#shelevelsup

Credit card offers keep popping up in your mail box and your bank is sending you emails with card offers while you have classes to get ready for and you are tired of the bus and train. Don’t break drastically from your regular financial set up because things are getting to you. The last thing you want to do is open a bunch of new lines of credit in a short period of time. Do not fall for the trap of “building your credit” by buying a new car and opening that credit card you were offered with the 50,000 point bonus if you don’t actually have the money for any of it! Imagine how hard and long it will be if you don’t have the money for these things now. That’s what financial institutions analyze when they pull your credit report and you will see it quickly with your credit score. The more hard inquiries you have (credit card applications, personal loan apps, etc.) the more of a risk you will seem when you do apply for something that you need and want. Step yourself up in a good way and build your credit organically as you need it. And aim to live below your means as you do it. Start out with a secured credit card. Your limit will be contingent on the amount of money you deposited available. Then after 6 or more months you can apply for one other new line of credit, either your standard credit card, small personal loan or line of credit, or that car loan. But the key is to take your time and pay in full at least the day before your due date and you will see a healthy credit report being to take form. #shelevelsup SheLevelsUp.com (at Jersey City Waterfront)

Look beyond and let go of any limiting beliefs you have and shut down any that other people have placed on you. The only person in control of you is you. #SheLevelsUp shelevelsup.com

If you have enough money saved and put aside to pay off one of you debts I applaud you and you should applaud yourself on accomplishing that. It takes discipline to do just that and you have clearly proven to be responsible. Celebrate that win! Know at the same time, you do not have to pay your debts all in one shot to reach financial freedom and actually, you probably shouldn’t right now. Think about the root cause that got you in the debt in the first place, no not you having to see what turned out to be a crazy expensive doctor, no not that last class you forgot you needed in order to graduate and the loan you had to take out to pay it. It’s the fact that you either didn’t have a financial safety net or a big enough one for you. Now this does not mean at any point you CAN’T go ahead and fork over a ton of money to your creditors to pay down your debt, you just shouldn’t try to move an entire mountain in one swoop if your arms are not big enough. Take your financial mountain on, rock by rock or cliff by cliff. As long as you are paying more than the minimum, as much as you can without compromising your other financial obligations and your health and your family is you are supporting one, then you are already on your way to paying your debt off faster than your creditors have planned for you and paying less overall in interest. Don’t be hard on yourself. Do what you can and seek out ways for you to increase your income so you can keep your savings and pay off more of your debt even quicker. #shelevelsup SheLevelsUp.com

Fear has no place alongside you and determination to reach your goal. Wisdom and intuition, yes but no fear. Fear is immobilizing and will delay your progress. You can shake it off from you at any time. Know that you are capable and trust in your ability. Allow yourself the courage to take the perceived risks associated with going after your goals. And be okay, heck get excited about failure -its going to come. It is a step along the way to lasting success. #YouGotThis #shelevelsup SheLevelsUp.com

I know it’s scary and it gives you anxiety and you get in a bad mood after it and feel overwhelmed but it is absolutely to know who you owe, how much you owe them and where or what options you have to pay them back. Knowing this is the first step to getting to owe $0 to all of your creditors – and it’s possible. Two of the biggest financial burdens to most millennials is student loans debt and credit card debt. The thing about these two types of debt are there are factors of both that if unchecked can cause you to owe significantly more than what you borrowed and make you feel like you’re swimming in a pool you will never get out of. Head over to the latest blog post for some tips on staying ahead of the curve. SheLevelsUp.com #shelevelsup

No matter what - keep pushing! #shelevelsup SheLevelsUp.com

When you're just starting out or just trying to get your credit on a better foot, chances are high you're going to be told no or you need a co-signer. You may not have a possible co-signers plus they are not for everyone. I personally have always felt strongly about getting money and business handled immediately and with little to no help so a co-signer has never been a part of my equation. I would caution you to do one of 2 things before diving into co-signers. 1. If you are negotiating something like car and you know you have a good credit score but maybe a short credit history, ask for your rep to talk to the bank again. I personally tried this with my second car and got a very pleasurable results. 2. Try building your credit up a bit with a secured card. It works like a prepaid card except what you do gets recorded to the credit bureaus. Since you can only spend what you've put into it, its a little better for someone starting out and helps you be responsible. #shelevelsup SheLevelsUp.com

Saving is important but organizing and properly delegating your funds is too. Do you have your 3-6 months savings combined with your vacation money or weekly spending money? Plan this week to give them some space from each other. Keep your long term savings separate from your short term savings and definitely don't put your emergency or backup living expenses in a place that you will be regularly accessing. #shelevelsup SheLevelsUp.com