NOT HELPFUL. STEPHANIE RUHL IS HERE TO HELP STEPHANIE RUHL IS HERE TO HELP US STAY FINANCIALLY HEALTHY. US STAY FINANCIALLY HEALTHY.>>I’M STEPHANIE RUHLE.>>I’M STEPHANIE RUHLE. THIS IS BETTER BUSINESS. THIS IS BETTER BUSINESS. DO YOU FEEL LIKE YOU CANNOT DO YOU FEEL LIKE YOU CANNOT CONTROL YOUR FINANCES? CONTROL YOUR FINANCES?>>DON’T WORRY.>>DON’T WORRY. WE HAVE GOT YOU COVERED. WE HAVE GOT YOU COVERED. WE ARE BRINGING YOU THE BEST WE ARE BRINGING YOU THE BEST TIPS TO MAKE SENSE OF IT ALL. TIPS TO MAKE SENSE OF IT ALL. THEST LAST THING MOST OF US WANT THEST LAST THING MOST OF US WANT TO DO DURING THE HOLIDAYS IS TO DO DURING THE HOLIDAYS IS THINK ABOUT OUR FINANCIAL THINK ABOUT OUR FINANCIAL HEALTH. HEALTH. BUT WE HAVE GOT TO. BUT WE HAVE GOT TO. YOU CAN TAKE STEPS RECEIPT NOW YOU CAN TAKE STEPS RECEIPT NOW INCLUDING BEING SMART WITH YOUR INCLUDING BEING SMART WITH YOUR HOLIDAY SHOPPING TO SET YOURSELF HOLIDAY SHOPPING TO SET YOURSELF UP FOR SUCCESS IN 2020. UP FOR SUCCESS IN 2020. IF YOU MISS A FEW SIMPLE MOVES IF YOU MISS A FEW SIMPLE MOVES TODAY YOU ARE GOING TO BE IN TODAY YOU ARE GOING TO BE IN GREAT OR MUCH BETTER SHAPE FOR GREAT OR MUCH BETTER SHAPE FOR THE NEW YEAR. THE NEW YEAR. FIRST I KNOW YOU DON’T WANT TO FIRST I KNOW YOU DON’T WANT TO DO IT LOOK IT UP. DO IT LOOK IT UP. CHECK YOUR CREDIT SCORE. CHECK YOUR CREDIT SCORE. THOSE THREE DIGITS CAN MEAN A THOSE THREE DIGITS CAN MEAN A WHOLE LOT TO A LOT OF PARTS OF WHOLE LOT TO A LOT OF PARTS OF YOUR LIFE. YOUR LIFE. HAVING A SCORE IN THE 700 RANGE HAVING A SCORE IN THE 700 RANGE IS IDEAL. IS IDEAL. I GET IT, NOT EVERYBODY IS THERE I GET IT, NOT EVERYBODY IS THERE YET. YET. BUT YOU CAN DO THINGS TO GET BUT YOU CAN DO THINGS TO GET CLOSER. CLOSER. YOU CAN IMPROVE YOUR TBS BY YOU CAN IMPROVE YOUR TBS BY PLAYING YOUR BILLS ON TIME EVERY PLAYING YOUR BILLS ON TIME EVERY TIME. TIME. SET UP AN AUTOMATIC MONTHLY SET UP AN AUTOMATIC MONTHLY DEBIT SO YOU NEVER MISS A DEBIT SO YOU NEVER MISS A PAYMENT. PAYMENT. AND DON’T FORGET TO CHECK YOUR AND DON’T FORGET TO CHECK YOUR CREDIT REPORT AND YOUR RATE TO CREDIT REPORT AND YOUR RATE TO LOOK FOR UNUSUAL ACTIVITY. LOOK FOR UNUSUAL ACTIVITY. IT IS COMMON THAT THERE ARE IT IS COMMON THAT THERE ARE MISTAKES ON YOUR REPORT. MISTAKES ON YOUR REPORT. DON’T TAKE IT AT FACE VALUE. DON’T TAKE IT AT FACE VALUE. DIG IN. DIG IN. THEY MIGHT BE WRONG AND YOU HAVE THEY MIGHT BE WRONG AND YOU HAVE GOT GET THAT NUMBER ONE. GOT GET THAT NUMBER ONE. NEXT, AGAIN, I KNOW YOU DON’T NEXT, AGAIN, I KNOW YOU DON’T WANT TO, BUT YOU NEED TO. WANT TO, BUT YOU NEED TO. ASSESS YOUR DEBT TO INCOME ASSESS YOUR DEBT TO INCOME