You’ve definitely heard about credit scores, the all-important number that has a profound impact on our ability to make financial decisions. Beyond just those decisions, credit scores are also used by employers, landlords and more, meaning that that little number is also your gateway (or wall)

If you have good credit, you probably don't give your credit score much thought. Everything just works, whether you want a personal, auto, or mortgage loan. But for the 22% of Americans with no credit and the 30% with bad credit, things are much different.

Here are some things you might consider before saying goodbye to 2019. 

Do you find that your money doesn’t go as far as it used to? When the end of the month is near, are you stretching your last few dollars until you reach payday? While a lot of factors play into money problems, like debt and income, one thing sure to cause financial woes is a bad budget.

Are you considering buying a car? If so, then you already know it’s important to not walk into the dealership blind.

Do you have big expenses coming around the corner, like a wedding, a home renovation, or college tuition but lack the necessary funds to pay for it? Are you in debt and struggling to keep up with high-interest payments?

The majority of millennials between the ages 25 and 34 have over $40,000 in debt. Contrary to popular belief, most of that debt doesn't' come from student loans. Credit cards, housing, and payday loans take up a huge portion of a typical millennial's wallet.  

If you’re just beginning to navigate the financial world, understanding your credit score can be confusing. Even for seasoned veterans, the details surrounding credit scores can fall into a gray area.

Congratulations! If you’re reading this article, then it means you are considering buying your first home. Pat yourself on the back. For first-time home buyers, the process is no-doubt daunting. A house is not just a home but an investment in your future.