Heidi Clemons

Meet Nellie from the Boys & Girls Club Thrift Store in #Scottsdale. She’s fantastic and the store always has amazing treasures. #thrift #spendwisely

Love this!!

Kids’ meal @PandaExpress for the win! It saves on the cost and the calories. #smartmoneydecisions

Great food and amazing service at @monroeshotchick tonight! I highly recommend stopping in and enjoying this place downtown!

My office last week! The Roberto-Venn School of Luthiery! It’s great to meet with guitar makers and repair techs, especially about their future business!

My favorite conference of the year is #MilMoneyCon. It’s like homecoming or a family reunion! Connecting with friends and meeting new friends is the best! #MMC26

Set this up today! Emails directly to your inbox with tips to build your own financial roadmap.

@Experian So many great resources and information shared over the past hour! Thanks for the invite! Back to working 1:1 with AD military, veterans and families!

❤️🫡 #CreditChat

Q10. How can military spouses build and maintain their own credit and financial independence? #CreditChat

Q9. What financial plans should military families have in place to protect their future in the event their service member doesn’t come home? #CreditChat

A8: Everything from income changes, new housing costs, and uncertainty around employment or benefits. NOTE: Talk with your spouse EARLY & OFTEN about finances, goals, and expectations. Planning together NOW can reduce stress down the road. #CreditChat

Q8. What credit or financial challenges might service members face when transitioning to civilian life, and how can they prepare? #CreditChat

A7: Hands DOWN the Servicemembers Civil Relief Act! The #SCRA can cap interest rates and provide financial relief during active duty…BONUS: There are provisions in the SCRA that extend to spouses too! #CreditChat

Learn all about the Servicemembers Civil Relief Act (SCRA) and Military Lending Act! usaaef.org/insurance-prot… #CreditChat

A6: Payday lenders, high-interest loans, fake charities…scams tied to deployments or a PCS move (that’s a BIG one). BLUF: If it sounds too good to be true, PAUSE & research. READ the fine print, protect PII, and ask ALL the questions. #CreditChat

@Experian A10. Spouses: build credit in your own name, help maintain accounts/bills, and stay involved with the family finances. Mobility can make this harder—but independence matters long-term. #CreditChat

@Experian A9. Life insurance, updated wills, powers of attorney, & beneficiary checks are a must. It’s not worst-case thinking—it’s responsible planning. Have clear plans so your family is protected, supported, & financially secure no matter what happens. #CreditChat

@Experian A8. Income instability, healthcare changes, taxed income, benefits, and different cost structures can hit fast. Plan ahead: build savings, budget for the gap, and understand your benefits. #CreditChat

@Experian A7. SCRA benefits, VA resources, base financial counselors, and nonprofit credit counseling are underused. You don’t have to figure this out alone. #CreditChat

Q7. What protections or resources are available to service members that may be overlooked when managing their credit and finances? #CreditChat

A6. Payday loans, by-now-pay-later, high-interest car lots, “quick approval” credit—these target Service Members. If it feels rushed or too easy, pause. Read the terms. Protect your future. #CreditChat