Hey yall we have had the zoom call already for everyone who joined drop some 🔥 in the chat and let us know how it went

☀️ GOOD AFTERNOON APPROVED FAMILY — Happy Thursday! Today is a BIG day — we are going LIVE tonight at 7PM right here inside the community! 🎉 Bring your questions, bring your wins, bring whatever is on your mind. We are going to cover it all. This is your chance to get direct answers from me in real time. Make sure your notifications are on and block off that 7PM time slot. I will see you tonight! Drop a 🔥 if you are going to be on the call tonight! — Shania 🏡💳

If you have never budgeted before, start here. This is the simplest framework that actually works. 50% — Needs: Rent, utilities, groceries, car payment, insurance. These are non-negotiables. 30% — Wants: Eating out, subscriptions, shopping, entertainment. This is where most people overspend. 20% — Savings & Debt: This is where your credit score gets built. Pay down credit cards, build your reserves, and save for your down payment. Example: If you bring home $3,000/month: - $1,500 goes to needs - $900 goes to wants - $600 goes to savings and debt payoff The 30% wants category is where most people blow their budget. Cut it in half and watch how fast your financial situation changes. 💪 Drop a 💎 if you are going to try this rule this week!

Here is something most people skip, you can have a great credit score and still get denied because your bank account tells a different story. Lenders do not just look at your credit. They look at your bank statements. They want to see that you have consistent income coming in, that you are not overdrafting, and that you have money left over after your bills are paid. A budget is not just about saving money. It is about making your financial profile look strong to lenders. Start here: Write down every single bill you have due this month. Add them up. Subtract from your monthly income. What is left is what you have to work with. That number tells you everything. Drop a 💎 if you know exactly what your bills total this month!

Before we can start working on your credit, everyone must complete one step: Fill out your intake form: https://joyfulcapitaladvisory.com/intake This is the only link you need. Here's what happens next: 1. Complete the intake form. It takes you to each next step automatically. 2. Check your email for your credit portal access. 3. In the portal, sign your agreement and upload your documents. Your file can't start without these. Please don't send ID, Social Security numbers or passwords here or by DM. Only upload them inside your secure portal. Need help with onboarding? Message Ms. Evalyn Lara, our Group Manager. Results vary based on your individual credit profile. We do not guarantee score increases, funding or approvals.