How to Build Your Credit

I posted something on my instastory a few weeks ago about accomplishing another goal of mine. My goal was to get my credit score above 800. I had a few people reach out to me after my post asking how I did it and how to build theirs. Let me just say I was hesitant to make this post because I thought people would think I was bragging, but a good friend of mine gave me the push that I needed and if you don’t like it, leave.

When I first started trying to build my credit I was so confused on how to build it or why I had to put myself into debt to build it. Not everyone has parents who help teach them & we all know the school systems failed us in real world skills so hopefully this helps & let me remind you I’m not an expert. I started by getting a small car loan. If you are paying your parents and the loan is in their name, GET IT IN YOUR NAME! Get on your own insurance. Get on your own phone plan. Start making your own monthly payments. Taking on debt and slowly making your monthly payments proves that you are capable of paying someone back. We start small and next time you will qualify for more. Opening my first credit cards was the next step.

BEFORE YOU DO THIS :

  • Research to find the best card(s) for you. Ones that you can keep long term because closing accounts is not a good thing.
    • For me I found a card that has really good cash back benefits but a higher interest rate because I never carry a balance on this card which means that I buy all my regular stuff that I would use my debit card for but I just pay it off each month so I get the cash back rewards but never interest.
    • I also have a really low interest not really any benefits card that I use for emergencies or larger things I might not be able to pay right away.
    • Another card that works great for me is the best buy card, I love it because they have deals where you have no interest for 2 years or 1 year different things like that. I purchased my camera on it and re-calculated what my payments needed to be to pay it off before I started getting interest charged.
  • Set boundaries for yourself. Do not let yourself go past the limits you set for yourself & keep a level head because it’s not free money you have to pay it back. Trust me when I say I learned from watching other people’s mistakes & its not fun to dig yourself out of a financial mess.

OTHER TIPS

  1. Always make your payments on time. Set up bill pay. Set phone reminders. Automatic payments are amazing. Whatever you need to do.
  2. There is an ebb and flow when it comes to building credit which means your credit score will go down when you open a new credit card or when you get a new car loan but on the back end of things when you’re paying it back it will grow your credit far beyond where it was prior.

My last and final tip….

DOWNLOAD THE CREDIT KARMA APP

It will assess your situation and give you tons of stats based off of your current situation it looks at your total number of accounts, credit history, credit card utilization, payment history etc. If you’re not sure where to start with looking at cards, it will have suggestions for you & other things you can do to improve your credit. They make everything super easy to understand & color coordinate from Red on the bad end to orange, yellow, light green to dark green which is good. Shout out to credit karma for helping me reach my goals!!

*I decided to add one section explaining why building your credit is important especially when you’re young. INTEREST RATES. Being 21 I think a lot of people are surprised by the car I drive but for me it’s a super easy payment to make and one of the things that plays into it is that I qualified for the lowest interest rate they even make for car loans. Another benefit is being financially set up for those of you who want to get married or start a family one day. I have a high enough credit score I could buy a house when that time comes. I promise it will pay off and save you money by building your credit!!

Xx, Kennah

15 facts about me!

My stats tell me everyday that more and more people read my blog, but I feel like many of you probably don’t know much of anything about me so I’ve made this post with 10 facts about me so you can get to know me personally better & we can connect more!

1. I have been on fire before (like legitimately).

It was my 8th birthday, picture tiny little Kennah leaning over to blow out her birthday candles and my hair catches on fire. TERRIFYING.

2. I hattteee milk & I’m the pickiest eater.

3. In pre-school for Halloween I was scooby-doo.

4. I got lost at the state fair.

Story time again. If you’ve ever been to the state fair you know its pretty big especially being a little kid. I was mesmerized by a wood carving station and I turned around and no one was in sight. My mom swears she was right there across the street in another store, but no she wasn’t. I immediately went into panic mode and thought I would get left behind never to see my family again. I found my way back to the car and sat there crying while watching fireworks for an hour while my family was inside searching for me. I finally saw my dad running out to me crying his eyes out and he picked me up and my sassy self was mad at everyone for leaving me.

5. I have a BIG family. 11 siblings. 4 parents. 8 grandparents.

6. I actually enjoy working out. It might sound crazy to some of you, but it took me a long time to get here!

7. I’ve struggled with anxiety pretty much my whole life. You can read more about it here on the post I made specifically sharing my story.

