If your money is acting funny, then you need to come to the Work Your Package™ Women’s Conference on March 28. Sonya Smith-Valentine is a featured speaker and a Financial Success Coach who specializes in helping others define financial success and then being fierce enough to go after it. Sonya developed coaching programs to walk her clients through defining their financial goals and action steps to achieve those goals. She works with them individually and in small groups to help define their financial goals and to chart a roadmap to financial success. Thousands have benefited from the practical tools she has given them to attain financial success in their lives, careers and businesses.
What are the three biggest benefits you offer to your target audience and why?
When working with individuals, the three biggest benefits are (1) they learn how to prevent small financial issues from blossoming into large problems, (2) they learn the financial changes they should make to improve their financial situation, and (3) they learn the necessary mind shift they must make in order for them to truly be successful at improving their finances.
What are the top 3 questions asked by your [customers, readers, followers]?
The top three questions I get asked are: (1) how can I increase my credit score, (2) how can I get out of debt, and (3) how can I remove an item from my credit report.
If you had a list of ‘best-kept secrets’ [websites, books, coaches] you’d recommend, which would you include and why?
The two biggest secrets are (1) NACA – National Association of Consumer Advocates and (2) CFPB – Consumer Financial Protection Bureau.
The National Association of Consumer Advocates is a nationwide organization of attorneys who represent individuals in various consumer protection and personal financial matters. Usually if a lawsuit is necessary, the attorneys will represent the individual on a contingency fee basis. This means the person does not have to pay the attorney’s fees up front. The attorney will get paid out of the settlement or amount won at trial. This means that an individual can get an attorney’s help without having to worry about how to pay for it.
Unlike the FTC, the Consumer Financial Protection Bureau actually deals with individual complaints it receives from the public. If you have a dispute with a bank, credit card company, debt collector, student loan company, etc. and you complain to the CFPB, they will contact that company and work on getting a response from them.