Bread And Honey - The Money & Personal Finance Podcast Marble Financial

For those of you who may not know, your credit score is a three-digit number ranging from 300-900 that lenders use to check to see how financially reliable you are basically. And it's essential. 

But credit can be confusing, especially when you constantly hear different things from different people on what the best practices are for improving your score. Check out some of the most common credit score myths below: 
Myth 1: Asking for your credit score hurts it. 
Myth 2: Closing credit card accounts help improve credit health.
Myth 3: Higher pay brings higher scores. 
Myth 4: Paying the minimum keeps your credit score up. 
Well, ever wondered whether if these myths are true or not?
In this week's episode, Grace and Patricia are joined by credit expert and attorney Edward Jamison to identify fact from fiction, debunking those credit score myths. Have a listen to get some industry insider tips that will not only help you put those rumours to rest but help you begin boosting your credit score. 
Powered by Marble Financial. 
You can find all our podcasts here: https://www.mymarble.ca/breadandhoney 
Music by: LightBeats

November marks the 10th anniversary of Financial Literacy Month in Canada. This month, we want to help you on your journey to learning about your personal finances. But at times, figuring out where to start with your financial education can be difficult. 
In this episode, we chat with Patricia, our resident financial guru, and Ross Taylor, Financial Literacy Leader & Mortgage Specialist. Ross is no stranger in the financial world and is recognized as one of Canada’s leading difficult mortgage specialists — the one that both consumers and experts seek out for knowledge and assistance. Ross is a natural educator, which led him to create his website AskRoss.ca and resulted in winning Financial Literacy Leader of the year in 2017. 
Today, we discuss the importance of financial education, when you should start learning about your finances and how financial basics can help you with your budgeting, investing and saving. We chat all about mortgages from who you should have on your support team when searching for your dream home to striving to meet your financial goals. 
Don't forget, if you're looking to brush up on your financial knowledge, you can now enroll in Maestro by Marble. Maestro is our free financial literacy education platform with over 30 modules on a variety of different areas to help you better your budget, get out of debt and improve your credit. Learn how you can enroll for free here: https://learn.mymarble.ca/
Powered by Marble Financial.
You can find all our podcasts here: https://www.mymarble.ca/breadandhoney
Music by: LightBeats

In Episode Three, Join Grace & Patricia as they chat to Richard Moxley, Author & Credit Expert. Richard loves using his knowledge of credit to help Canadian’s understand their score and achieve their financial goals.  
After seven years of working as a Mortgage Broker, Richard finally had enough of watching the average Joe forced to pay thousands more in excess rates and fees, all because no one had taught them the rules of credit. From here, he wrote the best-seller The Nine Rules Of Credit, followed by The Credit Game. He wrote these books to guide Canadian’s on how they too can fix their credit, sharing industry secrets and insider tips, so you too can improve your score too.
We dissect the credit score and try to understand this sometimes mysterious three-digit number. Learn what is a credit score? How does it work? How do we improve our score? Credit scores have been around for a long time and they provide our lenders with a snapshot of our credit history and helps them to decide whether they will lend to us. Your credit score is unique to you.
Powered by Marble Financial.
You can find all our podcasts here: https://www.mymarble.ca/breadandhoney
Find out more about The Credit Game & The Nine Rules of Credit here: https://creditgame.net/ 
Music by: LightBeats

In episode four, Join Patricia & Grace with our guest – Patricia Gagic. Patricia is an award-winning international contemporary Artist, Author, Entrepreneur, Visionary and certified mindfulness practitioner – Patricia will show us how the power of mindfulness and manifesting has helped her achieve her goals in life and how we too can use these techniques. 
She is represented by 13th Street Gallery in St. Catharines, Artworld Fine Art in Toronto, Ontario, FACEC International in France, Paul Fisher Gallery in Florida and Gallery on the Bay in Hamilton, Ontario. Patricia exhibited with BB International Fine Arts in Geneva, Berlin, Korea, Austria, and Zurich.
In 2018, Patricia won the Gold Medal in Photography at the SNBA at the Carrousel du Louvre in Paris, France. ATIM (Art Tour International Magazine) named Patricia, Artist of the Year 2020. She is a recipient of the 2017 Excellence in the Arts for Courage and Commitment to Human Rights, Dignity and Freedom by the Canadian Civil Liberties Association. In 2019 she was awarded the Silver Medal in Photography and in 2021 she will receive the Pewter Medal in Painting from the Societe Academique Arts, Sciences and Lettres in Paris, France.
Patricia is recognized by the Women’s Executive Network (WXN) as one of the top 100 most powerful women in Canada awarded by the BMO Arts & Communication Award in 2015, Patricia has presented on the stage at Carnegie Hall, the Harvard Club of Boston and Nasdaq in New York City. Patricia was inducted into the WXN Hall of Fame in 2018. Patricia has a lifetime of volunteering and activism and is Co-founder and Chief Visionary Officer of Help Heal Humanity.
Patricia is a Certified Meditation Specialist/Facilitator completing her Certification in Applied Mindfulness and Transformative Mindfulness and Mindfulness without Borders from Factor Inwentash Faculty of Social Work at the University of Toronto.  At the end of this episode, Patricia will guide us through a mindfulness practice that we can integrate into our daily lives –stay tuned!
Powered by Marble Financial: https://mymarble.ca/ 
Music by Lightbeats & Praded. 

Bread And Honey is the brand new money podcast powered by our friends at Marble Financial. In this series, your host Grace and financial guru Patricia aim to delve into the world of personal finance and help you discover all the need-to-knows about your credit score, budgeting, saving, investing, and so much more, speaking to guests from a wide range of financial backgrounds. Let us take you on a journey to a better financial future.
Music by LightBeats.