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­­March Money Madness: The Importance of the W4

­­March Money Madness: The Importance of the W4

By: Charlestien Harris  If you are a sports fan, then you know what March Madness is all about. The month of March is a great time to look at your finances ahead of tax season, and I’m here to help you through the madness! This week, I want to help make sure your...

Creating Good Financial Habits

Creating Good Financial Habits

By: Charlestien Harris When it comes to making or breaking habits, the experts are varied in their advice. One study says it can take anywhere from 18 to 254 days to form a new habit. Another study promotes the 21 /90 rule, which says that one must commit to a...

Healing the Heartbreak of Bad Credit

Healing the Heartbreak of Bad Credit

By: Charlestien Harris All month long I’ve been talking about financial love, and we all know that "Love Don't Come Easy." There is always chance of heartbreak. The final piece of my financial love advice touches on why building or rebuilding your credit profile is...

Financial Freedom Is Loving Debt Elimination

Financial Freedom Is Loving Debt Elimination

By: Charlestien Harris How is your relationship with money coming along so far? It can be pretty scary at first and a somewhat challenging commitment, but it is all very possible. One of the most important traits to consider when trying to reach your goal of financial...

Falling in Love with Financial Freedom

Falling in Love with Financial Freedom

By: Charlestien Harris When most people think of falling in love, they usually think of it as another person. In this case, during February, let yourself fall in love with your money all over again. We often miss the opportunity to fall in love with our money. The...

5 Tax Filing Tips for 2022

5 Tax Filing Tips for 2022

By: Charlestien Harris Tax season is here, but don't sweat it. We've got your back! Knowing these five tips can help you avoid the common mistakes that tax payers make and ensure that your tax return is filed on time. 1. Use E-file and Direct Deposit Electronic filing...

How Credit Utilization Affects Your Credit Score

How Credit Utilization Affects Your Credit Score

If you’ve been reading my column for any time now, you know how important your credit score can be. You also might know that there are several factors that affect how your score is formulated. Today, we’re going to talk about one of them – credit utilization – and...

Quick Tips on Writing a Hardship Letter

Quick Tips on Writing a Hardship Letter

The COVID-19 pandemic has affected nearly everyone on the planet to some degree. And while the economic impacts have been severe for people across the spectrum, those who were struggling even before it began have been hit especially hard. Reduced hours, lay-offs, or...

How Credit Utilization Affects Your Credit Score

Top Ten Signs of Debt Overload

In all areas of life, there are warning signs that tell us when something is wrong, and the same can be said for our financial life. According to financial experts, nearly 80% of Americans are in debt. That means about 8 in 10 Americans have some form of consumer...