I am Confident, pleasant, and present. I understand and implement modesty *when I could brag I don’t*. I am a great mediator for people who are facing issues, I am a good decision maker without prejudice. I embrace all my strength and vulnerabilities because they shape just who I am a Queen!
Terisha Bennett Lee is a sought after speaker and business consultant and Founder of The Propensities firm which is focused on optimizing people’s life and organization in three critical areas Faith, Purpose and Success.
We caught up with this CEO, Wife, and Mother to ask the question most asked: What is Propensity?
Terisha Bennett Lee: Propensities are characteristics, traits, habits, inclinations or tendencies. Knowing the propensities associated with great faith, walking in purpose and attaining success, EMPOWERING YOU, to identify your personal calling. While these areas are three distinct areas, and you can choose to work with me in just one, you will find often times they intersect.
I’ve put in the work, I’ve studied, I’ve researched. Yes! actually conducted research studies on success, resiliency, & purpose. I’m ready to share with you the propensities of empowered people. Participation in my uniquely structured workshops is exactly what you need TO BOLDLY WALK IN PURPOSE.
I can help you get unstuck. I am not a coach. I AM YOUR ADVOCATE. The workshops I host allows like-minds to learn and grow together utilizing my signature programs. They are empowered to make sense of their frustrations and not live the dreams and expectations of others. In February, I will be hosting my very first workshop of 2019 under the theme Ant-Vision Board.
Create a Plan to Pay it Off
There are financial penalties associated with allowing your holiday debt to move from one holiday season to the next like 29% of Americans. If you opt to make the minimum payments of $25 per month on a $1,000 debt it will take you until 2023 to eliminate that debt. I recommend that you tackle the debt simply by breaking down the payments. For instance, if you owe $1,000 in credit card debt, opt to pay off the debt in 3 months by making payments of $333. If a single payment feels financially frustrating, break the payment into two bi-weekly payments of $166.
Don’t Delay The Debt
You don’t have to wait until you get your credit card bills to start making payments, In fact, the more frequently you make payments, the less interest you’ll end up paying and the more quickly you’ll be paid off.
Target The High-Interest Rates First
While you may feel money motivated to eliminate a few small debts with smaller balances first. It is most financially beneficial to eliminate the debt with the higher interest rates first as higher interest rate cards will cost you more money over time.
Cut The Budget
To pay off your holiday debt quickly, take a look at what you might be able to live without for a few months. You could cancel some subscription services, eliminate eating out and make coffee at home to free up some cash. And you may find that even after your debts are paid off, you may not miss what you cut back on.
Minimize Costs You Can’t Cut
You can’t eliminate all of your monthly expenses, but there are plenty you can reduce. For example, you can cut your phone bill and cable bills.
Lower Your Interest Rate
The lower your interest rate on your credit cards, the less you’ll have to pay on top of your balances. Call the company and let them know that you’ve been shopping around for a better rate with you for a lower rate, which will allow you to pay off more quickly.”
You might be able to eliminate interest on your credit card debt altogether if you take advantage of a zero percent balance-transfer offer and pay off what you owe during the period when the low-to-no interest rate applies. Watch out for balance transfer fees, though.
Cut The Card
If you want to pay off holiday debt quickly, you have to avoid racking up more debt. Not only can using cash help reduce your reliance on credit but also it might help reduce your overall spending. After all, the Consumer credit card debt now stands at $808 billion.
Kel-li Cole is a writer, life coach, minister, actress, teacher, public speaker, beautician, nurse, entrepreneur and a mother to one handsome, anointed and talented son named Siyah Cole.
Kel-li Cole was raised and resides in Philadelphia, Pennsylvania. She is a member of the Better Life Church in Newark, NJ under the leadership of the beloved pastor, Ameer Natson. She is the CEO of Guideline Girls, a company geared towards changing the outlook on your current circumstances, speaking what you want to manifest in all areas of your life and providing resources in areas of health, finance, business, relationships, and spiritual connectivity.
Kel-li has mentored many young people and adults throughout the years. At the age of 14, she was given her own column in a newsletter for Meyers Recreational Center in Southwest Philadelphia. Her column was published every Thursday and she wrote about topics such as virginity, drugs, and violence. The young people at the center even voted her Most Opinionated and Mostly Likely to Challenge Management due to eloquent speech and valid points on many hard-hitting issues. Kel-li’s column was very popular and critically acclaimed amongst the youth in that neighborhood.
Kel-li currently mentors successful business owners as well as aspiring entrepreneurs on how to make their dreams a reality. Kel-li takes theoretical portions of scripture to assist with practical applications of her clients’ daily lives. Kel-li has helped to start and restore relationships and has also helped to rebuild a healthy family structure in the lives of the individuals she has counseled. Kel-li shares her God-given, wisdom through her book, ‘He Can Be Faithful’.
When this beautiful and multifaceted boss lady has free time, she loves to indulge in fine dining, fashion, and travel. She also enjoys sharing laughs with her friends, going on adventures with her son, watching movies, entertaining televisions shows and listening to music.
So many people are confused about where to go and how to get started. Elle digs deep to help you understand who you are and what you are called to do!