The song Momma Said in 1961 was about how a girl was about to lose her mind over a new love interest. A few years later, my father told me before I got into a position in which I had to borrow money to take care of financial obligations, I should establish bank accounts at a credit union. I took advantage of his advice.

Although you may be able to relate to the mama said statement, you don’t have to have days when you have bad credit or are struggling to pay your bills. If this is you and you want more days of peace, financial freedom and financial opportunities, call 313-744-5977 or send an e-mail to [email protected]. If you would like help in budgeting, ask how you can get your free copy of Secret Budgeting Tips Revealed.