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Having credit makes life so much easier. You are given the ability to get something – an item or service – now and pay for it later. The marketing tactics employed by many companies are designed to get you to buy regardless of your ability to repay the money or not. Credit card offers are sent via email and snail mail daily. They make you feel special and entitled to the things you want even though you cannot pay for them. 

The government encourages citizens to spend money in order to keep the economy afloat. During the pandemic, they even provided families with spending money so they could “do their part” in bolstering the economy. During the holidays, Black Friday sales are advertised as if they are there to help the consumer when in fact, it is the most efficient way to get rid of older model items as well as makeup for missed sales during the other eleven months of the year.  It feels great to give gifts, but when the January credit card bills come around, people get a “holiday hangover” and start to worry about how to pay the bills.

Maybe you were in a situation similar to my guest. She was interested in replacing her car after an accident, but her credit wouldn’t allow it. They, her and her husband, needed their daughter to cosign for the loan. As you can imagine, it was quite embarrassing. 

Jennifer Rickard is a mortgage loan officer, an author, and a ghostwriter. That brush with bad credit was all it took to light a fire under her. She and her husband Kevin started studying the best ways to improve credit scores for themselves and their clients. 

Before starting creditbotox.com, Jennifer put her theories to the test. She helped people for free. She wanted proof that her methods weren’t a fluke. As a loan officer, she had to turn people away from their dream homes because their credit wasn’t up to par. Serving people comes naturally to Jennifer. She has always been in a service-based industry, this is just the next natural step. Now, she’s developed several different programs to help people reach their financial goals.

Consequences of Having Bad Credit

  • Higher insurance premiums
  • Difficult time getting a job and/or security clearance
  • May have to pay more for purchases 
  • May have to secure credit cards with cash

Biggest Benefits of Having Good Credit

  • Approval for cell service or utilities without a security deposit. 
  • Better interest rates on credit cards and/or loans 
  • May be approved for a higher credit line
  • Better choice of neighborhoods and houses

Side effects of Bad Credit on Your Mental Wellness

  • Shame – people won’t share their financial situation with family or friends. They continuously buy things to keep up appearances only to make the situation worse. 
  • Fatigue – people with extreme money troubles aren’t able to get the required amount of sleep. Some of them spend that time working overtime at their job or if OT isn’t available, they’ve taken on a second job. The feelings of anxiousness may also just cause the person to lay awake at night.
  • Lower self-esteem – people attach the balance in their bank accounts or the limit on their credit cards to their self-esteem.  Debt can cause people to feel uneasy and unprotected because if there was an emergency, there is nothing they can do financially. 

For right now, full Credit Botox service is only available in the state of Florida. You can still visit the site and get a complimentary consultation to find out where you should start. Make sure you follow Jennifer Rickard on socials and let her know you heard about her on the Authentic Wellness Podcast.  

Having credit makes life so much easier. You are given the ability to get something – an item or service – now and pay for it later. The marketing tactics employed by many companies are designed to get you to buy regardless of your ability to repay the money or not. Credit card offers are sent via email and snail mail daily. They make you feel special and entitled to the things you want even though you cannot pay for them. 

The government encourages citizens to spend money in order to keep the economy afloat. During the pandemic, they even provided families with spending money so they could “do their part” in bolstering the economy. During the holidays, Black Friday sales are advertised as if they are there to help the consumer when in fact, it is the most efficient way to get rid of older model items as well as makeup for missed sales during the other eleven months of the year.  It feels great to give gifts, but when the January credit card bills come around, people get a “holiday hangover” and start to worry about how to pay the bills.

Maybe you were in a situation similar to my guest. She was interested in replacing her care after an accident, but her credit wouldn’t allow it. They, her and her husband, needed their daughter to cosign for the loan. As you can imagine, it was quite embarrassing. 

