Mentally Financial With Gary B.: Real Talk, Real Struggles, Real Solutions podcast

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Debt Collection Agencies to work under stricter rules from April 1 Debt collection agencies need to stick to much more stringent rules from April that are meant to ensure that there are fewer debt issues, according to the Inspection of Justice and Safety. For example, a new law will ban debt collection agencies from putting people under pressure. The agencies are also required to register in a public register. Existing companies have a year to sign up for the register, and new companies must do it immediately. The law will also ensure stricter demands of professional competence in debt collection agencies regarding how they deal with debtors and the information they provide. In addition, only certified bailiffs are allowed to threaten with a summons, which is a call to appear in front of a judge. Other debt collection services are not qualified to do this, according to the inspection. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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Financial Horizons: Mapping Your Financial Future 9:55

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Embark on a journey of financial empowerment with our comprehensive guide, "Wealth Horizons." This program is designed to help you articulate, plan, and achieve your financial goals, whether you're saving for a dream home, planning for education, or securing a comfortable retirement. Discover the strategic roadmap to financial success and cultivate a mindset that turns aspirations into tangible achievements. Take control of your financial destiny and set sail towards a prosperous future with "Financial Horizons." Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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Credit Chronicles: Personal Statement 6:21

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Experian credit reports as well as those from lesser-known credit bureaus may also contain a “Personal Statement” section, which allows you to explain any derogatory information contained in your file. This will likely have little or no impact on your overall credit standing or the decisions made by creditors and lenders, but it can’t hurt to provide a rationale. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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Credit Chronicles: Public Records 7:27

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There are three main types of public records that can be included in credit reports. Each has a detrimental impact on your credit standing and may remain for up to 10 years. Bankruptcies: Chapter 7, 11, and 13 bankruptcies can be listed on your credit reports. The length of time they will remain there and the damage done to your credit standing depends on the type of bankruptcy in question and whether or not you adhere to the terms of the bankruptcy. But other than that, “there is no way to mediate how much a bankruptcy affects your credit score. It is what it is, regardless of the chapter filed,” Tax Liens: Courts often attach a notice known as a lien to property records in order to block the sale of the property until unpaid debts (e.g. unpaid taxes) are addressed. Civil Judgments: If a court finds that you owe another party money (e.g. child support), this will be reflected on your credit report. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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Credit Chronicles: Unlocking Credit Inquiries 5:55

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An inquiry is recorded whenever your credit report is “pulled” (i.e. viewed) by another party, such as a lender, credit card company, service provider, landlord, or insurer. Credit inquiries remain on your credit report for up to 2 years, and each can temporarily result in a slight dip in your overall credit standing. If you wish, you can opt out from allowing companies to look at your credit report without your permission. This will simply remove your name and contact information from the lists that credit bureaus sell banks so that they can send people pre-approved credit card offers. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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Credit Chronicles: Decoding Your Credit History 8:41

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"Join me on 'Credit Chronicles' as I unravel the fascinating tale told by your credit history. In this segment, I break down the key elements, from payment timelines to credit utilization, providing a clear understanding of how your financial past shapes your present and future. Explore the nuances of closed accounts, public records, and inquiries, gaining insights that empower you to navigate the world of credit with confidence. Whether you're a financial novice or a seasoned pro, 'Credit Chronicles' simplifies the complexities of credit history, helping you unlock the secrets within your report. Tune in to decode your financial journey and embark on a path towards credit enlightenment." Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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Credit Chronicles: Unlocking the Power of Personal Information 9:27

