Credit Counseling

Hello all!

Last week was an interesting week. Being in business, relationships are key. What’s one way to build new relationships? Find mixers around town and go to them.

This past week I attended a mixer and met a lady who works in the credit counseling business. I enjoy building mutually beneficially business relationships where you can support each others’ work. However, when I run into people in the credit counseling world, it’s a tough fit. I met one of those ladies at this mixer.

Although she was a nice lady, and certainly seemed like a good person, I find it quite unlikely that we’ll refer each other clients. Why is that you might ask? Because philosophically we believe in different things when it comes to money and finances.

The credit counseling world tends to revolve around making money from teaching you what your credit score is, how it’s created, and helping you improve it when it’s not looking so hot.

At the end of the day, as a society we’re way too concerned with our credit scores.


A credit score is ultimately a number that represents your likelihood to repay a debt, and a glimpse into your track record in handling debts that you’ve had in the past. If you never take on any debt, and never pay it back you will have no credit score. It’s ok, life will go on. You’ll pay for things in cash. You’ll find a way to save, and pay up front for an item instead of borrowing from your future self and buying something that you simply don’t have the money for in your pocket.

Debt payments slow down your ability to save, build wealth, protect your family, and prepare for a healthier financial future. It’s a safer bet to avoid debts all together.

So why all this talk about credit counseling? Well, because this credit counselor that I met said something in the course of conversation that I found very interesting.

She said, “Cash is king, but credit is power. Credit is mandatory.”

What a sales pitch…I got frustrated hearing that, and frankly a little upset.

If it were me talking it would sound something more like this, “Cash is king, and credit is toxic. Credit is unnecessary.”

Regardless of how powerful the marketing engine of Visa and MasterCard and all the other credit issuing institutions out there are; I’m here to tell you that life can be lived without credit. It’s not mandatory. We’ve been sold a lie.

There’s so much pressure to keep up with the Joneses. To live beyond our means. To ignore our finances and worry about it later. Well, one day “later” will catch up with people, and it’s likely to be painful.

There is another way.

If you don’t believe me, give me a call or send me an e-mail, and I’d be happy to sit down over a cup of coffee to explain the benefits of a debt free life. My treat, and it’ll be paid for with cold, hard, cash.

-Mobile Money Mentor



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