Your Credit Today

As we approach a new year, it’s easy to get caught up in traditional goal-setting—but what if there’s a better way? In this episode of Your Credit Today, Angela Setters Bessard challenges you to rethink your approach by focusing on financial intentions rather than rigid goals. Intentions tap into your deeper “why,” keeping you motivated and inspired—even when life throws curveballs.What You’ll Learn:Intentions vs. Goals: Discover why setting financial intentions is more effective than traditional goal-setting. Learn how to connect your financial vision to what matters most to you.Vision-Building Exercises: Write a letter from your “future self” in 2025, describing your financial success, and reverse-engineer the steps needed to get there.Intentional Debt & Savings Plans: Find out how shifting your mindset can make paying down debt or saving money feel purposeful and rewarding.Monthly ‘Intention Check’: Stay on track with monthly check-ins that help you adjust your financial actions while keeping your long-term vision in focus.Key Takeaways:Your financial journey is more than a list of goals—it’s about becoming the person you envision.By leading with intention, you’ll build a financial future rooted in meaning, not just metrics.Angela’s coaching can help you create a personalized financial plan aligned with your unique values and vision.Listen Now and take the first step toward creating a financial life that inspires you in 2025!Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence

As 2024 comes to a close, Angela Setters Bessard takes a deep dive into the emotional side of money, uncovering how past experiences, fears, and financial trauma influence our financial behaviors today. In this episode, Angela shares actionable tips and powerful insights to help you shift your mindset around money and credit, empowering you to start the new year with confidence and financial clarity. Don't miss this opportunity to take control of your financial future!The Emotional Side of Money: Angela delves into how past financial struggles and emotional trauma can shape current financial behaviors. She explores how many people associate money with fear and anxiety, stemming from experiences of financial hardship or even generational patterns.Recognizing and Changing Financial Patterns: Angela highlights common financial habits, like avoidance of budgeting, fear of tracking expenses, and overspending, showing how to recognize and break these patterns. She emphasizes practical tools, like tracking expenses visually (even on a whiteboard), to help individuals become more conscious of their spending.Building Financial Confidence Through Mindset Shifts: Angela provides strategies for reframing financial setbacks as growth opportunities, teaching listeners to view their financial journey as one of empowerment. By setting small, achievable goals, she encourages her audience to rebuild confidence step-by-step.Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/

In this episode, Angela Setters Bessard reveals how mastering credit wellness can be a game-changer for achieving financial freedom. She shares key insights and practical steps to empower listeners to take control of their credit health.Breakdown of credit score components: debt-to-credit ratio, payment history, and credit mix.Common credit pitfalls to avoid, like maxing out cards and missing payments.Proactive tips for managing and improving your credit score.Long-term benefits of strong credit health for personal and financial goals.Encouragement to view credit as a powerful asset for financial security.Gain the knowledge to confidently use credit as a tool to reach your financial goals!If you're looking for a speaker to bring Creducation to your organization, don't hesitate to get in touch! I'm here to help you take charge of your credit journey and make empowered choices for a secure financial future.Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/

In this episode, Angela Setters Bessard offers invaluable advice on managing finances during the holiday season without sacrificing joy or peace. She shares practical tips to help listeners stay financially grounded while creating meaningful holiday experiences.Setting holiday spending goals: The importance of planning ahead to avoid last-minute financial stress.Embracing mindful gift-giving: How creative, heartfelt gifts can reduce spending while bringing deeper meaning.Avoiding impulse buys: Tips for resisting holiday sales and setting spending boundaries.Post-holiday recovery strategies: How to plan for financial recovery in the new year, including budgeting tips and debt management.Angela’s encouragement to make the holiday season financially fulfilling without overspending.Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!https://angelabessard.com/contact/https://www.instagram.com/realcreditqueen/https://www.linkedin.com/in/angela-setters-bessard/

