• Home
  • BEAUTY
  • FACE MASK FRIDAY
  • FASHION
  • LIFESTYLE
  • TRAVEL
  • ABOUT

A Life With Frills

  • ABOUT
  • NEWSLETTER
  • PRIVACY & DISCLOSURE POLICY
  • WORK WITH ME

HOW TO DEAL WITH BAD CREDIT

February 18, 2022 in LIFESTYLE
woman credit card spending

If you’ve had some difficulties in managing your credit payments in the past, then you may have a bad credit rating. It’s not the end of the world. However, don’t believe online sites claiming that they can ‘fix’ your bad credit, as there is no such thing. When you still want to live a good life but need to make a few changes, here are some ways to manage a bad credit situation.

Ask for a Payment Deferral on Your Credit Cards

If you have suffered a health-related issue or an interruption to your employment previously, then it may be possible to ask for a payment deferral from your credit card company. It depends on your circumstances whether they’ll grant it however. They may be willing to reduce your interest rate for a few months or to lower your minimum payment to make it more affordable. The former may save you money while the latter will require longer to clear the balance.

Downsise Your Car If It Makes Sense

Sometimes, you realise too late that your car is too large and overly expensive. It consumes fuel faster because of a larger engine and it’s a pain to find a parking space. If this sounds like your situation, you may wish to sell up and get a more affordable, smaller car. If you get a second-hand car and you finance it smartly, it should mean you have extra money each month to put towards your debt. Even if you have bad credit, there are still places with a variety of financing options. For example, online at sites like ChooseMyCar, you can still get finance depending on how flexible you are with what you want.

Become More Responsible with Debt

Demonstrating that you’re more responsible with money means meeting your financial payments on time. Taking out new credit is fine, as long as it’s repaid without being late on payments or missing them entirely. Your credit score and report does reflect late or missed payments. Therefore, while there’s no such thing as credit repair in the truest sense, borrowing and repaying responsibly is a good start.

Repay Debts Sooner by Reducing Spending

Getting better deals with debt is helped when you owe less of it, so reduce your spending. Also, if you have less owing, and no recent late payments, then it’s likely an improved credit rating will give you discounted interest rates on new deals too. This is because you’re now a lower risk to lenders. To reduce your consumer debt, cut back on unnecessary spending and look for discounts. By using the money saved to pay off your highest-interest credit card, you can make faster headway on the most expensive debt.

Don’t Avoid Credit Unless Your Money Is Too Tight

Anyone who has as much money coming in as going out likely shouldn’t look to borrow more until their situation improves. Taking on a second job or developing a side income can ease this pressure. If you do have spare funds, then it can be helpful to your credit rating to still borrow money. Borrowing and repaying on time provides proof that you’re a responsible borrower now.

A bad credit situation isn’t something that’s resolved in a few months. But given a year or more, steps can be taken to remedy your credit record and you will be seen as a responsible credit user again. Learning how to be smart with your finances is important.

Photo by Karolina Grabowska from Pexels
You can see what i’m loving, and what i’m doing, over on my Instagram.

Tags : finance, finance smart, finance tips, how to get rid of bad credit, how to handle bad credit, improve your finances, lifestyle

Previous 3 WAYS TO IMPROVE YOUR HOME’S EXTERIOR
Next HEALTH CONCERNS TO THINK ABOUT POST-COVID

Primary Sidebar

ABOUT ME

ABOUT ME

Laura Pearson is a Beauty Editor and Skinfluencer that's obsessed with luxury skincare and makeup. She's all about that glow! She is also a luxury travel writer and always has a trip planned. Laura has a chic style and this blog is full of her product loves, luxury travel tips and general guides on how to live an elevated life.

Popular Posts

good Niacinamide skincare products

HOW NIACINAMIDE CAN CHANG...

January 12, 2021

snowy weather 2021

3 WAYS TO CHANGE YOUR LIF...

January 15, 2021

CBD bath bomb

4 REASONS TO INCORPORATE...

January 18, 2021

romantic party decor

HOW TO THROW A VIRTUAL EN...

January 19, 2021

Collagen Powder Drink

4 REASONS TO ADD COLLAGEN...

January 19, 2021

pink ribbon gift

TIPS FOR FINDING THE PERF...

