#WritingWithPurpose: Thrive!...Affordably by Jennifer Streaks

Thrive!...Affordably by Jennifer Streaks

Life is meant to be enjoyed, but let’s be honest: It’s almost impossible to live a life of abundance when you are drowning in a sea of debt and suffering under the strain of financial struggle. So many people are not free to enjoy life simply because they don’t have control over their finances. As a result, they go through life surviving and not truly living.

Thrive!...Affordably, takes the headache and the guesswork out of financial management. It is a monthly “how-to” designed to help the reader meet financial goals one step at a time. The book offers tips, advice, and basic financial management lessons geared towards helping the reader highlight strengths, identify missteps, and take control over finances. If you are looking for a way to permanently free yourself from debt, this book is for you. Jennifer Streaks takes the mystery out of management, making financial freedom attainable for anyone willing to do the work.

You deserve to live your best life. Don’t just survive...Thrive!


Purchase Thrive! ... Affordably: Your month-to-month guide to living your
BEST life without breaking the bank by Jennifer Streaks
Link: http://amzn.com/0692625941  



About the Author
Jennifer Streaks, an Affordable Lifestyle Expert, started her career working in financial compliance for major banking institutions. In 2005, when the economy started a downward spiral and the housing bubble burst, Jennifer, armed with an MBA, found herself at the center of the storm helping individuals save their homes and pay off their credit card debt.

Jennifer has been on every major TV and radio network (MSNBC, FOX, Fox Business, AlJazeera, CCTV, MarketWatch) and has been published in several national magazines providing practical financial advice that everyone and anyone can immediately put to use to see a change in their financial picture. She has also been called on to report on major financial changes and disruptions such as the foreclosure mess, changes in credit card rules, the increase in prepaid debit card usage and the continued shortage of jobs and the impact on the economy.

Consistently, described as “highly intelligent, witty & easy to work with, Jennifer has earned a law degree from Howard University School of Law and an MBA from The Johns Hopkins University Carey School of Business.

Follow Jennifer Streaks, MBA, Financial & Affordable Lifestyle Expert
http://www.JenniferStreaks.com 

 

Intimate Conversation with Harrine Freeman

Intimate Conversation with Harrine Freeman

Harrine Freeman is an authority on personal finance with over 10 years of experience under her belt. Freeman is a financial counselor, CEO of H.E. Freeman Enterprises and Author of "How to Get out of Debt: Get An “A” Credit Rating for Free," a self-help book on credit repair that provides consumers with a step by step plan on how to get out of debt, increase their credit rating and plan for the future.

She has impacted the lives of thousands of people in the United States through public speaking engagements and financial counseling. She is called upon by business owners, CEO’s, celebrities, students, teachers, sororities, fraternities, displaced workers, veterans and families. She helps client's prepare for financial freedom, by providing useful advice, resources and the tricks of the trade to ease concerns and really steer clients in the right financial direction.

She is a member of Credit Professionals International, American Association of Daily Money Managers, American Association of Individual Investors and National Speakers Association. She has been featured in: Featured in Market Watch, Wall Street Journal, Forbes,The Washington Post, NASDAQ, Huffington Post, MSN Money, Black Enterprise, Essence Magazine, Ebony, Woman’s Day magazines.


BPM: Tell us about the book, How to Get Out of Debt: Get an “A” Credit Rating for Free Using the System I’ve Used Successfully With Thousands of Clients Revised.
How to Get Out of Debt: Get an “A” Credit Rating for Free is my second non-fiction self-help financial book. It provides practical information to help readers assess and resolve their financial situation, no matter what their financial issue – debt, credit, budgeting, saving or planning for the future. The book provides information on critical financial issues affecting many Americans which will help to ensure Americans remain on the right path to financial success now and in the future.

BPM: What can readers expect to get out of the book? 
The book covers various financial topics such as: How to Repair Your Credit on Your Own, How to Pay Down Debt, How to Create and Maintain a Budget, How to Save and Invest, How to Buy a Home, How to Pay Off Student Loans, and Identity Theft. It provides easy to follows tips, sample letters, spreadsheets and tons of resource information listed by state as well as definitions and other tidbits of lesser known financial information.

