Step By Step Financial Wellness

It’s tax time, so you know what that means? MORE SCAMS! 😆 don’t get caught up, skip the CPN offers and fix your own credit.

Check this video out to learn why CPNs are illegal!

#️⃣Your social security number is REQUIRED when applying for credit or services from a company. If you provide something other than that, you could be committing fraud. 👌🏽It’s one thing to make a mistake n transpose numbers but when you intentionally provide false info, that’s no mistake. While it can be frustrating to be denied for a loan or a place to stay when you really need it, committing fraud is never the answer. 🚫If you’re denied, you will better spend your time and money researching how to improve your credit, or hiring a reputable company (like @sbs.financialwellness) or person to assist you in the credit improvement process. 🔑 A pro tip I learned from @jtpocketwatcher is to only provide your SSN when it’s required, & to withhold it when it’s not required (ie at the doctors office) to prevent identity theft. #financialeducation #scamalert #cpn #creditprivacynumber #loan #credit #tipoftheday

🚨It’s Tax time, you should have received all W2s from your employers by this point. Here are a few tips to keep in mind:

‼️If you have a garnishment that may take your taxes, you need to complete the IRS 8944 form. But it must be approved first, the deadline is February 13, 2024.

‼️If you have any debts, now is the time that debt collectors will constantly contact you. DO NOT PAY THEM WITHOUT VALIDATING THE DEBT! They know you have your taxes in motion so they know you’ll be more willing to pay.

‼️If your yearly income is $45k or less, you can file your state and federal return FOR FREE through freetaxusa.com …. Save yourself hundreds in prep fees!

🤔Did you know that Yahoo Finance has ranked Detroit as #7 on the “overpriced cities” list?

According to them, “overpriced” is based on the expected home value compared to the average listing price.

🏠 In Detroit, the expected home value is $157,046 in comparison to the average listing price of $226,101. A difference of almost 46%.

Other cities on the list included:
10 Nashville, TN
9 Tampa, FL
8 Deltona, FL
6 Palm Bay, FL
5 Lakeland, FL
4 Memphis, TN
3 Charlotte, NC
2 Cape Coral, FL
1 Atlanta, GA

Is this surprising to you? Let us know what you think below!

When it comes to rebuilding your credit after a bankruptcy, it can feel impossible. However with the right information & a little strategy, you can bounce back!

1️⃣ create a plan to effectively spend your money (monthly and review it each time you get paid)

2️⃣be strategic when applying for credit. Call and ask questions before applying & be honest about your credit!

3️⃣getting a credit card is the best way to effectively rebuild your credit. When ppl say credit cards ruin your credit, that is false. Lack of discipline & a plan is what ruins it!

& lastly, give it time! It didn’t happen overnight and you can’t get your credit back right overnight. Educate yourself n then apply the knowledge. Be sure to follow .financialwellness for more tips to build & rebuild.

Want to achieve financial success, wellness, freedom…or whatever you want to call it???

Here’s what you need to do with your money after you’ve earned it:

1️⃣Intentionally SPEND your money using a spending plan

2️⃣SAVE money for rainy days, emergencies, or future plans

3️⃣Have good credit to be able to BORROW money when needed

4️⃣INVEST your money so that it works for you and grows

5️⃣PROTECT the things money buys and pays for (ie insurance)

At .financialwellness we focus on the first 3️⃣ pillars: Spend, Save, & Borrow. Those are the foundation for your financial future.

You can’t master the future without having the basics down! Do you agree? Comment 🙌🏽 below

🪧 Need a Sign to Start improving your credit? Well here it is!

🖥️ Join Devin & I next Monday at 7 pm for a FREE webinar. I will cover what makes up your credit report & score, giving tips on how to improve your credit, & answering your specific questions.

📅 Use the Link in my bio to secure your spot!

Been posting on IG! If you’re not already following, be sure to for credit and lending tips!

🚨 If you’ve wanted to check your credit but didn’t want to pay for it, here’s your chance! Spend the last quarter of 2022 getting your credit right! Take advantage of this because it may not happen again. ➡️Since 2020, they’ve allowed consumers to get free copies of their credit report every week. Two years later were still able to take advantage of this! Don’t miss out. #freebie #creditbasics #backtothebasics #creditrepair #creditmonitor #money #millennials #loans #transunion #experian #equifax

👂 Have you heard? Annual Credit Report has extended the time for consumers to get a FREE copy of their credit report EVERY WEEK!

💳 Yes, that is right, each week (instead of once a year) you can monitor all three credit reports.

Free weekly credit reports during COVID extended through December 2022 The three national credit reporting agencies — Equifax, Experian, and TransUnion — have extended until December 31, 2022 a program that lets you check your credit report at

Happy Monday! It’s almost the end of April, what is one money goal you ccomplished this month?
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