#1 – Let’s Talk Personal Finance
***READ MORE WISDOM HERE*** You’ve been asking so here it is…LET’S TALK FINANCE! **BIG SMILES** Leave your questions below, let’s get financially independent together!
I strongly suggest that you begin to focus on changing your mindset first. Finances are 80% behavior. I’ve “been there done that” so if you think I don’t know, read my bio. I’m talking from the perspective of a black woman that was a single mom, divorced, on welfare, homeless, Section 8, GED, unemployed to a woman that is now employed, an Entrepreneur, married, mom of 3, a Business Owner, built a home, college educated, etc.
We have to increase our financial independence and it starts within our mind. I suggest that you subscribe and listen to Clark Howard (http://www.clarkhoward.com), Dave Ramsey (http://www.daveramsey.com) and Suze Orman (http://www.suzeorman.com) and listen to the stories of people that have it better and/or worse than you do. Begin to wrap your mind around financial independence, wealth, personal finance, budget (spending plan) and start the change.
Read finance books and learn what the wealthy do. Wealth is measured in time. How many days can you go without working before you’d be BROKE? I suggest reading T.Harv Eker, David Bach, Brian Tracy, Suze Orman, Napoleon Hill, Clement Stone, Dennis Kimbro, etc.
Get FREE e-books here! http://www.box.net/shared/5vkndn5cvy
Get your credit report and scores! Quit playing! Get them free, free, free! Credit Karma (http://www.creditkarma.com) and Quizzle (http://www.quizzle.com) – Disclaimer: I have a credit freeze so I didn’t try out Quizzle. I heard about it on the Clark Howard Show. Go to http://www.annualfreecreditreport.com every 3 months and get a copy of your credit report. Dispute old information and inaccuracies! Find out when bad debt falls off. This will help build your financial confidence.
Stop living in the land of excuses and do something about your financial life. You do not have to be broke. If you want to talk with me personally about your finances, I just might consider it. $15 per 15 minutes. Yep, I have those annoying student loans to pay off! I’m on a mission too!
***NEW***
I am working on a Money/Finance Coach/CheerLEADER aspect to Organic Life. Not a financial advisor, a coach/cheerLEADER to celebrate financial success with you. I don’t know about you, yet if I share my financial successes, hands are out to collect from certain folks. LOL!
What is a money coach? A coach/cheerleader that helps you look at the big picture and does a lot of hand-holding to get you on track with where you want to be financially. Unlike a CFP, the goal isn’t to sign you up for something at the end or to get you to invest with them. The goal is to make you financially responsible. I’m not playing with life ya’ll! We can have everything we believe for, work for and do. Have faith AND trust! Details will be revealed in the upcoming months.
If you have additional questions or want one on one Consulting visit here http://tinyurl.com/4kwx5zt to pay and book an appointment if you want to start your own business. Consulting begins at $40 per hour (2 hour minimum.) I will help you from start to finish to build your own business. 🙂 This opportunity is best for people that have a job and want a multiple income. I made $12k with my business from July – Dec working only on the weekends (20 days total). I can help you build any business, YOU CAN DO IT! “Teaching Part-time Entrepreneurs how to Achieve Full-time Success!” Tina
The information contained in this video has been prepared by sparkwisdom for informational purposes only and is not accounting or business advice. It is provided only as general information which may or may not reflect the most current legal developments. Consequently, the information should not be construed as legal, accounting, tax, investment or other professional advice or services. Each visitor is urged to consult one of our qualified professionals who understands their particular factual situation before making any decision, and sparkwisdom disclaims any responsibility for any action taken by visitors in their specific cases or for any misinterpretation on the part of such persons. You are responsible for compliance with all applicable laws and regulations.
Duration : 0:4:49
[youtube RY1hjZr_ca8]
maayong mga bantag …
maayong mga bantag…salamat sa pagpaambit….!
You’ve got a very …
You’ve got a very friendly demeanor! I’m so sorry to hear people hating on you just for talking in a conversating manner! Miss Spark Wisdom, I’m writing an article on personal finance for the working poor and building generational wealth, and household revenue… I’d love to get your insight… I’ll email you.
Go harass someone …
Go harass someone else. My thoughts and views are my own and if I want to express anything on my page about church or JESUS, I will. Okay? Thank you for watching:)
Than I would have …
Than I would have more respect for you!
Miss what does the …
Miss what does the church have to do with anything? What the does the church have to do with your finance unless it is going to put money in your pocket! The idea of some people aka black people and the church is the level of talking about a bugs bunny every minute. Bugs Bunny in the idea of what the f@ck does that cartoon have to do with the issued at hand?
Awesome video. It …
Awesome video. It gives me more to work with.
Hey there! First …
Hey there! First and foremost, thx for the positive and informative vids you post. Second, what is this success wall you speak of? If you havent already, maybe you can post a vid about it. thx in advance for your time
wonderful advice!! …
wonderful advice!! thanks for sharing!
I watched your …
I watched your videos on the 52 week plan. They were very inspiring.. I am going to start my plan late… but that’s ok.. I also have the book entitled “Girl get your money straight” started reading it years ago and put it down. I will be picking it back up in the morning.. I’m inspired to build wealth, starting my own business in a few months. Business plan done waiting on my certifications. Thanks for the extra boost of inspiration. When I start making videos I will make one regarding finan
(((HUGS))) back, …
(((HUGS))) back, thanks for watching!
*Hugs* You are …
*Hugs* You are such a blessing.
Wondeful, wonderful …
Wondeful, wonderful.
I have 30 year …
I have 30 year fixed. I brought my house before I heard of Dave Ramsey. I have a great mortgage and interest rate.
I had paid off two …
I had paid off two things on my credit report that my credit advisor told me besides the student loan – so how long will it take me to raise my credit score? He said I should also get a secure card to help bring it up?
That’s what I love …
That’s what I love about you! Keep it up!
That’s right! We’re …
That’s right! We’re not participating!!!
Get rid of that …
Get rid of that defeated mentality! “But most people don’t listen to me anyway.” I sure wish you would have mentioned it, I would have listened! Everything you speak is true, when you truly believe that, you will speak differently 🙂 Adopt that mentality and beat defeat!
LOL! An Elder once …
LOL! An Elder once told me “Who you are in private with God is how He rewards you openly to others.” Proverbs 3:6 and Romans 8:28 are hung around my neck 🙂 Thank you for watching!
Thanks! I like …
Thanks! I like talking about hair, yet I’m more concerned with the whole man. We are not just one dimensional.
Way to go! Did you …
Way to go! Did you do the Ramsey way and get a 15 yr fixed? Thanks for the info about Deborah Owens. I followed Michelle when she was part of the WSJ, yet I still take bits and pieces of it all. My life experiences have been so unique…
thanks for watching …
thanks for watching, you rock!
Thanks for …
Thanks for watching!
Depends. I filed …
Depends. I filed Chapter 7 in 2005. There was just no way I could pay off over $100k on a $33k a year teacher’s salary. I’ll cover this in a future video :). I highly suggest talking to people that have “been there done that.” An attorney will give you the black and white yet there is an emotional side to bankruptcy beyond just wiping out the debt. There is your credit, public information, some embarrassment, etc.
I need to check …
I need to check out Freakanomics, thanks!
You can also …
You can also contact the Bankruptcy court, I am sure you can find them online. I will say this though I am not an attorney. The Bankruptcy laws have changed. If you are going to get Ch. 7 you will have to meet with an attorney to see if you qualify to get Ch. 7. But contacting them they can consult you with what you need to do.