Financially Free with LaToya & Tracy

This is the final episode (Part 3) of our Life with Rashida series and the Season 1 finale of Financially Free with LaToya & Tracy.   Join us for a powerful conclusion with Eshe Rashida, Founder of Elly Mac Consultants and creator of "Life with Rashida." In this transformative conversation, we dive deep into growing while uncomfortable—because real growth and comfort don't coexist. Eshe shares hon...

Ready to dive deeper into the practical realities of living in Ghana? In Part 2 of our series, Eshe Rashida, Founder of Elly Mac Consultants and creator of "Life with Rashida," shares the day-to-day essentials you need to know about navigating life in Ghana. This episode goes beyond the numbers into the real experiences: shopping in Ghana—where to go and what to expect, negotiating etiquette and h...

Curious about the real cost of living in Ghana versus the United States? Join us for an eye-opening conversation with Eshe Rashida, the Founder of Elly Mac Consultants who lives in Ghana several months each year. She's creating "Life with Rashida" in Ghana—a transformative experience helping travelers discover authentic Ghanaian living while focusing on their overall well-being. Life with Rashida...

In today's episode, we're diving into Step 5 (Final Step): Dispute Errors and Clean Up Your Credit Report Like a Pro Errors on your credit report could be costing you 50-100+ points. In fact, 1 in 5 people have errors that are negatively impacting their credit scores — and most don't even know it. The good news? You have a legal right to dispute inaccuracies, and the credit bureaus MUST investigat...

This isn't your typical financial advice episode. Meet the real expert: my 86-year-old grandmother. A mother of 10. A homeowner. A woman who still feeds half her neighborhood on a fixed income. She didn't just survive tight budgets — she mastered them. And her financial wisdom? You won't find it in any textbook. You'll find it in her life, her choices, and the legacy she built with heart, resilien...

In today's episode, we're diving into Step 4: Lower Your Credit Utilization & Maximize Your Score. This is the FASTEST way to boost your credit score — sometimes in as little as 30 DAYS! Credit utilization is the second most important factor in your credit score (30% of FICO), and we're giving you the exact strategies to optimize it. Here's what you'll learn in this episode: ✅ What credit utiliza...

In today's episode, we're diving into Step 3: Handle Charge-Offs & Rebuild Payment History. Here's what you'll learn in this episode: ✅ What a charge-off really is — and why the debt doesn't disappear ✅ How charge-offs can drop your credit score by 100+ points (and stay for 7 years) ✅ Your strategic action plan to verify, negotiate, and handle charge-offs ✅ How to settle charge-offs for 40-60%...

In today's episode, we're diving into Step 2: Identify What's Helping and Hurting Your Score — Then Handle Collections. Here's what you'll learn in this episode: ✅ How to analyze your credit reports and identify what's helping vs. hurting your score ✅ The step-by-step process to verify and dispute collection accounts ✅ How to negotiate a "Pay for Delete" agreement with collection agencies ✅ Sm...

Struggling with credit card debt? This episode breaks down step-by-step strategies to pay off your cards faster, lower interest rates, and build a debt-free future using proven methods like the Debt Avalanche and Snowball. #DebtFreeJourney   #PayOffDebt    #CreditCardDebt   #DebtSnowball   #FinancialFreedom  

In today's episode, we're starting your journey to better credit with Step 1: Pull Your Credit & Set Your SMART Goal. Here's what you'll learn in this episode: ✅ How to pull your free credit reports from Experian, Equifax, and TransUnion ✅ Why you should check and write down your credit score today ✅ How to create a SMART financial goal that keeps you focused and accountable ✅ Why good credit...

Saying no can be one of the most powerful steps toward financial freedom. In this episode, learn how to set healthy money boundaries, stop enabling family and friends, and protect your financial goals. Discover practical strategies to stop living paycheck to paycheck, build financial stability, and take control of your money with confidence.   #FinancialBoundaries   #MoneyMindset    #FinancialFree...

Most people are just one paycheck away from financial stress — but it doesn't have to stay that way. Learn how to stop living paycheck to paycheck, build financial stability, create a realistic budget, pay off debt, and take control of your money for a more confident, secure future. #FinancialStability   #PaycheckToPaycheck    #MoneyManagement   #PersonalFinance   #FinancialFreedom    

What to Do When Your Income Stops, Pauses, or Suddenly Drops! #PersonalFinance #FinancialFreedom #MoneyTips #Budgeting #CreditScore

What Is a Credit Score? What an 850 Really Means, How It's Calculated, and Whether You Should Aim for It. #PersonalFinance #FinancialFreedom #MoneyTips #Budgeting #CreditScore