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Sharing the Shit No One tells you about Business, Money, & Everything in between
🚀 Freedom is the goal
FREE tips, tools & guides 👇🏾

Here are 3 easy ways to improve your credit:
⭐️Make A Payment On Your Credit Card Before Your Balance Is Reported To The Bureaus:
Remember, you always want to keep your credit utilization as low as possible but no higher than 30%.
Paying your credit card balance before it's reported to the bureaus means that a lower balance will be reported & that means your credit utilization will appear to be lower.
If you don't know when your balance is reported, you can call the lender/credit card company and ask.
⭐️Ask For A Raise On Your Credit Limit:
Increasing your credit limit helps to increase your overall credit utilization. Having a higher credit utilization means that your previous balances on your credit cards won't negatively affect you in the same way.
⛔️ WARNING ⛔️ Only try this trick if you have a good payment history. No lender is going to increase your limit if you aren't paying your bills. You don’t want them to review your account and see that you aren’t making payments and decide to decrease your limit.
⭐️Remove Negative Remarks & Dispute Errors:
Get your credit report and look for negative remarks or inaccurate items. Then contact the bureaus through dispute letters to see if you can get them removed.
#womenentrepreneurs #creditscores #credithelp #blackcommunity #blackwealth101 #blackfamily #generationalwealth #blackeconomics #blackbusinessowner #blackmoneymatters #blackwomen #blackwomenmatter #wealthymindset #blackdollars #generationalwealth #blackownedbusiness #blackwallstreet #theshitnoonetoldus #shitnoonetoldus #tsnotu

Keep pushing✊🏾 #debtfreecomunity #debtfreejo

Keep pushing✊🏾
#debtfreecomunity #debtfreejourney #debt #mindsetiseverything #mindsetmentor #blackwallstreet #blackloveexists #blackwealth101 #blackdollarsmatter #blackexcellence✊🏾 #blackgirls #blackmen #blackwomen #blackboys #blackboysrock #creditcard #crediteducation #TheShitNoOneToldUs #ShitNoOneToldUs #TSNOTU

An EIN is your Employer Identification Number. It

An EIN is your Employer Identification Number.
It's like your business' social security number.
The IRS uses this number to identify your business for tax and reporting purposes.
Who needs an EIN?
Corporations and partnerships will need to get an EIN.
Sole-proprietorships and single-member LLCs DO NOT have to get an EIN. However, even though they may not need an EIN, it still may be a good idea to go ahead and get one.
Why would you need an EIN?
👉🏾 Banking - to open a bank account in your business name
👉🏾 Finance - to try to obtain financing or working capital
👉🏾 Self-employed retirement plan - If you are trying to do a 401(k) as a self-employed person
👉🏾 Protection - Being able to open a business bank account and keeping your personal money & money from your business separate gives you protection from people who may try to sue you
👉🏾 Avoid identity theft: If you don’t have an EIN number, you will most likely have to use your social security number for your business
👉🏾 It’s FREE!!!
#stimmy #stimmycheck #stimuluscheck #blackdollars #generationalwealth #blackownedbusiness #blackwallstreet #positivemindset #entrepreneurship #motivation #blackentrepreneur #wealthbuilders #wealthbuilder #buyblack #blackbillionaires #blackeconomics #powernomics

Over here, we firmly believe that you can have a j

Over here, we firmly believe that you can have a job AND create wealth at the same time.
The idea is to not solely depend on your job as your only source of income.
If this pandemic has shown us anything, it's that these companies will look out for themselves 1st - so we gotta start doing the same.
Freedom comes from having multiple sources of income.
#solopreneur #businesswomen #blackbusinesswoman #blackbusinessman #businessman #businesstipsforsuccess #businesstipsandtricks #blackceo #9to5 #blackownedbusiness #entrepreneurship #TheShitNoOneToldUs #ShitNoOneToldUs #TSNOTU

