Rise to Wellth https://www.risetowellth.com Financial and Wellness Resources Sat, 29 Aug 2026 14:04:22 +0000 en-US hourly 1 https://wordpress.org/?v=7.1 Minimum Viable Health https://www.risetowellth.com/minimum-viable-health/ Sun, 23 Aug 2026 02:37:48 +0000 https://www.risetowellth.com/?p=3105 Read more]]>

Minimum Viable Health: A No-BS Guide for Real Life

Minimum Viable Health is a lifestyle guide to building healthier habits around real life—busy schedules, creative chaos, setbacks and all.

If you’re tired of wellness advice that only works when life is perfectly organized, this is for you.
Minimum Viable Health, character shaped like egg reading a book in the park

No-BS

Grab your copy and start creating a healthier rhythm that actually works for you. I have been on my journey off and on for some years, every time it’s different. We shall see what a new perspective will do.

Minimum Viable Health, book cover in teal white font

]]> Rise and Reprise https://www.risetowellth.com/rise-and-reprise/ Fri, 17 Oct 2025 04:01:42 +0000 https://www.risetowellth.com/?p=2728 Read more]]>
Rise and reprise

Rise and Reprise

Over the course of a few decades, I’ve experienced my share of losses. Yet despite obstacles, I’ve always pursued my dreams. This is my rise and reprise. We control our destiny.

But the hardest obstacle I’ve faced is my health. Some health issues are simply out of our hands, while others are preventable. The ones we can prevent… that’s where accountability comes in.

Reflection

Recently, when I heard the word “insulin,” my first thought was of being the caregiver for my maternal grandmother. I will not claim that possibility for myself, I don’t need it now, and I’m working on never needing it. Back then, I administered her medication with dread, scared I would hurt her, and that experience contributed to my anxiety around having blood drawn. I don’t like needles at all. Her diabetes led to other health issues. so you’d think witnessing her decline would have been the catalyst to a healthier lifestyle for me.

Survival

However, the reality is, post-pandemic, I let myself go. I always ate what I wanted and rarely worked out, with minimal consequences. The older you get, your metabolism and health issues could possibly change things, it did for me. So the bottom line is, you have to drink more water, eat real food, and exercise.

Ultimately, I’ve been selfless forever, putting everyone and everything before me. But now, I’m learning that putting myself first isn’t selfish, it’s survival. I’m listening to what my body’s been trying to tell me for a long time.

Resolution

I’ve chosen peace. I’m moving forward with intention, wisdom and music. This is my ascent. Enjoying my playlists and reflecting on my beloved family as I write. I want to create new memories. A wise man told me a long time ago, that our book is written, but I don’t want to shorten my story because I looove Twinkies and overindulging in sinfully delicious food.

I’ve weathered storms, forged through flames, and like a phoenix, I continue to rise with clarity and purpose. This is my reprise: a return to self, to healing. I AM light.

]]> Meet Our Founder https://www.risetowellth.com/meet-our-founder/ Thu, 24 Jul 2025 19:10:45 +0000 https://www.risetowellth.com/?p=2353 Read more]]>
Meet Our founder

Meet Our Founder

Rise to Wellth isn’t just a name, it’s an anthem of restoration. I’m Shelly Land, and I didn’t arrive here with all the answers. However, I’m showing up, moving with intention, actively reclaiming, rebuilding, and restoring overall wellness. I’m sculpting the life I’ve always deserved.

Resilience

Music is therapeutic for me, and sometimes I share songs that reflect the message I’m trying to convey. My maternal grandfather loved this hit from the 80s. As a child, I didn’t understand why — I just enjoyed the melody! As an adult, the lyric resonates profoundly. As an adult, the lyrics resonates profoundly.

NACSO certificate

Professional Training

I’ve earned certifications through NACSO’s Credit Scoring and CROA, completed Credit Repair Cloud’s Credit Hero Challenge and Basic Dispute training, and attended Credit Con multiple years for advanced coursework. I also gained valuable experience moderating a Credit Repair Pre‑Litigation Disputes Facebook group, and I bring that knowledge into every resource I share. We control our destiny.

CRC certificate
NACSO seal
Credit Con certificate

]]> Empower Yourself https://www.risetowellth.com/empower-yourself/ Mon, 07 Apr 2025 04:40:35 +0000 https://www.risetowellth.com/?p=2149 Read more]]>
empower yourself

As we celebrate Financial Literacy Month, let’s talk about taking control of our economic well-being. In this post, we’ll explore three strategies to empower yourself and mention some helpful resources along the way. You control your destiny.

