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EmpowerYou Financial

EmpowerYou Financial

By Eva Palacios
Welcome To The EmpowerYou Financial with Eva Palacios!

The purpose of this podcast is to add value to listeners by offering financial education and entertainment. Eva Palacios is a Credit Boss and spent 20+ years in Credit and Financial Education. Eva wants to share the wealth of information she learned through her experiences -- information that we weren't taught in school and may not have learned growing up.

Eva wants to see everyone win and be empowered to live life on their own terms!
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Financial Freedom Friday | Benefits of Building Business Credit
Financial Freedom Friday | Benefits of Building Business Credit Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                       Access our FREE Facebook Group, EmpowerYou Financial
03:28
September 17, 2021
Financial Freedom Friday | Home Buying Hacks: For The Self-Employed
Financial Freedom Friday | Home Buying Hacks: For The Self-Employed Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                       Access our FREE Facebook Group, EmpowerYou Financial
04:06
September 10, 2021
Financial Freedom Friday | Timeshare Hustle
Financial Freedom Friday | Timeshare Hustle Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                       Access our FREE Facebook Group, EmpowerYou Financial
04:07
September 3, 2021
60. *Quick Update*
This episode is short and sweet y'all. Unfortunately, Eva is under the weather and was not able to join us this week. With that said, we will be back next week with more content and more value! Listen in as Charles shares an update on Eva and what you all can look forward to from EmpowerYou Financial... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
07:58
August 31, 2021
Financial Freedom Friday | You Deserve It
Financial Freedom Friday | You Deserve It Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
03:01
August 27, 2021
59. Income Producing Activities
We have all heard the phrase time is money. And, if this statement is true then money is also time and wasting time is equal to wasting money. Sometimes this concept of time versus money is hard to understand because we traditionally see time and money as a trade-off. When we work a 9:00 to 5:00 we trade our time for money. However, are we really trading time for money or is it time for time? Or, better yet, are we trading a little money for us for big money for our employer? Listen in as Eva shares her approach to time and why she does not spend time doing anything that does not make her money and why she is so adamant about not wasting time/money... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
46:46
August 24, 2021
Financial Freedom Friday | Mindset Shift
Financial Freedom Friday | Mindset Shift Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
03:06
August 20, 2021
58. You Don't Know What You Don't Know
As many us embark on this journey of adding additional streams of income and starting new businesses, we often encounter new lessons and new experiences that we did not anticipate. Whether it be realizing all the opportunities available to us within our reach that once seemed so far away or being exposed to strategies and methodologies for success that we could never have thought of on our own. This journey is an ever-growing path of uncovering old truths and discovering new ways to run your business and get it to the next level. Listen in as Eva shares her perspective on why we don't know what we don't know about business and what she is doing to help people be more informed of everything available to them... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
45:57
August 17, 2021
Financial Freedom Friday | Quality Of Life
Financial Freedom Friday | Quality Of Life Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
04:09
August 13, 2021
57. Network Marketing Secrets
If the global pandemic has taught us anything it's that multiple streams of income is no longer a 'nice to have' but a 'need to have'. One additional income opportunity many people hope to add to their households often comes from network marketing. Whether it be selling health and wellness products or cellular service or energy for home, network marketing companies have been around forever and are not going anywhere anytime soon. With that said, while many have tried to start their own business through these network marketing opportunities, not many are successful. Listen in as Eva shares her strategy and approach that has not only made her successful in one network marketing company but in three... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                 Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
01:12:08
August 10, 2021
Financial Freedom Friday | Give To Get
Financial Freedom Friday | Give To Get Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
02:26
August 6, 2021
56. Eva Bought A Car!
Depending on which city you are in, having a reliable vehicle to get you around each day can be extremely important. Especially, when you have a family and kids and everyone with their own daily and weekly obligations for school, work, practice, etc. Not to mention that outside of our homes, our vehicle can be one of the largest purchases we make as adults. With all of that in mind, listen in to how Eva approached buying a new vehicle for her family after an unforeseen event caused her free Mercedes SUV to be taken away... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                               Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
01:01:39
August 3, 2021
Financial Freedom Friday | Fastest Route
Financial Freedom Friday | Fastest Route Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
02:06
July 30, 2021
55. Throwing Down To Level Up
Starting your own business can come with a slew of challenges financially, emotionally, and physically. According to data from the U.S. Bureau of Labor Statistics, about 20% of U.S. small businesses fail within the first year. By the end of their fifth year, roughly 50% have faltered. Why is that? Many business owners go into business with a clear vision of their dream outcome. Yet, when the clear vision starts to get muddied, it becomes more and more difficult to see a path forward especially when the path forward requires more time and money. Listen in as Eva shares her approach towards starting a business and why she believes consistently and strategically investing in your business and yourself will yield the best results... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
57:10
July 27, 2021
Financial Freedom Friday | Faithful Over A Few
Financial Freedom Friday | Faithful Over A Few Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
02:06
July 23, 2021
54. The Power Of Business Credit
Properly establishing your business along with leveraging the power of business credit can be a huge wealth building tool. However, many of us have not been exposed to all the advantages business credit can give you. Imagine being able to tap into resources that will allow you to not only start your business but also make investments that could accelerate the growth of your business or support your business when things are slow. Listen in as Eva shares how to get started with business credit and how you can leverage business credit to level up... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
46:28
July 20, 2021
Financial Freedom Friday | Love On Your People
Financial Freedom Friday | Love On Your People Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
02:26
July 16, 2021
53. Want vs. Belief
Want, by definition, is the desire to possess or do something -- similar to a wish. Belief on the other hand is an acceptance that a statement is true or that something exists -- similar to faith. So what's the difference and why does that matter when it comes to personal finance and personal credit? Well, many of us 'want' to do better financially. We want a house, car, vacations, and savings. We want our kids to have more than what we had and we want to leave a legacy. But, how many of us believe this will actually happen? And, how many of us believe this so much that we are willing take the action and make it a reality. Listen in as Eva shares why she believes 'belief is everything' and is the foundation to improving your personal finances and personal credit and living life on your own terms... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
54:52
July 13, 2021
Financial Freedom Friday | Building A Relationship With Your Bank
Financial Freedom Friday | Building A Relationship With Your Bank Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