8. I have the biggest sweet tooth. Controlling it is SO HARD.

9. I’m afraid of deep open water.

10. My sisters and I LOVE scary movies & anything to do with creepy stuff or serial killers.

11. I competed in Miss Teen Utah at 17 & placed in the top 10. This is probably something I am most proud of because I had absolutely no idea what I was doing. No coach. No stylist. No make-up artist. No mommy & daddy to pay for everything. All while still going to school.

A lot of people have asked me when I’m doing Miss Utah and I always thought I would go back but I’m not sure if I will. I still think about it, but my goals have shifted a little bit.

12. I worked at Chick-Fil-A. First job and seriously the best job. It was so much fun even though I came home every night smelling like chicken.

13. I’ve had a blood transfusion.

14. My mind is 90% song lyrics. Ask me to rap for you next time we hangout.

15. I’m such a dreamer. I still believe there’s a chance my long lost grandma will show up and tell me I’m princess of Genovia.

Hopefully this helps you to get to know me a little bit better. I don’t want anything to come across over social media that I don’t have problems or struggles because I definitely do.

Xx, Kennah

Monthly Update !!

When I first started this series of monthly updates, I didn’t know it would end up being one of my favorite things to write. I love being able to share and talk about all the things I’ve been using from apps to websites and products and music. It also gives me an excuse to try tons of new things. Last month I recommended the Oprah’s SuperSoul Conversation and I’ve still been listening to it this month. I listen in the mornings and it really helps me start my day with a positive attitude and a humble heart. Cannot recommend it enough. Plus its Oprah, who doesn’t love her??

Apps :
  • Kourt App from Kourtney Kardashian. (You probably hate the Kardashians but their beauty and health knowledge is unmatched).
  • My Water App. (It reminds you to drink water throughout the day, you input your information and it tells you how much water you should be drinking but I actually upped mine to be 80 oz a day).
On my playlist :

Earned It – Bootstaps (A nostalgic version of the 50 Shades of Grey hit).

Delicate – Taylor Swift (Not sure how it’s taken me this long to find this song but the album is soo good).

Electric Love – BORNS

Whole Lot in Love – Austin Burke

Also been listening to a whoooleeee lot of JT since his concert.

Say Something – JT

Supplies – JT

Summer Love – JT

Things I’m Loving :
  1. My new favorite exfoliating face wash. It helps me control my oil and makes my skin super soft!!
  2. This facial spray with aloe, herb and rosewater is a great mid-day refresher. I also use it in my hair on day 2 and 3 when it needs a little extra love. I bought it s month ago and it’s already half gone.
  3. I caved and bought Anastasia Beverly Hills new Amrezy Highlighter. I swatched it on my hand in the store and fell in love instantly. It actually looks wet and dewy.
  4. I have been looking for the perfect white ruffle sleeve top and I think I have found it.
  5. Loving cropped skinny jeans right now & I’m stocking up for summer. These Vervet Destroyed skinny jeans are in my cart and ready for checkout. These Distressed Hem skinny jeans are out of stock in my size, but I’ll be back for them.
  6. Just bought this mini black denim skirt. I paired mine with a cream sweater and a gold belt and got so many compliments. Would also look adorable with this button up.
  7. I’ve been doing a ton of health and wellness research because I’ve been sick a lot this winter. I found these wellness shots at target and found them online as well. They’re blue green algae wellness shots, blue green algae is a superfood packed with proteins, vitamins and nutrients.
  8. White PEACHY Tee. Only $23 and it looks so soft and comfy, I need it.
  9. Newport front tie top that I’m on the email list for because its out of stock in my size, but I am 100% buying this for Seattle.
  10. Been needing a new pair of athletic shoes and I found these alpha bounce adidas also love these adidas Originals Deerupt Sneakers.
  11. I’ve been redoing my closet (which i will make a separate post about) but one thing I bought is this red Levi’s Tee.
  12. I posted about this lip mask last month because I had just got it but my updates is… it’s amazing. As good as everyone’s been saying. After having it on I can’t stop rubbing my lips together because of how soft they are.
Favorite Shops to Spend time on :

World Market – I love to go into this store as well they have the best furniture and I got the best smelling body scrub from Huntington Soap Co.