Strategies

Key 1: Understanding your money mindset. Recognize how urgency and pressure can lead to reactive spending. When backed into a corner, it’s easy to make quick decisions that feel necessary in the moment but don’t support long-term stability. Awareness of these patterns is the first step toward building financial clarity and control.
Key 2: Creating a realistic budget. Track income and expenses to make informed decisions. A clear picture leads to smarter choices.
Key 3: Building multiple income streams. Diversify your earnings to reduce financial stress. Research opportunities to grow your wealth.

checklist, disclosure
Rise to Wellth logo

Growth

These three keys, understanding your money mindset, creating a realistic budget, and building multiple income streams, can unlock a stronger financial foundation. Each step invites you to move from awareness to action, from stress to strategy. Whether you’re just starting out or refining your approach, these principles offer a path toward clarity, confidence, and long-term growth. For further guidance, you may find helpful insights in books we’ve published on Amazon via LinkTree.

]]> Small Steps, Big Changes https://www.risetowellth.com/small-steps-big-changes/ Sun, 16 Feb 2025 02:45:56 +0000 https://www.risetowellth.com/?p=2285 Read more]]>
Operation game, small steps, big changes

Small Steps, Big Changes

Committing to a healthier lifestyle doesn’t have to be challenging. The simplest changes, those small steps, can lead to big changes. Two key habits, eating the right portion sizes and walking regularly, can help. You control your destiny.

Many of us eat more than we actually need, not because we’re hungry, but because we’re used to oversized portions. The key to portion control is mindful eating, knowing when to stop before you feel too full. By making adjustments, you can enjoy your favorite foods while keeping portions in check. Here are some quick tips:

  • Use smaller plates to naturally reduce portion sizes.
  • Fill half your plate with veggies, a quarter with lean protein, and the last quarter with whole grains.
  • Eat slowly. I savor five dark chocolate almonds as if it’s a bag of M&M’s heheee.

The Journey Starts (Again)

Walking is one of the simplest and most effective ways to improve your health. Just 30 minutes a day can:

  • Boost your heart health
  • Improve circulation and reduce joint pain
  • Support weight management and mood

If you’re just starting out, take it slow. Try a 10-minute walk after meals or park further away from store entrances. Every step counts! My workouts are brief, but effective at the gym or home.

health report

Music Moves Me

My sons have always encouraged me to stretch every day, even if you don’t work out. Stretching in the morning and before bed is a simple way to stay flexible and feel great. 

To add, my nephew once shared this song with me, and it really left an impression. I love multiple genres of music. It can impact your workout, by setting the tone, boosts energy, and make the experience enjoyable! Mix it up depending on your routine!

Don’t Stop

Honestly, this isn’t my first journey. I’ve faced weight struggles before, but living unhealthily eventually catches up with you. A decade ago, I thought reaching 180s was challenging. However, I ended 2024 weighing 198lbs, so I’m grateful to now be at 187lbs. Interestingly, in 2021, I was the same size, venting on social media about my “jiggly puff” (belly pouch).


This time, though, the weight feels different. It’s not just about where the fat sits; changes in my skin, and hormones add to the challenge. At fifty, neglecting self-care makes things even harder. Confidence has always been my strength, but dealing with these shifts hasn’t been easy.


That said, I admire those who embrace change, I think that’s wonderful! For me, however, taking control is a priority, especially when my health is on the line. I’m fully committed to improving every part of myself. Just know that this isn’t about drastic changes, it’s about making small, sustainable choices. I actually have a book that touches on real life wellness.

By making sound decisions, you’ll build habits that lead to long-term fulfillment. Be well, in every sense of the word. Health is wellth. We all can land on the path to greatness.

Health update

Health report

Health report

]]> Credit Resolution Business https://www.risetowellth.com/credit-resolution-business/ Tue, 30 Jun 2020 00:58:49 +0000 https://www.risetowellth.com/?p=524 Read more]]>

Credit Resolution Business font in earth tones

To get started, if you’re ready to begin a venture, you can find practical business tools through The Resource Scout, curated to help you launch with confidence. We recommend understanding your state’s laws, licensing requirements. and understanding how credit works.

Disclosure: We receive a small commission when you shop via the affiliate links at no additional cost to you. You’ll find other resources for your credit resolution business via our LinkTree. You control your destiny.

Your All-In-One Solution

Ready to launch and manage your credit resolution business without juggling multiple platforms? Credit System IO gives you the tools to get started — built for professionals ready to take control of their business, start to finish.

State Laws

Daniel Rosen, has a comprehensive list of the state laws which is beneficial. Ignorance of the law excuses no one.
Footnote: Rosen, Daniel. Credit Repair Laws for Each State, www.creditrepaircloud.com/all-states.