The primary message in the book is that no matter what financial setback you have experienced you can overcome it. It may seem that there is no light at the end of the tunnel but there is because I have personally experienced it and overcame many financial struggles. I was unemployed three times and was considering filing bankruptcy and overcome it and you can too!

BPM: What's your favorite chapter in the book?
My favorite chapter in the book is on Credit. I love helping people with credit because when you have good credit you have so many options available to you. “Remember that credit is money, just not yours. – Harrine Freeman


BPM: Where can readers get a copy of previous book, How to Get Out of Debt: Get an “A” Credit Rating for Free?
Readers can order now on Kindle, Nook, iTunes, Sony eReader and www.ebookit.com. To learn more about the book, you can also visit the website, www.hefreemanenterprises.com.


BPM: How did you get to be where you are in your life today?
My journey began in college. By the time I graduated I had 13 credit cards. When I started working my first job I was earning $21,000 and owed $19,000 in debt. I lost my job and was unable to make the monthly payments. I was able to regain employment and got a part-time job. I put myself on a strict budget – I didn’t go out to eat, buy any new clothes, go to the hairdresser or hang out with my friends. I took public transportation and took my lunch to work every day. It took 4 years but I was able to pay everything off and restore my good credit rating. I then began helping family and friends. Next I got financial training and became a financial counselor. Then I wrote my book to prevent others from making the same mistakes I did. I now provide financial literacy education to youth and adults and provide one-on-one financial counseling.

BPM: Could you tell us something about your most recent work?
Yes. I am currently working on my second self-help financial book entitled, “How to Get Out of Debt: Get an “A” Credit Rating for Free Revised” available in April 2015. The book covers various financial topics such as: credit, debt, budgeting, How to Invest, How to Buy a Home, How to Pay Off Student Loans, How to Establish Business Credit and How to Survive a Financial Crisis.


BPM: Why should readers buy your book?
People should read my book because it is an easy read; there are no complex financial terms that you have to get a dictionary to understand. There are tons of easy to follow tips on how to overcome different financial challenges as well as information on how to create a budget, pay down debt and negotiate with creditors. The message I want to share with readers is don’t give up. No matter how bad it may seem right now you can overcome your financial situation.

BPM: What do you think makes your book different from others on the same subject?
In many cases other authors do not have personal experience with credit or debt or write books using complex financial terms. What makes my book different is: simplicity, ease of reading, unknown or hidden information consumers are not aware of, and my personal experiences with credit and debt. The message I want to share with readers is that there is no gimmick to my book. I state the facts and provide information to help readers who are facing various financial challenges.

BPM: What projects are you working on at the present? 
I am working on ideas for a third self-help financial book and writing my autobiography which are both untitled.


BPM: How can readers discover more about you and your published works?  
My books can be found online at:
http://bit.ly/GzvFRk      (Nook)
http://bit.ly/1ftdKd1      (iTunes)
http://amzn.to/TKNlPl   (Kindle)
http://bit.ly/ZGJy9w      (Kobo)

I would love for your readers to network with me on the social media sites listed below:
Twitter: https://twitter/harrine
Website: http://www.hefreemanenterprises.com
Blog: http://hefreemanenterprises.blogspot.com
YouTube: http://www.youtube.com/user/HarrineFreeman/feed
Facebook: https://www.facebook.com/pages/HE-Freeman-Enterprises/79463044117

 

 

 

How to Get Out of Debt Get an “A” Credit Rating for Free by Harrine Freeman

How to Get Out of Debt
Get an “A” Credit Rating for Free
by Harrine Freeman

 

 
Do you want to stop living paycheck to paycheck, stop harassing creditor calls, get out of debt or increase your credit score? Do you have a financial advisor or financial coach? Well now, you can be your own financial advisor. The fastest way to your financial success is getting advice from someone who has experienced the same financial issues you are going through – losing a job, considering filing for bankruptcy, working two jobs, bad credit, debt, repossession, and more.

I was once $19,000 in debt only making $21,000 a year and was successfully able to get myself out of debt without filing for bankruptcy. Each day you procrastinate is one more day you go deeper into debt and one more day closer to legal action being taken against you.

