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  Sonja Jacob   10 BOOKS WORTH READING IN 2022 In this post, I’m going to go over the best books to read in 2022. Maybe some of these books you have heard of, and read, or perhaps others will be new to you. The way to select the best books for you should be in how they will be useful for you. In my opinion, a book worth reading should teach you things, be entertaining, and give us a new and fresh perspective on the way we see the world we live in. Be mindful that this is not a popular list of books. It’s a basic list of good books that I think we all can find as useful and entertaining. So, here are the best books of 2022. The Power of Broke by Daymond John If you are thinking about starting a business, but don’t have the funds, this book is for you.   A lack of funds does not have to stop you from starting your business.   It shows you how to leverage having no money, turn it into an opportunity in business by compensating it with your creativity...
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LIVING A DEBT-FREE LIFE ISN’T FINANCIAL FREEDOM  By Sariah Savvy Tips DEBT IS THE BOOGEY MAN Most of us have heard that debt is bad, and we should eliminate or avoid it entirely.   Excessive amounts of debt can be a problem for your wallet and relationships.   Many marriages end because of money issues.   I refuse to date anyone who doesn’t share my philosophy about money and won’t have a conversation about it from my perspective.   Having high debt can drive a low credit score even if you pay your bills on time.   Credit card limits are not meant to be maxed out.   If you max out your credit cards that signals your creditor that you may be in or headed towards financial distress.   I know it doesn’t make sense for creditors to give you a set credit limit, but punish you when you get close or to the limit. Debt also causes stress in our lives.   Debt is evil and should be avoided at all cost. IT’S NOT FINANCIAL FREEDOM IF YOU ARE BROK...
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Here’s what your credit cards reveal about your socio-economic status By Sariah Savvy Tips   Look beyond the surface Many people automatically assume if someone has a lot of credit cards or high-end luxury cards, they make a six-figure salary or they must be a millionaire.   When we watch television, having a high salary or high net worth is often associated with dining at fine restaurants, spending the night at five-star hotels, and going on shopping sprees at luxury department stores.   After all, only high-income earners or wealthy people can afford these things.   Well, that is merely an assumption based on how we see it portrayed through the media, or perhaps we have been told this is how it is. However, once you look beyond the surface things can become vastly different.   The interior carries a far greater weight than the exterior in many situations and this is one of them. If someone carries a credit card from a low to mid-tier retailer, it is ...
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Finding Those Credit Wins

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  Finding Those Credit Wins By Sariah Savvy Tips Get on Top of the Credit Game So, you got turned down for that retail store credit card at the mall when there were 10 people standing in line behind you, and now you are wondering how to get your credit back on track.   You have received collection calls, and letters in the mail recently that you have ignored and unaware of the implication it is having on your credit score.   You accept your circumstance and walk around as if it is normal & there is nothing you can do about it.   In order to start getting approved for credit again, you must get on top of the credit game.   Reinvent your Credit Self You are wise, ambitious and talented, and once had dreams of being in control of your finances so that you could get the things you want and deserve in life.   Never in a million years would you have imagined that you too would travel down this vicious cycle of bad credit like previous generations,...
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