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Personal Finance Information |
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Money Matters - Really!
One of the biggest challenges facing black RELATIONSHIPS today are finances. Many people mistakenly feel that money does NOT matter. In fact, money matters the MOST! Why? Most people do not have a clue about their own financial destiny. You know you want to own a home and save some money toward retirement but have you PLANNED what it is you are saving each month and how that money will assist you in the future. Do you have a PLAN to empower yourself financially by NOT depending on your JOB to pay your salary and that's your only source of income. Times have CHANGED. Jobs come and go(and so do SPOUSES). To protect yourself financially you need to be proactive and not depend on anyone else to solve your financial issues. You can improve your finances RIGHT NOW if they are not in order. There are low costs alternatives to improve your credit score and increase your buying power. Power not to be wasted on designer shoes, clothes, and automobiles, but to be invested in REAL estate. An interesting term to be sure. REAL because it is the foundation of all REAL wealth in this country. Estate, because that is what you can leave your children and family if you handle your business correctly - RIGHT NOW. Money matters because in a relationship YOU should have your OWN MONEY! That is right- I said it! You should not count what someone ELSE brings to the table when all your money is tied up in petty and senseless bills. Talking about petty and senseless- let us discuss CARS! What would possess a person to lease an automobile? Other than as a BUSINESS expense (which also means TAX WRITE OFF) someone PLEASE Tell me WHY? I have heard of folks paying $500.00-$900.00 monthly on car payments. WHY? My car is paid for and I am proud of it. Yes, it is ten years old - BUT I don't work because I DON'T have to support my vehicle. If you are serious about getting more money in this lifetime, you will need to STOP SPENDING money RIGHT NOW on things that DEPRECIATE in VALUE such as CARS! Nuff said! We all need just ONE major credit card and an American Express card. The other credit cards need to be in the trash. The reality is- if you CANNOT pay for something you purchased within 30 days, you CANNOT afford it! Brutal I know but I have been there and done that. When you have to spend real $$$ on what you purchase, it truly does slow your roll. Contact me if you need to be pointed in the right direction. I will be happy to assist! In a personal relationship many of your disagreements WILL stem from money issues. Not just who makes what, but how it is spent and how it is saved. It seems like such a small thing but when you are commingling finance and love you need to establish boundaries up front. PLEASE DO NOT IGNORE THIS ADVICE! You should decide in advance if you want to keep your finances separate and have a joint household account. The household account should be open to both parties (online access is great for this) and not used for personal spending in any way. The check card will let you market, pay bills etc. A joint savings account would also make saving for special purposes much easier. No matter how much you trust each other, the savings accounts should REQUIRE both parties to sign off on withdrawals. Just to keep everything clean and above board. The traditional (old fashioned) way is to have just one account for checking and one for saving. Even though our parents did this, most mothers (and fathers) always had personal money SOMEWHERE that was just theirs. So why not be upfront about your own personal money issues so they do not come back to haunt you down the road. Michelle Smith-Billups owns serveral websites. Her main site, HurryDates-in-Black.com is dedicated to finding and building better relationships. Her focus has turned to money as a way to improve on what YOU have before you find a mate. This is NOT to be used to measure a potential mate, but as a means to open, honest and effective communication about finances before your relationship begins. http://www.HurryDates-in-Black.com/moneymatters.html
MORE RESOURCES: Warning: set_time_limit(): Cannot set time limit in safe mode in /home/www/dynamic/uv.ro/personal-finance.uv.ro/public_html/inc/rss.inc on line 8 The Retirement 'Rule of $1 More' Kiplinger What is a HENRY and are you one? The Detroit News These are the best places to retire in California, according to a new ranking San Francisco Chronicle Column | Five financial lies people should stop telling themselves The Washington Post Videos Make #Paydayroutines Everybody’s Business The New York Times Small-city lawyer, 36, uses multiple corporations to save and invest money The Globe and Mail Personal Finance: FICO meets buy now, pay later Chattanooga Times Free Press New CE: Controlled substances, personal finance, & more American Veterinary Medical Association High schoolers will be required to learn personal finance if lawmakers pass bill Colorado Public Radio The Indie Personal Finance Bestseller List the American Booksellers Association Fi Money rolls out AI feature for users' queries on personal finance via ChatGPT, Gemini Moneycontrol Two million student loan borrowers at risk of wage garnishment in July 2025: Are you one of them? MARCA Ramit Sethi Reveals A Misconception About Personal Finance: 'There's This Phrase That Drives Me Insane' Yahoo Finance WSJ taps Eisen as personal finance bureau chief Talking Biz News Abu Dhabi’s Island Projects: Smart Investment Opportunities Finance Monthly Performing a Personal Financial Health Audit: How Is Your Financial Health? The White Coat Investor How Will Trump’s Big Bill Affect Your Wallet? The New York Times Teaching Personal Finance Through Stories Pays Off — With Interest Stanford Graduate School of Business The ‘Hot Take’ on How To Actually Get Out of Debt, According to a Personal Finance Expert Yahoo Finance Ramit Sethi says you need these 9 'money milestones' before 40 if you want to be rich — how many have you hit? Yahoo Finance Best high-yield savings interest rates today, July 6, 2025 (best accounts offering 4.3% APY) Yahoo Finance Your kid is getting a ‘Trump account.’ Should you put your money in it? The Washington Post How to fix credit report errors: Dispute on bureau site, alert lender Business Standard Should I Borrow Against My $4 Million Stock Portfolio to Fund My Sons' College Expenses? 24/7 Wall St. HELOC rates today, July 6, 2025: The interest rate on a home equity line of credit stays the same Yahoo Finance Personal finance becomes the newest ‘adulting’ lesson for high-schoolers The Washington Post USA, Japan, Hong Kong pump $1.06 bn into Indian realty in Q2: Top deals Business Standard Personal Finance: Social Security crisis looms Chattanooga Times Free Press HELOC rates today, July 4, 2025: Holding steady as prospects dim for a summer interest rate cut Yahoo Finance Best high-yield savings interest rates today, July 3, 2025 (top account pays 4.3% APY) Yahoo Finance HELOC rates today, July 5, 2025: The home equity line of credit rate remains unchanged Yahoo Finance Personal Finance for Students? Teachers Could Use It, Too Education Week Governors Prioritizing Financial Literacy National Governors Association Most high schoolers want to learn about personal finance. Pennsylvania will soon require it. CBS News CD rates today, July 4, 2025 Fortune BHS to implement mandatory personal finance class Brainerd Dispatch |
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