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Why it's important women protect and increase their credit scores? A good credit rating is one of the most powerful tools that women need to give themselves economic power. As I travel around the country conducting Financial Healing Seminars and doing Christian Radio Shows, I am getting a lot of feedback from women who are not prepared financially in the area of credit. Unfortunately, the husband might have passed away, separated or divorced. Women are left holding the financial bag with holes. Here are a few ways that negative credit can affect a woman when she is put in a position to take care of herself and in some cases her beautiful children. Employment: Most companies are now running credit before they decide to hire you. Sometimes a low credit score can keep you from getting promoted. Car Payment: Most states have financial parasites that will charge up to 29% for a car loan, which can have a devastating effect on your cash flow. Mortgage: Some women are paying 9, 10 and 11% for a mortgage but with a strong credit score they can possibly refinance that mortgage at lower interest rates and use the difference for college education, retirement, savings or to create generational wealth. Below is a breakdown of score ranges and the kind of terms women can expect at various levels: 650 or higher: A score of 650 or above indicates a very good credit profile. Women falling into this range will usually be able to obtain credit quickly and at a good interest rate. 620 or less: This score will mean higher interest rates for women, if credit is granted at all. We have powerful systems to help women improve their economic position so they can focus and operate from a position of strength in our society. Remember: Financial Mastery equals peace of mind in our households. Beloved, I wish above all things that thou mayest prosper and be in health, even as thy soul prospereth. (3 John: 2) Submitted by Anthony Stroman (Financial Healer) Office 770-477-2477 Cell: 678-907-3135 Email: Stromanenterprise@hotmail.com Website: www.fdimember.com/astroman --------------------------------------------------------------------------------------------------------------------------------------------------- Confessions of a Shopaholic
Be honest with yourself about your addictions and escape patterns. If you don't, they will consume and destroy you. Addictions drain you of your peace of mind, money, health, job, relationships, integrity and blessings.
This
misdirected emotional relief is a hiding place and temporary band-aid
to cover your pain, fear and restlessness.
Tell the truth to yourself and the truth will set you free and
on your way to peace of mind, success and personal growth. Stop having those "out of money" experiences. Permission is granted to republish this article on your website on condition that you include the byline with all hyperlinks. Signs of Compulsive Debting http://www.debtorsanonymous.org/ 1. Being unclear about your financial situation. Not knowing account balances, monthly expenses, loan interest rates, fees, fines, or contractual obligations. 2. Frequently "borrowing" items such as books, pens, or small amounts of money from friends and others, and failing to return them. 3. Poor saving habits. Not planning for taxes, retirement or other not-recurring but predictable items, and then feeling surprised when they come due; a "live for today, don't worry about tomorrow" attitude." 4. Compulsive shopping: Being unable to pass up a "good deal"; making impulsive purchases; leaving price tags on clothes so they can be returned; not using items you've purchased. 5. Difficulty in meeting basic financial or personal obligations, and/or an inordinate sense of accomplishment when such obligations are met. 6. A different feeling when buying things on credit than when paying cash, a feeling of being in the club, of being accepted, of being grown up. 7. Living in chaos and drama around money: Using one credit card to pay another; bouncing checks; always having a financial crisis to contend with. 8. A tendency to live on the edge: Living paycheck to paycheck; taking risks with health and car insurance coverage; writing checks hoping money will appear to cover them. 9. Unwarranted inhibition and embarrassment in what should be a normal discussion of money. 10. Overworking or underearning: Working extra hours to earn money to pay creditors; using time inefficiently; taking jobs below your skill and education level. 11. An unwillingness to care for and value yourself: Living in self-imposed deprivation; denying your basic needs in order to pay your creditors. 12. A feeling or hope that someone will take care of you if necessary, so that you won't really get into serious financial trouble, that there will always be someone you can turn to.
S.T.O.P. (on-line support for overspenders)
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The
pressures of life overwhelm many people. Som
I
am a confessed shopaholic. I needed to be in retail therapy
for a long time. I'm getting better. One day at a time, I'm
recovering from poor impulsive spending habits. I've seen
improved results in my internal government to use good judgment. My
income and my peace of mind have increased. 
How? I
finally told the truth to myself. I got sick and tired
of the denial, financial stress, stupid choices, lack of knowledge
and lack self-discipline. I began to read and collect money
tips and insights to help my financial habits and increase my income. I
was reminded through prayer that I must master the small things before
God would increase my territory to master the larger things. As
a public speaker and author, I study and teach what I need to learn
from my own painful and wonderful life experiences. So a couple
of years ago I shared the financial insights I learned. I called
it "Money Health - How to Heal the Dis-ease of Being Broke".
I created 12 steps to help me keep my wallet closed and to stop hiding
the evidence 
emotional, impulsive
and unnecessary, so this question helps me to just say "no", step away,
put it down and save my money.