Cents of Value

Got a bonus from work and wondering if you should pay off your debt or invest it? 🤔

Look at the ROI. If the interest on your debt is higher than average investment returns (~10% historically), then pay off the debt first. Especially high-interest credit card debt which can be around 30% 😱 And I know paying off debt isn’t as exciting as investing. But it saves you more money over time, frees up cash sooner for other goals, and reduces risk (and stress!) should your financial situation change.

If your debt feels manageable and you have a solid emergency fund, then investing can be a great option to grow your wealth. Still can’t decide? It’s totally okay to split the bonus and use it for multiple purposes. The best choice is the one that aligns with your goals and brings you closer to the life YOU want.

Ladies, you don’t have to be superhuman to be amazing.

A common theme I’ve been hearing from clients recently is the pressure they feel to be a “strong Black woman” or live up to “Black girl magic.” But magic doesn’t mean perfection, and strength doesn’t mean carrying the weight of the world alone.

You can be magical and still need rest, support, and space to grow.

If your money isn’t where you want it to be, don’t worry. Change is possible, even if you’re starting from a messy, unsure place.

✨ Take one step at a time.
✨ Give yourself grace to grow, even when you f*ck things up.
✨ Remember, your journey is yours—it’s allowed to look real, not perfect.

Don’t let the pressure of being flawless hold you back from building the life you deserve. You got this. 🤎

If you’re ready to build a more financially fulfilling life without the weight of doing it alone, I’m here to help. Reach out and let’s take that first step together. 🔗 in bio.

✨ 3 Steps to a Financially Fulfilling Life ✨

If your 2025 goals include finally feeling good about your money, it’s time to get intentional. Here’s the game plan:

1️⃣ Reflect: Look back at 2024. What financial wins made you proud? Where did things get off track? Be honest—not judgmental. The goal is to learn, not shame yourself.

2️⃣ Set: Pick one goal that excites you and will make the biggest impact. Be specific and connect it to your “why”—something meaningful that’ll keep you motivated.

3️⃣ Align: Make your money decisions match your goals. Before buying, ask yourself, “Does this move me closer to or further away from my goal?” Automate savings or payments so progress becomes effortless.

💡 Want help making 2025 the year you finally take control of your money? Book a free Q&A call (link in bio), and let’s turn these steps into a strategy designed for you.

Your dream life is closer than you think—let’s get started!

#2025

✈️ Client Win ✈️

Budgeting isn’t about restriction. It’s about creating freedom. For this client, that freedom means finally giving themself permission to rest, recharge, and explore the world 🌎

What could you do if your money worked for you instead of just slipping through your hands?

Hey y’all! I’m Marisa, founder of Cents of Value and a Financial Coach. I’m here to help you strategically use your money to create a life you never thought was possible. I support my clients in becoming more intentional with their money so they can spend unapologetically today and save for tomorrow (and yes! you can do both). 🔗 If you want to learn more, visit the link in my bio to schedule a free call. I would love to support you on your financial journey! #centsofvalue #makeitmakecents #financialcoach #personalfinance

Welcome to Cents of Value! We are here to help busy millennials strategically use their money to create a life they never thought was possible. Visit www.centsofvalue.com to learn more and schedule a free call.

Cents of Value – Financial Coaching for Busy Millennials Financial coaching that focuses on life, not numbers Get in the driver seat of your life by taking control of your money. You deserve to spend unapologetically on what you value the most. Tell Me More Obtain Financial Clarity Get a clear understanding of your current financial position and actionabl...