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3 In Money/ Money Management

Step By Step Guide On How To Attack $30,000 In Student Loan Debt

How to knock out $30,000 in debt within one year with going crazy. | Imperfect Concepts #studentloan #debt #money #management

Around the last week of December I was tweeting with Candice about student loan debt and more. Sharing how that year I had paid off $30,000 worth of debt. Well, thats the same plan this year. Paying off $30,000 worth of student loan debt. The exact amount is $28,667.89 which comprises of 5 separate loans. As mention in this article on tackling debt while a small business owner, I have a amassed a stupid amount of debt before I was even 25 and I am fixing it now. If all goes to plan I will be debt free before 32. Continue Reading →

0 In Money/ Money Management

How To Establish A Prosperous Outlook At Any Age

Building wealth is important no matter your age, learn how you can change your current circumstances. | Imperfect Concepts #blogging #success #smallbusiness #wealth

In the last couple months, I have wrote more and more about my personal finances and being as transparent as possible with you my audience. Honestly, I never sent out to be some type of trailblazer for transparency when it comes to my business. I just decided that I would be an open book mainly so no one could throw my past mistakes in my finance. Owning up to where I was in my past and where I am now as a business owner.  Continue Reading →

4 In Money/ Money Management

Breaking Down Your Dreams, Goals, & Visions By Numbers

How you can turn your dreams into a full time business. Sharing an elaborate break down of the numbers to help you. | Imperfect Concepts #smallbusiness #blogging #entrepreneur

Recently, I’ve noticed more people are holding off on their dreams or they’re putting them on the back burner. They will say it’s their dream to bring in $50,000 a year with their business or that they want to be able to pay themselves $2,000 a month. The most commonly used phrase regarding dreams is that “I want to quit my job to pursue my dreams but I can’t afford to do so”.   Continue Reading →

7 In Money/ Money Management

5 Ways To Increase Your Credit Score By 200 Points In A Year

How I increased my credit score in less than a year with these five simple tips. | Imperfect Concepts #CreditScore #StudentLoan #Debt #DaveRamsey

I have had a love hate relationship with my finances for a good percentage of my adult life. The other day I was out shopping with my sister, and I said she was so frugal when it came to purchasing something. She said that she got our dad’s frugal genes and I got our mother’s frivolous genes. In the last two years, I have improved my financial situation. My “it’s not cute being in debt” Aha moment really changed my life.  Continue Reading →

1 In Money/ Money Management

The Importance of A Business Checking and Savings Account

Understanding the importance of having a your money separate when running a small business. | Imperfect Concepts #blogging #finances #smallbusiness

If you’re running a small business or plan on launching one it is imperative for you to have a business checking and savings account that is separate from your personal accounts. Last month, in 5 Ways To Create Money Habits a commentator asked me to dig deeper into this topic matter.

To be honest, there are only a couple reason why you need to separate your finances and they all evolve around legal reasons.  Continue Reading →

3 In Financing/ Money

How To Launching A Small Business Without Occurring Debt

Insider tips on how you can launch a business without occurring debt. | Imperfect Concepts #finances #smallbusiness #launch

There is one thing I will never tell you to do and that is incur debt to start a business. My first response is to bootstrap your business and save up $1000 to $5000 before launching to help you run your business. There are too many people who will say oh put that on a credit card. Literally, I was at a coffee shop and a Mary Kay representative told a girl oh its okay that you cant afford to buy the $1500 outright, I can show you some great credit cards to put it on so you can start. Getting debt is like quitting. Once you start getting in debt you keep doing. Once you quit you usually stay quitting things. Hard habits to break.  Continue Reading →

6 In Money

5 Ways To Create Better Habits With Money

How you can establish better money habits today. | Imperfect Concepts #SmallBusiness #Money #finances

The topic of the day is…money. I love that we’re having an open dialogue on this. I’m very thankful that this is the type of content you want to learn more about. As always, I will be sharing from my personal experience. I hope it helps you create better habits with money, so that you too, can be successful in your personal and business life. In recent years, I have seen what bad money habits can do to you; from causing strife to much more drastic damages to your life.

Continue Reading →

7 In Money/ Money Management

How To Tackle Your Student Loan Debt While Starting A Business

Step by step guide on how I personally gained control of my student loans and run a profitable business. | Imperfect Concepts #SmallBusiness #MoneyManagement #StudentLoan #DebtFree

While I’m growing my business, the main goal for my personal life right now is to be debt free from all student loans and commercial debt (credit cards). As mentioned in, Establishing A Better Relationship With Money and Nice Girls Don’t Get Rich, I have been working on this for some years now. Some people will say that when you start a business it’s okay to have business owner debt and others might say that they can’t afford to get out of personal debt while simultaneously starting a business. I just wanted to share with you all, how I have cut my debt in half and will be hopefully debt free by the end of 2016.  Continue Reading →

22 In Money/ Money Management

Establishing A Better Relationship With Money

How I went from being stressed with debt to healthy relationship. | Imperfect Concepts #SmallBusiness #DebtFree #MoneyManagement

Three years ago, I was a horrible manager of my money. That’s putting it nicely. Money would come in and go out the same day. I had no self-control or balance to my finances. I just did what I wanted. This was a disaster in the making. To break it down, I had missed payments on my student loans and a few other bills. In addition to that, I had no real savings account.

A good majority of American’s are two paychecks away from being homeless. We have become a society that depends upon our checks to always come in and help me out. We rely daily on our credit cards to live. It shouldn’t be this way. So, I am going to get real transparent on what I did to change my finances. This is going to work for some people and not others.

Continue Reading →

14 In Money/ Payment & Collections

Invoice Systems To Utilize For Your Small Business

How to use Wave App to handle all your companies invoicing. | Imperfect Concepts #moneymanagement #smallbusiness #invoicing

Some business owners gloss right over money management. That happens to be one of the top reasons businesses go under so quickly. I am very adamant about managing my companies finances. It’s crazy how I can be so anal about my business finances yet be lackadaisical with my personal finances. This year I made sure to get them under control. Debt Free by 2016, hopefully. We will discuss how to tackle consumer and student loan debt next month. However, right now, I’m going to share about how I invoice my clients.  Continue Reading →

5 In Money/ Payment & Collections

Girl Get Your Money Right: Payment & Collections

Helping you understanding payments & collections for your business

When I launched my business, my knowledge level of payments and collections was limited to PayPal, checks, and cash. It seemed that only people who had the direct payment option was big companies, such as Nordstrom or Neiman Marcus. Since then, there has been a surge of ways for businesses to collect payments regarding merchandise, invoices and more.  Continue Reading →

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