Emerald Vision & Co.

Emerald Vision & Co.Emerald Vision & Co.Emerald Vision & Co.

Emerald Vision & Co.

Emerald Vision & Co.Emerald Vision & Co.Emerald Vision & Co.
  • Home
  • Wealth Building
  • Smart Loans
  • SimpleBooks
  • About Us+
  • More
    • Home
    • Wealth Building
    • Smart Loans
    • SimpleBooks
    • About Us+
  • Sign In
  • Create Account

  • Bookings
  • My Account
  • Signed in as:

  • filler@godaddy.com


  • Bookings
  • My Account
  • Sign out

Signed in as:

filler@godaddy.com

  • Home
  • Wealth Building
  • Smart Loans
  • SimpleBooks
  • About Us+

Account


  • Bookings
  • My Account
  • Sign out


  • Sign In
  • Bookings
  • My Account

Financial Growth

 Many Americans struggle with financial growth due to limited financial literacy. Understanding budgeting, saving, investing, and debt is essential but often overwhelming. Enhancing financial literacy helps us make informed decisions and avoid costly mistakes, paving the way for long-term stability and prosperity.

The Problems:

Not Enough Savings

  • Many Americans struggle with financial insecurity due to insufficient savings.
  • A 2023 Federal Reserve report shows nearly 40% of adults couldn't cover a $400 emergency without borrowing or selling assets.
  • A 2022 Bankrate survey found that 51% of Americans have less than three months' expenses saved for emergencies.
  • This lack of savings leaves people vulnerable to financial shocks, underscoring the need for a strong emergency fund for stability and security.

A Brighter Future Costs Money

  • Higher education is viewed as a pathway to a brighter future, yet it carries a large financial burden.
  • As of 2023, the average student loan debt per borrower in the U.S. is around $37,000.
  • Total student loan debt nationwide exceeds $1.7 trillion, according to the Federal Reserve.
  • This significant debt load can impact financial stability and delay milestones like homeownership and retirement savings.
  • The situation highlights the importance of financial planning and literacy for managing and overcoming debt.

Living Paycheck to Paycheck

  • Many Americans face the reality of living paycheck to paycheck, leading to growing credit card debt.
  • A 2023 survey by PYMNTS and LendingClub found that 63% of Americans struggle to cover daily expenses without relying on credit.
  • The Federal Reserve reported total U.S. credit card debt at an all-time high of $986 billion in early 2023.
  • This reliance on credit to manage everyday expenses often creates a debt cycle, emphasizing the need for effective financial planning and saving strategies.

The Only Person Richer than You Is You One More Dollar Saved

1: How do I create and stick to a budget?

 • A budget is like a plan for your money. It helps you see where your money is coming from and going to. Start by writing down your income and all your expenses. Then, decide how much you want to spend on different things. This way, you can avoid overspending and make sure you save for important goals. 

2: What is a credit score and how can I improve it?

 • Your credit score is a number that shows lenders how reliable you are with borrowed money. It comes from things like paying bills on time and how much debt you have. To improve it, pay your bills by their due dates, try to lower any debts, and don't get too many new loans at once. 


Quick Tip: Always pay your bills on time, as payment history accounts for 35% of your credit score.

3: How do I manage and reduce my debt?

 • Managing debt means keeping your borrowing under control and paying back what you owe in a smart way. This might mean paying off high-interest debts first (like some credit cards) and making regular payments. Making a clear plan to pay off your debts helps lower stress and frees up money for savings. 

4: How can I set realistic, achievable financial goals?

 • Think about what you truly want—both for the near future and later on. Break big goals into smaller, clear steps, like saving a certain amount every month for a vacation or a down payment.  Make your goal simple: decide what you want, how much you need, and when you want to reach it. Check your progress often and adjust if needed. 

5: How do compound interest and time affect my savings?

 • Compound interest is when your money earns money, and then that extra money earns more money. The key idea is to start saving early. The longer your money grows, the more it can multiply. Even saving a little bit now can grow into a much larger sum later on, thanks to compound interest. 

Services Offered:

Credit Score Growth

 Credit Score Growth 

✅ Full credit analysis & custom score-building plan
✅ Personalized debt repayment strategy
✅ Loan & credit card guidance

💡 Improve your credit and unlock better financial opportunities.

Budgeting Assistance

 Budgeting Assistance 

✅ Customized budget creation based on income & expenses
✅ Expense tracking & savings strategies
✅ Financial coaching to stay on track

💡 A strong budget is the foundation of financial success.

Financial Screenings

 Financial Screening 

✅ Comprehensive financial health check
✅ Spending, debt, and savings analysis
✅ Money-saving strategies & risk assessment

💡 Know where you stand financially and make informed decisions.

Starter 16+ (Financial Freedom)

 Starter 16+ (For Young Adults) 

✅ Beginner-friendly financial education
✅ Goal-setting & smart money habits
✅ Savings & credit-building basics

💡 Help young adults build a strong financial future.

Complete Package

 The Financial Growth Master Plan 

For those wanting long-term financial success, this package includes:
✔ Credit Score Growth
✔ Budgeting Assistance
✔ Financial Screening

📌 Standard Package: $600 - $1,000 (One-Time Deep-Dive Analysis + Plan)
📌 Premium Package: $1,500 - $3,000 (Includes 3-6 Months of Support & Coaching)

💡 A complete financial roadmap to success.

The Endless Rat Race

I know life can be very cynical. I know the future may not look as bright. Change can be yours. But life can be so much more.

Book An Appointment

 Copyright © 2025 Emerald Vision & Co. All Rights Reserved. A subsidiary of Sapphire Crest LLC. 

Powered by GoDaddy

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept