Credit Over Coffee

Divorce is never easy and can be a major impact on your credit. Join Jeanne Kelly Credit Coach and Lawyer, Radio Host & TV Legal Analyst Jonna Spilbor as they discuss divorce and how it can affect your credit.

Jeanne Kelly Credit Coach Find More Credit Tips and Programs at: https://www.jeannekelly.net Find Me On Twitter: JeanneKelly (@creditscoop) / Twitter https://twitter.com/creditscoop And Instagram! Credit Jeanne Kelly 💳 (@creditjeanne) • Tune in for More Free Tips! https://www.creditlifestyle.com/podcast-player Or watch my video series on Youtube! https://www.youtube.com/@CreditJeanne

To Connect with Jonna:

https://jonnaspilbor.com/

https://www.instagram.com/divorceboss/

https://www.linkedin.com/in/jonna-spilbor-92349...

https://www.facebook.com/JonnaSpilborLaw

Join Jeanne Kelly Credit Coach and Loan Officer Jeneen Hupfer on Credit Over Coffee as they discuss the first steps in Home Buying, first-time home-buying, and more! Tune in if you have even thought about purchasing a home. There may be steps to get you started that you wouldn't think of.

Jeanne Kelly Credit Coach Find More Credit Tips and Programs at: https://www.jeannekelly.net Find Me On Twitter: JeanneKelly (@creditscoop) / Twitter https://twitter.com/creditscoop And Instagram! Credit Jeanne Kelly 💳 (@creditjeanne) • Tune in for More Free Tips! https://www.creditlifestyle.com/podcast-player Or watch my video series on Youtube! https://www.youtube.com/@CreditJeanne

To Learn More about Jeneen:

https://www.facebook.com/jeneen.hupfer.1/

https://www.instagram.com/Jeneen.hupfer/

https://crosscountrymortgage.com/Jeneen-Hupfer/

Looking to buy a home? Maybe looking to relocate to Florida? Join Jeanne Kelly Credit Coach and Florida Realtor Andrea Owens on Credit Over Coffee as they share home-buying tips, Florida home-buying programs, and more! So listen now to learn more about how your dream of home-buying could turn into reality!

Jeanne Kelly Credit Coach Find More Credit Tips and Programs at: https://www.jeannekelly.net Find Me On Twitter: JeanneKelly (@creditscoop) / Twitter https://twitter.com/creditscoop And Instagram! Credit Jeanne Kelly 💳 (@creditjeanne) • Tune in for More Free Tips! https://www.creditlifestyle.com/podcast-player Or watch my video series on Youtube! https://www.youtube.com/@CreditJeanne

To Connect with Andrea Owens:

https://www.facebook.com/baycountyprobateexpert

https://www.facebook.com/groups/716155546452220

https://www.facebook.com/groups/540006627291398

Website:

andreasellsbayhomes.com

Happy 2023! Join Jeanne Kelly Credit Coach in this week's episode of Credit Over Coffee. In this episode Jeanne discusses her New Year's goals, setting your own goals, and how to make this year the year you too can have healthy credit! She also is here to let you in on upcoming programs, projects, and more that she may have up her sleeve this year.

Jeanne Kelly Credit Coach Find More Credit Tips and Programs at: https://www.jeannekelly.net Find Me On Twitter: JeanneKelly (@creditscoop) / Twitter https://twitter.com/creditscoop And Instagram! Credit Jeanne Kelly 💳 (@creditjeanne) • Tune in for More Free Tips! https://www.creditlifestyle.com/podcast-player Or watch my video series on Youtube! https://www.youtube.com/@HealthyCredit

Join Jeanne Kelly Credit Coach and Debra Killian Mortgage Education Specialist on Credit Over Coffee as they discuss getting into the mortgage industry, Debra's e-course and Mortgage Origination Practices.

As Director of Mortgage Education and Training her mission is to provide convenient, on-demand, affordable, high-quality education that improves turn times by reducing touches, keeping originators originating and dramatically improving customer experiences. We are your education arm.

Jeanne Kelly Credit Coach and Director of Mortgage Education and Training Debra Killian discuss Debra’s courses. It's an 18-hour course, and it teaches everything from taking the application to how to read the credit report to structuring loans, pricing loans, reading tax returns, qualifying income, and mortgage products. It goes through everything. And I put that course together because, I realized very early in my career, there really is no training in this industry, any standardized type of training.

I was just telling a young lady taking my class that I had somebody in one of my classes, he was in the business for 22 years and he wrote me this long, really nice testimonial, and he said, I can't believe that I've been in business for 22 years and never knew half the stuff that you taught me in this class.

The other thing is compliance. You know, a lot of people hear the word compliance and they kind of freak out a little bit and they think about laws and we are also offering now quarterly classes where companies can sign people up in advance.

Nobody ever taught them. Why didn't people teach us this earlier? You know, the biggest problem with underwriting is debt to income. Debt to income people not calculating the income correctly. What I say, overstating income and understating liabilities, which becomes a double whammy on it, on a debt to income and I come from the accounting business. I was shocked that people in this business couldn't read tax returns. They don't know the difference between a K one and a 10 99 and you know, just being able to figure out what they're supposed to know. And again, I just go back to the fact, Jeanne and you know this, there's a lot of money to be made in this business.

There's a lot of people making a lot more money than some of the accountants, some of the financial planners. I mean, there's a lot of money on the table. And to have no knowledge base to me is just mind-boggling.

