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Well hello guys, so it seems like this year is starting off great because I am motivated as ever and I am literally going all out with the different types of content I am creating for you guys, again follow me on all of my social medial platforms.

In this post, I will be sharing with you all the importance of credit in the United States. If I am honest with you this is a very tricky subject and so don't take my word for it. Read this post and then go ahead and do your own research because there is nothing like too much research.
Photo by Dmitry Demidko on Unsplash

As you already know or if you didn't know credit score is very important in North America, you need a credit score to rent an apartment, buy a house, buy a car, take a loan like honestly credit is very important. As important as it is also very tricky and if you are not careful you will literally fall into a trap. Before you know it you will be swimming in debt so if you don't want to be in that situation then make sure you are aware and do your research. There are several ways to build credit;

  • take out a loan
  • get a credit card
  • pay your bills
just to name a few. One of the fastest ways to build your credit is through a credit card. Now when deciding to get a credit card definitely do your research, look at the benefits they all offer and make sure there is no annual payment needed. I personally recommend having just one credit card with a really minimal amount of credit line especially as students just to be safe because again it is credit you are technically borrowing money and when you borrow you have to pay it back and with interest. Some starter credit cards are;
  • discover it
  • capital one quicksilver one
  • tourney
  • wellsfargo
  • bank of America
again these are just a few, if you feel overwhelmed go to your local bank and ask them for assistance and it will be given to you.

One thing to note is that if you don't pay your card on time it is going to affect your credit score in a negative manner so be careful and always know how to pay your credit card bills.
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Happy new year to everyone and thank you for reading my blog. If you have been reading my blog for a while then you know that i recently changed the direction of my blog and the name of my blog from its Bertie to a new jourii with Bertie. This change is long over due and I decided to start the new decade with a new chapter. I just posted a video on youtube about how to make a digital vision board if you are interested please definitely watch and tell me what you thing in the comment section down below.

In this new decade there is a lot of things that i want and a lot of things that i wish for. It has not been easy at all but unfortunately I start the year with some not so great news. I really debated sharing this with you guys but the way i see it it is a way for me to vent and also share my story with anyone who is going through a similar situation.

At the end of last year i got an opportunity to have an internship and let me tell you i was the happiest person on earth. It felt like things were finally going my way, as an international student it is extremely hard to get an internship and getting one with a great organization well, that was the icing on the cake. Unfortunately today i had to turn down the internship because i did not have the right prerequisite to take the class i needed to qualify for the internship. Now this is no bodies fault it literally is just life, it is one of those things that happen. I honestly felt like the world was falling on my head and i literally slept all day just because i did not want to deal with my emotions and felling about the whole situation, if i slept then i did not have to think about the disappointment and how I want to cry but here i am writing about it because at the end of the day i have to deal with it sooner or later.
Photo by Jamie Street on Unsplash

Another thing that just sucks about the whole situation is that I had to quit my job so i could do this internship and now I have no job and no internship. Yesterday I read psalms 1 and if your christian like i am i will encourage you to read it, if your not Christian that's ok too but all in all what i learned from it was that every thing will happen in due time. I honestly thought this post was going to be about how not so good my 2019 was and how I wish my 2020 will be better, but instead its just me rambling on.

If there is one thing you can take out of this story is just that things will happen as an international student this are the things we face on the daily, but in the end we have to move on and find the strength to keep fighting. Now i am sad but i am really good because I know that everything will be alright.

As this year starts i really hope that we all could take a moment to be grateful to be part of this year and also embrace the troubling times because it comes with the good.