Jennifer Rickard is a mortgage loan officer, an author, and a ghostwriter. That brush with bad credit was all it took to light a fire under her. She and her husband Kevin started studying the best ways to improve credit scores for themselves and their clients. 

Before starting creditbotox.com, Jennifer put her theories to the test. She helped people for free. She wanted proof that her methods weren’t a fluke. As a loan officer, she had to turn people away from their dream homes because their credit wasn’t up to par. Serving people comes naturally to Jennifer. She has always been in a service-based industry, this is just the next natural step. Now, she’s developed several different programs to help people reach their financial goals.

Consequences of Having Bad Credit

  • Higher insurance premiums
  • Difficult time getting a job and/or security clearance
  • May have to pay more for purchases 
  • May have to secure credit cards with cash

Biggest Benefits of Having Good Credit

  • Approval for cell service or utilities without a security deposit. 
  • Better interest rates on credit cards and/or loans 
  • May be approved for a higher credit line
  • Better choice of neighborhoods and houses

Side effects of Bad Credit on Your Mental Wellness

  • Shame – people won’t share their financial situation with family or friends. They continuously buy things to keep up appearances only to make the situation worse. 
  • Fatigue – people with extreme money troubles aren’t able to get the required amount of sleep. Some of them spend that time working overtime at their job or if OT isn’t available, they’ve taken on a second job. The feelings of anxiousness may also just cause the person to lay awake at night.
  • Lower self-esteem – people attach the balance in their bank accounts or the limit on their credit cards to their self-esteem.  Debt can cause people to feel uneasy and unprotected because if there was an emergency, there is nothing they can do financially. 

For right now, full Credit Botox service is only available in the state of Florida. You can still visit the site and get a complimentary consultation to find out where you should start. Make sure you follow Jennifer Rickard on socials and let her know you heard about her on the Authentic Wellness Podcast.  

Melanated and Missing - Sophia Antoine, CLC
Santana Buckner - Missing

William Robinson IV

Mr. Robinson has been missing since October 19, 2021. He is 21 years old and is differently-abled. He is considered endangered. He went missing from Atlanta, Georgia. William is 6’1” with a medium brown complexion. He sports a shaved head and weighs 150 pounds. He has beautiful brown eyes and isn’t known to wear glasses or contacts. William has a tattoo of the name “Latashia” on his arm, “I will prosper” on his right forearm, and a shark on his bicep.

When he was last seen, he was wearing all black. William left a suicide note. His family states he may be suffering from a mental health crisis. Please contact authorities if you see him.

This information was obtained from 𝗯𝗹𝗮𝗰𝗸𝗮𝗻𝗱𝗺𝗶𝘀𝘀𝗶𝗻𝗴𝗶𝗻𝗰.𝗰𝗼𝗺

𝗣𝗹𝗲𝗮𝘀𝗲 𝘃𝗶𝘀𝗶𝘁 𝘁𝗵𝗲𝗺 𝗳𝗼𝗿 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗼𝗻 𝗺𝗼𝗿𝗲 𝗺𝗶𝘀𝘀𝗶𝗻𝗴 𝗯𝗲𝗮𝘂𝘁𝗶𝗳𝘂𝗹 𝗯𝗹𝗮𝗰𝗸 𝗮𝗻𝗱 𝗺𝗶𝘀𝘀𝗶𝗻𝗴 𝗽𝗲𝗼𝗽𝗹𝗲.

