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Having a great credit score will not only save you thousands of dollars on interest over time, but it also gives you the flexibility to be creative on how you achieve your financial goals. The great news about credit is that anything you do can be undone over time, you just have to commit the time and energy to fix it.

If you have gotten into trouble with credit or you are still working on building your credit profile for a buying a home or purchasing a car, here are the top 10 ways to improve your credit score.

1. Pay your bills on time

This sounds like a really basic tip, however, it's one of the most important you can follow to maintain a strong credit score. On-time payments is one of the first things lenders look at when determining if they should lend you more money. If your record shows that you are good and consistent at making payments, then lenders are more likely to provide more. Delinquent payments and collections will always have a negative impact on your credit score.

2. Keep an eye on your credit utilization

Credit utilization is the amount of debt you have on your card over your available credit. If you have a card with a $1,000 credit limit, and you have $300 on the card, then your utilization rate is 30%. It is tempting to spend all of the credit you are allowed, but, just because a lender says you can borrow up to $1,000, does not mean that they actually want you to do so. Instead, you should keep your utilization rates between 30% and 50% as a general rule of thumb.

3. Apply for more credit

If you have a number of lenders willing to offer you credit, then chances are, you're a good bet for other lenders. Even if you don't need the credit, it can help your score and your overall utilization rate as other cards will increase your total credit available.

4. Diversify your types of credit

I met with a client recently who had no debt, no car payment and no mortgage and when we pulled her credit score, we were shocked that it was not higher. This client was penalized for only having one source of credit, which were her credit cards. Mortgages, car loans or home equity loans could help you diversify your types of credit.

5. Keep cards open

It is tempting to close cards that you are not using; however, those cards are actually quietly helping you improve your credit. If you are not using the card, then your utilization will be 0%, which is a great number. In addition, the card helps maintain your credit history, which is another component of your credit score. I had a client recently close an old account of hers and her score dropped over 50 points because her credit history was shortened based on the closing of the older account.

6. Check your score frequently

You can get your full credit report every year for free, however, there are other free sites you can check to get a good indication of your score, including outstanding accounts throughout the year. I like using Credit Karma, but Credit Sesame or Credit.com also provide free tools.

When you regularly monitor your score, you want to make sure that you are familiar with all of the accounts that are listed under your social security number. This is especially important for student loan monitoring as you can have more than 10 loans reported under your social security number, and if you lost track of any of those and missed payments, that would have a dramatic impact on your score.

7. Avoid store cards if possible

I believe that store credit cards, like those for Macys or J.Crew or Kohls are some of the worst cards you can apply for. They typically do not offer high credit limits, which don't help your overall credit available, but more importantly, it tells a lender that you like to shop because the only location you can utilize the card is in the retail store. You can't use the card for food or fuel.

Store cards also entice you to overspend because they typically offer 10% off entire purchases at the time of opening, which makes you feel as though you are getting a deal, but you should probably not spend the money anyway, which now makes the purchase 90% expensive.

8. Consider a secured card

If you have had credit troubles in the past and need to rebuild your credit, a secured credit card is a great way to get back on track, especially if the card provider allows you to convert to an unsecured card after a period of time. I consider the secured card like the learner's permit of the credit card world.

If you can prove that you are responsible and follow the rules of proper credit management, then one day you will be allowed to manage your account on your own without a cash secured safety net.

9. Apply for credit as soon as possible

Your credit history is an important part of your overall credit score so the sooner you apply for cards, the better. I opened my first card when I was a freshman in college so lenders can see that I have been a responsible user for almost two decades now. The sooner you start building your history, the faster your credit score will improve.

10.  Hide your card

At the end of the day, if you're struggling with maintaining good credit practices, don't be afraid to hide your credit card and pretend as though it doesn't exist. This will prevent you from increasing your credit utilization, and it will force you to focus on your spending as you will have to convert to a cash diet.

When I see clients start to get into credit card troubles, we discuss implementing this strategy. Sometimes the best bet to improve your credit is to not use it at all.

Originally posted on Financial Gym.

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Before I had a baby, postpartum depression (PPD) was something I only heard about on the fringes of motherhood. It would occasionally get brought up among mom friends, but only in the tightest of circles and usually in whispered tones conveying depths of shame I couldn't quite understand.

Every so often, I would see a magazine article citing women who admitted (again, in voices heavy with shame) that they didn't immediately bond with their baby. That they felt soul-crushing sadness after giving birth. That they felt wholly unable to mother properly.