Another tip: When creating marketing materials, cite sources and avoid plagiarism.

Credit Con

One of the perks of being a subscriber to Steven Palmieri’s Pre-Lit group was contests. I won a set of National Consumer Law Center bankruptcy law books that valued $180 and a ticket to attend Credit Con!  I created this marketing video and will create one for you as well via IND Designs. 

Credit Con

Credit Con is a conference created by Matt Listro for credit professionals interested in learning about credit, credit scoring and laws. Matt offers reputable training in our industry as well along with Steven. I learned a lot while moderating for Steven’s Pre-lit FB group and during the conventions lead by Matt.

Logo, yellow, purple and red
Logo, yellow and blue

Credit Builder Card

Check out Credit Builder Card. They offer co-branding options, so you can put your business name on the site. This is a nice touch of credibility for brand building.

]]> Financial Literacy https://www.risetowellth.com/financial-literacy/ Tue, 26 May 2020 05:43:02 +0000 https://www.risetowellth.com/?p=261 Read more]]>
Financial Literacy

Financial literacy is vital. We all can land on the path to greatness. Credit means receiving something of value now, with the promise to pay for it later. A finance charge is typically added by the lender.  Every move you make after establishing credit affects your score. A solid strategy can set you up for long-term success. The links provided are purely informational, not affiliate links. They’re shared to support public awareness and education. Understanding your rights is vital. It’s a cornerstone to personal empowerment. You control your destiny.

Consumer Rights

The Consumer Financial Protection Bureau (CFPB) oversees financial products for consumers. The Fair Credit Reporting Act (FCRA) ensures accurate credit reports, while the Credit Repair Organizations Act (CROA) regulates credit repair companies.
Enforced by the Federal Trade Commission, the CROA prohibits false claims and upfront fees. Consumers have rights to contracts, cancellations, cost details, and legal action for breaches.

Credit cards and law
Document on desk. glasses

Credit Reporting Basics

In the U.S., Equifax, Experian, and TransUnion gather consumer data from sources like banks to create credit reports. These reports, built from personal and public records, help lenders, insurers, and employers assess your financial reliability.

Most credit bureaus offer fast online dispute tools, but written letters tend to be more effective, except for updating personal details. If fraud is involved, contact the creditor, request a security freeze, and report identity theft to the police and the FTC.

Scrabble game
Laptop, person searching online

How Disputes Work

Credit bureaus must mark disputes and investigate within about 30 days, updating you with results: Verified (no change), Modified (updated), Deleted (removed), or Deemed Frivolous (dismissed). Watch for expired lawsuits and dispute lingering inquiries after the statute of limitations, which vary by your state.

Credit Mix

A healthy mix of credit cards and installment loans, managed with timely payments, shows you’re credit-savvy and can give your score a lift.

Financial literacy, credit card and money blended together

 

Money, calculator and credit document

Debt

Life happens, but debts remain your responsibility. Fortunately, the FDCPA protects you by prohibiting debt collectors from using abusive, unfair, or deceptive tactics during collection. 

Are FICO® Scores and VantageScore® Different

FICO and VantageScore are two ways lenders check your credit. They both look at how you pay bills, use credit, and mix accounts. FICO puts more focus on new credit, while VantageScore also looks at recent habits and how much credit you have available.

Credit score on colorful gauge
Fraud on computer screen, red font

**Very Important**

What are CPN’s?

CPNs (Credit Profile Numbers) are often falsely marketed as legit replacements for Social Security numbers. In truth, these companies are running scams. They may steal real social security numbers from vulnerable groups, and sell them for a profit.  Shady sellers might ask you to lie on credit applications using a CPN, claiming it’s to protect your identity. But what they’re really pushing is the creation of a fake identity, which can lead to serious legal trouble.  The bottom line: SSNs are free, and paying for a CPN is a red flag. Stay alert and steer clear.

CPNs, ITINs and Social Security Numbers

The IRS uses special ID numbers to keep track of taxpayers. The two legit kinds are:
SSNs (Social Security Numbers): These are given out by the Social Security Administration and are what most U.S. citizens and residents use to file taxes.
ITINs (Individual Taxpayer Identification Numbers): These are created by the IRS for people who don’t qualify for an SSN—like some immigrants and their family members. They always start with the number 9 and look similar to SSNs.
CPNs (Credit Profile Numbers) also have nine digits and may look like SSNs or ITINs, but they’re not legal taxpayer IDs. Don’t be fooled by their appearance, just looking official doesn’t make them legit.

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