January 20, 2021

Face Mask Friday

  • Saturday Skin Yuzu Sleep Mask

    SATURDAY SKIN YUZU VITAMIN C SLEEP MASK REVIE...

    BEAUTY, FACE MASK FRIDAY
  • Sensai Cellular Performance Mask

    SENSAI CELLULAR PERFORMANCE MASK REVIEW

    BEAUTY, FACE MASK FRIDAY
  • Decleor Green Mandarin Glow Scrub Mask

    DECLEOR GREEN MANDARIN GLOW SCRUB MASK REVIEW...

    BEAUTY, FACE MASK FRIDAY
  • Pai Resurrection Girl Mask Review

    PAI SKINCARE RESURRECTION GIRL MASK REVIEW...

    BEAUTY, FACE MASK FRIDAY
  • Meder Beauty Lipo Oval Mask Review

    MEDER BEAUTY LIPO-OVAL MASK REVIEW

    BEAUTY, FACE MASK FRIDAY
  • wishful mask review

    FACE MASK FRIDAY: WISHFUL MASKS REVIEW

    BEAUTY, FACE MASK FRIDAY
  • Florena Fermented Skincare face mask review

    FACE MASK FRIDAY: FLORENA FERMENTED SKINCARE...

    BEAUTY, FACE MASK FRIDAY
  • Dermalogica Melting Moisture Masque

    FACE MASK FRIDAY: DERMALOGICA MELTING MOISTUR...

