11 In its broadest sense, empowerment is the expansion of freedom of choice and action. It means increasing oneâs authority and control over the resources and decisions that affect oneâs life. As people exercise real choice, they gain increased control over their lives.
3. Pay on time every month. The most important thing you can do to build and maintain a good credit score is paying all of your bills and debt obligations on time every month. Even one late payment can significantly damage your credit score, especially early on.
You can use your budget every month: 1  At the beginning of the month, make a plan for how you will spend your money that month. 2  Write down what you spend. 3  At the end of the month, see if you spent what you planned. 4  Use the information to help you plan the next monthâs budget.