“Think of this as laying the foundation. Everything from home loans to better rates starts here.”

When it comes to building a strong financial future, starting your credit journey is one of the smartest and most underrated moves you can make. It’s like stepping onto the treadmill of personal finance: the pace might feel slow at first, but what you’re building behind the scenes is long-term momentum.

Here's why it matters:

1. It Helps You Get What You Need (Without the Headache)

Want to rent a place, buy a car, or apply for a credit card? Lenders and landlords check your credit to decide if you’re good to go. With good credit, you’re more likely to be approved, and often faster. With no credit: You might need a co-signer, a bigger deposit, or get declined altogether.

2. It Saves You Serious Money

Your credit score affects the interest rates and fees you pay. A better score means:

● Lower rates on loans

● Smaller deposits for rent or utilities

● Better deals on things like insurance

That adds up, and keeps more money in your pocket.

3. It Puts You in Control

Credit gives you financial options when life happens (or when you want to make a move). Whether it’s:

● Booking flights

● Starting a side hustle

● Covering an emergency

Good credit gives you access to the tools you need, on your terms.

4. Others Check It Too

You’re not the only one who sees your credit. Landlords, utility companies, and even some employers look at it to decide if they trust you with payments or responsibilities. Strong credit = a good first impression.

5. It’s Easier to Build Than Repair

Building credit from scratch takes time, but it’s way easier than fixing a bad score later. Start now with small, smart steps. Your future self will thank you.

Getting on the Financial Treadmill

You don’t have to sprint - just start moving. Getting on track with your finances is about building healthy habits, step by step.

One of the simplest ways is paying your bills on time. Whether it’s your phone plan, energy bill, or internet, consistent on-time payments build a positive record and protect your credit score.

If you already have a credit card or personal loan, the key is to pay more than the minimum each month, and ideally pay the balance in full. This not only saves on interest but also shows lenders you can manage debt responsibly.

You may begin with a low-limit credit card or a personal loan from their bank, using it carefully and paying it down steadily. Others use products like “buy now, pay later” responsibly, but be careful, as missed payments here can hurt your score just as much as with a loan or card.

No matter what option you choose, the golden rule is the same: make repayments on time, every time. Over time, these small, steady steps help you build a solid financial track record, so you’re not sprinting, just walking confidently on your financial treadmill.

Millie’s Bottom Line

You don’t need to be rich to have good credit. You just need to be consistent. Build it early. Use it wisely. And when you need to borrow, you’ll have the power to choose what’s best for you.