Financial Destiny Now

 Informational                                     Yesterday I dared to struggle. Today I dare to win.

                                                                                                                                                                                                ~ Bernadette Devlin ~

Showing category "Common $ense Please." (Show all posts)

So You Want GOOD Credit?

Posted by Sherlonda Mims on Friday, July 15, 2016, In : For Your Information 
Credit repair isn't an overnight process. Just like anything else in life worth having, it takes discipline to get your credit and scores to the satisfactory status we'd all like to have and keep. It's not going to happen overnight and if you think you can pay someone to "wipe it clean" without legal ramifications, think again! Let's look at it another way. When you're hired for a job, you're trained. You are taught the steps to accurately and efficiently do the job you were hired to do. That...
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Having Money Troubles, Are We?

Posted by Sherlonda Mims on Thursday, July 2, 2015, In : Money Management Ideas 
The best way to solve your money troubles is to first, acknowledge that you have them. Denial is not the answer. Make an honest attempt to change your way of thinking about money. It's only evil if you believe that. Money, used wisely, can be more than just a means to an end. Take charge of your Finances and you take charge of your Life. This may seem easy to say or read but You can do it. Grab a notebook and let's get started...
  • How much money do you earn? This also will include income re...

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Happy New Year 2015!

Posted by Sherlonda Mims on Wednesday, January 7, 2015, In : Happy New Year! 
As this New Year has come upon us, how many of us make New Year resolutions only to STOP whatever goal that you'd set out to do and accomplish this New Year? Let's take a moment to reflect. I personally am not a fan of New Year Resolutions. I believe that any Goal can be Set and Accomplished whether it's the start of a New Year or the middle to the end of one. Here are a few suggestions to help you to achieve whatever it may be that you set out to do and achieve;

  • Start small. Set goals that ca...

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Are You Ready To Make A Big Purchase Or Investment?

Posted by Sherlonda Mims on Thursday, August 14, 2014, In : Did You Know? 
It's time to get a grip PEOPLE! Time to Handle our Business and STOP being in the dark about IMPORTANT MATTERS. How much easier would it be to CHECK YOUR CREDIT, BEFOREHAND. Rather than go to make this purchase, open this account, buy this car, apply for that mortgage ONLY to have the LOAN OFFICER or AGENT to tell you, I'm sorry Sir/Ma'am but there's nothing we can do for you today. Your credit score is too low or you have no GOOD credit HISTORY, too many COLLECTIONS, JUDGEMENTS, LIENS, DEFAU...
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Here's A Surefire Way To Boost Your Credit Score...

Posted by Sherlonda Mims on Wednesday, June 11, 2014, In : Rebuilding Your Credit 
Are you looking to BOOST your CREDIT SCORE? Here's a surefire way for you to do that... This company reports to ALL of the Major Credit Bureaus.You will be taken to a secure website to apply safely.

Company

For more than 150 years, First National Bank has maintained its commitment to helping to build strong communities.

We don’t claim to have been the primary builders of the communities we serve. Many people over many generations did that wit...


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Neighborhood Assistance Corporation of America

Posted by Sherlonda Mims on Wednesday, April 9, 2014, In : For Your Information 
NACA OVERVIEW


The Neighborhood Assistance Corporation of America ("NACA") is a non-profit, community advocacy and homeownership organization. NACA’s primary goal is to build strong, healthy neighborhoods in urban and rural areas nationwide through affordable homeownership. NACA has made the dream of homeownership a reality for thousands of working people by counseling them honestly and effectively, enabling even those with poor credit to purchase a home or refinance a predatory l...
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Have A Happy 2014!

Posted by Sherlonda Mims on Wednesday, January 1, 2014, In : Happy New Year! 
Have A Happy 2014! May Peace, Blessings, Great Health, Joy/Happiness, Prosperity/Wealth And An Abundance Of Love Manifest In All Of Our Lives This Year & Beyond. Thank You Lord God For Blessing Us To See Another Year. All Our Love, Your Children.



