Rules to live by ⬇️ ⚡️6+ months emergency savings Having a good chunk in savings helps keep you out of debt when those inevitable life expenses pop up (hello new car transmission) Bonus tip: keep you emergency fund in a HYSA to have your money make money! ⚡️20% of income needs to be in long-term investments If you’re money is working FOR you, then you’re doing it wrong ⚡️ZERO credit card debt I use credit cards to get travel rewards and cash back, but I pay the balance off every p...

Having a zero balance on your credit card may affect your credit score, but it depends on whether your credit report shows a zero balance.

Let’s do something a little crazy... 👀 And make a promise to each other that we aren’t going to keep normalizing credit card debt. Pinky promise? 🤙 I know times are tough. And incomes can fall short of the cost of needs. But we can at least give getting rid of debt a chance, right? Here’s how we can do that: 1️⃣ Recognize our credit limit isn’t extra spendable income Just because we ✨CAN✨ spend that much doesn’t mean we should. College Kait did spend up to that max and think it was sp...

As someone who loves maximizing credit cards rewards, here are the credit cards in my wallet, and an explanation of why I have them.

Here's a basic guide to getting out and staying out of debt. There are quite a few more resources out there but this is a good starting point. 1. Make the Resolution: Spend less than you make. This is a tough one. Spending more money than you earn is common practice in the U.S., and increasingly in other countries around the world. Learn to just say “No.” You must learn to say no to yourself, your spouse/partner, and your children. This is called delayed gratification. It is essential to…

being debt free is a good reason to smile! thanks to Dave Ramsey's financial peace university, I am on the way to financial freedom! credit card debt is all paid off, student loans are next!!

Correct me if I’m wrong, but I’m pretty sure the collective millennial dream is to fully pay off their personal debt before they die. It’s a simple dream but is it an attainable one? As of March 2019, the New York Federal Reserve said millennials have accumulated over one trillion dollars in debt.

Photo about Close up of the words ‘Debt Free!’ written on a calendar in capital letters, in black marker pen. Image of conceptual, debt, achievement - 22152867

In the middle of packing boxes 📦 a client sends me screenshots of her latest score increase and some items that have been removed from her credit report! Still the best in the credit game, however you have to take action, inquiring just isn’t enough! IJS 🤷🏻‍♀️🤷🏻‍♀️🤷🏻‍♀️ Enrolled in our program 🚀 and followed our blueprint 𝐖𝐞𝐥𝐜𝐨𝐦𝐞 𝐭𝐨 𝐭𝐡𝐞 𝟕𝟎𝟎’𝐬 𝐂𝐥𝐮𝐛‼️‼️‼️ 50+ point increase