Michele Rankin, MBA Financial Coaching

Michele Rankin, MBA Financial Coaching I'm a Certified Finance Coach that can help you reach your personal financial goals. Stress less & achieve more with your money.

Ramsey Solutions Financial Coach Master

Appearances can be deceiving🍏Do you know the top 5 car brands the average millionaire drives?🍏 Ford🍏 Honda🍏 Toyota🍏 Chev...
07/22/2026

Appearances can be deceiving🍏

Do you know the top 5 car brands the average millionaire drives?
🍏 Ford
🍏 Honda
🍏 Toyota
🍏 Chevy
🍏 Lexus

DON'T GO BROKE TRYING TO LOOK RICH!

Food for thought:
Almost 80% of all brand new cars are financed through a loan or a lease. So, when you're driving around and find yourself thinking geez they must be doing really well.

I don't know, are they? 🤔

#𝒷𝑜𝑜𝓀𝓀𝑒𝑒𝓅𝒾𝓃𝑔

In ancient days, flocks and herds were the common currency, measuring personal wealth and family inheritance. People who...
07/19/2026

In ancient days, flocks and herds were the common currency, measuring personal wealth and family inheritance. People who wanted to build wealth knew exactly how many sheep, goats, or cows they had. Proverbs 27:23 challenges us to know our flocks... Be sure you know the condition of your flocks; give careful attention to your herds.

This same principle applies to finances: to experience financial peace, learn to manage the money God gave you well. Money is always moving, flowing from one thing to another. It flows away from those who don't manage it and toward those who do. Start by knowing exactly what you have and create a financial plan (budget) to take control.

Reflection Questions: Do you have a monthly budget? How often do you check your budget? What categories are budget-busters for you? What changes do you need to make in your budget?

Negotiating with creditors is something you can do yourself — no middleman required. Here's how to approach it effective...
07/13/2026

Negotiating with creditors is something you can do yourself — no middleman required. Here's how to approach it effectively:

💸Know What You're Negotiating For
The right strategy depends on your account status:
*Current account (still making payments): You can ask for a rate reduction, fee waiver, or hardship plan
*Past due or charged-off account: Settlement is on the table — creditors will often take less than you owe just to get something

💸Script the Conversation - I can help with this!

💸A few other must-knows:
*Get it in writing...Never send a single dollar until you have the agreement in writing. Once you pay, the creditor has no obligation to honor verbal promises. Get the written offer, then pay.
*Never give a debt collector direct access to your bank account — pay by cashier's check or money order
*Forgiven debt over $600 is taxable — if a creditor forgives $5,000, the IRS may count that as income and you'll get a 1099-C at tax time
*Medical debt is especially negotiable — hospitals have financial assistance and charity care programs. Always ask for the billing department (not collections) and specifically ask about financial assistance before negotiating a settlement number.

Need some help getting your personal finances in order? Schedule your free consultation today!

M R Bookkeeping & Personal Financial Coaching believes that financial freedom isn’t about a secret formula. It’s about c...
07/06/2026

M R Bookkeeping & Personal Financial Coaching believes that financial freedom isn’t about a secret formula. It’s about context. It’s about having a plan that makes sense for your business and life.

I’ve spent 30 years in the finance industry. I’ve seen the ups, the downs, and everything in between. But experience is only useful if it helps you sleep better at night. That’s why I don’t just hand you a generic roadmap and wish you luck. We collaborate and dig into the numbers together.

​Here is how we’re going to build your secure future:

💸We’ll define the goal. Whether your trying to get a handle on your day-to-day expenses, make sure your books are compliant or maybe you just want to be personally debt free so you can start living your life on your terms.

💸We’ll crunch the numbers. We will create financial reports to help you build out your business plan. If the services you need are personal financial coaching, we will build a budget that actually works and fits your own personal situation.

💸We’ll build confidence. One financial milestone at a time. You won’t just follow a financial plan; you’ll understand it.

