How To Stop The Student Loan Mafia From Taking Your Tax Return

By: Calvin O’Neal Russell Jr – Certified FICO Professional I remember it like it was yesterday. I walked inside of the tax place and the lady was very professional. She explained to me how taxes worked and how people always ended up getting refunds. Of course, I asked how can I get one. She told me

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Why You Must Increase Your Financial Self-Awareness To Slay Your Financial Goals

Hey Mr. DJ Ever hear a song that you don’t really like on the radio, but because they play it so often, it kind of gets stuck in your head? We all have. It’s definitely annoying,  but there is no real harm in having a corny song take up some temporary head space before being

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6 Simple Steps to Save 50% of Your Income

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

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What Is 680 Credit Score Bank?

Written By: Calvin O’Neal Russell Jr – Certified FICO Professional Not too long ago, one of my clients applied for a credit card at a “680 Credit Score Bank.” After putting in the application, he was denied and decided that he would never apply for a credit card again. I explained to him that is

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How To Use Your Tax Refund When Financing A Car With Bad Credit

One of the most anticipated times of the year is well among us all. That time is…. TAX TIME! Some people love it and some people hate it! Either way, if you are expecting a refund from your tax return, sometimes it may be difficult on which route is best to go if you are

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22 Ways To Stay Motivated and Positive When Making Financial Changes Becomes Difficult

On some days, paying those bills on time and being serious about making extra money to increase your net worth can be a struggle. I promise you that there will be days you will feel afraid, defeated, and overwhelmed. But there is a saying that goes, “adversity introduces a (wo)man to herself.” When building your

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How Do I Use Money As a Tool to Live My Juiciest Life? Here are Three Steps

Do you know of a woman that, despite not-so-great circumstances, keeps it positive and looks at the world through a lens of hope, faith, and overall positivity?  She has confidence, stays calm, and knows her purpose in life? Her light and energy are contagious and you just want to soak it all in? Then, you

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4 Ways To Put Your Financial Needs First

Putting yourself first is probably the best thing that you can do for the longevity of your finances and your peace of mind. All of your dreams, passions, and short-term goals, no matter how big or small have a price tag. But in order to realize any of them, you have to get into the

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Three Simple Ways To Rebuild Your Credit

Rebuilding credit can seem like a frustrating task. Many consumers give up and eventually file for bankruptcy, which is the worst decision to make as this will make future credit building more difficult. After viewing over 50-60 credit reports per day, I have personally seen consumers bounce back into the high 600’s and 700’s in

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4 Ways to Combat the “I’m Rich on Payday” Feeling

Have you ever looked at your bank account on payday and felt like you were rich? Did the increase in your account start to make you excited and anxious? Did that money start to burn a hole in your pocket and you just had to spend it to treat yourself for working hard over the

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