Did you know that I raised my credit score over 200 points after a foreclosure, while on unemployment, in a little over a year? Yup!Let me guess...you want to finally improve your credit score and report too? No, I'm not a mind reader. Everyone wants better credit. Even people with good credit want great credit.You're in luck! During the next 3 weeks you'll learn how to do the following:Week 1: Credit KnowledgeWeek 2: Credit ImprovementWeek 3: Credit MaintenanceFinal Day: LIVE RICHERThe Live Richer Challenge: Credit Edition is for beginners that want to be lead step-by-step to personal financial success. In 22 days this book will help you begin to accomplish your credit goals through simple, daily financial tasks.Are you ready? Let's go.Live richer,Tiffany
"The LIVE RICHER Challenge is ideal for beginners that want to be bread-crumbed to financial success. In 36 days this book will help you master your money through simple, daily financial tasks."--Back cover
I know, I know. You're having a hard time saving. You don't have a budget, you don't make enough, you have too many bills; something always seems to come up. Do any of these situations sound familiar? If so, you're in the right place. During the next 3 weeks you'll learn how to do the following: Week 1: Savings Mindset Week 2: Implementation & Automation Week 3: Increase Your Abundance Final Day: LIVE RICHER The Live Richer Challenge: Savings Edition is for beginners who want to be led step-by-step to personal financial success. In 22 days this book will help you begin to accomplish your savings goals through simple daily financial tasks. Are you ready? Let's go. Live richer, Tiffany
The LIVE RICHER Academy is a membership site that hosts a series of courses designed to help you take your finances and life to the next level.This is an awesome tool specifically designed to help Dream Builders (Academy members) like you, make the most out of the Academy.The sections of the notebook correspond with the sections of the Academy. I've also included motivational messages throughout the book to help keep you motivated while on your journey.This tool will keep you engaged, organized and inspired. Live richer,Tiffany "The Budgetnista" Aliche
Author: Glinda Bridgforth
Publisher: Crown Business
Release Date: 2008-01-15
Genre: Business & Economics
Is “retail therapy” your favorite pastime—even though you really can’t afford it? Do you ignore the balance on your credit card statements, vowing to pay them off at some point down the line? Is your debt preventing you from living your dreams—like buying a home or starting a family? If so, girl, it’s time to get your credit straight!These days, with easy access to multiple credit cards and glossy advertisements that entice us to spend at every turn, it’s all too easy to start racking up debt—and even little slip-ups can lead to real damage over time. In this highly practical follow-up to her bestsellers Girl, Get Your Money Straight! and Girl, Make Your Money Grow!, financial expert Glinda Bridgforth delivers a power-packed plan for paying down debt, repairing your credit score, and securing your financial freedom—along with a future that makes your heart sing.Beginning with simple, engaging exercises to help you assess your spending habits and get clear about what you owe, Girl, Get Your Credit Straight! presents a detailed road map for eliminating debt, one step at a time. You will learn how to: • Devise a system for tracking expenditures, anticipating end-of-month shortfalls, and paying bills on time, every time• Find ways to supplement your income• Consolidate loans to pay off debt faster, decrease stress, and save time and money• Negotiate with your creditors to come up with a payment plan that works for you• Discover the best loans to use for refinancing debt or making major new purchases• Understand how credit bureaus work--and take steps to improve your scoreFilled with Bridgforth’s warmhearted wisdom and advice, and complete with worksheets, affirmations, and inspiring stories of African American women who’ve restored their credit and built new wealth, Girl, Get Your Credit Straight! is a fresh, empowering guide for any woman who wants to say goodbye to debt—for good.
What the FICO: 12 Steps To Repairing Your Credit is the only credit repair book you'll ever need. It is a simple guide that will give you step-by-step instruction on how to go from bad to good credit in no time and minimal cost. If you follow these simple steps you are going to begin the journey of getting your credit and financial life back in order. This book is mainly for those who have tried to learn the credit game and have done so unsuccessfully but can also be used by those who are just starting out to get a better understanding of how to build a good credit history. - Learn your rights as a consumer and how to protect them - Learn how to remove negative items from your report (Even the ones you're responsible for) - Correct and remove errors and improve your credit score - Negotiate with creditors to reduce debt - Add positive information to your credit report - Re-Build a Solid Credit history
At last, for a generation that's materially ambitious yet financially clueless comes I Will Teach You To Be Rich, Ramit Sethi's 6-week personal finance program for 20-to-35-year-olds. A completely practical approach delivered with a nonjudgmental style that makes readers want to do what Sethi says, it is based around the four pillars of personal finance--banking, saving, budgeting, and investing--and the wealth-building ideas of personal entrepreneurship. Sethi covers how to save time by not wasting it managing money; the guns and cars myth of credit cards; how to negotiate like an Indian--the conversation begins with "no"; why "Budgeting Doesn't Have to Suck!"; how to get things rolling--for real--with only $20; what most people don't understand about taxes; how to get a CEO to take you out to lunch; how to avoid the Super Mario Brothers trap by making your savings work harder than you do; the difference between cheap and frugal; the hidden relationship between money and food. Not to mention his first key lesson: Getting started is more important than being the smartest person in the room. Integrated with his website, where readers can use interactive charts, follow up on the latest information, and join the community, it is a hip blueprint to building wealth and financial security. Every month, 175,000 unique visitors come to Ramit Sethi's website, Iwillteachyoutoberich.com, to discover the path to financial freedom. They praise him thoughtfully ("Your site summarizes everything I want with my life--to be rich in finances, rich in experience, rich in family blessings," Dan Esparza) and effusively ("Dude, you rock. I love this site!" Richard Wu). The press has caught on, too: "Ramit Sethi is a rising star in the world of personal finance writing . . . one singularly attuned to the sensibilities of his generation. his style is part frat boy and part silicon Valley geek, with a little bit of San Francisco hipster thrown in" (San Francisco Chronicle). His writing is smart, his voice is full of attitude, and his ideas are uncommonly sound and refreshingly hype-free.