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As We Prepare for The New Year 2014, Is Your Future In Order?

Posted by Sherlonda Mims on Monday, December 9, 2013, In : Money Management Ideas 
As we embark upon another New Year, I wanted to take a few moments to share some things that have been on my heart. We all know or have heard the saying, "Tomorrow is not promised to any of us". Not wanting to sound morbid or depressing, this isn't the message I'm trying to convey. We've watched the news report of someone passing or we've lost a friend or loved one. Be it tragically, accidentally or by natural causes. Though we know that we are BORN, we also know that we will also DIE at some...
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Credit Cards for People with Bad Credit or a Bankruptcy Who Need to Re-Establish Good Credit

Posted by Sherlonda Mims on Wednesday, May 1, 2013, In : Rebuilding Your Credit 
The following credit cards have fees because they accept people with POOR CREDIT. If you need to re-establish your credit, it could be well worth the fees associated with the credit being extended to you. Please note that once you attain a credit score of 620 or higher, it would be in your best interest to call your credit card company to ask that you be waived the fees or to switch you to a better card with a better interest rate.

Simply getting a credit card will not help you build, re-build...
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Credit Score Clean Sweep

Posted by Sherlonda Mims on Saturday, March 16, 2013, In : Getting Organized 
I am a pretty tidy person. I like things to be neat, organized, and easily accessible. But running my own business, working, and being a mom to 4 kids means sometimes the days get away from me and the cleaning chores pile up.

The same thing tends to happen with finances. Unless you’re constantly checking in on updates to your credit score or changes in credit card interest rates, you and your finances will benefit from a financial clean sweep.

Start with the paperwork

If you want organized...


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It's Tax Season! Call Today for Your Tax Preparation Service Needs.

Posted by Sherlonda Mims on Saturday, February 2, 2013, In : You Should Know 
Great Credit & Financial Health Go Hand In Hand. Tax Preparation Services are also available from me UPON REQUEST. I utilize TurboTax Software (Intuit) and I sign all tax returns prepared by me. Get yours started today for a nominal fee and rest assured that all your tax situations will be handled by one of the best! I have over 20 years of Tax Preparation Service Experience. Your Satisfaction and Accuracy of your return is my Top Priority. Thank you for your patronage. I Appreciate yo...
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Happy New Year 2013!

Posted by Sherlonda Mims on Sunday, January 6, 2013, In : Money Management Ideas 
We're 6 days into this New Year of 2013. I want to challenge you financially to make the most out of your financial future. Starting now!  Here's something that I came across and would like to share with you.  I believe it is realistic and very doable. Try it.  I know I am/will.  With a little planning and a lot of discipline, this will work!  Look below to find your money challenge chart to start to build a better, brighter, more sound financial future for years and years to come. Here's to ...
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The Holidays Are Approaching! Get Through It Without Debt.

Posted by Sherlonda Mims on Friday, November 16, 2012, In : Be Money $mart 
This time of year, so many things are vying for our attention                        (and our finances). We must all be careful to consider
what is really important while still paying attention to making Christmas a special time for our children. How do we do that, since we all want to give good gifts to our children? Stay true to the real spirit of the holidays by sticking to these easy-to-follow tips:

:: Wish Lists – We always ask our children,
“What do you want for Christmas?” This year...

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Let Your Creativity Earn You Extra Income Dollar$

Posted by Sherlonda Mims on Saturday, September 22, 2012, In : Money Management Ideas 
Got a hobby? Do you like to sing? Are you great at baking or cooking? You'd be surprised at the things that you do everyday or for fun that could earn you extra income. Your creativity CAN PAY you GREATLY!  I'll give you a prime example, I started this business because I needed to feel more useful and I wanted to help others at the same time. I created this website that you're on right now and since I love numbers and fairness and again, helping others, I thought that I'd use my creativity to...
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Where Is Your Legacy Headed?