LA Hearts Swimwear – I spend a ridiculous amount of time looking for swimsuits for summer body inspiration.

Thrillest – Has the best travel guides, I have been using it to look up yummy places for my upcoming trip with my sister to Seattle.

ASOS – Again been redoing my closet and some of it has been from this shop! They have EVERYTHING.

Xx, Kennah

Learning to say No.

No. It’s just a word, but why is it that we are so afraid to say it? Whether it’s psychological or the fact of being a people pleaser like me it’s easier to say yes and make everyone happy which only leads to you being unhappy because now you have to do something you don’t want to do.

Saying yes to too many things is counter productive because once our plates become too full, things start to slip. Building fences to help us feel comfortable saying no is a good thing and something that will help you to be successful.

Things you should say yes to : things that make you happy or you enjoy, that advance your career path, and that won’t distract us from reaching our goals.

Here are some things to keep in mind when you’re considering making a commitment to someone.

  • Set your boundaries beforehand & stick to them.
  • If it takes your time and it doesn’t benefit you personally or professionally say no.
  • Don’t be afraid to create some white space on your calendar.
  • Accept people’s reactions and move on.
  • Have a solid honest reason, don’t fall down the rabbit hole of excuses.
  • Take time to answer if you need it. i.e. “Let me think about it”.
  • Thank them for thinking of you or offering.

Learning to say no will help you avoid resentment. Most of the time if you’re honest and upfront with someone about the way you feel they will understand. If you need to practice saying no get in front of a mirror. Learning to say no was very hard for me, but I can’t tell you how much happier I am now that I have learned. I have time to do things that I enjoy and that help me to learn and grow as a person. Saying no doesn’t make you mean and learning the reasons you say no is important as well. It will allow you to live in a more positive state of mind where you don’t dread commitments or complain the entire time you’re doing it.

DON’T BE AFRAID TO DO THINGS FOR YOURSELF. IT’S THE ONLY WAY YOU WILL BE HAPPINESS.

Xx, Kennah

 

Muah or Blah? : St. Tropez Self-Tanning Mousse

Summer is fast approaching and if you haven’t had time to get out in the sun before that first pool party you may be thinking about a sunless tanner. Look no further I’ve found the best of the best. St. Tropez’s Self Tanning Mousse is a guaranteed MUAH. It has helped me in my times of need on more than one occasion. The coloring is perfect and doesn’t make you look orange at all. It’s such a natural looking tan nobody will even be able to tell it’s fake. I purchased the application mitt and it gives me a flawless finish every time. They even make a face mitt (and no this will not make you breakout, I tested it!) There’s no streaking or splotches and best of all no orange hands! I start out by exfoliating and making sure my skin is nice and moisturized. Once you’re completely dried off pump your Tanning Mousse which is really more of a foam onto your mitt and start with a bigger area (not your hands or feet!) and work your way out to your hands and feet. If you start with them they always end up looking to dark for me. Be sure to rub it in circles to prevent any streaks. After applying one coat I dry it with a blow dryer and then apply another layer and repeat. I usually wait a bit before getting dressed because my skin feels tacky almost. This tanner can transfer onto your clothes so be sure to wear darker clothing. It does wash out if you get it on something, but I like to be extra careful. All that’s left is to wait for your color to develop! Don’t worry if you feel like you’re too dark, after rinsing it will lighten up! This self tanner does have a smell, but it isn’t the typical self tanner smell that I hate! I try to apply it 2 times before my event to get a good coloring! If you’re nervous about the price try it out in this beginners kit or get the best bang for your buck with this spring kit that comes with 2 bottles of tanner ($32 a piece) and 2 application mitts ($10 a piece) all for only $40!

