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Chanel Monique

@chanelmonique07

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🙏🏾FAITH in God & Your PURPOSE.
📲 FinTech Innovator @ontimeharvest
💵 Co-Founder of @mergingfinances
🗣Motivational Speaker

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Merging Finances, LLC presents Money Moves: Mastering Your Finances in 4 Weeks!

This interactive financial wellness course is designed to help adults build better budgeting habits, understand spending patterns, strengthen financial goals, and make confident everyday money decisions.

We are also excited to share that our fintech budgeting SaaS platform and mobile app, On Time Harvest, will be LIVE in July 2026! On Time Harvest is built to help everyday consumers track spending, forecast discretionary income, and make smarter money decisions with clarity and confidence.

Course Dates: July 17–August 13, 2026
Register through the CSM Continuing Education page.

From financial education to fintech innovation, we are helping individuals and families manage, merge, and master their money.

#BudgetingCourse #FinancialLiteracy #Fintech #BudgetingApp #financialfreedom by @chanelmonique07

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4 months ago

On Time Harvest is launching 🚀 in Summer 2026!

On Time Harvest (@ontimeharvest) is a fintech financial wellness platform designed to help individuals, couples, families, and small business partners better understand their money through real-time budgeting tools, discretionary-income forecasting, cash-flow awareness, AI-informed insights, and financial education.

Our mission is simple: to help people move from financial confusion to financial clarity, so they can make better decisions, protect their income, and build stronger financial futures.

The harvest is coming!

Stay connected!
#Tech #Fintech #BudgetingTools #FinancialLiteracy #moneymanagement by @chanelmonique07

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5 months ago

Happy 7th Wedding Anniversary to us! ❤️

Through the storms, the ups and downs, the challenges, the growth, and every season in between—we still choose each other. We still love each other. We still believe in what God joined together.

This year is especially meaningful because we are stepping into a new path together: fulfilling our dreams as full-time entrepreneurs and preparing to launch our fintech platform, On Time Harvest(@ontimeharvest). We are grateful to be building life, love, family, purpose, and legacy side by side.

We believe God will continue to cover us, guide us, favor us, and see us through every step of this journey. Here’s to 7 years of marriage and many, many more years of love, growth, purpose, and blessings together. ❤️

#HappyAnniversary #techfounder #MarriageJourney #BlackLove #legacybuilding by @chanelmonique07

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5 months ago

💰 THE FIRST MILLION: What Athletes & Parents Need to Know Before the Money Comes

The money may come fast but building wealth takes a plan.

Athletes and parents, join us for a FREE webinar designed to help you understand the financial side of NIL, professional sports, and preparing for long-term success.

🎤 Hosted & moderated by Regine Hill, CEO, NIL & NFL Agent
💼 Featuring Chanel & Estado Outlaw of Merging Finances

We’re talking about financial literacy, avoiding common money mistakes, building the right financial team, creating a money plan, and developing a strategy that helps turn opportunities today into wealth for tomorrow.

📅 October 12, 2026
⏰ 7:00 PM
💻 FREE Webinar

Your first check is exciting. What you do with it can change your future.

🔥 Parents and athletes don’t wait until the money comes to learn how to manage it. REGISTER NOW!

www.emergingstars.co

#fyp #NIL #NILEducation #AthleteBranding #financialliteracy by @chanelmonique07

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9 days ago

We won our first pitch competition!

We are incredibly grateful to the nCLouds (AWS services partnership) & Association of Black Women in Project & Program Management (ABWIPPM) for creating this opportunity for founders to showcase innovative ideas, connect with leaders, and grow through meaningful exposure. Their 2026 conference, themed “Together We Build. Together We Grow,” brought together professionals across fintech, technology, consulting, public sector, and nonprofit spaces, including a live pitch competition.

What started as a vision for On Time Harvest continues to grow, and winning our first pitch competition is a milestone we will never forget.

We’re thankful for everyone who has supported, encouraged, and believed in us along the way. This is only the beginning.
#OnTimeHarvest #ABWIPPM #PitchCompetition #FinTech #Entrepreneurship by @chanelmonique07

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12 days ago

Take control of your finances with greater clarity and confidence.

Enjoy complimentary access to On Time Harvest through October 31, 2026 with promo code INVESTINYOU.

Visit www.ontimeharvest.com to get started today.

#OnTimeHarvest #FinancialManagement #InvestInYou #FinancialConfidence #Entrepreneurship by @chanelmonique07

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14 days ago

Grateful for the opportunity to present at this year’s HBCU+ Entrepreneurship Conference at Bowie State University. As Bowie State alumni, entrepreneurs, and a husband-and-wife team in tech, it was meaningful to return and share our journey, our work with On Time Harvest, and practical financial-readiness strategies with the next generation of innovators. #hbcueshipconference #bowiestateuniversity by @chanelmonique07

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15 days ago

Tomorrow, we’re excited to present at the 6th Annual HBCU+ Entrepreneurship Conference at Bowie State University! 🎓✨

Our session, “Your First Investor Is You: Can You Afford to Build Your Big Idea?”, will help student entrepreneurs think beyond the idea and assess their financial readiness to build, fund, and grow.

📍 Bowie State University
🕒 3:00–3:50 PM | Small Room 1342

#HBCUEntrepreneurship #BowieStateUniversity #StudentEntrepreneurs #Entrepreneurship #OnTimeHarvest by @chanelmonique07

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17 days ago

It was a pleasure meeting @meganhalexander at the CBCF event, where she moderated an amazing and insightful panel. Grateful for the connection, the conversation, and the opportunity to be surrounded by leaders creating impact. ✨

#CBCF #BlackFounders #Entrepreneurship #finance #ai by @chanelmonique07

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a month ago

Grateful for the opportunity to meet John Hope Bryant @johnhopebryant from Operation HOPE, share the vision behind On Time Harvest, and discuss the potential for future partnership. Excited about what could come next!

#OnTimeHarvest #OperationHOPE #FinTech #cbcf #financialfreedom by @chanelmonique07

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a month ago

In 2025, On Time Harvest was just an idea and we attended Finovate with a vision.

One year later, in 2026, On Time Harvest is LIVE and we’re on the Finovate stage demoing what we built!

What a difference a year, faith, and persistence can make.

Explore On Time Harvest: https://www.ontimeharvest.com

#finance #FinovateFall #FintechFounders #StartupJourney #tech by @chanelmonique07

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a month ago

We presented at FinovateFall!

We are truly grateful for this opportunity and thankful to God for giving us the strength, courage, and ability to keep stepping out on faith. What started as a vision is becoming something real, and we’re grateful for every step of the journey.

Faith. Purpose. Progress.

#OnTimeHarvest #FinovateFall #FintechFounders #FaithOverFear #Entrepreneurship by @chanelmonique07

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a month ago