I prayed for the moment when I could call up the bank rep and confirm my final credit card payment. "$1,884.28." That’s what she told me after I said this would be the last payment that would make me debt-free. I would’ve paid it online, but I wanted to make sure that the last of the interest was accounted for. I wanted to see that account balance at zero when it was all said and done. I wanted to truly be free.
Over three years, I paid off a total of $46,217.24—eight credit cards, one personal loan, and a pesky bill from the dentist. It wasn’t just a financial accomplishment but a personal victory that taught me invaluable lessons about perseverance, sacrifice, and financial discipline. This journey wasn’t easy—it was filled with setbacks, emotional roadblocks, and countless hours of hard work.
The truth about money is that it’s more of a mental game than anything. You have to believe you deserve better and that you’re capable of living a life that others only dream about. Then, you have to put in the work to bring that dream to fruition.
Here’s how I paid off my debt and five essential takeaways that can help you on your path to becoming debt-free.
Takeaway 1: Start Small, but Start
My journey began in October 2017 when I was living in a tiny bedroom in Los Angeles, sharing a house with six strangers. Despite juggling multiple jobs, including freelance writing and catering, I found myself drowning financially. I had tried to get out of debt before, but without a clear strategy, I never made much progress. That’s when I discovered Dave Ramsey’s The Total Money Makeover, which introduced me to the concept of “baby steps.” I quickly saved $1,000 and began paying off my debts from smallest to largest. The progress felt encouraging, but the reality of my situation would soon hit hard.
One of the most significant challenges in tackling debt is simply getting started. Begin with small steps, like saving an emergency fund or paying off the smallest debt first. The momentum you build from these small victories will keep you motivated as you tackle larger debts.
mapodile/Getty ImagesTakeaway 2: Prepare for Setbacks
As the winter season approached in Los Angeles, my catering gigs dried up, leaving me financially vulnerable. I worked through the holidays, sacrificing time with family to earn extra money. But by January, after multiple job rejections and no income in one of the most expensive cities in the U.S., I decided to move back to Atlanta. The transition wasn’t easy—months of unemployment, draining my savings, and relying on the generosity of my grandparents took an emotional toll. Despite these challenges, I remained focused on my goal.
Life is unpredictable, and setbacks are inevitable. Whether it’s an unexpected job loss, a medical emergency, or a family crisis, having a plan to navigate these challenges is crucial. Build a safety net that can help you stay on track even when things don’t go as planned.
Takeaway 3: Sacrifice for Your Future Self
In July 2018, I resumed my debt-free journey with renewed determination. I took on side hustles like Uber Eats and freelance work in addition to my 9-to-5 job to increase my income. I drastically cut my expenses, forgoing luxuries like hair and nail appointments, dining out, and vacations. Every extra dollar went toward my debt.
By 2019, I sold my leased car to eliminate the burden of car payments, insurance, and gas. At the time, I lived within walking distance of my job and was in a walkable part of the city, so while it wasn’t optimal, it wasn’t a huge inconvenience to not have transportation. The journey was long, and at times, I felt isolated, especially when friends and family continued living lives that seemed carefree in comparison. But one thing I learned was that a lot of people can’t truly afford the lifestyle they share on social media. I often had to remind myself that short-term fun wasn’t worth long-term strain.
Paying off debt requires sacrifices. Whether it’s cutting back on dining out, skipping vacations, or taking on extra work, these sacrifices are temporary. The freedom you gain from being debt-free is worth far more than the short-term pleasures you might give up while on your journey.
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Takeaway 4: Focus on Your "Why"
As I paid off more debt, I faced emotional exhaustion. I lived in a noisy apartment that made it hard to sleep, couldn’t afford to move, and felt the strain of watching others enjoy luxuries I couldn’t.
However, I reminded myself that my sacrifices were paving the way for a better future. I wanted a life where I could buy things and go places without worrying about a bill waiting for me when the dust settled. I wanted to have the freedom to do work that I cared about without worrying about how quickly the money would come back to me. I wanted to be in the position to take care of my mom and grandparents—pay off their homes and ensure they have the best care so that they could actually enjoy their later years.
I wanted to build wealth for myself and my future family so that one day my kids could live a life and choose careers that they really wanted, not just random jobs for a paycheck. I wanted to be able to give and invest without wondering how I was going to be able to provide for myself, to support my church, my people, and my community.
In short, I wanted to live a life that many people never lived, and I didn’t want to wait until I was near my 70s and retired to live it.