Author: Liz Weston
Publisher: FT Press
Release Date: 2015-10-05
Genre: Business & Economics
Improve your credit score, for real, with the #1 best-selling guide you can trust! Today, a good credit score is essential for getting credit, getting a job, even getting car insurance or a cellphone. Now, best selling journalist Liz Pulliam Weston has thoroughly updated her top-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Weston thoroughly covers brand-new laws and rules surrounding credit scoring — including some surprising good news and some frightening new risks. Don’t settle for an out-of-date guide to credit scoring, when Your Credit Score, Fifth Edition offers brand-new coverage of all this, and more: Recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior — and how to take advantage of them How you can finally get your credit disputes reviewed by an actual human being Why recent medical debts shouldn’t impact your score anymore How to get a legitimately free FICO score without getting ripped off How lenders have recently loosened their criteria, making it easier to get loans even if your credit isn’t perfect Important new options for student loan borrowers — including brand-new ways to dramatically limit your payments How tax refund fraud is soaring — and the one little-known way to avoid becoming a victim The disappearance of "manual underwriting": why it’s now virtually impossible to get a mortgage without credit scores Weston updates her guidance on raising your FICO score... fighting lower limits or higher rates... maintaining the right mix of cards and balances... bouncing back from bad credit... choosing credit "solutions" that help, not hurt... explodes both new and old myths about credit scoring… and much more. Your Credit Score is for every consumer who is concerned about improving or protecting their credit — and it’s so up-to-date and useful, thousands of financial professionals use it, too!
You could raise your credit score by 25 points or more overnight with just one of these credit tips. In this book, you will discover:Easy To Understand Action Steps Show You The Keys To A Better Credit ScoreThis life-changing guide to a higher credit score is written in plain English without any jargon, big words or confusing language. Just easy to implement action steps that will help you dramatically increase your credit score (without spending a dime).How To Instantly Improve Your Credit Score By 20 To 30 PointsJust one tip in this book could help you instantly increase your credit rating by twenty to thirty points. When combined, the strategies in this book could help you go from bad credit to excellent credit.Credit Repair Made EasyNo matter how bad your credit is right now, you can repair it once and for all! The credit repair strategies in this book will allow you to remove all illegitimate and bad marks from your credit report.How To Get a Free Credit Score Without Any HassleMany websites and companies claim they will give you a free credit score but they don't! They will try to charge you either a large one-time fee or an ongoing membership fee for access to your credit information. But there is one website that gives you your credit score 100% free without trying to sell you anything, and you can monitor your score 24/7 without any cost! They can even provide you with free email alerts when anything new pops up on your credit report so you can take care of it right away.How To Get A Huge Discount On Your Mortgage RatesFollowing the easy action steps in this guide, you could save thousands of dollars a year in interest on your mortgage, auto loans and other loans.
What is credit? How does it affect my life? What does that number mean? These questions and more are answered in Beautiful Credit, an accessible guide to all things related to credit and how it can change your life. Whether you want to buy that car, rent that apartment, or get that job, you need to have the knowledge of your credit report, and the way to control it, for beneficial results with lenders and employers. Dealing with credit reports and credit bureaus can seem overwhelming, confusing, and hopeless, but entrepreneur and credit repair expert Derricka Harwell breaks these challenges down into easy-to-understand guidelines and diagrams. With this book, you will learn the basic ins-and-outs of how to ensure your credit report reflects who you truly are. With beautiful credit comes a beautiful lifestyle
Author: Patrice C. Washington
Release Date: 2016-01-19
Now widely available, the popular, award-winning, self-published guide to help women get out of debt, rebuild their credit, and fulfill their financial dreams. Patrice Washington rationalized her excessive spending. “I work hard, I deserve this.” “I bought it on sale.” But at twenty-two, the recent college graduate was $18,000 in debt and sinking fast. It was time to take control. Patrice educated herself about finance, adopted a new attitude toward money, and most importantly, adjusted her spending habits. By twenty-five she was debt free—and used the wisdom she gained to start her own successful real estate and mortgage brokerage—and by twenty-nine started her own financial counseling business. Patrice’s former bad spending habits aren’t unique, and women find themselves in financial hot water for a host of reasons. Women earn less than men and have to stretch those hard-earned dollars further. They contribute more to caregiving and aging parents, live longer, and many—including most African American women—are choosing to stay single. Real Money Answers for Every Woman teaches you how to take responsibility for your financial future, whether you’re just starting out or need a fresh start. In a handy Q & A format, it offers relatable and easy to understand and implement advice on everything from managing credit cards, home ownership, and student loans to affordable childcare and even negotiating for a higher salary. Following Patrice’s practical advice, you’ll learn to form “wealthy” habits, establish an “opportunity fund,” stop collecting STUFF that causes debt, and discover the freedom that comes from feeling financially secure.
