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

Need to catch up? Head here and then come back!

Day 1: Credit Goals

Day 2: Credit Basics

Day 3: Grab Free Credit Reports

Day 4: Grab Free Credit Scores

Day 5: Credit Score Calculation


Week 1: Credit Knowledge

Day 6: Review, Reflect, Relax

Today’s Easy Financial Task: Review, Reflect, Relax

How to rock this task:

  •     Review this week’s Live Richer Challenge: Credit Edition tasks
  •     Reflect on the credit basics and the components that make up your credit score
  •     Relax. In two days we start Week 2: Credit Improvement

Round of applause!

You’ve completed the first week of the Live Richer Challenge: Credit Edition. Woo hoo!

Take this day to review, reflect, and relax.

Tomorrow, you and I will chat via a Google Hangout. I’ll check-in with you, teach a live lesson and take your questions. If you’re watching live, set your calendar for 9pm EST. If you’re doing the Challenge live in January 2017, you’ll receive an email with a link to participate.

If you’re not watching live, there will be a recording of our chat available tomorrow as well. I’ll send you more details about how to participate in our weekly Challenge Hangout in tomorrow’s task email.

Yes! I just completed Week 1, Credit Knowledge of #Liverichercredit Click To Tweet

Share what you’ve learned so far and how you feel about the process with me in the comments below vs. emailing me.

Today is also a great day to check in on your accountability partner. Do they need help with a task? Do they need some encouragement? Do you both need to catch up on past tasks? Each task day is at the top of this post.


You can make excuses or make moves. Not both. - #Liverichercredit Click To Tweet



P.S. Don’t forget to get your free Live Richer Challenge: Credit Edition Starter Kit. Get it HERE
P.P.S. Here’s a copy of the Challenge Calendar. It’s a fun way to keep track of your progress.


I’d love to hear from you. How have you enjoyed Week 1 of the Challenge? Share with me in the comments.

You can also reach out to me here:

Twitter: @thebudgetnista

Instagram: @thebudgetnista

Facebook: The Budgetnista

Private Forum: Dream Catchers : LIVE RICHER

Live richer,

Tiffany “The Budgetnista” Aliche


*** 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, HERE. ***


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

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  • Chandra Cunningham

    I’m ready to get this ball rolling don’t want to ask any questions because I’m sure you will cover it real soon. Thank you for this.. Good morning everyone!!

  • LaShaundrea

    I’m happy you offered the Live Richer Challenge. I’ve always wanted to improve my credit. I have to admit that I was a little hesitant to check my credit score. Once I did, I discovered it wasn’t as bad as I thought. I’m ready for next week’s assignments. Thank you so much for providing this opportunity!

  • Jahara D. Haymon

    Greetings Everyone! This week has been an eye opener. I am learning things, I honestly never knew. The basics about credit is very important and now that I’ve built a foundation on the knowledge of it. I plan on not making the same mistakes. I’m excited for the next few weeks.

  • Jessica Lucas

    It is great to know that I have access to valuable tools to help improve financially. The basics of learning credit is extremely vital to gaining the wealth we are so entitled to. I have learned so much this first week and am glad to use the methods suggested. I am definitely looking forward to the coming weeks.

  • Fay Henry Reddick

    This week I learned much more about my credit report and scores. I remembered my mortgage company provides FICO Scores and theirs was even higher than received on the Score Card. I am looking forward to learning more and more about my credit and financial wealth for the upcoming weeks. I truly wished I’d known about you and the group a few years ago.

  • Dana Johnson

    I am so excited about this challenge! I can’t wait to dive into each days task. This is going to be my year to finally get my financial life in order. Thank you for sharing your story and sharing your knowledge! Can’t wait for Week two! Woo hoo!

  • Crabbytab

    Thank you so much Tiffany!!!!! I am so excited about this challenge!!!!!!! We are going to be on fire next week!!!!!!!!! Thank you again for sharing your knowledge and building this community of like-minded people!!!!!! God will truly continue to bless you for being such a blessing to others!!!!! God is working in our lives y’all!!!!!

  • Cherise Montague

    Thanks for sharing such great tools and information!! Im, reviewing, reflecting and relaxing. Next week I will work on decreasing my card utilization percent. I have a few cards over 30%.

  • Cierra Boddie

    This week has been an awesome week about learning about credit scores and reports. I really appreciate you sharing with us the importance of having and maintaining good credit. MagnifyMoney have some good free resources. I found myself reading a lot of there resources and I have saved them to my laptop. I can’t until week. Whooo.. whoop… starting this year off right with working on my credit.

  • Tae

    This has been a very informative week. I am grateful to you sharing this information with me. Gaining an understanding of my credit score and credit reports are key elements of becoming financially responsible. I am going to review, reflect, and relax and wait for next week to dive into it.

