How I Recovered from Bad Credit?

Bad credit was probably my worst nightmare in my entire life. I was hounded by creditors, I couldn’t borrow money during times of financial turmoil, I couldn’t sleep at night, and even my relationships were affected. It was really hard to function as a normal and happy human being. It literally took life away from me and I’ll never forget those times.

However, I know that what happened was my own fault. Before I started to build the habit of spending, I was living paycheck to paycheck, not caring about what the future might bring. A simple debt that I missed rolled on, and there I was, trapped in a quicksand of debt. After a few months of hiding, I realized it had to end.

The Enlightenment

What really empowered me was when I asked myself, “Is this the life that I want?” Running away was very tiring, I tell you. So I stopped, turned around, and faced everything that was trying to chase me behind. There was no one to help me but myself. No one to fix my troubles but myself.

This new-found willpower helped me take small steps. I tell you, it wasn’t easy. If you aren’t determined, you will never succeed. But hey, I didn’t want to live like this for life, so I better start moving. I admitted my mistakes and accepted them, and planned a way not to repeat them again.

Goal Setting

Before you can actually start moving, you have to set a goal. No one runs without knowing that there’s a finish line waiting at the end, or else you’ll be running around an endless loop. You have to know what you want, it gives you the boost and empowerment that you need.

The Sacrifice

Here’s where the tough part was. There was nothing good with the way I lived in the past, so if I am bound to take away my bad spending habits, I’m going to have to take away everything! But this is not what I wanted. Although I acknowledged my mistakes, I didn’t want to punish myself like that.

So I started with some, kind of easy sacrifices. Instead of dining out almost every other day, I limited my outside meals to once a week, until I could manage to do it only twice a week. During my weeknights with friends, I asked them to host a potluck or bring the party alternately to my place or theirs. This actually helped not just me but everyone of them.

Whenever I see a pretty item on the mall, I refrained from buying it, especially when I didn’t really need the item. Every cent counts, and I dedicated every spare money towards my debts. If I really, really wanted something, I had to take some overtimes, or cost-cut on other expenses.

At the beginning, it didn’t seem like it took me very far, but as I learned of new ways to improve, I definitely saw the progress. Instead of being relaxed, I even doubled my efforts to get to the goal sooner. I soon took a second job, and thought of other ways to lessen my monthly expenses, such as being wise on my grocery trips.

You see, you don’t have to stop eating out or forget about your social life. You only have to make smart choices and take control of your spending habits, and soon enough, credit repair will be just a piece of cake to you.

3 Things You Probably Didn’t Know About Your Credit

Your credit rating is composed of a number of factors that contribute to your credit score- that three digit number lenders or businesses take a look at whenever you’re applying for a loan or utility service. Most of the time, we only think that paying our bills on time will give us stellar credit scores, but that’s not the case. Today I’ll reveal some credit secrets that you probably don’t know.

First, getting a new credit can lower your score. Some people might have heard or have been raised to believe that if you’re trying to fix your credit, apply for a new one. However, what most of you don’t know is that each time you apply for a new credit card, for example, the average age of history will shorten, which is actually damaging to your credit.

Second, closing old accounts can hurt your credit as well. Working on the same principle as above, when you close accounts that have the longest age of credit, your credit age will shorten and lower your score. So I’m telling you, always, always leave old accounts open and active. If you really have to close some cards, close the new ones. Just in case you are suffering from bad credit and still want to get a phone for yourself, bad credit contract phones can be an easy option for you.

Lastly, credit limit is your friend. Many people think that having less credit limit can pull them away from temptation. Unfortunately, if you’re a bad borrower, you’re still a bad borrower, no matter what your credit limit is. Creditors check how you use credit which is available to you, and it kind of gives them a red flag when they see that you are maxing out your credits. Remember that it is better to keep a card with a large debt but with higher credit limit, than max out the limit of your low-limit card. But of course, don’t abuse the borrowing power of your high-limit card.

No Big Deal With the iPhone 5s

For all the folks who are wondering what the iPhone 5s has to offer, here’s some scoop of what I know.

First, I know that this is an upgrade from the iPhone 5, and a long-awaited one. Unfortunately, aside from being run by iOS 7, I haven’t really seen much of an upgrade. It packs exactly the same screen size, resolutions, camera pixels, and almost all other things. Oh, sorry to forget about the color. That’s the only other new thing I know of. Instead of carrying the traditional black and white hues, the iPhone 5s welcomes the addition of gold, which in all fairness is really gorgeous. If you’re going to buy the 5s and want to make it obvious that you did, choose the gold.