Author: Ozzy Osbourne
Publisher: Grand Central Publishing
Release Date: 2010-01-25
"They've said some crazy things about me over the years. I mean, okay: 'He bit the head off a bat.' Yes. 'He bit the head off a dove.' Yes. But then you hear things like, 'Ozzy went to the show last night, but he wouldn't perform until he'd killed fifteen puppies . . .' Now me, kill fifteen puppies? I love puppies. I've got eighteen of the f**king things at home. I've killed a few cows in my time, mind you. And the chickens. I shot the chickens in my house that night. It haunts me, all this crazy stuff. Every day of my life has been an event. I took lethal combinations of booze and drugs for thirty f**king years. I survived a direct hit by a plane, suicidal overdoses, STDs. I've been accused of attempted murder. Then I almost died while riding over a bump on a quad bike at f**king two miles per hour. People ask me how come I'm still alive, and I don't know what to say. When I was growing up, if you'd have put me up against a wall with the other kids from my street and asked me which one of us was gonna make it to the age of sixty, which one of us would end up with five kids and four grandkids and houses in Buckinghamshire and Beverly Hills, I wouldn't have put money on me, no f**king way. But here I am: ready to tell my story, in my own words, for the first time. A lot of it ain't gonna be pretty. I've done some bad things in my time. I've always been drawn to the dark side, me. But I ain't the devil. I'm just John Osbourne: a working-class kid from Aston, who quit his job in the factory and went looking for a good time."
Are Debt Collectors Calling You? On Your Job? On Your Cell? Are You Receiving Threatening Collection Letters in the Mail? Threats to Sue You? Garnish Your Wages? STOP HIDING! Dodging Telephone calls and tossing unopened letters in the mail is NOT the answer! If you are tired of being harassed, insulted, and threatened by debt collectors; THIS EBOOK IS FOR YOU! You'll receive my 10 proven strategies that I have personally used as a Certified Credit Counselor to save my clients thousands of dollars and to FIGHT BACK and WIN against debt collectors! You'll learn the POWER that lies in your state and federal consume right laws, how to turn the tables on baseless threats, how to REMOVE COLLECTIONS from your credit reports, what VALIDATION is, how to spot violations during the initial telephone call and in your collection agency letters; CASE LAWS that give you the upper hand, DISPUTE LETTER templates for you to utilize immediately, AND MORE! Remember this, Financial Literacy is POWER. The more educated you are on your rights, the more powerful you are. I'm going to teach you how to get your power back and pound annoying debt collectors in the sand!
Author: Stephanie L. Jones
Publisher: WestBow Press
Release Date: 2016-12-16
The Giving Challenge will show you how you can make a difference, without a lot of time or money. In the process, you’ll learn to lead a richer life. - Harvey McKinnon, co-author, The Power of Giving A simple challenge for a richer life What began as a New Year’s resolution, a challenge to give a daily gift for a month, thrust Stephanie into an adventure—from befriending a crying stranger at the airport to giving away a pencil collection she started as a child. One month turned into 500 days, and five years later Stephanie’s daily giving is a way of life, changing her in ways she never imagined. The Giving Challenge inspires you to focus on others for forty days. What you’ll discover will surprise you and delight others! Stephanie shares some of her favorite gifts and stories from her journey, including stories from people like you, who dared to dream about the power of giving, and put their dreams into action.
Author: United Nations Development Programme
Publisher: Human Development Report (Pape
Release Date: 2017-03-21
Genre: Business & Economics
This report focuses on how human development can be ensured for everyone, now and in future. It starts with an account of the hopes and challenges of today's world, envisioning where humanity wants to go. This vision draws from and builds on the 2030 Agenda and the Sustainable Development Goals. It explores who has been left behind in human development progress and why. It argues that to ensure that human development reaches everyone, some aspects of the human development framework and assessment perspectives have to be brought to the fore. The Report also identifies the national policies and key strategies to ensure that will enable every human being achieve at least basic human development and to sustain and protect the gains.