Financial Education Speaker & Consultant Transforming women from struggling and stressed to empowered about money by helping them conquer debt and build wealth.
Atlanta, GA
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A10.
My best advice: Don't just prepare to get the apartment. Prepare to keep it. Good credit gets you approved. Good money habits keep the lights on, the rent paid, and your stress low. #creditchat #FirstApartment
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A9.
Biggest mistake? Renting based on what you're approved for instead of what lets you sleep peacefully at night or picking an apartment strictly for looks (counter tops, decor, etc.) Leave room in your budget to live not just survive. #creditchat #FinancialConfidence
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Your emergency fund is your "I can still pay rent, I'm good" fund. Cars break down. Jobs change. Life keeps lifing. Savings give you options before a missed rent payment turns into an eviction notice. Rembmer savings is your seed money to weatlh #creditchat #EmergencyFund
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A7.
Buy now: mattress, shower curtain, cookware, cleaning supplies. Wait on the fancy décor, you don't need to buy it all at once. Check Facebook Marketplace or thrift stores first. Your apartment doesn't need to look perfect on Day 1. #creditchat #Adulting101
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Red flags? A landlord who won't answer questions, rushed paperwork, poor communication, hidden fees, or a property that looks nothing like the photos. Observe at how well the property is cared for. If it feels off now, it probably won't get better later. #creditchat
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A5.
Read the lease like you're looking for a reason not to sign it. Know the late fees, renewal terms, maintenance process, guest rules, and early termination policy. And PLEASE have an emergency fund before committing. #creditchat #KnowBeforeYouSign
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A4.
Before moving in, ask the awkward questions: How are bills split? What happens if someone loses their job? Overnight guests? Cleaning? Noise? The best roommate agreement happens before you move in. #creditchat #RoommateRules
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A3.
Everyone budgets for rent. Few budget for security deposits, utilities, internet, renters insurance, groceries, toilet paper, trash bags, & cleaning supplies. Adulting gets expensive so sit down and think about what will change about your budget. 📷 #creditchat #BudgetBasics
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A2.
Your credit follows you long before a mortgage. It can affect apartment approvals, security deposits, utilities, insurance coverage, and even your cell phone. Don't abuse your credit, treat it well now and future you will have more options. #creditchat #BuildCredit
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A1. Before you apartment hunt if you have time, practice paying "fake rent." Set aside what you think your rent will be for 2-3 months. If that feels impossible now, it'll be even harder once you sign a lease. Work to build the habit first #creditchat #FirstApartment
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A10
This week, pull your credit report, calculate your monthly spending, and start a "Future Home Fund"even if it's just $25. Confidence grows when you stop dreaming and start preparing. #creditchat #HomeownershipGoals
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A9
As someone who bought a home, lost it after an injury, and later became a homeowner again...my advice is this: Buy when you're financially prepared not because you feel pressured or what someone else thinks. Homeownership is a journey. #creditchat #FirstTimeHomebuyer
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Myth: "You need perfect credit to buy a home." Nope. I've seen people qualify with less-than-perfect credit. or You can't buy a home if you have filed bk. Nope I've filed bk and now own multiple properties. The goal isn't perfection it's preparation. #creditchat #MortgageMyths
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Please save for more than the down payment. Closing costs, inspections, moving expenses, home inspection, appraisal, prepays, furniture, repairs...and because life loves surprises, an emergency fund too. The keys are just the beginning. #creditchat #HomeBuying
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I don't buy based on solely what I can afford. I buy based on what still lets me travel, invest, save, and sleep peacefully. Don't become house rich and life poor. #creditchat #FinancialFreedom
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Lenders aren't just looking at your credit. They're asking, "Can you realistically afford this?" "What's the likelihood they will be able to pay me back?" Income, debt-to-income ratio, employment history, savings, and assets all help tell a story. #creditchat #MortgageReady
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Healthy credit is built in ordinary moments: paying bills on time, keeping balances low, checking your credit, and resisting the urge to finance everything. Small habits become big approvals. #creditchat #CreditHabits
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A3
Don't start with Zillow. Start with your budget and current money habits. Figure out what payment lets you sleep well at night and still live your life, not just what a lender says you qualify for. Peace is part of affordability. #creditchat #FutureHomeowner
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I wish more people knew your credit score is only part of the story. A great score can't overcome too much debt, inconsistent income or payment history. Build healthy financial habits, not just a higher number. You might need to leverage credit in homeownership. #creditchat
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Buying a home isn't just "Can I qualify?" It's "Can I comfortably KEEP it?" The mortgage is only one bill. Ask yourself if your budget can handle life after closing day and realistically explore what that looks like financially. #creditchat #Homeownership
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