Money and Finance #59: Credit, Money Management, and Saving

Money and Finance #59: Credit, Money Management, and Saving

I had a basic understanding of FICO scores but didn't know it was also
impacted by the number of inquiries made.
I currently have a spending/budget plan in place. I found the process
to be fairly easy to accomplish- I maintain a monthly log of expenses and then
incorporate the weekly and yearly(usually quarterly) expenses. This system allows
me to track current payments and anticipate up-coming expenses. It gives me a quick
glance at what I can afford and progress of savings, too. I like the security of
knowing where everything is going.
I found the entire TCDRS site was user-friendly, especially the retirement
package they offer with important details for planning emphasized upfront.
Everything seems to be clearly spelled out to make sure all of the steps are
completed with minimal surprises.