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Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Gary B.
66 episodes
3 weeks ago
Debt Collection Agencies to work under stricter rules from April 1 Debt collection agencies need to stick to much more stringent rules from April that are meant to ensure that there are fewer debt issues, according to the Inspection of Justice and Safety. For example, a new law will ban debt collection agencies from putting people under pressure. The agencies are also required to register in a public register. Existing companies have a year to sign up for the register, and new companies must ...
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Self-Improvement
Education,
How To,
Health & Fitness,
Mental Health
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Debt Collection Agencies to work under stricter rules from April 1 Debt collection agencies need to stick to much more stringent rules from April that are meant to ensure that there are fewer debt issues, according to the Inspection of Justice and Safety. For example, a new law will ban debt collection agencies from putting people under pressure. The agencies are also required to register in a public register. Existing companies have a year to sign up for the register, and new companies must ...
Show more...
Self-Improvement
Education,
How To,
Health & Fitness,
Mental Health
Episodes (20/66)
Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Ep: 8 New Rules for Debt Collection Agencies
Debt Collection Agencies to work under stricter rules from April 1 Debt collection agencies need to stick to much more stringent rules from April that are meant to ensure that there are fewer debt issues, according to the Inspection of Justice and Safety. For example, a new law will ban debt collection agencies from putting people under pressure. The agencies are also required to register in a public register. Existing companies have a year to sign up for the register, and new companies must ...
Show more...
1 year ago
4 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Financial Horizons: Mapping Your Financial Future
Embark on a journey of financial empowerment with our comprehensive guide, "Wealth Horizons." This program is designed to help you articulate, plan, and achieve your financial goals, whether you're saving for a dream home, planning for education, or securing a comfortable retirement. Discover the strategic roadmap to financial success and cultivate a mindset that turns aspirations into tangible achievements. Take control of your financial destiny and set sail towards a prosperous future with ...
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1 year ago
9 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Credit Chronicles: Personal Statement
Experian credit reports as well as those from lesser-known credit bureaus may also contain a “Personal Statement” section, which allows you to explain any derogatory information contained in your file. This will likely have little or no impact on your overall credit standing or the decisions made by creditors and lenders, but it can’t hurt to provide a rationale. Support the show Pass this podcast along to anyone you think may need to hear my words. Try not to be a gate keeper. Thanks ...
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1 year ago
6 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Credit Chronicles: Public Records
There are three main types of public records that can be included in credit reports. Each has a detrimental impact on your credit standing and may remain for up to 10 years. Bankruptcies: Chapter 7, 11, and 13 bankruptcies can be listed on your credit reports. The length of time they will remain there and the damage done to your credit standing depends on the type of bankruptcy in question and whether or not you adhere to the terms of the bankruptcy. But other than that, “th...
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1 year ago
7 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Credit Chronicles: Unlocking Credit Inquiries
An inquiry is recorded whenever your credit report is “pulled” (i.e. viewed) by another party, such as a lender, credit card company, service provider, landlord, or insurer. Credit inquiries remain on your credit report for up to 2 years, and each can temporarily result in a slight dip in your overall credit standing. If you wish, you can opt out from allowing companies to look at your credit report without your permission. This will simply remove your name and contact information from...
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1 year ago
5 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Credit Chronicles: Decoding Your Credit History
"Join me on 'Credit Chronicles' as I unravel the fascinating tale told by your credit history. In this segment, I break down the key elements, from payment timelines to credit utilization, providing a clear understanding of how your financial past shapes your present and future. Explore the nuances of closed accounts, public records, and inquiries, gaining insights that empower you to navigate the world of credit with confidence. Whether you're a financial novice or a seasoned pro, 'Credit Ch...
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1 year ago
8 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Credit Chronicles: Unlocking the Power of Personal Information
In the intricate world of personal finance, your credit report serves as a crucial document that wields significant influence over various aspects of your financial life. Join us on "Credit Chronicles" as we delve into the importance of personal information within your credit report. This podcast aims to demystify the complexities surrounding credit reports, shedding light on why these seemingly mundane details play a pivotal role in shaping your financial destiny. From loan approvals to inte...
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1 year ago
9 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Money & Relationships
Slogan: Stop Chasing a Credit Score! Build your Credit Profile. Welcome to Mentally financial with Gary B. AkA Uncle G "Money & Relationships Feb 14, 2024" I'm glad you are taking the time to take your finances serious. On my show I talk about things that a real life money struggles. I don't bite my tongue I tell you what I went thru to get to financial relaxation. Here are the topic talked about on this episode: 1. Building a Solid Financial Base 2. Budgeting as a Couple 3. S...
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1 year ago
13 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
What Is Debt Consolidation, and Should I Consolidate?
Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “What's the best way to pay off debt?" What Is Debt Consolidation, and Should I Consolidate? part 2” September 10, 2023, Episode 10 What’s up Fam. Today I wanted to talk about What's the best way to pay off debt part 2. Let’s talk about ways to pay your debt off so, you can really start to relax and do things that you really would like to do. In this episode I talked about: What I...
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2 years ago
6 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
What's the best way to pay off debt"
Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “What's the best way to pay off debt" part 1” September 3, 2023, Episode 9 What’s up Fam. Today I wanted to talk about What's the best way to pay off debt? Let’s talk about ways to pay your debt off so, you can really start to relax and do things that you really would like to do. (Friendly Reminder: A proper budget can help you plan your monthly spending). Friendly Reminder 2: I woul...
