Having heard speakers from banks and the better business bureau I have been aware of Equifax, Trans Union and Experian for some time. It is vitally important for people to be very aware of what their credit rating is. That way there are no surprises if you decide to take a loan to make a major purchase.
We have always had a budget plan even when money was very tight. When you don’t have much money it is easy to see where it is all spent. When you have more money a budget allows you to prioritize your spending so you can do what is most important and plan for later purchases including important decisions such as buying a home or car as well as for vacations and fun.
What I like about the TCDRS site is that it allows us to see how much we have in our account and helps make projections that allow us to better plan toward retirement even if it years away. I found comfort in the following statements on their web page. 1. The system is designed to keep benefits secure even in trying times. 2. Members receive 7% interest on their accounts every year. TCDRS' investment return in any single year does not affect your account balance or benefit payment. 3. Your account retains its value no matter what happens in investment markets
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