    BEAUTY, FACE MASK FRIDAY

Instagram

{Press Trip/UnpaidAD} And that’s a wrap on all m {Press Trip/UnpaidAD} And that’s a wrap on all my #grancanaria content. I just want to thank these amazing girls for a trip of a lifetime - @jasminecjonas @aglassofice @behindthefalselashes @robynpoppy 👯‍♀️
#jet2grancanaria #somuchtolivefor #girlstrip #girlsholiday #girlsquad #girlsquadgoals #girlsquad💖 #ukfashionblogger #uktravelblogger #grancanarias #summervibes #summeroutfits #summeroutfitideas #summeroutfitinspo #womensupportingwomen #womenempoweringwomen #holidayoutfit #holidaystyle #canaryislands #canaryisland #influencerlife #influencerblogger #travelinfluencer #presstrip #friendshipgoals #friendgoals #friendforlife #outfitinspirations #outfitinspo
{PR gift/UnpaidAD} ✨The glow is real. My love af {PR gift/UnpaidAD} ✨The glow is real. My love affair with @hydrafacialuk @hydrafacial continues. Real skin, bare skin, #nofilterneeded - just a Hydrafacial treatment. I always have the best skin of my life after a Hydrafacial & I can never replicate the results myself at home. If you want to put your money towards any facial, this is the one where you’ll see a remarkable difference in your skin. It’s my favourite beauty treatment IN THE WORLD! ✨🥰
#hydrafacial #hydrafacialmd #hydrafacialnation #hydrafacialuk #hydrafacials #hydrafacialglow #resurfacing #dermabrasion #exfoliating #glowup #glowingskin #glowingskintips #glowingskinisalwaysin #glowingskinisin #glasgowbloggers #instaskin #instaskincarecommunity #facialtreatment #facials #skintexture #skintreatments #skintreatment #hydratingfacial #hydratingskincare #nofilter #beautifulskinstartshere #beautifulskin #skingoals #realskin
It’s a @freshbeauty #texturetuesday party! 🎉 It’s a @freshbeauty #texturetuesday party! 🎉 Clockwise from 5 past - Black Tea Firming Overnight Mask to plump & aid recovery; Umbrian Clay Purifying Mask to purify, mattify & minimise pores; Rose Face Mask to cool & hydrate; Sugar Face Polish to exfoliate & smooth; Vitamin Nectar Vibrancy-Boosting Face Mask to add radiance & exfoliate; then in the centre, the Black Tea Instant Perfecting Mask to hydrate & smooth.
♥️
#freshbeauty #textureshot #textureshots #skincaretexture #allatexture #facemask #skincareuk #skincarebloggersuk #skincareaddicts #skincareaddicted #bbloggersuk #ukbeautybloggers #ukbeautyblogger #skincareproducts #skincarejunkie #skinsta #skinstasquad #skincareproducts #bbloggers #instaskincare #skincareobsessed #skincareobsession #facemaskchain #facemasktime #facemasker #glasgowblogger #scottishbloggers #beautycontentcreator #facemaskaddict
{Some PR Samples/UnpaidAD} A fabulous array of pro {Some PR Samples/UnpaidAD} A fabulous array of products for this week’s #friyayfaves post!
The new @biossance Squalane & Copper Pepid Rapid Plumping Serum is a real gem. This pale blue gel serum is insanely hydrating and my skin just drinks it in, leaving it looking plump & juicy. Great big bottle for a serum too. Another hydrating hero is the @freshbeauty Rose Deep Hydration Facial Toner. It’s a cult favourite for a reason - delicious rose scent, floating petals and really puts some moisture back into your skin.
Talking big moisture (are you seeing the pattern here), the new @dermalogicauk Hyaluronic Ceramide Mist* really does hydrate and leave skin feeling so comfortable and soft. Seems a lot more powerful than other mists, which I think is the ceramides really fortifying my skin barrier to leave it lovely and happy.
The new serum from @lancomeofficial is incredible and more than worth its high price tag. In the Renergie HCF Triple Serum, 3 powerful active ingredients (Vitamin C, Niacinamide & Ferulic Acid) are kept unmixed, in their own chambers to keep their potency. Only at the point of pressing the pump do they mixed in your hand. So effective at improving skin texture and brightness. Deserves an array of awards!
To keep my laminated brows in place I’ve been relying on @eyebrowqueen Brow Fix for months now. They do not budge but they look very natural. This does make your brows crispy, but it doesn’t flake or rub off. I don’t mind the crispness as visually they look great, but some might not like this.
Finally, I’m so happy to have the @foreo_uk Iris eye device in my life, to massage any eye bags or puffiness away. Great to use over an eye cream. It’s so relaxing too!
🥰
#beautyfavourites #beautyfavorites #skincarefavorites #skincarefavourites #lancome #freshbeauty #biossance #dermalogica #luxurybeauty #luxuryblogger #glasgowblogger #scottishbloggers #ukbeautybloggers #ukbeautybabes #bblogger #bbloggers #bbloggersuk #skincareaddict #skincareaddiction #beautyaddicts #beautyaddiction #skincarerecomended #skincarereview #skincarereviews #instaskin #skinsta #skinstagals #skinstagram #foreo
