Financial and Business Book Club

04/02/2026

April is Financial Literacy Month,
Join us! "30-Day Financial Fitness Challenge"
Week 1: The Foundation (Budgeting & Mindset)

Day 1: 📅 Happy Financial Literacy Month! This month, we’re doing 30 days of tips to level up your money game. Day 1: Track every penny you spend today. You’ll be surprised where it goes!

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register at bit.ly/HMWseries4 for our HowMoneyworks Weekly Workshops

03/31/2026

03/28/2026

Here is some credit hacks today because most people are struggling with their credit score.

1. Keep your credit card usage under 30%… I recommend 10%. If your card has a $1,000 limit your balance should report under $100. High utilization will drop your score fast.

2. Pay your credit cards BEFORE the statement date, not just the due date. The statement balance is what reports to the credit bureaus.

3. If you have collections, don’t rush to pay them without a strategy. Sometimes they can be removed completely if they can’t verify the debt correctly.

4. Authorized user accounts are a cheat code. Getting added to an older card with good history can boost your score quick.

5. Stop applying for a bunch of credit cards at once. Every inquiry drops your score and too many makes lenders nervous.

Most people learned bad information which brought them to have bad credit. Know better. Do better.

Fix the mistakes, learn the system, and watch your score move.

03/26/2026

HOW TO BUDGET
1. Write down your total income for the upcoming month.
2. List ALL of your expenses. Fixed and Variable
3. Subtract your expenses (including savings) from your income. This should balance or equal zero.
4. Track your spending throughout the month.
It's important to see where your money is and is NOT going, so you can make better decisions.

Are you financially literate? 76% of participants can't answer 4 out of 5 of our basic questions about how money works. Try the quiz yourself and see how you do!

03/17/2026

Chasing rainbows is fun… but finding the real pot of gold takes a plan. 🌈✨

This St. Patrick’s Day, don’t leave your future up to luck. Build it with knowledge, strategy, and the right guidance.

At WealthWave, we believe wealth follows literacy. 🍀

Ask about our ebook and a Free financial strategy session.

06/10/2025

Did you know?

05/22/2025

Review your financial system(s). Improve weak areas through financial literacy knowledge. Then apply that knowledge.