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    LifeStyle, Tips + Tricks

    Stepping up my credit game with CreditRepair.com

    missyonmadison, missyonmadison blog, creditrepair, creditrepair.com review, credit repair review, how to improve your credit, how to increase

    Thank you CreditRepair.com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a lifestyle.

    Clear Credit for the WIN! Guys I am super excited to be providing an update on my experience with CreditRepair.com so far. I have been using their service for a while now and have lots of thoughts to share so all of you can get your credit in tip top shape just like me!

    If you are anything like me you want to plan ahead for what’s to come no matter what stage you are in with your credit journey. My fiance and I are planning our wedding, searching for a house + preparing to start a family…what does this all require? Mint credit! Well, at least if you want a great mortgage rate it does. That’s why I was pumped to begin using CreditRepair.com!missyonmadison, missyonmadison blog, creditrepair, creditrepair.com review, credit repair review, how to improve your credit, how to increase

    If you remember from my last post, CreditRepair.com is the leading provider of credit report repair services in the United States, with over 500,000 clients served! 

    What I love about CreditRepair.com is that I had an advisor to talk to from the moment I signed up. Someone to answer all my questions and walk me through the process of understanding my credit report and how my credit score was calculated. In fact, the CreditRepair.com team also did a deep dive into my credit history and found some outstanding medical bills I didn’t even know about that were impacting my credit score…don’t panic, we made a plan!missyonmadison, missyonmadison blog, creditrepair, creditrepair.com review, credit repair review, how to improve your credit, how to increase

    CreditRepair.com reached out to those hits on my credit and after a short amount of time the hits were removed leaving my credit report squeaky clean and my score above 800! This has been one of my favorite things about working with CreditRepair.com: learning how to easily manage and repair my credit score so I am prepared for what’s ahead.missyonmadison, missyonmadison blog, creditrepair, creditrepair.com review, credit repair review, how to improve your credit, how to increase

    Remember, your credit score is never written in stone. Whether you are financially savvy and want to remain on top of your game, or you are struggling to get debt-free and have a successful financial future, CreditRepair.com has awesome resources and a responsive team here to support you on your credit journey!missyonmadison, missyonmadison blog, creditrepair, creditrepair.com review, credit repair review, how to improve your credit, how to increase

    If you are seriously interested in using CreditRepair.com Services, you have an opportunity to share your story, and potentially be chosen to start their own credit journey free-of-charge! Want help improving your credit score? We’re working with CreditRepair.com to give select followers support from their experienced team! We’ll follow along for 6 months as you work on building your credit. The services will be comped by CreditRepair.com, who will help identify questionable negative items hurting your score, and build a custom game plan for you. They’ll also challenge the bureaus and your creditors to help make your Credit Score reflect accurately and fairly. This opportunity is open to a U.S. resident who feels their current score is less-than-ideal, no matter their situation or reason.

    If you think you could benefit from this, fill out this form here and let us know a little about your current credit situation and goals, and let us know a little about your current credit situation and goals. We’ll notify you if you’ve been selected by December 20. Participants must be U.S. residents. They will not be required to endorse CreditRepair.com unless they had a genuinely positive experience. 

    *Brought to you in partnership with CreditRepair.com.

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    Disney, Tips + Tricks, Travel

    Tips To Planning A Disney Trip…

    White Eyelet Skirt || White Wedges || Danielle Nicole Purse || Tie Dye Disney Sweatshirt || Mint Green Minnie Ears

    ♥ Everything You Need To Know For Disney Planning During COVID ♥

    We’ve been in a pandemic for over 6 months now. Lots of unanswered questions, future unknown + moods haven’t been the best. We’ve been quarantined at home, beginning the steps of wedding planning, avoiding going out but next week that changes for me. I’ll be heading to Orlando for a press trip with Disney along with meeting with vendors for the wedding + overall planning for what’s ahead.

    I’m excited to head to Orlando but also nervous. I am taking every safety precaution seriously and anxious to see the extra steps put in place at Disney to keep everyone safe, healthy + happy so I wanted to share some things to keep in mid if you are planning a Disney World trip during this uncertain time.

