credit-vs-debit-2While shopping this holiday season, remember that the Federal Reserve is closed on the holidays. Why does this matter, you may ask yourself. Well, here is why it matters:

  1. Signing for your purchases (choosing credit): When the Federal Reserve is closed, your transactions are not posted to your bank account or credit card in real-time. Basically it’s delayed until the next business day. So the money in your account from Friday isn’t the money you will have after Monday. You must deduct all of your receipts from your shopping adventure BEFORE you spend another penny to be sure that there is enough money to cover those gifts. If you have already done this- great, you should be set.
  2. When using debit (entering your PIN), the money is deducted immediately (real-time) and shows as pending on your account activity. This is the best option in my opinion; however, that choice is yours’ to make. So, if you choose to use method number (1), just follow the instructions provided.
  3. Balance your register (checkbook)- this will determine if you’re on point with your spending from the start and after the bank has updated their systems with all your holiday shopping. In this instance, on Tuesday night.

The most important thing about this post is to prevent insufficient fund fees from hitting your account. Being mindful of your spending habits/triggers will help to relieve anxiety before, during and after the holidays. Trust me, your friendly customer service representatives at the bank will thank you. winkingsmiley

My years of customer service training is definitely serving its purpose and I appreciate the opportunity to share with you some of my experiences in finance. Thanks for reading, remember to like, share, and/or comment!

Happy Holidays! See you next year. Until then..

Wishing you and yours peace, love, and prosperity

ET

*featured image credit to rightful owner

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giving back

Source: The ENTowner Build a Legacy, Inc.

Giving back to community. #Be about it , not just talk about it. #empower #knowledge #author#conscious

#love conquers all “…but above all things- be true to yourself and your purpose”~ ET

#entbuildalegacy #live your legacy, Walk in your #legacy. #abundance #inspire #motivate #educate

     This journey of self-discovery has been amazing. Also, very challenging. If you are a first time author, you know exactly what I mean. Even seasoned authors will attest to the amount of time and effort that goes into living in your purpose and how overwhelming it can be at times. For some it’s all about the fame and glory, if that’s all you’re in it for that’s fine. As for me, I have a different agenda and if fame and glory, riches and wealth come with it, that was a part of my destiny all along.

I’m so glad that I decided to walk out in faith although I almost didn’t because of fear of failure or not being perfect. Every post I share with you has been about my growth as an individual and I hope that my experiences in life will shed light on the power of believing in yourself, and persevering through uncertainty.

It’s been a long day and now I’m ready for some relaxation. So, I thought I’d type a few words here and call it a night. Look for my next few articles where I discuss some things I learned from self-publishing. Like whether it’s a good idea to use a vanity publisher or not and what to look out for if you do.

That’s all for now. Until next time…
Peace, Love, and Prosperity,
ET (signing off)

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“The focus should not be on money first- knowledge of self and spirit should be at the forefront first; otherwise one will only grow to identify themselves and/or their leadership THROUGH MONEY…” ~ Mandela Elliott

I agree wholeheartedly with this statement, then he goes on saying-

“…when one truly has knowledge of self tho’, he/she can discern and vibrate with real versus the fake from miles away and will be able to hold themselves more accountable of their choices, instead of being deceived and looking for the accountability or change from others.”

EXACTLY!

In my book, Journey Into Finance- I delve into understanding one’s triggers and the economic structure to improve their financial outlook and broaden their horizon’s once they begin their ascension to the next level in their lives.

journey-into-finance-1

Here’s what others are saying about JOURNEY INTO FINANCE (find it here- https://etjourne.com/my-favorite-things/) 5 of 5 STARS

“Read This And Find A Way To Keep More Of What You Work Hard For.”
by Amazon Customer on April 18, 2016
A well-written and extremely helpful book. E. N. Towner is sharing knowledge that can help others to make a real financial difference in their lives. I highly recommend this book for anyone who wants to be able to keep more of their hard earned $$.”

“Very informative”
by Amazon Customer on January 8, 2016
A must read !!!! Well written, concise, insightful and informative !!!!! Roslyn Owens

“Must Buy”
By Masheka Towner on January 11, 2016
Everything you need to begin your road To finance !!!
GREAT INVESTMENT!

“Five Stars”
ByAmazon Customeron January 15, 2016
Verified Purchase
very informative Excellent buy especially for young families.

“Great read and very informative”
by Amazon Customer on January 12, 2016
Lots of “gems” in this book. Great read and very informative. Would definitely recommend to a young family trying to establish themselves.

Thank you for reading and reviewing my work.

ET

View all my reviews

Thank you to those who shared their personal experiences (reviews) after reading Journey Into Finance.

Have a great day! Until next time…

Wishing you peace and prosperity,

ET