Well Kept Wallet

Helping you get from where you ARE to where you WANT to be when it comes to your career, money, & lifestyle.

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[Deacon Hayes @deaconhayes]

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[Well Kept Wallet @WellKeptWallet]

A1: To me, “make your own luck” with credit means building habits that stack the odds in your favor. Pay bills on time, keep balances low, and check your credit regularly. Good credit isn’t luck. It’s consistency. #CreditChat

[Well Kept Wallet @WellKeptWallet]

@Experian @ACCreditCounsel @shemakescents @MoneySavvyLife @MommyTalkShow You're welcome, thanks for having me!

[Well Kept Wallet @WellKeptWallet]

A10: Becoming a parent can impact long-term financial goals by shifting the focus toward stability, increasing emergency savings, and reducing high-interest debt. #creditchat

[Well Kept Wallet @WellKeptWallet]

A9: Parents should start planning for childcare costs as early as possible, often before the baby is born, due to waitlists and upfront deposits. #creditchat

[Well Kept Wallet @WellKeptWallet]

A8: Health insurance plays a major role in preparing financially for a baby because it determines how much childbirth and follow up care will actually cost. #creditchat

[Well Kept Wallet @WellKeptWallet]

A7: An emergency fund matters more during pregnancy because expenses and income can change fast, helping protect people from taking on debt. #creditchat

[Well Kept Wallet @WellKeptWallet]

A6: Parents can plan for medical costs by reviewing deductibles and out of pocket maxes early to avoid large credit card balances. #creditchat

[Well Kept Wallet @WellKeptWallet]

A5: Parents should know exactly what portion of leave is paid, partially paid, or unpaid and plan accordingly. Understanding benefits avoids surprises when paychecks change. #creditchat

[Well Kept Wallet @WellKeptWallet]

A4: Having savings helps parents handle new expenses without stress and keeps them from going into debt during this new season of life. #creditchat

[Well Kept Wallet @WellKeptWallet]

A3: Budget changes should start as soon as pregnancy is confirmed. Small adjustments early create breathing room later. #creditchat

[Well Kept Wallet @WellKeptWallet]

A2: Parents should budget for medical bills, diapers, formula, and childcare. The biggest surprise is how fast small monthly costs add up. #creditchat

[Well Kept Wallet @WellKeptWallet]

A1: The first money conversation should focus on updating the budget and adjusting expenses as needed before the baby arrives. #creditchat

[Well Kept Wallet @WellKeptWallet]

@Experian @creditscoop @DebtFreeGonnaBe @MoneyFitbyDRS @LeslieHTayneEsq @EmilySchwartzAZ @JReLLz35 @michaelreynolds Thanks for having me!

[Well Kept Wallet @WellKeptWallet]

A10: One rule of thumb when deciding how to pay is that if you cannot pay it off within the month, it likely should not go on a credit card. #creditchat

[Well Kept Wallet @WellKeptWallet]

A9: Payment choices impact budgeting and spending awareness because cash makes spending feel real, debit shows immediate impact, and credit can delay the feeling of cost. #creditchat

[Well Kept Wallet @WellKeptWallet]

A8: Rewards and cash back can influence payment decisions, but they only make sense when balances are paid in full and interest is avoided. #creditchat

[Well Kept Wallet @WellKeptWallet]

A7: Fraud protection and dispute rights differ because credit cards typically offer stronger protections, while debit pulls money directly from your bank account. #creditchat

[Well Kept Wallet @WellKeptWallet]

A6: Cash can still be the best option in a digital-first world for tipping, small purchases, or setting firm spending boundaries on variable expenses. #creditchat

[Well Kept Wallet @WellKeptWallet]

A5: For everyday expenses like groceries or gas, credit can work if balances are paid in full, but debit is often better for keeping spending realistic and controlled. #creditchat