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In the intricate world of personal finance, your credit report serves as a crucial document that wields significant influence over various aspects of your financial life. Join us on "Credit Chronicles" as we delve into the importance of personal information within your credit report. This podcast aims to demystify the complexities surrounding credit reports, shedding light on why these seemingly mundane details play a pivotal role in shaping your financial destiny. From loan approvals to interest rates, job opportunities to housing options, your credit report is the silent narrator of your financial story. We'll explore how credit scores are calculated, the impact of timely payments, and the repercussions of credit missteps. Uncover strategies to build and maintain a healthy credit profile, and learn how personal information becomes the cornerstone of financial trust in the eyes of lenders, employers, and more. Whether you're a financial novice or a seasoned expert, "Credit Chronicles" is your go-to guide for understanding the profound significance of personal information in the world of credit. Tune in as we unravel the intricacies of credit reporting, empower you with knowledge, and help you navigate the path towards financial success. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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Money & Relationships 13:13

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Slogan: Stop Chasing a Credit Score! Build your Credit Profile. Welcome to Mentally financial with Gary B. AkA Uncle G " Money & Relationships Feb 14, 2024" I'm glad you are taking the time to take your finances serious. On my show I talk about things that a real life money struggles. I don't bite my tongue I tell you what I went thru to get to financial relaxation. Here are the topic talked about on this episode: 1. Building a Solid Financial Base 2. Budgeting as a Couple 3. Setting Financial Goals Together 4. Communication Strategies 5. Addressing Challenges I encourage you the listeners to start your journey of financial planning for a resilient marriage & Relationship with your partner. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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What Is Debt Consolidation, and Should I Consolidate? 6:12

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Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “ What's the best way to pay off debt?" What Is Debt Consolidation, and Should I Consolidate? part 2 ” September 10, 2023, Episode 10 What’s up Fam. Today I wanted to talk about What's the best way to pay off debt part 2. Let’s talk about ways to pay your debt off so, you can really start to relax and do things that you really would like to do . In this episode I talked about: What Is Debt Consolidation, and Should I Consolidate? A new episode drops every Wednesday at 6 pm. I hope you can learn something that will help you in life. Friendly Reminder: A proper budget can help you plan your monthly spending. Friendly Reminder 2: I would say for beginners start with one check, and one savings account but consider increasing that number as your financial goals change. Checkout G. B. Roane Jr Financial If you need help with your personal finances Visit www.gbroanejrfinancial.org email me for a FREE 30 Minute Consultation Leave your questions for me at garyb@gbroanejrfinancial.org Mental health is something we must stop being scared to talk about. Let's work on ways to handle it. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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What's the best way to pay off debt" 7:41

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Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “ What's the best way to pay off debt" part 1” September 3, 2023, Episode 9 What’s up Fam. Today I wanted to talk about What's the best way to pay off debt? Let’s talk about ways to pay your debt off so, you can really start to relax and do things that you really would like to do . (Friendly Reminder: A proper budget can help you plan your monthly spending). Friendly Reminder 2: I would say for beginners start with one check, and one savings account but consider increasing that number as your financial goals chang e. In this episode I talked about: 1. The snowball method 2. Debt avalanche A new episode drops every Sunday @12pm. I hope you can learn something that will help you in life. Leave your questions for me at garyb@gbroanejrfinancial.com Checkout G. B. Roane Jr Financial LLC If you need help with your personal finances Visit www.gbroanejrfinancial.com Call 706-222-1987 for a FREE 30 Minute Consultation Mental health is something we must stop being scared to talk about. Let's work on ways to handle it. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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The 850 Credit Score! Now what? 5:56

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Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “The 850 Credit Score! Now what? ” August 27, 2023, Episode 8 What’s up Fam. Today I wanted to talk about “The 850 Credit Score! Now what? ” A 850 credit score is great to have, but it's not the end of the world if you don't get it. Let's start building a great credit profile. That is what helps you get the things you want in life. This doesn't happen over night . So, let's start with your goals and A proper budget. That can help you plan your monthly spending. It can keep you on track. I’m going to talk about building a great financial profile in this episode. A new episode drops every Sunday @12pm. I hope you can learn something that will help you in life. Leave your questions for me at garyb@gbroanejrfinancial.com Checkout G. B. Roane Jr Financial LLC If you need help with your personal finances Visit www.gbroanejrfinancial.com Call 706-222-1987 for a FREE 30 Minute Consultation * I would say for beginners start with one check, and one savings account but consider increasing that number as your financial goals change. *Mental health is something we must stop being scared to talk about. Let's work on ways to handle it. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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What is Debt? & How to handle it! 8:16