When PPD was mentioned (which wasn't often), it always seemed to follow the same formula: a lack of bonding with the baby, followed by extreme sadness that could last for months―or even years after birth. And long before I ever had a baby, it was clear to me that the majority of women I knew who suffered didn't want anyone to know about it.

Years later, and with two births under my belt, I'm grateful to say that I've seen some things change. Slowly, but with increasing pace, I see more and more parenting communities shaking off the stigma of PPD. I see more and more women breaking the silence and coming forward with stories of their own. I see more and more compassion for the one in every seven moms who experience postpartum depression each year—that's over 500,000 mamas.

And, even more surprisingly, I see a greater understanding of just how varied the symptoms of postpartum depression and anxiety can be. Because, the fact is, PPD rarely looks the same for any mama―and it can be especially hard to explain feelings that feel unique to you. The experts at Allegheny Health Network get it. They've made it their mission to not only bring more understanding to postpartum mood disorders, but also to help every mom break their silence and remove the stigma of postpartum depression and anxiety.

Here's what some of the women they've worked with want you to know.

When I say "I'm feeling lonely," what I mean is... I feel alone in my suffering.

The trickiest part of PPD? You probably look exactly the same on the outside. In many cases, women continue to power through their daily routines so it can be easy to miss their suffering. "You feel like you're drowning," says Heather, a PPD survivor and an Allegheny Health Network patient. "[But] physically looking at me or at anyone that suffers from something like this, you can't see it. That's what makes it so difficult."

How to help: If you know a new mama, don't assume she's doing okay just because her life isn't obviously going up in flames. Check in. Ask about her health, not just her baby's. And let her know you're a judgment-free place to share.

When I say "I'm not feeling how I thought I would," what I mean is... motherhood isn't bringing me joy.

As moms, we're expected to feel an almost blissful happiness every second of pregnancy and motherhood. But for many women, that happiness seems to evade them―and it often doesn't come the moment they're handed their new baby―leading them to feel like they're already failing as a mother. "I felt so guilty because, here I am, I have this new, adorable baby who doesn't cry and is fantastic," says Ashleigh, a PPD survivor and Allegheny Health Network patient. "I didn't want to seem ungrateful."

How to help: Many mothers with PPD feel guilty for it. One of the best ways to lessen the load? Sharing your own story. It's normal not to immediately connect with your baby (you did just meet them, after all!), and the more stories we hear of strong connections that took a bit of time, the easier it will be for new moms to talk about it.

When I say "I don't feel like myself," what I mean is... I'm getting overwhelmed with anxiety and/or anger.

Sadness is just one of the possible symptoms of PPD. For many women, the condition manifests itself as extreme anxiety, OCD (especially worrying about bad things happening to their babies), and even rage. "Before I personally experienced postpartum depression, I thought, that's only for people that feel like harming themselves or harming their children," Heather says. But the truth is, PPD can look different for everyone―and it can affect anyone. "I never thought that I personally would have postpartum depression because I like to laugh and make jokes about everything," Ashleigh says.

How to help: Postpartum depression and anxiety doesn't discriminate―anyone can be affected. Look for signs that your new mama pal is feeling out of sorts. She might say she lost her temper or that she feels extra frazzled, not necessarily that she's feeling sad, but these can still be symptoms of a greater issue. You can have a more objective view of her feelings even when she can't.

When I say "I don't know how I feel," what I mean is…we still have a lot to learn.

So many symptoms of PPD are similar to general depression and anxiety, it can be scary for a new mom who isn't sure what's wrong with her. "I didn't know how to distinguish from it being...depression or anxiety versus it just being motherhood. I think part of the cure was just discovering that I had postpartum," says Chrissy Teigen, who is Allegheny Health Network's partner. "It was just such a sigh of relief that we can fix this."

How to help: Remember that you don't need to fix her symptoms―you just need to be there when she needs you. Be a listening ear, and remind her that there's no shame in needing help.

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When you're pregnant there are so many medical appointments, and many moms look forward to each one. We want to know what is going on with our bodies and our babies. But once the babies are born, many moms aren't able to keep their own medical appointments and experts are worried.

New moms are missing key appointments in the critical fourth trimester, or the first three months postpartum, according to a new study from Orlando Health.

Nearly a quarter of new mothers surveyed admitted that they did not have a plan to manage their own health in the first weeks and months postpartum. The numbers are alarming as nearly half of new moms have admitted to feeling their most overwhelmed, anxious and depressed during that time period.

