Since I got here in the US, Travis and I were in a not so pleasant financial situation. Not only that we have expenses with my Immigration Application but he also took the risk of leaving his job to venture to a different place (warm for my sake) down south. Unfortunately, it also took him about five months to get a new one. He was in between jobs while were there since the jobs that he got are all contractual. Those were definitely one of our tough times.

When we moved back to Minnesota, we had nothing but guts, hope and bills.  Things were difficult but both of us were determined to get out of that predicament.  We were behind with our bill payments and it has definitely affected our credit score.  We don’t have a bad credit score but we were getting there.

When Travis got a job, things started to improve dramatically. We decided that we need to have a different strategy to our finances. Taking the Bills IQ confirmed that we are on the right track of managing our finances.  You are to answer series of shorts questions that explores your strategy and your financial status.  When you have completed it, not only that you are given your Bills IQ Score but you are also given personal advises and tips basing on your answers of each questions.   Keeping our expenses low and making sure we pay our bills on time is one step.   And keeping track of our credit score is another of which we get significant improvement for the past 2 months.  It has definitely given us the confidence to face our future.

With the help of that online test, we have set up a game plan for our goal.  And financial freedom may soon be within our reach….