Showing results by author "Yolanda Washington-Cowan" in All Categories

Filing for bankruptcy or completing a wage earner plan can feel like a huge setback. It may seem like your financial future is ruined, but the truth is, it’s not the end—it’s a new beginning. This is your chance to rebuild your credit, take control of your finances, and come back even stronger.

Credit cards are a convenient financial tool, offering rewards, perks, and flexibility. Yet, for many, they’ve become a source of stress and unmanageable debt. Why? Because credit card companies design their terms and practices to ensure profits—often at your expense. The truth is, most people don’t realize they’re playing a game. Every time you swipe your card or miss a payment; credit card vendors are using your habits to their advantage. But here’s the good news: with the right strategies, you can flip the script and win.

Sometimes in life, God has to break you to humble you and bring you to a place where you can hear and follow Him. When He does this, it is not to destroy or hurt you; but He does it with grace to position and promote you into His purpose for you. This process of breaking forces us to confront issues about ourselves that we would rather avoid. And it can be hard on our flesh and touch every aspect of our lives. However, just like the clay in the hands of a potter, the final product is a beautiful life perfectly suited for God’s purpose.

"Join Tilla and Tyler on an exciting adventure that takes them beyond the ordinary and into the world of financial wisdom! In "Tilla and Tyler's Money-Savvy Kids' Adventure," the two best friends embark on a journey to discover the secrets of earning, saving, and investing money. Guided by their resourceful family and friends, they navigate through real-life scenarios, from starting their garden to unraveling the mysteries of earning, saving, and investing money. As their knowledge grows, so does their confidence in making smart financial decisions.

These prayers are designed to deepen one's faith, overcome doubts, and build unwavering trust in God's promises. Each prayer is thoughtfully tied to a specific Scripture, offering a personal and reflective approach to spiritual growth. The prayers are structured to guide individuals through moments of uncertainty, strengthening their confidence in God's unwavering love and faithfulness.

10 Tax-Saving Tips: A Practical Guide to Keeping More of Your Hard-Earned Money" provides actionable strategies to help individuals and small business owners minimize their tax liability and maximize savings. From optimizing retirement contributions and leveraging tax-efficient accounts to claiming overlooked credits and utilizing tax-loss harvesting, this audiobook simplifies the complex world of tax planning. Whether you’re preparing for the upcoming tax season or building a long-term financial plan, these tips empower you to save money legally and effectively.

STOP TRADING YOUR TIME FOR A PAYCHECK. Most people are told that if they work hard for forty years, they might get to enjoy their life once they reach sixty-five. But what if you didn’t have to wait? What if you could claim your financial freedom right now? In the final installment of the Smart Money Series, author and financial mentor Yolanda Washington-Cowan pulls back the curtain on the exact roadmap she used to achieve independence. This isn't just a book of theories—it’s a proven, ten-step battle plan designed to help you stop living for the weekend and start living for yourself.

Planning for retirement is one of the most important financial goals in life. It might seem overwhelming to think about saving a million dollars, but with simple strategies and the right mindset, it is absolutely possible. This audiobook breaks down the process into ten straightforward steps that anyone can follow to build their future wealth. From budgeting wisely to investing effectively, you'll discover practical advice and actionable tips to help you reach your retirement goals and enjoy financial security in your golden years.

Throughout this book, you will explored prayers that invite God’s divine prosperity into every area of your life. But beyond the words of these prayers, there is one key element that makes all the difference—your faith.

When deciding on the right business structure, it’s essential to understand the key differences between the various options available. The structure you choose can impact everything from taxation to liability protection and operational flexibility. Here’s an overview of the most common business entities: Sole Proprietorship, Partnership, LLC, C-Corp, and S-Corp.

In today's business world, every dollar counts. Understanding tax write-offs can be a game-changer for your bottom line. This guide, Top 25 Tax Write Offs for Businesses That Will Transform Your Bottom Line, is here to help you unlock savings and boost profitability.

Tilla is a sweet little girl with a big heart. Like all little girls, she’s discovering who she is and how she fits into the world. As she looks around, she notices something that leaves her questioning where someone with natural hair like hers belongs or if they belong anywhere at all. Follow her story as she learns just how valuable she and the gifts she brings to the world are and marvel at how a few kind words and encouragement helped her embrace her natural beauty, her wonderfully curly hair, and her gentle spirit. Along the way, you’ll find seven magnificent hairstyles.

The conventional wisdom is everyone should invest in securing their future financial health, but not everyone has the money to invest. This book aims to help you learn about a financially feasible way, on any budget, to jump into the penny stock market and earn an extra income to help secure your financial future. Inside this easy to understand book, author Yolanda Washington-Cowan breaks penny stocks down into digestible tidbits of information and helps you understand how they work, why you should invest, and how to avoid the pitfalls of the stock market.

As believers, our reality in Christ Jesus is established by our faith in God. Whenever we are going through difficult times, we should always remember and believe God’s promises for our lives according to the scripture. The paths across life are not always smooth and straight. But God has assured us of his care and love if we can trust and have faith in Him. Faith is a powerful spiritual tool to unlock closed doors of healing, abundance, deliverance, fruitfulness, and favor.

Miguel is a man with a troubled past and transforms into a man who is self-centered with destructive social patterns. He meets Amelia, a beautiful divorcee with two children, and uses a charade of love, protectiveness, and kindness to lure in her children to love and trust him. Amelia is swept off her feet with his charming personality, handsomeness without knowing that the unhappy man feels no one deserves to be happy. Amelia would not listen to the warning from Miguel’s mother, that her son is not good for her.

Taking Care of God's Stuff: Understanding Stewardship for Children is an audiobook that will enlighten your children on how they can be good and obedient stewards over the blessings of God upon their lives. This audiobook will teach them what they are supposed to take care of and how to care of their gifts, talents, abilities, the resources at their disposal, their time, money, their families, friends, neighbors, schoolmates, and so much more. Because God trusts them well enough and he has placed them in charge of everything he has made.

You can become debt-free. It may not happen overnight, but it can happen. The ideas presented in this audiobook are great jumping-off points for you; they are simple and easy to follow. Just stay the course. You should be able to find something that can work for you, and if you don’t, there is probably something here that at least sparks an idea that can start a fire under you big enough to get you motivated.

Every Day Is a Payday in the Kingdom of God is guaranteed to change the way you think about Godly wealth. It will teach you to give money its legitimate place in your life; owning it rather than being owned by it. Following the principles and steps outlined in this book will provide focus to your pursuit of wealth and balance to your life. I challenge you to faithfully apply everything it teaches and watch God work miracles in your life!

Many of us get put into the wrong categories because others see only the rough surface that meets the human eye. They don’t take the time to look at the potential and see what we can become. In truth, we are all worthy, precious jewels in the eyesight of the Lord. He knows the tremendous potential that is in each one of us. As humans, we are just like the rock that is being formed into the diamond itself; it sometimes breaks into pieces in the midst of the making. Those pieces of carbon go through a lot, just like us being transformed into a diamond.

Everyone who desires improvement in their finances and health needs to reconnect with God through scripture-based prayers. This book contains a list of prayer points that have been compiled to guide you on how to commune with God.