Today we are talking about the poor choices I made that landed me running and hiding from debt collectors for years.  The situation I got myself into that had me terrified every time the doorbell would ring, and the way that I dug myself out from underneath the heavy weight of ridiculous amounts of debt and a credit score that was well below 450.

How was your Christmas this year?  Was it stressful?  Was it fun?  Are you sighing with relief today that it's over for another year?  Are you excited about the way you spent the day and the weeks leading up to the day?  Today on the podcast I dive into Christmas regret and that dreaded clean out that happens in July where I send half of the gifts I purchase to the donation bin as well as some themes that have been coming up in financial facebook groups that I am a part of.  

Black Friday is tomorrow! 

Has your email inbox been blowing up?

That's actually what I want to talk to you about today.  How to rake in the biggest savings of your life this Black Friday and with Christmas coming up as well.

The best thing I have ever done to save money – that's what I am telling you all about today.

Friend, there is good news.  You can be grateful and still want more - and you don't have to feel bad about it!

This is what I dive into on today's episode made especially for you.

Today I'm sharing with you how to help your kids understand that you are in debt without totally scarring them for life.

This is something I was so afraid of.  I never really talked to my kids about our debt for a couple of reasons.  One:  I didn't want to scare them and Two: I was embarrassed and my kids are basically a tell-all-open book to the outside world. 

Today I'm sharing with you how to eliminate debt with the right mindset.

Now I know mindset isn't something that is talked about a lot when we look at paying off debt and living within our means, but when you make debt mean something bad about you, you hurt yourself.  That is your money mindset.

Today I'm sharing with you how to set financial goals that you will be able to stick to without fail!

First, we need to talk about the word fail. 

My favorite book right now is Everything Is Figureoutable by Marie Forleo.  I am literally listening on audible for the 3rd time.  One of the best chapters happens to be called "the truth about failure"

Today's episode is near and dear to my heart. 

This is something that I have made huge traction on in my own life over the last year. 

Living with a spender when you are a saver is not an easy thing to do. Today I want to give you some tips to make being married to a spender a little easier.

Today I'm sharing with you how to decide what you NEED in a home vs what you just WANT in a home.

How do you make sure you buy the right home? Between the home itself, the all-important location, and the limitations of your budget, there are a lot of variables to consider. It's quite a balancing act.

Today I'm sharing with you how Credit Repair Services work and how they compare to the Do It Yourself version.

Credit repair involves fixing your bad credit in any way, shape or form. But when most people use the term "credit repair," they're talking about the process of disputing errors on credit reports.

You can go through the dispute process for free with each of the credit bureaus on your own. This involves filing a formal dispute with the credit bureau(s) in question either online or by mail.

In your formal dispute, you want to provide a detailed explanation of the error and include any supporting documentation you have along with it.

A lot of people don't have the time to do their own credit repair or don't understand how to make their case. So they look into hiring a credit repair company to dispute the errors for them.

These companies charge a fee for their legwork—more on how that works later. There are times when extra help is valuable. For example, if you have multiple errors across credit reports or you've been the victim of identity theft, or you just have a bunch of negative items and not a lot of time to spend writing letters yourself or following up on everything.

Today we are going to talk about both types of credit repair—DIY and paid—starting with credit repair businesses.