03:40
July 9, 2021
52. You're Approved!
Have you ever applied for a credit card and crossed your fingers and held your breathe because you were not sure whether or not you would be approved? Have you ever applied confidently because you thought you knew the outcome, only to get denied for that credit card leaving you confused and frustrated? You are not alone. Many of us are not aware of exactly what the banks are looking for and what specific criteria they want applicants to meet. But, it doesn't always have to be that way. Listen in as Eva breaks down how she able to predict with almost certainty whether or not folks in her coaching program will get approved or denied for a credit card whenever they apply... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
01:05:12
July 6, 2021
Financial Freedom Friday | Spending Wisely
Financial Freedom Friday | Spending Wisely Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
04:09
July 2, 2021
51. Fight Club
As we work hard to improve our personal credit and personal finances we are bound to face challenges along the way. No matter how good of people we are, there will still be times when our application will be denied for reasons that are not consistent with what we expected. So what do we do when that happens? Do we just accept the results that are given to us? Or, do we keep on trying? Sometimes it seems like everything is going against us but we believe we can still win as long as we keep fighting. Listen in as Eva shares her stories on how she has had to fight for what she believes she deserves and encourages others to do the same... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
45:37
June 29, 2021
Financial Freedom Friday | Getting Comfortable With Being Uncomfortable
Financial Freedom Friday | Getting Comfortable With Being Uncomfortable Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
03:31
June 25, 2021
50. Is Entrepreneurship For Everybody?
To be or not to be an entrepreneur is a question on a lot of people's minds as we come out of the global pandemic and try to adapt to our new normal. Do you have the patience, faith, grit, and discipline required to make your dreams a reality? Do you know what it truly takes each day to create and sustain a profitable business? While it may seem like a trendy thing to do, is entrepreneurship really for everyone? Or, is it possible to get the same benefits you believe entrepreneurship will yield by utilizing a different approach or strategy? Listen in as Eva shares her experience with entrepreneurship and why she encourages people to create their own freedom, through entrepreneurship or not, so they can live life on their own terms... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:12:44
June 22, 2021
Financial Freedom Friday | Who Are The Right People?
Financial Freedom Friday | Who Are The Right People? Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
03:18
June 18, 2021
49. Play To Your Strengths
Have you heard the phrase 'jack of all trades but a master at none'? Too often many of us think the best way to level up is to do everything ourselves. At times, doing everything ourselves feels like the only option because we either feel like we can't afford to pay someone for help, paying someone else would be a waste of money, or we don't trust that anyone can do it as well as we can. While all those things seem like good reasons, all of those reasons likely don't outweigh the benefit of saving time, stress, and ultimately money by letting other people do the things they are good at, while you focus on doing the things that you are good at. Listen in as Eva shares her thoughts around playing to your strengths and leveraging the strengths of others... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                 Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
39:34
June 15, 2021
Financial Freedom Friday | Priorities
Financial Freedom Friday | Priorities Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
02:48
June 11, 2021
48. You Deserve It
For some people, struggling to walk through the door of opportunity is less about the door being open and more about whether or not we feel invited. Some of us are stuck on the outside looking in because we are waiting on permission. We want to be inside, we want more for ourselves but we aren't sure if we are deserving. Whether it be because of how we were raised or the stories we have told ourselves, some of us can't see that the thing we want so badly is literally right in front of us -- we just have to grab it. As we continue to improve our personal finances and personal credit, we need to let go of limiting beliefs about ourselves and get everything that belongs to us because... we deserve it. Listen in as Eva and two amazing Lions, Jessica and Jiggy, share their stories of how they were introduced to money and finances and how their understanding has evolved into where they are now... Listener Perks:  Register for Eva's Credit Game Plan Webinar                               Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:16:50
June 8, 2021
Financial Freedom Friday | Building Business Credit
Financial Freedom Friday | Building Business Credit Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
02:20
June 4, 2021
47. Mindset Shift
How do you feel about having a large sum of money in a savings account? Does it make you proud, happy, or frustrated? Most people would definitely not say frustrated. However, when you consider the fact that the bank gives you a very small percentage of interest in your savings account while other investment vehicles pay considerably more in interest, it makes you wonder (and possibly frustrated). Think about it, if the money sitting in an account can earn 6% interest vs 0.05%, most people would much rather the 6%. However, that 6% option is not always readily available to everyday people. We would have to look for it. It is this type of mindset shift around money that are necessary along the journey of improving our personal finances and personal credit. Listen in as Eva shares why a mindset shift is so needed and why having the right mindset is a required wealth building tool... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                 Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:01:04
June 1, 2021
Financial Freedom Friday | 800+ Club
Financial Freedom Friday | 800+ Club Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
02:19
May 28, 2021
46. How To Win At The Car Game
