money money

Everyone tells me that I need to write about $ management and how to improve one's Fico scores and save act. Over the years I have helped many so I will try to regularly write about Fico scores, saving accounts etc etc.

Some personal info: my median Fico is 813, my lowest is 809 and my highest is 815, I am very proud of theses scores, they were not achieved with high income but with being financially responsible!

Saving info: we have about 40k in a 401k acct and around 18k in saving accounts. We are for the most part credit card debt free(aside from occasional usage that we pay off as soon as we can) we have one car loan(half way paid after 17 month and its a 5 year loan, we did it by paying extra every time, my b-day money even became a payment...no kidding)

we rent our house by choice, we plan on moving out of ca in the next 2 years 

well I am going to plan my future posts so they will make sense to outside readers, I promise