My book, How to Get Out of Debt: Get an “A” Credit Rating for Free will give you new insight, a plan for managing your finances and provide clarity on how to improve your financial situation. Credit affects several aspects of your life and is used for employment so it is critical that you maintain good credit. Credit should be used as a secondary not a primary form of payment.

You will learn how to repair your credit for free and get out of debt without filing for bankruptcy or going to a credit counseling agency. The book includes: strategies to increase your credit score, methods to get out of debt, practical ways to manage your money, sample letters to fix errors on your credit report, sample letters to negotiate with creditors, financial worksheets, financial tools and much more!


Book Reviews for How to Get Out of Debt

"Like many Americans, Harrine Freeman, has been through credit difficulties. But not only has she turned her situation around, she has gone on to help others do the same with her straightforward guide to better credit, How to Get Out of Debt: Get an "A" Credit Rating For Free. Her book is here at a time when so many people need this kind of help."
--Gerri Detweiler, consumer advocate and author of The Ultimate Credit Handbook


"How to Get Out of Debt: Get an "A" Credit Rating For Free by Harrine Freeman is full of practical advice on where to file complaints, sample letters, spending plan spreadsheets, statute of limitations time periods, and much more. For the past five years, Ms. Freeman has been the CEO of a credit repair and money management company, so she knows what she is talking about".
-- Alan Caruba, Editor, Bookviews.com

“This is a must read…that will empower readers to reevaluate their spending habits and become focused on securing their financial future”.
-- Books2Mention Magazine


"When I first opened it, I sighed, wondering how it could be any different from the advertisements that come on after hours, promising all the information in the world for just $19.95, and offering you no more than what you already knew and never implemented. As you can tell from the review, I have struggled from undergraduate debt; I know this merry go round well. Three hours later, I had devoured Ms. Freeman's guide, tucking it on my shelf of "very necessary day-to-day living" reading. No doubt, folks, this one is a keeper".
-- Read Zone Book Reviewers


I have read several books on this subject, and this is the first one that actually offers a reasonable and achievable solution. Harrine Freeman talks about the ‘grand scheme’ but actually uses small and attainable goals. Essentially you can ‘Nickel and dime’ your way out of debt.
-- Simon Barrett, Author Blogger News Network

Chapter Excerpt: How to Get Out of Debt: Get an “A” Credit Rating for Free Revised

The country experienced another financial crisis in October 2013 - the government shutdown which lasted for 2 ½ weeks causing approximately 800,000 employees to be furloughed. The shutdown also affected small business owners, contractors, consultants, social service companies or nonprofits that receive federal funding, social service programs, and state governments.

We can no longer depend on the government for assistance. As individuals we must take accountability for our actions. We spend the most money per person/family than all the others countries in the world. We have become so obsessed with things and using credit that we have become addicted to shopping. No one would ever admit to it but we have.

What happened to the days when you only purchased items that you could afford? These are the things our parents and grand-parents are familiar with. If you wanted to buy a home you had to save your money for a down payment and have a really good credit score otherwise you would be quickly escorted out the doors of the bank for wasting their time.

Money can make people do crazy things. A major factor of the mortgage industry failure was due to greed. I would like to ask Wall Street and the mortgage and banking industry professionals, was it worth it, was the greed and fraud used to make millions of dollars’ worth it. No, it was not. The saying “an honest day’s work for an honest pay” no longer applies to America. Other countries now look down on us and laugh. Our country is the butt of many jokes.

It is disappointing that a catastrophic event like the recession and government shutdown had to occur to bring the country back to reality. Unfortunately, some Americans are still in denial about their financial situation and are holding on for dear life to their “things”. If you own a home, car, boat or investment property and can’t bear the thought of losing it because you can’t afford to make the payments. Stop, take a deep breath and just let it go – let go and rid yourself of the stress, headache, heartache, worry and anxiety of trying to figure out how to make the payments or catch up on payments you have missed. Losing “things” should not make you feel sad, depressed or angry. Losing “things” should teach you a valuable lesson – things have no value, but your life does so live your life to the fullest.

