Shamika Saves

Shamika Saves Your one-stop-shop for information related to credit building products, credit repair, and finance tips | [email protected]

Yes!!! The U.S. Department of Veterans Affairs pays up to 1️⃣0️⃣ months of .They also pay for:* Rent that is currently ...
08/21/2026

Yes!!! The U.S. Department of Veterans Affairs pays up to 1️⃣0️⃣ months of .

They also pay for:

* Rent that is currently due or in arrears
* Certain lease penalties or fees
* Utility assistance for up to 10 months
* Security/utility deposits
* Moving expenses
* Short-term storage
* Essential furniture and household items
* Hotel or motel stays

‼️‼️‼️‼️‼️‼️‼️‼️‼️‼️‼️‼️‼️‼️‼️‼️

🚩 Link to :

https://thefederalregister.org/pdf/documents/2026-15301.pdf

🚩 Link to :

https://department.va.gov/homeless/supportive-services-for-veteran-families/

🚨Don’t Scroll Past This Opportunity! NO EXPERIENCE REQUIRED 🚨👉Apply by July 17, 2026👈If you’ve ever wanted to break into...
07/10/2026

🚨Don’t Scroll Past This Opportunity! NO EXPERIENCE REQUIRED 🚨

👉Apply by July 17, 2026👈

If you’ve ever wanted to break into the tech industry, this could be your chance.

This apprenticeship is designed to help people get their foot in the door—and you do NOT need prior cybersecurity experience to apply.

✅ No prior cybersecurity experience required
✅ Learn valuable technology and cyber skills
✅ Gain hands-on experience
✅ Explore a career field with long-term opportunities
✅ Build skills that can lead to government and private-sector careers
✅ Open the door to better-paying career opportunities

🔗 Apply here:
https://www.usajobs.gov/job/875318000

Share this with a Black woman who has been looking for a new opportunity. 🖤

Update:It’s not even a full 30 days and look at what happens to your after filing …If you/your:- EX, got you in debt-...
07/10/2026

Update:

It’s not even a full 30 days and look at what happens to your after filing …

If you/your:

- EX, got you in debt

- DL’s suspended

- Struggling to pay your bills

- Owe IRS, Food Stamps, Social Security

- Got repo’s, charge-offs, collections, evictions or

- YOU DON’T WANT TO PAY YOUR BILLS 🤫

Did you know there’s one simple form that could keep your loved ones out of probate?It’s called a Payable on Death, or P...
07/01/2026

Did you know there’s one simple form that could keep your loved ones out of probate?

It’s called a Payable on Death, or POD, designation.

A POD tells your bank exactly who should receive the money in your account when you pass away. The best part? That person has no access to your money while you’re alive. It only becomes effective after your death, helping your family avoid unnecessary delays and court proceedings.

But don’t stop there.

Take a few minutes this week and review all of your beneficiary designations.

Ask yourself:

✔️ Who is listed on my life insurance policy?
✔️ Who is the beneficiary of my 401(k), 403(b), or 457 retirement account?
✔️ What about my Traditional or Roth IRA?
✔️ Have I named a beneficiary on my bank accounts using a POD designation?
✔️ Do my investment or brokerage accounts have a Transfer on Death (TOD) beneficiary?
✔️ Have I updated my beneficiaries on my pension?
✔️ Do I have beneficiaries listed on my Health Savings Account (HSA)?
✔️ Have I reviewed my annuities?
✔️ If I’m a veteran, have I updated my VA Life Insurance beneficiary?
✔️ Do I have beneficiaries listed for my Thrift Savings Plan (TSP) if I worked for the federal government?
✔️ Have I reviewed any 529 education savings plans or other financial accounts?

Here’s something many people don’t realize…

Your beneficiary designation usually overrides what’s written in your will. If you got divorced, remarried, had children, or someone you named has passed away, it’s time to update your paperwork.

This isn’t just about money.

It’s about making one of the hardest times in your family’s life just a little bit easier.

If you’re not sure where to start, I can help you understand your options and organize your estate planning documents.

📅 Book your appointment today at www.ShamikaSaves.com

Protect your money. Protect your legacy.

Your credit score is starting to look a little like an episode of “Black Mirror.” 👀💛Here’s what’s happening: the newest ...
06/24/2026

Your credit score is starting to look a little like an episode of “Black Mirror.” 👀💛

Here’s what’s happening: the newest credit scoring models don’t just look at your credit cards anymore. They’re reaching for your FULL financial picture — rent, utilities, even how your bank balances move day to day.

✅ Models like UltraFico use “cash flow insights” (your spending + account balances)
✅ VantageScore 4.0 uses AI to predict where your finances are HEADED
✅ Big players like Fannie Mae are already adopting these — so this is the direction we’re going

The upside is real 🙌🏽: nearly 1 in 5 adults has little or no credit history even though 96% have a bank account. These models could finally open doors for people who’ve been told “no” just because their file was too thin.

