Author - LaShanda

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Raise Your Credit Score 100 Points in One Year
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The Procrastination Stops Right Here, Right Now: Activate Your Vision
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It Takes Confidence to Break That Glass Ceiling in Business for Women
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(live sat) Fierce, Focused, Fired Up! Webinar Conference
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Goals to Money – Part 2
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(5 days until) Fierce, Focused, FiredUp Webinar Conference
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5 Steps to Get What You Want Every Year (audio)
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(starts today) LIVE RICHER Challenge
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SistaSense Magazine 2015: Blog Tips and Branding Talk
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Unblock Your Blessings #5: The Rock Over the Pillow

Raise Your Credit Score 100 Points in One Year

I know you’re probably thinking, “Is it really possible to raise my credit score 100 points in only one year?” The answer is… YES! Results are not guaranteed, but I’ve done it and so have a bunch of my clients, students, fans, followers and friends based upon the steps I’m about to show you from my 30 day B Money Financial Challenge.

First let’s talk about credit cards with high interest rates. Because I suggest that you pay off your debt with the lowest balances first, you may worry about neglecting your credit cards with high interest rates. There are a couple ways to get your interest rates down.

Option #1: Call your credit card company(s) and negotiate for lower rates.

Option #2: Transfer the balance of your higher interest rate credit card(s) onto a lower interest rate card. Wondering how to do a balance transfer? Here’s how: Go to bankrate.com and search for a balance transfer card. Look for cards that offer a 0% interest rate for at least 6 months and the lowest transfer fee available. Take note, when doing a balance transfer, credit card companies will often charge you a fee – about 3% of the total balance. Also note that sometimes credit card companies run a special where you can transfer your balance without a fee. That’s the type of deal you’re looking for on bankrate.com.

ONCE YOU FIND A CARD YOU’RE INTERESTED IN, CALL THE COMPANY AND ASK:

  • How long is the 0% introductory rate?
  • What will my rate be after the introductory rate expires?
  • How much is the transfer fee?
  • What happens if you’re late with a payment?
  • Is there any fine print you should know about?

NOW HERE’S THE STEP BY STEP GUIDE TO YOUR DEBT REPAYMENT PLAN:

  1. Pay down debt (30% of your score)
  2. Pay your bills on time (35% of your score)
  3. Auto-pay off a small debt to bring its balance to $0 every month; this is where the magic happens. This one step will make your credit score jump like Jordan.
  4. Become an authorized user on a credit card account in good standing

The Good News: When you’re added as an authorized user, the account will appear on your credit reports, too. If the account remains positive with a low balance, it can help you establish and improve your credit history.

The Great News: An authorized user has permission to use the credit card, but is not responsible for any of the debt.

The AWESOME News: If the account is reported and there are delinquencies appearing on the account, it is likely that the delinquencies are affecting your scores. However, because you are not responsible for the debt, credit scoring companies will remove authorized user accounts that become delinquent.

The account may be removed automatically, but if you find it is still being reported, follow the dispute instructions provided with your credit reports and request that it be deleted. Basically, authorized users get all of the benefits and none of the risks.

Bonus Tip: If you consistently keep your credit card balances below 30% of your credit limits, this will help to tremendously raise your score too. This means if your limit is $1000, keep your balance below $300. Also, don’t forget to get your Trans Union score for FREE via Credit Karma, and use their FREE service to help you monitor your progress. They offer tips on how to improve your score as well. And did I mention it is all free!

If you need more help, I recommend reading the book “What the FICO: 12 Steps to Repairing Your Credit” by Ash. This book was by far the best & simplest book I’ve ever read about credit. I actually learned some things that I didn’t know! I was blown away at some of the steps and tips shared. If you’re having problems with your credit don’t walk to get the book, run. You’ll see.

 

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Power Circle Expert Tiffany “The Budgetnista” Aliche shares in an exclusive SistaSense Interview on what it means to Live Richer and boost your financial fitness for the new year inside the SistaSense Power Circle – Fierce, Focused, Fired Up Live Webinar Conference – join us live or access replays.

Tiffany  is an award-winning teacher of financial empowerment. Visit her at thebudgetnistablog.com to join the movement and get free financial help now.

Plus sign up for the LIVE RICHER Challenge at www.livericherchallenge.com. It’s a free online financial challenge created by the Budgetnista to help 10,000 women achieve 7-specific financial goals in 36 days.

The Procrastination Stops Right Here, Right Now: Activate Your Vision

Lucinda Cross Shares How to Activate Your Vision: “I am starting a Procrastination Rally. No More Procrastination. The roof, the roof is on fire, we don’t need no water let the procrastinator excuses burn, burn down long to do list, burn information hoarders, burn time wasters, burn baby burn.

