11 reasons to get out of debt and enjoy your life. When I had a lot of debt, I didn’t enjoy life and I certainly wasn’t at peace. Fast forward to the present and I am now financially happy, secure and at peace. I did it and you can do it too. Need a coach? Someone to...
How I went from living in an apartment as a single mom to owning a home. There I was sitting in my overstuffed rocking chair, in my 2-bedroom apartment. I was wondering if I was going to live in an apartment for the rest of my life as a single mom/woman. My biggest...
When shopping, do you have to be very careful about how much you spend at the grocery store? If you said “yes”, I totally understand. As a matter of fact, I lived this way when I had too much debt, living paycheck to paycheck. If you are living paycheck to paycheck...
The best way to start saving money when living paycheck to paycheck is to create a budget. Equally important, live life from a thankful standpoint. This makes you feel like you already have enough. Likewise, it’s important to start creating new habits and change old...
You decided to make the decision to start and Launch an online blog business. It’s super exciting until you start realizing you may be in over your head a little. At the same time, you are wondering how long it’s going to take to finish building your website. Despite...
In my experience, the best way to save for for Christmas is with a budget. Especially if you are living paycheck to paycheck. I didn’t always have a budget. As a matter of fact, when my kids were young, I budgeted for Christmas that lasted for two months. For example,...
Can you feel the financial stress building when it’s time to pay for kids’ Extracurricular activities? I used to feel the same way! After the sporting fee’s, then comes the equipment, uniforms and accessories they need to play the sport. It all becomes a large...
Every year, at the same time, my Amazon Prime membership comes due. My biggest problem was making room for the payment in my budget. Sure, I could make the payment, but there was always something else I was hoping to purchase. What I really wanted was a better way to...
If you are like me, you want to save as much money on your auto insurance as you possibly can. You no longer have to wish you could save $100+ on auto insurance when the bill comes in the mail. Ultimately, I am here to tell you how to save $200+ on your auto insurance...
I received a text message for TV Services that was a scam! Here are some tips on how to deal with it. Honestly, I was shocked. This has never happened to me until October 2020! My credit card information has been stolen a few times now. Here is an articles on Pro Tips...
Reach out to your mortgage company for help if you are struggling to make your monthly mortgage payments during COVID-19. Through the CARES Act, homeowners are able to reach out to their mortgage companies and inform them they are suffering a hardship and unable to...
So there I was, sitting at the table, with a cup of coffee ready to pay my bills. Much to my surprise there were four charges on my credit card app for about $450 that I did not make. My credit card # was stolen! Lucky for me, I worked at a Community Bank...
You can think of a credit card as a small loan, that is interest free for approximately 30 days. I say approximately, because it depends on when you make the purchase on your credit card and when your statement is produced. For example, if you make a purchase on your...
The first step to repair your credit report is to get a copy of your credit report to verify there are no errors. However, if you do find errors, you will want to dispute them right away. Meanwhile, you will want to make your payments on time and pay off debts,...
Establishing Credit When you are just starting out, you do not have a credit score. What this means is that you do not have any established credit. You do not have any loans, credit cards or mortgages to show how you make monthly payments. Established credit shows how...
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