5 simple steps to take control of your credit, your money, and your peace of mind. No spreadsheets that make you feel worse. No lectures. Just one small action a day that fits around your real life.
By Melinda M. Garcia, LMSW · BCCC · CFSW
What you’ll do
Pull your free credit reports from all 3 bureaus and circle anything that looks wrong.
⏱ 15–20 minMap your 4 essential bills and due dates, and set alerts so nothing slips through the cracks.
⏱ 10–15 minGo through your last 30 days of spending and find what’s quietly eating your paycheck.
⏱ 20–30 minMake one credit-building move today and set a utilization target you can stick to.
⏱ 15–20 minBook your free credit strategy call and leave with a personalized plan.
⏱ 5 minFree guide
What this guide is
What it’s not
Go deeper in coaching
In one-on-one coaching we look at your numbers and the life behind them, as a Licensed Master Social Worker and Certified Financial Social Worker. Here’s what we work on together:
Built around your actual pay schedule, not a spreadsheet fantasy.
Which balances to attack first, and how to negotiate the rest.
So the next car repair doesn’t land on a credit card.
Where to park your money so it grows while you sleep.
Getting ready for a mortgage, a car loan, or your own business.
Talking about money with your partner and kids without a fight.
Work with me one-on-one
One hour on your biggest money question: your budget, a debt, or getting loan-ready. Upgrade to the package anytime.
Book a Single SessionThe guide and money coaching are financial education, not legal, tax, or investment advice. Coaching is separate from credit repair.
Grab the free guide, or book a free strategy call if you want a plan now. No pressure, no judgment.