Moving to another country that you are not use to requires a huge adjustment. I can say that I did a lot of it when I move here in the states 3 years ago. The first year was very hard and all I want to do is to go back home. I was having hard time adjusting to their culture and just everything else here. But I thank God that I was able to conquer it with the help of my husband.
Along with my adjustment, I was also amazed with their rules over here. For example, in getting credit, in the country where I come from Philippines to exact, they prefer to loan people who has no other credit to a particular company. Unlike here, we do not do credit scores over there. We do investigate if somebody is making a loan. Here in the states, the poorer your credit score is, the more tougher you can get a credit.
I am very particular with our credit score. I always make sure it is stable or as much as possible bring it higher for a better reference. Right now I am very happy with our credit score and good thing also because we talk about buying our own house soon so this could help us big time in purchasing it. This means that we have a huge chance of getting it with affordability in our pocket. That is what we are really shooting for with a lower monthly mortgage because we have an excellent credit score.