What are the opening hours?

Monday 10am - 1pm 2pm - 6pm Tuesday 10am - 1pm 2pm - 6pm Wednesday 10am - 1pm 2pm - 6pm Thursday 10am - 1pm 2pm - 6pm Friday 10am - 1pm 2pm - 6pm

http://generationalcreditsolutions.com/

Generational Credit Solutions, 3050 Post Oak Boulevard Suite 510, Houston, TX (2026)

09/29/2021

Most of us will experience periods where we have extra money and must decide whether to pay off debt, if any, or invest the money.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Debt can be categorized two ways...high interest and low interest.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Credit cards are considered high interest and it would warrant paying those down first. Then, you can move on to the low interest, which are investments.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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"Think about it like this. If all you have is $25,000 in credit card debt, the problem isn’t the debt itself so much as it is the $7,500 per year in interest expense you would owe the bank if you had a 30% APY. That is $625 per month in interest expense that you must pay toward your credit card debt without every paying off a penny of the principal. That is money you could have been using to buy high quality dividend stocks, invest in bonds, purchase shares of your favorite mutual fund, use as equity toward the acquisition of an apartment building, or even spend on a vacation for your family each year."

09/27/2021

Debt mistakes are made constantly.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So, be aware that a debt pile-up can happen to you if you are not always very cautious and careful about how you spend your money and how much money you are spending.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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It can all add up and turn out to be a major headache down the road for you. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Getting debt relief as early as possible is very important because if you let it consistently grow into a higher mountain of debt, then all you're really doing is destroying your chances of having any sort of stable financial future. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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I know you don't really want that, right? ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Debt can bring you down to a level so low that you never thought it'd be possible... before now. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Your debt problems can cause you health problems, as well as marital problems too!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Debt advice is very helpful and very important for anyone going through these types of struggles. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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However, with that said, it is also very crucial that the debt advice you are currently receiving is the most helpful and ACCURATE. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you are getting inaccurate debt advice then you could definitely end up in a worse financial shape than you are currently in.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Stay tuned in with us and we'll help you every step of the way.

09/25/2021

You choose a loan when you don’t have sufficient finances to meet your necessities...⠀⠀⠀⠀⠀⠀⠀⠀⠀
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I recommend writing your debts down and paying them with a purpose and a plan rather than running to get a loan. If your debt is leading you to a loan...you've got bigger problems that need to be addressed by either cutting down your expenses or creating more income.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Start with your written down debts and tackle the one that has the lowest amount owed, pay it off and keep the train going. You'll feel more accomplished and it will be easier to stick with the plan.

09/23/2021

There are many different things that anyone could do to try and get rid of some of their debt problems. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Do not feel bad about your financial situation, this kind of thing happens to everybody.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Debt relief tips can help drastically, with any current problems you might be having.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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It is important to get a grip on it now before it escalates into something much bigger and much more stressful. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So, the tips that I want to provide to you should give you some information that will get you well on your way to having a nice, less stressful life, a life that you can always enjoy. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Tip #1. Prepare yourself a monthly budget, ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Not just one to look at, but one that you will actually follow month by month. Down the road, after following this budget strictly, you will slowly but surely start seeing some of the results.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you recognize that you are definitely spending way too much money each month, try and cut corners wherever you see it to be possible. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Tip #2. Don’t be afraid to ask for professional help.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Some debt problems can get so drastic and so severe, that not even the smartest, richest man/woman could possibly get out of on their own, without the help of a professional. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Debt can eat at you day and night, causing you problems within your marriage or relationship. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So, realizing just how severe this problem is important, this can help you to seek the help you truly need.

