Janera Harvey is a money coach, certified credit counselor and owner of The Credit Journey LLC. Reach her at info@thecreditjourneyllc.com.
Birds chirping, flowers blooming — it’s the time of year again that ignites renewed energy. Can you feel it, the adrenaline rush to get started on the project that you’ve been thinking about all winter? Whether big or small, you’re excited to get things started because it’s spring and the wait is over. Maybe you’ve […]
Today’s cultural climate is driven by influence, and it’s everywhere — on our TV screens, on our social media platforms and in the lifestyles we try to emulate. Many people find themselves on a path looking for a guiding light, but today, let’s shift gears. Allow me to challenge you with something different: What if […]
Every season, a new product rises to fame on social media, whether it’s a body oil, soap, perfume or serum, and the response is instant. Women race to find it. Shelves are cleared, and what started as one recommendation becomes a collective mission. While product discovery can be fun, we’re seeing a deeper pattern emerge: […]
A dress. A gadget. A snack from a gas station on the other side of town. Something goes viral, and suddenly, we convince ourselves we need it. But let’s be honest: most of the time, we don’t. We’re not hungry. We’re not cold. We’re not lacking. We’re just … scrolling. There’s a trend I’ve noticed, […]
She earns well. Her paycheck comes bi-weekly like clockwork. She’s not struggling to make ends meet; and yet, her savings account stays embarrassingly close to zero. It’s a quiet struggle that many women face but few discuss. On the outside, everything appears polished: the nice car, the tailored wardrobe, the curated social media life. But […]
Let’s be honest ladies; prices have increased, and our budgets have felt the squeeze. From groceries to gas, what used to be a splurge now feels like a stretch. But here’s the truth: Just because the economy is tight doesn’t mean our joy must be, too. As women, we’re often the heartbeat of our households, […]
Enjoy your money now, and buy what you want because you can’t take it with you. You’ve probably heard this advice, and perhaps you’ve even put it into practice. These words may contain some wisdom, but they’re most often used to justify unhealthy money habits. How are these habits revealed? We’re all prone at times […]
Shopping is a common and enjoyable activity, but the line between a healthy interest and an addiction can easily blur. Understanding the different types of shopping addiction can help those who struggle recognize their own patterns and, if necessary, seek help. 1. CREDIT CARD ADDICTION Credit card addiction refers to a compulsive need to accumulate […]
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 […]
