Credit Coaching by Kristi

Can Your Credit Score Measure a Length of a Romantic Relationship?

This one blew my mind. The Federal Reserve did a 15 year study over 12 million people and found an equation for determining how long a relationship might last depending on the credit score gap. Woah- wait, what?! Your credit score and profile is so much more than just a report to determine your interest rate or if you will be approved for a loan... it is a report of character. The Federal Reserve conducted this study to learn more about financial behaviors and accidentally stumbled on findings of relationship success based on credit scores at the time of starting a relationship. I found it fascinating and wanted to share this with you today. The Fed's abstract page: https://www.federalreserve.gov/econres/feds/credit-scores-and-committed-relationships.htm [https://www.federalreserve.gov/econres/feds/credit-scores-and-committed-relationships.htm]questions@creditkristi.com

Broke by Design?

In this episode, learn from Coach Kristi that the system is likely geared against you. You have to learn the rules of the game in order to win. It's not taught by our parents or in school, at least not the proper way, it is up to you to learn on your own. Otherwise, you are potentially paying tens of thousands of dollars over time in additional finance fees than you would with a great credit score. Learn about the debt trap and how to get out. You can do this! #credit #creditcards #managingcredit #debtmanagement #creditcoaching #credittips #moneymoneymoney

Could Trump Cap APRs at 10% for a Year? And Let's Talk The Cost of Money

President Trump sure is shaking things up. Social media is a-buzz with his crazy antics. Last week he went on social and posted he was going to have credit card APRs get reduced to 10% for a year. The goal is that with the lower APR, more of your payment goes to reducing your credit card balance. BUT, there are things he is not thinking through that could actually hurt millions of people rather than help them in that scenario. And what does money cost? The cost to borrow can be staggering. Listen in as your coach gives a few examples (which are intended to hurt so you pay your debts down faster!). Questions@creditkristi.com Pick up your copy of the Finish Financially Free book on Amazon: https://a.co/d/36v9jb8

Psychology of Spending

Before the action steps of paying off debt, getting out of debt, staying out debt, we really need to know a few angles in psychology that affects our spending and buying decisions. It even affects our commitments! Tune in to learn some really deep stuff about how the brain works when it comes to money decisions. Questions@creditkristi.com

Holiday Spending: Healing the Kid Inside You (Without Wrecking Your Credit)

So many adults overspend during the holidays because they’re trying to give their kids what they never had — not realizing they’re actually trying to heal a younger version of themselves. It’s love… but misdirected. And it often leads to debt and anxiety come January. This episode helps listeners: * Spot emotional spending * Understand their triggers * Build boundaries that still let them be generous * Protect their credit + peace Questions@creditkristi.com