     1. REFERENCE THE DISNEY WORLD WEBSITE FOR RESORT CLOSURES + PARK HOUR CHANGES

    Currently the Walt Disney World Resort is opening limited resorts, restaurants etc so it’s important when planning your trip to see what is open, what is not + what are the new park hours given the updated park status. For example, the Polynesian Resort is closed until 2021 as it is being re-designed to be made Moana theme while other resorts are closed due to refurbishments + overall not having every resort open at once to limit overall capacity for safety pre-cautions.

     2. NO PARK HOPPING

    A new regulation in place at Walt Disney Resort due to COVID is that you can no longer park hop. You can only go to one park per day to prevent spreading any possible germs from location to location. No word on when park hopping will resume but for now this is the policy in place.

     3. MAKE PARK RESERVATIONS AHEAD OF TIME

    New Walt Disney World Resort policy is that in order to visit one of the 4 theme parks, you must purchase tickets (or have your annual pass) ahead of time and book the day and park you want to attend in advance. This policy is in place to limit park getting filled above limited capacity currently in place to keep everyone safe. If you are planning a trip it’s key to book the days at the parks in advance to assure you get to go to the park on the days you want.

     4. MASKS REQUIRED AT ALL TIMES IN THE PARK

    I’m packing over 50 masks with me to match the looks I’m bringing to Disney given I will try to shoot some content while I am there, but overall the mask policy is while visiting any of the 4 parks you must wear a mask and you can’t take it off for pictures or any other reason other than to eat which you can’t do while walking to avoid people walking around maskless.

    5. PACK YOUR SANITIZER, WIPES + ALL OTHER CLEAN ESSENTIALS TO USE THROUGHOUT THE DAY

    I am going to the parks fully prepared with Clorox wipes, extra masks, plenty of sanitizer + more to make sure I have everything I need on me to keep clean. It’s important to sanitize after touching every surface and the wipes are handy for any transportation or rides you may be going on (including the airplane – I wipe down every inch of my seat, tray table, window etc to avoid any remaining bacteria. I also wipe down every piece of luggage often whether carry on or checked to make sure I am not touching what could have been touched by others.

     6. PLAN YOUR MEALS AHEAD OF TIME

    At the parks not every restaurant or fast service location is open so be sure to scope out the situation on the My Disney Experience app ahead of time to avoid getting hangry without knowing where to go to grab lunch or dinner.

     7. ENJOY YOURSELF + BE SAFE

    While we are living in a time with a lot of uncertainty, if you are planning a Disney trip make sure to be safe. Keep your distance, wear your mask, sanitize and wash your hands often, don’t touch your face, eyes or mouth until you have fully cleansed your hands etc, and most importantly think before acting – so often I will touch a surface + then out of habit go about my day…nope you must wipe down or sanitize everything to assure you avoid the spread of germs!

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    White Eyelet Skirt || White Wedges || Danielle Nicole Purse || Tie Dye Disney Sweatshirt || Mint Green Minnie Ears

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    Shopping Guides, Shopping List, Tips + Tricks

    Labor Day Sales 2020…

     🛍 LABOR DAY SALES 2020  🛍

    Labor Day weekend is HERE! In addition to soaking up the last days of summer, I will be on the hunt for some good sales and steals to build up my fall into winter wardrobe, beauty routine + more!

    From beauty to fashion to tech to lifestyle + more I wanted to round up the best Labor Day Weekend Sales to shop – all with great offers + the best items you’ll want to splurge on…here we go  🛍

    Banana Republic: 40% off your purchase.

    Bloomingdale’s: Discounts on select styles.

    Boohoo: 60% off everything.

    Express: Up to 80% off clearance.

    Good American: Extra 50% off sale.

    J.Crew: 35% off almost fall faves with code FALLISH.

    Kate SpadeExtra 40% off sale with code HEATINGUP.

    Kendra Scott20% off everything.

    Macy’s: Up to 60% off everything.

    MajeExtra 20% off sale.

    Moda OperandiUp to 80% off select styles.

    NordstromUp to 50% off select styles.

