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 MoreSome banks cancelled or reduced Non Sufficient Funds (NSF) Fees and many account holders are very happy about this change. Why would banks cancel such profitable fees? Did they get a change of heart and decide to help struggling checking account customers? Not exactly. Other banks with less overhead expenses are not charging NSF Fees, […]
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 all have had family and/or friends ask for favors related to money. They ask because they know that you are responsible with your money. Or at least you have more money than they do. One of the most common favors is to ask to borrow money…with a promise of quick repayment. You decide whether […]
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 MoreImpulsive spending is buying something without previously planning to make that purchase. How many times have you gone into a store with one item in mind but left the store with something or somethings completely different? And it ended up costing a lot more. The result is usually that you just increased your credit card […]
Read MoreWaiting is not something a lot of people like to do. We live in a world where most people want things right now. And in most cases they can get what they want right now. However, just because you can get it now does not mean that it is always best for you. Especially, when […]
Read MoreThere are some people who love a good sale. They have plans about what to do, how to handle the sale, how many items to buy, who to tell, etc. Sometimes when they make purchases from a sale, they actually use the item or product they purchase. Often, it does not matter whether or not […]
Read MoreThe coronavirus pandemic has caused many of us to change the way we lived. Masks, sanitizers, social distancing, etc. Life has changed and we are adjusting to a new normal. Part of the change includes many people struggling financially because they have lost their jobs, business has decreased, or they needed to leave their employment […]
Read MoreThe messages we heard and/or saw when we were children had the ability to shape us, make us, and/or break us. Some of the messages were positive, while others were negative. Here are examples of some money messages: I’ll never have enough money. When I’m feeling down or bored, I go shopping. If I have […]
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