**backstory** I am working on my credit. I just took a personal loan with a lower interest rate to pay off all my credit cards and do some home improvements. My home value has increased about $10,000-$15,000 from time i purchased it. Mortgage is currently $140k with home appraisal value $160k at time of purchase. I want to refi and get rid of Pmi and hopefully get a lower payment.
I have 6 late payments of 30 days on the mortgage from the past 2 years. Most recent was Jan 2018
**I know that is terrible**
Should I or do I have to wait a certain length of time before applying for a refinance? What things should i do to help my score other than continue paying on time? All of my student loans and car payment have been paid on time and are in good standing. Credit cards pd off. I only have the personal loan in good standing that I will be paying on.
I have 6 late payments of 30 days on the mortgage from the past 2 years. Most recent was Jan 2018
**I know that is terrible**Should I or do I have to wait a certain length of time before applying for a refinance? What things should i do to help my score other than continue paying on time? All of my student loans and car payment have been paid on time and are in good standing. Credit cards pd off. I only have the personal loan in good standing that I will be paying on.
@brookesmommy2006wrote:Honestly it was bad budgeting and too many credit card payments. Credit cards paid off and I will not be using them. Only debt now is mortgage, student loans, car payment and utility bills. I feel like I am in a better place financially at this point. My budget is in place and I am trying very hard to stick to it.
Hmm, seems like a discipline issue on CC spending 
heppens to the best of us. This is what i do in a daily/month basis to keep track.
| Bill / Due Date | Amount |
| Netflix 1st | $15.00 |
| Water 1st | $100.00 |
| Gas 14th | $100.00 |
| School Loan 17th | $600.00 |
| Cable 13th | $80.00 |
| Cell 15th | $300.00 |
| Groceies | $500.00 |
| Gas | $250.00 |
| Add bill here | $0.00 |
| Add bill here | $0.00 |
| Add bill here | $0.00 |
| Add bill here | $0.00 |
| Add bill here | $0.00 |
| Add bill here | $0.00 |
| Add bill here | $0.00 |
| Add bill here | $0.00 |
| Mortgage | $0.00 |
| Total Bills | $1,945.00 bills sum |
| Checks Coming w/date | |
| 4/1/2018 | $3,000.00 |
| 4/15/2018 | $3,000.00 |
| $6,000.00 income | |
| Currently | |
| Total | $6,000.00 |
| Left after bills | $4,055.00 income - bills |
So basically:
Money coming in from checks
--- Bills for the month
-----------------------------------------------------------------
Total left avilable after paying bills