Young ladies I would like to talk to you about the importance of good credit. I have some readers in college and when you’re in college they try to offer student loans, credit cards, etc. If you need the money to live on or for books then this is ok. I know it seems so great, a $500 limit to do whatever you please, but trust me don’t accumulate any bills right now other than for your schooling. Credit is very important in life and sometimes can be more valuable than money (cash). I purchased my first home at 22 and this was mainly on credit. Ladies keep your credit good and then skies the limit for when you’re ready for that real purchase that matters (like a house). 

P.S I’m so sad right now :(. Every year my husband and I visit Hawaii (alternating between Maui and Honolulu) for the 4th of July but we had to postpone . He will make it up to me for sure.:) The Grand Wailea Hotel is one of my favorites. See you soon Hawaii.

Happy 4th of July!