<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[NICOLE MICHELLE CPA]]></title><description><![CDATA[NICOLE MICHELLE CPA]]></description><link>https://www.nicolemichellecpa.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Fri, 10 Apr 2026 10:42:03 GMT</lastBuildDate><atom:link href="https://www.nicolemichellecpa.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[EMERGENCY FUND ]]></title><description><![CDATA[Life does not go according to plan, and cannot be scripted. The unexpected will always create surprises.  Unfortunately, less than 50% of...]]></description><link>https://www.nicolemichellecpa.com/post/emergency-fund</link><guid isPermaLink="false">69d031322df85cbdf0911872</guid><pubDate>Fri, 25 Oct 2024 02:35:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_ebb5cd68fa534f379ad10e1c590032d9~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[CREDIT ]]></title><description><![CDATA[If cash is KING , what does good credit really mean ? To answer this question, it means approximately one-quarter of a million dollars....]]></description><link>https://www.nicolemichellecpa.com/post/credit</link><guid isPermaLink="false">69d031322df85cbdf091188b</guid><pubDate>Fri, 25 Oct 2024 02:29:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_168eeb0b827644b5bb5fbbce67509da1~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[AVOIDING PITFALLS IN RETIREMENT ]]></title><description><![CDATA[When can I retire? This has literally become that million dollar question that many will ask themselves at one time or another. Like any...]]></description><link>https://www.nicolemichellecpa.com/post/avoiding-pitfalls-in-retirement</link><guid isPermaLink="false">69d031322df85cbdf091189c</guid><pubDate>Fri, 25 Oct 2024 02:27:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_f234bb0a18a64378a684e037353eba30~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[SAVING ]]></title><description><![CDATA[For many, saving is the most challenging aspect of money management. Like Christmas, you can save money all year and have your savings...]]></description><link>https://www.nicolemichellecpa.com/post/saving</link><guid isPermaLink="false">69d031322df85cbdf0911890</guid><pubDate>Fri, 25 Oct 2024 02:25:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_fada373736ec4a3d856e7b24390bc42a~mv2.jpg/v1/fit/w_800,h_432,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[DO NOT DISGUISE LUXURIES  AS NECESSITIES ]]></title><description><![CDATA[Christmas has become so commercialized. Many consumers of the mega retail holiday use resources they do not have, to buy goods and...]]></description><link>https://www.nicolemichellecpa.com/post/do-not-disguise-luxuries-as-necessities</link><guid isPermaLink="false">69d031322df85cbdf0911885</guid><pubDate>Fri, 25 Oct 2024 02:24:16 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_0a2d1a18009d4c1794a7efcd5d336e9d~mv2.jpg/v1/fit/w_960,h_540,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[MATTERS OF MONEY ]]></title><description><![CDATA[Many do not realize the factors that impact their money flow reaches far beyond a lack of money or money mismanagement. There is a...]]></description><link>https://www.nicolemichellecpa.com/post/matters-of-money</link><guid isPermaLink="false">69d031322df85cbdf0911889</guid><pubDate>Fri, 25 Oct 2024 02:22:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_a6554a74ebfa4078a6a86d79ac38353b~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[EMOTIONAL SPENDING]]></title><description><![CDATA[Life is filled with swift transition.  While many things remain the same, there are equal or more things that constantly change.  With...]]></description><link>https://www.nicolemichellecpa.com/post/emotional-spending</link><guid isPermaLink="false">69d031322df85cbdf0911883</guid><pubDate>Fri, 25 Oct 2024 02:20:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_370ca8bfe40c4bd299c64c93652f2665~mv2.jpg/v1/fit/w_700,h_400,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[PHILANTHROPY ]]></title><description><![CDATA[Philanthropy is the desire to promote the welfare of others and alleviate social problems, typically expressed with generous donations of...]]></description><link>https://www.nicolemichellecpa.com/post/philanthropy</link><guid isPermaLink="false">69d031322df85cbdf0911892</guid><pubDate>Fri, 25 Oct 2024 02:19:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_6a05eb2151244914a61a70c88ed680bc~mv2.jpg/v1/fit/w_700,h_394,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[BRAND ]]></title><description><![CDATA[There are certain brands that come to mind when you think of excellence in customer service. To the contrary, there are certain brands...]]></description><link>https://www.nicolemichellecpa.com/post/brand</link><guid isPermaLink="false">69d031322df85cbdf0911879</guid><pubDate>Fri, 25 Oct 2024 02:18:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_34ff39904c844eb1b81d3557b36a5dca~mv2.jpg/v1/fit/w_1000,h_887,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[BANKRUPTCY ]]></title><description><![CDATA[While bankruptcy can give you a fresh financial start in some regards, it negatively impacts your credit score and your future credit...]]