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Year of 2023 (18 years old)
I will be a full-time student at DMACC in Ankeny
I will still be working part-time at Cinemark Movies 12
I will have to pay student loans (possibly)
I will be traveling back and forth from college, home, and work -
Year of 2023 Credit (18 years old)
I will have to purchase a security credit card
I will use a credit card mainly on gas so I can pay it off quickly and have less debt.
If I have student loans, I will need to make early payments so interest won’t increase. -
Year of 2027 (22 years old)
I will be working part-time
I might have an internship
I will possibly be married
I will live in an apartment -
Year of 2027 Credit (22 years old)
I will make early payments on apartment rent
I will make early payments on student loans
I will only put small charges on my credit card so my utilization rate is below 30% of my available credit
Examples of small charges: my grocery bill or netflix subscription so my monthly bill is at minimum while establishing credit history
I will set bills on autopay -
Year of 2032 (27 years old)
I will definitely be married
I will definitely have a full-time job
I might have a child
I might have a house by now -
Year of 2032 Credit (27 years old)
I will review my spouse’s credit report
I will add my spouse as an authorized user to my card
I will set my bills on autopay
I will pay down my balances
I will apply for a mortgage but it may lower my credit score a little before it rises -
Year of 2043 (37 years old)
I will have several children
I will probably be promoted several times in my career
I will definitely have a house -
Year of 2043 Credit (37 years old)
I will add my children as authorized users of my credit card
I will pay off my mortgage way before payment is needed
I will set my bills on autopay
I will pay down my balances
I will finish paying off my student loan debt