What is love?

What is your definition of love? If I had to define love, I would define love as patient, kind, and consistent no matter the course of the journey. When I think about love I think about God’s love and how God is love. Statistics say that over 40% of marriages fail because of financial difficulties; I can tell you that blending a family is very hard and blending finances are even harder. Through God’s love, patience, and consistency we are now building wealth and loving our credit scores

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Falling in love with our credit and finances was not an easy task, in fact, it is still a voyage we will always be a part of. However, what makes the journey easier is prioritizing our needs and putting God first by tithing and stewardship. Tithing helps us change our mindset about our finances and gives us a greater understanding of stewardship which are our responsibilities to God's Kingdom. We are a blended family... blending spiritually and financially. I share our story with you because wealth starts with God, your family, and mindset.

To change your mindset, you must also grow spiritually. Growing spiritually will help you make financial sound decisions and prioritize your time. Spiritually growing as a family will break generational curses of bad credit as well as building a spiritual foundation that will help your children in daily activities and conflict. Growing spiritually will also help you handle financial emergencies with less stress and irritation. Knowing God is still with you is peace.

Jehovah-Jireh, our provider, will ALWAYS provide. More importantly, He will give you strategic steps to recover from low credit scores and build wealth.

Love is not complicated, falling in love with your finances and credit can be very complicated. To reduce your stress level and create an S.M.A.R.T Financial Plan. First, define love. Ask yourself:

Why aren’t you in love with your credit scores?

Why are you so frustrated with your finances and budgeting?

These are some very important questions that you will need to answer concerning building wealth; and honestly, there’s no secret formula to building your wealth, it’s just God’s formula. Setting financial goals with your family will make you fall in love with your budget and credit scores because they will give you strength to reduce spending, stay on track, and remind you of your WHY.

Here are three steps you must complete to create a successful budget while increasing your credit scores:

Make an Authentic Assessment

Make an Authentic Assessment:

Honesty is the best policy sometimes it’s one of the hardest things for us to do when it comes to finances and credit. But before you have a discussion with your family or include your spouse take some time out to look at yourself in the mirror and be honest with yourself. Address some of those burning questions and concerns like:

Are you a spender or are you a savor?

Are you selfish with your finances?

Do you include tithing and God in your finances?

Do you need to increase your income?

What are you willing to give up to build wealth?

Be honest with yourself because when you are not honest with yourself you will be setting "fake" goals. Be true, be real, and know that God already knows the truth. So, repent, and ask God for divine direction.

Short-term Goals

Set Short-term Goals:

If you do not set short-term goals, you will not know what criteria or strategic steps that you will need to take to make sound financial decisions. Try to leave your emotions out of the budget and put God first and seek him in each step that you create. Your short-term goals should also include communicating to the important people in your life; Remember your family is stronger when you are working together. You cannot build wealth without a support system and God has placed people in your life to support your vision. Today set aside some time with your family to set short-term goals. Don’t forget to set credit goals as you are creating your financial goals.

Long-term Goals

Set Long-term Goals:

It is important to divide your short-term and long-term financial goals. Your short-term goals will include the steps you are going to take in the next 90 days. Your long-term goals should include things like retirement and/or your 5-year financial plans. For an example: sending your daughter/son to college in 5 years (long-term goal). Paying down revolving debt to increase your credit scores and lowering variable expense to build savings for college (short-term goals). Separating your long-term and short-term goals will allow you to create a successful plan with obtainable due dates. Remember with every goal you must include a date, you must write the vision and make it plain.


Once you have completed setting your goals separate your income and expenses into two columns. Separate your fixed expenses from your variable expenses. Go back, review your goals frequently and decide where you can reduce your expenses. Remember the key to wealth is spending less than your income. If you are currently not spending less than your income ADJUST, remember God can bless you when you are in the position to receive.