We took a little break to work on our website. Hea

We took a little break to work on our website. Head on over and let us know what you think - link in bio.
#newwebsite #newwebsitelaunch #supportblackbusinesses ✊🏾 #supportblackbusiness #blackcommunity #blackwealth101 #blackfamily #generationalwealth #blackeconomics #creditrepair #blackbusinessowner #blackmoneymatters #generationalwealth #blackfinance #blackdollars #theshitnoonetoldus #shitnoonetoldus #tsnotu

Yes, it's a good idea to have a business bank acco

Yes, it's a good idea to have a business bank account.
If you operate as an LLC or corporation you are legally required to have a business bank account. Sole proprietorships and partnerships (not operating as a DBA) are not required to have business bank accounts, but it is still a good idea for them to have one.
🏦 A business bank account helps you separate your personal income from your business income, which helps keep your corporate veil intact. If someone was to sue you, they would have a harder time going after your personal money.
🏦 Taxes and accounting become easier.
🏦 You look more professional to customers because they can pay your business account and not your personal account.
Here's what you need to open one but keep in mind, every bank has its own requirements:
👉🏾Sole Proprietorship:
--SSN or EIN
--Business License
👉🏾LLC
--SSN or EIN
--Articles of Organization
👉🏾Corporations
--EIN
--Articles of Incorporation
#businessbanking #llc #soleproprietor #businessowner #blackbusinessowners #blackfamily #generationalwealth #blackeconomics #blackbusinessowner #blackownedbusiness #blackwallstreet #positivemindset #entrepreneurship #motivation #blackentrepreneur #blackmoneymatters #blackwealthmovement #wealthbuilding #blackceo #theshitnoonetoldus #shitnoonetoldus #tsnotu

While the exact number is unknown, the fact is, yo

While the exact number is unknown, the fact is, you have way more than just 3 credit scores. You could have a few DOZEN different credit scores floating out there and here's why 👇🏾
💳 Besides having credit scores from #experian, #transunion, and #equifax, you will also see credit scores from the two most popular credit scoring models - FICO & VantageScore. Not to mention that FICO & VantageScore have different versions. Right now FICO is rolling out FICO 9 and VantageScore is rolling out version 4 (VantageScore4) of their credit scoring model.
💳 You can have industry specific scores. FICO has separate scores for auto loans, mortgages, and credit cards.
💳 Lenders can use the information they get from FICO and VantageScore and create their own score.
#creditscores #credithelp #blackcommunity #blackwealth101 #blackfamily #generationalwealth #blackeconomics #blackbusinessowner #blackmoneymatters #blackwomen #blackwomenmatter #wealthymindset #womenentrepreneurs #blackdollars #generationalwealth #blackownedbusiness #blackwallstreet #theshitnoonetoldus #shitnoonetoldus #tsnotu

It's a new month! We always like to start off th

It's a new month!
We always like to start off the month with setting a few goals.
This month we're going to have our website up and ready for ya'll!
What goals are you setting for yourself or your business this month?
#mondaymotivation #mondaymood #mondayinspiration #mondaymorning #goalsetting #Lifegoals #businessgoals #blackculturematters #blackculture #blackjoy #positivemindset #blackdollars #blackdollarsmatter #blackownedbusiness #blackfinance #blackdollars #theshitnoonetoldus #shitnoonetoldus #tsnotu

FACTS❗️❗️😂 #womenentrepreneurs #credi

FACTS❗️❗️😂
#womenentrepreneurs #creditscores #blackcommunity #blackwealth101 #creditgoals #creditmatters #creditcards #blackbusinessowners #blackfamily #generationalwealth #blackeconomics #blackbusinessowner #blackmoneymatters #blackwealthmovement #wealthbuilding #blackceo #theshitnoonetoldus #shitnoonetoldus #tsnotu

