Category: Credit

Be Prepared For Opportunities

Whitney M. Young, Jr. said, “It is better to be prepared for an opportunity and not have one than to have an opportunity and not be prepared.” So often people decide to get their money or credit right when they want to buy a house. That is not a bad thing. However, when asked when […]

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Dirty Little Secret – Part 3

  Victims of financial abuse are made financially dependent on and by their abusers, then the rug is pulled out from under them. Usually, the rug is pulled out when they or their spouse or partner leaves. Unfortunately, this is the point when the victim discovers that they have been left holding the bag that […]

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Refund Jackpot

Tax refund season has been called several things including, Christmas in March and the poor peoples lottery, among other things. Remember, “poor” is not just related to the amount of your income but is also a mindset. Several people are used to getting tax refunds of over $5,000 every year and go on shopping sprees […]

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Trust The Process

Many people want results associated with financial success, but they do not want to go through the process. No matter what the goal, there is always a shortcut. But shortcuts can lead to less than the desired results. People like to take shortcuts so they can do less work. If doing less work means working […]

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Rebuilding Credit

One of the major pitfalls of no financial education is bad credit. When you were young with little or no credit, creditors were lining up to give you credit. Since nobody taught you about credit or how to successfully manage it, you most likely ended up with late payments, collections, and a lower than desirable […]

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“Credit” Report for Checking Accounts

Most of us are familiar with the fact that the way you use credit is important and reported to credit bureaus. In fact, your ability to get credit is largely based on reporting and scores from credit bureaus. Click here to get more information about credit scores. Did you know there is also a consumer […]

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You Can Have It All

Glitz and glamour attract us and the promise of status and prestige reel us in. Advertisers and marketers know just what to say and know exactly how to present products and services to get us to give them our money, even if we have to borrow it. Their goal is to make us say, “I […]

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Is It Too Early to Start Saving for the Holidays?

Trick question. It’s never too early to start saving. With that in mind, here are some tips and strategies to help you build your holiday shopping nest egg. It’s almost spooky Halloween time which means it’s almost Thanksgiving time which means it’s almost time for both of those times to be ignored in favor of […]

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23 Reasons Why You’ll Always Be Broke

By ELYSSA KIRKHAM / GOBANKINGRATES May 6, 2016 Many Americans are clearly not experts at managing their own finances and end up broke month after month. The cycle of overspending leaves them poor, even if their income means they are considered well above the poverty line. A third of higher-income households — those that bring in […]

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It’s Never Too Late To Change

Usually when I do financial education seminars or classes most of the attendees are over 40 years old unless the seminar is specifically for students and/or a young audience. I have nothing against the older attendees because the information I present is relevant for all age groups. However, I wish more young people would attend […]

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