Uziel Gomez, CFP®, AFC ®

Financial Planner and Founder of are intended for educational purposes only and should not be considered financial advice.

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A10: Frequent check-ins are important! Write down your goals and place it somewhere visible! I have my goals listed in a post-it note on my desk. Nothing fancy but it’s a constant reminder of what I’m working towards! #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A9: First is reminding myself that life happens! I set a frequency to check in on goals and see my progress. If I see that I’m not on track, I adjust to something more realistic! It’s finding the balance between grace and accountability! #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A8: Reminding myself of my values and setting expectations before the busy season starts! Thinking twice before I make a big financial decision - getting out of my environment to think with clarity to see how something may impact me! #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A7: Credit Karma is great in helping track my credit scores! As well as Monarch helps me track my saving toward specific goals! Having intentional money dates with my partner and having an accountability partner also helps! #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A5: Taking a more active approach to my spending — thinking twice before I spend, especially on food. I want to shift my discretionary dollars away from impulse food spending and toward activities and experiences that actually add value. #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A4: Awareness! Request your free credit reports for the year from all 3 bureaus. Check to see that everything is correct! Explore opportunities to increase your score by paying down debt, disputing any wrong information! #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A3: Protecting my credit score by ensuring I have the proper guardrails in place so my score doesn’t decrease. Making sure all cards are set for auto pay and having recurring transactions to avoid closure on #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A2: Start with awareness! Look at where your money is going and how does it align with what you value. What are habits you want to replace? #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A1: “The best time to start was yesterday, the next best time is today” - use the momentum to start now to help keep the determination throughout the year! #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A10 One mistake I’ve made is telling myself, “I’ll figure it out later.” But taking action now, no matter how small, can make things so easier #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A9 Booking travel and lodging ahead of time might be more affordable. Also, consider staying with friends and family to make it more affordable while still getting the feeling of exploring a new city #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A8 Consider shopping only for things you truly need. If it’s been on your mind, waiting for big sales can help. Otherwise, remember—some stores just slap on red stickers to look like it’s a deal when it’s not. #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A6 A thoughtful, personal gift is often more meaningful than an expensive one. For example, when a friend welcomes a baby, I like to gift a piggy bank with the baby’s name handwritten - this has become my signature as a financial planner! #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A5 Start by creating a spending plan and see how much you can afford to give. Remember money isn’t the only form of giving, you can give your time and skills as well! #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A4 Consider using a separate account from your regular savings, ideally one with bucket features to visually organize your goals. Estimate the total amount you’ll need, then divide it by the number of months until you'll spend it. #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A3 Monarch Money is a great budgeting app that allows you to set goals, track spending and create spending plans! #creditchat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A2 Hosting dinners, travel, overlooking gift shopping for non-family members, and childcare. People can plan for these items by looking at expenses from previous years and being honest with themselves, it’s better to overestimate than to underestimate. #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A1 I set aside money each month for irregular expenses like holidays. At the start of each year, I review last year’s spending, estimate the new year’s amount, and divide it by 12 to save monthly and stay prepared #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A10 AI is not always accurate. You should not solely rely on AI. It could be a good thinking partner but you definitely have to do further research before making decisions #CreditChat

[Uziel Gomez, CFP®, AFC ® @Uzigomez]

@Experian A8 AI could be a good place to double check ideas and explore different strategies. It can serve as a starting point for further research #CreditChat