Worse, the incredibly stressful first few days and weeks of their baby's life is the time when many mothers have admitted to feeling the least supported by their doctors. According to a survey from Healthy Women and 2020 Mom, nearly 30% of women have felt "no support" from their health care provider. This even as the American College of Obstetricians and Gynecologists (ACOG) has recently adjusted their guidelines to suggest that women see their doctors within the first three weeks after birth, rather than the traditionally recommended six weeks.

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"Seeing your doctor within a few weeks of delivery and sharing any concerns is critical to getting the care and treatment you need," Megan Gray, MD, an OB/GYN at Orlando Health Winnie Palmer Hospital for Women & Babies, told Orlando Health. "The fourth trimester can be difficult and overwhelming for women as their bodies go through physical and emotional changes, and this time deserves the same support and attention as the first three trimesters," Gray said.

Yet, with many women going back to work at six weeks postpartum, up to 40% of moms are missing that first appointment entirely. For most mothers, that represents a rapid and drastic shift in their approach to maternal health care, as prenatal care is full of regularly-scheduled appointments and check-ups. Given that the US remains the most dangerous industrialized country to give birth in, the statistics can't be ignored. As the survey notes, it is impossible for mothers to take care of their babies without taking care of their own health as well.

Still, the onus shouldn't be placed solely on new mothers, who are already riddled with exhaustion and anxiety. With doctors and employers failing to support them, it's hardly surprising that they are struggling to keep up with their appointments or feeling comfortable enough with their doctors to open up about their physical and emotional changes.

In fact, a recent study from Maven reported that as many as 54% of new moms were never even screened for mental health concerns during their pre and postpartum care. Of those who did raise concerns, nearly 30% were not given concrete steps to get treatment.

All of this contributes to the cycle of shame that leads to nearly 60% of new moms experiencing depression and anxiety in silos, only furthering their feelings of extreme isolation. "I thought everything would come more naturally, but it was so much harder than I expected," one mama, Rachel Kobb, told Orlando Health. "Women have been raising babies forever, and I felt selfish for feeling like I couldn't handle it," she said. "I felt very lonely, but I didn't know how to ask for help," she added.

Still, there is hope for new moms, even during those incredibly difficult early months. Medical professionals like Gray and the ACOG are continuing to push for proper training for doctors, midwives and doulas to help new mothers cope with the emotional demands of motherhood, in addition to improved programs for mothers like lowering costs for mental health care and urging companies to provide paid maternity leave for at least the first half of the fourth trimester.

Moreover, simply reminding women that they're not alone is a critically important shift in how society treats new moms who are struggling emotionally.

"There is no perfect mom out there," Gray noted. "Taking some of that pressure off yourself will help you be the best mom you can be and help you better experience the many joys of motherhood."

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The phrase "women can have it all" has always left a sour taste in my mouth. Sure, our options for fulfillment extend beyond the home. But between wage gaps, the astronomical cost of childcare, student loans and ever-rising living costs coupled with shrinking wages, can we have it all?

Some women know their calling is at home with their babies and they make it work. They budget like it's an Olympic sport and find resourceful ways to save money. Many women are single mothers and are the sole earners in their homes. Every household has different needs and we absolutely deserve to choose whatever best fits our lifestyle.

Whatever that fit may be, it never encompasses "all."

I knew from a young age that I loved babies and wanted a family of my own, but that vision always included me working. Maybe it was the 90's TV boom of Ally McBeal and Detective Olivia Benson but I knew I wanted a career. I wanted a purpose that contributed to the world outside of my home. I knew I wanted a degree or two, maybe three. The fact that I made up my mind so early and never wavered, made me sure that "mom guilt" was something that other women felt; women who maybe felt the pull to be home but other circumstances were in their way.

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Mom guilt wouldn't hit me, I'd be immune, I thought.

Fast forward to the first month I went back to work from maternity leave. I ugly cried on my way into the office so frequently that I kept makeup in my car so I could fix it before going inside.

I'd dive headfirst into work until I had to pause to pump. Work, pump, work, pump, shove in some lunch at my desk at some point and sprint out the door to get my baby. I was productive but distracted. When I was at work, I wanted to be home. When I was home, I thought about the possible mistakes I had made at work.

I was in a job that was full of stress, last minute late nights, terrible pay and no appreciation. But from the standpoint of working and having a family, I had both. I had it "all."

