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Descriptive Essay Writing


hello everyone welcome to study IQ in this video I will tell you some crucial points how you can score very good marks in descriptive essay writing what are the things that you should include in your essay and this will be completely by my own practical experience these writing skills have helped me individually and also a lot of my students I have taken a lot of classes for GMAT GRE for cat and for other higher level exams which require a grid you know a very good command over English language and therefore I will bring that experience into play in this video I tell you some of the some of the things which you can include in your essay which will really make your essay stand out from the rest and therefore you need to be you need to be really vigilant you need to very carefully pay attention to this video now this is something which I have been using on a personal level when I write any essay I choose this format and this format you will not find it anywhere you will not find it at any book you will not find in any any any literature any website this is purely what I have been using myself so whenever I am given an essay to write I am given any topic to write an essay upon I follow this strategy first I do the beginning that is I elaborate on the topic that is given to me and I in this video only I will take one example and I will write an essay for you or I will tell you the main point so that you feel really confident going into the exam then I explain citing all the examples I take sides yes I do take sides for example any topic that you will be given to write on you may need to choose sides some people prefer to write from a neutral point of view but I always take sides because after all why are they why happy examiner given this essay to write to a particular student because he wants to know what he or she thinks about that topic now gone are the times gone are the days when you know you don’t you have you know you have had to be politically correct in everything no don’t write an essay with a very defensive mindset be aggressive be expressive rather if at all you need to be aggressive then go ahead but make sure that whatever side you choose you are very confident about it you can give a certain point or an explanation about it some very well-thought-out point statistics to prove it or something even if you take the side that is negative does not matter you should be able to justify it for example let me give an example let’s say if you are given any topic to write on about Kashmir right the Kashmir problem it’s a burning topic it’s in news Kashmir is the news for all the reasons you had the killing of Gihon money and you had earlier this year you had the JNU protests you had Kasab issue so there is lot of issues regarding cosmic Kashmir and whenever you are given a topic like this you do need to take sides because you can’t be indifferent to an issue like this you cannot be indifferent you either have to support it or you don’t have to you either have to you either have to take the side that okay you are Pro India or you have to write in that not I am NOT saying that if you are saying that Kashmir is not an integral part of India or then you are not you are not Pro India or I don’t want to go into the controversial side of it all I want to say is that if you are give if you are given any topic then take sides especially on topics which require which require you to take sides for example if you are given a topic on Kashmir it is very difficult for you to write without taking a side that’s all I mean to say and when you take side you will feel more confident while writing now that will be your third thing which you have to do also why I am writing it like this is because you can structure your essay like this for example you can start beginning so that will be para number one two three I mean the beginning s paragraphs let’s say you want to write ten short paragraphs right so you can structure it to to to to n2 or let’s say if you want to explain it more than you can do three here and one here similarly if you want to put more into conclusion if you want to add words in conclusion you can give three paragraphs for conclusion one here one here two here right like that so you can first thing before you even start writing an essay what you need to do is you need to structure your essay spend some two minutes three minutes and although it will be an online exam you will need to type it on your computer still you will be given some rough sheets where you can design your essay so for example let’s say this is your rough sheet so on this rough sheet first structure your essay okay I will write five paragraphs okay and keep in mind the word limit if they have told you to write it in 700 words then to write in 700 words only now let’s say this is your beginning para so plan what you are you going to write in the beginning then you are going to explain in detail citing all the necessary examples then you will tell your own opinion about it that is take sides but but a very important point and this is where you will score a lot of marks let’s say you have taken this side okay so I am making a this is positive side this is negative side now by positive and negative I don’t mean you know you are negative towards the idea no I am just saying that there are two sides of a coin so first side is the positive side and the back side is the negative side I don’t mean that you are a negative person if you are taking a negative side or there is no negativity as such involved right so let’s say you have taken a first side of the coin then you will write points related to this in take sides this side this paragraph but make sure that you also negate the opposing point of view for example let me give you an example let’s say if somebody asks you should Raghu Rama Rajan have been allowed to take the second you know Tom or should his tenure as the governor of the Reserve Bank of India be have been extended now let’s say you want to say yes yes Raghu Rama Rajyam should have been extended so this is the positive side yes if you want to say no it’s fine whatever the government has done it’s fine so no right now on the positive side if you are saying that Raghu Rama Rajan’s any or should have been extended then you write why it should have been extended so you can write all those points that well he