Yeah @Yeni-Neo It’s been a journey, but a really good one!
One Practical Tip: Set attainable goals (treat yourself when you reach them)
What I mean by that:
Credit Card? Pay off each purchase the same day (or within a few days). This keeps your utilization low and builds the habit.
Utility bills? Get them in your name and set up pre-authorized debit. Consistent, on-time payments build your payment history.
Once you hit those goals and feel confident, celebrate + level up with new ones. Want to learn more? I wrote up what wasn’t working for me before vs. what’s working now 