Having a dilemma paying your credit card bills is a shared headache for the majority of the population. Half of America has credit card debt, and the coronavirus disease 2019 (COVID-19) pandemic has exacerbated this problem.
It forces millions of businesses to close, and in effect, millions of employees report to be jobless. With no employment, there is no inflow of money, and the number of people in debt would rise. Most also do not have savings that would last them for over three months. For everyone who is a part of the greater half who needs assistance managing debts and finances, Ray Smith and Trycera Financial have designed strategies to help.
Ray Smith, CEO of Trycera Financial, is a plain-spoken and down-to-earth guy. His farming background has made him a diligent worker and a passionate person. With over 20 years of experience helping people managing poor credit, he has established himself to take the lead of Trycera Financial from 2009 onwards.
Trycera Financial has put up a 3-step program called, “Successful Habits of The Rich!™”, for people who want to gain good credit and manage their money. Such is the label because the rich have learned and applied wise financial decisions and good money habits to build their wealth. Their team hopes to impart this knowledge and expertise to ordinary Americans.
The Successful Habits program features three phases. The first is RichMoney™, wherein they teach how to set up an accurate spending plan in under 30 minutes. They initially analyze one’s monthly expenditures, and from there, their software will calculate the amount of money needed every month for the next twelve months to cover an individual’s expenses. This method aims to eliminate stress and worries about finances and gives confidence in making informed spending decisions.
The second phase is RichCredit™, where they audit the client’s credit profile from the three major credit bureaus. From their findings, their team analyzes it for any mistakes or items that will affect one’s FICO score. The FICO score focuses heavily on a person’s on-time payments. One missed payment will affect the FICO score, such that it will decrease the chances of getting loans. If they have found any errors, they will correspond to the credit bureaus and collection agencies. This will, in turn, facilitate boosting the client’s credit score.
The last phase is RichWealth™. Here they will look at your debt and high-interest credit cards. They then set up for you a long-term plan to bring down high-interest debt down to zero and accumulate wealth. Liabilities are turned into working capital to gain assets.
The Successful Habits program helps a client learn the essence of money management and credit restoration, something not learned in ordinary schools and only from the elite. From this course, an individual will emulate how the rich accumulate their wealth and buy assets for their future inheritors.
Trycera Financial also offers unique programs for military personnel and first responders. Hopefully, these will aid them in cleaning up bad credit and securing their clearances and their promotions. They even have a program for small businesses called “American Business Funders” wherein they assist in accessing the working capital. During the COVID-19 pandemic, their firm announced new webinars to give aid to ordinary Americans on issues about their money – Turning Money Stress into Money Success.
As we undergo these hard times, it is best to find a mentor that will help secure one’s finances in the long run. It is a practical preparation that will set a person ahead of the pack once our everyday life gets better. Trycera Financial has the people and the tools to help their clients manage money, gain credit, and clear their debt to build assets and prepare for the future.
Explore further Trycera Financial services through their website, and find more information on various online platforms such as Facebook, Twitter, and Instagram. And make sure to watch this video where original Shark from Shark Tank and business executive Kevin Harrington endorses Trycera— a true testament to their unparalleled contribution in the financial industry.