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
Read MoreI’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
Read MoreI 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
Read MoreAfter 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
Read MoreTake 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
Read MoreHappy Wednesday Frugal Feministas! Today we have the final installment of the Is a Financially Fit Man Hard to find? Let’s Discuss! Was Vanessa able to find a man on a good financial wavelength? Keep reading to find out! So, I’ve met someone new who caused me to notice he was different from my previous
Read MoreFICO was founded in 1956 as Fair, Isaac and Company by engineer William Fair and mathematician Earl Isaac. The company debuted its first general-purpose FICO score in 1989 and by 2005, they sold their 10 Millionth Score! Watch this short video on what the score is and why it matters. Every day, thousands of U.S. lenders use FICO Scores
Read MoreWhen I was focused on eliminating my graduate school student loans of $40,000, I entered into hustle mode. Hustle mode is when you focus on finding ways to increase your income through sales and entrepreneurship instead of through decreasing your expenditure, getting a second job, or hard-core savings. Don’t get me wrong; both strategies (increasing
Read MoreMany young adults apply for student and auto loans only to get denied because of low credit score. Some of them have no idea how to build credit or how to start on the right path. That is usually when the parents come in. Some parents show their children how to build credit, some build
Read MoreAbout 32% of Americans have a household budget. Having a budget it an amazing start, but it is not enough. You have to know how to follow it. Last week I discussed the steps that you need to follow to develop a budget for the holiday season. This week I want to share 5 strategies
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