Insecure Hits a Home Run Tackling the Reality of Living With Bad Credit

Insecure
By Mwabi Kaira

I saw something watching Insecure the other night that we rarely get to see on the screen; the bad credit struggle. A whole scene was dedicated to it and Issa’s dreaded score was right there on display. Our favorite awkward girl’s score is 425. She’s gone to see her friend Kelli for some help getting her financial situation in order. Of the four friends in the Insecure circle, Issa seems to be having it the worst. Molly is a very successful lawyer climbing the ranks at her firm and ready to take her talents to firms with more money. She has a wardrobe to-die-for and an amazing apartment. She’s the goals we dreamed of watching Maxine Shaw and Joan Clayton do their thing. Kelli is a very successful accountant and Tiffany is the bougie wife with the bougie job that throws fabulous dinner parties and enjoys her best bougie life. Bottom line, all three friends can afford international trips, retail therapy not limited to Ross and TJ Maxx, and dinners at upscale restaurants without saving for them. Issa would need a payment plan.

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Be the Boss of Your Finances With These Easy Breezy Apps


By Kira Sparkles

Are your finances not exactly where they should be? That’s okay! You’re in good company. Only 30% of Americans have any kind of savings or investment plan and roughly the same number have an actual budget for their household which means a lot of us have some work to do. Am I where I want to be financially? Absolutely not. However, I’ve managed to sock away some money in a savings account and even raise my credit score (woop woop!). I’m realizing the path to fixing my finances is a journey just like anything else. People talk about hair journeys and fitness journeys, so let’s take a finance journey. I promise it doesn’t have to be daunting. In fact, the first step is easy: awareness.

In the digital age, a lot of us don’t carry cash, but we do carry cell phones that have amazing apps to help keep us focused on our goals. I wanted to share some of my personal favorites that I hope can help you too.

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Should You Tell Your Kids You're Broke?


By Erickka Sy Savané
“Can we go see ‘The Lion King’?!” asked my five-year-old daughter, while getting dressed for school. It’s a question that comes up every morning when they start showing these Broadway theater advertisements. Yesterday it was ‘Cinderella.’ Usually I tell her that we’ll be going soon, but today I just wanna be honest. “We don’t have the money.”

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