Research shows that most of us spend up to 80% of our time on activities that have nothing to do with the success of our projects. We load ourselves down with endless tasks that keep us feeling busy, yet at the end of the day we wonder why we have accomplished so little and close to nothing.

Why do we miss deadlines, put off doing things we dislike, and accept stress and procrastination as a necessary part of life? What experiences have shaped the way you think about time? Do you need to rethink your views? If you were asked to speak to a group of students about the best way to use time, what would you say to them?

Please recognize that procrastination is keeping you from achieving all that you can in life.

Set deadlines for yourself, even when you don’t have to. You will never get it perfect enough, there will never be the perfect time, just do it and get it done to the best of your ability. You must learn when to say enough. Make the best decision and make a move. The important thing is to act. We live in an increasingly complex world; our information-gathering techniques can’t keep up with all the changing circumstances that affect our lives.

FORCE YOURSELF TO ACT.

Always ask yourself if a task needs to be done at all. Don’t get caught in the long drawn out to do list and nothing ever matters or means anything towards you getting your project done. Ask yourself: What do all my tasks prove? Focus on getting things done, rather than on filling your day with more activities than you can possibly get around to. If you want to overcome procrastination, stop gathering information and get started on your project.

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Power Circle Expert Lucinda Cross is our Keynote for the SistaSense Power Circle – Fierce, Focused, Fired Up Live Webinar Conference – join us live or access replays.

Lucinda Cross is a bestselling author, speaker and founder of the Activate Movement. Known as the Go to Girl for Taking Massive Action, Lucinda’s work is ultimately about helping women live a life of fire, fun and freedom. Join the movement at www.lucindacross.com.

It Takes Confidence to Break That Glass Ceiling in Business for Women

I think we can all agree that everyone has heard of the “Glass Ceiling” for women in corporate America. Although, it seems taboo to discuss it now after the recent anniversary of the Equal Pay Act, let’s face it, there is still a gender gap; especially in business.

A few years ago, I was called to be considered for a keynote speaking opportunity at a financial summit in Texas. I was overjoyed as they wanted me to develop a presentation for over 400 women who were business owners, industry suppliers and entrepreneurs seeking ways to save more and increase their revenue. I thought to myself, “Great! This is my specialty.” They asked me to do a live demonstration about 6 months before the presentation and I literally was jumping to the ceiling. I arrived at the venue and start to pitch my research to a group of men who were the decision makers for this women’s based event.

I started the presentation and within five minutes, they interrupted me and said, “do you realize you are speaking to women in business?” I responded, “yes” with a smile. That is when I learned the ultimate lesson. They said “your presentation is way too masculine for our audience. Women need to know things such as cutting coupons and opening up a checking account, not investments and wealth management.” They asked me to water down the presentation and resubmit. I kindly declined the opportunity.

The thought that women in business were only capable of learning how to cut coupons and open up free checking accounts just did not seem right to me. In fact, I started to second guess my decision and went to confirm this with another business advisor, and he said “when it comes to women in business and finance, they are almost 30 years behind their male competition if they do not have successful male mentorship.” My jaw dropped in shock, but it made sense.

As a business consultant, I work with women who remain in doubt when it comes to their success. Women are starting businesses at a rapid rate, but lack the confidence to ask for money and mentorship. For many women, comfort plays a key role in the way they approach mentorship. Within my own business consultancy, I connect with women who are terrified of taking risks in order to achieve large returns. The major resistance I encounter with my clients is the ability to form profitable partnerships based on performance and not relationships.

So what is the Confidence Factor? Well, women are now leaving the workplace and stepping into the small business market to build a name for themselves. According to a recent study I read on the BB&T Wealth Management blog, women have more interruptions in life than men; pregnancy, parental caregiver and underemployment. I am not speculating, but this may be a contributing factor why women have a longer journey in business. I believe women can truly build empires but it starts with one confident decision at a time. We need to stop second guessing and depending on validation from others in order to get into rooms with key decision makers that can impact the growth of our businesses. As long as women continue to be the victim of “coupon cutting” to save for business, it will be difficult to change the glass ceiling history that seems to plague us when we are approaching profitable partnerships. It is time for women to embrace change with confidence. There are doors that open when you are confident, while others close due to fear.

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Learn more about The Confidence Factor: Gaining the confidence to ask for more, demand more and charge more. Live Session presented by Speaker Carol Sankar inside the SistaSense Power Circle – Fierce, Focused, Fired Up Live Webinar Conference.

Power Circle Expert Carol Sankar – the Millionaire Mindset Entrepreneurship Coach, is an internationally recognized business coach & consultant, trainer, author and speaker. www.carolsankar.com

(live sat) Fierce, Focused, Fired Up! Webinar Conference

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Activate 2015 with us this weekend inside the SistaSense Power Circle for our Fierce, Focused, and Fired Up Webinar Conference.

