In today’s episode, Ralph Estep Jr. and Juliet answer a listener with a 704 credit score and nothing in savings, and explain where to start. They also cover paychecks that disappear, Halloween debt, and whether buying equipment for a tax write off makes sense.In This Episode✓ Denise has a 704 credit score, $6,000 across two cards, and $0 saved, so where does she start?✓ Andre earns good pay and still waits on the next paycheck✓ Halloween spending is projected at $13.5 billion, and 24% of celebrators expect to use debt✓ A $1,000 inflatable splurge splits a family✓ One Good Question: is an $18,000 year-end purchase worth it for the deduction?✓ Why merchant cash advances can sink a small business✓ Wins of the weekA good credit score does not mean you are financially stable. If your score looks fine but your savings account is empty, this episode gives you a first step.ResourcesWatch live:<a href="https://www.becomingfinanciallyconfident.com/live" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/live</a>Win Our Christmas Bonus:<a href="https://www.becomingfinanciallyconfident.com/giveaway" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/giveaway</a>Book a call:<a href="https://www.ralphestepjr.com/schedule" rel="noopener noreferrer" target="_blank">https://www.ralphestepjr.com/schedule</a>Year-End Personal Tax Review, $199:<a href="https://www.becomingfinanciallyconfident.com/yearend" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/yearend</a>Be on the show:<a href="https://www.becomingfinanciallyconfident.com/stuck" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/stuck</a>NRF Halloween survey:<a href="https://nrf.com/media-center/press-releases/nrf-halloween-survey-shows-consumer-spending-expected-to-reach-13-5-billion" rel="noopener noreferrer" target="_blank">https://nrf.com/media-center/press-releases/nrf-halloween-survey-shows-consumer-spending-expected-to-reach-13-5-billion</a>LendingTree Halloween study:<a href="https://www.lendingtree.com/credit-cards/study/halloween-splurges/" rel="noopener noreferrer" target="_blank">https://www.lendingtree.com/credit-cards/study/halloween-splurges/</a>Follow Becoming Financially ConfidentLinkedIn:<a href="https://www.linkedin.com/company/becomingfinanciallyconfident" rel="noopener noreferrer" target="_blank">https://www.linkedin.com/company/becomingfinanciallyconfident</a>Facebook Group:<a href="https://www.facebook.com/share/g/1HpWqv8jp9/" rel="noopener noreferrer" target="_blank">https://www.facebook.com/share/g/1HpWqv8jp9/</a>Instagram:<a href="https://www.instagram.com/becomingfinanciallyconfident" rel="noopener noreferrer" target="_blank">https://www.instagram.com/becomingfinanciallyconfident</a>Skool Community:<a href="https://www.skool.com/becoming-financially-confident-7556" rel="noopener noreferrer" target="_blank">https://www.skool.com/becoming-financially-confident-7556</a>TikTok:<a href="https://www.tiktok.com/@becoming.financial" rel="noopener noreferrer" target="_blank">https://www.tiktok.com/@becoming.financial</a>Have a money question?Send it here:<a href="https://www.becomingfinanciallyconfident.com/voicemail" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/voicemail</a>Companies MentionedSlateNational Retail FederationLendingTreeThe Financial GymEcammFacebookTikTokWawaRoyal FarmsChevroletHummerHershey’sCharminApple

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