Muchen feels calm. He wants to continue to build credit and maintain a good credit score, get a job, and build some savings.

Situation:

• Tracks credit score using free credit monitoring tools, e.g., Credit Karma, Borrowell.

• Secures full-time employment.
  Qualifies for a credit increase.
  Begins to save money monthly.

Barriers:

• High cost of living in Canada and low salary makes it difficult to save money.