Good morning our 1st October Session for Credit is now posted! If you were unable to join us live please watch the replay by clicking the link below. We have some Homework to do!!! If you are unable to open open th echat link here is what was posted on last night. https://drive.google.com/file/d/1fzYf0DH-ZgghgKlpRhlHzHesHOL3GDSV/view?usp=drive_link If you are unable to open open th echat link here is what was posted on last night. 18:51:55 From Brandy Tennille : Credit Utilization Formula Per-card ratio: (Card Balance ÷ Credit Limit) × 100 Total ratio: (Sum of All Balances ÷ Sum of All Credit Limits) × 100 18:58:29 From Brandy Tennille : Choose 3 Habits below to implement for the rest of this year: ☐ Set automatic bill payments ☐ Pay down credit card balances ☐ Become an authorized user ☐ Avoid applying for new credit ☐ Keep old accounts open ☐ Monitor credit monthly 19:01:30 From Brandy Tennille : My 90-Day Credit Goal Current Score: _______ Target Score: _______ Improvement Goal: ______ points 19:10:07 From Brandy Tennille : https://brandytennille.myflodesk.com/homelab

Pull out the budget you created in your Budget Your Life Planner. Now compare it to what you’ve ACTUALLY spent this week. This is important. Your budget says what you planned to do. Your expense tracker shows what you actually did. The gap between the two gives us information. Ask yourself: ✨ Did I underestimate a category? ✨ Did I forget certain expenses altogether? ✨ Did I overspend somewhere? ✨ Is my budget realistic for my current life? ✨ What needs to change next month? A budget that doesn’t match your real life won’t work. We aren’t abandoning the budget. We’re making it better. 👇🏾Comment DAY 6 DONE when you’ve compared your plan to your actual spending.

Now we’re going to shift the question. Instead of: “What do I need to stop buying?” Ask: “What do I want my money to accomplish?” Could $50 become emergency savings? Could $100 go toward debt? Could $200 become part of your home fund? Could one convenience expense be redirected toward your closing costs? Your financial goals? This is where budgeting becomes bigger than restriction. Your money needs an assignment connected to your vision. 📖 Habakkuk 2:2: “Write the vision and make it plain…” Today’s question: If you freed up $100 this month, where would you intentionally send it? 👇🏾 Comment your answer + DAY 5 DONE.

We have enough information now to start noticing patterns. Look back over Days 1–3. Where is money leaving that you didn’t intentionally plan to spend? Maybe it’s: Food delivery Subscriptions Impulse purchases Extra grocery trips Convenience fees Amazon Eating out Shopping because you’re bored We’re not looking for something to feel guilty about. We’re looking for money that could potentially be reassigned. 📖 Proverbs 27:23: “Be sure you know the condition of your flocks, give careful attention to your herds.” In today’s language: Know your numbers. 👇🏾Tell us ONE money leak you discovered, or simply comment DAY 4 DONE.

Today, look at each expense and ask: Was this a NEED, a WANT, or CONVENIENCE? 🏠 NEED — something necessary 💕 WANT — something you chose because you enjoy it ⏰ CONVENIENCE — something you purchased because it saved time or made life easier Here’s the important part: There is nothing wrong with having wants. We simply need to know how much of our money is being directed by intention versus impulse or convenience. Today’s question: Which category surprised you the most? 👇🏾Comment DAY 3 DONE when you’ve tracked today’s spending.