Posted by Sherlonda Mims on Wednesday, August 8, 2012, In : Positive Legacy Building Tips 
There are a lot of things in life that can be HEREDITARY. Things like high blood pressure, stress, even some of the lucky/blessed ones are due to inherit great wealth, some great suffering. Do you want Bad Credit and Poor Money Management to be added to the list? What would it be worth to you to give your child/children the gift of knowledge where the IMPORTANCE of CREDIT is concerned? How VALUABLE those 9 Digit Numbers we are all given after birth that will follow us for the rest of our...
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Taking Care of Your Financial Destiny Now...

Posted by Sherlonda Mims on Friday, July 20, 2012, In : Credit Repair... A How- To Guide 
If you're looking to repair your credit or "do it yourself", here are a few tips to remember:

  1. You can by law, receive at least 1 FREE credit report from all of the 3 major credit reporting agencies yearly. The amount varies by state. Please note that you can also obtain them FREE after ANY credit DENIAL.
  2. Stay organized and keep records of your findings. If you begin to take charge of your credit and are "gung ho" about doing so then you need to be "gung ho" throughout the whole process. You may...

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A New Beginning...

Posted by Sherlonda Mims on Saturday, June 16, 2012, In : Thanks 
This is not to brag or boast but just to tell you what setting goals, being determined, believing in yourself and your Higher Power and great credit/money management can do for you. In 2006, I lost my home of 10 years to foreclosure. At the time, I could've kept my home had I managed my money better. I also felt that since I had taken the steps to get us a home (I was married at the time of purchase) that all was good and there was no need to stay on top of my credit. I learned the hard way.....
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Money Management Idea #1

Posted by Sherlonda Mims on Saturday, May 19, 2012, In : Money Management Ideas 
The amount of money you have has got nothing to do with what you earn. People earning a million dollars a year can have no money. People earning $35,000 a year can be quite well off. It's not what you earn, it's what you spend.
                                                                                         

The secret to wealth is not what you earn, it's what you spend.

                                                                                                        ~Paul Cli...

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Don't Be A Victim!

Posted by Sherlonda Mims on Tuesday, April 10, 2012, In : You Should Know 
Don't Be a Victim of an Inaccurate Credit Report! Make sure your credit score is as high as it can be. A recent study shows that over 84% of credit reports contain incorrect information. A 100 point boost in your credit score Can Save You As Much As $300,000 over your lifetime. With better credit, you can; *Save money on home and auto loans, *Avoid embarrassing credit denials and high insurance rates, *Have confidence when potential employers check your credit,*Avoid expensive deposits with u...
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Rebuilding Your Credit

Posted by Sherlonda Mims on Thursday, March 29, 2012, In : Rebuilding Your Credit 
We all deserve peace of mind, individual freedom and personal power. Having debt is the opposite of these things. The path to better and great credit isn't hard. It just takes a little discipline, the desire to change for the betterment of you and your family and smarter money management. Tip #1; You may live with a relative, friend, have a roommate, but none of the bills are in your name. You can still maintain a degree of credit worthiness. *Always create a paper trail. Meaning, DO NOT pay ...
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Never Too Late...

Posted by Sherlonda Mims on Saturday, February 25, 2012, In : You Should Know 
Are you feeling like, what's the use? My credit's jacked, I can't get anything and if by chance I do I'm gonna have to pay higher rates. Let me tell you, it's never too late to fix what we may have done to our credit in youth and ignorance. But let's take it a step further and began to teach our kids, our youth, the importance of having and maintaining good/great credit as well as good/great money managing skills. Life is sometimes a hard lesson to learn/live but I feel it could be a lot easi...
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It's Tax Time!!!

