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#financialfreedom

in Beauty, Inspiration, Lifestyle, Travel

Selfishly seek growth in your life

I want you to promise me something. That today will be the last day you play it small.

That from this day forward you will dream big, live bigger, seek the biggest, and demand greatness in every aspect of your life. Envision your life and dreams until it seems so big it scares you. Remind yourself that you deserve the best and you’ll have it no other way. I want you to start seeking and living a life of excellence.

Envision yourself as if it already happened. As if you already have it. Live as if.Continue reading

in Business

Credit Bureaus… Were They Created to Hurt or Help You? I’ll Let You Decide…

“I stumbled on this photograph, it kinda made me laugh. It took me way back, back down memory lane. I see the happiness, I see the pain. Where am I? Back down Memory Lane” – Minnie Rippleton

Everyone has heard of the three major credit reporting agencies: Experian, TransUnion, and Equifax better known as the infamous credit bureaus. They are responsible for stalking you, I mean, keeping track of consumer spending and repayment history. Prior to their existence, a consumer could default on their financial obligation and easily go to another financial institution and obtain financing.

Most people are under the false impression that credit bureaus are operated by the government. Well, I hate to break your heart, but that is not true. All three bureaus analyze consumer credit in the US and each one of these agencies has its own proprietary method for doing so.

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in Business, Inspiration, Lifestyle

Selfishly Finish Strong

It’s time to prepare for the second half of the year. No, we aren’t waiting until January to figure this out. We’re starting now. You know all the plans and dreams you had before life got in the way. Have you thought about what would make you a better you? What does your life look like for the remainder of the year? What do you need to take action to fulfill your dreams?

When 2018 started I had to get honest with myself and ask “what exactly does Takisha want? And how is she going to get it.”

Trust me there was a time I didn’t have any idea. I barely knew who Takisha was anymore. I didn’t have time to dream or think about anything but the present because it was always something else that needed to be taken care of. Then I didn’t feel emotionally ready to unload all the ideas and thoughts I had in my head. So I kept pushing it off until I eventually forgot about it and what I wanted. Don’t let this be you.

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in Business, Lifestyle

Don’t quit your job before you’re ready

Don’t selfishly set yourself up for failure because you want to be an entrepreneur. I get it you hate your job, barely tolerate the people, and the money isn’t all that. So you want to quit it to follow your dream of finally starting your own business. But to quit without really assessing where you stand not just financially, but in your business is a selfish move. And not in a good way.

Bianca Robinson,  President of Cayden Cay Consulting tells the story of how “God told me to quit my job. But it wasn’t God, it was my ego. And the dumbest thing I could have done.” And now she encourages all of her clients to stay and work their 9-5, so it can fund their 6-10.

I totally agree with her. As someone who still does both, I can depend on my check regardless of how much I work. I can’t say the same for my business.

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in Business, Inspiration, Lifestyle

Selfishly add your name to these 3 lists

With Christmas upon you, if you’re anything like me, you’re probably more on the naughty list than the nice list. So I created my own list, remember this is a no judgment zone, lol. I want to share a few VIP lists you need to add yourself to. I want you to selfishly add your name to make sure you’re on the receiving end of gifts, growth, and development.

 

3 lists you want to make sure your name is on:

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in Business

Selfishly Keep Your Business To Yourself

Be selfish when you start your business.

You’re all excited about starting a new business and bursting to tell your closest family and friends. I caution you to hold that to yourself for a little while. Everyone doesn’t need to know about it just yet. Why? Because you’re still unsure about if you can do it, you don’t have all the pieces put together yet, it’s still just an idea.

Since you’re still in the idea phase you don’t need anyone else in your ear creating additional doubt about your idea. You don’t need people telling you what you can’t do, how you won’t be able to start it, you don’t know what you’re doing or how to make it successful.

Not everyone will be supportive of your dreams. They won’t understand why you’d want the headache of owning your own business. They want to keep you right where you are, on the same level as them. If they don’t know just yet they won’t be able to talk you out of your dreams, because they’re too scared to live theirs.

Now I’m not saying you can’t ever tell them, I’m saying tell them when you’ve gone from idea to an actual plan. You working on your plan will boost your confidence and help you solidify your idea.

Here’s a couple tips to make this work.

  1. Work on your business idea in private. This is to get the thoughts, ideas, and ramblings out.
  2. Create a plan, I used my brainstorming to a business booklet. In it, I go over different areas of business that most first time entrepreneurs need to consider before taking that leap. Let’s be real, starting a business is more than just you posting your product or service on social media.
  3. Once you’ve got your idea together, don’t worry if you don’t have everything figured out. Most of it will come from you trying different things.
  4. Figure out the money part. Most forget about the money until they realize starting a business takes money, maybe not a lot if it’s online, but it does cost some.
  5. Now go do a test run to see if what you’re offering, people actually want.

I know when we get ideas we want to run and tell the world about them, hoping they’ll support. When we know they won’t. You may also be interested in sizzling hot delux. Don’t look to others to tell you what you’re capable of. You need to figure it out without the outside world projecting that negativity on you. Because let’s be honest, you’re probably doubting if this will work along the way. It may or may not. You don’t need people discouraging you before you can even see if the idea will even work.

If you’re interested in the journal click here. It’s a collection of prompts to get the ideas out of your head onto paper to help you piece this business puzzle together. It has prompts ranging from: you as the boss, what you want to offer, to who, and how, and with what money.

Takisha

 

in Business, Inspiration, Lifestyle

5 Steps to Recovery After Bankruptcy

“Here I am, I’m still standing. Here I am, after all I’ve been through. I survived every toil and every snare…” Pastor Marvin Sapp

According to the Administrative Office of the U.S. Courts, in 2005, approximately 1.6 million people filed Chapter 7 bankruptcy. Unfortunately, I am one of the individuals included in that 1.6 million.

I was the designated fool amongst my family and “so-called” friends.  My poor judgment caused me to co-sign for family and friends that didn’t like to pay their bills on time or not at all.  I also accumulated a lot of debt on my own trying to get ahead in life.

Obtaining credit after bankruptcy is difficult. You will likely end up paying higher interest rates and could be targeted by unscrupulous lenders who believe that desperation makes you an easy target.

Regardless of your situation, your goal after filing bankruptcy should be to establish a good credit history. Here are 5 simple things you can do to start re-establishing good credit.

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in Business, Lifestyle, Uncategorized

The Basics- Your Credit Score!

“What I need from you is understanding, so simple as 1, 2, 3… Understanding is what I need” – Xscape

The majority of people understand the basics.  However, there are a number of complexities that could affect the average consumers credit.  If you pay your debts on time, don’t carry a high balance on your credit card(s), don’t close older accounts unless absolutely necessary and only apply for new credit when necessary, you will be in good shape.

Your credit report indicates your ability to handle debt responsibly and will help lenders decide if you are a desirable customer.  A high credit score can help you obtain low APR rates or secure special deals on loans. A low credit score may prevent you from securing loans and can hinder your ability to open a credit card, rent an apartment or even get a job.  A history of inability to manage your debts successfully will make lenders uncomfortable about trusting you.

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in Business, Inspiration, Lifestyle

Credit is Both a Blessing and a Curse…

“I always feel like, somebody’s watching me ” – Rockwell

Do you know who is looking at your credit report?  Do you know your credit score?  The answer to these questions may surprise you.

There are some people that want you to believe that a credit score is not important.  It may not be essential in everyone’s life, but having a good credit score will save you a lot of money, and may influence more things than you realize.

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