When the journey gets tough, and it will, remind yourself why you started. Whether it’s to provide a better future for your family, achieve financial independence, or live a life free from the stress of debt, keep your “why” front and center. It will help you stay committed even when the road seems never-ending.
Takeaway 5: Celebrate Your Wins
In the last six months of my journey, I allowed myself to enjoy some small luxuries again, like moving into a better apartment and taking a couple of trips—paid in cash, of course. While I might have paid off my debt sooner without these indulgences, they were essential for maintaining my mental health. On July 15, 2020, I made my final payment and crossed the finish line as a debt-free champion.
As you make progress, don’t forget to celebrate your wins, big or small. Whether it’s paying off a credit card, saving an emergency fund, or finally becoming debt-free, acknowledging your achievements is important. It reinforces your progress and keeps you motivated for the next goal.
Paying off $46,000 in debt was one of the most challenging yet rewarding experiences of my life. The journey taught me discipline, resilience, and the importance of staying focused on my long-term goals.
Recently, I was asked for my advice to someone who is on a similar journey. My answer: Stay prayed up. Stay focused. Surround yourself with people who support you and don’t drain you. And if you don’t have anyone, find them in other communities—your church, Facebook groups, YouTube, etc. Know that you’re not alone on your journey. And when times really get hard, remember why you started. You’ll be grateful that you didn’t quit once you’re on the other side.
Want to read more about my debt-free journey? Check out the original post on Write On Kiah for the full story and share your own experience in the comments!
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The essence of effortless poise and refinement shines bright through the iconic university colors of indigo blue, red, and white. Every October, Howard University students, alumni, staff, and friends gather on the prestigious campus in Washington, D.C. to take part in time-honored traditions and events, which is Homecoming. This year's theme, “The Meccaverse,” was a week-long celebration of Howard University’s heritage, including the Homecoming football game and Bison Pep Rally, the Fashion Show, Greek Life Step Show, Homecoming Day of Service, Lavender Reception, and the iconic Yard Fest Concert.
As 2024 marked the 100th anniversary of the Howard Bison trek back to The Mecca and after two years of virtual events due to the COVID-19 pandemic, this was to be a celebration of a lifetime. We enlisted HU alumnus Sharmaine Harris, a luxury retail buyer, as she revisited her alma mater as eyes on the yard for fashion-forward outfits mixed with personal style and campus pride for the weeklong celebration.
Before we get to the looks, discover how attending Howard University impacted her career in fashion and her day-to-day style:
Credit: Sharmaine and Friends
xoNecole: Describe your personal style. Did attending Howard have any impact on developing it?
Sharmaine: Howard taught me that there’s no such thing as being TOO dressed. There’s always a reason to “put it on” and look presentable, even if it’s just for a day of classes. Standing out was celebrated and encouraged with my peers embracing the opportunity, giving me the confidence to try new styles and trends.
xoNecole: How did Howard shape your career as a luxury buyer?
Sharmaine: I studied Fashion Merchandising, through which I was fortunate to have professors who were very connected to the industry and able to give first-hand accounts of opportunities and what to expect post-college. I was also able to build a network through my peers and other Howard Alum, which has opened doors to endless possibilities both within fashion as well as daily life.
The same confidence instilled in me through my style has also been rooted deeply within me as I step into any role or project I’m faced with throughout my career.
xoNecole: This year marked Howard’s 100th-anniversary Homecoming celebration. Can you describe what the weekend looked and felt like?
Sharmaine: I’ve gone to many Howard Homecomings since graduating, but this year’s 100th anniversary felt like a huge family reunion filled with nothing but love. It was beautiful to see so many Bison return home looking great and radiating joy. It was beautiful!
xoNecole: What makes Howard fashion different from other HBCUs?
Sharmaine: Being that Howard is The Mecca, we have such a diverse population with each individual having their own spin on fashion. Getting dressed is second nature for us, but the layered confidence is our secret ingredient to make any look come together. Through that comfortability to push barriers, we have a legacy of setting trends, as indicated by the many alumni we have in the fashion and entertainment industry.
Keep scrolling for the top street style moments from The Mecca's Homecoming weekend:
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Join us in celebrating HBCU excellence! Check out our Best In Class hub for inspiring stories, empowering resources, and everything you need to embrace the HBCU experience.
