debt | Serenity Financials

Creating a Debt Repayment Plan

When you don't take steps to repay debt, it can grow into a force to be reckoned with. The reason is that debt collectors often assess...

Is it Better to Save Money or Pay Off Your Debt?

If you’re fortunate enough to have an income that exceeds your bills, it can be confusing to figure out how to put that positive cash...

Taking Responsibility for Your Financial Situation

Probably your least favorite thing to do when you’re in financial hot water is to fully accept responsibility for what’s happened over...

Are Your Friends and Family a Threat to Your Finances?

We love our friends and family, but some of them can be a hazard to our financial health. Have you ever taken the time to consider the...

Welcome to Money Talks!

We make numbers make sense! I am Frances Frazier, woman of God, single-mother of three, and owner of Serenity Financials. I work a...

GETTING OUT OF DEBT:THE SNOWBALL EFFECT

Do you have too much debt and no idea how to get rid of it? Fortunately, there's a fast, easy, effective way to say goodbye to debt! The...

10 Steps to Strengthen Your Finances

Eight years ago I made a decision that ultimately turned my entire life around. I found myself in mounds of debt to the tune of over...