​​You bring the goals. I’ll bring the strategy. Together, we’ll gain control of your finances so you can stop worrying about the money and start focusing on what you do best.

​ financialliteracy business investment wealth financialindependence personalfinance success stockmarket financialplanning motivation invest passiveincome trading realestate financialeducation debtfree stocks entrepreneurship creditrepair forex budgeting investor wealthbuilding workfromhome debtfreecommunity

M R Bookkeeping & Personal Financial Coaching believes that financial freedom isn't about a secret formula. It’s about c...
07/06/2026

M R Bookkeeping & Personal Financial Coaching believes that financial freedom isn't about a secret formula. It’s about context. It’s about having a plan that makes sense for your business and life.

I’ve spent 30 years in the finance industry. I’ve seen the ups, the downs, and everything in between. But experience is only useful if it helps you sleep better at night. That’s why I don’t just hand you a generic roadmap and wish you luck. We collaborate and dig into the numbers together.

​Here is how we’re going to build your secure future:

💸We’ll define the goal. Whether your trying to get a handle on your day-to-day expenses, make sure your books are compliant or maybe you just want to be personally debt free so you can start living your life on your terms.

💸We’ll crunch the numbers. We will create financial reports to help you build out your business plan. If the services you need are personal financial coaching, we will build a budget that actually works and fits your own personal situation.

💸We’ll build confidence. One financial milestone at a time. You won't just follow a financial plan; you’ll understand it.

​​You bring the goals. I’ll bring the strategy. Together, we’ll gain control of your finances so you can stop worrying about the money and start focusing on what you do best.

​

“We dare not forget that we are the heirs of that first revolution.” 🇺🇸John F. Kennedy ...
07/04/2026

“We dare not forget that we are the heirs of that first revolution.” 🇺🇸

John F. Kennedy

Don't let your kids run the show when it comes to your budget!💸Your kids are begging you for the latest video game. You ...
07/01/2026

Don't let your kids run the show when it comes to your budget!💸

Your kids are begging you for the latest video game. You think about how well they’ve behaved lately and figure, why not? But you know this is going to set you back just like it did last month and the month before that.

Whether it’s buying them toys, giving them an allowance, or just paying for their sports equipment, kids have a way of pulling you off track financially.

This is where budgeting really pays off. Decide how to budget for the things your children need. But what about all of their pesky wants? Consider the possibility of establishing chores and a commission (or allowance) for the work they do. This can help them establish a great work ethic, all while teaching them how important it is to wait for the things you want in life! This is such a valuable life lesson that will help mold them into good money managers.

Also, consider how long you’ll help cover their expenses—and when they’ll start footing the bill themselves. There’s a big difference between being a safety net and enabling bad money habits.

It may be a bit of a struggle with your little ones in the beginning, but trust me you are teaching them money habits that will help make their life less stressful as an adult.

I would love to help you put a budget together that meets the needs of your whole family and teaches your children the value of money through hard work.

New services coming soon! 💸Stay tuned… #𝒷𝑜𝑜𝓀𝓀𝑒𝑒𝓅𝒾𝓃𝑔
07/01/2026

New services coming soon! 💸

Stay tuned…
#𝒷𝑜𝑜𝓀𝓀𝑒𝑒𝓅𝒾𝓃𝑔

Adding to my skillset! 💸
06/26/2026

Adding to my skillset! 💸

If you’re in a tight financial season, remember this: you don’t have to do everything.Focus on the Four Walls — food, ut...
06/24/2026

If you’re in a tight financial season, remember this: you don’t have to do everything.

Focus on the Four Walls — food, utilities, shelter, transportation — and give yourself permission to let the rest pause.

Hard decisions aren’t fun, but they’re temporary.

Priorities keep you steady until things get better.

Schedule your free consultation and lets talk about your financial future! All you need is a plan and some accountability. 💸💸💸

Address

Hertford, NC

Telephone

+13307055677

Website

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