Your Credit Today

Angela Setters Bessard
  • 5.0 (3)
  • BUSINESS
  • UPDATED WEEKLY

Angela Setters Bessard, the founder and CEO of Conquer Credit Management, Inc., is known as a pioneer in the credit industry. With a passion to help people understand how to leverage their credit as a tool to create wealth and attain financial stability, Angela has continued to educate consumers and change lives daily for more than three decades. Conquer Credit Management, Inc. works solely with referrals and trusted advisors and has long been a prominent credit management agency in the financial industry, consulting one-on-one to consumers including professional athletes, celebrities and high performing executives. Hosted on Acast. See acast.com/privacy for more information.

  1. MAR 30

    Maximize your Tax Refund

    What are you doing with your tax return this year? Before you do anything, in this episode of "Your Credit Today," Angela challenges the common advice of using your tax refund to pay off credit card debt and offers smart, strategic alternatives. Discover how to break the cycle of debt and make smarter money moves for long-term financial success. Understand why relying on a tax refund to pay off debt isn't solving the core financial problem.Learn about the importance of investing in yourself and starting an emergency fund with your tax refund.Discover how to create a monthly plan to tackle expenses and reduce debt consistently.Explore the potential for using your tax refund to invest in your future and strategic opportunities.Gain insights into reworking your budget for financial control rather than just debt relief. Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/ If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence 00:00 In "Your Credit Today," host Angela Setters Bessard advises against using tax refunds to pay off credit card debt and offers alternatives for long-term financial success. Subscribe for tips on better financial management. 04:14 Don't rely solely on tax refunds to manage debt; instead, change financial habits and consider investing in yourself. 08:52 Plan and invest wisely to secure your financial future, regardless of income level. 10:40 Plan yearly to avoid financial pitfalls and ensure cash flow covers debts. 16:08 Coaching her to track spending daily on a whiteboard was healing, revealing unconscious spending habits. 18:04 Modern finance is digital and accessible, requiring discipline and awareness of spending, savings, and taxes, regardless of wealth. 21:31 Stay focused on your goals, remove negative influences, and make smart financial decisions. Hosted on Acast. See acast.com/privacy for more information.

    24 min

  2. MAR 2

    Spring Cleaning for Your Credit

    Reset your financial situation and make 2025 your best financial year yet with Angela Setters Bessard, the real credit queen. Dive into essential strategies to refresh your credit, manage your debt, and revamp your budget. Learn how to effectively check and update all three of your credit reports.Discover methods to consolidate and manage credit card debt, including using balance transfer cards and personal loans.Understand the importance of increasing your credit limits and maintaining positive credit history.Uncover the snowball and avalanche methods for tackling debt repayment.Refresh your budget focusing on cutting unnecessary spending and automating your savings and investments. 00:00 Reset your credit score to improve finances. 05:49 Ensure personal information on your credit report is accurate and up-to-date, including addresses and social security number. Consider using a P.O. Box for stability if you're renting. 08:29 File disputes with all three credit agencies to improve your middle credit score. 13:03 Apply for multiple zero percent interest balance transfer cards on the same day. Research card terms carefully and plan to pay them off diligently to avoid debt. Keep credit card usage under 30% and use them every 90 days to maintain good credit relationships. 17:25 Pay your credit card balances to avoid debt snowballing and maintain good relationships with creditors. 19:54 Increase credit limits to manage debt better and improve your financial standing for future credit needs. 24:35 Choose the snowball method to pay off small debts first for motivation or the avalanche method to pay high-interest debts first to save money, depending on your financial needs. 27:41 Re-evaluate your budget, cut unnecessary expenses, focus on debt repayment and savings, pay yourself first, and do tax planning. 29:38 Automate savings and 401k contributions; allocate income: 50% to needs (rent, bills), plan and document finances. 32:41 Refresh your credit, pay down debt, and set financial goals by checking credit reports, choosing a debt plan, and creating a strategy. Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/ If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence Hosted on Acast. See acast.com/privacy for more information.

