Living paycheck to paycheck keeps you from experiencing the freedom that comes with financial prosperity. It limits your choices in life, keeps you enslaved to debt, and keeps you from being generous. Financial Expert, Dorethia Kelly shares valuable tips for us to live by!

Please introduce yourself to our reading audience.

You know when ladies and gents are looking for someone to empower them to manage their money themselves with practical, realistic steps they can take immediately? They call me! When they want to experience next level financial success personally, in their business or non-profit organization – they call me! I am Dorethia Kelly, the Founder & CEO of #MoneyChat. I have also embarked on a new venture for everyone working from home now – career growth and office décor subscription box – Work • Space • Spark

What made you want to go into business?

I was determined to end the paycheck to paycheck living cycle in my life. As I educated myself, I began helping others for free. After people began to share how thankful they were, I knew I had found what I was meant to do and could help people.

Why are you so passionate about empowering women?

We as women tend to place ourselves on the back burner. We want to help everyone, do everything, often to our detriment. I’ve watched this happen with my clients. We need to know it’s okay to put ourselves first, love, and empower ourselves BEFORE we begin to nurture others. Financially, we give, give, give. I’ve coached women away from depleting their 401k for family members, creating a ‘help others’ fund so they can have some boundaries and much more.

What’s something most of the subscribers don’t know about you – something fun, witty, out of the box.

I love country music! I grew up on all music genres and was drawn to country music greats!

5 Ways Millennial Can Boost Their Credit

  1. Pay your bills on time
  2. Don’t fall for the ‘pay me and I’ll erase your bad credit’. They can help you pay things off, but only time and good habits will increase your score.
  3. Monitor your credit with Credit Sesame or Credit Karma.
  4. Dispute anything that isn’t correct, check for your name, address, and outstanding debts
  5. Use lump sums to pay off debts

What motto do you live by?

This too shall pass. No matter what comes your way, it is not the end of the world, you will make it through it.

What is your favorite quote?

“If there is a book you wish to read that hasn’t been written yet, then you must write it” – Toni Morrison

How can people connect with you?

I’m on all social media as @dorethiakelly and my website.

What is next for you in 2020?

I’ve launched an amazing career advice and office décor subscription box called Work Space Spark( @workspacespark) just in time for everyone working at home.


Contributing Writer – Dr. Cozette M. White, Advisory Accountant and Tax Expert.  Learn more about Dr. Cozette M. White at

Follow Dr. White – LinkedIn | Instagram | Facebook | YouTube TODAY!

Featured Image courtesy of Dorethia Kelly