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Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “What is Debt? & How to Handle it .” August 20, 2023, Episode 7 What’s up Fam. Today I wanted to talk about “What is Debt? & How to Handle it" in this episode I will be telling you what debt is. Plus I will talk about how to handle a Collection Account. I would say for beginners start with one check, and one savings account but consider increasing that number as your financial goals change. I would say for beginners start with one check, and one savings account but consider increasing that number as your financial goals change. I’m going to talk about three things in this episode: Secured Debt and Unsecured Debt Credit Card Debt Medical Bill Debt Student Loan Debt Personal Loan Debt Car Loan Debt Mortgage Debt Collection Accounts A new episode drops every Sunday @12pm. I hope you can learn something that will help you in life. Leave your questions for me at garyb@gbroanejrfinancial.com Checkout G. B. Roane Jr Financial LLC If you need help with your personal finances Visit www.gbroanejrfinancial.com Call 706-222-1987 for a FREE 30 Minute Consultation Mental health is something we must stop being scared to talk about. Let's work on ways to handle it. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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How a proper budget can power your financial independence for beginners 8:15

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Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “ How a proper budget can power your financial independence .” August 13, 2023, Episode 6 What’s up Fam. Today I wanted to talk about “ How a proper budget can power your financial independence .” Let’s talk about financial independence. A proper budget can help you plan your monthly spending. It can keep you on top of your monthly payment due dates. I would say for beginners start with one check, and one savings account but consider increasing that number as your financial goals change. I’m going to talk about three things in this episode: It aligns your spending with your goals. It can improve your debt repayment strategy. It can help you achieve your savings goals. A new episode drops every Sunday @12pm. I hope you can learn something that will help you in life. Leave your questions for me at garyb@gbroanejrfinancial.com Checkout G. B. Roane Jr Financial LLC If you need help with your personal finances Visit www.gbroanejrfinancial.com / Google me: @dabudgetguy Call 706-222-1987 for a FREE 30 Minute Consultation Mental health is something we must stop being scared to talk about. Let's work on ways to handle it. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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How to Choose The Right Budget System For Beginners 9:52

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Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “How to Choose The Right Budget for Beginner.” August 6, 2023, Episode 5 What’s up Fam. Today I wanted to talk about “ How to Choose The Right Budget for Beginner.” The best system for you depends on what you’re trying to do — curb spending, pay down debt, build savings or something else. Choosing the right budget can take you along way. For Beginners: Bugdeting: I recommend the 50/30/20 Budget system. To start and add another once you get a hang on it Banking : I would say for beginners start with one check, and one savings account but consider increasing that number as your financial goals change. I’m going to talk about 4 things in this episode two which I use monthly: 1. Getting started: The 50/30/20 budget 2. Curb your spending: The envelope system , or 'cash stuffing' 3. Build up your savings: Pay yourself first 4. Make the most of every dollar: The zero-based budget A new episode drops every Sunday @12pm. I hope you can learn something that will help you in life. Leave your questions for me at garyb@gbroanejrfinancial.com Checkout G. B. Roane Jr Financial LLC If you need help with your personal finances Visit www.gbroanejrfinancial.com Call 706-222-1987 for a FREE 30 Minute Consultation Mental health is something we must stop being scared to talk about. Let's work on ways to handle it. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks If you would like a One on One session with me! Visit me at: www.gbroanejr.org www.gbroanejrfinancial.org Email me at: garyb@gbroanejrfinancial.org Slogan: Stop Chasing a Credit Score! Build your Credit Profile.…

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Budget Calendar: What It Is and Why It Matters for Beginner. 6:14

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