The Wealth Culture

Cultivating Financial Prosperity in our Households and Communities

Do You Have A Financial Plan For Homecoming?

Have you started saving for your favorite summer and fall events? If not, it is not too late. Many of us like to attend events like family reunions, Essence Festival, Homecoming, or one of the many popular HBCU college football classics. But when we go, are we financially prepared? To be...

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​3 Financial Takeaways from the government shutdown.

I am very happy that we were able to avoid a second government shutdown. But while I am glad we didn’t have a second shutdown, I am still very disappointed that so many people, including myself, had to experience a shutdown of such magnitude. So many people were unfairly and unexpectedly put...

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What happened to my tax return?

What happened to my tax return?If you are working the same job you had back in December of 2017 you can go back and see a slight increase in your paycheck beginning around February of 2018. For a person earning $70,000 a year, that increase would have been around $40 a pay period (if paid...

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Tips to Financially Rock The Holidays

Hi my name is Denise and I am cofounder of The Wealth Culture and creator of Budgeting is BAE. And these are my tips on how to financially rock the holidays. The holidays are a special time of the year. They are super fun, super exciting but can be super stressful and super expensive. Tip...

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Save Money at the Pharmacy

We wanted to share a website/app that may save you a few dollars. We talk about this app in episode 2 of the Real Talk with Jay podcast during the Dollars and Cents segment. Dollars and Cents is a segment sponsored by The Wealth Culture. Once you download the app to your phone or tablet, simply...

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30 Day No Spend Tracker

Track your progress! 30 Days, No Spending on Non-Essentials Purchases. This tip is short and sweet. Work to go 30 days without spending money on non-essential purchases. Example: For most people, buying gas for your car is essential spending, while buying a large fancy cup of coffee is...

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Does Your Financial Health Look As Good As You Do?

A study was recently released by the Pew Research Center that stated for the first time since 1974, more African American children are living in poverty in the United States than any other demographic group. Keep in mind there are three times as many White children living in the United States...

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Do You Use Credit Like It Is Income?

Do you use credit like it is income? You might and not even realize it. When you purchase clothing, a TV, furniture or even a car, do you pay cash or use credit? If you say to yourself, “I can afford to make the monthly payment”, then you are using credit like it’s income. You should ask...

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The Wealth Gap – Explained in Animation

This animated short illustrates the historical impact of inequality on the African American Community. This video was viewed at a high school during a presentation hosted in alignment with Black History Month. The video was received with mixed emotions to say the least. Sometimes the truth...

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Unexpected Car Expenses

Unexpected car expenses can quickly turn your day upside down. If you don’t have the cash on hand for unexpected car expenses stress and panic can and will quickly set in. Unexpected expenses can cause a chain reaction of bad financial choices that can take you months or even years to undo. This...

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