When you have even less time than you have money, you've got to maximize both. For those who love reading (and adding that 100th book to their Amazon wish list) that means finding something to read that's not going to take six months or more to finish, especially if you're trying to improve your relationship with those hard-earned coins.
These books—with one good one coming in at just 104 pages—are the perfect quick reads that you can either finish in less than a month, binge during an international flight or listen and find yourself through with a couple loads of laundry. All of these reads are less than 300 pages and cover a range of personal finance topics for a range of lifestyles and goals.
'The Psychology Of Money' by Morgan Housel
Amazon
At 256 pages, you could easily knock out this book in about three weeks, especially if you set a goal of at least 12 pages a day.Through 19 short stories, exploring the “strange” ways people think about money, you can learn how to approach your own money mindset and decisions surrounding the mighty dollar.
'Your Next Level Life: 7 Rules of Power, Confidence, and Opportunity for Black Women in America' by Karen Arrington
Amazon
This book, at 104 pages, packs a mighty punch in a smaller package. The founder of the Miss Black USA Pageant and creator of the Next Level Women’s Summit gives all the tea on setting ambitious goals, connecting to the right people, and positioning yourself for your next level of success among other powerful women.
'The Index Card: Why Personal Finance Doesn’t Have To Be Complicated' by Helaine Olen and Harold Pollack
Amazon
Written on the premise that “everything you need to know about managing your money could fit on an index card,” this pretty short read (another 256-page read) explains 10 simple rules that might basically be all you need to really understand personal finance. There’s a step-by-step action plan that empowers you to take better control of your financial life.
'The Black Girl's Guide to Financial Freedom: Build Wealth, Retire Early, and Live the Life of Your Dreams' By Paris Woods
Amazon
This book combines research and practical knowledge to take the complexity out of subjects related to generational wealth, investing, and debt reductions. And it’s 201 pages, making it a shorter read that’s easy to follow but with concepts that build a big impact if implemented consistently and with discipline.
'Money and Happiness (The Scientific Way): Scientifically Proven Ways To Be Happy And Highly Effective Life Hacks For Financial Independence' by Dr LV George
Amazon
It’s 140 pages all about practical, evidenced-based techniques that ultimately lead to whatever happiness means for your life, and that includes what that version of your life might take when it comes to finances. It also explores age-old stereotypes connected to the “more money = more happiness” and “faking” it until you make it. If you want a bit of super-real honesty to shake yourself into change, this one is it.
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RELATED
Whether you're planning to meet a certain financial or fitness goal, or you're simply trying to maintain and build on the progress you made this year, having something to look forward to is always a good look. Setting actual goals, according to research, actually leads to more success than just playing things by ear. So here are a few to get you started, sis:
(Disclaimer: Not everything is for everyone, so do like my Granny always says: "Eat the meat. Spit out the bone." Take on five out of the 40 and focus on that for the remainder of the year, or do them all. Either way, this is just to get you started.)
40 Ways To End The Year Strong and Inspired
Money Moves
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1. Increase your retirement (or other savings/investment) contributions by 1%.
Experts have found that you could be leaving money on the table by not upping your contributions when you can.
2. Cancel two to five subscriptions.
You could be missing hundreds, even thousands, of dollars a year due to sneaky price hikes and "updates."
3. Create a "fun" in a high-yield savings account.
This is especially important if you struggle with the dreaded b-word (budget) and will make next year's efforts a lot less intimidating. Even if it's $10 a month, do it.
4. Put on your big-girl panties, and set up automatic transfers and payments for at least one bill.
It reduces the stress of managing bills, lessens the chance of a missed payment---and the fees that come with that---and there can be cost savings for doing so.
5. Invest in a cleaner or housekeeping service.
Bosses who value their time (and mental health) invest their dollars into areas where the time they'd spend doing those tasks themselves could be better used to focus on other money-making projects. (And yes, rest is part of that.) Get a housekeeper, sis, or drop off that laundry, even if it's once per month.
6. Donate to a charity.
Beyond the tax benefits, it's a win-win for the greater good of communities you care about.
7. Review your insurance policies and negotiate a better rate (or move on) before their end dates.
Experts often agree this is a small but mighty step to take each year, especially since insurance rates are competitive, you could be spending more money than you need to (or not enough) and your insurance rates can affect your mortgage payments.
