Have you ever thought of all the wasted expenses you have had over the years, the things that dont seem to matter to you at the time. Well for me I was cleaning out my fridge and freezer and filled up a whole inside bin of out of date product. This is not the first time, as I carried the bin downstairs to the big bin, I thought what a waste, all the years this has happened would amount to thousands of dollars just thrown in the bin. I don't think I am alone, I think I am pretty good, and kind of pride myself at times for using things before their date, but this was a quick reminder that I am not. Here is a thought I am going to play with. I am going to try and empty my freezer and fridge, pantry before buying anything else (except for some fresh fruit and veges) and see what this does to my spending.

Hi @John Pogue! Happy April! What is something that you recommend for your community members to set our credit intentions for this new month?

Many people associate Family Offices with the ultra-wealthy. But a family office structure can benefit everyone, ESPECIALLY people who are working paycheck to paycheck. Creating a family office for yourself is not difficult, and it opens up your thinking to the broader strategic landscape of handling your finances, credit, and debt. Do you know what a family office is?

E-commerce went from “let me try this” to becoming my main income stream. Consistent 5-figure months still feel unreal because I remember refreshing my dashboard hoping for one sale. The best part? It allowed me to diversify. I’ve been able to reinvest profits into scaling my other businesses without loans or outside funding. Multiple streams hits different when one is strong enough to feed the others. If you’re curious about how it works, I’m always open to connecting.

I am not worthless because I still have something powerful to give: choice. As long as I can make decisions that protect my future, I still hold the shield. ,As long as my actions—no matter how small—move me toward stability, freedom, or clarity, I am not worthless. If my life impacts even one person for the better, I matter.And if that one person is me, that still counts.Especially in this journey. If I can offer love, patience, understanding, encouragement, or even a quiet moment of strength, I’m not worthless. If I can show up one more day, try one more time, or take one more step, then I have worth. If I can trust my own judgment, respect my growing wisdom, and honor the battles I’ve survived, I’m not worthless.If others see that value too, that’s a bonus—but my self-respect is the real credit score that counts. I am not worthless. I am a work in progress. I am rebuilding. I am rising. I am a Credit Avenger.