Year End Money Tips [Poll]

Thanks to the Fair and Accurate Credit Transactions Act (FACTA) of 2003 (15 U.S.C. ch. 41, subch. I § 1601 et seq. and 15 U.S.C. ch. 41, subch. III § 1681 et seq.), you are entitled to request and obtain a free copy of your credit report once per year (every 12 months) from each of the three nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion).

You can order your free credit report by: Going online to The website AnnualCreditReport.com, by calling 1-877-322-8228, or by downloading this form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. 

Please watch out for scams because there are plenty of people wanting to defraud you.

Have you ever left the house with $100 and by the end of the day you $3.71; then you think to your self? Wtf did I spend that cash on? Well I don’t know about you, but I literally do that at least once a week. So that means this is the perfect time to make a clear money plan, set some financial goals, and create a budget. So how do we get organized?

First, let’s set up some goals; but we don’t want just any old goals, we want SMART Goals! One of those goals could be getting yourself on a Spending Plan or Budget. Once we have our goals, create an action plan. Then, once you have your goals and plan in place, you have to act. All the plans and goals mean nothing if you don’t put in the work. 

My main man Ben Franklin said it best: 

If You Fail to Plan, You Are Planning to Fail

Listen, we all know what goes down when life happens, so let us spend some time getting ready. Because when the sh...stuff hits the fan, we want to be prepared for it. This is a big deal, remember last week when we talked about the SHED Survey and how almost 4 in 10 adults in America could not handle a $400 emergency expense? Let's start 2020 off by trying to save about 3 months worth of expenses. Both the Atlanta Federal Reserve and the Federal Emergency Management Agency (FEMA) have good information on getting ready for a Financial Emergency.