8. Call your loan provider and refinance.
As interest rates fall, “millions of borrowers may be able to refinance and get more affordable payments. As interest rates eased down to 6.5%, about 2.5 million borrowers could already refinance and save at least 75 basis points (0.75%) on their interest rate,” the Consumer Financial Protection Bureau reports. You can also refinance student and other types of loans.
9. Stop buying individual items and stock up via going bulk.
Research has found that, among 30 common products, buying in bulk could save you 27% compared with buying in lower quantities. Water, paper products, and baby products like diapers, toiletries, and garbage bags are the top items where people see the most cost-effectiveness. (This has been a lifesaver for me—children, large family, or not—especially when it comes to toothpaste, deodorant, toilet paper, and feminine hygiene products, saving stress, time, and money.)
10. Go cash-only for the holidays.
If you set smart goals and stick to limits on things like gifts, going out to eat, or groceries, you'll see the benefits of this. Cash-stuffing is one method recommended, but something as simple as taking a $10 bill out for lunch, disabling that card for an hour, and leaving your card in a safe place at the office can give you that mindset jump start to see how far you can take your money without the need to splurge.
Love And Romance
11. Say "no."
There are clear mental and physical health benefits to saying no including the setting of healthy boundaries, creating time and energy for other self-care activities, and protecting yourself from physically harmful situations (i.e. unprotected sex or abuse). Just say it, clearly and simply, when you need to.
12. Set a fun, free, adults-only date night for once a week or twice a month with your spouse.
If busy, high-profile folk have touted the success of this, even you can make the time for quality time with your partner. And it's even better when it costs nothing. The best connections are made doing something chill, challenging, or outside the usual dinner-and-a-movie date. Play a game that allows you to reconnect, take a walk in your neighborhood to chat and laugh, or try a little erotic chocolate/edible liquid/paint episode a la Mea Culpa.
13. Go out with Mr. or Ms. "Not My Type."
I love my man, but if I were waiting out for my "type" at the time, we wouldn't be celebrating seven (going on eight) years together. Sometimes having strict, unrealistic expectations for a spouse (especially related to things like height, physical features, or career path) is what's keeping you alone and lonely.
Take the pressure off and explore all your options. I'm not telling you to stop popping the balloon on the guy who earns $20,000 less than you if that's a hard no that Jesus himself told you to skip. I'm asking you to explore other options and see what else God might have out there for your love journey.
14. Immediately apologize and pray together.
I've learned that always being "right" isn't always ideal when you truly care about someone and you're in a relationship for the long haul. Defaulting to an apology when necessary, even when things aren't 100% resolved, is a good way to prioritize peace and save your energy for more worthwhile battles. Research has even supported the benefits of apologies in relationships, and how couples married for five or more years do it often.
15. Get a Rose and discover true self-love.
Do I really have to explain this? You've gotta know what satisfies you, and how better to figure that out than to practice self-love in the bed by yourself? You can also try this with a partner, but as a woman who got on this train very much later in my sexual activity journey. I have a lot more learning to do on my own, and even in a satisfying relationship, I like to find out new things about myself, by myself.
Figure out what you're into, watch what you want to watch, and read what you want to read to define pleasure for yourself. There's a freedom and empowering element there especially if you're used to prioritizing pleasing your partner.
16. Be direct and have the "money talk" with bae.
Money issues are one of the leading causes of divorce, so you need to have those conversations before you even think about marrying someone. And true, nobody can predict the future so you won't be able to avoid some challenges altogether, however, talking with your potential spouse about how they view money, their spending habits, and the pain points in terms of their approach to money management can at least give you a glimpse into what's in store if you do walk down the aisle, move in with them, or decide to share a bank account/business/child with them.
17. Invest in the "paid" version of that dating app.
I know plenty of successful, married folk who did this and met "the one" as a result. Let's be honest: The free version is for playing around. I had a lot of fun with my "free" profile back in the day, trust me. Upgrade that photo, profile, and package, and see if the quality of your dating adventures changes when you're serious about finding a true partner. Dating coaches and matchmakers cosign this.
