I'm 33 and have embarrassingly bad credit. Debt collectors call every day (I don't answer.) I even have a good job $45,000/year but I live paycheck to paycheck and have NO savings. No credit cards either, since I defaulted on three. My first priority is an emergency fund of about $16,000, but I'm not sure if that's wise. I don't want need new things (except I have very little furniture), so I want to rebuild my credit and have this be the beginning of a better phase of my life. I do have retirement through work but don't know much about it. Should I even bother rebuilding my credit, or just find a way to invest this for retirement?
Submitted August 28, 2017 at 04:32PM by hottieman228 http://ift.tt/2wDUgEo
