Black Girl Budget Podcast

S5E1: 4 Lessons In Moving Back Home

Welcome to season five of the Black Girl Budget Podcast! This season is all about preparing for your financial goals in the new year. In today's episode we talk about the good news we received from a BGB follower! She's moving back in with her mom, and there are so many lessons that came to mind. I'm going over four specific things you need to keep in mind as you prepare for 2023. 

- Leases vs Mortgages

- Setbacks vs Strategies

- Temporary Situations vs Long Term Goals

- The importance of being goal oriented

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Happy Budgeting!

S4E8: Season Review

Season fur was all about the different kinds of scams, schemes and predatory practices that have become common in the last few years. We're ending this season with a recap of each episode and a reminder to share the information you've learned with your friends and family. Season five will be here before you know it so make sure you subscribe to The Black Girl Budget Podcast! 

S4E7: Environments Shape Our Financial Perspective with Tremaine Wills

Show Notes

Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about the ways in which our environment can shape our financial perspective with Tremaine Wills of Mind Over Money. 

1. How does the lack of access to banking institutions in predominately black communities affect people?

2. Does being unbanked or underbanked to push black people to use more alternative financial services?

3. Examples of alternative financial services

4. Are cash-advance loans and payday loans predatory and if so, how?

5. Are these kinds of financial services common in predominantly black communities?

And more! Don't forget to check out Tremaine's resources at Mind Over Money!

 

S4E6: Financial Effects of Discrimination in Home Appraisals

Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about the predatory practices and discrimination within the home appraisal process and the red flags to look for. 

*Student Loan Update* 

1. What is a home appraisal process?
2. How is there racism/bias/discrimination in the process?
3. What are the effects of racism/bias/discrimination in the home appraisal process?
   1. Predatory 
   2. Wealth Gap 
   3. Paying More
   4. Selling Homes at a Lower Values
   5. Equity
4. How to recognize the red flags and what to do if you suspect discrimination during the home appraisal process?
5. How to prevent discrimination from happening?

- This month’s newsletter was sponsored by Sand Dollar Soapery. Use code BGBPerk for a 10% discount between September 1st and 10th.

- Appraisal Complaint National Hotline: 877.739.0096, refermyappraisalcomplaint.asc.gov 

- Fair Housing Specialist: 800.669.9777, Office of Fair Housing and Equal Opportunity

- Consumer Financial Protection Bureau: 855.411.2372, CFPB Online Form

S4E5: Is Your New Job Offer A scam?

Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about Employment Scams and the red flags to avoid them. Submit your question to be discussed on the podcast or a story, here. 

*Student Loan Update* 

1. What is a job scam?
2. What are the different versions of job scams?
3. How do scammers make these jobs sound appealing?
4. What happens if you fall for a job scam?
5. What are the red flags?
6. How to avoid these scams?

This month’s newsletter was sponsored by Sand Dollar Soapery. Use code BGBPerk for a 10% discount between September 1st and 10th. 

Government Jobs

Report Scams to the FTC

Report Scams to Your State Attorney General

S4E4: MLMs and Pyramid Schemes: Paths to Wealth?

Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about Multi-Level Marketing Companies and Pyramid Schemes and whether they're a path to wealth. Submit your question to be discussed on the podcast or a story of your experiences, here. 

*Student Loan Update* 

1. What is an MLM?
2. What is a Pyramid Scheme?
3. What are the differences between the two?
4. How do MLMs work?
5. Examples of MLMs
6. Who do MLMs target?
7. Are MLMs a way to become rich or wealthy?
8. Examples of Pyramid Schemes
9. What are the red flags?
10. Are MLMs (pyramid schemes pretending to be MLMs) worth it?

S4E3: Is Love A Scam?

Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about Romance Scams also referred to as Dating Scams and the red flags to look out for. Submit your question to be discussed on the podcast or a story, here. 

1. What is a romance scam?
2. What are some examples of romance scams?
3. Why do people fall for romance scams?
4. How to recognize red flags of romance scams?
5. When is enough, enough?

S4E2:$29.8 Billion Lost to Phone Scams

Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about the various kinds of phone scams that have stolen $29.8 billion dollars from victims. Submit your question to be discussed on the podcast or a story, here.

 

1. 30 Day Spending Challenge

2. Statistics on Phone Scams

3. Netflix Scam

4. Amazon Scam

5. Utility Scam

6. Free Gift Scam

7. Family Scam

S4E1: Scams Are Nothing New

Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about the origins and definitions of some of the most common scams we know of. Submit your question to be discussed on the podcast or a story, here. 

1. Why should I care about scams?
2. What are scams?
3. The First Recorded Scam
4. What are Ponzi Schemes? 
5. Why are they called Ponzi Schemes?
6. What is the difference between a Ponzi Scheme and Pyramid Scheme?
7. What’s the difference between a Pyramid Scheme and a Multi-Level-Marketing Scheme?
8. Predatory Lending Practices
9. Romance Scams

Season 4 Trailer

Episode 1 drops on August 6, 2022. Subscribe to the podcast.