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


Week 2: Credit Improvement

Day 14: Weekly Inspiration

Today’s Easy Financial Task: Watch the Week 2 Dream Catcher Hangout Chat.

How to rock this task:

  •     Watch the chat and participate if viewing live
  •     Listen to words of encouragement
  •     Complete Challenge tasks you missed


Today’s our second Dream Catcher Hangout Chat!

During the video, we’ll discuss the tasks we’ve worked on this week. We’ll also talk about the key takeaways and you’ll hear how other Dream Catchers like yourself are working through the Challenge.

Make sure to check in on your accountability partner. Have they completed the first week of the Challenge? Are they ready for next week? Do you have any questions/comments/concerns? Please share in the comments.

FYI: Today is a good day to catch up on any tasks that you missed throughout the week. Tomorrow we have a fresh new week full of tasks to help you improve your credit score!

Today I’m watching the Dream Catcher Google Hangout Chat! Day 14: #Liverichercredit Click To Tweet


Watch the Dream Catcher Hangout here:



Remember, you can always find me here:

Twitter: @thebudgetnista

Instagram: @thebudgetnista

Facebook: The Budgetnista

Private Forum: Dream Catchers : LIVE RICHER


*** Need Help? Feeling Overwhelmed? Want to work with someone one-on-one to improve your credit? Netiva “The Frugal CrediTnista” is offering her renowned, full credit improvement services & consultations at a special discounted price just for Dream Catchers! Learn more and get the help you need. Start with Netiva’s FREE consultationHERE. ***


Want to work through the Live Richer Challenge: Credit Edition in a workbook? It’s part of a bestselling series and has already hit #1 on Amazon! Get your copy below.



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 Lisas. 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 and earn a commission off of referrals, but I would not recommend a product or service that I didn’t believe was helpful and useful.

The Challenge is sponsored by

  • Yashica Harris Smalls

    Hi Tiffany!! My hubby and I are both doing the credit challenge. He like your significant other only has 1 credit card, but utilization is high… CS is 671… we want to increase tht by paying it down, but he was also thinking he needed more grades( another CC) . Should he get another and if so what may be the best card to get. He thought the Harley Davidson one because it does have rewards for HD? Just thought I’d ask ur expertise

    • LadyLittlefoot

      Yashica, I think he could do what Tiffany suggested and get a secured credit card, put one small item on it and pay it off every month. However, if he’s had that one of a while opening another card could lower his credit history age. So he should consider that as well.

  • ProWriter

    Hey Tiffany, this credit challenge compliments the hard work of fighting back to a better score that I started 4 years ago. I’ve increased my overall score by 100 points, 24 of which increased since I started the challenge. Thank you and keep up the great work!

  • Shonkeya Wadlington

    Hi Tiffany and Dream Catchers! I have a credit card judgement that my credit report says should come off August 2018 and roughly $4000. I live in NC if that makes a difference. Should I bother with trying to settle to get it off my credit to purchase a home or should I wait until it falls off?

  • Bonita

    where can i find the hangout chat?

  • Kimberly Pugh

    I was extremely overwhelmed and confused by my negative credit and I thought I just had to own it but now I’m learning different strategies to get back on track thanks to you, Tiffany! I am still trying to figure out some creative ways to pay off my debt quickly without applying for a credit card, and unfortunately I do not qualify for any loans at the moment. Any suggestions?

  • Gail edwards

    My credit score has improved. I still have a long way to go. I have learned some things along the way.

  • Devona Edwards

    Credit score increasing continuing to apply what I am learning