Tag

Education

5 Tips To Manage Your Credit Wisely

In Frugal, Phenomenal

Many people don’t understand how important their credit score is. Your credit score is an indication of how well you manage your money and how fiscally responsible you are. Think of it like your school transcripts and report card, so you want it to be as high as possible. Banks use your credit to determine if you qualify for a loan and if so, at what interest rate and amount of credit. Essentially, it is used to determine your risk, and thus your cost to borrow. The higher your risk, then the higher your interest rate. For example, if you…

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5 Lessons that I Learned from the Design Your Own Brand Conference

In Frugal, Phenomenal

Over the weekend I attended the Design Your Own Brand Conference (DYOB) hosted by the CEO/Founder of DesignHer Label, Dr. Shante’ Bishop.  The conference was amazing and it was unlike anything that I have ever attended.  In addition to a wealth of knowledge, the attendees were given makeovers, and walked away with professional headshots.  Also, Dr. Bishop was so generous with giving us with real, tangible information on how to build our brand.  There was definitely no fluff at all! It is impossible to capture all of the lessons over the course of two days, but I wanted to capture…

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Why You Need to Think Twice Before Co-Signing

In Frugal, Phenomenal

To cosign or not to cosign?  This the question. Over the years I have heard so many horror stories where people have either co-signed on a loan, apartment, line of credit, or rental car and then the individual who asked them to co-sign stopped paying. In all of the cases that I know about the person who asked the other to co-sign was a close family member. Also, in all cases the person was pressured through guilt or obligation into co-signing because of the family relationship. This presents an interesting challenge because the person’s emotional connection was leveraged to obtain the…

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FNPhenomenal Woman: Toya Nicole & Renee B. Co-Founders of Boardroom Beauties

In FNPhenomenal Woman, Phenomenal

FNPhenomenal Woman is a monthly series where I take the conversations that we have as women that are empowering, informative, and fun and bring them to the world. In the spirit of Maya Angelou’s poem Phenomenal Woman, I want to showcase how phenomenal we are and that we have something unique and amazing to bring to the world.  These conversations will occur in two forms.  The first form is an interview with the current month’s FNPhenomenal Woman, and then the second part is a Google Hangout! This month I chose Toya and Renee of Boardroom Beauties because I love their mission…

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How to Stop Other People From Spending Your Money

In Frugal, Phenomenal

How many times have you heard the phrase, “I know you have it!” Maybe we said it to our parents when we were younger, or maybe friends or family have said it to us. Regardless of the situation, someone else is counting another person’s pockets! It’s hard enough to manage our own money without falling into the temptation of self-sabotage by engaging in unnecessary or wasteful spending, but it’s even harder when someone else is counting our money! No wonder why people don’t like to talk about their salary! The difficult part is that the person counting our pockets is…

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