    Old Navy: Up to 60% off everything.

    Saks Fifth Avenue: Up to 75% off select styles.

    Sephora: Up to 50% off select items.

    Urban Outfitters: Discounts on select styles.

    ULTA: 21 Days Of Beauty Sale continues.

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    LifeStyle, Outfits, Tips + Tricks

    Confidence Is Key…

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    RAYE The Label Green Sandals || Green Valentino Glamlock Bag || REVOLVE Lovers + Friends Dress

     🔑 CONFIDENCE is KEY 🔑

    Lately I’ve been spending a lot of time on TikTok building up a fun + supportive community there along with sharing some current happenings in my life + also sharing some tips + tricks I’ve learned over the years. One of the many questions I’ve been asked over on TikTok + also on Instagram is how I Build Up My Confidence so I figured I would make a post about it since it’s a common issue everyone struggles with every now + again, even me!

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    KNOW YOUR STRENGTHS

    No one is perfect and when it comes to building confidence sometimes you see your imperfections over your strengths and that is something that is key to tackle when trying to build your confidence. Make a list of the things you are great at from being a good friend, to having nice style, to being a hard workers…when you know your strengths it’s a lot easier to feel strength in being yourself + in turn being confident!

    DO THINGS THAT BRING OUT THE BEST IN YOU

    Something that’s really helped me build my confidence up over the years is to embrace things that bring out my strengths. For me that is creating fun colorful content which I enjoy doing, working hard on my career where I make my clients happy by providing them great results + being a good friend and partner to my fiance and besties.missyonmadison, missyonmadison blog, la blogger, tips to increasing confidence, how to be confident, tips to gain confidence, how to feel confident even when you are feeling down, pink revolve dress, pink revolve clothing dress, green raye the label sandals, green sandals, green valentino bag, green valentino glamlock bag, outfit inspo, ootd, fashion inspo 2020,

    SURROUND YOURSELF WITH PEOPLE THAT LIFT YOU UP

    I am pretty independent but even when I feel strong on my own sometimes if I am feeling down it is great to have a strong support system that lifts me up. Even the most confident of people have their down days and how you handle yourself when you are sad and who you turn to make all the difference. Having supportive people around you that help add to your confidence and shine light on your strengths is something that truly helps you to build and maintain your overall confidence.

    VISUALIZE YOUR GOALS + ACCOMPLISH THEM

    One of the things that have made me confident over the years is setting goals + accomplishing them. There is something so satisfying about setting goals whether it be with your career, your health and well being, your personal growth + more and then working hard to make those goals happen! When you are able to accomplish what you set your mind to it leads to a great sense of self confidence!

    missyonmadison, missyonmadison blog, la blogger, tips to increasing confidence, how to be confident, tips to gain confidence, how to feel confident even when you are feeling down, pink revolve dress, pink revolve clothing dress, green raye the label sandals, green sandals, green valentino bag, green valentino glamlock bag, outfit inspo, ootd, fashion inspo 2020,

    SHOP THE POST

    RAYE The Label Green Sandals || Green Valentino Glamlock Bag || REVOLVE Lovers + Friends Dress

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    LifeStyle, Tips + Tricks

    Tips To Investing for the First Time…

    ♥ Ready to Invest Like A Pro? ♥

    If you said to me a few years ago, let alone a year ago that I would be thinking about my financial future + be opting to invest some money rather than spend it all where I can see it…my closet hehe I would have said you are C R A Z Y…BUT here we are, I am super into investing, excited about my financial future + honestly I feel really amazing about it!

    Over the past year I discovered more + more young people are neglecting investing, living paycheck to paycheck or are spending beyond their means. Trust me…this was me. For YEARS I felt brunches, lunches, dinners, Starbucks, handbags, shoes etc were more important than my financial future. I thought about the immediate now rather than the future + it honestly took me till seeing how wise my boyfriend is with his money that inspired me to get better with mine.

    I laid out a plan to pay off my credit card debt, think about how much I should be investing a year not just to secure a better future but also have tax break benefits as a write off, and of course…invest money in ways that will actually MAKE me money, YES investing in your financial future isn’t just saving for a rainy day or retirement, investing if done right can become an additional revenue source + that is what thrills me the most!