09/21/2021

Financial success isn't that hard. Dedication, hard work, and a little old-fashioned commitment will get you there.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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But it also takes a little knowledge, because too many ppl are ignoring their money truths.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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You run up large amounts of debt just to appear successful to others. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
You surround yourself with things that only make you feel better for a minute.⠀⠀⠀⠀⠀⠀⠀⠀⠀
You ignore the fact that living debt-free and managing your money will eliminate stress!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So, what do you need to do to become financially successful?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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First, you need to spend less than you earn. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Sounds easy, but it really isn't. It is easier to spend less than it is to earn more. You simply have to cut your costs. You have to stop charging your credit cards and you have to stop shopping. Stop using those cards and start paying them off! They are draining the life out of your finances on a daily basis. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Look closely at where your money is going. You have to have/create a budget and stick with it. Budgets don't tell you how to spend your money, they tell you how to save your money. You can easily see where your money is going and identify areas you can cut back on and then set spending goals. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you are severely in debt, you may need to get a second job and sell some things to get a head start. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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You should be contributing to a retirement plan. Research your options and take advantage of them. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Start now. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Financial success isn't difficult. It is simply a habit that you have to nurture and maintain. Take the time to sit down and get started. Work on it until it becomes second nature. The more you work on it, the better you will become at it.

09/19/2021

Every financial planning and personal finance book you'll read advises starting a rainy day fund. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Some advise a fixed dollar amount, others say 3 to 12 months of income.. Still others suggest a certain number of month's living expenses.⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
So…⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
How much money should you save for financial emergencies?⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Well… According to Wallace D. Wattles, author of "The Science of Getting Rich"...⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
If you truly want to be wealthy… None.⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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That's right… Absolutely none!⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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In an article titled "The Constructive Attitude", Wallace D. Wattles wrote:⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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"... do not lay up for a rainy day. If you live right, think right, and work right, there will never be a rainy day for you. If you lay up for a rainy day, you will impress the subconscious with the fear of a rainy day; with the idea of weakness and incompetence, and so you will cause the rainy day to come."⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you stop and think about it...⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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He's right! Does this mean you shouldn't keep any extra money at all?⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
No!!⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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In the same article, Wallace D. Wattles wrote:⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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"... provide a surplus, so that you may take advantage of any new opportunity..."⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Once I began to build up a surplus to take advantage of new financial opportunities, instead of saving for financial emergencies, guess what happened then?⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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New financial opportunities started popping up all over the place… The financial emergencies disappeared!⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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The Law of Attraction makes your life into the exact image of whatever you focus your attention on most.

09/17/2021

One of the biggest contributors toward personal peace is financial peace. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Most assume that financial peace is only for those with lots of money, but in reality, you can be financially secure at almost any income level. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Avoiding common financial mistakes is the first step. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Common mistake #1. I'm Too Young to Settle Down⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Not investing in a home or buying one too late in life is a mistake that more and more people are making. (You can AirBNB your way to the top. Investing in a home doesn't always mean one you live in...rent one out!)⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Common mistake #2. But It Was On Sale!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Accumulating debt instead of savings is the next financial error to avoid. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Unless debt can almost guarantee you a future return, such as investing in a business, education or your home, it is best to avoid altogether. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Even purchasing automobiles with cash is better financially in the long run. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Common mistake #3. Do You Accept VISA for my Mortgage Payment?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Not having any liquid savings is another area that can end up hurting you financially. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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The minimum amount to be saved is 3-6 months of living expenses. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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This will help to cover loss of income or medical emergencies that may arise. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Common mistake #4. I Have Plenty of Time to Save⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Not saving for retirement is a mistake that is made all too often. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you do save, there is a good possibility it is not enough to retire on. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So, don’t make or stop making those mistakes. It may take some time to change your habits and actions, but it will pay well in the long run if you do.

09/15/2021

It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake. These penalty charges can amount to millions of dollars taken from consumers each month. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Never forget that credit card companies are, at the end of the day, a business.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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However, if you look at the entire situation from the point of view of the credit card company you must know that all they want from you is:⠀⠀⠀⠀⠀⠀⠀⠀⠀
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to keep your card safe, ⠀⠀⠀⠀⠀⠀⠀⠀⠀
to stay within your credit limit, ⠀⠀⠀⠀⠀⠀⠀⠀⠀
to make at least your minimum payment (always pay more if you can), on time every month. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So, if you manage to do these simple tasks you will avoid ever incurring a penalty on your account.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Taking these few simple steps can mean you are virtually never subjected to credit card penalties.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Got questions? Drop them in the comments below 👇🏻

