6 Things To Do With Your Tax Refund
As if it isn't bad enough that 76% of Americans are living paycheck to paycheck, there are a lot of people sitting around waiting for their tax refunds to hit their direct deposit so they can buy all of these things that they probably couldn't otherwise afford.
Those of us who have a problem with spending money before we get it have probably already calculated down to the penny what we're going to spend our tax refunds on.
This year, I will not be one of those people. I have bigger things in mind besides a shopping spree or big ticket item purchase.
I'm pretty new to this tax refund thing (three years to be exact), but I've learned from the mistakes of the people around me who I've watched blow tax refund checks and of course my own experience blowing money fast. Unfortunately, many of us are never formally educated about this tax refund business and just learn from what we see. Most people see their tax refunds as “free money" from the government but it absolutely is not. Your tax refund is nothing more than the excess amount of your money that you paid to the federal government throughout the year. Keyword, YOUR money.
Let's make this tax refund season the one that helps shape our financial futures instead of a trial period of the “lavish life". Here are some of the things that I plan on doing with my tax refund check this time around:
Paying down credit card debt
Whether you have one credit card or 10, owing folk's money is NOT cute. The first thing I'm doing with my tax refund money is paying off a good portion of my credit card balances. Some experts say to start with the card that has the highest interest rate, but considering the rates on my cards are relatively close to one another, I will be starting with the card with the least amount of debt. When that balance is zero, I'm on to the next.
Paying some bills in advance
People come and go, but bills, my dear, are here to stay. Of course you could wait to pay your bills on their respective due dates as you usually would, but what harm is there in getting a head start on next month? And the month after? None whatsoever. Making some advance payments on some bills can ease some of that “first of the month" blues.
Putting some coins to the side
I've gotten into the habit of always having some emergency money stashed away somewhere because quite frankly, sh*t happens--like my MacBook wanting to give up on me every few months or so (yes, I'm in my feelings). You never know what the future holds, so just in case something crazy happens, make sure you have the money to take care of it without being broke afterwards. I definitely will be dropping some coins into my savings for the rainy days.
Investing in your work/career
Whether it's a business that you want to start or career move that you're looking to make in the near future, things that usually bring you money take some sort of monetary investment. Simply put, it takes money to make money. Investing in something now that can secure you a bomb financial future is a sure win.
Revamping your work space (especially if you work from home)
As a writer, I do a lot of work from home whether I'm writing for my own site or freelancing for another publication. In the last few months of my writing career, I've been slowly adding things to my home workspace to make me work more productively. Now, I can take care of the things that are more for aesthetics than productivity, like a new bookshelf and wall decor. FUN!
A treat of your choice
I'd be doing a disservice if I sat here and acted like tax refund checks were all work and absolutely no play. Haha, imagine that! Some people like their money where they can see it, like in their closet in the form of clothes. I'm more of an experience kind of gal. I'm not going to use my whole tax refund check to fund a big lavish vacation but I will put a few dollars to the side as my vacation spending money for when I go away in March. Treat yourself as long as it isn't going to put you right back at square one.
Now that you guys have gotten to see where my head is at, I'd love for you all to share some of the responsible (another keyword) ways that you plan on spending your tax refund check. That's if your spending it at all of course!
Featured image by NeONBRAND on Unsplash
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ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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It’s almost that time when the girlies are gonna be hopping in the chair to get the most popular style of the warmer seasons: goddess braids. Goddess braids are not just a hairstyle; they're a statement of elegance, power, and divine beauty. Whether you've recently adorned yourself with these stunning braids or are considering them, one thing remains certain: maintaining them is key to preserving their splendor. In this guide, we'll delve into the art of maintaining goddess braids, ensuring they remain flawless for longer periods.
Let’s start with some pro tips from Breanna Knights, a Brooklyn-based stylist with over a decade of experience in the beauty and fashion industry, specializing in goddess braids. She takes pride in maintaining the beauty and longevity of her clients' goddess braids, focusing on ensuring their scalp and curls remain healthy and hydrated.
Knights’ expertise extends to understanding the tension level, hydration needs, and proper cleansing techniques for goddess braids.
