@gwenjimmere I needed THIS!!! Tried to create my own at work using Excel. Couldn’t get all the formulas to work right. Some. No all. This will be a GREAT help! Thank you SO much!
Great Content! We are out of the financial coaching business, but we will be sending our clients over here for all the nuggets you provide. Thanks for this great content connecting the word with wealth. :)
I know some people will say “well what about a young person who can’t get credit on their own bc they have none?” I still say: dont co-sign We all had to start building credit somewhere The young person can work and buy a car they can afford in cash while they work to build up their credit. Or the family member can help to pay for it in cash. But never co-sign. I’m against car loans anyway.
Excellent question. 30% per credit card. Credit bureaus look at utilization per card, so you want to stay at under 30% of your available credit per card. Example: if you have $1000 of available credit on Card A, you'll want to stay under $300 on that card. If you have $10,000 of available credit on card B, you'll want to stay under $3000 on that card.
Except if a severely disadvantaged college student (great grand daughter) w/substantial employment (& exceptional character) NEEDS someone/anyone (her 85yrs old GGrandma) to help them to launch post-pandemic -$ a car to get to ‘n fro in merciless (transportation & costs) SoCal 😢 From a 850 credit score to a 300 immediately! Proverbs 23:5 “Wilt thou set thine eyes upon that which is not? for riches certainly make themselves wings; they fly away as an eagle toward heaven.”
@@gwenjimmere yep & she don't care 😆 she's been “great” Stewart ALL of her life…no ‘trust fund’ to leave anyone. BEGAN at a $$ disadvantage & is heaven 👼 bound! Great Grand daughter is a 🔹