The Sophisticated Gal

Even after I graduated college though, I didn’t fully realize the importance of establishing credit until I tried to refinance my student loans and immediately got denied because my credit score wasn’t good enough. It was very frustrating and I felt like I was never going to be able to have a good credit score. Like I mentioned, I don’t think I was responsible enough in college to have a credit card You can check your credit score any time you’d like and it won’t negatively effect your score.

So when you move into your first house, focus on what the necessities are that you’ll need to buy right away and for other things be patient and maybe buy them later. We learned a lot from doing this with our house, like what things we really need to fix right away and what things we want to eventually update. The truth is, there is always going to be a long list of things to work on but by living in it for a little bit you can get an idea of what parts of the house you really like and what you’d want to change. This house was built in the 70’s and has a lot of 70’s elements throughout the entire house, so many rooms had wallpaper that we have since taken down.

To try out time-blocking, think about the projects that you need to work on and block off time on your calendar to solely focus on that project. Time-blocking helped me shift gears to be more focused and not let myself scroll through Instagram instead of working on the task I need to work on. If you feel most productive in the morning, then block off time to work on your biggest project or most important task in the AM. At the start of my work week, I like to set goals for my week including the biggest projects that I want to get done by the end of the week and from there, I’ll schedule time for those projects in my calendar.

Needless to say, traveling has become something I’m used to and I have discovered what essentials I need with me every time I travel. However, I do make sure that I bring a reusable water bottle with me every time I travel so that I can fill up whenever I have the opportunity! Bringing along a reusable water bottle will also help save money so you don’t have to constantly purchase water bottles, which can be very pricey when you’re traveling. You might even want to make note of the places you went to eat while traveling or to take notes in a meeting if you’re traveling for business.