Financial Planning

By

Ginaya Donnette

Should you have a financial planner?
​
In short, Yes! 

​After getting divorced last year I was very overwhelmed with what I needed to do to organize my finances. There was enough to pay my bills but once my child support ends I’d be high and dry without additional funds.  My desire is always to think ahead and make decisions now that would prepare me for the future. I want to give ‘future Ginaya’ a boost so she can be golden.

Bankruptcy was on my mind even though I knew I could manage without doing that, it just seemed important at the time to start fresh.  Not to mention I had racked up $15,000 in credit card debt.  Instead of making a rash decision, I asked my big sister her opinion and she gave me the number to a Black financial planner named Keisha Smith based in Columbus, OH. After our first conversation she asked me my concerns and laid out hers.  This is more than a budget (although we reviewed that too).

Only after a few months of rigorous action, my savings is bigger than ever and my credit score is up to 700 and climbing.  You have to commit to doing the work to get there but I can’t tell you how great it feels to have someone who knows your vision and helps you move closer to it with real input and clarity.  Yes, get yourself a planner.  Better yet, call me and I’ll give you Keisha’s number (wink).