18. Solo travel to meet that long-distance connection.
Sometimes, your perfect match isn't within 100 miles of you, and that's okay. Make it an adventure, enjoy the memories, and book that ticket. I met my man this way and it's been a whirlwind escape ever since. If you're not comfortable traveling solo, travel or (network to plan travel) with a group via Facebook.
Career And Business
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19. Schedule coffee or virtual meetups with smart people from your graduating class, previous employer, or current employer.
I have gotten many freelance opportunities by doing this. It's as simple as connecting and offering value (or simply learning how you can better equip yourself to do so.) It's also a great way to expand your network, spark new friendships, or find out about new job opportunities.
20. Invest in a well-made suit.
I don't care what industry you're in, a suit says "power," and it's not as old-school or out-of-style as you'd think. Plus the whole experience of looking for a new one (or getting one tailored) is fun and affirming. Try these options. I swear, anytime I wear a blazer, I'm treated like a celebrity or boss, especially when traveling. I was once upgraded to first-class wearing a yellow blazer outfit, and the airline professional literally said, "You look like somebody important. Here you go."
21. Volunteer for a worthwhile project or cause that's important to your company.
If you're overworked and underappreciated, skip this one, but if you truly have the time, love what you do, and want to advance, this move is clutch. Volunteering for extra projects got me where I am today in media because I had foresight, and knew that was the only way at the time to leverage relationships, and I was able to challenge myself to learn skills that 20 years later are still bankable. That VP you can't get a meeting with will be at that gala your company is planning, so join that committee, sis.
22. Write down why you deserve a raise and ask for it in your next one-on-one.
Gather those receipts (ie sales increase numbers, KPIs met, deals closed, people acquired via recruitment, the impact of systems updates, or other tangible success metrics) and ask for that raise before the first or second-quarter budgets are being finalized.
23. Instead of quitting, write down your exit plan.
While revenge quitting is set to be a thing next year (and maybe you're among those who will be leading the trend), try the better boss move and quit with a real plan.
24. Start automatically separating that estimated self-employed quarterly tax estimate.
If you have side hustles (or you're collecting 1099 income,) baby, you do not want to neglect those quarter tax payments. Talk to a professional, do your research, and set up automatic transfers to an account specifically for paying these at the appropriate due dates.
25. Sign up for a free one- to 11-week course related to your industry—or the industry you want to be in next year.
Institutions like Harvard University and platforms like Coursera offer free courses that can enhance your skills. You can also invest in certificate courses with accredited colleges as well as tech training.
26. Hit "Easy Apply" for 10 dream jobs listed on LinkedIn.
While you shouldn't solely rely on this when actively job-seeking, using this convenient LinkedIn option is a great way to get into the habit of applying for positions. And if you're already employed, you should still be "dating" other employers if you're looking to make a move in the next six months. Keep your interview skills sharp, practice toughening up for the "nos," and get a bit of an ego boost in the process.
Self-Care And Wellness
27. Pre-schedule three month's worth of massages.
Oftentimes this is cost-effective since some spas offer deals for multiple bookings. Also, it makes an act of self-care deliberate and important, not an option. When you get that reminder call, you'll know it's real.
28. Fire that therapist and try another one.
Cultural competency in mental health support is one major problem that can hinder Black women from even bothering with therapy. And who wants the added stress of spending multiple, paid sessions explaining why something is a microaggression? Cut the cord and move on to try someone else, either via a Black women therapists channel or recommendations from others.
29. Join a small group at church.
Bedside service ain't gonna cut it and neither is going to the usual Sunday service. Join a smaller group and upgrade your efforts to connect, network, and elevate spiritually. Even if virtually, take a step to dig a bit deeper with more targeted Bible study and discussions.
30. Say no, even to loved ones.
This is on here twice, for a reason. Saying no is the simplest, most powerful micro-action you can take today to make 2025 better. No explanations. No guilt. Say no.
31. Choose one "luxury" beauty product for skincare and stick to it.
This was trending big on social, especially for millennials hitting their 40s. There's just something so freeing about not giving in to every trend and sticking to the basics that work, especially when there are quality, healthy ingredients involved. Put those orders on auto-renew.
32. Sign up for a new sport or fitness class just for fun, not for results.
It's great to be on a weight-loss or weight-lifting journey, but try something just for the fun of it. Switch things up with a couple of these fitness activities.
