WealthWise Ally

10/09/2026

It’s easy to fall in love with a listing before you’ve priced out living in it. Start with a monthly housing number that leaves room for the rest of your life. Think utilities, maintenance, insurance, taxes, savings, and the things you enjoy doing.

A lender can tell you what you may qualify for. You still get to decide what feels comfortable.

10/09/2026

10/08/2026

A monthly payment can look comfortable because the loan stretches out for years. Before you sign, ask for the total price, interest rate, loan length, and total amount you’ll pay. Then get an insurance quote for that car too. The real monthly cost is bigger than the loan payment.

10/08/2026

What are your thoughts?

10/07/2026

Before that refund hits, decide what you need it to do. Catch up on something important? Build a cushion? Handle a repair? Write down your priorities first, because money with no plan gets volunteered for everybody else’s plans real quick.

10/06/2026

Tax season is a rough time to reconstruct a year of business expenses from memory. Save the receipt when you make the purchase and note what it was for. A simple folder or spreadsheet you actually use can save you a whole lot of guessing later.

10/05/2026

A busy business can still leave you wondering what you actually earned. When business and personal purchases run through the same account, it gets harder to see what came in, what went out, and what you can afford.

Give your business money its own lane. Then review those numbers regularly.

10/04/2026

Behind on your federal student loans? If they’re in default, there’s a new online tool to help you figure out your next move. 👀

On September 30, the Department of Education and Treasury launched the Defaulted Loans Support Center on StudentAid.gov. You can now handle more of the process online instead of dealing with mailed forms and faxes. (ed.gov)

You can use it to:

• Review your options for getting out of default
• Apply online
• Upload paperwork and sign agreements
• Make payments and check your progress
• Explore repayment and possible loan discharge options

But friend, logging in does not erase your debt or clear your default. You still have to qualify for an option and complete the required steps.

Two common options are:

Loan rehabilitation: For most federal loans, you make nine on-time, voluntary payments within 10 consecutive months.

Loan consolidation: You combine eligible loans into a new federal loan. This may get you out of default faster, but the effect on your credit history can be different. Compare both before choosing. (studentaid.gov, studentaid.gov)

Before you start, grab your StudentAid.gov login, income information, loan details, and any collection notices. Keep copies of everything you submit and every payment you make.

Feeling overwhelmed? Start by finding out where your loans stand. You don’t have to figure out every step today.

Visit the official tool:
studentaid.gov/default-support

Want help reviewing your situation and organizing your next steps? Schedule an appointment with WealthWise Ally:
www.bookwithshanesha.com

Follow WealthWise Ally for credit and tax updates you can understand and use.