A New Year A New You! Walk into 2021 with Grace and Style, LIKE A BOSS.

Do you find yourself falling over and over into the bad credit trap? You’re struggling to keep afloat and just can’t seem to find a way to get out?
 
Pick yourself up, grab your favorite drink and read on because the credit savvy sisters will give you some advice on how to claim what is yours and walk like a boss in 2021.
 
Maybe it’s due to the pandemic where all of a sudden you find yourself jobless, you maxed out all of your credit cards and you’re struggling to pay your bills on time, or you’ve made poor financial decisions in the past because you were not taught how to budget your money or properly handle credit, or maybe you just didn’t have a fair start.  
 
As the scripture says:

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1. ​Reflect on what you have done in the past.

• Contemplate and identify the things that brought you in this situation so you will know what to avoid moving forward.
• Accept that you have made mistakes and forgive yourself.  

2. ​Leave the past behind.

• Whatever happened in the past leave it there and don’t get stuck in that situation.  
• Continuously speak life into your situation so you’ll have the boost to change your mindset.
• Be intentional. Write down your vision to make them feel tangible.

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3. Surround yourself with people who have the same mindset.

• As iron sharpens iron so one person sharpens another. Choose to be around people who have the same goals or have already achieved their goals. You’ll have a support system to celebrate your small wins but most importantly have someone to reel you back if you’ve strayed from your path.
• Accept the fact that you need to distance yourself from people who are pulling you down.

4. ​Educate yourself.

• If you were not taught the importance of credit and how to manage credit, then start with yourself so you can pass it on to the next generation.
• You can start by getting a copy of your credit report and analyzing the factors that have a significant impact on your credit score.
• If it gets too overwhelming, you don’t have the time to handle it yourself, or you just don’t know where to start then let the credit savvy sisters educate you, help you analyze your financial situation, set your budget, build your credit and achieve your ultimate goals.

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5. ​Be an example.

• Help your family and friends (especially your kids) avoid the bad credit trap by being an example to them.
• Keep in mind that repetition is the key when you want to learn.
• Instill in them the value of being financially responsible so they are equipped when stepping out into the world.

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​You might be in a situation where you’ve had a rough start or a false start. You think it’s hopeless and there is nothing you can do. But we are telling you, just focus on your goals because if you can’t imagine the goals you desire then it’s difficult for you to obtain them. It all starts in your mind and if you can change your mindset then you can win in every situation.