Ralph Marston wrote, “Every time you interact with someone else, you have the opportunity to give that person some kind of value. Whether it is a thing, or a thought, a gesture or a kind word, the most powerful gifts are those that come straight from the heart.” Isn’t that a beautiful thought? And it’s… Read More A Beautiful Thought
For the past year I have been giving away a lot of my knowledge (not everything – a girl must have some secrets, right?) for free. I have started a free Facebook group for women who want to be educated in regards to handling their money responsibly and have a safe community to share their… Read More Consulting Calls
Did you know that gratitude and giving actually improve your health? Really. There have been studies done and they all show that people are much more likely to sleep better, have stronger marriages, are kinder and are in general more positive people. Gratitude and giving go hand in hand. Giving makes you less selfish and… Read More Gratitude and Giving
Your credit report has a lot of information on it. Some of it is necessary for banks and credit unions to make decisions as to whether or not to lend you money. Some of it is arbitrary and has absolutely not bearing on whether or not you are credit worthy. And yet there is quite… Read More Learn to read your credit report
When I worked as a loan officer, there were a number of different factors I had to take into account before I could give someone a loan. I not only had to look at their credit report or their FICO score, I had to look at their full financial picture. How much money did they… Read More Why is it important to have your Credit in order?
Equifax, one of the three major credit reporting agencies in the U.S., announced a data breach that affects 143 million consumers back in the fall. Because of this they are offering free credit monitoring and the opportunity to see if your information has been compromised. Even if your information has been compromised and you are… Read More What is a credit freeze? Do you need one if your information was breeched?
There are 3 credit bureaus: Experian, Equifax and TransUnion. Sometimes information will show up on one credit report and not another. In order to make sure your information is correct, you should review all 3 reports – you can obtain a free copy of each report from annualcreditreport.com. You will not however, receive your FICO… Read More Credit reports and FICO scores
When it comes to money, do you fear not having enough? Do you fear that if an emergency happens you won’t be able to afford it? What causes that fear? Why do you feel afraid? I have always joked that I needed an emergency fund for my emergency fund. Not funny but kind of true.… Read More Fear, Money and Grace
There are 44.2 million Americans with student loan debt. Unbelievable, right? I, thankfully, graduated with very little debt for my 4 year out-of-state private college. I had $15000 in Federal student loans and I was able to consolidate them into an extremely low rate (like under 5%) for 15 years as soon as I graduated. My… Read More Are student loans worth it?
Planning for retirement is a necessity. It is going to happen, like it or not. You are getting older and that in itself is a reason to begin thinking about the process of saving for retirement if you haven’t. Most employers offer a 401(k) or retirement program. Depending on the company, they may even match… Read More Planning for Retirement