is a very renowned economist number one he has been able to reduce the CPI inflation the CPI inflation is the lowest in the last ten years so right these type of points which which you know right about his performance right about some of the extraordinary things which he has done so for example he has been instrumental in formulation of lot of policies like in the Thermage plan for revival of the banks something like that that you write in this farah where you are supporting his extension but don’t forget to negate the opposing point of view for example when you have taken your side and you have written why he should be there you also have to write why the people who think he should not be there you know they are wrong for example one of the criticism of Raghuram Rajan is that in his tenure he has not been able to revive the public sector banks now there are 27 public sector banks in India and he has not been able to revive there is still a lot of loss in fact officially RBI has said that almost half the banks have posted losses in the last one year so what was the average undoing he has not been able to do it I agree that some part some part of the blame must also go to the Ministry of Finance but he has also to take his share of blame so this is a valid this is a valid point of view for those who don’t want to his extension so how do you counter that then you should say that mission in revenues is a recent plan and whether it be roots or not remains to be seen we say that the policies which are designed by Rajan will not do any good to the public sector banks so then how will you start writing it you say that some people say that Raghu Ram Rajan has not been able to revive the public sector banks however it is too early to judge him since the policies that he has formulated are recent so something like that so whichever the point so you before writing the opposite point of views you should think about it what can the possible criticisms of Raghu Rama Rajan be for example for this you can read what Subramanyam swami said about him that he is pro-america in his policies you know he is not decreasing the repo rate which is you know which is not increasing our GDP rate things like that and then you negate the point that why these points by the people who say this they are wrong and you give the logical explanation that will make your case very very strong because you have not only supported your point of view but you have also proved others wrong so that you do just before conclusion and then you write the conclusion that okay so therefore to conclude to sum up using words like these that I tell you later in the video so this is how you should structure also some people have a habit of writing like this okay there is this para which is given to you and they will just keep on writing without even giving a space these people have already hit the nail you know on their own feet they you know they will get very very less marks they because the examiner as soon as he sees your essay he will get to know that this person is not trained or he has not done his homework he has not properly prepared on how to write the essay so the very first thing you should do is structure your essay there has to be proper spacing between the essay there has to be proper commas and foot stops at the right place so at least do the basic you know the base get the basic hygiene right now I tell you how to begin your essay how to begin your essay so one of the things that I used to do is I always used to start with a code but the but the thing is to write a code this code is a same by a famous person it can be a general universal principle it can be anything but make sure to know the code you know you have to be a well-read person you have to have a very good journal knowledge you have to have a good knowledge of the courts itself so at least learn 10 to 20 very good idioms and phrases or learn at least 10 to 20 very high quality quotes from the books they can be motivational they can be and don’t include the code for just the you know the inclusion sake include it only if it is relevant also when you begin then always stick to the topic always start with the with the topic itself for example let’s say if you are given a essay on climate change right how will you start so first you can write a code regarding how the you know how are you know whether some some famous person must have said something that our world is going to end soon if the you know shame on human being something like that you know which says that we are the culprit and then you start with how the human beings they have very less regard for the climate but even before you start that then you can mention about the cause of it like for example the the global you know our world the world we live in is a you know is giving a lot of importance to the GDP rate to the economy you know and we’re you know as a result are the focus of all the countries is you know is to get ahead in the race and things like that so after that you write that what has happened because of this is there is a rampant depletion of our forest resources that there is a depletion of the you know the environmental flora and fauna and then you start with how the climate change is occurring whatever is happening and things like that make sure when you begin you do not deviate from it sometimes it may happen that you can get a very tough topic to write on you know which you have very less idea now in such case you would want to include fillers by fillers I mean the sentences which are just to take you know space but don’t put fillers in the beginning or in the end make sure because if you put if you start with something like a filler or a sentence that is not very important then you will you have already lost the impression good beginning is half the job done as goes a popular x IAM now these are the words which are very very impressive when you write an essay if you are expressing similar ideas then you use the words like not only this but also that this is a correlative conjunction you can use moreover these are all conjunction conjunctions are the word which join the two sentences so you can use n you can use furthermore in addition besides you know so hence therefore now let me give an example how to use this for example let’s say the topic is is religion is religion the evil that we talk about or is religion or is religion an evil that is the thing now now