{Press Trip/AD} Last week I was in the sun in glor {Press Trip/AD} Last week I was in the sun in glorious Gran Canaria with @jet2pics - laughing and hanging out with 4 other gorgeous girls. We ate amazing food, drank amazing wine and cocktails and enjoyed the most beautiful views of the sea and the beach. I think you can see my happiness radiating in these photos. Gran Canaria is a truly special place to visit & I’ll hold this trip in my heart for a very long time! Just look at that water! 🌊 ☀️ 👯‍♀️ 
#jet2holidays #Jet2GranCanaria #GranCanaria #SoMuchToLiveFor #grancanaria #grancanarias #grancanariafoto #grancanariainfo #luxurytravel #luxurytraveller #luxurytraveler #luxurytravels #luxurytraveldaily #luxurytravelblogger #luxurytravelblog #spanishsummer #outfitoftheday #outfitinspiration #fbloggersuk #outfitshot #outfitdujour #bbloggersuk #skinfluencers #travelinfluencer #travelinfluencers #travelbloggerlife #travelbloggervibes #ukbloggers #luxurylife #friyayfaves
Cannot get enough of the @goodhabitskin Water Jell Cannot get enough of the @goodhabitskin Water Jelly Dew Cream! It wibble wobbles like a jelly and has blue light protection! Hyaluronic acid locks moisture into skin to create a hydrated, plumper appearance, while a blend of 20% humectants draw water to the skin to keep it moisturised all day long.
💦
#texturetuesday #hydratingskincare #hydratingskin #moisturiser #moisturizer #moisturising #moisturizing #hyaluronic #hyaluronicacid #glasgowblogger #scottishbloggers #textureshot #textureshots #skincaretexture #allatexture #skincareuk #skincarebloggersuk #skincareaddicts #skincareaddicted #bbloggersuk #ukbeautybloggers #ukbeautyblogger #skincareproducts #skincarejunkie #skinsta #skincareproducts #bbloggers #instaskincare #skincareobsessed #skincareobsession
{Press Trip/UnpaidAD} And that’s a wrap on all m {Press Trip/UnpaidAD} And that’s a wrap on all my #grancanaria content. I just want to thank these amazing girls for a trip of a lifetime - @jasminecjonas @aglassofice @behindthefalselashes @robynpoppy 👯‍♀️
#jet2grancanaria #somuchtolivefor #girlstrip #girlsholiday #girlsquad #girlsquadgoals #girlsquad💖 #ukfashionblogger #uktravelblogger #grancanarias #summervibes #summeroutfits #summeroutfitideas #summeroutfitinspo #womensupportingwomen #womenempoweringwomen #holidayoutfit #holidaystyle #canaryislands #canaryisland #influencerlife #influencerblogger #travelinfluencer #presstrip #friendshipgoals #friendgoals #friendforlife #outfitinspirations #outfitinspo
{PR gift/UnpaidAD} ✨The glow is real. My love af {PR gift/UnpaidAD} ✨The glow is real. My love affair with @hydrafacialuk @hydrafacial continues. Real skin, bare skin, #nofilterneeded - just a Hydrafacial treatment. I always have the best skin of my life after a Hydrafacial & I can never replicate the results myself at home. If you want to put your money towards any facial, this is the one where you’ll see a remarkable difference in your skin. It’s my favourite beauty treatment IN THE WORLD! ✨🥰
#hydrafacial #hydrafacialmd #hydrafacialnation #hydrafacialuk #hydrafacials #hydrafacialglow #resurfacing #dermabrasion #exfoliating #glowup #glowingskin #glowingskintips #glowingskinisalwaysin #glowingskinisin #glasgowbloggers #instaskin #instaskincarecommunity #facialtreatment #facials #skintexture #skintreatments #skintreatment #hydratingfacial #hydratingskincare #nofilter #beautifulskinstartshere #beautifulskin #skingoals #realskin
It’s a @freshbeauty #texturetuesday party! 🎉 It’s a @freshbeauty #texturetuesday party! 🎉 Clockwise from 5 past - Black Tea Firming Overnight Mask to plump & aid recovery; Umbrian Clay Purifying Mask to purify, mattify & minimise pores; Rose Face Mask to cool & hydrate; Sugar Face Polish to exfoliate & smooth; Vitamin Nectar Vibrancy-Boosting Face Mask to add radiance & exfoliate; then in the centre, the Black Tea Instant Perfecting Mask to hydrate & smooth.
♥️
#freshbeauty #textureshot #textureshots #skincaretexture #allatexture #facemask #skincareuk #skincarebloggersuk #skincareaddicts #skincareaddicted #bbloggersuk #ukbeautybloggers #ukbeautyblogger #skincareproducts #skincarejunkie #skinsta #skinstasquad #skincareproducts #bbloggers #instaskincare #skincareobsessed #skincareobsession #facemaskchain #facemasktime #facemasker #glasgowblogger #scottishbloggers #beautycontentcreator #facemaskaddict
{Some PR Samples/UnpaidAD} A fabulous array of pro {Some PR Samples/UnpaidAD} A fabulous array of products for this week’s #friyayfaves post!
The new @biossance Squalane & Copper Pepid Rapid Plumping Serum is a real gem. This pale blue gel serum is insanely hydrating and my skin just drinks it in, leaving it looking plump & juicy. Great big bottle for a serum too. Another hydrating hero is the @freshbeauty Rose Deep Hydration Facial Toner. It’s a cult favourite for a reason - delicious rose scent, floating petals and really puts some moisture back into your skin.