The camera is also the same 8 megapixels. While I know that no one can put down a phone’s cam based on megapixels alone, I still think that it’s been far too long that Apple has been stuck to the 8-megapixel rear camera. And by the way, not everyone is informed that great photos don’t depend on megapixels all the time, so an unsuspecting buyer might simply pick a Lumia over the iPhone based on megapixels (no offense).

If we’re talking about flagship, we need to see a bang! Unfortunately, the 5s doesn’t seem to be packed with incredibly useful, or at the very least entertaining features. The fingerprint scanner was one of the most-talked about features of the new iPhone, which for me is a bit gimmicky. While it might be convenient to unlock your phone by simply having it read your fingerprint, or complete iTunes purchases by using your fingerprint as well, it’s not anything that I can’t live without. I also have worries about safety issues, such as if there’s a possibility that someone can steal my fingerprint and use it somewhere. Call me paranoid, but I’m very protective of my confidential details.

I don’t want to be hard on anyone who’s looking to buy the Apple’s flagship, of course. I’m just saying that it MIGHT not be a worthy upgrade if you’re still on the 5 or 4s. There hasn’t really been much difference with regards to specs and dimensions, so if I were you, I’ll just wait for the iPhone 6. But if you are on an older iPhone or another platform, then I’ve nothing to say against buying the iPhone 5s.

My First Impression of the HTC One Max

I told you before how I fell in love with the HTC One’s build and design, and now, seeing a giant version with the HTC One Max, I became curious, so I made a lot of readings.

I’ve nothing to take away from HTC, because the Max obviously has that same sophisticated and solid look. However, I felt like it was kind of futile attempt to get in with the phablet crowd. While a good device the Max is, I think it was created more of pressure, so as to steal a chunk from Note loyalists.

Physically speaking, both devices are great, but the Max definitely looks better. No one could resist the impression that metal makes, and this phone is really a stunner.

But when it comes to specs, it’s obviously still way behind the direct competitor which is the Note 3. Compared to the Note 3’s Snapdragon 800 clocked at 2.3GHz, the Max is ran by Snapdragon 600 at 1.7GHz. Don’t get me wrong, it’s definitely not slow. But let’s face it, buyers look at specs before purchasing, and most will underestimate the device’s performance upon seeing a lesser figure.

The camera is the same 4-ultrapixels used in the HTC One. Without a doubt, it takes similarly great photos, especially in low light situations. Like the HTC One, in my opinion it is one of the great smartphone shooters today.

So there you go, specs wise, if I’m not already in love with my S4 and I have to choose between the One Max and the Note 3, I’d go for the latter. Samsung has gone a long way proving the worth of the Note series, and I think it might take a while for HTC to reach the same level of expertise in creating a phablet.

Tips to Get the Most Savings Out of Your Mobile Phone Contract

I love it whenever I am able to save money on my every purchase. I used to be very proud of myself whenever I was able to pick up a designer clothing for less than half the price, or whenever I was able to lower my monthly electric bill. I don’t know about you, but I just feel so smart whenever I obtain savings on my purchases and be able to use it on other things. (Obviously these all happened after I recovered from bad credit).

Right now I want to talk about how you can save money on your mobile phone contract using these simple tips. I’m not an expert, but during those times of reading and researching, I’ve learned from other people’s tips that I’m also willing to share to you. 

Give Your Credit a Boost

Remember one of my posts when I said that sometimes it is better to wait? It still applies here. While there are bad credit mobile contracts offered all around the web, I’d like to enlighten you that sometimes they might cost a lot, so be wise on your choices. If you have the time, pause and focus on fixing your credit by paying your bills on time, paying off other dues, and using only a small portion of your credit limit.

Go Sim Only

If you have the money to buy the phone you want or your existing phone is still pretty fresh, then you might want to consider a sim only deal. With sim only contract, you can get more credits for less than half the price. I personally think that this kind of deal is definitely worth looking at. Aside from the savings, the contracts are very flexible, and you can sign up for terms as short as 30 days.

Go Unlimited if Necessary

This option is applicable if you’re a heavy user. Sometimes you might think you’re saving money when you sign up under a contract with minimal credits, but you’ll be surprised at the end of the month that you actually paid more. If you’re likely to go overboard, just choose an all unlimited deal.

