Your Financial Future Could Be In Jeopardy

Dear Financial Literacy Seeker —

Just like you, credit consumers all over want easy to understand answers to questions about money, debt, savings, and how credit reports and credit scores affect them.

And you want a resource that can provide you with clear direction that will help you take action to move pass money mistakes, repair debt damage  and focus on your financial future.

Hi, I'm Sanyika Calloway Boyce the Financial Fitness Coach and I'd like to share some financial literacy lessons with you.

As the Financial Fitness Coach you might think that I have a background in money management, or that I'm someone who has always been responsible with money.

Not true!

In fact, like far too many of us, I learned about money by trial and error. No matter how many times life presented me with a test on managing my money I failed because I was lacking foundational money lessons and each time I made another costly mistake I wished I had someone in my life to teach me.

After all, there was no Financial Literacy 101 class I could take in school or anywhere else for that matter. So when I graduated from college I thought that nothing could stop me from climbing the corporate ladder to success.

My Reality Check Bounced 

I wasn’t prepared for the fact my future boss would care more about my low FICO score than my high GPA. I didn't know what I didn't know about money, credit and debt and it cost me big-time.

Instead of climbing the corporate ladder to success I had to take a low-paying job on the bottom rung and struggle to survive under the weight of 10 credit cards and $15,000 in non-school related loans that caused me to be denied the very career that I'd attended college to qualify for.

Turning My Mess Into My Message

After eight long years of repaying the debt (which ballooned to more than $23,000 due to late-fees, over-the-limit charges and other penalties) and educating myself on practical ways to manage money responsibly, I started a company to help anyone who needs to "know what they don't know" about money, credit and debt before they make poor money choices that could ruin their financial lives.

Plus, as the President and CEO of Financial Fitness Institute, LLC, Columnist for Young Money magazine, Author of several books on money and Public Speaker I am blessed to be able to share my life experiences and bring hope and inspiration to others who have made a few money mistakes along the way.

Whether you're a parent looking to teach your teen the value of a dollar, a young professional striving to “make it” in the real world,  or a person who just wants real and relevant money tips to make better life choices, you've come to the right place.

Keep reading...

11 Reasons to Take Charge of Your Finances - NOW

Your happiness, your relationships, your career, your retirement and your future could all be in jeopardy.

Did you know:

1. More than 65% of all marriages that end in divorce list financial challenges as the primary reason
    

2. Your boss has the right to look at your credit report when considering you for a promotion AND 70% of employers will review your credit report as part of the hiring process
   
   

3. 64% of employers help with graduate tuition and more than 37% will cover your gym fees but 90% of employees entitled to such perks don't even take advantage of them
   
   

4. You can stop almost all unwanted "special offers" that jam your mailbox and significantly reduce your risk of identity theft by calling 888-5-OPT-OUT
   
   

5. One in four credit reports contain fixable errors that if corrected could boost the score by at least 20 points
   
   

6. An umbrella fund that buys shares in several hedge funds can charge high fees that will easily eat up half (or more) of your return
   
   

7. Raising your credit score from 600 to 720 could lower your credit card interest rate from 18% to less than 10%
   
   

8. You may be able to deduct as much as $2,500 of the annual interest you (or your child) pay on student loans
   
   

9. The average retirement age in North America is 73 (not 65) and more than 37% of people over the age of 65 continue to work at least part-time due to a lack of retirement savings 
   
   

10. More than 54% of college students borrow more than their starting salary is likely to pay causing 74% of college graduates to live from paycheck to paycheck
    
    

11. If you get a tax refund you should adjust your W4 withholdings so you can spend the "bonus" money you get back paying off outstanding debt (which will boost your credit score) or saving (which will give you financial freedom)

The 11 reasons I've given are proof that not knowing isn't a good enough excuse to live with a low credit score, spend more than you should, or risk your happiness, career and even your marriage. 

I can help you change that...

Now You Can Increase Your Financial Literacy By Downloading My FREE & Easy-To-Read Special Reports Written to Educate You On Saving Money, Building Good Credit, and Reducing Damaging Debt
 

By subscribing to my FREE Financial Literacy Lessons Special Report series you'll finally get the practical information and real results that you've been looking for to make better choice about your money and for your future.

Please don't procrastinate, postpone or ponder any longer. Take action and claim your FREE Financial Literacy Lessons special reports NOW. 

You'll learn:

• Tips to Avoid Identity Theft - Did you know that the average ID theft victim spends approximately 200 hours over three years cleaning up the mess left by an ID thief
   

• How to Understand, Improve and Protect Your Credit Score - Did you know that how you pay your bills each month make up 35% of your credit score
   

• The Millionaire Mindset - Did you know that there are 30 success factors that most millionaires can agree are the key to their financial success - and the "average" person has the ability to control more than 70% of them
   

• How to Save More, Spend Less & Focus on Your Financial Future - Did you know the average working adult in North America save less than 3% of what they earn, owes more than $8,935 on their credit cards and would not have the financial resources to sustain their current lifestyle for more than 30 days if unemployed
   

• How To Set Your Children Up for Financial Success - Did you know that more than 53% of parents report that their children "don't have a clue" about managing money, spending wisely or saving for the future

Plus when you claim your FREE Financial Literacy Lessons you'll get many more real and relevant money tips to help you make better life choices!

 

√  Yes Sanyika! Sign me up to receive my FREE Financial Literacy Lessons Special Reports. I want to become more saving savvy, money minded, credit conscious and financially fit so that I will be seriously successful!   First Name Email Zip Code (We respect your email privacy -- your info will never be shared with anyone, and you can un-subscribe at any time.)

To your success,

Sanyika Calloway Boyce
Author, Speaker, and Financial Fitness Coach