Sophia Antoine

Sophia Antoine

Life Coach + Podcast Host

𝙎𝙤𝙥𝙝𝙞𝙖 𝘼𝙣𝙩𝙤𝙞𝙣𝙚 𝙞𝙨 𝙖 𝙡𝙞𝙛𝙚 𝙘𝙤𝙖𝙘𝙝, 𝙥𝙤𝙙𝙘𝙖𝙨𝙩𝙚𝙧, 𝙖𝙣𝙙 𝙗𝙡𝙤𝙜𝙜𝙚𝙧 𝙤𝙣 𝙨𝙚𝙡𝙛-𝙘𝙖𝙧𝙚 𝙩𝙤𝙥𝙞𝙘𝙨. 𝙎𝙝𝙚 𝙨𝙥𝙚𝙘𝙞𝙖𝙡𝙞𝙯𝙚𝙨 𝙞𝙣 𝙨𝙪𝙥𝙥𝙤𝙧𝙩𝙞𝙣𝙜 𝙬𝙤𝙢𝙚𝙣 𝙨𝙩𝙧𝙪𝙜𝙜𝙡𝙞𝙣𝙜 𝙬𝙞𝙩𝙝 𝙖𝙨𝙨𝙚𝙧𝙩𝙞𝙫𝙚𝙣𝙚𝙨𝙨, 𝙖𝙣𝙭𝙞𝙚𝙩𝙮, 𝙞𝙢𝙥𝙤𝙨𝙩𝙚𝙧 𝙨𝙮𝙣𝙙𝙧𝙤𝙢𝙚, 𝙖𝙣𝙙 𝙤𝙩𝙝𝙚𝙧 𝙨𝙚𝙡𝙛-𝙚𝙨𝙩𝙚𝙚𝙢 𝙧𝙚𝙡𝙖𝙩𝙚𝙙 𝙙𝙞𝙛𝙛𝙞𝙘𝙪𝙡𝙩𝙞𝙚𝙨. 𝙎𝙤𝙥𝙝𝙞𝙖 𝙚𝙢𝙥𝙡𝙤𝙮𝙨 𝙘𝙤𝙜𝙣𝙞𝙩𝙞𝙫𝙚 𝙗𝙚𝙝𝙖𝙫𝙞𝙤𝙧𝙖𝙡 𝙩𝙝𝙚𝙧𝙖𝙥𝙮 (𝘾𝘽𝙏) 𝙖𝙣𝙙 𝙧𝙖𝙩𝙞𝙤𝙣𝙖𝙡 𝙚𝙢𝙤𝙩𝙞𝙫𝙚 𝙗𝙚𝙝𝙖𝙫𝙞𝙤𝙧𝙖𝙡 𝙩𝙝𝙚𝙧𝙖𝙥𝙮 (𝙍𝙀𝘽𝙏) 𝙩𝙚𝙘𝙝𝙣𝙞𝙦𝙪𝙚𝙨 𝙩𝙤 𝙝𝙚𝙡𝙥 𝙬𝙤𝙢𝙚𝙣 𝙙𝙚𝙫𝙚𝙡𝙤𝙥 𝙩𝙝𝙚 𝙨𝙠𝙞𝙡𝙡𝙨 𝙩𝙝𝙚𝙮 𝙣𝙚𝙚𝙙 𝙖𝙣𝙙 𝙜𝙪𝙞𝙙𝙚 𝙩𝙝𝙚𝙢 𝙩𝙤 𝙖𝙪𝙩𝙝𝙚𝙣𝙩𝙞𝙘 𝙬𝙚𝙡𝙡𝙣𝙚𝙨𝙨 – 𝙙𝙤𝙞𝙣𝙜 𝙬𝙚𝙡𝙡𝙣𝙚𝙨𝙨 𝙤𝙣 𝙩𝙝𝙚𝙞𝙧 𝙩𝙚𝙧𝙢𝙨 𝙖𝙣𝙙 𝙣𝙤𝙩 𝙙𝙞𝙘𝙩𝙖𝙩𝙚𝙙 𝙗𝙮 𝙖𝙣𝙮𝙤𝙣𝙚 𝙚𝙡𝙨𝙚.

