GET YOUR CREDIT AND DEBT IN ORDER. Order your credit report free from sites like AnnualCreditReport.com or see whether you qualify to get a free report any time of the year. Be sure all information is accurate and begin steps to resolve any debts you may have. Also, pay close attention to your taxes and prepare early for filing. Make sure you know your net worth and where you could improve or expand. Not only does this help you financially in the long run, but improving your credit can mean lightening the financial burden for a spouse or loved one who might be held responsible for the debt, depending on the state laws and circumstances.
Janell Hazelwood
Janell Hazelwood is associate managing editor at Black Enterprise, managing content across core areas of Money, Career, Small Business and Technology. She is also a featured blogger with My Two Cents, providing insights on branding, millennial career development, employment trends and leadership. She was previously a content producer and copy editor for Black Enterprise magazine, working across several editorial sections. The Hampton University graduate got her start in the newspaper industry, having worked for companies including The New York Times and Scripps Howard News Service. Her works and insights have appeared on The Huffington Post, MadameNoire, E!Online, Brazen Careerist, CBS News, and Arise TV.