Whether it be purchasing or refinancing, there's a strategic way to win at the car game. Often times we just think about whether or not we can afford the payment and feel that affording the payment each month means that we are winning. However, there is so much more to consider like: negotiating the vehicle to its lowest cost, locking in the lowest interest with the best terms, and making payments in a strategic way that minimizes the amount of total interest paid. Additionally, when it's time to refinance, being strategic around when to refinance to either increase your monthly cashflow or to once again minimize the amount of total interest paid while paying off the vehicle. Listen in as Eva shares her ways to win at the car game and how she leverages these wins to level up in other areas... Listener Perks:  Register for Eva's Credit Game Plan Webinar                               Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:00:14
May 25, 2021
Financial Freedom Friday | Be Your Own Stimulus
Financial Freedom Friday | Be Your Own Stimulus Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
02:54
May 21, 2021
45. The Power Of Networking
Many folks underestimate the power of their personal and professional networks. As we wake each day and just live our lives, we often don't truly think about who we are hanging around and how those relationships impact us. There's a saying that goes, "Tell me with whom you associate, and I will tell you who you are." So, if you are looking to level up, you need to hang out with people who are doing what you want to do and living how you want to live. Listen in as two guests, Nakisha and Clara, from our Lions Club share their stories of how they met Eva and how the relationship they have built with her has impacted their lives. Eva also shares why she believes so strongly in the power of networking... Listener Perks:  Register for Eva's Credit Game Plan Webinar                             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
01:09:52
May 18, 2021
Financial Freedom Friday | Creating A Living Trust
Financial Freedom Friday | Creating A Living Trust Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
03:32
May 14, 2021
44. Living On Purpose
When good things happen to you, do you believe it was just a random occurrence, a stroke of luck, or an intentional string of choices and actions? Too often, when we look at our personal credit, we bury our head in the sand and hope that one day our credit score will just magically change. Since we may not fully understand how or why our score got to be where it is, we believe that this random score may also randomly increase. But, that can't be further from the truth. Listen in as two guests, Lucy and Enedina, from our Lions Club share their stories of being intentional with their credit and finances and why Eva believes we have to do things on purpose to see the changes we are looking for... Listener Perks:  Register for Eva's Credit Game Plan Webinar                           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:12:35
May 11, 2021
Financial Freedom Friday | Leaving A Legacy
Financial Freedom Friday | Leaving A Legacy Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
03:43
May 7, 2021
43. Give To Get
So many of us desire to get to the next level but are reluctant to do what is necessary to get there. Too often we see the things we want but once we learn of the sacrifices it is going to take to get there, we are hesitant and oftentimes we give up. Why is that? The principle of you reap what you sow is not just something for those who read the bible, it's a universal principle that speaks to the way we get the things we want out of life. In order for us to have the fruit of the land, we have to plant the seeds. In order for the seeds to grow, we have to nurture the plants and do the work necessary to one day reap the eventual harvest. This process is the same whether we want to improve our health, relationships, or finances. We have to be willing to sacrifice, give, and put in the work to get the things we desire. Listen in as Eva shares her perspective on giving in order to get...  Listener Perks:  Register for Eva's Credit Game Plan Webinar                         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                   Access our FREE Facebook Group, EmpowerYou Financial
35:57
May 4, 2021
Financial Freedom Friday | Turning Everything Into An Investment
Financial Freedom Friday | Turning Everything Into An Investment Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
02:35
April 30, 2021
42. Quality Of Life
Many of us believe that our lives would be completely different if we only had a million dollars in the bank. While this may be true, a lot of us don't realize that the quality of life we believe we would have once we hit a million dollars, may be obtainable for far less money. For example, if all you needed was $5K to pay all of your bills and live comfortably each month, what would having $10K a month do for you and your family? That amount would be life changing because you would double what is already comfortable. Using this example, if you ever had $20K a month, it would likely feel like you had a million dollars because you would quadruple what you are accustomed to. But, $20K a month is only a quarter of a million dollars annually. So considering this, do you really need a million dollars? Or, are you just after a certain quality of life for you and your family regardless of how much money it takes to get there? Listen in as Eva shares her perspective on quality of life and why her goals aren't necessarily about having a certain amount of money... Listener Perks:  Register for Eva's Credit Game Plan Webinar                       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                 Access our FREE Facebook Group, EmpowerYou Financial
37:31
April 27, 2021
Financial Freedom Friday | Fixing & Flipping Real Estate
Financial Freedom Friday | Fixing & Flipping Real Estate Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
03:15
April 23, 2021
41. Know Your Banks
How many of us truly have a relationship with the financial institution that we primarily bank with? Many of us don't even consider this a necessity. We deposit money in our accounts via direct deposit, ATM, or an app and spend our money accordingly with most of our transactions being made online, through an app, via a storefront, or writing checks. Rarely, do we actually need to go inside a branch to talk to anyone. But is this how we should view our relationship with our bank? At the end of the day, at some point, we all will want/need to borrow money and often times the relationships we have or don't have with the banks can either help or hurt our cause. Listen in as Eva shares her reason for having seven different accounts and how she leverages the relationships she has with the banks to continue to level up... Listener Perks:  Register for Eva's Credit Game Plan Webinar                     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                               Access our FREE Facebook Group, EmpowerYou Financial
52:26
April 20, 2021
