“Funding Your Future; Fostering & Figuring Out Finances”

It’s 2020 and we’re all striving to live our best life! How can one do this without making ends meet?! Exactly! You can’t. You can only live vicariously through others who’ve financed their right to do so. In this article, I am going to share a few tips, in no specific order, that will reupholster your pockets. Drop down and get your savings on Homies!

1. “It’s My Money and I Need It Now!”

Would you believe there is actually a site dedicated to helping you locate money that the government owes YOU! No, its not the IRS’ site. Don’t visit that site unless you plan on dishing out some diñero. The site I am referring to is called, Unclaimed.org. You simply visit this site, enter your name and state of residence, and VIOLA! You could possibly have funds festering from folks you weren’t even fond of. I, personally, did not have any unclaimed money but there were tons of folks in my area who did. Ever quit a job before receiving your last check? Ever overpay a bill? These unclaimed monies could be used to finance your future.

2. “Drop It Like It’s Hot! ‘Cause It Is!”

You need to drop the amount of your monthly expenses because they’re burning a hole in your wallet! Re-calibrate your bills by inquiring about your charges to make sure you aren’t paying over, eliminate unnecessary debt by cancelling any unused memberships or swapping them with less expensive options, and inquire about any discounts you could be receiving from your current service providers. You’d be surprised at the amount of money you could save by just doing this! Don’t fret if your bills won’t budge because there’s tons more stuff you could do to lead your best self into living your best life!

3. “B***h Better Have My Money!”

Check your bank account, OFTEN! Now, this step, I am very familiar with! I check my banking accounts daily and sometimes twice daily. You can never be too certain about the funds available to you. There could’ve been an error in a transaction, an unauthorized purchase, and sometimes credits are mistakenly applied to your account. Most people overlook their pending transactions like tips for the bartender, any payments made with your account/routing number, and other misc. transactions that may not immediately post to your account. Spending without knowledge of how much you have to spend can result in overdraft fees, account closures, negative remarks on your credit report, and in worst cases, loss of financial stability. Download the app for whichever financial institution you use so you can have easy access to view your spending. It’s important to “be in the know” Homies!

4. “Give Yourself Some Credit!”

Part of living your best life is having good credit! Credit works in place of money. I don’t always have a wad of cash hanging around, but when I do, I still opt to put it on my credit! Credit Karma is a FREE application/website that retrieves your credit report from Experian & Transunion. It is accurate AND you can even dispute inaccurate accounts that have been reported to your credit bureaus. Credit Karma will remove them if no supporting evidence is found resulting in a boost to your credit score. Although, sometimes you find institutions utilize their own credit retrieval software programs, the accounts that are open and unpaid will still have an impact on their findings! Again, “be in the know”!

5. “Address the Elephant in the Room!”

If you happen to check your credit and discover there are indisputable unpaid debts, it is wise to pay off the highest debt first! Nine times out of ten, it has the biggest impact on your score and would do you great justice to reconcile. Now, with that being said, it is always worth inquiring if the debt can be settled for less and/or if you can make a payment arrangement. We all make mistakes and it’s a good thing credit can be rebuilt so definitely take advantage!

These are just a few tricks to forging finer finances for yourself. Take a stab at it and see if you can kill off some debt and start saving for the future. Remember, in order to live your best life, you have to put your best foot forward!

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