What To Know About Collections

In 2005 I started working for a mortgage company as a wholesaler. My job involved calling on mortgage brokers and trying to get them to write loans through my employer. It was an eye-opening experience for a number of reasons: I realized that there were some really credible, integrity filled people in the industry and there were others who didn’t fit in either bucket. It became painfully obvious that a majority of the applicants had credit that needed serious repair. I learned SO MUCH about debt, collections, and adverse entries on your credit report. One of the most common items …

The M.O.M. Cash Flow Budget Template

I have to level with you — I don’t use a traditional budget. I think they’re incredibly important at certain points of your life, and then they eventually become part of who you are. You just inherently know how much you have to spend and know when you’ve crossed the line. The budget that is featured at the bottom of this post is the one that I have used for the past couple of decades, and I’ll share with you how I use it, as well as how I handle the cash flow of our household in relation to the …

Car Care 101: 3 Proactive Ways to Keep Your Car Running

For the record, car care is not an emergency. Cars, as much as they might be an asset/worth something if you want to sell it, are really a big honkin’ liability. They cost money. And it’s the least fun money to spend. If I can help you understand in this article what it takes most people years (um, me) to learn about their car, then I’ve done my duty. Find a Reliable Mechanic Mechanics tend to get a bad rap — and that’s because some of them fix things on your car that either don’t need fixing to squeeze more money …

4 Reasons To Start A Side Hustle

Wouldn’t it be nice to have multiple streams of income? Even better, wouldn’t it be nice to make money doing something you love? Creating a side hustle not only can stimulate your bank account but can stimulate your mind and soul. There are many reasons to start a side hustle. For me, it was a way to go to school, pursue my dreams, and make extra money. I worked for a cosmetic company for years and loved it. However, the hours were insane and did not allow me to pursue my other passion, finance. I took my network and knowledge …

Choose Your Own Adulthood – Matching Furniture is Dumb Anyway

Choose Your Own Adulthood Adulthood can look however you want it to. Recently, I listened as a friend processed her toil and lament over whether she should “finally get matching furniture,” like what some of her friends were buying to fill their new homes. She admitted that all of her furniture was obtained for free, given to her from friends or family at one time or another, and she wondered if people would judge her for the mismatched collection filling her home. It’s as if she wasn’t “actually an adult”, unless she had matching furniture. And you better believe I …

Valentine’s Day Costs WHAT?

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About $19.5 billion was spent on Valentine’s Day last year. Hard to believe that we pour that much money into a holiday designed to show loved ones we care about them.  Even spending $100-$200 on this special day can put a serious hole in your budget if you’re not prepared. What does Valentine’s Day mean to you? To me it is a time to be creative and show my loved ones how much I value them. I always try to come up with fun ways to express my feelings without being too over the top. I do my best to avoid …