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2 years ago
7 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
The 850 Credit Score! Now what?
Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “The 850 Credit Score! Now what? ” August 27, 2023, Episode 8 What’s up Fam. Today I wanted to talk about “The 850 Credit Score! Now what? ” A 850 credit score is great to have, but it's not the end of the world if you don't get it. Let's start building a great credit profile. That is what helps you get the things you want in life. This doesn't happen over night. So, let's start with your goals...
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2 years ago
5 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
What is Debt? & How to handle it!
Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “What is Debt? & How to Handle it .” August 20, 2023, Episode 7 What’s up Fam. Today I wanted to talk about “What is Debt? & How to Handle it" in this episode I will be telling you what debt is. Plus I will talk about how to handle a Collection Account. I would say for beginners start with one check, and one savings account but consider increasing that number as your financ...
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2 years ago
8 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
How a proper budget can power your financial independence for beginners
Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “How a proper budget can power your financial independence.” August 13, 2023, Episode 6 What’s up Fam. Today I wanted to talk about “How a proper budget can power your financial independence.” Let’s talk about financial independence. A proper budget can help you plan your monthly spending. It can keep you on top of your monthly payment due dates. I would say for beginners star...
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2 years ago
8 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
How to Choose The Right Budget System For Beginners
Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “How to Choose The Right Budget for Beginner.” August 6, 2023, Episode 5 What’s up Fam. Today I wanted to talk about “ How to Choose The Right Budget for Beginner.” The best system for you depends on what you’re trying to do — curb spending, pay down debt, build savings or something else. Choosing the right budget can take you along way. For Beginners: Bugdeting: I recommend the 50/30/20 Bu...
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2 years ago
9 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Budget Calendar: What It Is and Why It Matters for Beginner.
Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “Budget Calendar: What It Is and Why It Matters for Beginner.” July 30, 2023, Episode 4 What’s up Fam. Today I wanted to talk about “Budget Calendar: What It Is and Why It Matters for Beginner” Let’s talk about can a budget calendar help you plan your monthly spending? Can it keep you on top of your monthly payment due dates? I would say for beginners start with one check, and one savings ...
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2 years ago
6 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
“How to Budget Your Money for Beginners”
Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “How to Budget Your Money for Beginners” July 23, 2023, Episode 3 What’s up Fam. Today I wanted to talk about “How to Budget Your Money for Beginners” Let’s talk about budgeting your money and why we need to do it. I know some people don’t like to budget because it feels like you can’t do want you want with your money. But being broke is not fun or not having money when you need it could be eve...
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2 years ago
10 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
“How Many Banking Accounts Should I Have? for Beginners”
Mentally Financial Season 4: Real Life Budgeting & Money Management Show Topic: “How Many Banking Accounts Should I Have? for Beginners” July 16, 2023 Episode 2 What’s up Fam. Today I wanted to talk about “How Many Banking Accounts Should I Have? for Beginners” Let’s talk about Checking and saving accounts Why do we need them. I know some people don’t like banks. Some banks are doing crazy things when it comes to their customer accounts. But we aren’t going to talk abou...
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2 years ago
10 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Realistic Budgeting for Beginners
Mentally Financial Season 4: Real Life Budgeting & Money Management for Beginners Show Topic: “Realistic Budgeting for Beginners“ July 9, 2023 What’s up Fam. Today I want to talk about “Realistic Budgeting for Beginners“ I have struggled before myself. So, I know what it means to be on a tight budget. So, in this episode I want to talk real with you. You have got to start looking within yourself if you want your future to be better. No one owes you anything. You must do...
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2 years ago
9 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
"Emergency Fund: What It Is and Why It Matters"
Mentally Financial Season 3: Money Management & Financial Stress Bonus Ep Season Ender Show Topic: " Emergency Fund: What It Is and Why It Matters." What’s up Fam. Today I wanted to talk about " Emergency Fund: What It Is and Why It Matters for Beginners " April 9, 2023. I know we all have hard times. I’m no different. I have struggled before. So, I know what it means to be on a tight budget. So, in this in this episode I want to talk real with you. You have got to start looking...
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2 years ago
9 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
6 Ways to Set Financial Boundaries for Beginners
Mentally Financial Season 3: Money Management & Financial Stress Show Topic: " 6 Ways to Set Financial Boundaries for Beginners" Ep12 Apr 2, 2023. What’s up Fam. Today I wanted to talk about " 6 ways to Set Financial Boundaries for Beginners" I know we all have hard times. I’m no different. I have struggled before. So, I know what it means to be on a tight budget. So, in this in this episode I want to talk real with you. You have got to start looking within yourse...
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2 years ago
8 minutes

Mentally Financial with Gary B.: Real Talk, Real Struggles, Real Solutions
Debt Collection Agencies to work under stricter rules from April 1 Debt collection agencies need to stick to much more stringent rules from April that are meant to ensure that there are fewer debt issues, according to the Inspection of Justice and Safety. For example, a new law will ban debt collection agencies from putting people under pressure. The agencies are also required to register in a public register. Existing companies have a year to sign up for the register, and new companies must ...