Happy Monday! 
It’s been a while since we chatted about credit, so let’s kick off the week by clearing up a big myth.
A lot of people think you need to spend big or carry a high balance to build a strong credit score. But credit bureaus aren’t focused on how much you spend, they’re focused on how you manage repayment.
Whether it’s a $5 subscription or a $500 purchase, what really matters is consistency: paying on time and paying in full whenever you can. That steady behaviour is what actually helps build a healthy credit profile over time.
You don’t need to overextend yourself to build credit, you just need to be reliable with what you already use.
What’s one small monthly expense you’ve used to help build your credit habits? 