Off My Chest Archives - Black Enterprise

Blogs > Off My Chest

3
Valentine's Day

For Valentine’s Day, Stop (Overspending) in the Name of Love!

Valentine’s Day is the official holiday to celebrate love. But because it’s almost exclusively a…

Read More »
money

4 Keys to Protecting Your Money When Opening Your Heart

No matter how caught up you are in the throes of romance, protecting your money is your responsibility. Neglect it at your own peril

We make some of our most damaging money decisions because we mistakenly think love makes…

By Alfred Edmond, Jr.

Posted: Tags: , , , ,

Why We Should Be Grateful for Our “Haters”

Critics can't hurt you unless you let them. But people cosigning on everything you do can kill you

For some people, the thought of having haters is as fascinating as wondering about life…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , , , , , , , , , , , , , , , , ,
money-smart kids

Use An Allowance To Raise Money-Smart Kids

Approached properly, it can be an important tool for their financial education

Want raise money-smart kids? Start buy using an allowance as more than an act of…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , , , ,
Eliminating Debt

Eliminating Debt? Don’t Get Carried Away

These are tips to help you approach eliminating your debt strategically and responsibly

For many of us, eliminating debt is a top priority. That’s not a bad thing,…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , ,
she makes more money

She Makes More. Can You Handle It?

Can love survive when she makes more money than he does? Sure it can. Here's how

Husbands, we said we’d love her for richer or poorer. But for many of us,…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , , , , , , , , ,
crazy ideas

Where Do Kids Get Their Crazy Ideas About Money?

Probably you! Studies show many children pick up money habits and beliefs from their parents

According to the National Foundation for Credit Counseling’s 2012 Financial Literacy Survey, children learn financial…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , , , ,
stressed

Dealing With Money Mistakes: Learn, Do Better, and Keep It Moving

Stay focused and get back on track

Everyone, including the wealthiest people, makes money mistakes. Don’t let that discourage you from continuing…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , ,
credit abuse

Avoiding Credit Abuse: Before You Break Out the Plastic, Think!

Credit abuse may be socially accepted, but it often leads to chronic debt

While credit abuse is a socially accepted and commercially encouraged habit, it often leads to…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , ,
attitude adjustment

An Attitude Adjustment: 3 Ways to Rethink Your Finances for the Holidays

Three stratagies to help you adjust your money mindset, as you face the demands and expectations of the holidays

With the pressure to overspend and take on debt to meet the demands of the…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , , , , , ,
sale

If Everything Was On Sale, Why Are You Broke?

No matter what the commercials say, you can't spend your way to savings, even if everything is on sale. Remember this during big shopping seasons

No matter what the commercials say, you can’t spend your way to savings. I repeat,…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , , ,
popular vote

Stop Focusing on Clinton Winning the Popular Vote

It's time to face facts and accept the truth; stop analyzing and start strategizing

To those questioning the fairness of Clinton losing the election despite getting more than 1.5…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , ,
reality check

5 Reality Checks You Must Face to Fix Your Finances

One of the challenges of financial education is trying to get through to people who think the rules of smart money management do not apply to them.

Time to get real: You are NOT the exception to the rules of building wealth.

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , ,

Should You Focus On Reducing Debt, Saving Or Investing?

It's a trick question: Everything you do with your money is an investment. But debt reduction is one of the best you can make, with guaranteed returns.

Should you focus on debt reduction, saving or investing? It’s a trick question. Everything you…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , ,
muslim ban

Trump Is the President-Elect. Why Are You Surprised?

The question is not, "Are we woke?" It's, "Why did you go to sleep?"

Donald Trump is the president-elect. Hillary Clinton has failed in her second bid to become…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , ,

When It Comes To Your Money, Are You A Hot Mess?

An exercise to give yourself a reality check—and maybe a much needed wake-up call—when it comes to your financial habits.

Check yourself. Before your wreck yourself.

By Alfred Edmond, Jr.

Posted: Tags: , , , , , ,
free gift

When It’s a Free Gift, It’s Going to Cost You

Want to get better control of your spending? Stop being bamboozled by the word "free."

Stop being bamboozled by the word “free.”

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , , ,
power of broke

The Power of Broke: Making Success Your Only Option

Being broke can be the biggest driver for reaching success

The latest book by Shark Tank star Daymond John preaches the power of broke as…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , , ,

Is Your Financial Mindset About Prosperity—Or Lack?

If you are constantly struggling to reach your financial goals, you may need to change the way you think about money.

Your financial mindset matters, because it shapes your financial habits and the outcomes they produce.

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , ,
before you invest

Before You Invest, 5 Questions To Ask

Protect yourself from financial scams. Here are questions to ask—and get answers for—before considering any investment opportunity

Protecting your finances is often a matter of what you do before you invest in…

By Alfred Edmond, Jr.

Posted: Tags: , , , , , , , , ,

How To

Equifax hack

After 143 Million Left Vulnerable by Equifax Hack, Here’s What You Can Do

The Equifax hack could be the largest data theft involving Social Security numbers, which is…

Read More »
JavaScript Developer

How She Became a Full Stack JavaScript Developer In 5 Intensive Months

My biggest lesson learned was overcoming limitations I had put on myself regarding what I…

Read More »