Find out more about Debra Killian at:

https://cloes.online/

https://www.facebook.com/debra.killian

https://www.linkedin.com/in/debkillian/

https://twitter.com/montaukdk

https://www.instagram.com/canopy5090/

Join Jeanne Kelly Credit Coach and Money Coach April Stewart as they discuss learning about personal finance, lifestyle creep, and creating a spending plan. April talks about getting intentional about what you do with your money, being laser-focused on your income, and using it well. It's when you focus, implement, and take action, and the knowledge is there. Money is neither bad nor good. It's a tool. It's a powerful tool. It's a tool that you can do great things with.

April says her number one tip is focusing on managing what you have. So I think there's so much focus on, I wanna make more, I wanna make more, I wanna make more. Yes, making more is great, but making more is not the answer. You can make more and then spend all of what you're making.

That's not what's really going to help you to build wealth or to increase your net worth. It's not really about what you make but what you do with it. So I say, learn how to manage what you have in your hands. Learn how to make it work for you. Learn how to keep it. And then once you keep it, you know, then, of course, invest it and multiply it.

But that's really the key thing. And I will continue to shout it from the hills because people I talk to so many people and they don't get it like they make great money. More money than I've ever made, and they have nothing to show for it. And so it's just really is not always about what you make; it's really about what you do with it, how you manage it, how you steward it. That's my one tip. Learn how to really manage what you have.

Find out more about April Stewart at:

https://aprilthemoneycoach.com/

https://www.facebook.com/AprilTheMoneyCoach/

https://www.linkedin.com/in/aprilthemoneycoach/

https://www.instagram.com/aprilthemoneycoach/

https://twitter.com/moneycoachapril

Free Millionaire Money Checklist:

https://april-stewart.mykajabi.com/millionaire-money-checklist

Join Jeanne Kelly Credit Coach and Personal Finace Expert Patrina Dixon to talk about being a good steward of your own money, being intentional about doing things differently relative to your credit, and shifting your mindset on how to treat your money. Learn from the Financial Fundamental lady about having the money and the mindset shift to make it happen. Patrina talks about teaching people how to have a different relationship with their money and a different mindset about it. Then learning how to manage whatever it is that they currently have. Then you learn how to save, where, and make the most out of your money in a bank. People that think credit is bad usually have bad credit and don't understand how good credit can work well for them, it can actually help their savings because if you pay less in interest because your credit rate is better, you can use that amount. She also talks about side hustles. Some people need to earn more. How can you monetize skillsets that you have, things that you enjoy doing? She teaches them how to do that and think about it differently.

Lastly, she discusses her drive for financial education in high school and college students. When you make an observation you have an obligation. When you know better you do better. Helping to educate younger generations so they don't make the mistakes she's made and are set up for a more successful relationship with money and the future.

Find out more about Patrina Dixon at:

https://www.itsmymoneyjournal.info/

https://www.facebook.com/profile.php?id=100013355082005

https://www.youtube.com/c/It’sMyMoneywithPatrinaDixon

https://www.instagram.com/itsmymoney_/

https://twitter.com/itsmymoney_

Join Jeanne Kelly Credit Coach and Mortgage Broker Denise Panza on Credit Over Coffee as they discuss Jeanne’s First Time Home Buyer Webinar, finding your Dream Team, Success Magazine, and wanting to live IN your home not FOR your home.

Find out more about Denise Panza at:

https://www.facebook.com/denise.panza

https://www.linkedin.com/in/denise-panza-b726b46/

https://www.instagram.com/denise_panza/

Entering a wonderfully festive time of year, it's easy to use your credit card to buy gifts. Listen in as Jeanne shares her ideas on using your credit smartly and creatively during the holiday season. Always keep your eyes on healthy credit!

~To Your #HealthyCredit!

Jeanne Kelly Credit Coach

Find More Credit Tips and Programs at:

https://www.jeannekelly.net

Credit Classes Online:https://www.jeannekelly.net/online-class/

Video Module Lessons Accessible Anywhere With An Internet Connection

Coaching Session:https://www.jeannekelly.net/credit-coaching/

Book A Session With A Personal Credit Coach Today!

Personal Coaching Session:https://www.jeannekelly.net/jeanne-kelly-credit-coach-session/

Work with me, Jeanne Kelly Credit Coach in a private session!

Find Me On Twitter: JeanneKelly (@creditscoop) / Twitter

https://twitter.com/creditscoop

And Instagram! Credit Jeanne Kelly 💳 (@creditjeanne) • Instagram photos and videos

https://www.instagram.com/creditjeanne/

Tune in for More Free Tips!

https://www.creditlifestyle.com/podcast-player

Or watch my video series on Youtube! https://www.youtube.com/@HealthyCredit

Are you ready to break up with bad credit? Join Jeanne Kelly Credit Coach on Credit Over Coffee as she shares steps you can take TODAY to start rebuilding your credit! Building healthy credit doesn’t happen overnight. So listen now to what Jeanne Kelly did to rebuild her own credit. Put your plan together today to start creating healthier credit habits!

~To Your #HealthyCredit!

Jeanne Kelly Credit Coach

Find More Credit Tips and Programs at:

https://www.jeannekelly.net

Credit Classes Online:https://www.jeannekelly.net/online-class/

Video Module Lessons Accessible Anywhere With An Internet Connection

Coaching Session:https://www.jeannekelly.net/credit-coaching/

Book A Session With A Personal Credit Coach Today!

Personal Coaching Session:https://www.jeannekelly.net/jeanne-kelly-credit-coach-session/

Work with me, Jeanne Kelly Credit Coach in a private session!

Find Me On Twitter: JeanneKelly (@creditscoop) / Twitter

https://twitter.com/creditscoop

And Instagram! Credit Jeanne Kelly 💳 (@creditjeanne) • Instagram photos and videos

https://www.instagram.com/creditjeanne/

Tune in for More Free Tips!

https://www.creditlifestyle.com/podcast-player

Or watch my video series on Youtube! https://www.youtube.com/@HealthyCredit