Your Credit Today Angela Setters Bessard

In this episode The Real Credit Queen, Anglea talks about unleashing habits that will help you be a better person overall as it pertains to your money and how that flows in your life. As we go into the holidays, it's really important to have a plan so that we don't get in debt. Too many times people that don't plan for the holidays get in super.debt and it's all because they wanna have these lavish gifts that they're giving to their kids or they're giving to their family, and although I completely understand, giving is from the heart and sometimes people get super excited about giving and I think it's a beautiful thing. We have to be very careful that we are not getting into debt, wanting to please.
What You Will Hear:
Turning up the frequency of love and gratitudeHoliday spending and debtPlanning and budgetingPreparing ahead of time and advice on how to preparePlanning to savePlanning for the futureMental healthEmergency funds
Quotes:
“You're never too wealthy to use coupons.”
“When you get in the habit of making plans for things, then you're going to feel so much more peace and at rest.”
“You should have so much money put aside for your reoccurring expenditures, your mortgage, your rent your car payment, your insurance, whatever it is that you have that are fixed expenses, you should have at least six months to a year ahead of time put away.”
“You're never ever too broken to be fixed.”
“I care about your future, and more importantly, I care that you understand how to use your money and your credit as a tool to build wealth. 
Mentioned:
AngelaBessard.com
Angelas@conquercredit.com
I AM Music Group

Angela sits down with Jacob Hipensteel to discuss the credit system, errors in reporting and how to resolve issues. Jacob is a consumer attorney licensed in Arizona. He's a partner and the director of litigation at McCarthy Law PC a national law firm that focuses on fighting.
For the little guy, McCarthy Law fights for justice by suing banks, debt creditors, and collectors and credit reporting agencies for violations of consumer protection laws.
What You Will Hear:
What inspired Jacob to be a lawyerWhat a consumer attorney doesCommon credit report errors and resolution issuesCustomer service.  Credit report agencies customer vs consumerIdentity theftWhat attracted Jacob to consumer lawEarly financial literacy.  The envelope systemBest advice ever received.  Growth mindsetBecoming more financially fit.  Understanding budgeting and credit as toolsShocking and concerning facts about credit disputes and scoresAdvice for our youth
Quotes:
‘The whole system is set up in a way that they're not able to review the disputes, correct the errors and do what's right by the consumer.” 
“As unfortunate as it is, there I think everybody understands that we live in a pretty litigious society. I mean, everybody's gonna sue everybody for anything all the time…..but at the same time, there's not a lot that gets a big bank's attention outside of a lawsuit sometimes.”
“it's supposed to be hard when you're learning new things. When you're trying to grow it's supposed to be hard. That's the point. That's you growing.”
“You can't do that. You can't use credit as a tool if you don't understand how it works.”
“If you're looking at something and you don't like the way it works or you don't like the system that's in place you don't like how things are functioning, you can do something about it. There's ways to change these things.”
“It's important to make sure that the advice you're getting is real advice and that  you're not just going in circles because it's hard enough to get things fixed when you're doing it the right way.
Mentioned:
McCarthy Law
AngelaBessard.com
Angelas@conquercredit.com
I AM Music Group

Special guest Tisha Janigian is a single mother of two teenage boys and the president and founder of nonprofit She is Hope LA. The mission is to educate and empower single mothers starting over in the workplace and to provide affordable transitional housing and childcare. The She Is Hope Realty Boutique just opened at the end of October in Encino and all proceeds go back to the nonprofit. Go to Tisha and her team because it goes for a fantastic cause.
Notes:
Single mothers a hand up instead of a handoutsheishopela.orgdetermined to make a difference and fix the welfare systemMy father told me to get into real estate to take my life to the next level.
Quotes:
"When my ex and I split I had no credit, no money, and no assets to my name so it was really hard to start over"
"I realized our system is broken and there is a gap over poverty"
"I finally got a break with a job for a few hours a week, just over minimum wage, and because of that my food stamp benefits went down to almost nothing."
"We educate our moms with experts on things like financial and legal advice, job training and preparation, mind-body wellness, and peer support."

Last show we talked about the big picture of how to get organized in a way that helps you keep the right mindset about spending and using credit cards. This week let’s dive deep into that conversation and unpack the why behind our decisions with money and debt. I get questions all the time from people on how to get points to travel for free and the answer is you have to spend money! We live in a society of social media that makes things look easy, the age of desire from what we see can make us take a path unintended that can lead to disaster. It's important to create good habits and keep your mind on your money and credit!
What You Will Hear:
Carrying cashProtecting your futureThe dangers of money appsPaying attention, being curious and cautiousSocial media influence, researching and fact checkingCredit cards and point systems Get educatedLeveraging your systemTime Shares
Quotes:
“We live in a digital economy that is ever growing with new ways to pay and spend.”
“Talk to me like I’m two.”
“With new levels come new evils.”
“Anything that you do in life that gains bountiful returns requires hard work.”
“Your credit is an investment tool to build wealth.”
Mentioned:
AngelaBessard.com
Angelas@conquercredit.com
I AM Music Group

Angela guides you through the steps, tools, systems and implementation of a money management plan.  .
What You Will Hear:
Credit CardsMaking a plan step by step processSimplifying your systemsApps, online and easy access spendingReal money conversations with your kidsTools needed to maintain good creditCredit cards and spending limitsTaking control and preparing for the future
Quotes:
“If you’re not managing your spending it’s really easy to overspend and not know that you’re doing it.”
“Sit down and have money conversations with your kids.”
Mentioned:
AngelaBessard.com
Angelas@conquercredit.com
I AM Music Group

Owen Beiny (@thepointspartner), better known as The Points Partner is a former CEO that has spent the last 20 years traveling around the world for free by using credit card points, air miles, upgrades and benefits. Owen joins Angela to talk about maximizing credit card benefits and what are the best credit cards to have.
Best advice received Value vs. moneyFinancial literacy and lack thereofOwnes financial educationThe evolution of credit cardsThe importance of knowing the benefits of credit cardsInsurance Back SecurityAmerican ExpressPassive incomeTop 5 Credit Cards for each individualAmerican Express Rose Gold card
Quotes:
“don't ever expect anything from anyone, unless you've done something for them first. Giving is absolutely the most important thing you can do.”
“Having money won't make you happy. Not having money will make you unhappy”.
“Money itself doesn't have the value.”
“That is the best attitude to have is to always have your hands open, prepared to give.”
“Being a millionaire, won't make you happy, but I'd like to find out the hard way. “
“Why are we teaching kids, how to do algebra and where to put commas in sentence? When they leave school and they enter the real world, what they actually need to know is how do they restore their own credit? How does the credit system work? How does the banking system work? How much taxes should they pay? Should they have an LLC, an S Corp, a C Corp and all of the real estate mortgages, helocs, none of the things that real humans, real adults need to know about, re they teaching.”
“There is not a single annual fee of a credit card in America today that is not easily, easily justified. If you understand the benefits of the card,”
Mentioned:
Pointspartner.com
Fly Free Academy
Instagram TikTok @thepointspartner
Angelas@conquercredit.com
I AM Music Group