Hard inquiries stay on your credit report for abou

Hard inquiries stay on your credit report for about 2 years.
This is why it's important to watch how many hard inquiries you are generating.
Remember, hard inquiries can negatively impact your credit score.
#positivemindset #blackdollars #blackdollarsmatter #blackownedbusiness #womenownedbusiness #blackmen #blackwomen #blackwomenmatter #wealthymindset #wealthylifestyle #wealthyminds #blackbusinesswomen #blackbusinessmen #theshitnoonetoldus #shitnoonetoldus #tsnotu

It's really easy to mess up your credit but it can

It's really easy to mess up your credit but it can take a lot of time and effort to build it back up. Be patient with yourself and your situation.
Take it one step at a time...
#positivemindset #blackdollars #blackdollarsmatter #blackownedbusiness #womenownedbusiness #blackmen #blackwomen #financialeducation #financialliteracy #mindsetiseverything #blackcommunity #blackwealth #blackfinance #blackdollars #credittips #creditcards #crediteducation #fixmycredit #wealthylifestyle #theshitnoonetoldus #shitnoonetoldus #tsnotu

Stop using your credit card to finance things you

Stop using your credit card to finance things you can't afford.
We're not saying don't use your credit card. What we're saying is, you should have a plan of action when you use your credit card.
If you can't pay off the balance of what you just purchased within 30-60 days, reconsider if you need to purchase it at all.
Do you really need that new pair of shoes or do you want that pair of shoes?
#blackexcellence✊🏾 #creditscores #credithelp #blackcommunity #blackwealth101 #creditgoals #joebiden #biden #bidenharris2020 #credit #creditrepair #blackwealth #generationalwealth #blackfinance #blackdollars #theshitnoonetoldus #shitnoonetoldus #tsnotu

Credit utilization looks at how much credit card d

Credit utilization looks at how much credit card debt you have. It's the ratio between how much of your credit limit you've used vs. your overall credit limit.
Credit Utilization accounts for a chunk of your Credit Score (FICO 30% and VantageScore 20%)
A good practice is to stay below 30% utilization. Lenders like to see that you aren't maxing out your credit cards. It shows that you are responsible with the credit that you've been extended. Which shows that you would be less likely to abuse the credit that they give you.
Having a higher utilization ratio will negatively impact your credit score. So, pay attention to your credit card balances!
#ficoscore #fico #credit #creditrestoration #debt #debtfredd #creditutilization #creditispower #blackpride #blackdollasmatter #blackwealth #blackprofessionals #blackentrepreneur #blackwomenwhowork #blackmen #wealthbuilder #wealthylifestyle #TheShitNoOneToldUs #ShitNoOneToldUs

Starting is half the battle 💪🏾 #nas #hiphop

Starting is half the battle 💪🏾
#nas #hiphopculture #rapper #rapperedit #fortheculture #fortheculture✊🏾 #blackculturematters #blackculture #blackjoy #blackhistoryeveryday #blackexcellence #generationalwealth #blackeconomics #blackbusinessowner #blackmoneymatters #blackwealthmovement #wealthbuilding #blackceo #theshitnoonetoldus #shitnoonetoldus #tsnotu

HARD INQUIRIES 👉🏾An in-depth look at your c

HARD INQUIRIES
👉🏾An in-depth look at your credit history
👉🏾When a lender checks your credit report and score to determine if they will extend credit to you
👉🏾Becomes part of your credit history
👉🏾Too many hard inquiries within a short amount of time can negatively impact your credit score
👉🏾Requires your approval
👉🏾Ex. of hard inquries - credit cards and mortgages
SOFT INQURIES
👉🏾A overall glance or general review of your credit history
👉🏾DOES NOT become a part of your credit hisory
👉🏾DOES NOT affect your credit score
👉🏾DOES NOT require your approval
👉🏾Ex. of soft inquiries - employers, insurance companies, credit card companies when they are doing their pre-approval
Did you know the difference between a hard and soft inquiry?
#womenentrepreneurs #creditscores #creditgoals #creditmatters #creditcards #experian #equifax #transunion #blackbusinessowners #fico #ficoscore #blackfamily #generationalwealth #blackeconomics #blackbusinessowner #blackmoneymatters #blackwealthmovement #wealthbuilding #blackwealth #generationalwealth #blackfinance #blackceo #theshitnoonetoldus #shitnoonetoldus #tsnotu