Xx, Kennah

Hair Training Crash Course

Washing, drying, and styling your hair every single day is an unwanted hassle and is so time consuming! Did you know by washing your hair too much you could actually be damaging it? Shampooing too often can leave your hair feeling dry, making it prone to breakage. It could also have the opposite effect you’re going for and cause your scalp to over produce oil making it greasy faster. I train my hair so it lasts longer between washes and you can too! My hair grows very quickly and is always shiny and healthy looking. All this requires is a little patience because training your hair overnight doesn’t work. If you wash your hair everyday start by washing it every other day, you’ll notice the less you wash it the less you will need to wash it. Of course at first it will be super gross because it is used to being washed everyday so prepare for hat and ponytail days. Your hair will get used to your routine and will produce less oils. The thicker your hair is the longer you can go without washing. Everyone is different and not all of us are lucky enough to only have to wash our hair every four days. You can determine how long your hair can go without getting too gross. Things like working out and the weather can effect how long you can go. Here are a few tips I use to make my washes last longer.

  1. Dry Shampoo – chances are you’re probably using this product wrong (I was too!). Dry shampoo needs to be applied BEFORE your hair looks and feels greasy. Use it on day one hair and everyday after to help absorb as much oil as possible.
  2. Conditioner – while in the shower only apply a small amount of conditioner to your ends careful to avoid the scalp!
  3. Oils & Products – don’t put too much product in your hair even on just your ends! Decide what is absolutely a necessity for you and get rid of the other products. You may think by applying oils to the ends of your hair it’s not going to make your hair greasy – WRONG – it travels up your strand of hair and gets to your scalp.
  4. Boar Brush – using a boar brush will help you evenly distribute the oils from the top of your end through your ends so the build-up isn’t at your roots. (Most people say to brush out tangles with another brush and then use this one!)
  5. Pull it back – when working out, showering, AND when sleeping! Something I never thought about was when you go to sleep with hair or skin that needs to be washed the oil transfers onto your pillow case (make sure to wash them often). When you lay down again with clean hair it can make it dirty and oily!
  6. Don’t Touch it! – if you haven’t noticed the more you touch your hair the greasier it looks. That’s because the oils from your palms transfer to your hair! Try not to mess with your bangs or brushing it back in the same spot over and over.

Some people even take it a step further and use a clarifying shampoo every few weeks to get rid of all the build-up of oil they have. Another this I’ve seen a lot is an apple cider rinse, but that seems silly to me because for me its about avoiding having to wash, dry and style continuously.

Thanks for reading! Let me know how these tips work for you or if they’re something you already practice! Keep those locks luscious girl.

Xx, Kennah

 

Beauty Tip : Layering your Face Products

With all the things we’re slathering on our faces it can get a little bit confusing what order they should go on to make sure they’re all being absorbed properly. What products do you need? What products are extra help? How often should I put them on? I’m here to answer your questions and help you get the best complexion possible.

  1. If you have make-up on begin with a remover. Do this every night.
  2. Next use a cleanser, when selecting a one make sure it is not too drying because this will cause your pores to overproduce oil. Wash in circular upwards motions and rinse well. Do this step everyday 2x a day. (If you don’t like using a make-up remover like me, wash your face twice.  Once to remove make-up and the second to wash away oil and dirt buildup.)
  3. Exfoliator is the third, we also scrub in circular motions upwards and rinse well. It’s important to do this step 2-3 times a week to get rid of any dead skin and keep your skin healthy and glowing.
  4. Toner! Toner is something everyone needs, not just those with acne problems. Apply a few drops to a cotton pad and wipe your face down. If you have oily skin do this morning and night, if you have dry skin only do it once a day.
  5. Spot Treatment.. If you do use a spot treatment on acne remember to only apply it to the areas that need treating and not to your whole face. This step is not mandatory and should only be done once a day.
  6. Serums go on the skin next. I use mine twice a day because it is so light and makes my skin feel extra moisturized but if it’s super oily maybe try only at nights.
  7. Eye cream is #7. If you’re younger you probably don’t need this step but it’s never too soon to get ahead of the anti-aging game. It’s best to use these at night.
  8. FINALLY we are to moisturizer! (A lot more steps than you thought, right?) Apply a generous amount of moisturizer all over your face morning and night.
  9. SPF. This step is only necessary in the morning when you’re going to be leaving the house and in the sun. I know a lot of foundations have some SPF in them, but they shouldn’t be your only level of protections from the harmful damage of the sun. SPF will keep your skin looking younger longer.

After these steps your can continue with your regular beauty regimen in the mornings or head to bed at night. For daytime your next step would be primer!

Xx, Kennah