Financial Freedom Friday | Be The Lender, Not The Borrower
Financial Freedom Friday | Be The Lender, Not The Borrower Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
02:38
April 16, 2021
40. Love On Your People
One of the most overlooked and least talked about wealth building strategies is leveraging the power of treating the people around you well. Whether we know it or not, the energy we put out is often the same energy we get in return. Although we aspire to quickly level up from our current situations, we cannot underestimate the power of the relationships and opportunities that currently exist at the level we are at. Listen in as Eva shares why she uses the phrase "Love On Your People" so often and why it is so important and foundational to the EmpowerYou brand... Listener Perks:  Register for Eva's Credit Game Plan Webinar                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                             Access our FREE Facebook Group, EmpowerYou Financial
55:58
April 13, 2021
Financial Freedom Friday | Success Over Time, Not Overnight
Financial Freedom Friday | Success Over Time, Not Overnight Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
02:59
April 9, 2021
39. Faithful Over A Few
Along this journey of improving our personal finances and personal credit, it is common for us to feel frustrated with the current level we are on. We often see so many people leveling up on Facebook and Instagram -- buying the house or the car we want, taking the vacation we wish we were on, investing in real estate or stocks, or overall achieving the goals we may have set out for ourselves. But, how often do we stop and consider the fact that where we are may be exactly where we need to be? And, that in order for us to get to the next level, we must master the level that we are on. Listen in as Eva shares her story of how she strategically leveled up from her first $300 credit card to now having over $170K in available credit...  Listener Perks:  Register for Eva's Credit Game Plan Webinar                 Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                           Access our FREE Facebook Group, EmpowerYou Financial
53:47
April 6, 2021
Financial Freedom Friday | Planning Ahead
Financial Freedom Friday | Planning Ahead Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
03:25
April 2, 2021
38. Fastest Route
How do you determine the fastest route to your destination? Let's say you were driving, would you ask someone for directions? Would you use your experience and knowledge of the roads to plan your route? Would you get a map and eyeball your way based on what you are seeing on paper? Or, would get a GPS that could determine where you are relative to where you are going and outline your fastest route in the context of things like traffic, construction, accidents, etc.? Listen in as Eva shares why she believes in providing her clients with a GPS instead of generalized roadmap as she coaches them along the road to improving their personal credit and personal finance... Listener Perks:  Register for Eva's Credit Game Plan Webinar               Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                         Access our FREE Facebook Group, EmpowerYou Financial
41:47
March 30, 2021
Financial Freedom Friday | How To Effectively Use The Equity In Your Home
Financial Freedom Friday | How To Effectively Use The Equity In Your Home Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
03:34
March 26, 2021
37. Spending Wisely
Each month many of us are faced with the challenge of how to best spend our hard earned money. Some of us are able to make enough just to make ends meet while others may be fortunate enough to have something extra leftover. Regardless of where you are, we all have to think about how to best spend the money we have to first meet our basic needs and then to hopefully improve our situation for the better. Whether it be a consistent income stream or a one-time payment like a stimulus check, we all should take a moment to think about how we can best leverage what we have to eventually get what we want. We simply must be committed to spending our money wisely. Listen in as Eva shares her approach to spending wisely, what motivates her, and drives her to stay on track throughout the year... Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                       Access our FREE Facebook Group, EmpowerYou Financial
52:38
March 23, 2021
Financial Freedom Friday | Identity Theft Prevention
Financial Freedom Friday | Identity Theft Prevention Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
04:24
March 19, 2021
36. Priorities
Whenever we make one thing more important than something else we are by definition prioritizing. As busy adults, each day we make decisions around which things make it to the top of our to-do list. Sometimes on the weekends or when we are off of work, we put resting and relaxing at the top of our list. But during the week, we may focus on getting ourselves to work on time while also making sure our kids go to school with their homework complete and we put off resting and relaxing until Saturday or Sunday. Whichever way your life is setup we all make decisions on what things are considered priorities and which are not. Believe or not, we make the same types of decisions when it comes to our personal finances and personal credit. Based on how our life is setup right now, some things you put at the top of our list, while other things you don't. Listen in as Eva shares her experiences with prioritizing and how establishing priorities for herself and her family led her to purchasing her first home with $82K down saved in under a year at the age of 23... Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
57:40
March 16, 2021
Financial Freedom Friday | Couples & Money
Financial Freedom Friday | Couples & Money Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
03:37
March 12, 2021
35. Comfortable With Being Uncomfortable
How do you approach situations that make you uncomfortable? Do you do whatever you can to avoid further discomfort? Or, do you lean into the discomfort and take it as a challenge? Obviously, not every uncomfortable situation should be viewed as a challenge. However, there are many times in life, especially as we seek to grow ourselves personally, professionally, and financially where we will experience discomfort and that discomfort often represents the pathway towards our success. Listen in as Eva shares her approach to overcoming discomfort and why she leans into discomfort and often chooses to be comfortable with being uncomfortable... Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
54:17
March 9, 2021
Financial Freedom Friday | Investing In Yourself
Financial Freedom Friday | Investing In Yourself Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
