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It will take some planning but you can increase your spouse’s credit score

Freedom Debt Relief

Buying your first home can be an exciting time for a new couple. But those hopes can be dashed when your spouse’s poor credit comes roaring out of no where, according to Freedom Debt Relief.

All is not lost but it will take some planning to increase your spouse’s credit score.

After all, this is not just your house, it’s also for your spouse. You’re buying the home jointly. But how do you buy a home jointly when your spouse’s poor credit will get an immediate denial on the mortgage?

Quick Fixes With Credit Report Errors

Getting a copy of your spouse’s credit report and going through it might yield some low hanging fruit. If you find any errors, report them to the credit bureau where you got the report. They might ask for some documentation to back up your claim.

Depending on the severity of the error, it can mean a double digit boost in your credit score.

Keep An Eye On Credit Utilization

There’s a general guideline in the personal finance community that no more than 30% of any credit card limit should be utilized. This is definitely not a hard and fast number. It can vary. But the general consensus based on anecdotal evidence seems to settle on 30%.

What exactly does 30% credit card utilization mean? If your credit card limit is $1000, you don’t want to have a balance of more than $300 (300/1000 = 30%).

The 30% rule also comes into play with overall credit card utilization. If you have three credit cards with a $1000 balance each, that’s a total of $3000 of credit. Note this is different from available credit. That will depend on the balance each card is carrying.

If each of those three credit cards has a balance of $300 for a total of $900, you are still only utilizing 30% of your total credit cards’ limit. If the balances are instead $0, $100, $800, that is still $900 and 30% utilization.

However, if you have balances of $200, $300, and $600, that’s a total of $1100, or 1100/3000 = 36.7% utilization. This pushes you over the 30% rule and will likely have a negative effect on your credit.

If You Have No Credit History, Build One

Your spouse might not yet have a credit history, in which case their credit score can be low. Their score can be increased by building their credit history. Within only one year, you can see some great results. Below are a few ways to build credit history from scratch.

Use Secured Credit Cards: A secured credit card is not the same as a common credit card. Secured cards require a deposit to use. But almost anyone can open an account. The benefit for building a credit history is that payments are reported to credit bureaus.

Add Your Spouse To Your Credit Card: You can add your spouse as an authorized user to your credit card. Be sure the credit card company will report her payments to credit bureaus, which will help in building your spouse’s credit history.

Debt can seem like a pesky gnat in the beginning. But before you know it, it’s grown into a oversized animal that you can no longer control. Freedom Debt Relief can help get your debt back down to a manageable level.

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Make Christmas decorations instead

Credit: New York City Files, YouTube

Christmas is full of magic and there’s nothing more magical than turning rubbish clearance into beautiful Christmas decorations that can be used for years, even decades, all while keeping rubbish out of the landfill and the Christmas spirit close to heart.

It would be a nice Christmas gift for Clearabee and all of Clearabee’s employees if you would be so kind as to send pictures of your creations to Clearabee’s Facebook page.

While you’re drinking hot chocolate, and stirring it with a candy cane stick, you can ponder the ideas below to get your creative juices flowing. Then, after you get your Christmas sugar rush, we suggest you put on your Christmas Elf Hat and get to work!

Unique Rubbish Garland

If you’ve ever strung popcorn for the tree, you’ll know how simple it is to make garland. Every year, many families get dozens of Christmas cards. They display them for the season and then bin them in their rubbish clearance after the holiday is over. Rescue those Christmas cards and string them together to make a Christmasy garland for your tree or to swag across your doorways or high on your walls. You can leave the cards intact or have a family project of cutting out the best parts of the cards before you string them together. You could also use a cookie cutter to trace out Christmas shapes on top of decorated cards, such as stars or gingerbread men. Then, you can string these cut-outs to make a very unique Christmasy garland.

You can use certain types of rubbish clearance to make garland that looks like old-fashioned popcorn garland.

Here’s the idea above in reverse, so to speak. If you do any ordering online, no doubt you’ve gotten packages filled with white “peanuts.” If not, you can try looking through the rubbish clearance bins at office buildings to find some. Squish these a bit and they look a lot like popcorn!

You can also find other items in rubbish clearance bins that can be made to look at lot like cranberries or gumdrops, two more classic garland items that are often alternated between the popcorn to give it a colorful festive feel! For example, the green, red, and orange styrofoam that is often used to hold dried bouquets together (or at the bottom of some Easter baskets) can be cut to look like colorful gumdrops! If you can’t find this, you can always wad up crinkled paper to make colorful balls to string between your peanut packaging material “popcorn!”

Use Old Christmas Wrapping Paper Or Christmas Packaging For Origami

If you receive a gift before Christmas, don’t throw away the gift wrapping. Save it and make Christmas origami out of it. You can do the same with the Christmas packaging found on so many items around the holidays that is often binned and headed to the landfill!

An origami crane turns into an origami Christmas crane if you use Christmas paper to make it!