33. Book a staycation.
Leave the passport at home and explore a nearby community or another town in your state. There's so much enrichment in your own backyard right here in the U.S., and you don't even have to break the bank.
34. Pre-schedule your mammograms, Pap smear, and peri-menopause checkups for next year.
Take control of your health by pre-scheduling essential appointments like mammograms, Pap smears, and peri-menopause check-ups for 2025. Prioritizing these screenings early ensures you stay on top of your wellness and make time for self-care in the new year.
35. Cut off support of beauty and wellness professionals whose customer service is below standard.
This is another one that many Black women have been vocal about—from unrealistic pre-appointment requirements, to booking fees, to long waits, to unsavory in-salon experiences. Spot the red flags early, and just stop accommodating foolishness. Support salons or experienced stylists who are kind, have proper systems in place and value your time.
36. Schedule five to 10-minute moments of silence on your calendar.
Again, wellness is not optional, and if it's not on my calendar, it's not official. Sit quietly. Pray. Meditate. Or do nothing. The benefits of silent moments are almost endless.
37. Download a meditation app.
If you've found that meditation is difficult to schedule or to even start, an app can help. Try this, this, or this one, and take that step to embrace something new to enhance your wellness routine. If you're tired of downloading apps, create a playlist for meditation via Amazon Music or Spotify and schedule a reminder to do it once a day or week.
38. Invest in a healthy meal prep or delivery service.
Time is emotionally expensive, so save as much of it as possible. Getting into meal prep to keep to your goals is a great way to save time, stress, and effort. The health benefits of meal prepping have also been proven via research.
39. Create a positive playlist on Spotify, Amazon Music, YouTube, or other streaming platform.
It can be podcasts, music, affirmations, or somatic sounds. It's a game-changer. You can even set an alarm to wake you up to start your day with the positive playlist. Not into creating your own? There are plenty to choose from with a quick search.
40. Set up reminders for Alexa (Siri or other AI) to remind you, "You are loved," and "You are okay."
This simple effort can boost your endorphins and remind you that you're indeed, not alone, and you will be okay, regardless. To set mine up, I simply commanded, "Alexa, remind me everyday 'Jesus loves me,'" and like clockwork she does. She almost scared the ish out of me one day when I'd forgotten the reminder was active, but it was the reminder I needed when anxiety had gotten the best of me that week.
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Those of us who remember when (thanks to Destiny Child’s now throwback song) bootylicious made it into the dictionary can certainly vouch for the fact that “made up words” can find their way into the dictionary — and not just the Urban Dictionary either. And yes, as much as I frown upon it, society and culture can also misuse words so much over time that words can change from their original meaning as well.
Take the word “nice,” for example. Did you know that, once upon a time, it used to mean foolish? Or that hussy actually used to mean wife or spinster was simply a woman who spun things? Oh, but look at those words now — pretty much because their original meaning wasn’t respected and so they shifted into other ones.
For me, as someone who writes for a living, I can’t even begin to tell you how many times in a week that I find myself saying that I am “word-literal” when it comes to many things that I say or write — and by that, I mean that I still like to give the origin of certain words the respect and honor that I feel they deserve. One reason is because I agree with research when it says that words have power as they relate to our thoughts and actions and so, we should put thought into what words were created to mean from their inception, not just what they’ve transitioned into.
Another is because, if we’re not careful, we can be using a word thinking that it should “act” one way in our lives when really…it should react totally different.
In my opinion, monogamous is one of those words and, over the course of the next few minutes, I’m going to explain why it’s like fingernails on the chalkboard to me whenever I hear anyone who isn’t married use it to describe non-marital dynamic.
Monogamous. Explained.
If someone were to ask you to define the word “monogamous” what would you say?
If it’s something along the lines of being in a one-on-one relationship, I get why that would be the case. People have been using monogamous in that context for so long at this point that I doubt most even get that the word originally meant “the practice of marrying only once in a lifetime.” In fact, certain researchers say that the word monogamous comes from the Greek one monógamos which means “marrying only once” because mono means “single” or “one” and gamy means “marriage” (hence polygamous originally meaning being married to more than one person at a time).
So y’all, if you really take all of this in, I’m hoping that you caught two things: First, monogamous is a word that was designed to be used for marriage dynamics ONLY, and second, the actual original definition didn’t even make room for people who divorce and then marry a different person.
