JLH Financial Coaching, LLC

09/07/2026

📊 KNOWLEDGE IS POWER — UNDERSTAND YOUR CREDIT!

Your credit report and credit score are more than just numbers—they can impact your financial opportunities and your ability to reach your goals.

Do you know how to read and understand your credit report? Do you know what is affecting your credit score?

✅ Review your credit report regularly to identify errors or questionable activity.
✅ Understand your credit score and the factors that influence it.
✅ Pay your bills on time to help protect and strengthen your credit.
✅ Avoid unnecessary debt that can make it harder to stay financially stable.
✅ Prevent accounts from going into collections by staying current on your payments.
✅ Set financial goals and monitor your progress along the way.

Taking control of your credit starts with understanding it! Don't wait until you need a loan, purchase a home, or face a financial challenge to learn how your credit works.

JLH FINANCIAL COACHING
Preparing Today for Tomorrow

📞 Jackie Higginbotham | 337-438-6040

Your credit. Your knowledge. Your financial future. 💙💰

09/04/2026

08/30/2026

RESET FOR THE NEW MONTH! 💰✨

A new month is more than a fresh page on the calendar—it’s a new opportunity to take control of your finances and make intentional choices.

Before you move forward, take a moment to:

📊 Review Your Finances – Look at last month’s income, expenses, and spending habits. Celebrate your wins and identify areas that need improvement.

🎯 Reset Your Goals – Revisit your short-term and long-term financial goals. Make adjustments so they continue to align with your priorities.

💵 Refresh Your Budget – Give your budget a fresh look and make sure your money has a purpose. Be intentional with every dollar.

💳 Reduce Your Debt – Create a realistic plan to pay down debt. Start with the smallest debt if that strategy helps you stay motivated and build momentum.

🏦 Build & Prepare – Add to your savings and strengthen your emergency fund. Even small amounts can make a difference over time.

NEW MONTH. NEW FOCUS. NEW FINANCIAL YOU!

Don’t wait for the perfect time to start making better financial decisions. Reset. Refocus. Reach your goals!

JLH FINANCIAL COACHING
Preparing today for tomorrow

📞 Call Jackie Higginbotham: 337-438-6040

08/27/2026

Stay Cool. Save More. ☀️💰

The summer heat can make your energy bill rise quickly, but small changes can make a BIG difference! 🌡️

Here are a few simple ways to conserve energy while keeping your home comfortable:

💡 Set your thermostat wisely—78°F or higher when possible.
🪟 Close blinds, curtains, and shades during the hottest part of the day.
🌀 Use ceiling fans to help you feel cooler without overworking your A/C.
💡 Switch to LED bulbs to use less energy and reduce heat.
🔌 Unplug electronics and chargers when they aren’t being used.

Remember: Small changes today can lead to big savings all year long!

At JLH Financial Coaching, we believe smart financial choices include finding ways to reduce everyday expenses and make your money work harder for you.

📞 Call Jackie Higginbotham at 337-438-6040

JLH FINANCIAL COACHING
Preparing today for tomorrow.

08/20/2026

Protect Your Credit. Protect Your Identity. 🔐💳

Your credit and personal information are valuable. Taking a few simple steps today can help protect your financial future tomorrow.

Here are some important ways to protect yourself:

🔹 Monitor Your Credit Regularly
Review your credit reports for unfamiliar accounts, inaccurate information, or suspicious activity.

🔹 Protect Your Personal Information
Avoid sharing your Social Security number, account numbers, passwords, or other sensitive information unless absolutely necessary.

🔹 Create Strong, Unique Passwords
Use different passwords for your financial accounts and consider using multi-factor authentication whenever available.

🔹 Be Careful With Emails, Texts & Links
Scammers may pretend to be banks, businesses, or government agencies. Don't click suspicious links or provide information through unexpected messages.

🔹 Watch Your Bank & Credit Card Accounts
Set up account alerts so you can quickly recognize unauthorized transactions or unusual activity.

🔹 Shred Important Documents
Properly dispose of documents containing financial or personal information instead of throwing them in the trash.

🔹 Consider a Credit Freeze
A credit freeze can help prevent someone from opening new credit accounts in your name without your knowledge.

🔹 Act Quickly If Something Looks Wrong
If you notice suspicious activity, don't ignore it. Take action immediately and contact the appropriate financial institution or credit bureau.

Remember: Protecting your credit isn't just about maintaining a good credit score—it's about protecting your identity, your finances, and your future.

JLH FINANCIAL COACHING
Preparing today for tomorrow.

📞 Call Jackie Higginbotham: 337-438-6040

08/12/2026

Hello, August! 🌿💜

A new month brings a new opportunity to refocus, reset, and move forward with purpose.

As we enter the final stretch of the year, take a moment to look at where you are financially and where you want to go. Whether your goal is to save more, reduce debt, improve your credit, build an emergency fund, or simply create a better financial plan, small steps today can create a stronger tomorrow.

✨ Don’t wait for the perfect time—start with the next right step.

Let August be the month you:
💰 Revisit your financial goals
📋 Review your budget and spending
🌱 Strengthen your savings
🎯 Create a plan for your future
❤️ Make financial decisions with confidence

Your future is created by what you do today, not tomorrow.

Let’s make August count!

📞 Jackie Higginbotham | 337-438-6040
JLH Financial Coaching
Empowering you to make confident financial decisions and build the legacy you deserve.