My Future Credit Goals by Ellars, Julia

1 Year from now (20 years old)

238753_1 — 2024-02-09 14:05:31 UTC

· I will be going to college at CNU, living in a dorm.

· I will most likely not have an income at that time because I will be mainly focused on my education.

· I will have a credit card that is connected to my parents to start building credit.

What Credit Action I May Take

and How I can Manage It:

· I can be conscious of my credit card purchases, and make sure that I am not overusing my card.

· I can use my debit card or cash for most purchases.

238753_1 — 2024-02-09 14:09:49 UTC

· I will have just graduated from CNU with a degree in Criminology.

· I will have to live at home for a time so I can become established with my job.

· I will start working for the NCIS (Not sure what job).

What Credit Action I May Take and How I can Manage It:

· I can start to open a line of credit with my salary from my new job.

· I can start paying off my student loan debt monthly.

· I can make sure to pay my bills every month.

238753_1 — 2024-02-09 14:15:15 UTC

· I will still have student loan debt.

· I will be living on my own in an apartment.

· I will be making a salary at a full-time job.

What Credit Action I May Take

and How I can Manage It:

· I can pay my loans on time each month.

·I can make sure to look at my credit report each month to make sure that there aren’t any unusual purchases.

238753_1 — 2024-02-09 14:18:22 UTC

· I most likely be living in Virginia so I can be close to my family.

· I will be married and have at most 2 kids.

· I will still be working for the NCIS or another government department.

What Credit Action I May Take

and How I can Manage It:

· I will most likely have a joint account with my significant other therefore

· I will need to monitor our purchases closely.

· I will look at my credit report every month.

Make sure to pay off my bills and loans each month.