jennasday

Health, fitness, communications, and everything in between!


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You win by working

Something I’ve been realizing lately is just how important it is to keep working at the things you want to achieve and be good at.

I know it seems obvious, but it’s so easy to wait to feel inspired or good enough at something before making your move. I think I’ve waited far too long to start creating something, anything, even something that’s terrible or mediocre. But I need to just make something.

This article, Consistency Beats Talent, Luck, Good Intentions, and Even Quality, reminded me of the importance of buckling down. It was enjoyable to read. I hadn’t heard that Will Smith quote before so I found it:

What is it in your life that needs your focus and consistency?

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Start your year off with Side Hustle School

If you’ve ever wanted to start your own business but didn’t know where to start, may I recommend Side Hustle School?

Starting its second year “on the air,” Side Hustle School is a daily podcast hosted by Chris Guillebeau. It’s all about how to build an asset for yourself, not in a large, quit-your-job-and-start-your-own-business kind of way. Instead, Guillebeau advocates for starting small using skills and knowledge you already have.

Episodes are released daily and are less than ten minutes long. Six days a week the episode is focused on a real-life story of someone’s side hustle. There are no interviews, just Guillebeau telling the story and extracting lessons for everyone to learn from. At the end of each week comes a recap, where he summarizes important points from the week and teases for what’s coming up next.

Partway through 2017 (which was his first year doing the podcast), Guillebeau started doing monthly “Extended Cuts,” which involves more detail on a topic that his listeners want to learn more about, such as how to build a website.

I’m a bit behind – still in June from 2017. But the website has an episode summary by week so it’s easy to catch up. I have Side Hustle School on my Listen to This page, but wanted to give a proper shout-out because it really is a great show.

Do yourself a favour and have a listen!


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How to get your Canadian credit report and credit score

This is a follow-up to last week’s post about getting your Canadian credit report and credit score. I had to do some digging to find the right information so am hoping this will help other Canadians (and my future self the next time I try to do this).

TransUnion

  • Credit report: I called the number (1-800-663-9980) on the TransUnion website to request my credit report. I was hoping to make my way through to a real person so I could purchase my credit score at the same time, but the number never reached a real person. After a series of automated questions, the virtual assistant “Terry” told me I would receive a copy of my credit report by mail (and that they typically come within 5-7 business days).
  • Credit score: Apparently it is impossible to get your credit score mailed to you hard copy. I googled “TransUnion credit score” and it took me to this page, and accidentally signed up* for the monthly credit monitoring service. Click on the orange “Get your credit score and report” button to see where I went to get it. Once I’d logged into my accidental new account, it was easy to see both my credit score and report. I saved a PDF of my credit score then called to cancel my new subscription (another fun fact: you can’t cancel your subscription online; you must call). The number for this call was 800-508-2597.

    As expected, the agent tried to convince me of the benefits of credit monitoring but I was irritated about how unclear and difficult the site was and didn’t let her talk me into staying on. (Don’t worry, I was of course still polite to her; it’s not her fault the site is stupid.)

    I wanted to purchase my credit score so I’m okay with being charged for this one month; I didn’t try to get them to waive the fee or anything like that – but I’m still unimpressed about how the whole thing went down and how difficult it is to find anything other than monthly subscription services on their website. See yesterday’s post about being an angry ant.

    *(Looking back at the sign-up page, it does say along the right-hand side that I’m purchasing monitoring, but I didn’t see it before – is it a coincidence that’s where ads are typically placed on web pages? Don’t think so. So make sure you read everything carefully.)

Equifax

  • Credit report: Try as I might, I couldn’t find a way to order my free credit report online. In the end I had to print out their form, fill it out, go to Staples for a front-and-back photocopy of my license and health card, put everything into an envelope, and drop it in the mailbox.
  • Credit score: All that’s required for this is to check off the box on the above form and include your credit card information, and I HOPE everything will be delivered together within a couple of weeks.

Hope this helps my fellow Canadians with obtaining credit reports and scores. It’s important to review this information occasionally, especially to check for mistakes (which apparently happen a lot). You don’t want something you didn’t do to affect your credit. I’m hoping for no mistakes on mine, but if they’re there, you’ll get a play-by-play on how to dispute entries.

Good luck!