#Realestate #financialwellness expert. Author, speaker, entrepreneur; syndicated columnist; @WGNRadio ThinkGlink.com & @BestMoneyMoves
Joined April 2008
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Jun 10
Thanks so much for having me. FInd me at thinkglink.com or at glink.substack.com. Sign up for my free newsletter: Love, Money Real Estate
#creditchat @experian #money #family #crazy
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Jun 10
A10: Write more about real people navigating real money problems. Not theory—the messy, complicated stuff. Today's post, My Husband’s Daughter Is Accusing Me of “Stealing” Her Inheritance.
#creditchat @experian glink.substack.com
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Jun 10
A10: Continue to max retirement contributions and grow my annual savings contribution by 20%.
Goals only work if they're specific and measurable. Vague intentions get vague results.
Pick a number. Hit it.
#creditchat @experian glink.substack.com
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Jun 10
A10: Help more people actually read their credit reports. Most never have.
Knowledge changes behavior, and behavior changes outcomes.
That's the goal—improve your knowledge every single year.
#creditchat @experian thinkglink.com
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Jun 10
A9: I save every $5 bill that crosses my path. Sounds silly, but it's over $1000 this year doing nothing more than not spending fives. Find your version. Habits beat willpower. #creditchat @experian
glink.substack.com
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Jun 10
A9: This isn't rocket science:
Automate $25 weekly into savings. By December, that's $1,300 .
Cancel one subscription you forgot about.
Pack lunch three days a week.
Tiny shifts=real money.
#creditchat @experian thinkglink.com
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Jun 10
A9: Check your accounts every morning as you're drinking your morning cup of coffee.
Deferred gratification works: Wait 24 hours before any purchase over $50.
Round up transactions to savings. Boring habits, big year-end results.
#creditchat @experian glink.substack.com
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Jun 10
A8: I've been there—business slow, bills stacking up. It's enough to make anyone crack up.
investor and asked for help. Most said yes. Communication beats avoidance. Pride costs money you don't have.
#creditchat @experian glink.substack.com
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Jun 10
A8: A 0% balance transfer card or HELOC buys time without high rates—but only with a real payoff plan. Otherwise you're delaying pain. Cut expenses first, borrow last.
#creditchat @experian glink.substack.com
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Jun 10
A8: Call your creditors before you start missing payments—most will work with you.
Use emergency savings, not credit cards, if something comes up.
Sell stuff you don't need. Pick up gig work. Avoid payday loans.
#creditchat @experian thinkglink.com
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Jun 10
A7: Honestly? Me. I get excited about new financial ideas constantly. The real discipline is sticking with one plan long enough to see it work. That's what I've done with all of my companies.
Boring usually beats brilliant. #creditchat @experian thinkglink.com
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Jun 10
A7: Boredom. Saving and budgeting aren't exciting. So, people stop tracking, stop checking, and drift. They spend more than they should.
So, build small celebrations into milestones. 🎆🥳🎊
Boring works—if you stick with it.
#creditchat @experian glink.substack.com
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Jun 10
A7: Life happens:
➡️ Car breaks down
➡️ The kid needs braces
➡️ The roof leaks.
People quit being smart about money because one setback feels like total failure. It's not.
Acknowledge the hit, adjust, keep going.
#creditchat @experian thinkglink.com
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Jun 10
A6: Last year, a friend found an old store card they'd forgotten about lurking on their report. Closed it, fixed an error, took 20 minutes total.
Saved them future #credit headaches. Go check yours. #creditchat @experian glink.substack.com
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Jun 10
A6: Look for accounts that aren't yours—that's identity theft. Verify balances match reality. Check inquiries—too many hard pulls hurt your score. Confirm closed accounts show closed.
#creditchat @experian glink.substack.com
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Jun 10
A6: Errors first—wrong addresses, accounts you don't recognize, late payments that weren't. Dispute immediately. Then verify balances and limits.
The key thing is: catch problems before they snowball.
#creditchat @experian thinkglink.com
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Jun 10
A5: I pay my credit card bills weekly or as I charge, not monthly. Excessive? Maybe.
But utilization stays low, my score stays high, and I never wonder "how did that balance get so big?"
#creditchat @experian thinkglink.com
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Jun 10
A5: We give this advice on every #creditchat:
1. Pay every bill on time—that's 35% of your score.
2. Keep utilization under 30%, ideally 10%.
3. Don't close old cards.
4. Don't open new ones unless you really need them.
#creditchat @experian thinkglink.com
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Jun 10
A4: Last year my car needed thousands in repairs. Because we had a solid savings account, I didn't have to think twice about the bill. That's where you want to be.
#dontquitnow
#creditchat @experian glink.substack.com
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Jun 10
A5: Set up autopay for minimums on every card. Pay down balances before the statement closes. Check your credit report quarterly at AnnualCreditReport.com. Free and easy.
#creditchat @experian glink.substack.com
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