Nope, if you are traditionally monogamous, you get married to one person and remain with that individual for the rest of your life — which yes, that means that very few people are truly and authentically…monogamous.
So, how did we get so far away from this to the point where folks who are merely dating will say that they are in a monogamous relationship?
I’d venture to say that, for one thing, over time, the sacredness of marriage and marriage vows have been lost. Perhaps now, more than ever, people are comfortable with promising to stay with someone until death parts them, only to leave and then say the exact same thing to someone else (which actually only increases the chances of divorcing again according to many cited findings). Why?
Well, some experts on the topic say that it’s because folks, more than ever, seem to “fall out of love” (I can’t stand that saying, by the way; it removes the personal accountability that comes with choosing who you love and how you act once you make the decision) with marriage about as much as they do with the person who they married.
Case in point, where it currently stands, some data says that 41 percent of first-time marriages will end in divorce and 66 percent of women are the ones who initiate it. And while there are literally dozens of things that could cause people to “fall out,” as it relates to the topic that we’re discussing today, I want to pose a very specific one: the misuse and/or abuse of the word “monogamous.”
i want your sex monogamy GIF by George MichaelGiphyI believe I’ve shared before (probably more than once at this point) that I once had a friend who was really on the edge of separating from his spouse. They were about seven years into their marriage at the time (she was a woman who ultimately ended with a shut up ring, by the way, whether she realizes it/wants to accept it or not) and he simply wasn’t happy.
As he was going into some of the reasons why, I said, “You sound like you’re bored” to which he barely hesitated before replying, “I’ve been married since I was 14.” What did he mean by that?
Well, because so many people, in my opinion, date like they are married, a lot of them end up not really valuing marriage — not at the level that marriage truly deserves, anyway. Since they’ve been in the habit of falling in love (Albert Einstein once said, “Gravitation cannot be held responsible for people falling in love;” some of y’all will catch that later), saying that they are monogamous with someone, falling out of love and then “rinsing and repeating” multiple times with other individuals — it has literally “programmed” them to see monogamy with a “fall in and then fall out” perspective.
Another way to look at it: as I oftentimes say, the way that this culture chooses to date, actually teaches people how to divorce NOT marry — and misusing the word “monogamous,” in my opinion, plays a huge role in that. I mean, if you’re dating and you say you’re monogamous with someone, what makes being married and saying the same thing really any different? What gives the word any higher value?
@therealrabbimanis Why are open marriages on the rise? #rabbimanisfriedman #rabbisoftiktok #relationshiptips #relationshipadvice #relationshiptiktok #openmarriages #fyp #foryou
And that is why I’m actually rocking with the rabbi here. It will never cease to amaze me how society is forever trying to act like the act of sex (including who you choose to participate in the act with) is no big deal — oh, but get a boyfriend and find out that he had sex with someone other than you and now all hell breaks loose. If sex is “no biggie” before dating, why are you acting like infidelity happened during dating? Why are you treating him like he’s basically your husband when he absolutely is not?
And if you want him to be, why are the two of you not putting plans into place to get married? And if you’re not ready for that, why are you ready to be in the type of relationship that basically mimics it? ‘Cause lawd, if there is one thing that social media is absolutely obsessed with, on the Lifetime Television level, it’s cheating (by the way, even in marriage, it reportedly happens 20 percent among men and 13 percent among women; not nearly as much as folks act like it does).
And you know what, whether you fully agree with the rabbi or not, you’ve got to admit that he’s made some points to at least seriously ponder. Okay, so what if you don’t ever want to get married yet you’re in a serious relationship? Or what if you and your partner are living together right now (divorce stats increase after marriage if that is the case; you can read more about that here), you’ve both decided to not see anyone but each other yet you’re not sure when marriage is coming. Does that not mean that you are basically monogamous?
Well, if you let the fickleness of culture determine the answer for you, "monogamous" has gotten to the point that many believe that it’s about having one sexual partner at a time. However, because I think that the word deserves to be highly esteemed, in your case, I would much rather prefer to use the word “exclusive.”
Exclusive. Explained.
