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Author: cclerisme (Clerisme Caroline)

Home / cclerisme
Episode 59: Getting out of debt with Dr Caroline Clerisme
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Episode 59: Getting out of debt with Dr Caroline Clerisme

When trying to get out of debt, there are a lot of decisions that needs to be made. It involves more than just paying off a few credit cards. It means changing spending habits; learning how to budget; knowing who and how much you owe; prioritizing debts; creating emergency and retirement funds; and knowing where...

Financial literacy book for little ones
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Financial literacy book for little ones

I graduated from Tufts University School of Dental Medicine in 2011. I had about $ 250,000 in total student loans with no idea how interest rates really worked and how to pay off such a large amount of debt. . I am from Haiti where credit, student loans, etc. were not really a thing, especially...

Reasons why you venture into real estate
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Reasons why you venture into real estate

These are a few reasons why you should look into real estate as an investment avenue. 1. Once you’re well established as a real estate investor, real estate tends to have a predictable cash flow. Cash flow is the net spendable income derived from the investment after all operating expenses and mortgage payments have been...

Here are the three secret you need to master to grow your wealth.
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Here are the three secret you need to master to grow your wealth.

1. Discipline to Save & InvestTime is of the essence.Don’t delay saving and investing. The earlier you start, the better 2. Discipline to delay gratification.If you look around you, you’ll probably notice that we are surrounded by advertisements that are aimed at making us spend money on things we do not need…whether it’s ads for...

What to know about life insurance
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What to know about life insurance

Life insurance can provide a protective financial cover for you and your loved ones. It ensures that you and your dear ones always get financial support. Here are some of the points to be aware of regarding life insurance. 1. Peace of MindHaving life insurance provides the ultimate peace of mind. Doctors, if you have...

Common mistakes to avoid when paying off student loans
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Common mistakes to avoid when paying off student loans

Now that you are a practicing doctor, you need to avoid common mistakes that doctors tend to make when paying off student loans. 1. Losing track of loans.Borrowers are sometimes late with a loan payment or even default on a loan because they forget about one of their loans.Automate your payments so you don’t fall...

5 money principles you should know
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5 money principles you should know

Here are 5 important money principles that will guide your financial life…. 1. Spend less Than you MakeThe is probably the most important money principle you can apply to your financial life. If you are constantly overspending, you’ll never reach your full financial potential. Focus on increasing your income not your expenses. 2. Get Comfortable...