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Having an emergency fund in place, even if it’s small, makes life’s little surprises easier to handle. Building up that fund is a huge accomplishment, and worth the time and effort you’ll put into the project.

Building your credit is an important part of financial stability. Most people don’t know much about credit scores, though. It takes time and a great deal of patience to build great credit.

Having good credit can help you make the most of the money you have. You need a good credit score to qualify for a car loan, mortgage, and credit card. While you may still qualify with a lower score, you may more interest on the money you borrow.

You can build and sustain good credit with a personal loan or credit card by making every payment on time. Even if your score isn’t great right now, if you keep your balances manageable and keep up with payments, you’ll be well on your way to building a good FICO or credit score.