New to the Live Richer Challenge: Credit Edition? Learn more about it HERE.

Need to catch up? Click on yesterday's task and then come back.

Join me LIVE tomorrow, Tuesday, February 6th for our Week 3's Credit Challenge Chat and Challenge Completion Celebration HERE at 8pm EST/7pm CST.

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Day 22: Credit Increase Aspirations

Today’s Easy Financial Task: Write down the steps you’ve taken so far to increase your credit score and chart your progress.

How to rock this task:

  1. Circle back to your Day 1 credit score goals
  2. Write down each action you took (or plan to take) to increase your score on your Credit Goal Sheet from Day 1.
  3. Chart your progress on the Credit Goal Sheet
  4. Visualize what you’ll obtain when you reach your credit score goal

**Insert Happy-Dance**

You’ve made it to the end of the LRC: Credit Challenge!

Give yourself a slow-hand clap!

At the beginning of this Challenge, you wrote down your credit goals.

Since then, as promised, we’ve covered a bunch of actions you can take to make this goal happen.

Remember, a goal without a plan of action is a wish.

If you haven’t already, head back to your goal sheet from Day 1 and write down each action step that you’ve taken or plan to take consistently to turn your goal into reality.

As you work towards your goals, use the Credit Goal handout from Day 1 to track your progress. This is an important step. Your credit score can fluctuate from month-to-month as you pay off debt and make other moves. You need to make sure your credit score is always trending upwards.

The very last task for our Challenge is imagining what you want to do with your newly increased credit score.


Your credit score is an important number. But like money, it’s just a tool to get the things you want in life.

Think about what you want to achieve with a higher credit score so that you can associate an image with the score:

  • Do you want to buy a new house?

  • Do you want to buy a rental property?

  • Do you want to refinance your auto loan to get a better interest rate?

  • Do you want to get approved for your first apartment without a cosigner?

Think of why you want to increase your score and then do these three things:

  • Comment what you will obtain with your higher credit score below or post it in the comments of the LRC: Credit Challenge thread in the Dream Catchers Forum

  • Write down what you aspire to obtain with your higher credit score on the Credit Goal handout to keep for yourself

  • Find a photo that represents what you want to obtain and post it on your fridge

Get to it!

Once you’re finished with these tasks, you’ve officially completed the LRC: Credit Challenge!!

Let me hear your wins. If you’ve tackled any of the tasks in this Challenge and have already seen a credit score increase, I want to know!

You can reach out to me using social media below.

Want more?

Let me guess, the Challenge is over but you still want more? Yay! Did you know that we have a special school just for Dream Catchers? Yup! It's called the Live Richer Academy. The mission of our Academy is to teach you how to take your finances and life to the next level.

Learn more about the Academy here: https://www.joinLRA.com

Certificate of Completion

1) Click the picture below to download, then print your certificate.

2) Share it on social media

3) Tag me @TheBudgetnista.

4) Use the hashtag #LRCgrad

Thank you for participating. You’re a rockstar and truly a Dream Catcher!

Today, I completed the LRC: Credit Challenge! I'm a Dream Catcher Rockstar! Day 22: #Liverichercredit

Live richer,

Tiffany “The Budgetnista” Aliche

Although the Live Richer Challenge: Credit Edition has come to an end, your journey is just beginning and I’d love to be a part of it.

"Take a Selfie, tag me and share, "I just completed the Live Richer Challenge: Credit Edition!"

You can also reach out to me here:

My Lisa Rule: I have 4 sisters and Lisa is the baby (well she’s not a baby anymore). Of all of my sisters, I’m the most protective over her. Before I share any product or service with you, it must pass my Lisa Rule.

What’s the Lisa Rule? If I would not advise Lisa to use a product or service, I won’t advise you to either. YOU are my Lisa's. I feel protective over you and your financial journey.

The products and services I recommend pass my Lisa Rule. Yes, I may be an affiliate or partner and earn a commission off of referrals or income, but I would not recommend a product or service that I didn’t believe was helpful and useful.

Share the wealth!

  • I really did it this time. I stayed committed and consistent with the Credit challenge. I’m proud of myself 🎉🌹🥰. Thankful for Tiffany and Tamicka. Credit on the ↗️

  • Thank you soooo much for investing your time in ME and other who may have had some understanding of credit. But need these courses have “ fine turn the edges”.
    I personal can say the “tea” of knowledge you have given over these last 22 days has been PRICELESS.

    My sincere thanks!!
    Robin Armstrong

  • I have learned how to increase my credit, set a credit goal and become better aware of what increases and decreases my credit score. Because of the challenge I paid off a$1000.00 card and working on the next one. Thank you Tiffany

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