Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your Host Financial Life Coach Selena G. Thank You for joining along with me as we Focused Up these last 21 days of 2020. 

I know, I know, I can hear you saying how can I focus with so many distractions in the world. You have to make up your mind that no matter what you are going to complete your goals that you have set for 2020. Do not let nothing stand in your way of finishing strong. 

You have to be Focus Driven.

Focus is a point of concentration.

Driven is determined to succeed; highly energetic and motivated.

When you are Focused Up it can help you stay on track with your most important tasks each day. 

Don't Give Up! Focused Up!

**Still looking for Christmas Gifts go on Amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom". My book is filled with all the tools and resources you would need to take you to the next level financially. I am so glad that you have tune in to the 800+ Financial Freedom Podcast. Share it with your family and friends and leave a review. And always remember 800 It's not a number, It's Financial Freedom. Be Bless!

www.selenagibbons.com

Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your Host Financial Life Coach Selena G. Thank you for joining along with me on today as I motivate you to finish 2020 strong.

WOW!  Can you believe it we only have 28 days before 2021. What are you going to do to finish 2020 strong?  I know this year threw a curve ball at you not knowing how things were going to turn out. Whatever you do DO NOT QUIT. Do not allow life challenges to stop you push through to the end.

A few things you can do to help you finish the year strong:

**Write your goals down
**Break your goals into milestones
**Establish a morning regimen

Always remember, you have all it takes to finish what you have started.

**Don't forget to go on Amazon to purchase my new book " The Ultimate Guide and Tips Towards Financial Freedom".  My book is filled with all the tools and resources you would need to take you to the next level financially. I am so glad that you have tune in to the 800+ Financial Freedom Podcast. Share it with your family and friends and leave a review. And always remember 800 It's not a number, It's Financial Freedom. Be Bless!

www.selenagibbons.com

Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your Host Financial Life Coach Selena G. today I will share with you tips on How to protect yourself from scams and identity theft this holiday season. Grab your pen and paper as I share these important tips with you.

How do we prepare for battle? Three ways: Protect our mobile devices, recognize and avoid
 risks, and guard against identity theft.

Your device is only as safe as you make it. Avoiding free Wi-Fi at coffee shops and other public places is a good first step. Always secure your device with a difficult-to-guess password and/or biometrics.

**Don't forget to go on amazon to purchase m new book The Ultimate Guide and Tips Towards Financial Freedom. My book is filled with all the tools and resources you would need to take you to the next level financially. I am so glad that you have tune in to the 800+ Financial Freedom Podcast. Share it with your family and friends and leave a review. And always remember 800 It's not a number, It's Financial Freedom.. Be Bless!!

www.selenagibbons.com

Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your Host Financial Life Coach Selena G. today I will share with you simple tips on how to be financially fit for the holidays. Make sure to take some notes as we journey along together. 

How many of you are tired of overspending during the Holidays? 

Well today is the perfect day to sit down and develop a budget.

The first step in keeping your holiday spending under control is to make a budget. You should have four categories- one for gift giving, one for travel, one for food and one for entertainment expenses.

Next, make a list of everyone you plan to give a gift to. Then set a realistic spending limit for each person on your list along with some ideas of what you will give that person.

**Don't forget to go on amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom" . My book is filled with all the tools and resources you would need to take you to the next level financially. I am so glad that you have tune in to the 800+ Financial Freedom Podcast share it with your family and friends and leave a review. And always remember 800 It's not a number, It's Financial Freedom. Be Bless!

www.selenagibbons.com

Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your host Financial Life Coach Selena G. today we will talk about the importance of budgeting. I will be sharing a few tips from my new book. "The Ultimate Guide and Tips Towards Financial Freedom. Grab your pen and paper and take notes as I share some Awesome information about Budgeting with you.

What is a Budget? 
Budget is the sum of money allocated for a particular purpose and the summary of intended expenditures along with proposals for how to meet them.

When setting a budget make sure to put money into savings. Try to build two months of take-home pay for an unexpected financial emergency.

**Don't forget to go on Amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom" you will be glad you did. I am so glad that you have tune in to the 800+ Financial Freedom podcast share it with your family and friends. Know this 800 It's not a number. It's Financial Freedom. Now Go and be Great!

www.selenagibbons.com

Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your host Financial Life Coach Selena G. today I will go over with you some financial tips on how to save money. Whatever you do Don't Stop Saving.