Do things that have value such as community service, spending time with you family, getting an education, learning a new skill or hobby, starting a business that provides a desperately needed service, and focusing on what’s really important - knowing yourself and loving yourself. No matter what method you choose to change your lifestyle and spending habits you must make a permanent lifestyle change.

( Continued... )

© 2015 All rights reserved. Book excerpt reprinted by permission of the author, Harrine Freeman. Do not reproduce, copy or use without the author's written permission. This excerpt is used for promotional purposes only.


Purchase How to Get Out of Debt: Get an a Credit Rating for Free Using the System I've Used Successfully With Thousands of Clients: 

http://www.amazon.com/How-Get-Out-Debt-Credit-ebook/dp/B004KKXR5Q/ref=asap_bc?ie=UTF8

 

Meet the Author
Harrine Freeman is an authority on personal finance. She is a financial counselor, CEO of H.E. Freeman Enterprises and Author of "How to Get out of Debt: Get An “A” Credit Rating for Free," a self-help book that provides a step-by-step plan on how to get out of debt, increase credit scores and plan for the future.

She has impacted the lives of thousands through speaking engagements and counseling. She helps client's prepare for financial freedom, by providing useful advice to steer clients in the right direction. 

She is a member of Credit Professionals International, American Association of Daily Money Managers, American Association of Individual Investors and National Speakers Association.

Harrine has been featured in: Featured in Market Watch, Wall Street Journal, Forbes,The Washington Post, NASDAQ, Huffington Post, MSN Money, Black Enterprise, Essence Magazine, Ebony, Woman’s Day magazines.

 

Featured Article: Rid Yourself of Procrastinating Ways by Daryl D. Green

Rid Yourself of Procrastinating Ways 
by Daryl D. Green

Can you afford the same procrastinating ways in 2014? Why aren’t you pursuing your dreams? At some point, we have all procrastinated, not wanting to move on an action. You say, “Now is not the right time.” Yet, you take no action. People have different motivations for taking action. Taking action means taking risk. Taking risk may cause you fear. This process creates self-doubt. Self-limiting beliefs are doubts that you create about your abilities. They cause you to feel inferior. You feel like you don’t deserve the best. You allow others to set your expectations. When you think like this, there is no way to win. You create negative ideas that you aren’t smart enough, pretty enough, talented enough, connected enough, creative enough, or powerful enough. “I can’t” becomes your motto. This article discusses how to overcome procrastination.


The Impending Landslide 
With the current economic situation, people can afford to procrastinate on critical actions. Employment and sheer survival may be at stake. In August of 2011, America posted no job gains. This economic slump is historical since it’s the first time since World War II that the economy has shown precisely zero net job creation for a month. Retail, manufacturing, information services, and construction all lost jobs. With over 15 million people unemployed in America, individuals must be internally motivated.

Most people want to accomplish something in life. A new year could spark a new beginning; however, it gives most people time to make excuses for unfulfilled dreams. The more you repeat these self-limiting thoughts, the more you become trapped in your ways. Remember the definition of insanity: “doing the same thing that you always do and expecting something different to happen.” That’s a crazy way for anyone to live. Some people get caught up in this vicious circle. For example, look at the vicious cycle of New Year’s resolutions. Are you one of these procrastinators?

READ MORE HERE

Featured Article: Overcoming Personal Stress with Pending Uncertainty

Overcoming Personal Stress with Pending Uncertainty

Do you know what the future holds in 2014 for you? Are you now dreading the new year with more demands on the job, an unconcerned boss about your personal welfare, and new threats of pending layoffs? All of these things create stress and anxiety for working professionals as the new year begins. Many smart buyers do not want to overspend in this economic crisis, creating a situation where the economy recovers even slower. Leadership strategists offer advice to working professionals to reduce stress related to all the uncertainties in 2014.

Sadly, our standard of living is eroding. Families cannot make ends meet despite working multiple jobs. Companies are demanding more. It is no surprise that folks are stressed out. According to the third annual Work Stress Survey, conducted by Harris Interactive on behalf of Everest College, more than eight in 10 employed Americans are stressed out by at least one thing about their jobs. Additionally, the study showed poor pay and increased workloads were top sources of concern for many employees (1,019 surveyed by phone). The results produced a significant increase (73% to 83%) from last year's survey, which found that more employees were stressed at work.