you want to express about your views about this right so you are want to take the side yes yes religion is an evil and you want to express two similar ideas by similar ideas I mean that this sentence will also say that religion is an evil and this will also point towards the same fact how will you join these two sentences by using moreover furthermore for example religion has led to you know wars in the Middle East you can give the example of Middle East versus Israel Israel here is Q has Jews and the Middle East has the Islamic population and between them there has been a Wars so that you can mention here and then you will say in addition to this or furthermore or besides this basically these two coins will point toward the same fact they will point towards the same idea then you use these words and if they point towards the opposite idea then you will use these words however otherwise instead but yet in contrast and tow these are very very impressive if you use these word these conjunctions in your essay so this is very very important now when you conclude your essay then conclusion of an essay should start with the restatement of the thesis statement in other words the topic which you have been given and you should include words like to conclude to sum up also don’t write things like you know in you know like some people say according to me so don’t use this according to me does not exist in English it is very wrong to write something like according to me right in my view in my humble opinion as far as I think or as far as I am concerned also avoid writing in too much of first-person first-person mean writing as your own like I words like I we we must I must I think I should avoid these write in a new in a third way like it is seen that for example if you write a sentence I think that the war between Middle East and Israel is because of religion then that will have less Vantage compared to it is seen that the war that there are wars in the world for such as in the Middle East that are because of the religion so if you are writing it is seen that that is a third person if you are writing is I think I I am of the view then you can include this only one or two times but don’t go again and again writing I think I think according to me and things like that you write in my view in my opinion as far as I think as far as I am concerned to conclude to sum up adding to the fact not withstanding the fact so try to include as many conjunctions as possible also when you start your conclusion then stick to the topic which you were given and stick and start your conclusion by proving yourself that therefore you know that I mean first write the sentence and therefore it has been established that or the above example state that or in my view as far as I think and then you start your sentence so that is how you should start your conclusion and your conclusion should contain the main main points from your the body of the essay the body of the essay is your the paragraph two three four by two three four I mean the concept two three four that is your explanation your points for the idea and negative the opposite point of view include the main main points in your conclusion and also it should demonstrate how you have proven your point of view as I said you want to prove that you were right in the conclusion not before that before that you keep giving on examples and keep negative the opposing point of views but when you write conclusion you should prove yourself that yes I have done sufficient now to put forth my point of view and don’t include any new points in the conclusion don’t include any new points conclusion is only for your inference or conclusion and nothing else don’t include any more examples here also conclusion should bring a closure to the essay don’t treat it like a film ending that you can keep it double or you know you can keep it open like like there are some movies for example in which the ending is like you know there is no ending you know it’s like open ending so don’t do that because in these exams they want to they want to see how you conclude what is your point of view whether you have been able to defend the side that you have chosen they want to see these things so this is the general schema and now I will tell you how to put this into practice because until and unless I give you an example you know all this exercise is quite futile so let me give an example now let’s say you are given a you know something to write on that is about women empowerment right so I check the past papers and I found that all those exams in which there is a descriptive component whether it is essay writing whether it is paragraph writing it is argumentative essay writing scripta Vesey or whatever there is an element of writing something related to women is always there whether it is women empowerment whether it is the role of women in today’s world whether the women leadership is their gender ratio whatever right so let me take a common type of a of a you know topic like women empowerment right so you can put a code to start with something like this you know a woman is the full circle within her is the power to create nurture and transform Diane Mary child now one more thing if you don’t remember the author’s name then just write something like Chinese saying and no one no one gives two hoot whether you have written it whether it is actually a Chinese saying or not no one bothers about it just write a code and write Chinese saying or write Greek saying popular saying something like that no one cares or you can also say as goes one saying or as is being said or they say that a woman is the full circle within her is the power to create notion and transform your opening line itself will create such an impression on the person who is reading it that you know you have already done half your job here they say that a good beginning is half the job done so this will make sure that the person you know just imagine that the you know the reaction of a person when he reads this line he will immediately get to know that this person has done his homework avoid cliches when you write now see this is one thing that most of the people do and they lose marks cliche means something boring things see for example if you are given something like women empowerment then don’t go on writing about you know women if a woman is strong then a household is strong you know if a woman is empowered the