C.H. Brown - March 2022

Easy March Madness Chili

Cheer on your favorite team and chow down in minutes with this easy chili recipe!

• 2 lbs ground beef • 2 tbsp chili powder • 1 tbsp Creole seasoning INGREDIENTS

It’s no secret that credit is a large part of the work we do here at CHB. The entire financing industry is built on credit scores and the perceived credibility of the borrower. As a result, many of our readers understand the value of and the strategies that come with improving your credit score. However, in recognition of Credit Card Reduction Day this March, we encourage you to share a few of these tips with your clients to help them secure financing they may need for their business. Credit cards are not the enemy. For a long time, the messaging around credit cards included extreme caution, and while it is advantageous to be careful, we want to shift this messaging. Establishing credit is a powerful tool in building a business, as this allows a business leader to invest further in their company by gaining the tools they need to succeed. The caveat is that credit cards have to be used wisely. Encourage clients to not become reliant on credit cards, especially as they prepare to request financing for machinery. Use credit cards for fixed expenses to boost its power. Don’t Fear Your Credit Card! 3 Tips for Wise Usage

• 1 tsp ground cumin • 2 16-oz cans diced tomatoes • 2 16-oz cans small red beans • 2 8-oz cans tomato sauce 4. After the mixture boils, reduce the heat to low and let chili simmer for 15 minutes. 5. Serve with toppings of choice, like cheese, sour cream, or chives.

DIRECTIONS

1. In a deep pot, brown the beef, stirring often. 2. Once beef is cooked, add chili powder, Creole seasoning, and cumin, cooking for 1 minute. 3. Stir in diced tomatoes, beans, and tomato sauce and bring the mixture to a boil.

Inspired by MyRecipes.com

Take a Break

Paying more than the minimum on your credit card is the best way to boost your credit score, and paying all of what you owe when it’s due will improve your score. There’s an easy way to optimize this. Use your credit card to pay for fixed expenses, like utilities, rent, groceries, and other regular bills you can expect each month. These items will likely be budgeted out, so you will have a rough estimate of what you need to pay each month. This eliminates surprises and better equips a user to pay the balance each month. Utilize rewards cards. Why not make your credit card work for you? Rewards credit cards allow you to earn “points,” which can be used toward other purchases. Most well-known among these are airline mileage cards, but you can also use rewards points to pay down a large credit card bill after an unforeseen circumstance. This will prevent a large bill from dragging down your score, should you be unable to pay it.

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MARS RAIN

We hope you also discovered some helpful guidance from this article, and we encourage you to share it with others, too!

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