    36 min

  3. FEB 12

    Love and Money - How Can Two Walk Together Unless They Agree?

    Angela, The Real Credit Queen, invites her husband, Ralph Bessard, to discuss the critical aspects of managing finances within a relationship. They share their journey through the peaks and valleys of financial management together, and the importance of teamwork, financial self-love, and repairing relationships with money. Angela and Ralph draw from their rich personal and professional experiences and share actionable insights into building a successful financial partnership. Financial challenges and misunderstandings are common in relationships, yet open communication and strategic planning can transform these obstacles into opportunities for growth. Angela and Ralph discuss their early experiences of navigating life together, offering practical advice for young couples looking to establish a strong financial foundation. By focusing on financial self-awareness and aligning individual and joint financial goals, couples can thrive both personally and financially. This episode is filled with essential advice for integrating love and money, fostering transparency, and strategically planning for a prosperous future. Key Takeaways:Teamwork and Communication: Successful financial management in a relationship relies heavily on understanding each other's strengths and creating an open, communicative partnership.Individual Financial Identity: Each partner should maintain their credit identity while working together, which can provide a safety net and individual security.Transparent Financial Discussions: Openly discussing financial habits, knowledge, and goals is vital for avoiding misunderstandings and developing mutual financial strategies.Investment in Relationships: Finances are an integral part of relationship-building that should involve both partners equally, supporting each other's aspirations and growth.Love and Finances Connection: Emphasizing financial self-love and strategic planning can enhance relationship stability and prevent financial issues from causing discord.Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/ If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence Hosted on Acast. See acast.com/privacy for more information.

    38 min

  4. 12/21/2024

    Creating a Financial Vision for 2025

    As we approach a new year, it’s easy to get caught up in traditional goal-setting—but what if there’s a better way? In this episode of Your Credit Today, Angela Setters Bessard challenges you to rethink your approach by focusing on financial intentions rather than rigid goals. Intentions tap into your deeper “why,” keeping you motivated and inspired—even when life throws curveballs.What You’ll Learn:Intentions vs. Goals: Discover why setting financial intentions is more effective than traditional goal-setting. Learn how to connect your financial vision to what matters most to you.Vision-Building Exercises: Write a letter from your “future self” in 2025, describing your financial success, and reverse-engineer the steps needed to get there.Intentional Debt & Savings Plans: Find out how shifting your mindset can make paying down debt or saving money feel purposeful and rewarding.Monthly ‘Intention Check’: Stay on track with monthly check-ins that help you adjust your financial actions while keeping your long-term vision in focus.Key Takeaways:Your financial journey is more than a list of goals—it’s about becoming the person you envision.By leading with intention, you’ll build a financial future rooted in meaning, not just metrics.Angela’s coaching can help you create a personalized financial plan aligned with your unique values and vision.Listen Now and take the first step toward creating a financial life that inspires you in 2025!Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/ If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence Hosted on Acast. See acast.com/privacy for more information.

    22 min

  5. 12/01/2024

    Mind Over Money

    As 2024 comes to a close, Angela Setters Bessard takes a deep dive into the emotional side of money, uncovering how past experiences, fears, and financial trauma influence our financial behaviors today. In this episode, Angela shares actionable tips and powerful insights to help you shift your mindset around money and credit, empowering you to start the new year with confidence and financial clarity. Don't miss this opportunity to take control of your financial future!The Emotional Side of Money: Angela delves into how past financial struggles and emotional trauma can shape current financial behaviors. She explores how many people associate money with fear and anxiety, stemming from experiences of financial hardship or even generational patterns. Recognizing and Changing Financial Patterns: Angela highlights common financial habits, like avoidance of budgeting, fear of tracking expenses, and overspending, showing how to recognize and break these patterns. She emphasizes practical tools, like tracking expenses visually (even on a whiteboard), to help individuals become more conscious of their spending. Building Financial Confidence Through Mindset Shifts: Angela provides strategies for reframing financial setbacks as growth opportunities, teaching listeners to view their financial journey as one of empowerment. By setting small, achievable goals, she encourages her audience to rebuild confidence step-by-step.Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season! https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/ Hosted on Acast. See acast.com/privacy for more information.