Get your pass to the live sessions OR the replays (in case you can’t make it). We have so many wonderful ladies speaking:

Keynote Lucinda Cross, Keisha Lewis, Carol Sankar and more plus exclusive interviews with TV personality Rene Syler and Tiffany aka the Budgetnista!

Click here to browse our Saturday Sessions agenda, full details at http://powercircleconference.com.

Jumpstart Your Business: 5 Steps to Get What You Want Every Year

Reserve your seat and use the code FIRE15.

Goals to Money – Part 2

Are you ready to get all your great ideas out of your head and into your bank account? For this week’s Wednesday Webinar, Power Circle expert Richelle Shaw shares part two of her famous Goals to Money presentation.

In case you are new to Richelle, Ms. Shaw has built several multi-million dollar businesses and helps other women of color do the same.

 

Watch Webinar Below:

Can’t access the audio replay below? Click here to log in or click here to join the SistaSense Power Circle to access weekly webinars, Jumpstart Your Business trainings, tutorials and more.

This webinar is a part of the Power Circle series. Watch Goals to Money – Part 1. Watch this complete Power Circle Conference for web Entrepreneurs.

Be sure to try some of the strategies and leave a comment if you’d like to ask a question, share your light bulb moments or let us know what strategies are currently working for you.

(5 days until) Fierce, Focused, FiredUp Webinar Conference

Women Entrepreneurs: It’s time to get Fierce, Focused and Fired Up! The 3rd Annual SistaSense Power Circle Event is here to help you Jump Start your business right! For 2015 we will kick things off with a Live Full Day Webinar Conference on 01/10/2015 with some of today’s most successful women in business.

Inside the Power Circle you will have access to live sessions, exclusive interviews and bonus trainings. Our Saturday Conference Agenda:

11:00AM LaShanda Henry, Host
Get Paid to Teach: Creating Membership Websites, eCourses, and Consulting Offers

12:00PM Lucinda Cross (Key Note Speaker)
Activate Your Vision: Create and actualize a vision for your success

01:00PM Lori Williamson and Cher Jones
How to use Google Hangouts On Air to Create Awesome Content

02:00PM Rosetta Thurman
Money Talk: How to Make (At Least) $1,000 a Month in Your Business

03:00PM Gwen Elliot
5 Ways to Beat Binge Thinking and Start Taking Action on Your Dreams

04:00PM Carol Sankar
The Confidence Factor: How to Ask for more, Demand more and Charge more

05:00PM Keisha Lewis
Discover the most powerful social media tools for your business

06:00PM LaShanda Henry
Closing + What’s Next Inside the Power Circle

For full details visit powercircleconference.com and use code FIRE15 to get a discount on registration.

5 Steps to Get What You Want Every Year (audio)

In between the ups and downs, each year is full of hidden opportunities to get what you want. You just have to know where to look. Take my life for example. This past year I expanded my local network, met the fabulous Issa Rae, closed more deals, diversified my client base and managed to create some pretty sweet memories with close family and friends. It’s actually quite difficult for most people to get what they want out of life, which is why I felt compelled to share the specific steps that I take each year to see progress and make things happen.

Listen to this Jumpstart Your Business Audio Replay Below:
SistaSense Circle Audio Session

The first step is always turning your ‘larger than life vision’ into ‘bite-size wants’; smaller goals that will get you progressively closer to actualizing bigger ones. You can’t magic bullet yourself into your dream house or on the couch with Oprah, but you can start to lay the ground work today. I find the people who see the least progress in their lives always want to get to the end now, but you’ve got to accept and enjoy the process as you work through it today. If I told myself not to host any events until I could do it big like the Essence Festival, I doubt I would have gotten this far. Instead of taking an all or nothing approach, I chose to host a series of virtual events and small conferences on an annual basis. Whether its 10 ladies in a mastermind group or 100 women on a webinar conference, every event that I host each year allows me to accomplish my ‘bite-sized’ wants while working towards the bigger vision.

The second step works with the first one: get those wants out of your head. You’ve got to think it, write it, speak it and then live it (in that order). Once I define my wants, I fill my notebooks with plans and projects. This is often followed by talks with my business advisor – my hubby and even Google to work through strategies that I can actually implement. Dreams don’t become real if you keep them in your head or even in your notebook, you’ve got to create a plan of action for everything you want to activate in your life.

Step two leads perfectly into step three, start with hope and build with help. You have to genuinely believe that you can get the things that you want and work towards them. Take all talks of ‘good luck vs bad luck’ out of the equation. Don’t get stuck believing better is not in the cards for you. Don’t grow old wishing for things to one day change or waiting for someone to magically turn your life around. God helps those who help themselves. Know that He will bring the right people and resources into your life at the right times as long as you make yourself ready to receive. In other words, while you seek out angel investors and media opportunities, keep your eyes open for the people who will bless you with priceless words of wisdom, kind gestures of support and little gifts that keep you keeping on. Seek out helping hands rather than handouts and above all help yourself by taking yourself seriously. When I couldn’t afford to spend money, I spent a great deal of time online finding the right tools to help me create my best products and services to date.

