health, impacting everything from loan approvals to interest rates. Building and sustaining a high credit score requires consistent and mindful financial habits.

Here are six key practices, over some time can help boost your credit score and keep it in excellent shape. Start or continue on the path to achieving and maintaining a strong credit profile.

Habit Description
1. Pay Bills on Time Only 6% of people with a credit score above 800 have missed or have a late payment on their credit report, according to Experian.
2. Reduce Credit Card Balances Keep credit utilization lower than 30%. Members of the 800 score club say they keep it below 10%.
3. Keep Old Accounts Open Keeping old accounts open helps increase your available credit, which increases your utilization ratio and adds to the average credit age.
4. Selectively Apply for New Credit Too many credit inquiries or multiple credit inquiries within a short time frame can damage your credit score.
5. Ask for Credit Limit Increases Instead of opening new accounts, ask your existing accounts for credit increases. It helps lower your utilization without lowering your credit age.
6. Diversify Your Credit Mix Having a variety of credit types (credit cards, installment loans, mortgages) can be beneficial, showing you can manage different types of credit responsibly.


iGrad created a video, over 10 years ago asking college students financial wellness questions vs pop cultural questions. 

The video is transformative and dives deep into the heart of financial wellness, with an entertaining twist. Crafted by iGrad, an expert in financial planning and wealth management, this video is an insightful way to bring attention to the lack of financial literacy among young adults/college students.
Whether you're just starting out on your financial journey or looking to refine your strategies for wealth building, the time to start is always now, if not yesterday. Financial wellness is a key component of overall well-being, and enjoy providing you with the tools and resources you need to achieve it.
Growing Greatness LLC is dedicated to helping you understand from budgeting basics and debt management to future planning, we cover a wide range of topics with clarity and expertise.  Financial wellness is a journey, not a destination. We're here to support you every step of the way.  Enjoy the video!!!!!!

Understanding Credit Score Recovery Time:

Credit Issue Average Recovery Time
Missed or defaulted payment 18 months
High credit utilization 3 months
Hard credit inquiry 3 months
Late mortgage payment (30 – 90 days) 9 months

Understanding Credit Score Models

Credit Score Model Overview Score Range Key Factors
FICO Score The most widely used credit score model. 300 - 850 Payment History: 35%
Amounts Owed: 30%
Length of Credit History: 15%
New Credit: 10%
Credit Mix: 10%
VantageScore Created by credit bureaus: Equifax, Experian, and TransUnion. 300 - 850 Payment History: Extremely Influential
Credit Age and Type: Highly Influential
Percentage of Credit Limit Used: Highly Influential
Total Balances and Debt: Moderately Influential
Recent Credit Behavior: Less Influential
Available Credit: Less Influential
Equifax Credit Score Proprietary scoring model used primarily by Equifax. 280 - 850 Similar to FICO but with proprietary adjustments.
Experian Plus Score Proprietary scoring model used by Experian. 330 - 830 Payment history, debt levels, credit age, account types, and recent credit activity.
TransUnion New Account Score Tailored for new credit applicants, used by TransUnion. Varies Emphasizes recent credit activity and new accounts.

Financial Literacy Terms of Focus

Some good financial literacy terms to become familiar with:

Annual Percentage Rate (APR)

APR, or Annual Percentage Rate, represents the yearly cost of borrowing money, expressed as a percentage. Understanding APR helps you compare loan offers to find the most favorable interest rate.


Assets are items that can be converted into money, such as savings, 401(k) accounts, real estate, securities, and even art. They are often discussed alongside liabilities.


A budget is your financial blueprint. It outlines how you allocate your income to cover expenses and save towards your financial goals.


Credit is borrowed money that you must repay, often used with credit cards or loans. In banking, credit also refers to deposits or interest earned.

Credit Score

Your credit score is a numerical representation of your creditworthiness. Higher scores improve your chances of getting approved for loans and better interest rates.


Debt is the money you owe to lenders or individuals. Managing debt effectively is crucial for financial health.


A debit is a transaction where money leaves your account, such as withdrawals, bill payments, and transfers.

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Interest is the fee charged by financial institutions for lending you money. Conversely, it's the money you earn from deposits in your savings account.


Liabilities are debts or obligations, like a mortgage or car loan, that you need to repay.

Net Worth

Your net worth is calculated by subtracting your liabilities from your assets. It gives a snapshot of your financial health.


In loans, the principal is the original amount of money borrowed. In investments, it's the initial amount of money you invest.


Repayment is the period during which you pay back borrowed money. For instance, a 30-year mortgage is structured to be paid off in 30 years.


Return is the profit or loss from an investment or savings. It's the gain or loss you experience from putting your money to work.

This introduction sets the stage to understand the importance of the terms in achieving financial literacy. We are here to help guide you towards financial wellness, understanding and growth. #GrowingGreatnessLLC


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