Navigating Your Finances | Budgeting, Credit, Saving & Debt Payoff |

Описание: Are you ready to take control of your money in 2026? 💰

In this episode of Navigating Your Finances, Charlene Pemberton is joined by tax professional Joy Pemberton to share practical financial tips to help you start the year strong. From creating a spending plan to checking your credit report, reducing debt, saving smarter, and investing for retirement — this episode gives you a complete financial roadmap for the new year.

We cover:

✔️ Creating a budget (spending plan) that actually works
✔️ Best budgeting apps (You Need A Budget, Rocket Money, NerdWallet)
✔️ How to check your credit report for FREE
✔️ Reviewing beneficiaries & insurance policies
✔️ Debt payoff strategies (including balance transfers & APR reduction tips)
✔️ High-yield savings accounts & how to earn more interest
✔️ Retirement investing (401k, Roth 401k)
✔️ 529 education savings plans & tax advantages
✔️ Financial goal setting for individuals & families

If you're serious about improving your financial health, reducing debt, building savings, and planning for long-term wealth, this episode is for you.

Start the year on the right foot and build a strong financial foundation for your future.

👉 Don’t forget to LIKE, COMMENT, and SUBSCRIBE for more financial education and money management tips.

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Navigating Your Finances
Charlene Pemberton

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