Savings is the money a person has left over when they subtract their consumer spending from their disposable income over a given time period. Savings can be used to increase in come through investing.

The importance of saving money will help you to be prepared for unexpected emergencies that may come up.

**Don't forget to go on Amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom" you will be glad you did. I am so glad that you have tune in to the 800+ Financial Freedom podcast share it with your family and friends. Know this 800 It's not a number. It's Financial Freedom. Now Go and be Great!

www.selenagibbons.com

Happy Financial Freedom Friday and welcome to the 800+ financial freedom podcast. I am your host Financial Life Coach Selena G. today we will talk about Managing Your Credit During the Pandemic. 

Managing your credit can be a challenge. It may be tempting to make large purchases or take advantage of cash advances you can't really pay for. Keeping your debt at a reasonable level and making payments on time are two ways to build and maintain a strong credit history.

Pay your bills on time. You can be charged additional fees if you pay late. In many cases, you can pay your bills online, by phone, or by mail. You can even set up automatic payments to ensure that payments are made on time.

I am so grateful for this Amazing opportunity to share with tips on how to manage your credit during the pandemic. We are facing challenging times but we can not lose focus, we have to stick with our goals and plans that we have set for ourselves and our families. Apply these tips to your life and your will be BLESS.

**Don't forget to go on amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom" you will be glad you did. I am so glad that you have tune in to the 800+ Financial Freedom podcast share it with your family and friends now Go and be Great!!

www.selenagibbons.com

Happy Financial Freedom Friday and welcome to the 800+ financial freedom podcast. I am your host Financial Life Coach Selena G. today we will talk about how to maintain Good Credit and I will be sharing a few tips from my new book "The Ultimate Guide and Tips Towards Financial Freedom".
 
Today, I would like to share with you a few tips on how to maintain your great credit score. Treat all of your debts equally when it comes time to pay. Your credit score takes into account both revolving debt, trade lines or installment debt. Constantly having a balance on your credit cards can lower your score and hurt your chances for getting approved for loans or any other credit card accounts you may want to open. 

Keep your credit card balance low at all times because it is so hard to pay down a high credit balance if you do not have the money to pay the card off within 30 days.

It is always a pleasure to share with you every Friday, Financial tips to help you reach your financial goals. If you apply the tips and take action towards your debt you to will be walking in financial freedom.

**Don't forget to go on Amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom" You will Truly be Bless. I am so glad that you have tune in to the 800+ Financial Freedom Podcast share it with your family and friends now Go and be GREAT!!!

www.selenagibbons.com

Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your Host Selena G. today we will talk about how credit scores work. I will also be sharing a few tips from my new book "The Ultimate Guide and Tips Towards Financial Freedom". 

Credit is the ability to borrow money or access goods or services with the understanding that you'll pay later. Creditors look to your credit history, your record of borrowing and repaying funds-as a first step in determining whether to issue you credit.

Credit Score is a number that summarizes information from your credit reports. Scores typically range from 300 to 850, with higher scores being best. Lenders use credit scores to predict whether or not you'll repay a loan.

I am glad I was able to share this information with you on today now you know how credit scores work. All you have to do now is use your credit wisely.

**Don't forget to go on Amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom" You will Truly be Bless. I am so glad that you have tune in to the 800+ Financial Freedom Podcast share it with your family and friends now Go and be Great!!

www.selenagibbons.com

Hello everyone and welcome to the 800+ Financial Freedom Podcast. I am your host Financial Life Coach Selena G. Today I will be sharing with you the difference between refinancing vs. home equity loan. 

Refinancing pays off your old mortgage in exchange for a new mortgage at a lower interest rate. A home equity loan gives you cash in exchange for the equity you've built up in your property as a separate loan.

Both Home equity loans and refinances can have financial benefits. To determine the best option for your household, you'll want to take your total home equity into an account, as well as your goals, preferred repayment timeline, and how long you plan to stay in the home. Make sure to shop around for the best rates, as rates and closing cost can vary greatly from lender to lender.

I am glad I was able to share this information with you on today now you know the difference between a refinance vs, home equity loan.

**Don't forget to go on Amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom" You will Truly be Bless. I am so glad that you have tune in to the 800+ Financial Freedom Podcast share it with your family and friends now Go and be GREAT!!!