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FNPhenomenal

Why Your Credit Score Is More Important than You Think

Why Your Credit Score Is More Important Than You Think + How To Improve It

In Finance

One day I was speaking to one of my mentors and she told me that when she was growing up, she was told that credit cards were just like layaway (putting your clothes aside and making payments on them until the balance is paid off and then you take them home) except better because you could take your stuff home immediately. She said that she noticed that the people who were taught that were in financial distress. That story made me start thinking about some of the things I have seen and some of the beliefs I had about credit…






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How to bounce back after a financial mistake

How to Bounce Back After A Financial Mistake

In Finance

Can I be honest with you? We all make mistakes and succumb to impulse purchases that cause us to overspend. Recently, I went to Toys R Us to get a wagon for the twins. The twins were getting a little big for the stroller and it looked like it wasn’t comfortable anymore. Therefore, I decided to get a wagon. When we got to Toys R Us, my mom saw toddler bikes so she took them down so the kids could ride on them while we were in the store. The kids absolutely loved them! They were having so much fun…






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God Loves Single Mothers Too- An Open Letter to Single Moms on Mother's Day

God Loves Single Mothers Too: An Open Letter to Single Moms on Mother’s Day

In Faith

I really wanted to write this post to celebrate the single moms on Mother’s Day. I think that it is extremely important because unfortunately, we can experience judgmental, condescending, and critical attitudes from others because we are single moms. Sometimes people say, “They must have done something to deserve it,” “they made a bad decision,” etc. However, in all of the criticism, these judgmental attitudes fail to address the elephant in the room – we, mothers, chose to stay and parent our children. We didn’t choose to leave. In 1 Timothy 5:8, the Bible says, “But if anyone does not…






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Anything Can Happen: How to Make Sure That You’re Ready for Tragedy Financially

In Finance

The one thing about life is you never know what can happen. Matthew 6:34 (NLT) says, “So don’t worry about tomorrow, for tomorrow will bring its own worries. Today’s trouble is enough for today.” But what you can do is to be prepared. When I was in corporate America, I had a great job, made 6-figures per year, and I thought the financial good times would last forever, but they didn’t. Next thing you know I’m dealing with workplace bullying, it’s impacting my health, and then I made the decision to leave my well-paying job before I planned to because…






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Why Tax Time Is A Great Time For Single Moms To Catch Up On Their Financial Goals

In Finance

Did you know that about 8 out of 10 tax filers will receive a refund with the average refund being $2,800 (CNN Money)? If you are a person who expects to receive or has received a refund this year, then now is a great time to use your tax refund to catch up on your financial goals and priorities. If you take the time now, you will reduce your stress and have more money to do things later in the year. For example, there was a story that went viral about a single mom making minimum wage who used her…






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