Spend less than you earn
You can’t get ahead if you’re always behind
Your journey to financial mastery starts here
What is financial mastery and why is it important?
When you are the master of your finances, you are disciplined and always striving to improve your financial habits. Here are some of the goals of Financial Mastery we’ll help you achieve:
Pay your bills on time
You won’t have to pay penalties and won’t have to catch up
Have sufficient short-term savings
When an unexpected expense comes up, you’ll be prepared for it
Keep your debt manageable
When you have too much debt, it’s hard to make progress when making monthly minimum payments. Keeping debt manageable will keep you in control, instead of the other way around
Have sufficient long-term savings
This will increase your security and peace-of-mind, knowing that large emergencies can be handled as they arise or large purchases will be easier to attain
Build your credit history
Through good financial behavior such as making payments on time, you may increase your credit score. A prime credit score can enable you to access more affordable credit options
Have appropriate insurance
This can help protect you from unexpected financial changes or other losses
Plan ahead
This can help you reach long-term goals, such as making a down payment on a house or other large purchases and enjoy a comfortable retirement
Benefits of Becoming a Financial Black Belt
You are prepared for financial emergencies like car or appliance repairs
You’re not affected as greatly if you miss a day of work to care for a sick family member
You can prepare financially for vacations or other expenses
You can access more affordable credit and avoid punitive debt cycles
You can enjoy your hobbies and leisure activities with peace of mind knowing your bills are paid
You are able to prepare for your children’s financial future
You are better able to handle medical bills
You can be prepared for a comfortable retirement
Belt System
The NinjaCard® Belt System is designed to reward those who go through the NinjaCard® program. Just as in martial arts, you are rewarded by ranking up as your mastery is demonstrated. You will be rewarded for your work, discipline, and putting your lessons into practice as you advance from White Belt all the way to Black Belt.
Rewards
As you progress through our belt reward system, you will be rewarded as you rank up with increased savings rewards†† and access to higher NinjaCard® Line of Credit limits.*
Financial Literacy
To work your way through the Belt System, you will learn the necessary skills and knowledge to make better financial decisions.
Work your way to a prime credit score
NinjaCard® will report your habits such as repayment of your line of credit draws, fee payments, and other behaviors to major credit bureaus. With positive behavior being reported, you can build your credit history. This can help you access more affordable financial products and a wider variety of credit options like a mortgage or an auto loan.Learn more about Belt System
Tools for your Journey
Ninja Training
Ninja Training is a benefit to you that is included with your monthly maintenance fee, and it’s an investment for your future.
By completing the aspects of the Belt System such as savings goals and payment history milestones, you’ll be promoted to the next belt level, starting with White Belt and working your way to Black Belt.
Tenets of a Financial Ninja
As you work your way through the Belt System, you will learn three principals of being a Financial Ninja
- Sharp Skills Achieving expertise through financial literacy
- Agility Using your skills to tackle complicated situations
- Preparedness Having the resources to handle unexpected changes