Featured image courtesy of Sharmaine Harris
Anyway, in my personal opinion, when it comes to sexual activity, there should also be etiquette that should be applied — you know, “rules of conduct” (or engagement) for how we should expect to be treated and how we choose to treat others. Because, even if you don’t hear about sex being presented in the form of needing to have manners, having a certain level of decorum, and/or requiring a mutual level of dignity, that should absolutely be the case.
And just like some of the lifestyle etiquette tips that I learned back in the day have stayed with me all of this time, it’s my hope that if you aren’t applying (or requiring) the following 10 sex etiquette suggestions (all 10 of ‘em too) that you will start…so that they will remain with you as well.
1. Discuss Sex-Related Things That Will Directly Impact Y’all’s Health
GiphyDoes even one day go by when someone on Instagram, X, or TikTok isn’t talking about why someone should or should not know another person’s body count (check out “6 Things About The Whole 'Body Count' Debate That Should Be Discussed”)? Although I have been known to say that the kind of things we’re proud of, we tend to brag about without hesitation, that doesn’t mean that I think people are owed that type of information.
That being said, that doesn’t mean I’m not aware that there is science to back up that the more sex partners men have, the more that they increase their chances for being diagnosed with cancer; that a higher amount of sex partners can impact whether or not you get married (and that it tends to lead to divorce more often as well), and that an uptick in partners can even increase your chance of becoming a substance abuser.
Not to mention the fact that, as Dwayne Wayne once said on A Different World episode (that featured a great performance by Tisha Campbell), “the longer the list, the greater the risk” (of contracting an STI/STD) — however, if we’re looking at this point from nothing more than a sexual one, really what someone deserves to know is if you’ve been tested for STI/STDs within the past 6-12 months and, if not, if you’re willing to get tested prior to having sex with them. Anything else really is privileged information and totally up to the individual to share — both directions too.
2. This Includes Afterplay. Beforehand.
GiphyChile. I can’t tell you how many times someone has told me that they found themselves either embarrassed or flat-out pissed about how a sexual experience went. It wasn’t because of the sex itself; it was more about how things were handled afterward. Now, if you’ve never seen the (wow) 35-year-old film When Harry Met Sally (Billy Crystal, Meg Ryan) before, there’s a scene where Billy Crystal’s character talks about men trying to figure out in their mind how long they should hold a woman after having sex with her.
To me, the modern version of this is after sex, when someone asks, “So, what are you about to do?” because that sounds like code for, “You ain’t got to go home but…” Listen, when two people have real feelings for each other and/or are in a long-term dynamic, this point is — or at least, should be — pretty irrelevant.
However, if you’re in a casual sex dynamic or a situationship, I promise you you're putting yourself in a position to “feel some type of way” if you merely assume that afterplay means cuddling all night long while he thinks it’s more like polite convo for 10 minutes and then bouncing (or vice versa). If you don’t want to be bedside blindsided, discuss beforehand how you each prefer to get down.
3. Ask Before Sexting
GiphyI don’t care if the two of you have never had sex before or if you’ve been doing it for a while at this point, but if sexting has never (pardon the pun) entered the chat, you both really should ask before you start sending NSFW stuff into each other’s devices. Some people don’t like it. Some people prefer to know when stuff like that is coming because they don’t want what is being said or shown to be exposed to those around them.
Some people prefer not to “shift gears” (as far as their energy field is concerned) when it comes to being in one mindset and all of a sudden receiving sex-related content that they weren’t prepared for. Believe it or not, there is data to support that the art of sexting can improve coitus overall. However, the same research says that it needs to transpire under the umbrella of mutual respect and clear communication. I agree 1000 percent.
4. No Means No. This Applies to Us Too, Ladies.
GiphyMedia culture can be so…irresponsible, sometimes. Since we’re talking about sex, specifically, today, take when it comes to men and sex. Contrary to popular belief, no, that is not all that they think about and no, they aren’t always in the mood — for a myriad of reasons. And that’s why, I think it also should go on record that just like it’s wrong for a man to try and push a woman past her “no,” women shouldn’t do it either.
It truly isn’t said enough that you shouldn’t simply call it seduction if a guy doesn’t want to and you keep trying to get him to anyway while defining it as coercion when the shoe is on the other foot. The saying “no means no” shouldn’t have a gender bias on it. Everyone should have their boundaries respected — at all times too. Full stop.