03:51
March 5, 2021
34. Who Are The Right People?
If you have you been listening to the podcast you have heard Eva say several times, "get with the right people." But, what does she mean by this? Who are these right people? And, how can you judge whether or not someone is the "right" person? As we seek to improve our personal finances and personal credit we have to take risks and trust people along the way in our journey of leveling up. Listen in as Eva shares her criteria for what she feels makes up the right people and what she has learned from trusting the wrong people... Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
48:59
March 2, 2021
Financial Freedom Friday | Rebuilding After A Hardship
Financial Freedom Friday | Rebuilding After A Hardship Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
04:03
February 26, 2021
33. Estate Planning
No manner who you are or how old you are, we all have an estate. Believe it or not, this is not something that is exclusive for the wealthy among us. By definition, an estate is the net worth of a person at any point in time alive or dead. It is the sum of a person's assets – legal rights, interests and entitlements to property of any kind – less all liabilities at that time. So, since we all have an estate, shouldn't we work to do what's right by it? Similar to our credit, we all have it, so why not use it and leverage it to benefit ourselves and our family? Listen in as Eva shares her experience with estate planning AND hear from our Special Guest Gina Leguria, Estate Planning Attorney, as she shares her experience and expertise around living trust, wills, probate, and power of attorney. Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
45:27
February 23, 2021
Financial Freedom Friday | Credit Report Inquiries
Financial Freedom Friday | Credit Report Inquiries Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                           Access our FREE Facebook Group, EmpowerYou Financial
03:58
February 19, 2021
32. Results Oriented
As we continuously seek to improve our personal finances and personal credit we have to be careful about which advise we take heed to along our journey. With so much information available right at our fingertips and marketers constantly vying for our attention, it is easy to fall prey to the shiny and flashy side of personal finance. Despite this, Eva encourages us to look at the results of what we are investing our time and money in. And, if the results are not there, we should cut our losses and move on. Listen in as Eva shares her experiences along with three special guests from our EmpowerYou Financial Community!  Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
59:38
February 16, 2021
Financial Freedom Friday | Investing In The Right Insurance
Financial Freedom Friday | Investing In The Right Insurance Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
06:01
February 12, 2021
31. Where The Money Reside?
People that have access to lots of money often talk about how easy it is to obtain money once you know the rules of the game. For many people that struggle each month, this is a hard pill swallow. It is hard to imagine, especially for folks that feel they work as hard as they can, that money can just be created out of thin air, just from making different decisions than they normally make. As crazy as it sounds, it's actually true. There is an abundance of money out there, money is not scarce. Listen in as Eva discusses the mindset that allows her to access the money she needs whenever she needs it without worrying about money ever going away...    Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
51:26
February 9, 2021
Financial Freedom Friday | Creating Multiple Streams of Income
Financial Freedom Friday | Creating Multiple Streams of Income Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
05:16
February 5, 2021
30. Settling Debt
While America had a debt problem prior to COVID, the impact of the global pandemic has put many things related to debt into tailspin. Whether it be car loans or home loans, credit cards or store cards, many things have fallen behind during this unprecedented time in our history. To that end, with debt being so closely tied to everything we do, how do we properly settle the rising tide of debt as we attempt to get our personal finances and personal credit in order? Listen in as Eva shares her approach to settling debt while making sure you always win... Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
59:34
February 2, 2021
Financial Freedom Friday | Investing In Networks
Financial Freedom Friday | Investing In Networks Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
07:04
January 29, 2021
29. When To Pivot
How many of us have financial commitments that make us feel good but may not be good for our overall finances? Whether it is something as small as a subscription service or a Starbucks habit or something large like a business venture or a loan of some type, how do we know when we should cut that expense off and count our losses? Listen in as Eva shares her advice on when to pivot from something that may not be giving us the return on investment that we deserve... Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
57:43
January 26, 2021
Financial Freedom Friday | How To WIN...When Buying A Car
Financial Freedom Friday | How To WIN...When Buying A Car Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
05:47
January 22, 2021
28. Leveraging A Refi
Leveraging the credit game often comes with the opportunity to change the terms of your loan, also known as refinancing. When done correctly, this strategic move can not only lower your monthly payment but also your interest rate which results in a lower amount of interest paid over time. This may not seem like a big deal but when you break down the math, a refinance can be a huge win for your personal finances. Listen in as Eva shares her experience with her recent refi and what ways she can leverage the refi to level up in several different ways... Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
49:44
January 19, 2021
Financial Freedom Friday | Couples & Credit
Financial Freedom Friday | Couples & Credit Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
03:12
January 15, 2021
27. Leaving A Legacy
How many of us are truly financially prepared for an unforeseen accident that renders us unable to work? Or, God forbid, an accident that takes us from our families too soon? What would happen to our loved ones and dependents? How would we provide if we are unable to work? With far too many folks relying on the generosity of others through a platform like GoFundMe, we realize that we must be better prepared for the unforeseen. Listen in as our special guest, Living Benefit and Infinite Banking Specialist, David Garcia shares his amazing story and how he has set up his family and himself for the unforeseen... Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                           Access our FREE Facebook Group, EmpowerYou Financial
54:34
January 12, 2021
Financial Freedom Friday | Raising Money Smart Kids
Financial Freedom Friday | Raising Money Smart Kids Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
03:53
January 8, 2021
26. Delayed, Not Denied
Many of us enter the new year with excitement and expectation as the new year often represents new beginnings and a chance to start over. With 2020 being the crazy year that it was, 2021 in particular, could represent a step in the right direction for us collectively and us personally as we hopefully begin our recovery from the global pandemic. One way to mark this transition, out of the old and into the new, and to stay committed to our change is to create a resolution. Listen in as Eva shares her new year's resolutions for 2021 and how she has handled falling short with some of her 2020 goals... Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
54:34
January 5, 2021
Financial Freedom Friday | Budgeting
Financial Freedom Friday | Budgeting Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
