Holiday Survival Tips: 3 Powerful Emotions that Affect Your Money - Radio Show

Brandy Speer, Financial Literacy Consultant

Get Your Act Together Holiday Survival Tips 3 Powerful Emotions that Affect Your Money

Avoid Holiday Money Mistakes Everyone Makes During the Holidays

How About More Affordable Less Stressful Holiday Season? Master 3 Emotions – A Key Factor in Taking Charge of Your Money       Fear Constricts prevents you from taking action      Shame Destroys makes feel undeserving      Anger Paralyzes turns away money Embrace New Truths Render these emotions powerless over you and your money Avoid Money Mistakes Everyone Makes During the Holidays We Forget to Prioritize Confuse Generosity with Thoughtfulness Over Indulge in Food and Drink Try too Hard to Keep Up with the Joneses Spending Beyond Your Means Borrowing Against the Future Ignoring Your Holiday Budget Psychological Tactics Marketers Use – What they don’t want you to know? Highlight Your Flaws Run Emotional Ideas Use of Color Psychology Promote Exclusivity Repositioning Competitors Introduction of Fear, Doubt and Uncertainty

What percentage of our economy is based on consumer spending? How does your financial situation affect your emotions and reverse? How does color marketing effect consumer behavior? What is the Psychology of Consumer Spending? What does it mean to embrace new truths?

Sources   National Financial Educators Council, Suze Orman, National Retail Federation

Color Meaning, Symbolism, And Psychology: What Do Different Colors Mean

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7 Common Credit Report Errors That Need Repair

This is a radio show. Call in number 310-861-2349. 7 PM to 9 PM Tuesday, 23 October 2018. Please share. 
Link: http://www.blogtalkradio.com/progressintheworld/2018/10/24/7-common-credit-report-errors-that-need-repair-with-brandy-speer

7 Common Credit Report Errors That Need Repair 
7 Reasons to Repair Your Credit Before You Retire

1. Personal Information updates
It is up to you - Creditors are horrible at this.
2. Closed Accounts incorrect information
Correction not always easy
3. Duplicated Negative entries
Loans change hands or collection accounts
4. Payment History reported by creditor incorrectly
Creditor reports their credit experience with you incorrectly
5. Ex-Spouse or Family Member
Common credit accounts are improperly reported 
6. Cosigned Loans 
The risk to your credit score 
7. Identity Theft or Mistaken Identity
When accounts are opened without your consent using your identity or Derogatory information applied to you in error

Repair Your Credit Before You Retire
1. New Credit Harder to Get
2. Easier to fix credit when working
3. May need to access credit lines
4. May need financing to move
5. Guarding against asset seizure
6. Bad credit affect insurance rates
7. Reduce or eliminate debt going into retirement


Where to get my credit report?
Should I pay-off old charge offs?
Do old closed accounts hurt scores?
Is a debt consolidation loan good to pay off credit cards?

Sources FTC, Suze Orman, credit sesame
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Take Control Over Your Money!
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Wouldn’t it be great to simply have “enough” money, and no worries?

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9 Ways You Can Help Your FICO Score with Brandy Speer on Progress in the World Radio Show

This is a radio show, 11 AM PST 14 October 2018. 

Call in number 310-861-2349. 

If you miss the live show, you can listen to the archived version. Live and archived versions can be reached here.

http://www.blogtalkradio.com/progressintheworld/2018/10/14/9-ways-you-can-help-your-fico-score-with-brandy-speer

9 Ways You Can Help Your FICO Score

Simple Things You Can Do Right Now to Increase Your Score

Credit Is Everything PERIOD! 1.    Get FICO Credit Score  CreditKarma.com  MyFicoScore.com     2.    Get  free copy of Credit Report            You can’t improve what you can’t measure            Success is about having a target What’s in Your Credit Report? 3.    Review Credit Report for accounts not yours 4.    Review for other errors 5.    Review inquiries for errors            Learn factors do/don’t affect credit                Increase FICO Score 6.    Dispute Errors            Inaccurate Incomplete Unverifiable Unfair            Learn how to dispute errors                           Get Money Management Skills 7.    Pay Bills on Time            First Rule of Credit Score Health            Align personal financial goals            Learn how not to live payday to payday 8.     Pay Down Debt             Learn debt management strategies             Develop debt payoff plan 9.     Don’t Max Out Credit Cards/Lines of Credit   Learn debt to limit ratio   Beware closing revolving accounts

What is credit/ FICO Scores Where to start with debt management How Can I improve my credit score

Sources                                                                             

Financial Educators Council, Credit Karma, Karen Black

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Wouldn’t it be great to simply have “enough” money, so you don’t have to worry?

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13 Principles of success You Need in Your Life with Brandy Speer

13 Principles of Success You Need In Your Life

Improve Your Financial Situation

1.      Realize the Power of Dreams - just imagine Your dreams and your visions can influence your life 2.      Think Bigger than you are Learn it’s all about thinking big and growing richer in mind, body soul, 3.      Have A clear vision Success is about having a target 4.       Get Prepared   Preparation is the foundation of success 5.      Take Massive Action Start today and put that into action 6.       Move in the Right Direction Success is a marathon not a sprint 7.       Focus on Growth Evolution necessary to your success 8.      Be Determined Where there is a will, there is a way 9.       Set Goals Specific measurable realistic attainable timely 10.   Surround yourself with positive people a.    Follow successful people do as they do 11.   Use affirmations a.    Positive energy manifests reality 12.   Be grateful and appreciate what you have a.    Being thankful/grateful will change your life dramatically 13.   Do what you love a.    Find your purpose and use your passion

Sources                                                                           

NFEC, Jim Rohn, Anthony Robbins,

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Build A Strong Financial Foundation -

It All Starts Here - Webinar Registration

Join Our Next Webinar

 RESERVE YOUR SPACE TODAY! - Limited Space 

Build A Strong Financial Foundation -

It All Starts Here - Webinar Registration

Knowledge is Power…

        Gain Insight to Solutions for Daily Financial Concerns

ü Build Your Credit Score

ü Eliminate Debt

ü Pay for College

ü Buy a Home

ü Money for Retirement

           

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