Credit score, a purely monetary concept that has to do with a person’s/company’s extent to receive financial credit from banks based on certain calculations. To put it up simply, how likely a person is to receive money for their projects. Now what does this creditworthiness has to do with you? Can it be applied to better our daily lives, beyond just monetary-based meaning? Let’s dive in cogently.
Coming back to the actual credit score, it is calculated based on an individual/company’s payment history, accounts owed, length of credit history, credit mix and new credit. Now, before you quit the blog reading about terms that either belong solely in your accountant’s diary or economic studies, let’s see what these terms mean for general people like you and me.
To sum it up; a person would get money if they are known to have paid back money fairly on time and for how many times they were able to do it. And if they have been known to do so for a long time, they are more likely to get the money. If they are known to be credible in paying off different kinds of loans, they are more likely to receive more. However, if they are borrowing for the first time or a second, they are less likely to get the money.
Do you see a pattern unfolding? Who are the people in your lives that you trust? Or the ones that you can rely upon without any hesitation and sleep, a goodnight’s sleep knowing that they will do what they said? Let me answer for you.
These are the people that have proved to you in the past; not once or twice but many times that they are worthy and capable of handling that secret or that responsibility of yours. They were available when you required them and they helped you in more than one way.
And what does that tell you, about you? You are likely to trust with more of your insecurities, your secrets with every instance of proof that indicates that the person is reliable and trustworthy.
On the other hand, you are beware of the people that have shown you that your secrets can be broadcasted! Or even the people who don’t walk their talk, i.e., there is a visible difference between the actions and their words. You are most likely to be hesitant the next time to give away a responsible task or even share your mind.
When one sees the correlation between a person’s financial credibility and personalized creditworthiness, one can notice how even the most rigid financial terms have their roots grown quite aesthetically deep through human nature. So, what’s the point of this whole saga? Can there be some sort of creditworthiness of you in your eyes?
The answer is yes. We all have a perception, an image of our own. And this is not the image that you show on the outside, but the one that you have during your self-talk. If you’ve been inconsistent on your plans, you are hurting your belief, your control over yourself. I know this is hard to read, for most of us, as we have let down ourselves somewhere, somehow.
And unsurprisingly, we are humans after all. Honestly, it’s better to be a human than a robot. A robot is meant to be consistent and very well it is. But what happens when humans become consistent? Humans start dishing out, the most creative ideas only when they are consistent.
A day or two off is very human and to let it be also is. At least better than negative self-talk. But in the greater scheme of things our actions average out and so do our narratives, our credit score about ourselves. We are confident about completing some given tasks in future when we consider ourselves credible enough to do it. And credibility can’t be faked, at least for your selves.
Then where do we start? How can we regain or increase our credibility? The answer is simpler than you thought. It is by accomplishing the small set of tasks that you decide to do and you do. Start small. I repeat start small! You can’t expect yourself to start physical training 5 days a week in the first week! Maybe just 3 days? The most important point is to keep this discrepancy between your talk and walk as small as possible.
After 3 weeks of doing it consistently, your credibility grows and you grow confident that you can also do it 5 days a week with greater weights! And confidence is contagious. Credibility is contagious. When you start being credible to yourself, the people around you are bound to take notice of it and be willing to lend you more responsibility! That’s the better equivalent of money.
What do you plan to accomplish next week, that you will without any credibility loss? Being credible is worth it, believe me.
So true. You are among the person around me who is credible for a lot of things. Thank you for the motivating cogently, let people read this and be more credible for themselves first, as being credible for oneself is more important than for others.
I wish you all the best for further writing.
Start small ! Start small !! Roger that captain 😎👌😁😇. Very motivating. Thank you.