Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions

Debt Collection Agencies to work under stricter rules from April 1 Debt collection agencies need to stick to much more stringent rules from April that are meant to ensure that there are fewer debt issues, according to the Inspection of Justice and Safety. For example, a new law will ban debt collection agencies from putting people under pressure. The agencies are also required to register in a pub...

Embark on a journey of financial empowerment with our comprehensive guide, "Wealth Horizons." This program is designed to help you articulate, plan, and achieve your financial goals, whether you're saving for a dream home, planning for education, or securing a comfortable retirement. Discover the strategic roadmap to financial success and cultivate a mindset that turns aspirations i...

Experian credit reports as well as those from lesser-known credit bureaus may also contain a “Personal Statement” section, which allows you to explain any derogatory information contained in your file.  This will likely have little or no impact on your overall credit standing or the decisions made by creditors and lenders, but it can’t hurt to provide a rationale. Support the show Pass this podcas...

There are three main types of public records that can be included in credit reports.  Each has a detrimental impact on your credit standing and may remain for up to 10 years. Bankruptcies:   Chapter 7, 11, and 13 bankruptcies can be listed on your credit reports.  The length of time they will remain there and the damage done to your credit standing depends on the type of bankruptcy in question and...

An inquiry is recorded whenever your credit report is “pulled” (i.e. viewed) by another party, such as a lender, credit card company, service provider, landlord, or insurer. Credit inquiries remain on your credit report for up to 2 years, and each can temporarily result in a slight dip in your overall credit standing. If you wish, you can opt out from allowing companies to look at your credit repo...

"Join me on 'Credit Chronicles' as I unravel the fascinating tale told by your credit history. In this segment, I break down the key elements, from payment timelines to credit utilization, providing a clear understanding of how your financial past shapes your present and future. Explore the nuances of closed accounts, public records, and inquiries, gaining insights that empower you...

In the intricate world of personal finance, your credit report serves as a crucial document that wields significant influence over various aspects of your financial life. Join us on "Credit Chronicles" as we delve into the importance of personal information within your credit report. This podcast aims to demystify the complexities surrounding credit reports, shedding light on why these s...

Slogan: Stop Chasing a Credit Score! Build your Credit Profile.   Welcome to Mentally financial with Gary B. AkA Uncle G " Money & Relationships Feb 14, 2024" I'm glad you are taking the time to take your finances serious. On my show I talk about things that a real life money struggles. I don't bite my tongue I tell you what I went thru to get to financial relaxation. Here...

Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners    Show Topic: “ What's the best way to pay off debt?" What Is Debt Consolidation, and Should I Consolidate? part 2 ” September 10, 2023, Episode 10 What’s up Fam. Today I wanted to talk about What's the best way to pay off debt part 2. Let’s talk about ways to pay your debt off so, you can really...

Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “ What's the best way to pay off debt" part 1” September 3, 2023, Episode 9 What’s up Fam. Today I wanted to talk about What's the best way to pay off debt? Let’s talk about ways to pay your debt off so, you can really start to relax and do things that you really would like to do . (Fri...

Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “The 850 Credit Score! Now what? ” August 27, 2023, Episode 8 What’s up Fam. Today I wanted to talk about “The 850 Credit Score! Now what? ” A 850 credit score is great to have, but it's not the end of the world if you don't get it. Let's start building a great credit profile. That is w...

Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners   Show Topic: “What is Debt? & How to Handle it .” August 20, 2023, Episode 7 What’s up Fam. Today I wanted to talk about “What is Debt? & How to Handle it" in this episode I will be telling you what debt is. Plus I will talk about how to handle a Collection Account.  I would say for beginners start...

Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners    Show Topic: “ How a proper budget can power your financial independence .” August 13, 2023, Episode 6 What’s up Fam. Today I wanted to talk about “ How a proper budget can power your financial independence .” Let’s talk about financial independence. A proper budget can help you plan your monthly spending.  It...

Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “How to Choose The Right Budget for Beginner.” August 6, 2023, Episode 5 What’s up Fam. Today I wanted to talk about “ How to Choose The Right Budget for Beginner.” The best system for you depends on what you’re trying to do — curb spending, pay down debt, build savings or something else. Choosing the...

Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “Budget Calendar: What It Is and Why It Matters for Beginner.” July 30, 2023, Episode 4 What’s up Fam. Today I wanted to talk about “Budget Calendar: What It Is and Why It Matters for Beginner” Let’s talk about can a budget calendar help you plan your monthly spending?  Can it keep you on top of your...

Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “How to Budget Your Money for Beginners” July 23, 2023, Episode 3 What’s up Fam. Today I wanted to talk about “How to Budget Your Money for Beginners” Let’s talk about budgeting your money and why we need to do it. I know some people don’t like to budget because it feels like you can’t do want you wan...

Mentally Financial Season 4:  Real Life Budgeting & Money Management  Show Topic: “How Many Banking Accounts Should I Have? for Beginners” July 16, 2023 Episode 2  What’s up Fam. Today I wanted to talk about “How Many Banking Accounts Should I Have? for Beginners” Let’s talk about Checking and saving accounts Why do we need them. I know some people don’t like banks. Some banks are doing crazy...

Mentally Financial Season 4:  Real Life Budgeting & Money Management for Beginners   Show Topic: “Realistic Budgeting for Beginners“ July 9, 2023  What’s up Fam. Today I want to talk about “Realistic Budgeting for Beginners“ I have struggled before myself. So, I know what it means to be on a tight budget. So, in this episode I want to talk real with you. You have got to start looking within yo...

Mentally Financial Season 3:  Money Management & Financial Stress Bonus Ep Season Ender Show Topic: " Emergency Fund: What It Is and Why It Matters." What’s up Fam. Today I wanted to talk about " Emergency Fund: What It Is and Why It Matters for Beginners " April 9, 2023. I know we all have hard times. I’m no different. I have struggled before. So, I know what it means to b...

Mentally Financial Season 3:  Money Management & Financial Stress    Show Topic: " 6 Ways to Set Financial Boundaries for Beginners" Ep12 Apr 2, 2023.  What’s up Fam. Today I wanted to talk about " 6 ways to Set Financial Boundaries for Beginners" I know we all have hard times. I’m no different. I have struggled before. So, I know what it means to be on a tight budget. So,...

Mentally Financial Season 3:  Money Management & Financial Stress    Show Topic: " How to Travel on a Budget for Beginners " Ep11 Mar 26, 2023.  What’s up Fam. Today I wanted to talk about "How to Travel on a Budget for Beginners" I know we all have hard times. I’m no different. I have struggled before. So, I know what it means to be on a tight budget. So, in this in this e...

Mentally Financial Season 3:  Money Management & Financial Stress   Show Topic: "Invest In Your Future" Ep10 Mar 12, 2023.  What’s up Fam. Today I wanted to talk about "Invest In Your Future" I know we all have hard times. I’m no different. I have struggled before. So, I know what it means to be on a tight budget. So, in this in this episode I want to talk real with you. Yo...

Mentally Financial Season 3:  Money Management & Financial Stress   Show Topic: "Pay Down Debt" Ep9 Mar 5, 2023.  What’s up Fam. Today I wanted to talk about "Pay Down Debt" I know we all have hard times. I’m no different. I have struggled before. So, I know what it means to be on a tight budget. So, in this in this episode I want to talk real with you. You got to start loo...

Mentally Financial Season 3:  Money Management & Financial Stress Show Topic: "Save Save Save" Ep8 Feb 26, 2023.  What’s up Fam. Today I wanted to talk about "Save Save Save" I know we all have hard times. I’m no different. I have struggled before. So, I know what it means to be on a tight budget. So, in this in this episode I want to talk real with you. You got to start lo...

Mentally Financial Season 3:  Money Management & Financial Stress Show Topic: "Track your Spending" Ep7 Feb 19, 2023.  What’s up Fam. Today I wanted to talk about  "Track your Spending" I know we all have hard times. I’m no different. I have struggled before. So, I know what it means to be on a tight budget. So, in this in this episode I want to talk real with you. You got...