country is empowered everybody writes that how your essay will stand out from others if you keep writing this cliche things these boring things and in agreeing that we should respect women you know women is the woman is the you know what they say the leader of the nation you know things like that don’t do it don’t do it avoid cliche just make one point that yes women needs to be empowered that’s all but don’t go on just saying about things we should respect women we should care about women they give love and care they give love and affection to everyone women is 50 percent of the nation avoid things like that don’t use too many general or common things that everybody knows they don’t create impression they will not fetch you marks so keep that in mind another very important thing use statistics very very important because statistics what are statistics they are the facts and the facts cannot be questioned that is what the me is the meaning of the fact fact is you’re some observation or they can be from a department for example the Department of Industrial Policy and promotion says that 30% of the woman you know this department has now 30% of the woman so use statistics like this or for example you know that in Air Force now there are three women fighter pilots that have been included this is a fact this cannot be questioned and when you write this the examiner we get to know this is a well-read person the person in here who is writing is a well-read person he knows about his GK his current offense so use as many examples as possible statistics as possible and for example Haryana now Haryana has one of the lowest gender ratios in the country and in the last 10 or 12 years the gender ratio has significantly increased in favour of women in Haryana so that’s a very positive step that is a statistic you can write the actual statistics if you know if not you can you know you can mention about it similarly Kerala similarly you can write about the states in which the women are educated that crimes are less or you can write the success of the marriages in states where the gender ratio is good so you can try to correlate the facts and use as many statistics as possible then you can mention about Rajasthan where the according to 2001 11 census use words like this as for the 2011 census as for the 2011 Social Survey you know the Rajasthan has the lowest literacy female literacy in India and in Rajasthan we have the highest female feticide and things like that so you are using statistics and statistics cannot be questioned next use your own country example now look this is very important point now let’s say you are given women empowerment so obviously you have to mention some women who are empowered right and they have brought lot of fame and lot of pride to India for example you want to mention about maybe cult notch Amla you want to mention about you know maybe Indra Gandhi but the but the thing is you know when you write about going empowerment you can also mention foreign people like lot of foreign people but they will not create as strong an impression and make sure that even if you are using a foreign subject as your example then she has to be really positive person right for example and not a controversial person for example if you are saying Hillary Clinton right then she is not out and out positive okay there is a lot of negative about her she is a very dubious kind of a person to mention because she has a lot of I mean you know that there was a recent email leak in which she was shown to support the corporates so the you know don’t use controversial people okay first even if you want to use foreigners use people who are out and out positive for example if you are writing about mail you know the the popular Indians or the icons then you can mention people like Abdul Kalam because you know there is very less negative about them or if at all so they are mostly positive similarly try to use Indian example and now be smart for example this is a banking exam right so banking exam give the example of women from the banking sector that will create a bigger impression for example Arundhati Bhattacharya around 30 Bhattacharya will get you more marks than Kalpana Chawla simply because of the fact that Renata Bhattacharya is the chairman of the State Bank of India and in the recent Forbes list she was one of the one of the most powerful she was declared as the most powerful woman in India one of the most powerful women in India similarly you can mention about Chanda Kochhar who is the head of the ICICI Bank so give example from the banking industry itself that creates a bigger impression do not fill the entire essay with example now look this is one mistake which 90% of the students commit when writing essay and I tell you what that mistake is now for example let’s say you are given an essay women empowerment so what the students do is let’s say this is an essay they will start writing so let’s say they are writing core of the paragraph this is the introduction this is the conclusion and in between there are four paragraph now what students do is they fill the as say with example rather than the broad points for example first paragraph they will write about Arundhati Bhattacharya second paragraph they will write about Chanda Kochhar third paragraph they will write about Aishwarya Rai fourth paragraph that means the what is the point you have taken 70 percent of the space in an essay with only examples you should have just mentioned their names that’s all now in this paragraph you should have mentioned that there have been lot of Indian women who have brought glory pride to India for example recently Duty Chen she qualified for the Olympics in 100-meter race which is not easy for people in India which are genetically not good at sprinting but she has brought immense pride to India or you can mention out onto the Bhattacharya and things like that but don’t overdo it don’t just fill the point filled all the space with examples examples are only to elaborate a point or to validate a point the marks are for the points and when you put an example it is like you know in Hindi you say Sonia peso Haga so you are examples they will add value to your point but if the points are missing and the entire paragraph is only examples example example that will not serve the purpose now be as creative as you are now as you must have seen that during the course of this explanation you know we