This couple's credit could have torn them apart. Now they're living the American dream.

When Cashia and Terrance Bryant first met, they knew they had something special. But Cashia was keeping something important from her man.

Photo courtesy of the Bryants.

The couple, who has now been married for two years, connected very quickly. After a short time together, they knew that their love was real, (even though they still argue about who said "I love you" first).


However, before they could take their relationship to the next level, Cashia had to come clean about something that had been worrying her since the start of their relationship — her bad credit.

“I didn't tell you for a long time because I was so scared you were gonna run," Cashia admits to Terrance.

Cashia's bad credit has been following her since she was 18-years-old.

Photo via Upworthy.

As a 42-year-old woman, Cashia knows how to build up and retain good credit. But when the family therapist was 18 years old, she had no idea what responsibility came with owning a credit card. She also racked up some considerable student loans.

Unfortunately, that has affected Cashia's credit up until this day.

And she's not only one with credit issues. Terrance's credit isn't where he'd like it to be either, and when he has money, a good portion of it goes to supporting his 17-year-old daughter, Ty'asia.

The couple's been making progress, though, because they have a major goal ahead of them. They want to own a house by next year.

Photo via Upworthy.

At first, this goal seemed completely insurmountable. How could two (now successful) people with low credit afford to own their own place?

In order to get to on the right path, Cashia and Terrance had to take a long look at their finances and make the decision to save rather than spend. It's easier said than done, and considering where they're at in their lives — with so many expenses that need to be taken care of right now — it sometimes felt like they were chasing an impossible dream.

While it took hard work and patience, the Bryants are now much closer to making their dream a reality.

Here's how they're doing it:

First, the couple dissected how much money they bring in versus how much goes out each month. Based on that information, Cashia created an aggressive budget for the pair — one that cuts down on spending while still allowing them to have a little fun as they save for a down payment.

As they get into the habit of saving, they're crafting a future in which making wise financial decisions comes easily and naturally to them.

Due to their lower credit scores, the Bryants may have to put more money down on the house they eventually choose, but thanks to their financial planning efforts, that's no longer an insurmountable task.

Ultimately, the process of buying a house is bringing the couple closer together. While the decisions that they've had to make have been difficult, sharing this mutual goal is like a recommitment to each other.

And all their planning and saving has made it possible for them to afford a down payment on a house next year. With that hurdle behind them, they can now pursue their greater goal beyond home ownership.

"We want our own family," says Cashia "I want our baby to experience a home."

"It took both of us," Terrance beams. "I'm glad we found each other."

To learn more about the Bryant's journey to homeownership, check out this video:

Personal Finance
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Capital One

Andy Grammer, the pop singer and songwriter behind feel-good tunes like "Keep Your Head Up," "Back Home," and "Don't Give Up on Me," has a new album out—and it is seriously fabulous. Titled simply "Naive," Grammer says it's "all about how seeing the good in todays world can feel like a rebellious act."

"I wrote this album for the light bringers," Grammer shared on Facebook. "The people who choose to see the good even in the overwhelming chaos of the bad. The smilers who fight brick by brick to build an authentic smile everyday, even when it seems like an impossible thing to do. For those who have been marginalized as 'sweet' or 'cute' or 'less powerful' for being overly positive. To me optimism is a war to be fought, possibly the most important one. If I am speaking to you and you are relating to it then know I made this album for you. You are my tribe. I love you and I hope it serves you. Don't let the world turn down your shine, we all so badly need it."

Reading that, it's easy to think maybe he really is naive, but Grammer's positivity isn't due to nothing difficult ever happening in his life. His mom, Kathy, died of breast cancer when Grammer was 25. He and his mother were very close, and her life and death had a huge impact on him.

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Culture
via Stratford Festival / Twitter

Service dogs are invaluable to their owners because they are able to help in so many different ways.

They're trained to retrieve dropped Items, open and close doors, help their owners remove their clothes, transport medications, navigate busy areas such as airports, provide visual assistance, and even give psychological help.

The service dog trainers at K-9 Country Inn Working Service Dogs in Canada want those who require service dogs to live the fullest life possible, so they're training dogs on how to attend a theatrical performance.

The adorable photos of the dogs made their way to social media where they quickly went viral.

On August 15, a dozen dogs from Golden Retrievers to poodles, were treated to a performance of "Billy Elliott" at the Stratford Festival in Ontario, Canada. This was a special "relaxed performance" featuring quieter sound effects and lighting, designed for those with sensory issues.

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"It's important to prepare the dogs for any activity the handler may like to attend," Laura Mackenzie, owner and head trainer at K-9 Country Inn Working Service Dogs, told CBC.

"The theater gives us the opportunity to expose the dogs to different stimuli such as lights, loud noises, and movement of varying degrees," she continued. "The dogs must remain relaxed in tight quarters for an extended period of time."

The dogs got to enjoy the show from their own seats and took a break with everyone else during intermission. They were able to familiarize themselves with the theater experience so they know how to navigate through crowds and fit into tight bathroom stalls.

via Stratford Festival / Twitter


via Stratford Festival / Twitter


via Stratford Festival / Twitter

"About a dozen dogs came to our relaxed performance, and they were all extremely well-behaved," says Stratford Festival spokesperson Ann Swerdfager. "I was in the lobby when they came in, then they took their seats, then got out of their seats at intermission and went back — all of the things we learn as humans when we start going to the theater."

RELATED: This sneaky guide dog is too pure for this world. A hilarious video proves it.

The dogs' great performance at the trial run means that people who require service animals can have the freedom to enjoy special experiences like going to the theater.

"It's wonderful that going to the theater is considered one of the things that you want to train a service dog for, rather than thinking that theater is out of reach for people who require a service animal, because it isn't," Swerdfager said.

The Stratford Festival runs through Nov. 10 and features productions of "The Merry Wives of Windsor," "The Neverending Story," "Othello," "Billy Elliot," "Little Shop of Horrors," "The Crucible" and more.

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via Blessing Manifesting / Instagram

Learning your emotional triggers on your own is one thing but figuring out your triggers in a relationship adds another layer of intensity. Maybe you're afraid of being abandoned or want to feel the need to push the other person away but you don't know why.

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