Angela Setters-Bessard, The Real Credit Queen, dives deep into equipping teens with financial literacy. Learn strategies to teach your kids about bank accounts, managing credit, and avoiding debt pitfalls. Discover the benefits of authorized user status, secured and student credit cards, and the pros and cons of co-signing. Angela also shares practical tips on paying bills on time and using credit responsibly. This episode is filled with actionable advice to set your kids up for a successful financial future. Don't miss her expert insights!Timestamp Summary1:00 Teaching Teens Financial Literacy and Credit Management4:00 Bank Accounts and Credit Cards7:00 Teaching Financial Literacy to Prepare Kids for the Real World9:00 Building Credit Through Authorized User Status and Responsible Practices12:00 Empowering Teens with Credit Responsibility15:00 Financial Literacy with Credit Cards18:00 Debt and Credit Card Misconceptions19:00 Benefits of Co-Signing for Loans22:00 Responsibility24:00 Teaching Financial Literacy to Future GenerationsThank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

The Real Credit Queen, Angela Setters-Bessard leaves out no details this week on why it's so crucial to understand credit and budgeting when you’re up for a big purchase like a car.This episode isn’t just about credit scores. Angela covers the whole picture of financial prep, the traps to avoid, and some smart budgeting hacks. She chats about key things like how your credit score affects car loan interest rates, why you might need gap insurance, and the sneaky fees that can come with car servicing and insurance.Angela uses real-life client stories and examples to drive home the need for solid financial planning. From explaining why the 70/30 debt ratio matters to warning about potential pitfalls like insurance lapses and lease return fees, she’s got practical tips and actionable advice. Angela’s mission? Simple: to guide you in making choices that will keep your credit and financial future safe.1:00 Essential Tips for Leasing or Purchasing a Car3:00 Budgeting and Credit Score Tips for Car Purchases8:00 The Importance of Gap Insurance When Financing a Car16:00 Essential Steps for Returning a Leased Car19:00 The Importance of Monitoring Insurance Payments and Bank Statements22:00 Essential Steps for Young Drivers After an Accident23:00 Car Lease Extension Troubles During COVID26:00 Budgeting and Pitfalls in Leasing or Purchasing a CarThank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

There are so many moving parts to credit and finances - do you understand AND manage your credit effectively?The Real Credit Queen, Angela Setters-Bessard is joined by team members Samantha Headlee, Operations and Client Experience Manager at CCMI, and her partner in business and life - Chief Financial Officer, Founder, and husband, Ralph Bessard. They share their passionate commitment to empowering people through credit management.Conquer Credit Management provides you with with done-for-you credit service, strategy & expert coaching for sustainable long-lasting financial success. The team's enthusiasm to educate, support, and empower individuals in their credit management journey is a testament to their commitment.When reaching out to Conquer Credit Management, individuals can expect a dedicated and empathetic approach, supported by a wealth of knowledge and a culture of service.As their dedication and expertise shine through, it becomes clear that anyone seeking assistance with credit management will find a committed ally in their journey towards financial empowerment and success.Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Ready to level up your business and protect your brand?Attorney Nicole Swartz knows first hand why trademarks are essential for small businesses – she was running a thriving skincare brand. In two years her business went from a side hustle to a full time international company. One day, she woke up to a cease & desist letter, someone trademarked her brand. They owned the exclusive right to her business name and she couldn’t use it anymore.  She had to rebrand everything in 30 days… it was a nightmare!Nicole became obsessed with trademarks: she didn’t want anyone else to lose their brand. She learned everything about them and realized she loved working with women to st art and grow their businesses. She sold the skincare brand and started her own law firm.  What you'll learn in this episode:The nitty-gritty of getting a trademark – it's a whole world of rules and regulations, trust us!The scary implications of not trademarking your business – think legal and financial trouble, yikes!How having a trademark can make your brand look like a total boss and keep copycats at bay.The lowdown on enforcing your trademark rights – including the drama of cease and desist letters!The real deal on how trademarks can boost your business value and even be a money-making asset.make sure to check out Nicole's company at sproutlaw.com and check out their celebrity trademark updates on Instagram at Sprout Law (https://www.instagram.com/sproutlaw/)Wishing you all the success and trademark wins!Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.