I’m sitting here on the beach, writing a blog post.
Well, technically not on the beach — But we’re pretty darn close.
I can hear the waves crashing right outside the window where I’m sitting. And I can see the surf breaking, all white-capped and angry, in a hypnotic swirl of repetition.
It’s my family’s annual beach vacation. And right now, it’s raining in the Outer Banks. But from my current perspective, that is totally okay. Because I’m away from work, surrounded by almost all who matter most to me, and am able to relax for a few days.
And I’m writing a blog post.
Why, might you ask, am I blogging while on vacation??
Making money while you sleep. Doesn’t that have a beautiful ring to it? I mean, who wouldn’t want to be making some extra money while playing with the kids or while watching a game?
The only problem is that most passive income ideas that you’ll come across are not really passive at all. Since you’re already busy with your everyday life, you won’t want to pick up a 2nd job that you don’t have time for.
Most passive income ideas require you to put in a LOT of work. And doesn’t that kind of wipe out the “passive” in passive income?
The truth is, to generate passive income, you need to invest in an asset that produces passive income for you. Unless you’re making money the old-fashioned way (i.e. inheriting it), or you are willing to put in some effort.
I’ve started and stopped writing this post so many times, it’s unreal. Every time I wanted to post an update, I’d reconsider, thinking enough progress hadn’t been made.
The entire premise of this blog is based on my journey to pay off debt. The ways I’ve been trying to make money on the side, and pursuing side hustles, in order to do that.
But somewhere along the line, your priority list gets a little jumbled. And you forget what it was you were originally setting out to do. Which isn’t to say the debt journey documentation has ended, by any means. In fact, if anything — its existence has extended even further.
Not because we’ve added anything significant to our existing debt. But because we’ve been doing a cr*ppy job (in my opinion) of paying it down successfully.
Seeing your credit score and viewing your credit reports has become a necessity in this day and age. Everything is becoming digitized, and new websites are launching all the time. But it can be hard to know if sites and apps like Credit Karma are safe or if they are a scam.
Credit Karma provides a free and easy way of viewing your financial history. I discovered Credit Karma earlier this year, and it has drastically simplified my life.
However, it’s always wise to confirm the company you are using is legitimate and safe before jumping in.
The reality is that you should be paranoid about giving any person or company your social security number. If the wrong people get that info, that can easily lead to identity theft or having your financial accounts drained.
Or they might show up at your house asking for money. And nobody wants that.
Before we dive into talking about whether Credit Karma is safe, let’s first look at why you should want to view your credit report.