Home buying
One organization in Charlotte that has a first time homebuyers program
NACA
Habitat for Humanity
Dreamkey
First Citizens Bank
Bank of America
This agency in Charlotte was created by and is staffed entirely by people with lived experience of mental health challenges, substance abuse and incarceration.
promise resource network
Demonstrate square or box breathing
Breathe in for 4
hold for 4
Breathe out for 4
Hold for 4
"I am a loser" is an example of which unhelpful thinking habit
Labeling
The three big Credit Reporting Agencies
Equifax
TransUnion
experiorn
The minimum credit score acceptable for a traditional (not subprime mortgage)
620
What is one organization in Charlotte that will assist you with job training/support
Goodwill
Center for Community Transitions
Others?
The acronym S T.O.P in mindfulness stands for this ..
Stop
Take a breath
Observe with kindness
Proceed according to values
"My lawyer said I will get 5 years but I think the judge is going to give me life" is an example of what unhelpful thinking habit
Catastrophizing
If you have incorrect information on your credit report, you can write this kind of letter to the credit reporting agencies
Dispute
By making payment on a house, your money isn't going to a landlord. Instead you are building this...
Equity
The name of the Mecklenburg County Sheriff
Gary McFadden
Some people use a word to focus on during meditation, also called a
mantra
This type of therapy allows for the fact that some negative thinking and some uncomfortable feelings are a fact of human life but we can live with them and still move in the direction of our values
Acceptance and Commitment Therapy
This organization helps people who are not using the banking system to get bank accounts at Skyla, repair and build credit and access emergency loans
Commonwealth
In addition to your credit score, this number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow
debt to income ratio
This healthcare system has an employment program specifically for people with criminal records
Atrium
EFT is also known as
Tapping
"She looked at me funny so she must be mad at me" is an example of what unhelpful thinking habit
Mind reading
If you have a secured credit card to build your credit, your credit will actually go down if you charge more than this percent of you limit ( and don't pay the whole balance monthly )
30 percent
This type of mortgage will make your payments go up when interest rates go up
Adjustable rate
This agency can help you with a pending eviction and expunging your record (if your charges qualify)
charlotte center for legal advocacy
Name a meditation or mindfulness App
Calm
Insight Timer
10 percent happier
Others?
"I failed my test. I always fail everything" is an example of this unhelpful thinking style
all or nothing thinking
Personal Finance experts often suggest building an emergency fund of a minimum of ____ months
Three months