Maintaining an accurate credit history is an important part of your personal finance life. Even if you are not seeking financing, credit reports are used for in other aspects of life like employment, insurance and other non-debt related purposes. So making sure the information on your report is correct is imperative. The Federal government allows everyone to get a free copy of their credit report from all three major reporting bureaus. This is...
Honorable Mentions Until Next Time♥… Connect with Me... Facebook - Email - YouTube .For speaking, group or personal financial coaching inquiries, click here. .Like what you see? Try Canva for free. .Disclaimer
Thinking about your financial future and how to make it happen As the end of 2023 approaches, we begin to think more about the coming New Year. We are currently about five days until Christmas and only 12 days until 2024. Where does the time go? Anyway, we begin to wonder what the New Year will bring. Good, bad, more of the same? However, I encourage you to not just wonder in passing, but to take some time in these next 12 days to sit quietly...
Dave Ramsey, American radio personality who offers financial advice, said something that has stuck with me over the years, “name your money”. You may be wondering what that means. Well, to put is simply, EVERY DOLLAR when it comes into your home should have a JOB. Money should not be just “hanging around” without purpose. You have traded your time and energy to earn money, so it should be working hard to provide for your household. Pay...
Credit Cards. The “OG” of the buy now pay later clan. People either love them, hate them or, in some cases, fear them. The Love: Credit cards are convenient. They often come with benefits, discounts and various perks for cardholders. When used correctly, credit cards can be helpful in managing your personal finances. The Hate: It is very easy to get in over your head with credit cards. Credit cards are expensive with some of the highest...
Maybe you, or your spouse, made a bad business decision, went a little too crazy with the credit cards, quit your job in anger, or some other action and it put your financial life in jeopardy. Maybe you have spent the last few weeks, months, even years, getting your finances back on track. And maybe, just maybe, because of all you’ve gone through, you don’t trust yourself anymore. EVEN when you’ve done your research and know the decision...
Until Next Time♥… Connect with Me... Facebook - Email - YouTube . For speaking, group or personal financial coaching inquiries, click here. . Like what you see? Try Canva for free. . Disclaimer
As the end of the year approaches, things can get busy and you can be stretched a little thin. So a little self-care, enjoying a cup of tea cozy in bed, slipping into a warm, or hot bubble bath listening to your favorite playlist, or just sitting and soaking in the quiet, is well worth your time. However, what about a little “financial self-care”? It is just as important and like its cousin, can be well worth your time. What is Financial...
Creating a Spending Plan for the Holidays The holidays are here! Do you have a plan to avoid overspending and suffering credit card shock in January? Let's not start our 2024 like that. Instead let's take time to plan out our holidays and begin the new year with minimal or even ZERO holiday debt. How you say? Glad you asked. Here are 5 quick tips to help you stay within budget for the holidays 1. Decide what you are going...
The holiday season is upon us. Some of us are already planning Thanksgiving dinner. As usual, the holidays cause me to reminisce about holidays gone by. You know like when I was a kid, or when my sons where children. When I think back, I can immediately see lots of things I miss…like my Dad and Mom, my Mom’s cooking (LOL), the carefreeness of my childhood, the excitement my boys had about the holidays and…Layaways. Yep, you read that...