    19 min

  6. 11/24/2024

    Credit Wellness

    In this episode, Angela Setters Bessard reveals how mastering credit wellness can be a game-changer for achieving financial freedom. She shares key insights and practical steps to empower listeners to take control of their credit health.Breakdown of credit score components: debt-to-credit ratio, payment history, and credit mix.Common credit pitfalls to avoid, like maxing out cards and missing payments.Proactive tips for managing and improving your credit score.Long-term benefits of strong credit health for personal and financial goals.Encouragement to view credit as a powerful asset for financial security. Gain the knowledge to confidently use credit as a tool to reach your financial goals!If you're looking for a speaker to bring Creducation to your organization, don't hesitate to get in touch! I'm here to help you take charge of your credit journey and make empowered choices for a secure financial future. Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season! https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/ Hosted on Acast. See acast.com/privacy for more information.

    28 min

  7. 11/23/2024

    Financial Healing for the Holidays

    In this episode, Angela Setters Bessard offers invaluable advice on managing finances during the holiday season without sacrificing joy or peace. She shares practical tips to help listeners stay financially grounded while creating meaningful holiday experiences.Setting holiday spending goals: The importance of planning ahead to avoid last-minute financial stress.Embracing mindful gift-giving: How creative, heartfelt gifts can reduce spending while bringing deeper meaning.Avoiding impulse buys: Tips for resisting holiday sales and setting spending boundaries.Post-holiday recovery strategies: How to plan for financial recovery in the new year, including budgeting tips and debt management.Angela’s encouragement to make the holiday season financially fulfilling without overspending.Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season! https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/ Hosted on Acast. See acast.com/privacy for more information.

    27 min

  8. 09/23/2024

    Kids and Credit! Let's Talk About It!

    Angela Setters-Bessard, The Real Credit Queen, dives deep into equipping teens with financial literacy. Learn strategies to teach your kids about bank accounts, managing credit, and avoiding debt pitfalls. Discover the benefits of authorized user status, secured and student credit cards, and the pros and cons of co-signing. Angela also shares practical tips on paying bills on time and using credit responsibly. This episode is filled with actionable advice to set your kids up for a successful financial future. Don't miss her expert insights! Timestamp Summary 1:00 Teaching Teens Financial Literacy and Credit Management 4:00 Bank Accounts and Credit Cards 7:00 Teaching Financial Literacy to Prepare Kids for the Real World 9:00 Building Credit Through Authorized User Status and Responsible Practices 12:00 Empowering Teens with Credit Responsibility 15:00 Financial Literacy with Credit Cards 18:00 Debt and Credit Card Misconceptions 19:00 Benefits of Co-Signing for Loans 22:00 Responsibility 24:00 Teaching Financial Literacy to Future Generations Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com. If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future. Hosted on Acast. See acast.com/privacy for more information.

    25 min
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Ratings & Reviews

5
out of 5
3 Ratings

About

Angela Setters Bessard, the founder and CEO of Conquer Credit Management, Inc., is known as a pioneer in the credit industry. With a passion to help people understand how to leverage their credit as a tool to create wealth and attain financial stability, Angela has continued to educate consumers and change lives daily for more than three decades. Conquer Credit Management, Inc. works solely with referrals and trusted advisors and has long been a prominent credit management agency in the financial industry, consulting one-on-one to consumers including professional athletes, celebrities and high performing executives. Hosted on Acast. See acast.com/privacy for more information.

Information

  • Creator
    Angela Setters Bessard
  • Years Active
    2023 - 2025
  • Episodes
    114
  • Rating
    Clean
  • Copyright
    © 2023 Angela Setters Bessard
  • Show Website
    Your Credit Today