I Was Making $13K A Year: How Being Broke In NYC Humbled Me
Once upon a time, I was broke as hell. Not just broke, but broke as hell. Broke is when you have more month left than money. Broke as hell is when you continuously have more week left than money.
My brokest point came after I was laid off from my job at an S&P 500 listed company in 2011. I decided it was time to “give back" and joined Americorp. As a result, I was earning $13,500 annually and living in New York City. This wasn't the only time in my life I was broke before I decided to change my relationship with money, “broke" was a familiar situation.
By 2015, I had turned my situation around and was making nearly $80,000 a year. I got comfortable with my new income, took a couple of bucket list trips and launched my own company. But I will never forget the days I claimed I was “fasting" so that I didn't have to explain not having lunch because the truth was, I couldn't afford it.
As the saying goes, "What doesn't kill us makes us stronger," and there is a bright side to my days of penny pinching.
I learned valuable lessons when I was broke that I will carry with me throughout my life, and that I believe will help anyone who's in a financial struggle.
Humility Goes A Long Way
I drove a Lexus in college and it's safe to say that I was feeling myself, not exactly Kanye status, but I had a very healthy sense of self. Fast forward to 2011 when my vehicle had been towed for unpaid tickets, and I didn't even have enough money for train fare to get to work -- it was a much-deserved slice of humble pie.
Through my experience I began to understand what it was like to live paycheck to paycheck. While I wasn't exactly sitting in the front seat of the struggle bus, I began to understand what it felt like to question whether or not you'd be able to make ends meet. As a result, I started judging others less. I became thankful for the opportunities I had been afforded, and realized that nothing in this world is given and shouldn't be taken for granted.
You Have To Learn To Legally Hustle
Have you ever felt a job was below you? Right after college, I refused to take jobs that didn't require a college degree--that is until student loan reps started calling. During times of crying broke, I did jobs that I would have previously never given a second glance, and I created income streams using my skills. I sold cars, wrote term papers for college students, learned to bartend, and I even became a photo booth operator at events and private parties. There's something empowering about learning that you have "hustle" in you and that you can make cute ass lemon drop cookies when life throws you lemon peels.
Related: Six Tips For Getting Your Side Hustle Off The Ground In 2019
There Is A Difference Between Friends & Associates
In 2011, my grandfather was diagnosed with cancer. I didn't have a legitimate savings account; I barely had a bank account. A few months prior, my best friend had lost her job and was owed back pay by unemployment. As soon as she received her back pay, she purchased me a plane ticket home and see my grandfather. He passed less than a month later.
I not only learned who my friends were because of their generosity, but also because of their desire to actually be around me when we weren't having fun or spending our coins in a club. Mother Oprah said it best, "Lots of people want to ride with you in the limo, but what you want is someone who will take the bus with you when the limo breaks down." There are several people who opted not to ride the bus with me and I am beyond grateful that I learned what their intentions were early on.
Maximize & Value Resources
When you don't have money to do traditional twenty-something things, let alone paying your rent, an evolved version of first world "fight or flight" begins to occur. For me, "flight" was returning home to North Carolina, and I wasn't about to let New York City get the best of me. While I didn't become a freegan (although I knew plenty of people who were), I got creative with my life.
A friend and I did a "dining out fast". We committed to only dining out if someone else was picking up the bill. I cut my drinking bill down to zero. If I was going out, it was to open bar events. I started shopping at thrift stores and participating in clothing swaps. I effectively utilized my resources to make my money stretch. To this day, I cut corners where it makes sense. For example, I haven't had cable in five years and I've gotten really good at doing my own manicures.
One of the beautiful things about struggle is that you never know how strong and capable you are until you are challenged.
That's when you learn what you are really made of. Being broke changed my heart and life for the better. Now, would I ever want to be that broke again? Meeeehhh. Not by choice. I think I've had enough of being broke for a lifetime. What are some lessons you learned (or are learning) when you were broke?
xoNecole is always looking for new voices and empowering stories to add to our platform. If you have an interesting story or personal essay that you'd love to share, we'd love to hear from you. Contact us at submissions@xonecole.com.
Featured image by Shutterstock
Tonya Rapley is a nationally recognized millennial money expert and was deemed the "New Face of Wealth Building" by Black Enterprise magazine. She is a Certified Financial Educator and founder of MyFabFinance, where she is on a mission to help women break the cycle of living paycheck to paycheck.
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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