Let's talk money.
I grew up in a single parent household and was lucky enough to not only have a supermom but also a business savvy mom. In school we are taught all that we need to pass exams, but these lessons don’t include personal finance. Most people get into the real world and have no concept of money management or where to even begin.
I have a thirst for knowledge in this area and a passion for sharing what I know to encourage others to take money management and personal finance seriously. When it comes to money management, there’s nothing better than knowing your bills are paid, your savings is growing, and you have some extra funds to “do you.” If you haven’t gotten started just yet or would like to add on to what you are currently doing, here are some tips to jump-start the process:
1) Visualize what you are working with!
Have you ever heard people say that they are visual learners? Well, I consider myself one. Keeping an excel sheet is a bit old school but I love the flexibility in changing numbers, using formulas, and the ease of sitting at my laptop and being able to see all my funds at once. Depending on your pay schedule, list out which bills you plan to pay with what check. After you add these things up, subtract from your net pay and what's left over, you can play with! Now if you are more tech savvy and prefer to have your budget at your fingertips, consider looking into apps such as Mint, which allows you to have convenient access through your smartphone. Remember, the key to budgeting is to track your spending! By doing so, you’ll know where to cut back and where you have room to wiggle.
2) Don't forget to pay yourself.
Although we can get caught up in the hustle and bustle of life, there’s nothing like knowing you have some “tuck-away” funds. Before you do anything additional with your money, put away a set amount of funds into your savings account. Make saving a priority; don’t wait until you’ve spent most of your money and only save what’s left. “The goal of paying yourself first is to help make sure your future self’s key financial goals are covered, including building up an emergency fund, contributing to retirement and saving for any other long-term goals (Forbes).”
3) Have a savings account that is not tied to your primary bank account.
We all know the saying “robbing Peter to pay Paul.” This is exactly what happens when we co-mingle our funds, so to speak. You say to yourself you’re going to save $100 a check but once you start getting down to the last few dollars in your checking account, you start to slowly dip into your savings. How come? Because it's so easy. All you have to do is transfer the money and it’s immediately available. A solution for this would be to keep your "real" savings separate. I opened a savings account with a completely different bank and chose not to get a debit card for it. The best part of this account you ask? It takes three days to transfer money into your checking account. By the time you would receive the money, guess what? Those shoes or that bag isn’t so important.
There's also Digit. This free website and app studies your financial moves and automatically transfers money from your bank account to your Digit Account. They will send you daily, fun texts with updates of your balances and transfers. You can choose to save more, pause savings or withdrawal your money via text as well. Your money is FDIC insured and they have a no-overdraft guarantee.
4) Know Your Debt. Then, Knock It Off!
Make it your business to know what's out there in your name! Lots of people get duped for being uninformed. You can and most certainly will be penalized for not paying bills in your name, even if you knew nothing about them. Pull your credit report, everything you need to know will be included. Next, make a list of your debt from the smallest amount to the greatest and start knocking them off one by one. Each time you finish one, take the extra money and apply it toward the next debt. As you begin to see your debt decrease, you will feel motivated to keep going.
5) Did somebody say rainy day?
Now I'm sure we all know how it feels to get caught in the rain without an umbrella! The same applies to unforeseen circumstances that may leave you in a bind and needing some quick funds. Most financial advisors recommend having at least 3-6 months of living expenses saved. Yes, you heard me right, 3-6 months and that includes rent, monthly debt payments, and whatever other obligations you have to take care of. For some of us when we add that up, that number can scare us so I recommend starting small. According to financial author Dave Ramsey, an emergency fund of $1k is a good place to start. Set a plan, take your time and you'll get there. Once you reach that $1k goal, set small goals to get yourself to that 3-6 month cushion. “You cannot expect victory and plan for defeat” (Joel Osteen). Small victories are better than none!
6) It's never too early to start saving for retirement.
Unfortunately, by the time many of us retire, the social security program may be depleted. This is one less source of income a retiree will have to look forward to. Don’t let this discourage you, take advantage of the many options that are available to you. More often than not, we may approach situations with the “we have time” mind frame. Well honey, time flies and when it comes to investing, the earlier you contribute, the greater your return. Contact the HR rep for your employer and see what options are available to you (ex: 401(k) or pension). If your job doesn't provide you with options or you prefer to do your own thing, look into options such as a Roth or Traditional IRA. Doing your research is key; then go with the best option for your financial situation. There’s a huge misconception that you should wait until you make more money to save. This couldn’t be more inaccurate. As you get older, in most cases you have more responsibility (kids, spouse, mortgage, etc.) and these things will be just additional reasons for why you can’t save. Bottom line is it may never “feel” like the right time. Start saving now!
7) Your Credit Score…Know It!