></description><link>https://www.nicolemichellecpa.com/post/bankruptcy</link><guid isPermaLink="false">69d031322df85cbdf0911886</guid><pubDate>Fri, 25 Oct 2024 02:17:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/fb07f0_1266be28179840188fb624c6f8ab6c08~mv2.webp/v1/fit/w_1000,h_627,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[The Tax Cuts and Jobs Act of 2017]]></title><description><![CDATA[The Tax Cuts and Jobs Act of 2017 amended the Internal Revenue Code of 1986, also referenced as the U.S. tax code. This major tax...]]></description><link>https://www.nicolemichellecpa.com/post/the-tax-cuts-and-jobs-act-of-2017</link><guid isPermaLink="false">69d031322df85cbdf0911898</guid><pubDate>Fri, 25 Oct 2024 02:15:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/fb07f0_a4a969c5067b4b1eb1186403c906de12~mv2.jpg/v1/fit/w_650,h_434,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[OVERSPENDING]]></title><description><![CDATA[There are many reasons that cause Americans to overspend.  A common problem for most, approximately 6 out of 10 individuals lives from...]]></description><link>https://www.nicolemichellecpa.com/post/overspending</link><guid isPermaLink="false">69d031322df85cbdf091189a</guid><pubDate>Fri, 25 Oct 2024 02:13:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_93109476e1254a03948bb0a0a70f00d5~mv2.jpg/v1/fit/w_270,h_187,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[UNEMPLOYMENT]]></title><description><![CDATA[The unemployment rate in November 2020 averaged 6.7%. Sparred by various economic factors, unemployment can be daunting and creates...]]></description><link>https://www.nicolemichellecpa.com/post/unemployment</link><guid isPermaLink="false">69d031322df85cbdf0911882</guid><pubDate>Fri, 25 Oct 2024 02:11:51 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_71e2e2558aec41789de0ebae69dc45be~mv2.jpg/v1/fit/w_880,h_542,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[CASH LEAKAGE]]></title><description><![CDATA[Cash leakage is cash that cannot be accounted for and is often the result of an individual who is financially irresponsible and...]]></description><link>https://www.nicolemichellecpa.com/post/cash-leakage</link><guid isPermaLink="false">69d031322df85cbdf091186d</guid><pubDate>Fri, 25 Oct 2024 02:10:38 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/fb07f0_493d2ecc40f746848502a0db514ccf6f~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[LOANS]]></title><description><![CDATA[While it is always best to save the money and resources necessary to fund a large purchase, this rarely happens with most consumers. ...]]></description><link>https://www.nicolemichellecpa.com/post/loans</link><guid isPermaLink="false">69d031322df85cbdf0911891</guid><pubDate>Fri, 25 Oct 2024 02:09:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_ad057e8afd5f4551a2a2c91175abf7d5~mv2.jpg/v1/fit/w_921,h_536,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[WHEN THE NUMBERS DON’T MAKE SENSE ]]></title><description><![CDATA[Anyone can beat an odd. However, the likelihood of doing so and not doing so depend upon the attributes and circumstances of that...]]></description><link>https://www.nicolemichellecpa.com/post/when-the-numbers-don-t-make-sense</link><guid isPermaLink="false">69d031322df85cbdf0911878</guid><pubDate>Fri, 25 Oct 2024 02:08:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/fb07f0_6a51b72ca4004397b5d4dd0d1ce64c3f~mv2.jpg/v1/fit/w_995,h_832,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[MULTIPLE STREAMS OF INCOME]]></title><description><![CDATA[There have been so many changes of life events that have proven why multiple streams of income is a necessity and not just an option to...]]></description><link>https://www.nicolemichellecpa.com/post/multiple-streams-of-income</link><guid isPermaLink="false">69d031322df85cbdf091186c</guid><pubDate>Fri, 25 Oct 2024 02:06:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_2cb4d5c5626948beadd3899c9821b88a~mv2.jpeg/v1/fit/w_590,h_365,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[BREAK AND DESTROY GENERATIONAL POVERTY]]></title><description><![CDATA[Just as generational wealth exists, so does generational poverty. Generational wealth refers to any kind of assets that are passed down...]]></description><link>https://www.nicolemichellecpa.com/post/break-and-destroy-generational-poverty</link><guid isPermaLink="false">69d031322df85cbdf0911899</guid><pubDate>Fri, 25 Oct 2024 02:04:31 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/fb07f0_7e6a7ee7eb954ff592617152b6487a54~mv2.jpg/v1/fit/w_540,h_360,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[PREDATORY LENDING]]></title><description><![CDATA[Predatory lending relates to unethical practices that are deceptive, fraudulent, and unfair. These unscrupulous lending practices are...]]></description><link>https://www.nicolemichellecpa.com/post/predatory-lending</link><guid isPermaLink="false">69d031322df85cbdf0911896</guid><pubDate>Fri, 25 Oct 2024 02:03:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/fb07f0_794ec2f74b2d413e8161eea4cd23a214~mv2.webp/v1/fit/w_800,h_800,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item><item><title><![CDATA[PAYDAY LOANS]]></title><description><![CDATA[Payday loans are short-term, high interest loans based on an individual's income. The principal portion of the short-term loan is...]]></description><link>https://www.nicolemichellecpa.com/post/payday-loans</link><guid isPermaLink="false">69d031322df85cbdf091189d</guid><pubDate>Fri, 25 Oct 2024 02:01:56 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0ea964_2d737759fa454e8e8e7aa5586989848c~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nicole Durio</dc:creator></item></channel></rss>