    OK, so you are hyped, you are inspired + you are ready to begin investing…so what is the next step? What do you do? Well I did a little Q&A with various people in the financial world to cover all of your questions. *Note these are personal opinions*

    1. Less and less Millennials are learning about investing, let alone actually investing themselves. Why do you think this is?

    Most Millennials have student loan debt and are trying to get a good enough paying job after college to actually afford to be self sufficient, so saving is the last thing on their minds.

    2. What is investing?

    Investing is putting away money for the future, either retirement or for future big purchases ex. cars or a house

    3. What types of investments are there?

     Mutual funds, individual stocks or retirement such as I.R.A.’S or 401K’S through your job.

    4. When it comes to starting a 401k when should a person create one on their own vs taking one with an employer? When should someone take advantage of an employer 401k plan?

    When you start a new job, you are often told about the company’s benefits package which includes a 401K (better known as a retirement plan). The plan typically entails setting money aside each paycheck as a pretax deduction to put away for your retirement. Some employers will match your contribution making it worthwhile to go through your company for your 401K plan as opposed to doing it on your own.
    Personally I like my Traditional I.R.A where I get a tax deduction at the end of the year when I file my return and if I leave an employer I don’t have to stress about switching over or transferring my 401K.

    5. What age should one seriously begin investing? 

    Realistically you should begin investing as soon as you can + you can start off small by saving $50 per paycheck and set that aside to invest or put into a retirement account. Ideally, age 23 is the optimum age to begin investing since most people re usually finished with their 4 years of college and in their first full time job most likely. If you are continuing on to get your Masters, you should hold till you finish school.

    6. How does one balance paying off debt i.e. student loans and also putting money aside to invest?

    Look at your monthly net income after taxes and evaluate your bills and expenses. See where you are spending the most money or where frivolous spending occurs (Starbucks, Brunch, Bars, Ubers etc) and cut those expenditures back by a quarter, half or third to put those funds towards investing for your future. You get way more out of your investments than that Avocado Toast, Bottle Service at the Club etc. Personally I don’t drink since I don’t like the taste but also I can’t justify spending on things that aren’t tangible + long lasting. My guilty pleasure is shoes and handbags which I can always sell if needed etc.

    7. What percentage of a paycheck should go towards investing?

    It is recommended to invest a minimum of 5% of your paycheck per pay period, but if you can invest more that is always recommended!

    8. What are the benefits of investing? Can your money really grow? What are the risks?

    The benefits of investing are that the money earns much more than in a savings account which pays very little & barely grows. The current rates of savings accounts around the country are typically only 1% ad that is really bad. The risks are that the market does fluctuate daily but as long as you ride it out and don’t look for immediate returns the pay off can be huge.

    9. For someone new to investing how do they get started?

    There are plenty of apps out there to help advise you on good investment options or you can always seek out a financial advisor although they do charge a fee. You can also go directly to companies like Fidelity, Voya etc and join their ‘House Accounts’ if you don’t want to pay a financial advisor fee or commission.

    10. What should someone investing be on the lookout for when choosing investments?

    You should look at the portfolio of each and every fund or stock and see it’s historic prices & returns. Look at the length of time the fund has been around, who is the fund manager and what is their experience etc.

    11. How much should someone have to begin investing with? How often should they add to this?

    Most funds want a minimum of $1,000 to start with, some may want more depending on the fund. It is recommended to start with $2,000 to diversify your first investment (split between 1 or more mutual funds or stocks)

    12. Do you feel investing encourages better financial responsibility? If so why?

    Yes, because you get to see your quarterly statements and be proud of what your extra income earned for your future. Investing is a great way to make money on the money you already have without doing any work. Let your money work for you.

    13. Any misconceptions you’ve come across in your career about investing? If so what?

    MANY PEOPLE THINK STOCKS AND FUNDS ARE INSURED AND GUARANTEED, AND THEY ARE NOT. IT IS A RISK, BUT EVERYTHING COMES WITH RISKS.

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