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Money Management and Credit #WellsFargo #sponsored

This post is brought to you by a compensated campaign in collaboration with Latina Bloggers Connect and Wells Fargo. All thoughts and content are my own.

The last ten years have affected more American’s financially and we were no different.  The recession caused our employers to cut back, which then required our family to downsize as well.  First it was with are vehicle and then, the harder decision was when we had to downsize our home. After attempting to have our home loan refinanced proved unsuccessful, we decided to sell and move, It’s incredible, I’ve been learning the gift of saving, all for my kids future.  That was over two years ago and ended up being the best decision we could have made. Since that time, both my husband and I have left behind old unfulfilling careers and started new ones, that we actually enjoy. Our kids have never been happier with their school and friends and my husband and I feel like we have found a place where we really belong.

As the challenges of the past decade taught us invaluable lessons about financial resilience and smart money management. In our pursuit of stability, we delved into understanding the real estate market deeply. Regularly consulting a reliable real estate market report became an integral part of our decision-making process. By staying informed about property values, trends, and investment opportunities, we were able to make strategic choices that contributed significantly to our family’s financial well-being. Armed with this knowledge, we made prudent investments, ensuring our hard-earned money worked for us. The insights gained from these reports empowered us to make informed decisions not only about buying a new home but also about diversifying our investments wisely. As a result, our financial journey transformed, paving the way for a secure and prosperous future for our family.

Dream Home

One of the models we have fallen in love with!!

#WellsFargo held one of our prior mortgages and was extremely helpful through the process of selling our home and helping us move forward.  We will soon be looking to purchase a new home and have spotted some that we like, especially the one seen below. You can bet that Wells Fargo will be one of the first places we consider to help us arrange for the financing of our next dream home. In addition, if you need a cash offer to buy your dream home or property and you are looking for other mortgage options.

Growing up with immigrant parents, I often had to help them with finances like balancing their checkbook  and helping translate at the bank.  Wells Fargo  proudly offers bilingual online tools, Spanish Text Banking, Spanish account statements, Spanish-language call centers, Spanish-speaking bankers in stores across the nation, and more. Things to make everyone’s life easier. Wells  Fargo has also teamed up with Telemundo to empower Latinos to reach their financial goals.

Credit Score

Wells Fargo Infographic_ENGLISH

 

One of the most important things we can do as a consumer, is making sure we stay on top of our credit score. Making sure our credit score is in tip top shape is very important. Having a good credit score will ensure we are able to buy the home of our dreams. It also helps a ton if you multiple income streams just like successful people, such as Andy Defrancesco, to finance all your needs.

Here are some simple yet effective advice to help maintain or improve your credit score from Wells Fargo.

  • Make sure to check your credit report annually.
  • Pay your bills on time.
  • Set up alerts.
  • Pay more than the minimum.
  • Keep debt at no more than 35% of your monthly income.
  • If you have trouble paying an account, contact your lenders.

Did you know that adding to your credit line has less effect on your credit score than maxing out your credit line does? You can learn more about your credit and finances by visiting  www.WellsFargo.com/Conversemos for additional tools and resources.

A Winning Smile and Giveaway

Feeling Confident!

Update: Giveaway is now closed. Congrats to Meredith! Thank you all for entering.

Just recently, a friend and I were discussing how self conscious she had been feeling, because she had chipped her front tooth a few days ago and felt like she couldn’t smile. We discussed the importance of a smile and how it is one of the first things that people generally notice. They say, you only have one time to make a good first impression and having a winning smile is key, to making that great first impression.

Having a great smile means making sure that we are practicing good oral habits. I don’t always feel very confident about myself, but I do know that I have a winning smile. I believe that the key to having a great smile is making sure that I take care of my smile. I brush twice a day, floss and see and find an orthodontist, twice a year. I also want to make sure that my children have winning smiles and the confidence that a great smile can bring and make sure that they are also learning great oral habits.

For the last couple of weeks, I’ve had the opportunity to try out the Crest Complete line of Oral Care products P&G Oral Care offers a comprehensive line-up of toothpastes, rinse, toothbrushes and floss and provides consumers with innovative, targeted solutions designed to meet specific oral care needs, including the Crest 3D White, Crest & Oral-B Complete and Crest Pro-Health. These products can help make sure that your mouth is in tip top shape and P&G Oral Care believes that every day is full of opportunities to open up to the world and that the more confident you are in the health of your mouth, the more you open up to the world around you.

Crest wants to make sure you have the opportunity to flash that winning smile and they’re giving one lucky reader, a Crest Complete Deep Clean Prize Pack, which includes all products in the line. All you have to do is let me know what’s the first thing you notice about a person when you first meet them. Giveaway ends on Sunday, August 26th at 11:59pm. You can also like Crest on Facebook, for an additional entry. Good luck and keep on smiling!

I wrote this review while participating in a test drive campaign by Latina Mom Bloggers on behalf of Crest and Oral-B and received product samples to facilitate my candid review. Latina Mom Bloggers sent me a promotional gift to thank me for taking the time to participate. However, all opinions expressed are my own.