Talking big moisture (are you seeing the pattern here), the new @dermalogicauk Hyaluronic Ceramide Mist* really does hydrate and leave skin feeling so comfortable and soft. Seems a lot more powerful than other mists, which I think is the ceramides really fortifying my skin barrier to leave it lovely and happy.
The new serum from @lancomeofficial is incredible and more than worth its high price tag. In the Renergie HCF Triple Serum, 3 powerful active ingredients (Vitamin C, Niacinamide & Ferulic Acid) are kept unmixed, in their own chambers to keep their potency. Only at the point of pressing the pump do they mixed in your hand. So effective at improving skin texture and brightness. Deserves an array of awards!
To keep my laminated brows in place I’ve been relying on @eyebrowqueen Brow Fix for months now. They do not budge but they look very natural. This does make your brows crispy, but it doesn’t flake or rub off. I don’t mind the crispness as visually they look great, but some might not like this.
Finally, I’m so happy to have the @foreo_uk Iris eye device in my life, to massage any eye bags or puffiness away. Great to use over an eye cream. It’s so relaxing too!
🥰
#beautyfavourites #beautyfavorites #skincarefavorites #skincarefavourites #lancome #freshbeauty #biossance #dermalogica #luxurybeauty #luxuryblogger #glasgowblogger #scottishbloggers #ukbeautybloggers #ukbeautybabes #bblogger #bbloggers #bbloggersuk #skincareaddict #skincareaddiction #beautyaddicts #beautyaddiction #skincarerecomended #skincarereview #skincarereviews #instaskin #skinsta #skinstagals #skinstagram #foreo
{Press Trip/AD} Last week I was in the sun in glor {Press Trip/AD} Last week I was in the sun in glorious Gran Canaria with @jet2pics - laughing and hanging out with 4 other gorgeous girls. We ate amazing food, drank amazing wine and cocktails and enjoyed the most beautiful views of the sea and the beach. I think you can see my happiness radiating in these photos. Gran Canaria is a truly special place to visit & I’ll hold this trip in my heart for a very long time! Just look at that water! 🌊 ☀️ 👯‍♀️ 
#jet2holidays #Jet2GranCanaria #GranCanaria #SoMuchToLiveFor #grancanaria #grancanarias #grancanariafoto #grancanariainfo #luxurytravel #luxurytraveller #luxurytraveler #luxurytravels #luxurytraveldaily #luxurytravelblogger #luxurytravelblog #spanishsummer #outfitoftheday #outfitinspiration #fbloggersuk #outfitshot #outfitdujour #bbloggersuk #skinfluencers #travelinfluencer #travelinfluencers #travelbloggerlife #travelbloggervibes #ukbloggers #luxurylife #friyayfaves
Cannot get enough of the @goodhabitskin Water Jell Cannot get enough of the @goodhabitskin Water Jelly Dew Cream! It wibble wobbles like a jelly and has blue light protection! Hyaluronic acid locks moisture into skin to create a hydrated, plumper appearance, while a blend of 20% humectants draw water to the skin to keep it moisturised all day long.
💦
#texturetuesday #hydratingskincare #hydratingskin #moisturiser #moisturizer #moisturising #moisturizing #hyaluronic #hyaluronicacid #glasgowblogger #scottishbloggers #textureshot #textureshots #skincaretexture #allatexture #skincareuk #skincarebloggersuk #skincareaddicts #skincareaddicted #bbloggersuk #ukbeautybloggers #ukbeautyblogger #skincareproducts #skincarejunkie #skinsta #skincareproducts #bbloggers #instaskincare #skincareobsessed #skincareobsession
{AD - Press Trip} The first night of my Visit Gran {AD - Press Trip} The first night of my Visit Gran Canaria & Jet2 influencer trip was so memorable. Had such an amazing time at Perchel Beach Club, eating the freshest, tastiest sushi and drinking pretty cocktails by the sea with 4 beautiful girls @robynpoppy @aglassofice @behindthefalselashes & @jasminecjonas 💕👯‍♀️ ☀️ 
@perchelbeachclub @jet2pics @visitgrancanaria 
#Jet2holidays #Jet2GranCanaria #GranCanaria #SoMuchToLiveFor #grancanaria #grancanarias #grancanariafoto #grancanariainfo #luxurytravel #luxurytraveller #luxurytraveler #luxurytravels #luxurytraveldaily #luxurytravelblogger #luxurytravelblog #spanishsummer #cocktailsontap #cocktailsonthebeach #cocktailtime #cocktailhour #prettycocktails #cocktailart #cocktailgram #travelinfluencer #travelinfluencers #travelbloggerlife #travelbloggervibes #ukbloggers #luxurylife #luxurylifestyles
Copyright © 2022 A Life With Frills · Theme by SheShoppes

Copyright © 2022 · Bella Banana for Genesis on Genesis Framework · WordPress · Log in

This website may use cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Cookie settingsACCEPT
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience. Read more about this site's disclosure and privacy policies here.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT