Let's face it: Debt is a common part of the personal finance reality for millions of people in the U.S., and it's something, as Black women, we often struggle with. It can keep you up at night, lead to that final step to start a side hustle, or simply serve as a reminder of an option that facilitated your journey to live your best life.
Whatever your reason is for being in debt (or owing a balance to any entity or person), you can be empowered and find solutions for how to cope with debt. Try these steps in order to get a handle on things and gain balance:
Step away from the guilt, shame and fear.
Oftentimes, there's an element of fear and shame when it comes to facing debt. You might feel overwhelmed just by the mere thought of owing anybody money. It might even contribute to depression and anxiety. This is why an important first step is to deal with the feelings of shame, talk with a professional (find free resources here) and find ways to overcome those feelings in order to focus more on a plan of action.
Also, remember that you're not defined by debt and that you're a beautiful human being who simply happens to have debt. It's not the end of the world and it doesn't diminish the amazing person you are. Your life and mental wellness are priceless and should be celebrated and protected.
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Honestly evaluate your income and budget.
If you don't have a budget, now's a good time to create one, even while in debt. When you have a budget, you get to know exactly how much money you're earning, how much you're spending, and what your bills truly are. This is the perfect opportunity to get honest about your money flow (even if you're unemployed or underemployed) and a great time to find out what your options are in terms of a plan to pay down debt. And make technology your friend. There are several budgeting tools and apps that will do all the hard work for you when it comes to tracking your expenses and money flow.
Be sure to take a realistic approach to budgeting, including recognizing what you're willing to give up, cut back on, or not. Getting help with this is also a good idea if budgeting is something that overwhelms you or is something you struggle with, and there are nonprofits and orgs such as Greenpath to look to for options in debt management.
Contact your creditors and explore your options.
Bills like those with medical institutions or hospitals can oftentimes be negotiated, down to the final sum due. You can also discuss your options with credit card companies and explore your payment options based on "hardship" programs. It can be a huge relief when you know you have options and everything isn't all doom and gloom. Oftentimes, you can get a handle on debt simply by talking with the party you owe, asking lots of questions about what your options are, and even making an offer that's more beneficial for you (i.e. settling the debt for a lower lump sum, forgiving late fees, or forgiving the loan altogether.) You can find empowerment by negotiating, even for conditions or amendments, that you didn't believe to be possible simply because you were so focused on worrying about the debt.
Celebrate the wins, big or small.
Whether you paid off a $200 debt or are much closer to finally paying off that $20,000 student loan, celebrate it. Don't let it just pass by as if it's a blip on the personal finance radar. It's good to treat yourself and focus on the good in the journey. Experts recommend doing this so that you can have something positive to focus on while you're going through a debt-management journey that challenges you. You can find small and affordable ways to do this. Include your support system and enjoy the company of family, friends, or bae.
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Explore other options for income generation or downsizing.
While you may not want to add on the stress of a second job or side hustle, it might be a good idea to look for other options to bring more money in. Explore the return on time investment and really tap into why getting a second gig, applying for a higher-paying job, or asking your company for a raise might be the best option, especially if you're trying to avoid continued interest expenses and just knock the debt out as soon as you can. You'll have to become super-deliberate about how you're spending your time and ways you can bring in more income in order to pay down the debt.
If you can move in with a family member, take on a roommate or tenant, or try a weekend gig in which the salary or income goes totally toward cutting down debt, it might be a worthwhile sacrifice in the long run.
Whatever reducing debt can mean for you, peace of mind is priceless. Finding strategies or realistic ways to reduce debt is both reasonable and doable. With a bit of planning and determination, you can do it, sis. Remain encouraged and try the tips above to take your life back.
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It's easy for couples to fall into a routine, going through the motions and letting their connection sit on autopilot. While comfort is natural in a long-term relationship, it’s important to remember: that what you don’t nurture, eventually fades. So, why not make 2025 the year you reset your relationship? Here’s how to start the year with a renewed bond, reigniting the spark that brought you together.
Step 1: Schedule Your Reset Meeting
The first step to hitting the reset button is a State of the Union meeting with your partner. This is your chance to take a pulse on the relationship, discuss what's working, and identify areas that need attention. It’s all about creating space to reflect, without distractions.
Grab a pen and paper (or open a shared note on your phone) and come prepared to share your top 2-3 desires for your relationship.
What do you both want to feel more of in 2025? Maybe it’s feeling more appreciated, or perhaps you want to reignite the passion you had when you first started dating. Whatever it is, get clear about it, and make sure both of you are on the same page.