RATIO. RATIO. ADD UP ALL OF YOUR MONTHLY ADD UP ALL OF YOUR MONTHLY PAYMENTS AND DIVIDE BY YOUR PAYMENTS AND DIVIDE BY YOUR MONTH EINCOME. MONTH EINCOME. THE MAGIC NUMBER IS 43%. THE MAGIC NUMBER IS 43%. THAT’S THE NUMBER BEFORE LENNERS THAT’S THE NUMBER BEFORE LENNERS TURN YOU AWAY. TURN YOU AWAY. PAY OFF YOUR DEBT WITH SAVINGS, PAY OFF YOUR DEBT WITH SAVINGS, OR INCREASE A CREDIT LINE TO TIP OR INCREASE A CREDIT LINE TO TIP THE SCALES IN YOUR FAVOR. THE SCALES IN YOUR FAVOR. HERE’S SOMETHING I AM TELLING HERE’S SOMETHING I AM TELLING YOU DON’T WANT TO DO BUT WILL YOU DON’T WANT TO DO BUT WILL MAKE THINGS DIFFERENT. MAKE THINGS DIFFERENT. PLAN FOR THE HOLIDAYS. PLAN FOR THE HOLIDAYS. PLAN NOW. PLAN NOW. BECAUSE YOU KNOW SPENDING GETS BECAUSE YOU KNOW SPENDING GETS OUT OF CONTROL IN DECEMBER. OUT OF CONTROL IN DECEMBER. ALMOST HALF OF ALL CREDIT CARD ALMOST HALF OF ALL CREDIT CARD HOLDERS ARE WILLING TO TAKE ON HOLDERS ARE WILLING TO TAKE ON MORE DEBT DURING THE HOLIDAY MORE DEBT DURING THE HOLIDAY SEASON. SEASON. BUT I AM SAYING YOU DON’T HAVE BUT I AM SAYING YOU DON’T HAVE TO. TO. MAKE A BUDGET FOR THE NEXT TWO MAKE A BUDGET FOR THE NEXT TWO MONTHS AHEAD AND DON’T FORGET TO MONTHS AHEAD AND DON’T FORGET TO ACCOUNT THAT THIS IS THE HOLIDAY ACCOUNT THAT THIS IS THE HOLIDAY SEASON AND THAT MEANS SEASON AND THAT MEANS INCIDENTALS GIVE UP. INCIDENTALS GIVE UP. CHARITABLE GIVING, PARTY GIFTS, CHARITABLE GIVING, PARTY GIFTS, RIDES HOME, AND THE THINGS YOU RIDES HOME, AND THE THINGS YOU ARE GOING TO BYE EVEN FOR ARE GOING TO BYE EVEN FOR YOURSELF WITH THE HOLIDAYS HERE. YOURSELF WITH THE HOLIDAYS HERE. IF YOU CAN PLAN NOW YOU CAN KEEP IF YOU CAN PLAN NOW YOU CAN KEEP THINGS UNDER CONTROL. THINGS UNDER CONTROL. I DON’T WANT YOU TO BE SCARED, I DON’T WANT YOU TO BE SCARED, SHOCKED IN JANUARY BECAUSE SHOCKED IN JANUARY BECAUSE THAT’S THE START OF THE YEAR. THAT’S THE START OF THE YEAR. THE LAST THING YOU CAN DO IS GET THE LAST THING YOU CAN DO IS GET AHEAD OF THE START. AHEAD OF THE START. PLAN YOUR BUDGET NOW. PLAN YOUR BUDGET NOW. LOOK AT YOUR EXPENSES AND START LOOK AT YOUR EXPENSES AND START MAKING CUTS. MAKING CUTS. DO YOU NEED AN EASY PLACE TO DO YOU NEED AN EASY PLACE TO START? START? LOOK AT YOUR SUBSCRIPTIONS RIGHT LOOK AT YOUR SUBSCRIPTIONS RIGHT NOW ON YOUR PHONE. NOW ON YOUR PHONE. THERE ARE THINGS DEFINITE OUT THERE ARE THINGS DEFINITE OUT OUT THERE YOU DON’T USE. OUT THERE YOU DON’T USE. THINK AHEAD AND PUT THAT MONEY THINK AHEAD AND PUT THAT MONEY AWAY AND SAVE IT FOR A RAINY AWAY AND SAVE IT FOR A RAINY DAY. DAY. THAT IS MY BETTER BUSINESS TIP THAT IS MY BETTER BUSINESS TIP FOR THE WEEK.