Hydration Is Key:
Moisture is essential for maintaining the integrity of your goddess braids. Use a lightweight leave-in conditioner or moisturizing spray to hydrate your scalp and braids. Pay attention to the ends of the braids, as they tend to be the driest part. Avoid heavy products that can weigh down the braids and cause buildup.
“To maintain neatness and longevity for goddess braid styles, I recommend treating the goddess hair just as you would your natural curls," Knights tells us. "This consists of putting up your hair at night in a bonnet. I also encourage using mousse or a bottle of water mixed with conditioner to make the curls bounce back. These two options depend on if the curls are a synthetic blend, or if it’s 100% human hair."
When it comes to keeping the goddess curls refreshed and hydrated, Knights’ favorite mousse brands include:
Bumble and bumble's Bb Curl Mousse
Bumble and bumble
Bumble and bumble's Bb Curl Mousse is a lightweight mousse that enhances curls with a blend of oils and butters, providing long-lasting volume, and bounce without stiffness.
The Vigorol Mousse Olive Oil
Amazon
The Vigorol Mousse Olive Oil is a fave amongst the girlies. Reviewers say, “Product works well taming frizzy curls as well smoothing natural hair, human hair, and synthetic crochet or individual braided hair. Adds shine without looking or feeling greasy.”
Knights also recommends using Creme of Nature Argan Oil Intensive Conditioning Treatment mixed with water in a spray bottle. “These products are sure to bring curls back to life," she adds.
If you’re looking for particular techniques or tricks to alleviate tension or discomfort often associated with wearing goddess braids, Knights shares that knotless goddess braids are usually done with less tension at the scalp, rather than traditional braids. “I highly suggest gauging tightness throughout your braiding session with your stylist. Should your braids end up too tight, one of my favorite go-to's is the Bumble and bumble’s Hairdresser's Invisible Oil. It provides a cool sensation on the scalp, without over saturating the scalp with oil,” Knights says.
The stylist also suggests a spray bottle with water to relieve tension. Additionally, less styling in the first few days of installing the braids to avoid scalp irritation.
Gentle Cleansing:
One topic that can be confusing when committing to goddess braids is the washing process. Should I wash my braids? How often should I wash them? We had all the questions, and Knights came with the tea. “Everyone’s wash [day] routine is different. To each client’s discernment, by weeks 3-4, if your scalp is itchy or shows signs of dandruff, it would be safe to wash your braids.
"I highly recommend paying more attention to the scalp rather than the braids itself. Keeping the braids up in a bun while saturating the scalp will keep the curls from matting and tangling during the wash process. After washing the scalp I recommend reapplying mousse and tying the hair down with a scarf to help tame any frizz that may occur after washing.”
Protect Your Crown:
One of the biggest keys to the longevity of goddess braids is having a braid bonnet and shower cap to ensure that the braids are dry. Invest in a satin or silk bonnet or scarf to protect your goddess braids while you sleep. Cotton pillowcases can cause friction, leading to frizz and flyaways. Additionally, tying your braids with a silk scarf can help preserve their shape and prevent them from unraveling.
“Combing through the loose curls with your fingers and having a routine to ensure that the hair isn't matting or entangling into one another can help with longevity as well," Knights shares. "The same way you’d care for your curls after a successful wash day would also promote the longevity for any 'goddess' style!”
Courtesy
Regular Touch-ups:
As your natural hair grows, your goddess braids may begin to loosen or develop new growth around the edges. Schedule regular touch-up appointments with your hairstylist to re-braid the edges and ensure a seamless look. Avoid leaving braids in for too long, as this can cause tension on the scalp and lead to breakage.
Minimize Manipulation:
While it's tempting to constantly touch and style your goddess braids, excessive manipulation can lead to frizz and premature loosening. Limit the use of styling tools and refrain from pulling or tugging on the braids. Embrace the natural beauty of your braids and allow them to flourish with minimal interference.
Nourish from Within:
Maintaining healthy hair starts from within. Ensure you're consuming a balanced diet rich in vitamins, minerals, and hydration to promote hair growth and vitality. Incorporate foods such as fruits, vegetables, lean proteins, and plenty of water into your daily routine for optimal hair health.
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