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Gratitude

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fall

“We always have so much to be thankful for, if we only pay attention.”

ET

How to Build (new) or Rebuild (existing) Credit

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Mastering the Basics  One of the keys to mastering personal finance, is to learn how to establish and maintain an above average FICO Score. I speak more about FICO scores in the course on Understanding Your Credit.

Let’s face it, if your credit is less than perfect, or you have no credit at all, life can be downright depressing. “How can you get credit when no bank will approve it because you don’t have any?!” I hear this a lot from the youth I mentor. I know and understand it’s difficult; however, there are ways to get over this obstacle in life. The first step is to apply for a secured credit card. Now, most of the card companies will want you to have some source of verifiable income, make a deposit into a savings account as collateral,pay an annual fee, and may check your credit qualifications–don’t worry about it. Make sure to read the fine print and pick the one that gives you the lowest interest rate for you to work with. I’ll list links from a credit expert for review on three level credit card companies at the bottom of this blog post. Read the rest of this entry »

Where Have All The Flowers Gone?

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fallGreetings! The last time I published a post was in July during the summer months when there were flowers blooming, insects buzzing, and the sun beaming down relentlessly on us. My how time flies. That was three months ago. So, let’s catch up.

My previous post was all about lights, camera, and action. Well, I participated in a Mics, Camera, Action seminar since, and it was packed with information on building wealth, running a business, and delivering your best to your clientele. Awesomeness is what I’d like to call that group of women (oh, and one man.) 🙂  I wasn’t feeling my best for about a month due to a neck injury that had me laid up in bed. But through physical therapy, and numerous doctor visits, I’m back up on my feet and working again. Talk about being grateful- that I am! When I became incapacitated, I appreciated the little things that many take for granted- you know, the ability to walk up straight, and run, have feeling in your fingers and full range of motion in your arms and neck without pain. Now that I have regained the use of my limbs, I’m ready to get back to work. Health equals wealth, indeed.

But wait a minute- I look around and see that the season has changed- thus the title of this blog post, “Where have all the flowers gone?” It’s fall, one of my favorite seasons- a time to let go of the old and cuddle up for the winter before spring brings in the new and all over again.

Well, that’s what’s been happening in my world. Hope everyone is feeling well and getting ready for the holidays.While I had some time off- I read a few books:

The Magic by Rhonda Byrne

Killer Genius by Steven Van Patten

The Book of 11:11 Quotes by Ralph Smart

Excellent reading material, a combination of mystery, knowledge, and inspiration. Just what my soul needed.

During my time away, I’ve finally connected with a publishing consultant and team to help with the final draft to be released by December 2015. Just in time to help keep friends and family on track with their personal budgets for the holidays!

That’s all for now, until next time…

Wishing you peace and prosperity,

ET