I am considering trying to open a secure credit with Discover in the amount of $500. It has 2% cash back on gas and restaurants up to $1000 every quarter. I’m mostly planning on using it for gas. It would help with my credit and boosting my score just under 650. I also opened a capitol one 360 checking acct and 1 savings for my emergency fund. Plan to add my sinking funds after that and just use the checking account for spending out of those savings. EF will be fully funded by the end of the month here I come baby step #2 and my main focus is my car note then use that $260 payment to pay off all my consumer debt that has been charged off. After that I want to focus on saving for a house and use that same $260 payment to tackle my dreadful student loans How does that sound ? Penny for your thoughts !
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