EmpowerYou Financial

Leveraging the credit game often comes with the opportunity to change the terms of your loan, also known as refinancing. When done correctly, this strategic move can not only lower your monthly payment but also your interest rate which results in a lower amount of interest paid over time. This may not seem like a big deal but when you break down the math, a refinance can be a huge win for your per...

Financial Freedom Friday | Couples & Credit Listener Perks:   Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou F...

How many of us are truly financially prepared for an unforeseen accident that renders us unable to work? Or, God forbid, an accident that takes us from our families too soon? What would happen to our loved ones and dependents? How would we provide if we are unable to work? With far too many folks relying on the generosity of others through a platform like GoFundMe, we realize that we must be bette...

Financial Freedom Friday | Raising Money Smart Kids Listener Perks:   Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou F...

Many of us enter the new year with excitement and expectation as the new year often represents new beginnings and a chance to start over. With 2020 being the crazy year that it was, 2021 in particular, could represent a step in the right direction for us collectively and us personally as we hopefully begin our recovery from the global pandemic. One way to mark this transition, out of the old and i...

Financial Freedom Friday | Budgeting Listener Perks:   Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial

Many of us have heard the news of the second stimulus check coming our way. The amount of this stimulus check, by all accounts, is an insult to say the least in the context of anyone living within the United States. However, beyond of the frustration of such a disingenuous effort from the government, how do we as individuals protect ourselves and weather any financial storm? Is there any way we ca...

Financial Freedom Friday | Road To Home Ownership Listener Perks:   Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Fin...

There is a lot of misinformation floating around when it comes to credit report inquiries. Some inquiries are considered hard and some are considered soft. So, what's the difference and how do they each impact your credit score? And, is it true that not all hard inquiries are the same? Listen in as Eva breaks down the difference between a hard and soft credit report inquiry, dispels a few myth...

Financial Freedom Friday | Credit Card Rewards Listener Perks:   Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financ...

No matter where you are on the personal finance spectrum, there is always a next level to achieve. With that said, it may not always be clear how exactly to move up the staircase of financial freedom, especially with so many conflicting messages online coming from so many people. Despite this, what we do know is that leveling up takes a combination of recognizing where you truly are, having a clea...

Financial Freedom Friday | Pay The Professionals Listener Perks:   Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                     Access our FREE Facebook Group, Empow...

What would you rather have, an 800 credit score or $100K in the bank? While these things may not be exactly equivalent, this question brings up an interesting conversation around leverage and strategy as we look at our personal finances. Could both things be leveraged in a way that allows folks to level up? Sure. But, which one is better? Listen in as Eva shares her answer to this question and why...

Financial Freedom Friday | 700+ Club Listener Perks:   Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                 Access our FREE Facebook Group, EmpowerYou Financial

Emotional spending sometimes occurs when you buy something you may or may not need, as a result of feeling stressed out, bored, under-appreciated, unhappy, or any number of other emotions. In fact, we also spend emotionally when we are feeling happy and feel like celebrating. For example, what did you buy yourself the last time you got a raise, promotion, or bonus? Trust, there's nothing wrong...

Financial Freedom Friday | Credit Is King Listener Perks:   Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                   Access our FREE Facebook Group, EmpowerYou Finan...

In a special episode this week, Eva invites guests from the EmpowerYou community to listen in on a LIVE recording of the podcast. In the spirit of Thanksgiving, six awesome women joined the podcast as we talked about the attitude of gratitude and how being gracious positively impacts our personal finances. Listen in as Eva and our guests share the positive impact the EmpowerYou community has had o...

An investment by definition is the act or process of investing money for the purpose of profit or material result. But, is money the only type of investment worth making? Along this road of improving our personal finances there many types of investments we should be looking to make. Investing in individual people, your network, information, education, and your future, in addition to things like re...

Personal finance is typically not something we are taught in grade school. Usually, the lessons we learn around personal finance are taught to us by our parents and we are often thrust into the role of being our own personal finance manager as adults after we starting earning a living. Naturally, it would seem that since we are making the money we should also be the ones managing it, right? But, h...

Are you currently employed and feel drawn towards entrepreneurship? Are you a current business owner but really feel like life would be much easier if you had a 9 to 5? No matter which category you fall in, we often believe that grass is greener on the other side. However, truth be told, how you earn an income does not matter as much as how you handle your personal finances. Listen in as Eva share...

As much as we love our vehicles it is generally understood that cars are depreciating assets and not particularly great investments. However, even with that knowledge, we find ourselves stuck in a lease or finance contract because we need to find a way to get from A to B. With that said, despite these realities, is there still a way we can when at this car game? Do we always have to be "upside...

A vacation by definition is 'an extended period of leisure and recreation, especially one spent away from home or in traveling'. Despite the limitations of COVID, it is important for us to still find time for ourselves and our families to get away and unplug. While some may prefer a 'staycation' and those certainly can be rewarding, we believe there also is great value in the colle...

Have you ever applied to purchase a car or home and was told by the lenders that your credit score was not what you believed it to be? Whether you are using Experian.com or Credit Karma, it sometimes feels like we as consumers are looking at a set of scores and the lenders are looking at something entirely different. Why is that? Listen in as Eva breaks down the different FICO Credit Scoring Model...

One lesson that many of us have learned from the global pandemic is that nothing is promised. Before March, who could have ever imagined a time where everyone, literally everyone, was told to stay home from work? In the beginning, many of us welcomed the time to stay home and relax. However, after days became weeks and weeks became months and our income started to become uncertain, many of us were...

So, at what point should couples start discussing topics like personal finance and credit? And, once things get serious in the relationship, which accounts should be shared and which accounts should be separate? Are there best practices? Without approaching this topic the right way and being strategic, one could find themselves at a disadvantage if the relationship goes left. Listen in as Eva shar...