Also, check your insurance policies, premiums, and consider using resources like sinking funds to cover immediate costs. My heart goes out to everyone!
Get more tips on preparing for the unexpected: www.thebrandsandbands.com/blog/weather...
As wildfires force evacuations in LA County, remember the 6 Ps:
- People & pets
- Papers & important docs
- Prescriptions
- Pictures & memories
- Personal computers + devices
- Plastic (cards/cash)
Finding it hard to save money? Here’s a hack: Every time someone asks for money, just say no and transfer that amount to your HYSA.
While they’re asking, you’re stacking. 🤭😂
This is a win, but let’s not ignore the bigger issue: healthcare costs. Fixing that will take even bigger changes.
In the meantime, this rule offers real relief to millions.
What are your thoughts? Will this make a difference for you?
What can you do to stay ahead?
- Know your rights under this new rule.
- Check your credit report regularly to ensure debts are removed.
- Negotiate your medical bills—many providers offer help if you ask.
- Build a medical sinking fund to avoid future debt (HYSA).
Here’s how the CFPB has been working for you:
- Stopped medical debts under $500 from being reported.
- Gave consumers more time to resolve bills before they’re reported.
- And now, removing medical debt from credit reports entirely.
Game changer, right?
The new CFPB rule will remove medical debt from credit reports, helping 15M Americans get a fresh start.
Here’s why this matters for YOU:
Medical debt drags down your credit score, making it harder to get loans, housing, or even jobs. This new rule could boost your score and more!
Did you know medical debt is one of the hardest debts to escape—also one of the easiest to get?
Whether you have insurance or not, 1 ER visit or unexpected surgery can leave you drowning in bills.
But BIG changes are coming in March 2025 that could erase $49B in medical debt.
What day do you stop saying Happy New Year to people?!
Some folks are starting over around the 12th, so it’s MLK Day for me! 🤭😂
It’s like “found money” you’re already using, but now it’s working for you. Every dollar has a job, even if the shift gets cancelled.
Canceled plans = carried-over savings. Little intentional moves like this add up fast! 💸
We love canceled plans—especially when they can help you crush your savings goals! 🤭
Here’s how: If you budgeted for an event or outing that gets canceled, take that money and move it to a sinking fund or your general HYSA.
Esp Grocery store gift cards.
Or you could simply give them a note that lets them know that they’re appreciated.
Parents — before you buy that mug for your children’s teacher or favorite staff member as a Christmas gift … use that cash to get them a gift card instead.
If you got to a big box store like Costco, you can get multiple ones within 1 swipe.
I still love getting gift cards from big box stores (Sam’s, Costco) because of the saving.
And so on.
Tis the season to be smart with your money. It can get a bit expensive outside.
If you’re going to use gift cards as a Christmas gift, be strategic.
My grocery store is giving back 2x fuel perks!
Most stores/resturants are giving you back small amount gift cards for buying a set amount (I mean, a gift for you).
Target has 10% off gift cards that ends today.
Effortlessly!!!
I love the girls, but she’s THAT girl!!
2024: This year as been unprecedented.
2025: Let’s kick it off — “wtf”..🙃👀
I know we were focused on using your FSA and HSA during Sephora sale, but —- using your savings account on things like a Oura Ring during Black Friday is another clutch.
Especially before your FSA funds expire. 👀🛒
Happy Thanksgiving Jive Turkeys! 🦃 🤍🥂
Hosting doesn’t mean you have to do it all. If feeding everyone isn’t in the budget, let those showing up with Tupperware chip in on the meal. Whether they bring a dish, dessert, or the drinks, hosting should be about everyone coming together—not one person breaking the bank to make it happen.
Happy Thanksgiving Eve, yall! Let us ease into rest and rounds of food over the next couple of days!
Also, holding gratitude is more than dealing with attitudes that don’t serve you!
Got my Thanksgiving posts designed, scheduled.
Email going out tomorrow to newsletter list.
No Black Friday promotions [planned to, but we pivot]
I’m legit resting on Thanksgiving and continuing my restructuring through the weekend.
My nervous system is smiling.
Someone said ain’t no way these kids need a whole week off for 1 dinner… 🤨😂😂😂
[instant cackle🤭]
I’m really tempted to get another cup of coffee, but dunno if my nervous system will go for it☕️
Check if any of those items are now on sale. Many stores have price-matching policies, which means you might be able to snag some money back!
Because who doesn’t love a good refund? Happy shopping! 🛒
We’re already deep into Black Friday, Cyber Monday, and It’s A Sale shopping season—but take a moment to look back at what you’ve bought over the past few weeks (not including groceries and utilities, of course 🤭).
Screaming!! Bot it out 😂
In my latest YouTube video, I’m breaking it all down for you:
✨ Auditing your wallet.
✨ Setting goals that actually stick.
✨ Getting the basics right—budget, saving, investing.
No fluff, just real talk to help you prep for 2025. Watch it here: youtu.be/hpSuU0YfLS8?...
The truth? You don’t need it all figured out or a massive bank account to start making progress. Just freaking START.
Small moves matter, and they add up fast. Whether it’s:
✅ Saving your first $400.
✅ Tackling that credit card debt.
✅ Or just figuring out your financial next step.
It all counts.