@tonightsconversation Is this true about dating with “intention”? 👀 #dating #relationships @trippfontane @Ace Metaphor
Okay, so I had to throw Tripp Fontane’s commentary (via the video above) in first because, if you’re not in something serious yet, what he said provides some really good food for thought: initial dating should be about discerning if your intentions (whatever those intentions may be) are actually aligned with the person’s intentions who you are seeing.
Unfortunately, far too many people find themselves weeks or months into dating (and perhaps even being sexually involved with someone), all the while assuming that if some chemistry is there, a future must be there too — and that is not always or automatically the case. Tripp just proved that point.
@kingdommen23 The world may have its reasons to date but in the Kingdom we have 2 main reasons why we date!! #kingdommen #following #followers #friends #priorities
Okay, beyond that, though, the pastor in this video is definitely onto something that is relevant and necessary. When you’re dating and you want to get into an exclusive relationship (more on that in just a sec), assessing the individual’s character and seeing how well they complement you, your life’s purpose, and your goals (check out “If He's Right For You, He Will COMPLEMENT Your Life”) should be the main focus.
And what if the guy checks those boxes, you both don’t want to see other people and yet you’re not ready for marriage (or perhaps don’t even want to be married and he is on the same page about that — check out “Single-Minded: So, What If You Like Dating But DON’T Desire Marriage?” and “12 Couples Reveal Why They're Happy With A Long-Term Commitment Instead Of Marriage”)? Isn’t that more than just casual or light dating? Sure it is. And the word that I like for that is exclusive.
Exclusive: not admitting of something else; omitting from consideration or account (often followed by of); shutting out all others from a part or share; disposed to resist the admission of outsiders to association, intimacy, etc.
And why is exclusive the word that I can vibe with?
Well, for one thing, it gives credence to one-on-one relationships where marriage isn’t involved without compromising what monogamous was designed to mean. Also, it shows that you can be with just one person although nowhere in any of the definitions do you see marriage ever mentioned — and that’s because you can be exclusive with someone and not be married to them….very much so.
And y’all, perhaps if more people thought the way that I do about all of this, marriage would be treated as the sacred union that it is and people who are in serious dating relationships would still feel like they are getting the respect that they want without mocking marriage in the process — and maybe that would cause people to “reprogram” themselves (and society) from seeing and treating marriage as “basically being” the same thing as being in a serious dating relationship…because that couldn’t be further from the truth.
Marriage is so much more than dating; even serious dating.
Okay, and what about some of y’all who can’t even take in all of what I’m saying right now because you’re still stuck on what the rabbi said about there being no such thing as cheating when you are dating — even when it comes to seriously dating? Although I rock with him 1000 percent, again, because I am word-literal, I do think that infidelity and cheating apply to marriage because a part of the marriage vow is to be faithful to your spouse only.
HOWEVER, I do think that if you and someone come to the agreement that intimacy will only be shared between the two of you and they don’t stick to that agreement, they lied to you — lying is an integrity issue and you should take that under very serious consideration before contemplating marrying them.
Again, at the same time though, if sex is just recreational or something fun to do when you’re not in a relationship, I’m still not sure how it’s so life-shattering if the person you’re dating has sex with someone else?
Is that really about the sex? Is it because they weren’t honest with you? Or is it more of a bruised ego? Or could it be that you’re acting like you’re married when you’re not — and so you see him as a husband and you as a wife when…he’s not and you’re not? (Hmm…) Again, just something to think about.
Season 1 Dating GIF by The Roku ChannelGiphy____
Do I expect everyone who just read all of this to (automatically) agree with me? C’mon now. This way of thinking is so countercultural that it’s going to ruffle more than a few feathers, I’m sure. And that is why the title of this says that I use "monogamous" for marriage and "exclusive" for dating.
However, at the same time, I do think that if you would consider my perspective, even just a little bit, it could take a lot of pressure off of dating and prepare you for marriage in some ways that you never saw coming because it can help you to look at dating as preparation for marriage and not “practice run” for marriage itself (because dating isn’t “play marriage;” dating is its own thing entirely).
Now excuse me while I listen to more of what the rabbi has to say about marriage, in general, because his thoughts continue to remind me that marriage ain’t a game. Not by a long shot.
And you know what? The words that we use to define and explain marriage shouldn’t be treated as one…either. Not. At. All.
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