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Patrice Washington

"Seek Wisdom, Find Wealth...because becoming Wealthy has 100% nothing to do with Money."

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So, I’ve literally been getting dozens and dozens of emails, Tweets, Facebook messages, comments, phone calls, etc. wanting to know a bit more about my new book Real Money Answers for Women: How to Win the Money Game With or Without a Man (Don’t you just love that?!) which launches in just a few weeks on January 8th!   First of all, I’m overwhelmingly humbled by the response already and all the notes I’m receiving about how many of you would’ve bought it already with all the buzz you’ve been seeing and hearing.  It means so much to me that you care so much and…
I’m not a fan of debt, but if you lost your job, I totally get it.   Or, if something happens with your automobile . . . understandable.   But, accumulating debt because of the holidays? Nope; can’t get with it at all. . . . For one, the holidays are not a surprise. We know that Thanksgiving and Christmas are bound to roll around again when we set out on January 1st.  So it couldn’t be that important if we didn’t take all year to plan for it. . . Could it? The thought of sacrificing payments on normal…
Consumers with excellent credit might have more negotiating leverage than ever before, but that shouldn’t stop the rest of us from being bold enough to ask for lower payments. Knocking down the rate on a $25,000 student loan from 6.8% to 5.8% can save $1518 over the life of the loan. Shaving one-half of a percentage point off the rate on a $100,000, 30-year mortgage, from 8.5% to 8.0% and you save $12,654. Numbers like that make it worth a try; especially if you have a good payment history. To be successful at negotiating lower rates, you have to follow…
If you’re one of those people who seem to be taken by surprise every holiday season, then yes, it’s time to start Christmas shopping!I know, I know. Labor Day is still on the tips of our tongues and you haven’t even thought about the kids Halloween costume yet. It may feel too early, but unless you’re expecting some type of financial windfall between now and December, it’s definitely time to start Christmas planning! With just over 100 days until Christmas, it’s time to start your preparation for the holiday season. The reality is that when you’re not prepared, you make what…
In my book, this is one of the most important questions in personal finance, which is why it’s also one of the most overlooked.  There's a false perception that the concept is so simple everyone already knows it. But, that's actually not true at all.  The reality is that while many can define the words “need” and “want”, it is difficult for most people to assess them during the most important time: when they’re at the mall making impulse buys or even when they set out to create a budget for the first or fifteenth time. What have you heard?…
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