Our belief is those who actively evolve, striving to better themselves: mentally, emotionally, spiritually, physically, and financially find our best selves.
When not writing, cooking, or traveling, my 7lb poodle Don Mazi is the best part of my day.
Black Verbatim celebrates writers, solo travelers, and one who ‘has something to say’.
***Warning: the following is intended for intellects only, if not, engaging with the material may result in hurt feelings. Continue at own risk.
Black Verbatim Houses the musings of Queen Opinion: food for thought, biting wit, & prose best served cold.
Side effects may include: mental distress, spiritual awakening, nuance enrichment, and wounded egos.***
To the Blerds, Writers, Solo-Traveling Foodies & more | Welcome Home -qp
I am humbled to create a safe space for the people, that remind me of the women that reared me.
I want this to be a safe space for us, where so few exist.
We Want You! Word for Word…
Contact us On Our IG! We Want your Prose, Poems, or Essays (Maximum of 3 submissions per category)
Winner will have their work displayed on our Instagram TL.
Submission Guidelines For all Prose & Poems:
No more than 3 Submissions Do not exceed 21 total lines of poetryShort Stories May Not Exceed 10 Pages
Need a Credit Mentor?
Build Credit on a Budget | One on One Credit Coaching
How I Beat Credit Card Companies at Their Own Gain
My services are for you if:
- You’re just starting out
- Don’t know where to begin
- Want to build credit without credit cards
- Have no credit history
I started building credit as a high school senior. In two years, I grew my credit into the 700’s.
I am not rich, I have a strategy. It’s simple, use less than 30% of what’s available to me, pay what is in my name, in full, and early.
Here’s a free tip below below if you have a large credit card debt that seems impossible to paydown.
Send at least twice the amount requested, monthly. When I can pay more, I repeat the formula twice a month. My formula differs depending on my needs.
When I was living paycheck to paycheck I would pay just the minimum payment; I had to develop a better way to beat credit companies at their own gain…
Doorress
To ensure I’m never in that boat again, each pay period I pay myself first; which built my emergency fund into the thousands, this and my strategies saved me from crippling debt.
I had to start thinking about how I wanted credit to work for me.
I realized that by using my credit cards strategically I can make made my limited credit history work for me. By using credit cards that use favorable point systems I leveraged the systems they already have in place to work in my favor. For example, my points earned from purchases I was going to make anyway: bills, gas, food etc, funnels into points to pay for things I want and need, like free/discounted travel etc.
Grow Your Credit Using My Methods 
For Instance, if you wanted to BUILD credit like I did here, I pay off a big balance over 7 months or more. | Or, pay double what you owe early. 
It was comparing my Credit Score at 18 to those close to retirement.
Black Verbatim 
leading edge
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