The IRS is letting you write off 100% of your food

The IRS is letting you write off 100% of your food and beverage expenses for the next 2 years. 😱
Beginning January 1, 2021 - December 31, 2022, businesses can claim 100% of their food or beverage expenses paid to restaurants as long as the business owner (or an employee of the business) is present when food or beverages are provided and the expense is not lavish or extravagant under the circumstances.
REMEMBER:
👉🏾This does not apply to entertainment expenses - only meals & beverages
👉🏾Must be at a restaurant
👉🏾You or an employee of the business must be present
👉🏾Must NOT be "lavish" (the IRS doesn't provide any guidance on what is lavish. So use your best judgement)
👉🏾You must be conducting or talking about business
👉🏾Keep a copy of your receipt
#taxes #tax #taxseason #taxreturn #blackwallstreet #blackpower #blackmoneymatters #beyourownboss #startyourbusiness #businesstips #businesstip #businesstip101 #entrepreneurmindsets #mindsetiseverything #blackdollarsmatter #blackownedbusiness #entrepreneurship #TheShitNoOneToldUs #ShitNoOneToldUs #TSNOTU

I don't know who needs to hear this but.... #mond

I don't know who needs to hear this but....
#mondaymotivations #fortheculture #fortheculture✊🏾 #supportblackbusiness #blackfamily #generationalwealth #blackeconomics #blackbusinessowner #blackmoneymatters #supportblackbusinesses✊🏾 #blackeconomics #blackmen #blackculturematters #blackculture #blackjoy #blackwomen #blackhistoryeveryday #blackwomenmatter #wealthymindset #TheShitNoOneToldUs #ShitNoOneToldUs

The term "good" is different depending on which cr

The term "good" is different depending on which credit scoring model is being used.
Most creditors want you to be at least in the "good" category for credit rating before they will extend you credit.
While having a "good" credit score may help you get approved for credit, you may end up paying higher percentage fees (which means that you're going to pay more money in the long haul).
#womenentrepreneurs #creditscores #creditgoals #creditmatters #creditcards #vantagescore #experian #equifax #transunion #blackbusinessowners #fico #ficoscore #blackwallstreet #blackwealth101 #blackexcellence✊🏾 #blackgirls #blackmen #blackwomen #blackboys #blackfamily #generationalwealth #blackeconomics #blackbusinessowner #blackmoneymatters #blackwealthmovement #wealthbuilding #blackceo #theshitnoonetoldus #shitnoonetoldus #tsnotu

No words can explain what it's like to be Black in

No words can explain what it's like to be Black in America....
"People who treat other people as less than human must not be surprised when the bread they have cast on the waters comes floating back to them, poisoned." James Baldwin
#Blacklivesmatter #takeaction #silenceisviolence #reachout #dosomething #changeisnecessary #GeorgeFloyd #AhmaudArbery #BreonnaTaylor #dauntewright #tonameafew #Ilovemyblacknessandyours #Blackmentalhealth #youmatter #yourmentalhealthmatters #fortheculture #fortheculture✊🏾 #blackculturematters #blackculture #blackhistoryeveryday #blackexcellence

Improving your personal credit score can help you

Improving your personal credit score can help you and your business.⁠
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When you first start your business, it's like a baby - everything's new - including its credit.⁠
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Depending on what type of credit you're trying to get for your business, lenders are going to look to your personal credit history and score to determine if they are going to extend credit to your business.⁠
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#womenentrepreneurs #creditscores #creditgoals #creditmatters #creditcards #experian #equifax #transunion #blackbusinessowners #businesscredit #fico #ficoscore #blackfamily #generationalwealth #blackeconomics #blackbusinessowner #blackmoneymatters #blackwealthmovement #wealthbuilding #blackceo #theshitnoonetoldus #shitnoonetoldus #tsnotu

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