If you are still keeping your money in a jar or in a bank account because of fear of investing, here’s a post to help you understand the basics. Goal…
Aspirations
Student Loans – Repayment Options
It may be a good time to review student loan repayment options. It’s free and may end up saving you money. To change your repayment option you can speak to…
Accommodations Were Not Effective – Communicating With Your Employer
If you requested an accommodation at work, your employer has the right to suggest an alternative accommodation as long as it’s effective. What can you do if the alternative accommodation…
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Work Accommodations for Anxiety
If you find yourself feeling anxiety at work to the point that it’s interfering with your job performance, below are possible accommodations for anxiety as instructed by Job Accommodation Network…
How to Ask for Job Accommodations at the Workplace
As explained in my last article on Financial Anxiety, there are times when a work accommodation is needed and as indicated in the Americans with Disabilities Act (ADA) you are entitled…
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Financial Anxiety
According to a survey done by the American Psychological Association, 65% of Americans reported money as a significant source of stress. (American Psychological Association, 2022) With stress comes anxiety or…
Components of VantageScore 3.0 Model
VantageScore 3.0 is the next widely used model for determining your credit score. VantageScore Model 4.0 came out in 2017, but it’s not commonly used by lenders. Here is a brief…
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Mindful Check-in
Doing mindful check-ins can help you refocus your attention to the cause of your financial turmoil instead of being in reactive mode. These simple steps can help: Become aware of…
Improving Your Payment History
While it may seem clear on how to improve your payment history, here are a few more suggestions than just making monthly payments: Be timely with your payment Yes, it’s…
Why Your Payment History Matters
Making up 35% of your FICO score, your payment history is not something to take lightly. According to MyFICO.com, “having no late payments in your credit report doesn’t mean you’ll…