The Impact Factor™ Blog

How to Increase Your Credit Score by Maximizing the 5 Factors that Impact Credit

By Holly | May 21, 2019
Increase Your Credit Score

A high credit score is a component of good financial health. Your credit score is number between 350 and 850 that is determined by a secretive, mathematical formula created by Fair Isaac and Company aka FICO. There are five factors that impact credit, and while the actual formulas lenders use to determine loan worthiness are…

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8 Reasons to Offer Workplace Financial Wellness to Employees

By Holly | May 17, 2019

It’s important that businesses seriously consider the overall wellness of their employees. In addition to physical health, the best employers are supporting their workforce with their financial health as well, with workplace financial wellness programs.  According to a 2018 Employee Financial Wellness Survey, many workers are concerned about their economic well-being: –       Over 50% of…

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Why You Need Visual Goals For Your Finances

By Holly | May 10, 2019
visual goals for finances

“This article was originally published at” Let’s talk money goals. What are yours? If you have a big, audacious financial goal, it can seem really overwhelming — maybe you’re wondering how you can keep yourself motivated, or how to tackle the goal in the first place. What if there’s a fun way to do it…

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10 Most Common Events That Can Disrupt Your Financial Plan & Why Just in Time Financial Planning Can Help

By Holly | May 1, 2019

What is just in time financial planning? If you are facing a financial decision it could be the solution you need. It can be hard to know what kind of financial advice you’re going to need until you need it. Have you ever been faced with a financial decision and didn’t know what to do?…

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The Difference Between Business and Personal Credit

By Holly | April 30, 2019

If you are starting or building a business, then you know there are times when you need money. You need money to grow, pay yourself, and get more clients. Money pays for marketing, more employees, new projects, needed equipment, and more. Where does this money come from? In the absence of startup capital, positive cash…

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Sixteen Reasons to Hire a Financial Coach

By Holly | April 18, 2019

The financial coaching industry is booming, and there is mainstream enthusiasm for financial education like never before. It used to be that only “money nerds” wanted to talk about personal finance. Today, everyone wants to talk about money and learn how to create wealth. In a society where money education in school is still largely…

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Unique Challenges High Earners Face

By Holly | February 9, 2019
The Unique Challenges High Earners Face

Being a high earner does not mean the absence of financial stress. In fact, more often than not, more money comes with more financial stress. More money in your life can mean more decisions, more energy to earn it, more people asking you for money, and the uncertainty that you are doing the “right thing”…

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3 Ways to Reach Financial Independence

By Holly | October 11, 2018

What I love about financial independence most is there are many ways to get there. You may love your job and want to advance in your career but you also want to retire at 50 to Nova Scotia. Or, you may dream of the day you can quit your job and do something new. You…

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Six Steps to Be the Person Who Has the Life You Want

By Holly | September 5, 2018

In 2012, I was invited to a retreat by the leader himself, a man I would consider a modern-day spiritual guru. What I liked about this man was that in one moment he would tell me about spending his thirties meditating eight hours a day in an Indian Ashram, and in another share a story…

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Change Your Story and Change Your Life

By Holly | May 28, 2018

Not too long ago, I made self-care my number one priority. I believed if I was stronger mentally, emotionally, and physically I could do everything better. I allowed myself to dream. I encouraged myself to dream bigger.   I gave myself the grace and the space to learn what makes me tick, what makes me…

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