09/13/2021

Credit card bills can be expensive. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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You may or may not have trouble paying your credit card bills when it comes to the end of the month and the bill arrives in the mail. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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No matter what your situation is, however, there is always one thing you will not, under any circumstances, want to see on your monthly credit card bill.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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And that is a credit card fee.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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The good news is that many credit card fees can be avoided by simply following a few simple rules and keeping on top of your finances and bills. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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The most important way to minimize the fees is to pay your bill on time and in full each month. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Generally, if you do this, you will be charged no interest or finance charges at all and will be receiving all the benefits of a credit card and over a month of credit absolutely free.

09/11/2021

Many people that go to college never expect to graduate and suddenly have big expensive debts. Now they, of course, are responsible for paying them back. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Debt can build up before you ever notice.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Paying back student loans can be very scary but knowing what to expect if that time comes is always better.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Creditors can be extremely pushy whenever it comes to collecting their money but avoiding them is only prolonging the inevitable. Especially if you keep your loans in deferment! And you and I both know that is never going to completely fix anything for you in a positive manner. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Make sure you know all of the terms and conditions so that everything is completely understood when taking the loan.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Your future could be brighter by taking some simple steps in planning and preparing more efficiently.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Having a financial plan is always crucial when determining whether or not you are going to be able to live by your means or end up struggling severely down the road because of your debt. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Make sure that you start saving money during college and planning for that time whenever you do finally graduate because that is the moment of truth and the time in your life where you will be responsible for paying back any student loans that you acquired during those years.

09/09/2021

Do you know that it takes on average between 25 to 30 years to pay off your credit card paying the minimum payment?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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This will not do. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So, here is what you can do to power down your debt:⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Make a list of all of your credit cards including all consumer debt such as doctor bills, furniture stores, and your home.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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List the following in columns: ⠀⠀⠀⠀⠀⠀⠀⠀⠀
the type of credit card⠀⠀⠀⠀⠀⠀⠀⠀⠀
principle amount⠀⠀⠀⠀⠀⠀⠀⠀⠀
regular payment amount⠀⠀⠀⠀⠀⠀⠀⠀⠀
power down payment ⠀⠀⠀⠀⠀⠀⠀⠀⠀
interest rate⠀⠀⠀⠀⠀⠀⠀⠀⠀
total number of payments left on the card ⠀⠀⠀⠀⠀⠀⠀⠀⠀
estimated payoff date⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Put your list in order of how many payments are left from least to most. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you make a minimum payment of $55/month on one of your cards until it is paid off in full, you then have $55/month freed up to add to the minimum monthly payment for the next credit card. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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After you pay off the second card, the amount you were paying on that one can be applied toward the third card. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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By doing this, you will decrease the number of years required to pay off your credit cards from approximately 30 years to nine years.

09/07/2021

Thanks to the constant stream of the credit card offers you receive in your email or through text messages few people understand that there are viable alternatives. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So, here are four of those alternatives. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Debit Cards ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Debit Cards are just like credit cards and are accepted in most places where credit cards are accepted. The biggest difference is that they take money directly from your bank account rather than you getting a bill at the end of the month.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Prepaid Cards ⠀⠀⠀⠀⠀⠀⠀⠀⠀
These cards work just like credit cards, except that you're not allowed to carry a negative balance. You deposit money into your card account before you can spend it which means that you ‘top-up’ the card... like you do with prepaid cell phones. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Traditional Loans ⠀⠀⠀⠀⠀⠀⠀⠀⠀
When you plan on purchasing a single big item at a fixed price - like a car or for home improvements it’s worth budgeting it all out and going to a bank or other type of lender. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Credit Unions⠀⠀⠀⠀⠀⠀⠀⠀⠀
Credit unions are like banks, only more local. They are cooperative, owned by their members and run by the community, and are a great place to borrow money. So it’s a solid alternative and well worth looking into if there’s one in your area.

Generational Credit Solutions

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