02:53
January 1, 2021
25. Stimulus Check?
Many of us have heard the news of the second stimulus check coming our way. The amount of this stimulus check, by all accounts, is an insult to say the least in the context of anyone living within the United States. However, beyond of the frustration of such a disingenuous effort from the government, how do we as individuals protect ourselves and weather any financial storm? Is there any way we can create our own stimulus check and bail ourselves out should the need ever arise? Listen in as Eva shares how she is able to give herself her own stimulus check at anytime and how you can do the same... Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
58:58
December 29, 2020
Financial Freedom Friday | Road To Home Ownership
Financial Freedom Friday | Road To Home Ownership Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
04:45
December 25, 2020
24. Soft Pull, Hard Hit
There is a lot of misinformation floating around when it comes to credit report inquiries. Some inquiries are considered hard and some are considered soft. So, what's the difference and how do they each impact your credit score? And, is it true that not all hard inquiries are the same? Listen in as Eva breaks down the difference between a hard and soft credit report inquiry, dispels a few myths, and teaches us how to WIN regardless...  Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                     Access our FREE Facebook Group, EmpowerYou Financial
46:26
December 22, 2020
Financial Freedom Friday | Credit Card Rewards
Financial Freedom Friday | Credit Card Rewards Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
02:41
December 18, 2020
23. Leveling Up
No matter where you are on the personal finance spectrum, there is always a next level to achieve. With that said, it may not always be clear how exactly to move up the staircase of financial freedom, especially with so many conflicting messages online coming from so many people. Despite this, what we do know is that leveling up takes a combination of recognizing where you truly are, having a clear and proven game plan that lays out how to achieve your financial goals, receiving support and coaching along the way, and lastly, executing that game plan. Listen in as Eva shares exactly how she plans to help others level up and achieve their personal finance goals in 2021... Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                   Access our FREE Facebook Group, EmpowerYou Financial
37:37
December 15, 2020
Financial Freedom Friday | Pay The Professionals
Financial Freedom Friday | Pay The Professionals Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                     Access our FREE Facebook Group, EmpowerYou Financial
02:51
December 11, 2020
22. Other People's Money
What would you rather have, an 800 credit score or $100K in the bank? While these things may not be exactly equivalent, this question brings up an interesting conversation around leverage and strategy as we look at our personal finances. Could both things be leveraged in a way that allows folks to level up? Sure. But, which one is better? Listen in as Eva shares her answer to this question and why she believes in approaching personal finance in a similar way the wealthy do... Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                   Access our FREE Facebook Group, EmpowerYou Financial
48:04
December 8, 2020
Financial Freedom Friday | 700+ Club
Financial Freedom Friday | 700+ Club Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                 Access our FREE Facebook Group, EmpowerYou Financial
04:26
December 4, 2020
21. Emotional Spending
Emotional spending sometimes occurs when you buy something you may or may not need, as a result of feeling stressed out, bored, under-appreciated, unhappy, or any number of other emotions. In fact, we also spend emotionally when we are feeling happy and feel like celebrating. For example, what did you buy yourself the last time you got a raise, promotion, or bonus? Trust, there's nothing wrong with buying yourself or your loved ones nice things from time to time, as long as you can afford it and your finances are in order. However, if you're spending more than you'd like to on non-essentials and you are struggling to find the cash to pay the bills at the end of the month, learning to recognize and curb your emotional spending can be an important tool. Listen in as Eva shares her experiences with emotional spending and how to manage and work through this very real issue... Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                 Access our FREE Facebook Group, EmpowerYou Financial
39:42
December 1, 2020
Financial Freedom Friday | Credit Is King
Financial Freedom Friday | Credit Is King Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                   Access our FREE Facebook Group, EmpowerYou Financial
04:10
November 27, 2020
20. Gratitude
In a special episode this week, Eva invites guests from the EmpowerYou community to listen in on a LIVE recording of the podcast. In the spirit of Thanksgiving, six awesome women joined the podcast as we talked about the attitude of gratitude and how being gracious positively impacts our personal finances. Listen in as Eva and our guests share the positive impact the EmpowerYou community has had on their lives...  Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards               Access our FREE Facebook Group, EmpowerYou Financial