Include Your Family

I don’t know about you, but I like to be able to reach to my family every now and then, whether it’s for emergency, whenever I want to ask something, or even when I’m just being a bit…clingy. Anyway, including your family members to the plan gives you cheaper rates, sometimes you may even get free calls for calling members on the same network.

Use Mobile Apps

The mobile world today is dominated by apps. There are a number of free good apps that let you call, message, or even video chat with your loved ones here and abroad using just your internet connection. Using your mobile internet or a hotspot, it will be cheaper to just call them using these apps than using your own mobile’s services.

Right now these are the best and working tips that I have for you. In case I come across a few more in the future, I’ll make sure to post them, so stay tuned!

How I’m Seeing My Galaxy S4?

When I welcomed myself into the world of smartphones, I decided to purchase the Samsung Galaxy S4. I had a low-end feature phone before that lasted less than a year in my hands, so I was in a hurry to get a new mobile. It was my first time having a high-end gadget, because I really wasn’t into the expensive stuff before due to practicality issues. But I realized, there are actually a lot I could get in return for my money, so there I decided to take a plunge into the smartphone world.

It wasn’t an easy decision at first. I was kind of stingy when it comes to material things, but I realized it was better to splurge on one great gadget that I could be happy with for at least two years than switch phones from time to time because I wasn’t happy or they simply died.

Anyway, it came down to the Samsung Galaxy S4 and the HTC One. (If the Note 3 was already out by then, I would have probably settled for it, but it was a good three months before the launch.) I have pretty big hands and I wouldn’t mind having a massive phone, and besides, the idea of having a very huge screen thrilled me. On the other hand, I really fell in love with the HTC One’s design. After reading lots of reviews, I still couldn’t pick between the two, so I decided to head out and see for myself, and I landed on the S4.

Since having a phone this huge is new to me, I was very impressed with the screen. Not only was it large, but everything was spectacular, from colors to details. It might be hard to believe coming from someone who’s new to smartphones, but I’ve played around with my friends’ phones and I can see the slight advantage.

Of course, I was first very excited to test what the hype was all about. I explored the Smart Pause/Smart Stay features, as well as the Air Gestures. I also looked into the S Voice. While these features are pretty cool, I got bored a little. First, when I played a video, it was a bit slow to pause or play when I looked away or looked back. As for the S Voice, sometimes it was also slow to respond, and it sucked away my battery real fast.

Anyway, those are features I could live without, and I certainly didn’t buy the phone for them. The most important thing for me was camera and performance. As for the camera, I was all hands up. Although using the flash tends to oversaturate colors, it produced great results most of the time when lighting is adequate. As for performance, everything was swift.

Probably I can only complain about the heat and the fast battery drain, but I guess that’s not surprising with most phones nowadays. With some tweaks, I was able to get more life out of it. Another flaw is that you can only use about 8GB out of the 16GB internal memory, but the external storage pretty much makes up for that.

So, all I can say is that I am happy with my S4. In just a short while, I’m sure many better phones would still come out, but if you’ll ask me if it’s a worthy purchase, it definitely is.

Why It’s Best to Wait Before Applying for a Mobile Contract with Bad Credit?

Patience is a virtue as they say, and so the same goes when applying for bad credit mobile phones. With all the options available in the mobile market for people like me, there was a time when I was so eager to apply for bad credit mobile phones, and I am thankful now that I didn’t, at least temporarily.

During that time, my credit had almost hit rock bottom. (I’d rather not share what my score was.) When I inquired, I only qualified for a basic handset that was too much expensive and too impractical to purchase under a contract.

It’s not to take away anything from a mobile contract or anything, in fact, getting into a phone contract can help rebuild your credit. But you also have to consider your expenses over the long term and make wise decisions.

Never jump into any deal that you feel isn’t fair for you, despite your credit situation. It could take time to fix your credit, but the results can be very rewarding.

You’ll never know, but if you are patient enough to wait at least a year to pay off other dues and your bills on time regularly, you might be able to land a fair deal after a while.

Phones Blog

Hi! This is Craig, and I’m here to blog about some of the latest happenings in the mobile world. In my blog, I intend to share my personal reviews about some of the newest gadgets. I also aim to give you the smartest tips on how to improve your credit, and some money-saving tips when seeking out a mobile phone contract, so make sure to watch out and subscribe to my posts.

I, myself, have experienced being in bad credit situation before. I got denied in most of my applications for loans or utility services, mobile contracts being one of them. Here I’ll share my secrets on how to manage and repair bad credit, save money on your mobile contracts, and qualify for a mobile phone contract.