𝙁𝙤𝙧 𝙢𝙖𝙣𝙮 𝙮𝙚𝙖𝙧𝙨, 𝙎𝙤𝙥𝙝𝙞𝙖 𝙬𝙖𝙨 𝙙𝙧𝙖𝙬𝙣 𝙩𝙤 𝙝𝙚𝙡𝙥𝙞𝙣𝙜 𝙥𝙚𝙤𝙥𝙡𝙚 𝙘𝙡𝙤𝙨𝙚 𝙩𝙤 𝙝𝙚𝙧 𝙗𝙚 𝙖𝙘𝙘𝙤𝙪𝙣𝙩𝙖𝙗𝙡𝙚 𝙖𝙣𝙙 𝙧𝙚𝙖𝙘𝙝 𝙩𝙝𝙚𝙞𝙧 𝙜𝙤𝙖𝙡𝙨. 𝙎𝙝𝙚 𝙬𝙖𝙩𝙘𝙝𝙚𝙙 𝙖𝙨 𝙛𝙧𝙞𝙚𝙣𝙙𝙨 𝙖𝙣𝙙 𝙛𝙖𝙢𝙞𝙡𝙮 𝙢𝙖𝙙𝙚 𝙥𝙤𝙨𝙞𝙩𝙞𝙫𝙚 𝙡𝙞𝙛𝙚 𝙘𝙝𝙖𝙣𝙜𝙚𝙨 𝙖𝙣𝙙 𝙙𝙚𝙘𝙞𝙙𝙚𝙙 𝙩𝙤 𝙨𝙩𝙖𝙧𝙩 𝙖 𝙘𝙤𝙖𝙘𝙝𝙞𝙣𝙜 𝙥𝙧𝙖𝙘𝙩𝙞𝙘𝙚. 𝙋𝙧𝙞𝙤𝙧 𝙩𝙤 𝙗𝙚𝙘𝙤𝙢𝙞𝙣𝙜 𝙖 𝙘𝙤𝙖𝙘𝙝, 𝙎𝙤𝙥𝙝𝙞𝙖 𝙬𝙖𝙨 𝙩𝙝𝙚 𝙥𝙧𝙞𝙢𝙖𝙧𝙮 𝙘𝙖𝙧𝙚𝙜𝙞𝙫𝙚𝙧 𝙛𝙤𝙧 𝙝𝙚𝙧 𝙝𝙪𝙨𝙗𝙖𝙣𝙙. 𝙃𝙚 𝙬𝙖𝙨 𝙙𝙞𝙖𝙜𝙣𝙤𝙨𝙚𝙙 𝙬𝙞𝙩𝙝 𝘾𝙝𝙧𝙤𝙣𝙞𝙘 𝙆𝙞𝙙𝙣𝙚𝙮 𝘿𝙞𝙨𝙚𝙖𝙨𝙚, 𝙚𝙣𝙙𝙪𝙧𝙚𝙙 𝙛𝙞𝙫𝙚 𝙮𝙚𝙖𝙧𝙨 𝙤𝙛 𝙙𝙞𝙖𝙡𝙮𝙨𝙞𝙨, 𝙖𝙣𝙙 𝙪𝙣𝙙𝙚𝙧𝙬𝙚𝙣𝙩 𝙖 𝙨𝙪𝙘𝙘𝙚𝙨𝙨𝙛𝙪𝙡 𝙠𝙞𝙙𝙣𝙚𝙮 𝙩𝙧𝙖𝙣𝙨𝙥𝙡𝙖𝙣𝙩 𝙨𝙪𝙧𝙜𝙚𝙧𝙮. 𝙏𝙤𝙜𝙚𝙩𝙝𝙚𝙧, 𝙩𝙝𝙚𝙮’𝙫𝙚 𝙧𝙖𝙞𝙨𝙚𝙙 3 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣 𝙖𝙣𝙙 𝙘𝙪𝙧𝙧𝙚𝙣𝙩𝙡𝙮 𝙧𝙚𝙨𝙞𝙙𝙚 𝙞𝙣 𝙎𝙤𝙪𝙩𝙝𝙬𝙚𝙨𝙩 𝙁𝙡𝙤𝙧𝙞𝙙𝙖.

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