• New to the Financial World (ages 16-18 welcome also).
  • Reaching out for a better quality of life through low or no interest spending and effective budgeting-- ultimately leaving higher disposable income. 
  • Those Attempting to Avoid Bankruptcy.
  • Those Recovery from Bankruptcy, Relocation, Foreclosure, Medical or Dental Emergency, or other of the many life circumstances. 

Scroll to the icons below or go to the Table of Content to determine your course.  Remember, always start with the numbers!

Then go where you feel will most benefit you. If you have not started your credit journey, just follow the order shown as they are designed in the order for someone just starting on their financial journey or starting over. However, if you are in a need purchase a car, then jumping to that section AFTER getting your numbers might interest you. Before buying though, it is important to return and complete the budget, credit wise, and insurance slide shows or at home workshops. Each road is separate and intertwines. so ultimately all will be taken and driven again and again. On the journey of Obtaining Financial Maturity, you will find how to Maintain Financial Maturity. This leads to stability and the ability to bounce back to stability in the face of an emergency and unexpected situations. 

Rica J. Gilmore, Broker, Realtor® 

  • Virginia License VA #0225235314 
  • Rica Jo Ann Gilmore,​ ​Realtor®​ ​ ​
  • Graduate, REALTOR® Institute
  • ​​Rica Realty​​​ ​​​VA #0225235314​
  • ​Accredited Buyer's Agent
  • ​Seller Representative Specialist​ 
  • ​REALTORS® Commitment to Excellence​
  • ​Military Relocation Professional
  • Seniors Real Estate Specialist®
  • Short Sales and Foreclosure Resource
  • Pricing Strategy Advisor
  • Home Measurement Specialist
  • ​Real Estate Negotiation Expert​
  • ​Certified Team Specialist​

Rica Jo Ann Gilmore, Broker  Realtor®144 Shoe Lane, Newport News, VA 23606 1-757-932-7422  

North Carolina License NC 305512:  Rica J. Gilmore, Broker The Virtual Realty Group - Independent Firm Main office: 8116 Arlington Blvd, Ste 115, Falls Church, VA 22042 Telephone 1-888-407-2410 

The listings data displayed on this medium comes in part from the Central Virginia Regional MLS, (CVR MLS) and has been authorized by participating listing Broker Members of Central Virginia Regional MLS, (CVR MLS) for display. Central Virginia Regional MLS, (CVR MLS)  listings are based upon Data submitted by its Broker Members, and Central Virginia Regional MLS, (CVR MLS) therefore makes no representation or warranty regarding the accuracy of the Data. All users of Central Virginia Regional MLS, (CVR MLS) listings database should confirm the accuracy of the listing information directly with the listing agent.

CVR MLS and/or Rica J. Gilmore and information is protected under federal copyright laws. Federal law prohibits, among other acts, the unauthorized copying or alteration of, or preparation of derivative works from, all or any part of copyrighted materials, including certain complications of Data and information. COPYRIGHT VIOLATORS MAY BE SUBJECT TO SEVERE FINES AND PENALTIES UNDER FEDERAL LAW.

Information Deemed Reliable But Not Guaranteed

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