By: Kara Stevens
Credit isn’t bad; the misuse of credit is bad. Credit can be very dangerous in the hands of an impulse spender or a person who defines herself by her closet. This can cause that individual to go into a lot of debt. However, if used wisely credit can be very helpful. Let’s face it. Our
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By: Kara Stevens
As human beings we get fantastic ideas, have the energy and excitement to implement them only to find ourselves struggling a few weeks or even days later. And such is my journey to financial freedom that I’m sharing with you. Understanding the five Stages of Change has been helpful for me to have compassion for myself when
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By: Kara Stevens
My current reading situation is Dr. Dennis Kimbro’s The Wealth Choice. According to his work, there are 35,000 black millionaires in the US today. When I came across this number, I was a little a lot underwhelmed. I started to wonder how many more of us could be millionaires if we could just get our
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By: Kara Stevens
Have you ever noticed how you are motivated to change, talk about change, begin to change, and then stop? Whether it’s saving money, losing weight, or cutting back on drinking when it comes to making lifestyle changes it’s hard! At the end of the summer I was ready to let go of and change some
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By: Kara Stevens
If there was one book that totally transformed my approach towards money, it had to be the Automatic Millionaire by David Bach. This book taught me that if I want to be successful with savings and investing, then you must make it automatic. The brilliance behind this concept is you can’t spend what you don’t
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By: Kara Stevens
One 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
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By: Kara Stevens
I’ve often mentioned managing your time effectively, because time is the one thing that you cannot get back. This has been increasingly important for me because I have a ton of things on my plate and I am kind of Type A so I think that I can do everything. When you look at your
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By: Kara Stevens
I was speaking to a girlfriend that was looking for advice on how to manage her finances better. She was proud to share that she had no debt, but when it came to savings, she had none. Living Beyond Your Means I know for some, this is a hard concept to grasp. We usually hear
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By: Kara Stevens
After working in the automobile industry for 4 years and selling close to 500 cars in less than 3 years, one of the most frequent questions I get is “How Can I Lower My Car Payment?” Of course, your credit score will play a role as this will determine if lowering your car payment is
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By: Kara Stevens
Take Inventory for clothing and supplies. Before you start shopping for new items, search your house and take inventory of all of the clothing and supplies that you have. Identify which supplies will be needed in the upcoming year, and then check those off of the teacher’s supply list. Once you identify all of the
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