Janera Harvey is a money coach, certified credit counselor and owner of The Credit Journey LLC. Reach her at info@thecreditjourneyllc.com.
As we enter spring, let’s refresh our perspective about having financial conversations. Our relationship with money often is shaped by personal experience and beliefs that were ingrained in us from a young age. Many of us were taught that money is a private matter that should not be discussed openly. Some may even consider it […]
No matter how money savvy we consider ourselves, anyone can succumb to the temptation of a big sale or discount. Wise spending decisions aren’t always easy, so here’s some helpful advice. PLAN AND SET A BUDGET To spend wisely, it is crucial to start by planning and setting a budget. Evaluate your financial situation and […]
Have you ever looked at the lives of people you know or don’t know and wondered how they became financially successful? For a split second, you may question what you are or aren’t doing, then go about your life. These moments present missed opportunities to have the life and financial success you desire. You see, […]
Tipping doesn’t have to be complex. Most people know the standard 15 to 20 percent for a restaurant server, but what about other scenarios like a delivery food driver or a housekeeper? This guide explains how much to tip in most scenarios, but keep in mind that you always can tip more for exceptional service. […]
Retirement is an exciting time, but it can be tough to leave behind the safety net of a stable income or the work routine you’ve followed for decades. Many seniors who reach retirement age end up working part-time; this can be for a variety of reasons, including wanting more spending money, miscalculations in retirement savings […]
Generating passive income is one of the best ways to build wealth without eating up your time. This financial trend has helped many people increase their financial freedom, especially during the COVID-19 pandemic when we all have had more time at home to consider long-term goals. So, what is passive income and how could it […]
Budget is one of the most frequently used terms when it comes to money. Budgeting is encouraged so you can see where your money is going and where it could be used better. So, let’s talk about the one item on everyone’s budget: groceries. This is an expense you can’t escape. We must eat to […]
Can you believe summer has ended and now we have to think about the holidays? Time has really escaped us, but if you start planning your holiday spending now, your money won’t quickly escape you. Normally during the holidays, consumers excessively spend and carry loads of debt into the new year. Times have changed, and […]
We’re all familiar with the concept of keeping up with the Joneses. Many of us try to stay on top of trends and have the urge to splurge on nice houses, fancy cars, fabulous clothes, fine dining and travel. I mean, who wouldn’t want to live their best life during these times? Growing up, I […]
You made a mistake – an expensive one. You are flooded with embarrassment, anger, disgust, guilt, sadness, or some combination thereof. Are you a bad person for making a mistake? You probably feel that way, but the answer is no. If making a mistake made us all bad people, there would be no goodness in […]