Some days, I felt as though I was maybe just ungrateful for all the responsibilities I had to juggle. I blamed my attitude.

Facing my unhappiness at work and the baggage I brought home to my daughter and husband weighed on me. Then, six months postpartum, I lost my dad. I packed up that baby and flew home to say goodbye.

At the visitation, his colleagues shared many memorable stories, but the ones that kept coming up were his dedication to his wife and six children. They were memories of my sisters and I hanging out in his office, coloring while our mom worked. In fact, one of my masterpieces, a mosaic Great Dane, still hangs in my dad's old office window on Court Street because the owner of the building watched us grow up and didn't have the heart to take it down when he retired.

Dad was an attorney who nearly always made it home by 5:30, something unheard of in the world of owning your own practice. He didn't live to work; he worked to live.

I realized that when I leave this world, I don't want anyone to tell my children stories about how hard I worked. I wanted them to tell my children stories about how much I loved them and that they always came first. I had to make a change.

The right doors opened in the next month and I eagerly took on an entire career change (not something I necessarily recommend with a 7-month-old, but we made it work). I closed the doors of childhood ambitions that didn't match with the type of mother I wanted to be. It wasn't sad, it was liberating.

My new job included work from home days and a team of women, mostly moms, who value hard work and success but prioritize family and their roles as mothers. That attitude starts at the top of the company and trickles down. It was a breath of fresh air after seven months of feeling like I was suffocating.

Despite these life changes, I still don't have it "all." What I do have is realistic expectations for what I can accomplish in a day.

I have a house that looks like it's been ransacked Monday through Friday. I have a sink full of dishes.

I have a car littered with smashed cheddar frogs and peanut butter smears. I have a bedroom containing endless laundry baskets of clean clothes that get folded and put away maybe once a month.

I have a supportive partner whom I madly love and helps me rage clean all of the above when we can't take it anymore. I have a happy, healthy daughter who couldn't care less about dishes, laundry and dog hairballs.

I have a job that contributes to the betterment of humanity and a team who makes office days a joy.

I have women in my ear sharing their disdain for me working out of the home, but I also have women in my ear championing me as a mother, wife, homemaker, and career woman.

Maybe the answer to finding that peace was leaving a toxic job. Or maybe it was found in losing my dad and having my daughter in the same six months. Perhaps it was the priority shift that followed those changes. It could have been extending the same grace to myself that I so willingly give to those I love. Whatever it was, I'm grateful to have found it so I can enjoy living in our good old days, today. I don't have it all, but I really love everything I have.

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It's been more than a year since Khloé Kardashian welcomed her daughter True Thompson into the world, and like a lot of new moms, Khloé didn't just learn how to to be a mom this year, she also learned how to co-parent with someone who is no longer her partner. According to the Pew Research Center, co-parenting and the likelihood that a child will spend part of their childhood living with just one parent is on the rise.

There was a ton of media attention on Khloé's relationship with True's father Tristan Thompson in her early days of motherhood, and in a new interview on the podcast "Divorce Sucks!," Khloé explained that co-parenting with someone you have a complicated relationship with isn't always easy, but when she looks at True she knows it's worth it.

"For me, Tristan and I broke up not too long ago so it's really raw," Khloé tells divorce attorney Laura Wasser on the podcast. She explains that even though it does "suck" at times, she's committed to having a good relationship with her ex because she doesn't want True to pick up on any negative energy, even at her young age.

That's why she invited Tristan to True's recent first birthday bash, even though she knew True wouldn't remember that party. "I know she's going to want to look back at all of her childhood memories like we all do," Khloé explained. "I know her dad is a great person, and I know how much he loves her and cares about her, so I want him to be there."

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We totally get why being around Tristan is hard for Khloé, but it sounds like she's approaching co-parenting with a positive attitude that will benefit True in the long run. Studies have found that shared parenting is good for kids and that former couples who have "ongoing personal and emotional involvement with their former spouse" are more likely to rate their co-parenting relationship positively.

Khloé says her relationship with Tristan right now is "civilized," and hopefully it can get even better with time. As Suzanne Hayes noted in her six guiding principles for a co-parenting relationship, there's no magic bullet for moving past the painful feelings that come when a relationship ends and into a healthy co-parenting relationship, but treating your ex with respect and (non-romantic) love is a good place to start. Hayes describes it as "human-to-human, parent-to-parent, we-share-amazing-children-and-always-will love."

It's a great place to start, and it sounds like Khloé has already figured that out.

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