57:31
November 24, 2020
19. What's An Investment Worth?
An investment by definition is the act or process of investing money for the purpose of profit or material result. But, is money the only type of investment worth making? Along this road of improving our personal finances there many types of investments we should be looking to make. Investing in individual people, your network, information, education, and your future, in addition to things like real estate, are all great investments that will often yield you more money. And, most importantly, more time. Listen in as Eva shares her definition of investing, all the ways she looks to invest, and what she believes is worth the investment...  Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards             Access our FREE Facebook Group, EmpowerYou Financial
01:02:37
November 17, 2020
18. Who Handles The Finances?
Personal finance is typically not something we are taught in grade school. Usually, the lessons we learn around personal finance are taught to us by our parents and we are often thrust into the role of being our own personal finance manager as adults after we starting earning a living. Naturally, it would seem that since we are making the money we should also be the ones managing it, right? But, how often do we stop and reflect on whether or not we are the best person for that role? Should it be our partner? Should we hire someone? Should we develop this skillset on our own? Listen in as Eva gives her advice on who is best equipped to handle our personal finances based on what comes natural to us... Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards           Access our FREE Facebook Group, EmpowerYou Financial
37:25
November 10, 2020
17. J.O.B.
Are you currently employed and feel drawn towards entrepreneurship? Are you a current business owner but really feel like life would be much easier if you had a 9 to 5? No matter which category you fall in, we often believe that grass is greener on the other side. However, truth be told, how you earn an income does not matter as much as how you handle your personal finances. Listen in as Eva shares the pros and cons of being employed and being self-employed and how to win in the personal finance game no matter what... Listener Perks:    Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards         Access our FREE Facebook Group, EmpowerYou Financial
54:12
November 3, 2020
16. Upside Down
As much as we love our vehicles it is generally understood that cars are depreciating assets and not particularly great investments. However, even with that knowledge, we find ourselves stuck in a lease or finance contract because we need to find a way to get from A to B. With that said, despite these realities, is there still a way we can when at this car game? Do we always have to be "upside down", which means to owe the finance company more than the car is worth? Listen in as Eva shares her car buying experiences and how she manages to keep equity in her cars making them assets should she ever need to move on from her vehicles... Listener Perks: Apply to join Eva's Side Hustle Team     Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards       Access our FREE Facebook Group, EmpowerYou Financial
48:05
October 27, 2020
15. Vacation Vacation Vacation
A vacation by definition is 'an extended period of leisure and recreation, especially one spent away from home or in traveling'. Despite the limitations of COVID, it is important for us to still find time for ourselves and our families to get away and unplug. While some may prefer a 'staycation' and those certainly can be rewarding, we believe there also is great value in the collective experience of traveling for leisure and taking in all the wonderful things to come with visiting places that are outside of our hometown. Listen in as we share our vacation experiences and Eva's tips on how to best budget and plan for vacations... Listener Perks: Apply to join Eva's Side Hustle Team   Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards     Access our FREE Facebook Group, EmpowerYou Financial
59:48
October 20, 2020
14. FICO 10
Have you ever applied to purchase a car or home and was told by the lenders that your credit score was not what you believed it to be? Whether you are using Experian.com or Credit Karma, it sometimes feels like we as consumers are looking at a set of scores and the lenders are looking at something entirely different. Why is that? Listen in as Eva breaks down the different FICO Credit Scoring Models that exist with consumers and lenders and how to prepare yourself to win regardless of the FICO Credit Scoring Model being used.  Also, listen to Eva breakdown the latest credit scoring model, FICO 10, and how this credit scoring model will likely directly impact your credit score... Listener Perks: Apply to join Eva's Side Hustle Team Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards   Access our FREE Facebook Group, EmpowerYou Financial
44:20
October 13, 2020
13. Side Hustle
One lesson that many of us have learned from the global pandemic is that nothing is promised. Before March, who could have ever imagined a time where everyone, literally everyone, was told to stay home from work? In the beginning, many of us welcomed the time to stay home and relax. However, after days became weeks and weeks became months and our income started to become uncertain, many of us were faced with the hard truth of needing to figure out how to make ends meet despite COVID. Listen in to hear how Eva has survived the pandemic and why she believes so strongly in having multiple streams of income...  Plus, as a bonus, listen for a way to work alongside Eva and earn some extra income! Listener Perks: Apply to join Eva's Side Hustle Team  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards   Access our FREE Facebook Group, EmpowerYou Financial
44:06
October 6, 2020
12. Couples & Credit
So, at what point should couples start discussing topics like personal finance and credit? And, once things get serious in the relationship, which accounts should be shared and which accounts should be separate? Are there best practices? Without approaching this topic the right way and being strategic, one could find themselves at a disadvantage if the relationship goes left. Listen in as Eva shares some surprising tips and tricks and reveals how she manages this topic within her household...   Listener Perks: Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards Join our FREE Facebook Group, EmpowerYou Financial
43:56
September 29, 2020
11. Rebuilding After Hardship