This isn’t just about listing your own wants, it’s also about discussing ways to nurture each other’s needs. Relationship goals should be focused on fostering deeper intimacy, trust, and mutual respect. Use this time to check in, not only with each other but with your individual feelings and expectations. Set the foundation for a fulfilling year ahead.
Alistair Berg/Getty ImagesStep 2: Set A Date (Or Multiple!)
Having the meeting is only the first step. Now, it’s time to take action. One of the simplest ways to breathe new life into a relationship is by reintroducing consistent, intentional time spent together. For many couples, life gets busy, and date nights fall by the wayside. But dating doesn’t stop when you say "I do"—in fact, it’s even more essential.
During your reset meeting, lock in a regular date night that works for both of your schedules. This could be a weekly dinner date or an every-other-week adventure—whatever keeps things fresh. The goal is consistency. It’s easy to push date nights aside when life gets hectic, but if you set a specific date each week or month, you’re making your relationship a priority.
If you’re unsure what to do for your date nights, don’t worry! The key is creating new experiences together. This is what sparks excitement and brings you closer as a couple. Whether it’s cooking a new recipe together, trying a dance class, or exploring a nearby town, it’s about creating shared memories that build your connection.
Getty ImagesStep 3: Find an Accountability Partner
Just like you might have a personal trainer to help you crush your fitness goals, an accountability partner for your relationship can do wonders for keeping both of you on track. Consider hiring a marriage coach or therapist—someone who can meet you where you are and guide you in strengthening your relationship.
When selecting a professional, it’s important to choose someone who truly wants the best for your marriage and can provide actionable advice.
Don’t be afraid to set high standards for your relationship, and seek guidance on how to keep it thriving for the long haul. In your reset meeting, discuss your commitment to growth, and be honest about areas where you may need support.
Marriage isn’t a set-it-and-forget-it endeavor—it’s an ongoing process. Regular check-ins with a professional can help keep your relationship in tip-top shape and “divorce-proof” by addressing issues before they become insurmountable.
DMP/ Getty ImagesStep 4: Try Something New Together
Stale routines can easily make a relationship feel monotonous. Spice things up by trying something new! Couples that explore new activities and create new memories together have stronger, more fulfilling bonds.
My husband and I host one of the top luxury marriage retreats, A Weekend For Love, designed to help couples experience new things together. From couples' workshops to outdoor adventures, the retreat provides a platform to rediscover each other and reconnect on a deeper level.
The element of surprise can reignite your connection. It’s exciting, fresh, and shows your partner that you’re committed to growing together. This doesn’t have to be a huge commitment—it could be as simple as trying a new hobby or planning an impromptu weekend getaway.
Your Relationship Should Be A Priority
As you start the year with personal goals in mind, don’t forget the importance of nurturing your relationship. It’s easy to get caught up in work, fitness, and family obligations, but your bond with your partner deserves to be at the top of your list. Resetting your relationship offers an opportunity to reignite that spark and remind each other why you fell in love in the first place.
In 2025, make a commitment to prioritize your partnership, to nurture it daily, and to invest in its growth. Take time to celebrate each other’s victories, support one another’s dreams, and build a foundation of love and respect. When you start the year with a clear focus on your relationship, you’re setting it up for success.
So, before you start mapping out your new workout plan or work goals, do yourself a favor: put your relationship at the top of that list. Your love story deserves a fresh start, too.
Happy New Year, and here’s to a love-filled 2025!
Couples, if you are ready to do the work and invest in your relationship register for A Weekend For Love: Heart Retreat Feb 21-23, 2025.
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However, to my surprise, I received an email that read: “It’s with great excitement that we announce your film, Super High: A Period Piece, has been selected for the 24th Anchorage International Film Festival.” After looking at the flight distance from Atlanta to Anchorage—a solid 10 hours one way— I’d decided this would be one I wouldn’t attend.
That was until there was a follow-up email that shared that the festival was sponsoring two excursions for filmmakers: A Northern Lights Tour and A Glacier Hike.
With that, I knew I had to make the trip to the 49th state! I flew Delta, which offered the shortest layovers—just 50 minutes each way. For a more comfortable flight on the longer legs that were about six hours between my layover city and Anchorage, I upgraded to first class with an in-app discount for $256 (the regular price of a first-class ticket runs about $2,100), which was so worth it for additional space and service for the six-hour trek.
Courtesy of Bianca Lambert
"So What’s Alaska Like? Did You Have To Wear a Snowsuit? What’s the Food Like?"
These are among the major questions I’ve gotten. Anchorage reminds me less of a bustling major city and more of a small town with an easygoing feel. When I arrived, they’d just had snow a few days before, so it was cold, and the streets were slick. So, I was so happy I’d invested in a pair of snow boots. For my first few days, the locals said it was warm. Warm to them being 20s at night and mid-30s during the day.
