As we’ve discussed, adult human beings need credit—good credit—to do lots of important adult things such as renting apartments and buying cars. But having debt, whether it be in the form of a balance on a credit card or just Ye Olde Stvdint Loane, can be fucking terrifying.
Fear not, gentle readers. For there is a way to build up good, healthy credit while neither increasing your debt nor your risk.
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If you work for a large company, or a well-connected small one, you should investigate if part of your benefits package includes any unexpectedly awesome free shit.
Many companies act as corporate sponsors of local theaters, symphonies, museums, zoos, sporting teams, and other cultural institutions. And sometimes their patronage can translate to free or discounted tickets for you.
This is also the case for many colleges and universities. Whether you’re a grad or undergrad, the right student ID can equal discounted membership, classes, and admission to any institution your school partners with. I regret not taking advantage of my college’s generous museum consortium membership more often when I was a student. (To be fair to myself, I had just discovered alcohol. So. Mm-hmm!)
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If you are an American who is lucky enough to have health insurance, you almost certainly have free medical care coming your way.
Several annual and semi-annual services are available to you with no copay—and you have absolutely no reason not to use them. Technically, you have already bought them, as their cost is built into the premiums you’ve already paid; and your body will thank you for it! Even if you feel perfectly healthy, establishing a baseline of health will help your medical professionals detect problems early.
Here’s what you should be doing every year.
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