My husband and I have always toyed with the idea of living off of fifty percent of our incomes— not necessarily because one of us wants to quit our job right now, (ummm…that’s really not true…so let me stop LOL) but because we are serious about wealth and understand that our daily decisions impact our
Read MoreDespite a miserable financial reality—bounced checks, late mortgage payments, bank overdrafts, inner turmoil, and lack of sleep—you will still find people telling you that they can’t afford to save. The reality is that they can’t afford not to save. Helping a friend or a loved one move from the “I Can’t Afford to Save” mentality
Read MoreA few years ago, I was walking in the mall and overheard a business owner trying to convince a woman to use her tax return to purchase a weave. She said that her hair was an investment. I didn’t stick around long enough to hear the customer’s response, but in my mind, I was thinking, “Buying
Read MoreOne of the interesting things that I see as a personal finance coach supporting black women regain control of their finances is that these women are in debt or have bad credit , not because they are poorly compensated and, as a result, have to resort to charging basic necessities on their credit cards, but
Read MoreI work with a lot of women that control the purse strings in the home but find themselves struggling to meet their families’ savings goals. When we sit down and do a deep dive and analysis of their budget, one of the biggest money wasters is food— whether it is overspending on groceries, letting food
Read MoreWedding season is in full force, and if you are trying to be frugal because you don’t have the extra money to spend or you are trying to pay off debt, then this can be a scary time. Please note, if you are a bridesmaid, then you definitely should read this article about cost saving
Read MoreThe holiday season is not only a time for giving; it’s also a time for taking. Yes, it’s sad but true. While you may be thinking of ways to spread holiday cheer, there are those among us plotting and scheming of ways to separate you from your money and all of your holiday purchases. But
Read MoreOver 80% of Americans have debt: mortgages, car loans, credit card loans etc. You likely fall in that number and you likely want to pay off your debt. Whether you’re the type of person who is really good about making sure you pay more than the minimum payment every month or you’re struggling to do
Read MoreIts the most wonderful time of the year! Or should I play that damn Temptations Christmas Album my mom would wear out!!! LOL!!! Ahhh, those were the days. Anyway, I want to go over how to Maintain Good Credit During The Holidays and maintaining a good credit score while still shopping for gifts and such.
Read MoreThe holiday season can be very stressful for a number of reasons. People may feel alone, there is more traffic than normal in the malls, and there is the pressure to buy the perfect gift. It can definitely be overwhelming, but here are some tips on how to stay calm, maintain your sanity, and actually
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