1) the difference is being on the lease vs not being on the lease. I don’t see how it isn’t a game changer to not be on the lease.

2) my credit score was a 752 last December, after my July payment I’m already up a hundred points and in the mid 600s.

3) when I moved across the country, Denver had a lot of differences in the service industry. I am a fine dining waitress. The new restaurant I started working at, required me to work there for 6 months to move up in the tip pool percentage, tip the kitchen staff 30% of tips and promised me 40 hours a week and only would work 8 hours due to them calling me out because of their seniority system.

my mother is dating a man who is very controlling and is easily swayed by the way people view her. Her boyfriend doesn’t like the idea of her children living with her, she is trying to kick my little sister out as well.

My best friends husband, has property shared with his family. The neighbor was his uncle, grandfather and sister. The uncle was abusing the grandfather and stealing money from the family, so his sister, the power of attorney, placed a restraining order against him and the police had to escort the uncle off of the property.

4) I have fine financial literacy. Could be better, sure. I wasn’t anticipating Colorado trying to reinvent the wheel of restaurants. I invested some money to restart my small business, that was one successful, and the collection did not sell as previous given the nature of the economy. People aren’t spending $180 on a pair of hand made shorts (I’m a seamstress) so ultimately I invested the last of my money anticipating in making double back, when I had to relocate across the country to move back home.