Do pre-qualifications and loan offers excite you? Do they make you feel validated? Do they give you a sense of worthiness? Be careful! If you don’t need a credit card or loan, then don’t apply for it. You are already worthy! Usually, you are getting the pre-approvals or pre-qualifications because you have put in the […]
Read MoreThe Book of Genesis in The Bible is full of important stories. Recently, I began to think about one story in particular and how it relates to finances and money management. Many of us are familiar with the story of Joseph, “The Dreamer”, from Sunday School. Others became acquainted with the story via the DreamWorks […]
Read MoreIs today is payday for you? Payday means different things for everyone, including an instant deduction and reduction because of NSF Fees. For some it means getting caught up on late bills. For others it means splurging because they have been living on next to nothing for the past few days. While for others […]
Read MoreWe have often heard that change is constant. Everything changes but not always when we would like it to change. When it comes to money, many of us realize that something has to change so we can get more and/or keep more of our money. The most important thing that has to change is our […]
Read MoreMost adults know the importance of credit. We know that without good or decent credit you can almost kiss many of your dreams good bye. You need credit to buy a home and cars you cannot afford to buy with cash. Every day young people are becoming adults and asking, “How do I build credit?” […]
Read More“I don’t know where my money is going!” Have you ever said this before? One of my coaching clients came to me with this common complaint. He had a six figure income, but he was having trouble paying his bills. He saw his money coming in, but he did not see where it was going. […]
Read MoreGod and money make many people think about tithing. Tithing is the practice of giving 10% of your income to the church. The second thing we think about is the scripture Malachi 3:8 – 10. Many Christians can quote these verses by heart because they have heard them so many times in church. Especially during […]
Read MoreMost, if not all, of us want to make a positive change in our lives. This is not new information. In fact, most of us have all of the information we need to make the change. We have watched videos, listened to speakers, and talked it over with more than one other person. Yet, we […]
Read MoreWhen many people think about marriage they think about love and romance. They have plans and goals. They are looking forward to starting a life together. One of the last things on your mind – well, maybe at the back of your mind – is money. However, money is one of the leading causes of […]
Read MoreHow long does it take to pay off $3,562 in loans if you are paying $1,318 per month in payments? 8 months if your Annual Percentage Rate (APR) is between 331% and 575%! Unbelievable, right?! One of my clients was paying those amounts. Every month he was paying $1,318 ($659 per check). Most of the […]
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