5. A Clean and Comfortable Scene
GiphyFresh bedding. A clean bathroom. A washcloth and towel for your partner. Flip-flops (to walk around and/or take a shower in). Lubricant. Bottled water. These are the kinds of things that immediately come to mind when I think of what should automatically come with someone spending intimate time in your home. It’s also what you should be fine with requiring should you choose to have sex at someone else’s house too.
Because even if there aren’t things like scented soy candles and a ton of ambiance, you and your partner at least need to feel like you both are in a space that is clean. This should be a hands-down non-negotiable, by the way.
6. Turn ALL Devices Off
GiphyI don’t know if this means that the sex is/was really wack or you’re just a phone addict in denial but if you are “one out of every five individuals” who checks their phone during sex, I’ve got a bevy of questions for you. SMDH. For this one, in general, though, I don’t have a lot more to say other than, I don’t know how anyone could think that checking their notifications during sex — any kind of sex — isn’t rude as hell and definitely a reason for someone to hard pass on wanting to “engage” with them ever again.
So yeah, for this one, let’s go with an automatic “all devices off” rule. Since most people only want sex to last somewhere between 7-13 minutes anyway (is that per round…or???), I’m pretty sure that whatever IG Live that you’ve been waiting on can wait. Goodness.
7. Have Your Own Stash of Condoms on Deck
GiphyAssuming that the guy should always bring the condoms is about as sexually irresponsible as a guy thinking that he doesn’t need them because the woman he’s about to have sex with should be on birth control. My point here is that you really need to have your own condom collection. One, so that you’re always prepared. Two, so that you can select the condoms that you prefer (most guys are totally fine with that). Three, no matter what you might think that it implies, mature folks get that it means you are serious about protecting your health and well-being.
And what if discretion is what you’re the most concerned about? No worries, there are all kinds of condom carriers out here that basically look like tiny wallets (for example, here).
8. Keep Cleansing Cloths Around
GiphyHygiene is important, is it not? Although going into graphic detail about it may be something that most people would want to avoid, sometimes sexual activity happens spontaneously with no bathroom close by. And listen, even if the movies act like (for instance) oral sex after getting all sweaty from dancing all night in the club is hot, my mind automatically goes to it being kinda gross. So, at least keep some rinse-free cleansing cloths on deck if you don’t want to wait until you can hop into a shower. A pack in your purse or glove compartment can go a really long way. Straight up.
9. Don’t Be a Show-Off
GiphyOne guy who I had sex with back when I was in college, I was so excited about — initially. At the time, he was fine, and then some mo’ fine. To be honest, although we were very cool and spent a couple of years on campus together before I — eh hem — indulged, the main reason why I wanted to sleep with him is because I thought that his looks were a preview of his performance level. Boy was I wrong. Any time I refer to our, umm, time together, I call it “Cirque du Soleil sex” and even that is being generous because that man was trying to put me into every twist and turn that he could in under 20 minutes.
It’s like he was trying to prove that he could hold it down…and all that ended up doing was backfiring — supremely so. Moral to the story here: sex should be about two people enjoying each other, not low-key trying to compete or “outdo” one another. Anyone who says otherwise is truly bringing poor form to the bedroom, whether they realize it or not.
10. Watch Your Words. Afterwards.
GiphyOn the heels of what I just said, if sex with your partner was pretty much the equivalent of watching paint dry, it’s still important to be thoughtful about what you say. Lack of empathy, being inconsiderate of their feelings, talking to them in a way that would damn near cause you to blow a gasket (or melt into the floor) if they did the same thing to you — all of this files under hella rude behavior.
And while we’re here, please watch your body language — you know, heavy sighs, eye-rolling, stonewalling…if you don’t want to have sex with them again, that is totally your right; that doesn’t mean that you have to humiliate them in the present, though. You know, A LOT of people carry their ego in the bedroom — male and female.
That’s why I write articles like “So, 10 Women Sat Down And Told Me Why They Fake Orgasms...More Times Than Not” and “Men Fake Orgasms (And 14 Other Semi-Random Things About Them In Bed).” So, whatever transpires, try to be kind and compassionate. Karma shows up, even in the bedroom. Make sure it’s proud of how you handled yourself. One way or another, you’ll be glad that you did.
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Sex etiquette. As you can see, it’s a very real and necessary thing. I’m curious, though. When you get a chance, hop in the comments to share some other “copulation manners” that you think are important, along with how you handle matters when they are missing or go awry. Hey, when it comes to having better sexual experiences, we’re all in this together.
Kinda. Sort of. You know what I mean. LOL.
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