Step four is all about the setup; you’ve got to set up a calendar of plans and check points you can stick to. Turn the things you ‘want to do’ into the things you are ‘going to do’. This past year I told myself that I was going to meet Issa Rae, get more local business, host weekly group calls and reconnect with loved ones. With those thoughts in mind I focused on goal oriented activities. I attended the Digital Undivided conference in NY with the intent of meeting Issa Rae and I met her! I participated in local networking activities that resulted in new clients and speaking opportunities. I committed myself to hosting weekly Jumpstart Your Business calls and even though I missed a few, I stuck with it and expanded my brand in the process. Best of all I “made the time” to schedule in staycations and family road trips that renewed and strengthened personal connections. Truth be told, there are a few things that I never got to finish or even start, but that’s okay. The key is to create a calendar of events and ongoing activities that you can use as a guide; this will help you reach pivotal progress points along the way.

Step five is crucial, don’t drop the ball. This past year I began expanding my client base via elance.com; a marketplace full of freelance opportunities for service professionals. My time on eLance was short lived, but I didn’t drop the ball. I tried different packages and payment plans that ended up working really well for me. When things don’t quite work out as planned, don’t drop the ball or throw the baby out with the bath water. In other words, avoid seeing one option as your only option. You are more likely to get what you want when you try different solutions to get your desired results. I always encourage clients to work on tweaking their projects over time versus entering a viscous cycle of constantly starting over. Be flexible and forward thinking, this is essential.

Let’s recap the steps. You have to create ‘bite-sized’ wants, get those wants out of your head, start with hope and build with help, set up a calendar and don’t drop the ball. For me getting what I want boils down to creating a steady business, a stable home life and memories that will last a life time. What do you want out of life? Can you see yourself following these steps to make it happen? The choice is yours.

This article was featured in the Fierce, Focused, Firedup Issue of SistaSense Magazine. Click here to get a complimentary digital issue when you register for our upcoming Fierce, Focused and Fired Up Webinar Conference. Or order your print issue over at mag.sistasense.com.

Related: WrapUp Last Year Projects and FireUp the New Year Right

(starts today) LIVE RICHER Challenge

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Good stuff: Inside my inbox today was Day 1 of the LIVE RICHER Challenge, a FREE, online financial challenge created by The Budgetnista to help 10,000 women achieve 7-specific financial goals in 36 days.

Discover more & sign-up here: www.livericherchallenge.com

BTW: Tiffany “The Budgetnista” Aliche is officially one of our newest SistaSense Power Circle Experts. For our upcoming Fierce, Focused, and FiredUp Webinar Conference she graced us with an exclusive interview sharing what it means to Live Richer and boost your financial fitness for the new year.

Reserve your virtual seat for this upcoming webinar or get access to the replays at powercircleconference.com.

Tiffany is the bestselling author of the book, The One Week Budget (#1 Amazon / budgeting), and she and her financial advice have been featured on: the TODAY show, PBS, TIME, The New York Times, Reuters, ESSENCE Magazine, FORBES, Fox Business, MSNBC and CBS MoneyWatch. She also blogs about personal finance for The Huffington Post.

SistaSense Magazine 2015: Blog Tips and Branding Talk

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The first 2015 issue of SistaSense In Print Magazine has arrived! The Fierce, Focused and Fired Up issue is all about helping you start the new year on a powerful note!

Featured articles include 5 Steps to Getting What You Want Every Year, Raise Your Credit Score 100 Points in One Year, The Procrastination Stops Right Here, Right Now, 3 Tricks to Blogging More Consistently, Build Your Brand In 5 Easy Steps, Brand Visibility + PR: Become the Media You Seek, and Mompreneur to Mom: Good Job!

Our fabulous featured contributors include Lucinda Cross, Rene Syler and Tiffany Aliche.

Click here to get a complimentary digital issue when you register for our upcoming Fierce, Focused and Fired Up Webinar Conference. Or order your print issue over at mag.sistasense.com.

Unblock Your Blessings #5: The Rock Over the Pillow

I believe that you can unblock your blessings. Starting a business, working from home, living life on your own terms, turning dreams into reality… these things that I once wanted are all things that I now have because I follow 12 steps to UnBlocking Blessings and building my best business.life.self.

In the video above you’ll learn more about Unblock Your Blessings Step #5: The Rock Over the Pillow.

You can power through all that life has to throw at you and become a better, stronger, wiser more powerful person because of what you’ve been through.

Visit unblockyourblessings.com to take my free 90 Day challenge, which includes all 12 steps + my personal collection of motivational videos from top entrepreneurs and business owners.

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