But here’s the real talk 👇 the more data these systems pull, the closer it edges toward feeling like surveillance. Is sharing always going to be voluntary? And what happens when an AI prediction about you is just… wrong — and shows up as a denied car loan or mortgage?

Your move: know what’s in your credit file, read before you link your accounts, and keep your fundamentals strong. Don’t let a number define you. 🙏🏽

Save this. Share it. And if you want to take real control of your credit, book your free consultation at shamikasaves.com.

👍 Like 🔁 Share ➕ Follow 📅 Book: shamikasaves.com

finance

🚨 BIG changes are coming to student loans on July 1st! 🚨Under the new Working Families Tax Cuts Act, the old system is b...
06/22/2026

🚨 BIG changes are coming to student loans on July 1st! 🚨

Under the new Working Families Tax Cuts Act, the old system is being simplified down to just TWO main repayment choices for new federal loans. If you have a student loan or plan to take one out, here is what you need to know:

1️⃣ Repayment Assistance Plan (RAP):
Payments are capped at 1% to 10% of your income. Plus, you get $50 off your monthly bill per dependent, and the government will waive remaining unpaid monthly interest if you make on-time payments!

2️⃣ Tiered Standard Plan: A sliding-scale system where your repayment period matches your debt level (from 10 years for $25k or less, up to 25 years for $100k+), lowering your immediate monthly bill.

⚠️ Note for SAVE, PAYE, and ICR enrollees: The SAVE plan has been struck down by federal courts, and you will need to choose a new plan. PAYE and ICR are also being phased out.

Click the link below to see exactly how much your new monthly payment will be! 💸👇

🚩 https://en.as.com/latest_news/student-loan-changes-are-happening-soon-this-is-how-much-youll-pay-with-the-repayment-assistance-plan-f202606-n/

🏠 VETERANS — Don’t lose your home. There’s a brand-new lifeline you need to know about.The VA just launched the Partial ...
06/20/2026

🏠 VETERANS — Don’t lose your home. There’s a brand-new lifeline you need to know about.

The VA just launched the Partial Claim Program (June 15, 2026) to help Veterans behind on their mortgage AVOID foreclosure and stay in their homes. 🇺🇸

Here’s how it works:

Here’s how it works:
✅ Your mortgage servicer identifies if you qualify
✅ You complete a 3-month trial payment plan
✅ Once done, the servicer pays your overdue balance to make you current
✅ The VA reimburses that amount — you don’t repay until the loan is paid off, refinanced, or the home sells

In FY2025 alone, the VA helped 173,000 Veterans keep their homes. This new program adds even more protection. 💪

Struggling to reach your servicer? Call the VA directly: 877-827-3702, option 6

Knowledge is power — and your home is your foundation. Share this with a Veteran who needs it. 🔁

💰 At Shamika Saves, we believe financial education changes lives. Follow for more tools to protect your money, your credit, and your future.

🛑141 point increase in 3 days🛑Let me explain:1. June 16, 2026👉 Transunion was 527👉 Equifax 4552. Today, June 19, 2026👉...
06/19/2026

🛑141 point increase in 3 days🛑

Let me explain:

1. June 16, 2026

👉 Transunion was 527
👉 Equifax 455

2. Today, June 19, 2026

👉 Transunion is 668

▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️

What happened?

🗣️They filed 👉 BANKRUPTCY!!

▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️

Any questions??

🚨 CLOSED ACCOUNT ON YOUR CREDIT REPORT? READ THIS. 🚨Just because an account is closed doesn’t mean it’s gone… 👀Here’s wh...
05/01/2026

🚨 CLOSED ACCOUNT ON YOUR CREDIT REPORT? READ THIS. 🚨
Just because an account is closed doesn’t mean it’s gone… 👀
Here’s what that REALLY means for your credit:
❌ Can lower your credit score
📉 Increases your credit utilization
⏳ Impacts your credit history length
💳 You lose available credit + benefits
BUT… don’t panic 👇🏽
✅ Closed accounts can stay on your report for up to 10 years
✅ If it was in good standing, it can STILL help you
💡 Pro Tip:
Before closing ANY account… think long-term. Sometimes keeping it open (even with $0 balance) is smarter.
⚠️ See something wrong on your report?
You can DISPUTE it directly (like shown in the pic 👆🏽)

💼 Need help fixing your credit the RIGHT way?
Shamika Saves got you ✔️
📲 www.shamikasaves.com

Address

140 Tomahawk Drive
Indian Harbour Beach, FL
32937

Telephone

+13214994047

Website

Alerts

Be the first to know and let us send you an email when Shamika Saves posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Shamika Saves:

Shortcuts

Share