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      • WISE Financial Fitness
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    Category: Credit & Debt

    Should I Save, Invest, or Pay Off Debt?

    One of the most common questions in personal finance is whether to save, invest, or pay off debt. Each of these actions has its own…

    Dr. Maria James May 14, 2025
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    3 Key Things to Do About the Latest Social Security Breach

    Your social security number may have been leaked during the massive data breach of the National Public Data company. They conduct background checks. Your contact…

    Dr. Maria James August 23, 2024
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    Best Way to Pay Off Credit Card Debt and Other Loans

    The average adult in the U.S. has credit card debt and multiple other types of loans, yet are unaware of how they truly work and…

    Dr. Maria James July 8, 2024
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    Sizzling Summer Fun: Low-Cost Entertainment Ideas for Friends and Family

    When summer arrives, it’s the perfect time to make lasting memories with friends and family. While the idea of summer fun may conjure up images…

    Dr. Maria James July 17, 2023
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    7 Mistakes to Avoid while Eliminating Your Debt

    Paying off your debts would be the best option if you are ready to devote yourself to it and make the required sacrifices. Eliminating debt…

    Guest Contributor August 5, 2022
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    POM065: Maximize Credit Card Rewards & Travel For Less with Lee Huffman

      After over a year of quarantine and as countries and places start to welcome more visitors, you may be starting to plan trips. You…

    Dr. Maria James March 23, 2021
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    POM063: 8 Tax Tips to Better Your Business and Personal Finances with Atiya Brown

      In this episode Atiya Brown, The Savvy Accountant shares: the most common mistake new entrepreneurs make with finances what documents entrepreneurs should track for…

    Dr. Maria James February 16, 2021
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    POM060: How to Pay Off Six Figures of Debt as a Couple with Bevin Morgan

    Listen and subscribe: iTunes, Stitcher, Spotify Bevin Morgan is a financial wellness coach providing community and accountability to Black women who are ready to step into financial confidence…

    Dr. Maria James January 19, 2021
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    Overcoming Budgeting and Saving Challenges with the W.I.S.E. Budget Box

    Financial success is two-pronged. You need to know what to do and then you have to do it. One, learn and two, take action. You’ve…

    Dr. Maria James November 28, 2020
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    Credit Scores: What Are the Factors That Can Hurt It?

    Image Credit: @rupixen via Unsplash We all should aspire for a good credit score. As discussed previously, you want it at 720 and above and…

    Guest Contributor April 7, 2020
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    • 5 Steps to Save Money Fast on a Low Income
      Saving money fast on a low income is a challenging yet achievable goal. By implementing strategic financial practices, you can take control of your finances and build a more secure future.  I saved $10,000 while earning $23,000. I’m going to walk you through the five steps that will allow you to do it too. We’re…
    • Which Health Plan Should I Pick for Next Year and Should I Use an HSA or FSA?
      It’s time to make a decision about your health insurance plan. Open enrollment is coming up and you have to decide if you’re going to stick with your current plan or pick a new one. There are a lot of things to take into consideration.  Choosing a health insurance plan can feel overwhelming. Premiums, deductibles,…
    • 3 Step Mid-Year Money Check-In: How to Measure Your Progress and Adjust Your Goals
      Have you checked-in on your money? As summer winds down and quarter three kicks into gear, it’s the perfect time to pause and take stock of your finances.  A mid-year financial check-in can help you course-correct, celebrate wins, and align your current efforts with your long-term goals. Whether that’s retiring early, buying a home, funding…
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