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4 No Brainer Ways to Avoid More Debt During the Holidays

Over 80% of Americans have debt: mortgages, car loans, credit card loans etc. You likely fall in that number and you likely want to pay off your debt. Whether you’re the type of person who is really good about making sure you pay more than the minimum payment every month or you’re struggling to do

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4 Ways that Black Women Can Keep Family Members from Borrowing Money

One of the unspoken reasons that black women can’t save is because we have unofficially been identified as the family ATM. With all too many of us embracing the “Superwoman to All But Herself” role in many a circle, we are judged by our ability to please others quickly, please others often, and please others

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How To Maintain Good Credit During The Holidays

Its the most wonderful time of the year! Or should I play that damn Temptations Christmas Album my mom would wear out!!! LOL!!! Ahhh, those were the days. Anyway, I want to go over how to Maintain Good Credit During The Holidays and maintaining a good credit score while still shopping for gifts and such.

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4 Reasons Why You Are Still Broke

You have worked too hard— getting your (numerous) degrees, navigating Cubicle America, and building your brand to be broke. “Being broke”, though, seems to a recurring theme among black women, who, for all intents and purposes, with the exception of their financial lives, embody intelligence, progressive thinking, resourcefulness, and discipline. But in order to live

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5 Steps to Change

As human beings we get fantastic ideas, have the energy and excitement to implement them only to find ourselves struggling a few weeks or even days later. And such is my journey to financial freedom that I’m sharing with you. Understanding the five Stages of Change has been helpful for me to have compassion for myself when

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The Only Quality That Separates You from Being a Black Millionaire (and It Isn’t Difficult)

My current reading situation is Dr. Dennis Kimbro’s The Wealth Choice.  According to his work, there are 35,000 black millionaires in the US today. When I came across this number, I was a little   a lot underwhelmed. I started to wonder how many more of us could be millionaires if we could just get our

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Process of Change

Have you ever noticed how you are motivated to change, talk about change, begin to change, and then stop? Whether it’s saving money, losing weight, or cutting back on drinking when it comes to making lifestyle changes it’s hard! At the end of the summer I was ready to let go of and change some

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Don’t Be That Girl: 3 Types of Women That Have Toxic Relationships with Money

It is so important that women have access and constant exposure to positive financial role models as they journey from girlhood into womanhood. When they don’t, they end up like one of the following financial archetypes — using money as a proxy and substitute for self-worth, love, status, security, and identity. #1 Danielle The DivaDanielle

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How to Increase Your Savings by Making It Automatic

If there was one book that totally transformed my approach towards money, it had to be the Automatic Millionaire by David Bach.  This book taught me that if I want to be successful with savings and investing, then you must make it automatic.  The brilliance behind this concept is you can’t spend what you don’t

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Be Frugal With Your Time Just as You Would Be Frugal With Your Bank Account

I’ve often mentioned managing your time effectively, because time is the one thing that you cannot get back. This has been increasingly important for me because I have a ton of things on my plate and I am kind of Type A so I think that I can do everything. When you look at your

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