Posted by Sherlonda Mims on Sunday, January 22, 2012, In : Be Money $mart 
If you're like most, the Holidays has left you with a hole in your pockets and wallets.  Credit card bills got higher and all in the name of the Holiday cheer. With Tax Season rapidly approaching, I challenge you to put aside some of your tax refund money. Doesn't have to be a lot. Put it in savings or buy some savings bonds ( pay yourself ). Take another portion of your tax refund and pay off a bill or pay down several of them. The less money you owe as well as a paid/closed account goes alo...
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A New Year: A New Beginning

Posted by Sherlonda Mims on Friday, December 9, 2011, In : For Your Information 
As we approach the coming year, doesn't it irritate you that you have not made any progress in some or most of the things that you want(ed) to change or accomplish in your life at this point in time? Your credit, may be one of them. Though I offer this service for a small fee compared to other companies offering the same, there is nothing that I DO that you cannot FREELY DO for yourself. I DO NOT create new identities. I DO NOT do anything ILLEGAL to help to restore your Financial Destiny Now...
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Can We Catch A Break?

Posted by Sherlonda Mims on Wednesday, November 2, 2011, In : Did You Know? 

Many employers are using credit reports to screen job applicants.  According to the most recent membership survey conducted by Society for Human Resource Management, 60% of employers conduct credit checks on job applicants.  

The use of credit in employment is a Catch-22 for job seekers, many of whom can’t pay their bills because they don’t have a job, but now can’t find a job because they can’t pay their bills.  In this bad economy, poor credit says nothing about an applicant...


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Common $ense Please.....

Posted by Sherlonda Mims on Saturday, October 8, 2011, In : Common $ense Please.... 
We've all got those calls at some point or another....the dreaded bill collector.  Do not let a collector verbally abuse or harass you.  It is illegal, and you have the law on your side. (The Fair Credit Reporting Act states that you can sue for $1000 in damages per violation when any part of The FCRA has been violated).  And as a side note, don't you yell, cuss and threaten them either. Keep your communication with them business-like and not personal.

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Recognizing Identity Theft

Posted by Sherlonda Mims on Sunday, September 11, 2011, In : Identity Theft 
When identity theft happens to you, you may not be aware of it. Many people find out when they receive a call or letter from a creditor/bill collector about a charge or balance they did not create. You might also notice unknown charges on a credit card bill. Getting your credit report every year will help make sure no one is using your identity or accounts.

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Just A Thought...

Posted by Sherlonda Mims on Friday, August 26, 2011, In : For Your Information 
If you have multiple late payments and collections deleted from your credit file, and you have positive credit remaining, your score could increase by 100 points or more! So the moment your bad credit is deleted from your credit report, your score goes up. As well as the moment the bureaus record your high credit card balance going down, your score goes up. Happy bill paying people.

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You Should Know...

Posted by Sherlonda Mims on Sunday, July 24, 2011, In : You Should Know 
The credit bureaus make more money when you ignore your bad credit.  They don't have to pay employees to fix it and they don't have to pay postage to send out updated credit reports. Also, people with bad credit have their credit files pulled more often thus in turn making the credit bureaus more revenue (money). You may ask, how is it that credit bureaus make money off of people with bad credit?  Well, when you buy/spend/pay, register where you live and work, it's all tied to your social sec...
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Did You Know?

Posted by Sherlonda Mims on Tuesday, July 5, 2011, In : Did You Know? 

When you marry, your credit report stays the same. The only information on both spouses’ reports are joint accounts or those for which one spouse is an authorized user.

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F.Y.I

Posted by Sherlonda Mims on Monday, June 27, 2011, In : For Your Information 
There is no law that says your credit has to be reported to the credit bureaus.  Reporting your pay history to the credit bureaus is 100% VOLUNTARY.  This includes both the good and the bad.

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Fact

Posted by Sherlonda Mims on Thursday, June 23, 2011, In : Facts 
People with high credit scores get lower interest rates. If you take a home loan for $175,000 and pay 1.5% more than your neighbor who has excellent credit, you would pay $175 more each and every month than your neighbor! That's like flushing $2,088 down the toilet every year! Isn't there something else you'd rather be doing with that $2,088? Like taking a nice vacation, perhaps?

Automobile insurance companies now base your monthly premiums on your credit score. That's right. One company offer...
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