have touched upon various sort sort of points be as creative as you can and don’t don’t be don’t shy away from being creative don’t think that you have to you know you have to follow what everybody else is doing be original in your ideas even if they are slightly aggressive go ahead with it does not matter now see these are some things which cannot be taught to you these this will come naturally to you for example if you are from a Hindi medium then chances are you will make more grammatical mistakes you know these see these are some things which cannot be taught you know in this video so for example grammatical mistakes this if you have a very poor English then there is very little you can do in a very short amount of time you can still improve but you know it will take you some time to correct your grammatical mistakes for that you need to continuously write and write and write and then get it checked from a good faculty good English ability who can correct your mistakes so that you don’t repeat it the next time then avoid stylish vocabulary see you this is one of the thing that again you know lot of vocabulary you know vocabulary is good using stylish or impressive vocabulary is good but it is not the main point they are not giving you an essay to write so that they can check your vocabulary not at all if you have already a good vocabulary go ahead with it the the you know the idea is to check how you think how well read you are how you can relate the topic how you can correlate various points and the idea is not at all to check how impressive your vocabulary is for example if you want to say fully then say fool only say foolish don’t say impetuous you know it is it was impact to us or something like that don’t write work every which even the examiner don’t understand so be clear in that if you have a good vocabulary you can use some words here and there but don’t overdo it and this is one thing use idioms only if you are confident idioms and phrases if you have been using use it otherwise completely skip it don’t use idioms too you know just because you have to use them know now this is also one thing since only a few days are remaining for the exam go through all the burning topics very very important for example right now what are the burning topics well there are topics regarding banking for example this question will surely be asked in banking how we can use technology how we can make banking better you know or something related to Kashmir issue maybe we are India’s relations with other countries and things like that something on globalization or industrialization environment global climate change this is very important so just so you can write the essay prepare five to six key points this is very important five and six points like for example these are the points which you cannot think these are just which you have to include for example if you are given something to write on climate change then you should mention the words like carbon footprint you know carbon footprint you mention about greenhouse gases you can mention about Kyoto Protocol Montreal Protocol ozone layer you know you can mention about the countries which are which I have the highest greenhouse gas emission like China and USA you can mention about the cop21 Paris conference Paris declaration which every country has signed so these are the things which will fetch you point so mention do some research and prepare five to six key points for example have there been any committees in India for financial inclusion like that about various panels committees the head of those committees this some who made that committee and these are the five six points and rest you can fill with your own intellect now I will take a practice session for you and you really need to follow when I say this okay so write an essay on banking technology right don’t actually write it but think about it for five minutes take a page right now and see if you if you don’t do as I am saying it will not help you to improve you know if you directly see the answer or what I am going to write it will not help you the only thing that will help you is if you take five minutes right now and you actually write what are you going to write just write six points or five or six points you know what are you going to write if you are given banking technology and think for five minutes write it on a piece of paper and then relate to what I am going to say so pause this video right now take five minutes and write five or six points in banking technology so come back I hope you have devoted five minutes now some of you may have written points like you know let’s say this is your essay yeah and this is the rough points which you want to include so as soon as I said banking technology some of you must have already started jumping to the F F names for example there is an app called chiller right there is a there is a app by ICICI there is a by SBI so I am sure you must have read lot of GK current affairs you must have seen my videos and you must be knowing two three names of the popular apps of all the banks and some of you must have you know written a lot of these names of the apps now this is again the mistake you are doing because you are focusing a lot on the examples they don’t want to know the name of the apps and also app is only one part of the technology one small part of the technology that is mobile banking that’s all so if you mention the word mobile banking that will give you lot of marks rather than the name of the app and then in an example you can say for example that see in India if you like if you write something like this that in India there are six lakh villages only fifty thousand villages have banks or any bank branch that means five lakh 50,000 and you can calculate the percentage so most of the India Indian villages don’t have Bank and it is very difficult to you know for banking to reach out to these remote areas in a very short span of time it will take us another 50 years so with the help of technology we can reach how we can reach because you know even in villages everybody has mobile India has eight Picaro mobile phones and they are there in the tier one town tier two town remote areas rural areas everywhere they are there so through mobile banking you can reach those areas so this will give you more marks rather than writing about all the app name there is a app called children there is I have called SBI wallet