Make eight of these origami Christmas cranes and then dig some pencils or other balancing objects out of the rubbish clearance bin to make a unique origami Christmas crane mobile for a kid’s room or to hang in your office. To learn how to make origami, turn to YouTube, as you’ll not only be able to read the instructions, you can actually watch exactly how they crease the paper and how they fold it.

An origami rose turns into an origami Christmas rose, which you could then turn into a bouquet of origami Christmas roses! Salvage something out of the rubbish clearance bin to serve as a vase (or you can decorate it into a vase) and put your bouquet of Christmas origami roses in it for a Christmas gift straight from the heart that will be treasured for years by the recipient! Do you know someone who collects frogs, pigs, or cats? Learn how to make an origami frog, pig, or cat. Then use Christmas packaging to fold one. Now, you have the perfect Christmas gift for your collector! One they’ll treasure forever.

Let the Shape Speak Christmas To You

Many wood carvers say they let the wood “speak” to them and lead them to what they carve. They may see an owl in one branch and a rabbit in another. You can do the same with plastic containers or other items rescued from a rubbish clearance bin. Some people may automatically see a rotund happy snowman in the distinctive shape of a Pom pomegranate juice bottle!

Others may see the shape of an angel in a Dawn dish washing liquid bottle!

Disposable coffee creamer containers look a lot like little Christmas bells when turned upside down, perfectly sized for decorating a miniature Christmas tree!

Around Christmas, every time you spy a rubbish clearance bin, you should be looking for junk shaped like an isosceles triangle or a cone! Large or small, you can easily turn items shaped like these into a Christmas tree decoration! You’ll just need to “spruce” it up some… pun intended folks… Merry Christmas!

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Contrary to popular belief, varicose veins aren't always visible

Credit; Metro Vein Centers

Leg cramps are a common sign that you have may have venous insufficiency, i.e. varicose veins. The only way to know for sure is to go to a professional varicose vein treatment center and get a duplex ultrasound performed on your legs.

A duplex ultrasound will allow you and the doctor performing the test to view the blood flow inside the veins in your leg.

This test will also let you and your doctor take a close three-dimensional look at the inner portions of your leg veins to look for abnormalities, such as dysfunctioning vein valves and blood clots forming on the inner walls of your leg veins. It can be a little “spooky” to have such a good look inside your own body but most people find it fascinating nonetheless.

Varicose veins can cause leg cramps with no visible signs of varicose veins.

Some people don’t seek varicose vein treatment, or even realize they have varicose veins, because they don’t actually see the hallmark sign of blue or red twisted veins just under the surface of their skin. This problem arises from the fact that many varicose veins cannot be seen from the surface of the skin. Varicosity can occur in deeper veins and often do. It’s also true that if you see just a few minor signs of varicose veins at the surface of the skin, you may actually have a much more severe varicose vein problem deep down in your legs.

We need to educate people more about the other signs of varicose veins than actually seeing them at the surface of the skin. Leg cramps is one of the main symptoms of varicose veins. The symptom of “leg cramps” can actually be expressed in a variety of ways.

You may have a feeling of “heavy legs.” You may experience “restless leg syndrome” in the middle of the night.

Your legs may ache for no obvious reason, such as over exercising. You may just be sitting at your desk in the middle of the day and find your legs staring to ache. Your legs may also swell and or throb to the point they hurt and cramp. The only way to know for sure if any of theses symptoms related to leg cramps are indicative of varicose veins is to go to a varicose vein treatment and get a duplex ultrasound test that will give you the inside 3D picture of what is happening when you have leg cramps.

Leg cramps can be caused by several underlying conditions.

There are many causes for leg cramps, whether they be persistent aches or sudden “Charley horses” in the middle of the night. For example, people who don’t drink enough fluids, and or who perspire a lot, may become dehydrated and this often causes leg cramps.

Deficiency in minerals like calcium, potassium, and magnesium can also cause varying degrees of leg cramps.

Intense physical exertion, like over exercising a long time on a treadmill or doing strenuous yard work in the hot summer sun can cause leg cramps, even days after you expend this extra energy and labor.

Certain medical conditions, other than varicose veins, such as diabetic nerve disease, other forms of peripheral neuropathy, osteoarthritis, heart disease, thyroid disease, and peripheral artery disease due to high cholesterol can also cause leg cramps. The only way to know for sure if varicose veins are the cause of your leg cramps is to go to a varicose vein treatment center and ask them to do a duplex ultrasound scan of your legs. Please note too that the causes of arterial disease are not the same as venous disease, even though both involve blood vessels.

Visit Metro Vein Centers for a free evaluation.

Metro Vein Centers is one of the best known and well respected varicose vein treatment centers in the United States. They have several locations spread across several states. Some people actually make plans to go out of state to visit one when they want the best varicose vein treatment possible.

It’s worth going a bit out of your way to go to one of the Metro Vein Centers because they are all staffed with highly experienced vein doctors who specialize in this one area of medicine. If you think you might need varicose vein treatment, it’s important to get highly specialized treatment in this area and not just depend on the advice of a doctor who may not deal with many cases of varicose veins each year and who may not be up on all the latest procedures available.

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