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A10. Start with the basics. Review your credit score, budget, debts and interest rates. Come up with a list of money goals to focus your path forward. Automate what makes sense (e.g., savings, investments, debt payoff). Commit to checking in at set intervals. #creditchat

A9. Use technology/automation to help (automating savings/investments, bill payments). Set up recurring money dates (perhaps monthly or biweekly) with your spouse. Check your financial apps a couple times a week. It all gets easier when habits are established. #creditchat

A8. Credit can be a tool that you can use to your advantage. For example, few have the ability to pay cash for a home, car or college education. You need to make sure you're not getting overextended, though. Strong credit = best terms on loans. #creditchat

A7. Without emergency savings, that next unexpected expense (a medical bill, car repair, etc.) can lead to high-cost credit card debt. Expensive debt is easy to get into and hard to get out of. Savings are your buffer. Even starting small is worth something. #creditchat

A6. Automating bill payments can ensure that you pay on time, which is good for your credit score. Automatic contributions to savings and investments mean you can make a good decision once and watch it pay dividends repeatedly over time. #creditchat

A5. Don't get overwhelmed or make it overly complicated. At its core, personal finance is pretty simple. Try to live on less than you make. Set money aside at the beginning of the month for savings and investments. Once you get in the habit, it gets easier over time. #creditchat

A4. In a lot of categories, you should focus on the recent past because of the rising cost of living. Your grocery bill from 2 years ago is no longer that relevant. Look at what you spent the past 2-3 months. Adjust some categories, like utilities, for seasonality. #creditchat

A3. This is a benefit of using credit or debit cards -- your spending is tracked for you. Cash users should consider keeping a spending journal (at least sometimes). You have to know where you've been in order to figure out where you're going. #creditchat

A2. Warning signs might include taking on debt and/or depleting savings. Also losing sleep or fighting with your spouse about money. A budget reset can even be a smart thing to do periodically because things change. Or in advance of a spendy time like the holidays. #creditchat

A1. A financial reset involves taking a step back and reexamining your finances. For example, reviewing recent expenses and seeing how your budget has changed. Or needs to change. You might consider dropping discretionary expenses like subscriptions or dining out. #creditchat

Excited to be here, thanks for having me!

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