  • Layla

    This week has been really helpful for me! I’ve reinforced things I’ve already known about my credit and actually took the time to go through my credit report and highlight all the “goods” and “bads”.
    I also discovered that I had a loan through my school that wasn’t linked to Navient. Needless, to say I was on the phone within minutes demanding to know why I was never notified about my required payments for that loan. When they say Payment History is 35% of your credit score they’re not joking, my score dropped 45 points all because of my alma mater’s inability to contact me for payment. But thanks to this challenge I’m aware of it and am getting the issue resolved.
    Thanks so much Tiffany. I’m really seeing so many improvements in my financial mindset. Can’t wait to finish the rest of the challenge!

  • Santrice BrainzNbeauty Redding

    This week has already changed my life in more ways then I could have imagined! My entire perspective on credit is now IN perspective with what’s right. I look forward to many more days on this journey. 🙂

  • joan mickles

    This week I reviewed information that I had already become familiar with. Re-engaging myself into getting my finances right for 2017. My scores started off low, then increased, and now have fallen again. I look forward to getting back on track and staying there.

  • Michelle McDowell

    I’ve learned what my FICO score is, I have been doing research on what can help to lower my collection accounts and to raise my credit score. I have some things being disputed and even considering consolidating all my student loans.

  • JB Sicard

    I have learn (again) that paying your bills on time and only use 30% of your credit is the best method to have when it comes to credit. I also know that my student loans are my biggest debt in which I have not paid on for a very long time (I just want them to go away). I also learn I may need to gain extra income. With me having a BA I still do not make the money that I should be making with a BA (very disappointing). Let the work beginning.

  • Toyia

    I have learned about credit and how it is calculated. Learning about my credit score and reviewing my credit reports has been good to know where i stand and what i need to do to improve it.

  • Michaela Cornwall

    I’ve learned that though I pay my bills on time the fact that I have utilized more than 70% of my available credit has actually brought my credit rating down. My goal is to eventually get my credit down to at least 30% and in the long term pay off my credit cards altogether. Thanks for a great first week!

  • Leilani Mayfield

    I was aware of some information regarding credit but learned so much more detailed information. The LRC has permitted me to focus and develop a plan of action to improve my credit. I look forward to the new information offered each day of the challenge.

  • Laurie Pierre

    What I’ve learned that I have more control over my credit than I thought. I didn’t understand that a credit report and credit score were 2 different things. My credit mentality is getting fine tuned and I know that I can definitely clean up my debt solo and use my credit to enhance my score while i pay off debt.

  • Monica Merritt

    I learned that my credit score card is different (lower) than credit karma scores. So I can not wait to learn how I can improve my score.

  • Sharon Gamble-King

    I have really enjoyed it so far. A lot I already knew because I’m obsessed with getting to the 800 club, so I look stuff up on my own. However the refresher is great, plus I’m networking with wonderful women in my shoes and meeting people, so it is well worth it regardless of what I already know (smile)

  • Sharon Gamble-King

    P.S. Another comment I have is staying focused because even though I have the knowledge of what puts together my credit score and history, it is being determined to make these things happen and act upon it, which I have been really bad about doing. So what I know is not doing me any good if I don’t utilize it in real time. That’s about to change

  • Shirley

    Last week’s task helped me to get more info on my credit status for 2017. I knew I needed to get updated credit reports but I hadn’t in over a year. Credit Sesame was beneficial because it allowed me to see my credit worthiness in getting a 0% card to pay off two high interest cards. I learned that need to get a couple of old debt matters cleared up to get my score and apply for a 0% interest card and get the other two paid off. Thank God I have been paying them on time, but I want to pay them off faster.

  • Charmaine Glover

    Last week made me see myself, and the help that I really need. I am looking for an accountabilty partner, I really think that if I had someone doing the same thing at the same pace would be successful for the both of us. But in the meantime in between time I am on a mission. (Philadelphia)

  • Sondra Frank

    This week has been very eye-opening. Learning about what makes up your credit score has been especially insightful!!!!

  • Monica Cornelius

    This week was basically a review of things that I already knew but it gave me a chance to obtain the information that I needed to look at my financial situation overall. Now that I have the information, it is time for me to make a plan to be able to reach my financial goals.

  • Maggie Wills

    I have been sick the last few days but my credit score and FICO have remained at the top of my list. I can actually see a light at the end of the tunnel. I came into some UM and was able to pay off a bill and get further OUT of debt. Loving this life that I am living alongside the Budgetnista!

  • L’tonya

    I am a little behind but getting caught up. I paid off my first credit card bill. I have 4 bills left and am paying within my budget. I like this program to keep me on track. with the daily activities. I got my credit score and i am working hard to get it up by paying off my bills.

  • Pamela Hudson

    I really enjoyed learning so much in my first week. I was so ashamed of my credit I did not even want to look at it. I took the chance to view my credit and learned a lot. I must clean it up, raise my score and get my life back in order. I am know longer depressed about retiring from the transportation industry. I look forward to learning how to decrease my student loans and definitely look forward to keeping my credit card utilization down. Thank You, Ms. Budgetnista