Ok raise your hand if you have heard of Credit Karma or you are currently using credit karma. I know that is a lot of us. It’s quick, it’s free, and it feels super helpful; until you realize that your bank or loan officer is looking at a different number altogether. So is Credit Karma…
Predatory lending is a trap I’ve seen far too many people fall into, especially in Black communities. These loans sound tempting at first, like quick access to cash or promises of guaranteed approval, but they often lead people deeper into debt and financial struggle. Predatory lending is real, and it’s targeting everyday men and women…
If you’ve ever Googled “financial help” and found yourself drowning in terms like coach, advisor, and planner, you’re not alone. It’s a whole world out there and choosing the right support can feel just as overwhelming as your actual money situation. These roles seem similar, but they each offer something unique. Understanding the differences can…
Credit cards can be a super helpful tool when used wisely, but sorting through all the credit card offers out there can get overwhelming, especially if you want to make choices that line up with your values and your walk with Christ. Credit card offers are everywhere promising rewards, cash back, and exclusive perks. But…
Talking about money with your partner can feel awkward, but it’s something every couple needs to face. Sharing a life together often means combining finances, setting budgets, and navigating big decisions like saving for a home or giving generously. Healthy financial conversations are really important for building trust and unity, and they open the door…
Divorce or separation can shake your world. And while you’re navigating emotional healing, legal logistics, and maybe even single parenting it can be easy to overlook how all of it is affecting your credit. But sis, let me lovingly remind you: your financial stability matters now more than ever. At Transforming Finances, we help Christian…
You’ve been working hard, paying your bills on time, keeping your balances low, and watching that credit score rise like a well-tended plant. So why after all that effort did your loan or credit application still get denied? That sting hits differently when you’ve done your part. You might find yourself wondering, What more do…
Let’s talk about something real the comparison trap and your money mindset. It’s that sneaky feeling that creeps in when you see her designer bag, their vacation pics, or someone else’s highlight reel of financial wins. Suddenly your paid-off car or staycation doesn’t feel like enough. Been there? Because same. As Christian women, especially those…
There was a time I believed that if I could just “get my money right,” everything else would fall into place. The dream man would show up. The perfect life would click together. I’d be stacking savings, tithing like clockwork, sipping something cute on a weekend girls’ trip, all with zero stress. But life doesn’t…
Having reached your 40s, it feels like the right time to take a closer look at your finances. I know many of us have been cruising on autopilot for years when it comes to money. But now is a good time to pause, review, and make a few smart moves that could benefit you for…