“The quicker you detect identity theft, the easier it is to recover.”

Antonio Eubanks


  • Equifax announced up to
    143 million people had their data compromised.
  • This data breach is different than most because of the type of data stolen.
  • You must have an action plan to protect your identity.
  • Learn as much as you can about your credit; monitor it and protect it.

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I’m not much for hyperbole, but it’s tough to understate the seriousness of the data breach that consumer credit reporting agency Equifax announced on Sept. 8. In case you haven’t been paying attention, stop what you are doing and pay attention.

I know you hear about data breaches all the time, but I assure you, this one is worse than all others. Most of the time the breach causes email addresses and/or credit cards to be compromised, like the Target and Home Depot breach.

I remember receiving a new debit card from my bank as a result. While it was slight inconvenience the problem was resolved fairly quickly.

Continue reading “Equifax Breach: How Can I Protect My Identity”

“You earn wages, only to put them into a bag with holes in it.” ~Haggai 1:6

Antonio Eubanks


  • Spend less than you earn is part of the answer.
  • Be conscious. Tracking your spending is a good financial practice.
  • If you can’t remember what you purchased, you have a money leak.
  • Analyze your spending habits to identify and repair money leaks.




The reality is, skipping or not skipping the latte will not change your life. Neither will splurging on the fluffier toilet paper nor even spending a little extra on that wedding gift. But strings of decisions do matter.

If you eat every meal out, buy only the finest home staples, or make a habit of indulging your every gifting whim, then the costs begin to add up.

Beyond the golden rule — spend less than you earn — it’s hard to be prescriptive, because expenses are the result of so many individual decisions, many of which feel inconsequential as we make them.

Continue reading “Quick and Easy Fix For Your Money Leak”

“Necessity is the mother of invention.” ~Unknown

Antonio Eubanks


  • Increase income to ease financial pains.
  • Creative ideas can fuel sources of income.
  • Service oriented business that solve problems can be lucrative.
  • The idea you least expect could be a possible winner.




Living with more money going out than coming in, is a source of constant frustration in a lot of people’s lives.  While reducing expenses is one option, finding ways to increase income is also tantamount to overcoming this financial mountain.  

One of the primary ways to change your life financially is by increasing your income. At first glance, this may seem daunting for those of us whose time is already sparse, however, with some creativity, finding that extra stream of income may not be as bad you think.

Continue reading “Your Key To Financial Success: Creative Income”

“Budget – telling your money where to go before your feelings do.” ~Anonymous

 Antonio Eubanks



  • Sticking to a budget can be hard, but it doesn’t have to be.
  • Comparing planned vs. actual and making necessary adjustments is key.
  • It takes time, but remember a budget is personal, and a work in progress.
  • Follow these 4 steps to be successful:
    • Plan, Track,  Compare and Adjust


SUCcessful budgeting

IT cAN BE difficult

We will admit that trying to live on budget can be a struggle. In fact, even started one is a daunting task for some.  However, living within your budget doesn’t always have to be so tough.  As we always do at 360FinanceED, we try to simply financial principals so they can be easily applied.

Starting a budget is actually easy, and living by the guidelines can be simplified if you use a budget as tool to build instead of one that confines.  An important step is to consistently compare your performance and adjust both your expectations and your behaviors on a regular basis.

Continue reading “Four Steps For A Succesful Budget”