However, by the time I left, fresh snow was on the ground, and temps were well into the single digits—and it felt like it. Oh, the sun doesn’t rise until 10:30 a.m., and it sets around 4 p.m. That was among the most challenging things to experience because I felt like I never really woke up. So, between the lack of sun and the four-hour time difference, I felt tired the whole time I was there.
As for food, I didn’t explore a ton because I was so cold. But I found two gems! First was Whiskey and Ramen. If you enjoy ramen and exceptional service, this is a must-visit. I’d make a trip back just for their Wagyu ramen and their special take on an old fashion!
And, for coffee, I thoroughly enjoyed That Feeling Co. The coffee was great, and being surrounded by plants helped to perk up my spirits.
The Northern Lights
Iceland is one of the most popular places to see the Northern Lights, so I was very excited to know that Alaska also gets to see the Aurora Borealis light show. Typically, many people visit Fairbanks to see them, but there are tours offered in Anchorage too! When prepping for the late-night tour, we’d heard that the night we were heading out to see the lights, the cloud coverage likely meant we wouldn’t be able to see them. Bummer. I know. So, we could sit the tour out or still try. But, in my mind, I was like, why would I come all the way to Alaska not to try?
So, at about 9:30 p.m., we piled into vans and headed out to chase the Northern Lights. We traveled about an hour and a half from Anchorage, and when we stepped out of the van, it was cold and pitch black. And unfortunately, after a couple of hours in the cold, those clouds in the sky never parted for us. I know that when we see the posts of people who do get to see Mother Nature do her thing, we don’t have all of the context of the science, which is Aurora Borealis.
Sometimes, the weather just doesn’t do what we earthlings would like, which can lead to disappointment. However, our guide did give a recommendation. When you book a trip to see the lights, give yourself four to five days to see them. Don’t bank on one day because, at the end of the day, this is science.
Courtesy of Bianca Lambert
Now, On to the Glacier!
Just six hours after returning from the Northern Lights tour, we were up for the glacier tour because they were back-to-back! I was exhausted and so excited. If someone had told me I’d hike on a glacier, I would have given them a mean side-eye. I mean, where on earth does one climb a glacier? Let me share a few destinations with you, just in case you want to plan an icy adventure: Switzerland, Norway, Iceland, Chile, Argentina, and Alaska.
Aside from the fact the Matanuska Glacier is 22,000 years old, it’s the largest glacier accessible by car in the United States—27 miles long and four miles wide, making it one of the easier ones to see IRL. As a girlie with generalized anxiety disorder, I get anxious about doing this kind of thing because I know that to see these world wonders is usually a mountainous trek.
This one was two hours long, one-way, up snow-capped, windy, mountainous terrain. However, my therapist always reminds me to push myself to do what scares me (as long as it’s for a reason, of course). I held my breath for the journey there and back! And white-knuckled it from time to time, too.
Courtesy of Bianca Lambert
Once we got there, we were surrounded by fresh, fluffy snow, and it was COLD! In the negative cold. I was thankful, I’d over-prepared. If you even go on a glacier tour, I recommend a few things: Balaclava, heavy-weight gloves, cashmere socks, snow boots, and lots of layers.
Here’s what I wore. My first layer was Ann Taylor leggings and a Wolford Turtleneck. Then, I layered a cashmere turtleneck and cashmere joggers. A COACH down vest, which I’d recommend anyone own just for winter, in general, because it’s SO warm! For my feet, I wore Ann Taylor cashmere socks (I love these because they’re affordable and so warm) and Adidas Adifom Superstar Winter Boot and topped all of that with a Brandon Blackwood ankle-length parka. I know BB is known for his accessories, but the brand’s outwear is truly amazing and worth the investment. After two hours on the ice, I felt great!
If you’re open to adventure travel, I highly recommend putting a glacier tour on your list of things to do. There are a few reasons. First, standing on an ice age-old massive piece of glacier was my 2024 version of touching some grass. I was reminded that I’m a speck on this spinning rock and need to spend more time grounded in that fact as I move through the world. I looked to the sky and thought of how proud my ancestors would be, even though I know they’d be telling me to get my butt home and off a dog on a glacier!
Secondly, I gained an ever-large appreciation for Mother Nature as I learned that glaciers are the world's largest reservoir of freshwater, containing around 69% of the world's freshwater. Again, another fact that helped me gain perspective. Lastly, it’s just fun and stunningly beautiful!
After this, I’m looking forward to my next cold-weather adventure! Iceland and Argentina are at the top of the list!
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Featured image courtesy of Bianca Lambert