Financial Fitness

What Clients Say...

"In less than a year, I had eliminated my credit card debt and had all accounts back in good standing."

"It won’t happen overnight, but the end result makes you feel much better about yourself."

"My credit score is right back where I want it to be."

"Our goal is to buy a house in a few months. Joanna helped us straighten out unpaid past medical bills and helped us establish new credit."

"Joanna made it her personal mission to help me buy my business."

"Not only was she able to settle the debt for about a quarter of what was outstanding, she did it in one week!"

Financial Fitness

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Secrets To Helping You Get The Job You Want

With the current job market so tight, it’s imperative that you do everything that you can to make your abilities stand out to the prospective employer. There are three groups of people that prospective employers do not want to hire: those who cannot learn the job, those that will not do the work and those who are not cooperative. Your goal as a candidate for employment is to show the interviewer that you are not one of “those” people.

Creating a Workable Budget

The cost of living has risen drastically over the past few months and many are struggling because of it. With the price of gas at $4.00+/- a gallon, even the thought of just paying to get to work overwhelms some people. Now more than ever, people need to think about creating a budget for their home expenses. ...

Adjustable Rate Mortgages—

The Good, The Bad and The Ugly

Adjustable Rate Mortgages (referred to as ARMs) are loans with interest rates that change. Most ARMs start with lower monthly payments than Fixed Rate Mortgages because their interest rates are usually lower. But, before you go and jump into an ARM product, there are some serious considerations that you need to think about. Here are just a few:

Tips to Help You

Survive These Tough Economic Times

Every household and individual is feeling some sort of strain from the current economic situation, even those that are good with money. The loss of a job or a cut in pay to keep a job are both real events happening all around us. How are we to make “ends meet” with money so tight and not negatively impact our credit? ...