I have clients that get so stressed out when they totally screw up a certain category on their budget – gas, savings, groceries (a big one!), etc. Trust me when I say this is the norm! The key is to accept it, adjust as needed,
If you try to be a stickler to everything you budgeted on your spreadsheet or in your app, you’re going to drive yourself crazy. Life happens. Have reasonable expectations, try to prepare as best you can, and put aside some money to have fun! Don’t
I remember when I first started working in Credit Counseling, I was giving a percentage sheet to help people develop a spending plan using these percentages as a target. For most it was just too unrealistic for where they were at now. Insert the 50/20/30
It’s no secret that the word “Budget” gets a bad name. Most people feel it’s a way to restrict or to constantly watch every penny, nickel, dime they spend, although that can be apart of it, it’s not the ultimate goal. The ultimate goal is
It’s not secret that in order to stay out of debt is to stop creating new debt, right? One trick is to not even tempt yourself by taking a credit card with you when you go to the store, mall, restaurant, etc. Cash and your
Q: I have one collection on my credit report and I really want it gone! It’s from a debt in 2012 and it will be removed from my reports in August of 2019 per Equifax. Do you think I should have them validate it? My
Q & A Friday: Hey Hey It’s Q & A Friday! Don’t forget to join me for a live Q & A on Periscope at 12p cst!!! Q: I applied for a few store credit cards over the labor day weekend and my scores dropped
Finally 🙂 Happy Friday, it’s Q & A Time!!! Today’s Question: Hi Netiva, using your dispute letters and videos on Periscope I was able to get my judgment deleted!!!! My scores increased by 52 points, do I have to still pay this or can I
I encounter a lot of consumers who are hanging on to sub-prime credit cards because they fear they’ll lose the good payment history and age associated with the credit card right away. That’s not true. FICO’s length of age accounts for up to 15% of
Happy Tuesday 🙂 Last week I had about 4 people get sued and one that had a dormant judgment petitioned to be revived. Why? Because they wanted every single negative item removed from their credit reports. If a debt that is within your statute of