Another holiday season has come and gone. After the presents have been given out and the year comes to a close, many people will reminisce about the past year. Sadly, some people's lives will be filled with many defeats, broken relationships, and unfulfilled dreams. These many setbacks may be relatively minor in nature.

Depression can happen to anyone. Christian Maslach and Michael Leiter, authors of The Truth about Burn-out, explain how stress can burn out people and impact their mental state. In fact, many professionals are succeeding in the corporate environment while failing miserably at their own personal relationships. If you are human, you will experience some disappointments. It does not take a genius to understand how someone can get depressed. Some call it a "Pity Party."

READ MORE HERE

 

Wealth-Building Lessons from Black Business Barons

Topic: Wealth-Building Lessons from Black Business Barons

Listen to the audio presentation to follow along with the Wealth Building Lessons

Part 1 the Introduction with Business Owner Antonio Crawford
Listen to 2 great authors and financial leaders share with us the following topics: Black History - Wealth-Building Lessons from Black Business Barons and How to Market Your Book, Brand and Business in the Marketplace. Get your pens and paper! This is an awesome show.







Part 2 The Foundation
Authors and experts Lynn Richardson, Antonio Crawford and William R. Patterson encourage and educate the listeners to change their spending patterns. Dark Chocolate Man makes his debut on BAN Radio! He shares his success in marketing on Myspace. The expert speakers all give the fans awesome marketing and promotions advice and tips. This is must listen show! Tell all your friends.







Best-selling author William R. Patterson shares wealth-building lessons from the most successful Black entrepreneurs throughout history from the first female millionaire, Madam C.J. Walker, to the first African-American female billionaire, Oprah Winfrey.

He discusses the strategies that built the early multi-million-dollar empire of A.G. Gaston and the billion-dollar empires of Reginald Lewis with TLC Beatrice International, John H. Johnson with Johnson Publishing, and Bob Johnson with BET. Listeners will learn from their successes, so that they may mark their own place in history.

Black History - Wealth-Building Lessons from Black Business Barons
1) What does black history mean to you from a business and financial perspective?

2) Can you talk about the history and growth of Black Business in the US ?

3) Can you point to some success stories?

4) Do you feel African-Americans are giving enough attention to personal finance and entrepreneurship?

5) We know there are large number African Americans struggling in poverty, do you see anyway to address this critical issue?

6) Why historically have so many African-Americans seen challenges when comes to our finances and long-term planning?

7) What are some of the opportunities that you see moving forward both from a financial perspective and entrepreneurship perspective for African-Americans?

8) What should we know and appreciate about black entrepreneurs? And what have you found to be some of the cornerstones of their success?

9) What is so unique about THE BARON SOLUTION and its approach to financial and business development that has drawn such international attention and the support the business leaders such Bob Johnson, Founder of BET and John L. Jacobs, Chief Marketing Officer of The Nasdaq Stock Market and many others?

10) What should we be telling our kids about business and personal finance during Black History month?

11) How can our listeners find out more about you and THE BARON SOLUTION Business and Wealth Coaching Programs?


Biography:
WILLIAM R. PATTERSON is an internationally recognized business and wealth coach who has written over 250 articles and has been a featured guest on over 400 television and radio programs. He is a business and financial expert for CBS and XM Satellite Radio. He delivers solutions to thousands worldwide — from individual investors and small business owners to corporate boards and CEOs.

William’s ethical guidebook to wealth, power, and success, The Baron Son, has been translated around the world and featured in the Forbes Book Club and Black Enterprise magazine. William runs over 30 websites and has created more than 150 products. He is winner of over ten Web awards for excellence including Best Author, Best Speaker, Best Business Advice Site and Best Wealth-Building Site.

With every good wish,

William R. PattersonAward-Winning Speaker

Business and Wealth Coach

National Best-selling Co-author of The Baron Son

Direct: (202) 270-9448

Toll-Free: (888) 90-BARON

Website: http://www.baronseries.com

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