This Paid Certifications Guide 2026 was built to help you shift your mindset from “I can’t afford it” to “I’m going to learn it and get paid for it.” Inside, you’ll find verified programs, nonprofits, and state grants that cover or pay for your certifications plus ways to turn those new skills into income, business credit, and financial freedom.

If you’ve had a late payment on an account that’s now paid off or closed, there’s a powerful strategy you can use: It’s called a Goodwill Adjustment Request. ❤️📉 This is where you ask the lender to remove the late payment out of goodwill — especially if: You’ve been a good customer overall The late payment was a one-time issue The account is paid off or in good standing now ✉️ COPY + PASTE THIS TEMPLATE: [Your Full Name] [Your Address] [City, State ZIP Code] [Email Address] [Date] [Creditor’s Name] [Creditor’s Address] Subject: Request for Goodwill Adjustment – Account #[Your Account Number] To Whom It May Concern: I hope this message finds you well. I am writing to request a goodwill adjustment regarding a late payment that occurred on my account #[Insert Account Number] in [Insert Month/Year]. At the time, I [briefly explain reason – e.g., experienced a temporary financial hardship, lost my job, moved, etc.], but I have since taken steps to ensure this doesn’t happen again. I have been a loyal customer and have consistently made timely payments outside of this isolated incident. I kindly ask that you consider removing the late payment from my credit report as a gesture of goodwill. I appreciate your time and consideration, and I hope to continue maintaining a positive relationship with your company. Sincerely, [Your Full Name] [Last 4 of SSN] [Phone Number] ✅ Tips for Success: Only send this for accounts in good standing or paid off Use polite language — no demands or legal threats Send via email and mail (with proof of delivery) Follow up in 2 weeks if no response

How to start a private Hime Care Business

Start creating and selling!!!

1️⃣ Start with the land, not the loan. Buy LAND first. $50–$500 auctions. No mortgage. No landlord. Just ownership. Drop your STATE and I’ll send the land play book 📕 2️⃣ Boost your score before you boost your income. 30 pts = remove collections 50–100 pts = utilization under 10% 20 pts = 2× on-time payments → Homeownership starts with CREDIT, not cash. 3️⃣ Get pre-approved BEFORE you start looking. Saves time, stops heartbreak, and makes sellers take you serious. Tip: Credit unions approve faster than banks. 4️⃣ Use first-time buyer grants. States give $5,000–$15,000 for down payment + closing costs. Most people don’t apply because they don’t know they qualify. 5️⃣ Don’t fall in love with the kitchen. Fall in love with the location — that’s what appreciates. 6️⃣ FHA is not your only option. USDA = $0 down (rural areas) VA = $0 down (veterans & spouses) NACA = no credit score pulled Your zip code might qualify you RIGHT NOW. 7️⃣ Don’t skip the home inspection. It’s cheaper than paying for broken pipes and hidden issues later. 8️⃣ Buy the house that pays YOU. Duplex • Triplex • ADU Live in one → Rent the rest → Live free. 9️⃣ Don’t shop for the house… shop for the RATE. A 1% rate drop can save $40k–$80k over the loan. 🔟 Don’t stretch your budget. Just because they approved you for $400K doesn’t mean buy $400K. Buy what keeps your peace AND your pockets stable.