Carlos The Financial Coach

Carlos The Financial Coach We teach people how money works so they can make informed decisions about how to take control of their finances.

Life is too short and tomorrow isn’t promised. We can’t take for granted that we woke up today and blessed with an oppor...
12/15/2022

Life is too short and tomorrow isn’t promised. We can’t take for granted that we woke up today and blessed with an opportunity many did not receive. We were given another chance to live, love, forgive, grow, teach, learn, etc. Have the courage to leave your comfort zone in every area. Whether it’s your relationships with family, friends or God. Or maybe it’s your health, career or forgiving others or even forgiving yourself. Whatever it is you’re struggling with, have the courage to fight another day.
Tell the people you love that YOU LOVE THEM and don’t forget to love yourself too. Have an attitude of gratitude and I promise you that life will start getting better. Take those calculated risks and get out of your comfort zone. Nothing and nobody grows in comfort…

⚠️⚠️ ‼️WARNING‼️ ⚠️⚠️ Coinbase announced this themselves! Share and or tag your friends and family that are using the Co...
05/12/2022

⚠️⚠️ ‼️WARNING‼️ ⚠️⚠️ Coinbase announced this themselves! Share and or tag your friends and family that are using the Coinbase crypto wallet because they can be in jeopardy of losing all of their funds.

03/22/2022

🚨🚨🚨B I G N E W S🚨🚨🚨

BILLIONS OF DOLLARS OF MEDICAL DEBT WILL BE REMOVED FROM CREDIT REPORTS
The credit bureaus announced changes to these medical collection accounts just a few
weeks after the Consumer Financial Protection Bureau said it scrutinized the the way the
bureaus treated medical debt and would possibly ban them from reporting it at all.
Your credit scores could see a potential point increase with these changes but it wouldn't affect people that have unpaid medical collections over $500.
Regardless, this is a big win for the people because I believe medical collections shouldn't affect your personal credit at all.
If I’m currently helping you remove medical collections off of your credit report, yours will just come off faster 😎.

If you search the Internet, you’ll find numerous personal finance tips available. So why is this post any different?Well...
01/07/2022

If you search the Internet, you’ll find numerous personal finance tips available. So why is this post any different?
Well, for one this is a collection of the very best ones that beginners really need to know. I’ve seen posts with like 75+ tips and I’ve seen articles with just a handful of very general tips.
I’m not knocking any other posts, articles or tips, but I like how these fit all beginners that want to learn about finances.

Credit scores range from 300 (poor) to 850 (excellent). Higher scores illustrate consistently good credit histories, inc...
11/02/2021

Credit scores range from 300 (poor) to 850 (excellent). Higher scores illustrate consistently good credit histories, including on-time payments, low credit use and long credit history. Lower scores indicate borrowers may be risky investments because of late payments or overextended use of credit.
There are no exact cutoffs for good scores or bad scores, but there are guidelines for each. Most lenders view scores above 720 as ideal and scores below 630 as problematic.

The FICO credit score is used by 90% of the businesses in the U.S. to determine how much credit to offer a consumer and what interest rate to charge them for that credit. DM to start your credit rebuilding & restoration program.

Your credit card statement comes with a due date, just like any other bill. But you can pay your bill early, and unlike ...
10/26/2021

Your credit card statement comes with a due date, just like any other bill. But you can pay your bill early, and unlike with your Netflix subscription, your electric bill or your rent, paying your credit card bill before the due date has benefits beyond the peace of mind that comes with not having to deal with it for another month.
Paying your credit card bill early can save you money, boost your credit score and give you flexibility in your budget.

Quick tip on this lovely “Credit Tip Tuesday”: Before I started to educate myself, it would ALMOST be logical to think t...
10/19/2021

Quick tip on this lovely “Credit Tip Tuesday”: Before I started to educate myself, it would ALMOST be logical to think that if I paid off my credit card and closed it, that in turn my credit score would go up 🤦🏻‍♂️. I’ve worked with young professionals who are making six figures but are drowning in credit card debt. I’ve also worked with clients who are earning a very modest salary yet have a fully stocked emergency fund, are debt-free and are investing for retirement and other goals. America has a major financial literacy problem, but I can help.
We don’t know what we don’t know, and that’s OK! DM me for a complimentary financial analysis and get educated on how to take control of your financial situation.

Quick credit tip! If you need assistance improving your credit and start your journey to financial enlightenment send m...
10/13/2021

Quick credit tip! If you need assistance improving your credit and start your journey to financial enlightenment send me a DM!

Helping a client get out of debt within a year instead of 3.5 years all while coaching her to get on track to purchase h...
10/11/2021

Helping a client get out of debt within a year instead of 3.5 years all while coaching her to get on track to purchase her 1st multi-family property in the very near future. It’s all a wish if you don’t have a plan!
What are you waiting for? When will be the time for you to get your finances on track? DM me for a complimentary financial consultation.

Another client I’m assisting and educating to improve his credit score. He’s gone up about 80+ points since he started w...
10/05/2021

Another client I’m assisting and educating to improve his credit score. He’s gone up about 80+ points since he started working with me in July!
There’s easy steps follow if you allow me to coach & guide you! Good credit is needed for SO MANY things, so you can’t afford to have bad credit. DM me for FREE consultation!

TOP 5 REASONS WHY LIFE INSURANCE IS IMPORTANT:1. It Can Help to Financially Protect Your Family2. It Can Replace Lost In...
10/05/2021

TOP 5 REASONS WHY LIFE INSURANCE IS IMPORTANT:

1. It Can Help to Financially Protect Your Family
2. It Can Replace Lost Income
3. It Can Help Your Loved Ones Pay Off Debt
4. It Can Cover Funeral Expenses
5. It Can Help to Pay for Future Education Expenses
Understanding life insurance and how much coverage you may need can help when making long-term financial plans. Making plans to help support your family's financial stability in the event that you pass could help to mitigate the stress and burden of an already difficult time. Depending on your financial goals and needs, life insurance could be an important part of this plan. For more information, feel free to DM me.
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Sometimes we need to be reminded. There are days I wake up not wanting to do anything at all. Whether it’s mental or phy...
09/07/2021

Sometimes we need to be reminded. There are days I wake up not wanting to do anything at all. Whether it’s mental or physical reasons. This is why it’s important to have people in your life that can mentor you, hold you accountable or just be able to talk to.
Find some good people and keep them around to remind you when you don’t feel like you can push forward. Hoping all my family and friends affected by the flooding are better today than they were yesterday 🙏🏼

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147 Main Street
Lodi, NJ
07644

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+18622151317

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