there is an app called this this don’t don’t so this was the exact point that I said don’t focus more on example focus more on points and also don’t include general things like you know technology via you know technology is a great help it can make a developed developing country to develop countries these are fillers these are filler point for example if you have to write in 700 words you have written 500 good words but you still need 200 word then you can go on elaborating you can use order fillers use this a you know not so important points in between somewhere but don’t make the core of your essay with these points so keep that in mind these are very very average points now let me tell you what are the good points which will give you marks so these are the great points common service centers brilliant point see I told you out of 6 lakh villages in India 50,000 villages in India they don’t have only 50,000 villages have banking right so five point five lakh villages don’t have any banking facility and what is the government doing the government has decided to connect these with common service centre also called CSCS in short so if you mention mention CS C’s that will be a great point it will give you a lot of marks because the government is actually doing it government is actually connecting the remote villages in India with the common service centers this is a part of the digital India campaign then you mentioned about how the banking has changed already for example previously we used to do a conventional banking if we had to do any transaction be used to go to the bank we used to stand in the line we used to wait for our turn it will it was time consuming then it we started using online banking what is that that is technology that is an example of banking technology then from online banking we switch to mobile banking so now mobile banking is even more convenient it is banking on the go wherever you have mobile you can do your mobile banking your online banking so this shows a shift in mindset of the people include another example here for example HSBC Bank what is HSBC Bank Hong Kong and Shanghai Banking Corporation widgets headquarter in London very very important bank China HSBC Bank has decided to shut down 50% of their bank branches in India why because they think they are sure with the help of data that the customers are going digital customers are embracing digital banking therefore this is a very good point this shows customers want to have convenience options customers one one to stand in line so the mindset the consumer behavior is changing HSBC Bank has shut down 50% branches because of digital banking this shows that we are moving ahead in technology customers one technology mobile wallet mobile wallet like Paytm for example Paytm mobile wallet is one of the fastest growing industries in India right now so also mention about dsb Bank DSB Bank is one of the biggest banks in Asia it is not a small bank and DSV Bank has brand ambassador Sachin Tendulkar in case you don’t know so DSP Bank has introduced DG banking that is complete banking on mobile phone only that is DG banking similarly there is something called as unified payment interface which is launched by the national payment Corporation of India this is very very important unified payment interface this will connect all the banks very conveniently to all the e-commerce platform for faster transactions then another great point will be technology can create a cashless economy if you have a cashless economy then the black money will be less because we will not use the physical nodes per transaction we will use the cards similarly you can mention about a committee so very recently there is a committee which is called which is set up by the result Bank of India it is called Sudershan Sen committee this committee is set up so to do research on digital banking in India by the RBI this shows that even RBI wants to go digital so this will give you a lot of marks and then you mention about Financial Inclusion what is Financial Inclusion you want to include each and every person in the country in the financial bracket for that this is only possible only to technology because to reach out to each and every person through physical banks or brick-and-mortar is very very difficult so Oh technology can only help in financial inclusion and in venue mention financial inclusion you can mention about all the committee’s in financial inclusion like deep ohonta committee you know all these committees but now see here is one thing you are so far all you have is positive positive positive right it makes sa very linear very one directional what you also have to do is include slightly negative what are the challenges there are challenges in technology also for example in online banking there are cyber crimes so yes there are challenges but we need to overcome these challenges with the help of technology with the help of more secure technology and time has come now to embrace the technology because conclusion is technology is a great leveler leveler means it through technology the rich and the poor that divide that is there between the two the hiatus that is there between the two will get reduced with time so this is your conclusion that yes we should embrace as much technology as possible into the banking sector because technology places everyone on equal pedestal technology equals everyone so this is your conclusion so like that you have to design your essay so I hope this helped you somewhat this video helped you somewhat if you want that I share with you some great points on the burning 10 or 20 or you know most know asked topics or the topics which have very high probability of coming an example write in comments and I will bring that video by tomorrow evening but do write in comments only if I receive a significant number of comments will I bring that video to you so thanks for watching

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Bank cards, automobile financing, and Student Loans Affect Your capability to obtain home financing


If you’re considering purchasing a property within the next couple of years, there are some things you must know exactly how different sorts of financial obligation make a difference your credit rating. Some savvy economic preparation can place you lightyears ahead whenever you’re obtaining home financing later on.

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