For many of us, the last six months have been challenging. Whether we were impacted directly or indirectly by COVID, we have all had to take a second look at our personal finances and credit. Some of us may have experienced setbacks and are actively rebuilding what may have been lost. To that end, how do you most effectively rebuild? We understand that rebuilding is sometimes a part of our journey of growing and getting stronger, but is there a way to works best when it comes to rebuilding our credit? Listen in as Eva breaks down the best way to bounce your credit back after going through hardship... Listener Perks: Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards Join our FREE Facebook Group, EmpowerYou Financial
48:06
September 22, 2020
10. Credit Card Rewards
The relationship with credit cards usually goes something like this -- you get something you want now in exchange for you paying for that thing you want plus interest later. That's how it typically works. But, did you know that there are situations where credit cards pay you? In other words, as a reward for using certain credit cards to make specific your purchases, credit card companies give you various forms of cash back.  These reward programs often result in free money that, if used correctly, can discount future purchases and improve your quality of life. Listen in as Eva shares her tips and tricks on how she maximizes credit card rewards and get credit cards to pay her... Listener Perks: Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards Join our FREE Facebook Group, EmpowerYou Financial
45:30
September 15, 2020
09. Not All Credit Repair Is Created Equal
Credit repair services have been around as long as credit reports have been a thing. Although we are all collectively still working our way through the global pandemic, folks are still focused on improving and repairing their individual credit. But, what's the best way to go about it? With so many options of credit repair services and credit repair gurus online, how do we know who's really going to help us and who's just out for a money grab? Listen to Eva breakdown what things you should expect from a quality credit repair service and what red flags to look out for...
41:05
September 8, 2020
08. Lender Not The Borrower
Some of us have heard the biblical reference of it being better to lend than to borrow. The reason for lending being better may not be obvious to all but the advantages of being the lender are indisputable. The lenders in our society, such as banking and credit institutions, set the terms and in many ways directly impact the quality of life of those who they choose to lend to or those who they choose not to lend to. So, this begs the question, how do we, as regular folks, position ourselves to move from borrowing to lending? Is this transition possible? Listen in as Eva describes how she works hard to be on the right side of lending/borrowing dynamic...
41:33
September 1, 2020
07. Opportunity Cost
How often do we consider the trade-off of (our time vs our money) or (our money vs our experiences)? The concept of this trade-off that we knowingly and unknowingly participate in every day can actually be described in the economic term, opportunity cost. Opportunity Cost, by definition, is the benefit that is missed or given up when an individual chooses one alternative over another. It's kind of a fancy way of saying, the cost of the next best thing.  So what trade-offs are you making in your life as it relates your personal finance? Are you leveraging your time and money to best of your ability? Listen in as Eva discusses her trade-offs... 
54:23
August 25, 2020
06. To Budget Or Not To Budget
Whether you learned to do so or not, you would have a hard time putting away enough money to grow your wealth without establishing a budget. A budget, or 'spending plan' as Eva likes to call it, is just the process of creating a plan that allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do. Truth be told, we all budget, some of us are just more intentional about it than others. Listen in as Eva shares her expert tips on creating a budget and how this plan has helped her grow her personal wealth...
39:04
August 18, 2020
05. Raising Money Smart Kids
When do you start talking to your kids about money? Where do you begin and what things should you share or not share? Those are the questions on the minds of a lot of parents, especially those parents that were not raised with a healthy financial education themselves. Listen as Eva shares her approach to raising money smart kids and what she advises other parents do to educate their children... 
38:44
August 13, 2020
04. You Could Pay More But Why?
Buying a car can be a fairly detailed process. But at its core, it involves identifying the car you want, securing financing, negotiating a price, and closing the deal by signing the paperwork. With that said, there is still so much to consider when purchasing a vehicle. Should you lease, finance, or pay cash? Every decision has it's own pros and cons, so how do you know which option is best for you? Well, it depends on a few things -- namely your credit. Listen to this episode to see if you can relate to our experiences!
43:35
August 11, 2020
03. Credit Matters
Credit impacts everything you do nowadays -- from purchasing the things we want and need like cars, homes, and furniture to applying for jobs. In many ways it is an inescapable measurement that we all at some point in our lives will be judged by. So the question is, since credit matters so much, how do we use credit to our advantages? And, what is life like when we are using credit poorly or not using it at all?
38:36
August 6, 2020
02. Road To Home Ownership
The road to home ownership has a lot of ups and downs. Questions like when and where to buy loom large as well as questions around how to even qualify for a home loan. Listen in as Eva shares her journey and the real-life sacrifices she made to save 20% down on her first home almost 20 years ago. She also shares the reasons why she continued to invest in real estate -- eventually purchasing multiple homes and investment properties.
48:38
August 4, 2020
01. Introducing Eva
This is the first official episode of EmpowerYou Financial with Eva Palacios! We are super excited to get this podcast started and we look forward to providing great content for our listeners! In this episode, we learn about Eva's backstory and what experiences have made her into the personal finance expert that she is today. This is just the beginning... Enjoy!  The EmpowerYou Financial Podcast is available on all other major platforms!
54:05
July 28, 2020