The dreaded score that gets ruined before you realize its importance and why you need it. I got my first credit card in college. My mom warned me about how debt can easily add up but at that age I didn’t care. All I knew was that some bank was crazy enough to give me a credit card. Fast forward to now, I play no games when it comes to my credit and paying my bills on time. I’ve even gone as far as to not carry any credit cards in my wallet. Here and there I may carry one for emergencies but I hate to be tempted by that bag or those shoes! If you haven't already, pull your credit report on FreeCreditReport.com at least once a year. Go over it thoroughly, make a plan to pay outstanding balances, and dispute any charges that are erroneous or unwarranted. This report and your score speak to your credit worthiness; it could be the determining factor of whether you get that fabulous house or not.
8) Don’t be Pimped by Your Life!
Many times we get stuck being in situations we despise because we don’t see a way out. This goes for relationships, jobs, business ventures, etc. Having security, a cushion, or being stable could mean the difference between leaving that job you hate and following your dreams or staying at that 9-5 because you have no money saved up and need to make ends meet. Don’t get me wrong, there’s nothing wrong with a 9-5, that’s what I do now. Let’s keep it real, many of you desire more or if given the opportunity would be doing something else. The only constant in life is change, so be prepared. Now when that unplanned event happens or you just wake up one day and want to jump ship; you will be ready! A lot of what I included in this article is just a snippet of how good money management can lead to financial freedom. As a result, financial freedom can lead to a greater quality lifestyle.
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Have your finances ever been in shambles? What are some steps that you took to get back on the right track?
Germeen is a NYC auditor pressing her way through the jungle gym known as corporate America. Her thirst for adventure has been proven by the stamps on her passport and her hunger for new experiences is demonstrated in her commitment to live life to the fullest. She is a self-proclaimed control freak and personal finance enthusiast somewhere overdosing on life.
Your Guide To Letting Go Of What No Longer Serves You Based On Astrology
Letting go is a gift we are given and a strength that we find throughout our lives. There are times when we want to grab ahold of what we are experiencing and sensing, and times when we need to let go of something that was once everything to us or what we wanted for ourselves. The moment you conclude that you need to let something go in your life is the moment that your brain fights to make that happen for you.
In Astrology, there is an area of your birth chart that is designed for you to understand where you will be letting go a lot in this lifetime, and exactly how to do so. We dive through the birth chart as we seek a deeper understanding of ourselves and let go of what no longer serves us, and there are tools available to help us do so. If you don't know where your South Node is in your birth chart, you can use a free calculator like this one here.
What Does Your South Node Represent in Astrology?
When it comes to what we are destined to let go of or move away from in this lifetime, we look to the South Node. The South Node is the area of your birth chart that has to do with your past lives, karma, lessons, old habits and traits, gifts, and energy you are moving away from in this lifetime.
Your South Node is opposite your North Node, which is your destiny and the energy you want to move towards.
We can learn a lot from our South Node and it’s an area of our life where we tend to gain the most wisdom. By understanding why some patterns in your life tend to play out in the same ways, you can be more conscious of the choices you make in the now and let go of who and what doesn’t serve you in the process.
South Node Insights: Letting Go
The South Node is our natural gifts and talents, but also where we don’t need to focus so much of our energy on, taking us away from where we need to be developing, which is the North Node. So when you are looking to let go of something, gain a new perspective, or feel more trusting in what you are doing right now, you can examine your South Node.
We learn from our South Node by not making the same mistakes over again, letting go of what needs to be let go of, and understanding what we need in order to create space for our new beginning.
Read below for your South Node on how to let go of what no longer serves you.
Aries South Node: Letting Go of Independence for Connection
You are used to being independent and figuring things out on your own. In this lifetime, however, you are being asked to lean on others for support when you need it. You are working on letting go of the ego and focusing more on the heart. By extending your compassion for others, you discover a part of yourself that leads you toward empowerment and allows you to let go of a false sense of safety.
You are meant to experience harmonious, fortunate, and compatible love in this lifetime, and you will do so by opening your heart to others and letting go of people who don’t support you or whom you can’t count on.
Taurus South Node: Releasing Overdependence and Superficiality
With your South Node in Taurus, you are letting go of the need to acquire by focusing on the depth and intention of what you are obtaining. Your relationships tend to have a lot to do with your financial world, and these things can get twisted and distorted if you are not being careful.
In this lifetime, you are working on letting go of what doesn’t serve you by following your heart and your intuition more and focusing more on the feeling you want for yourself rather than the things themselves. You are also working on letting go of overdependence or superficiality in relationships, by connecting with the people whom you have a deep and spiritual bond with.
Gemini South Node: Finding Freedom in Authenticity
For you, letting go means following your freedom. You are meant to do things your own way in this lifetime, and the less you can focus on how you are going to be perceived, the more you can live the life of your dreams. With a South Node in Gemini, you are moving away from the commotion of life. What helps you let go of what no longer serves you is traveling, getting out of your comfort zone, and being in new environments.
In past lives, you may have given too much of your focus on your social successes and business pursuits, and in this lifetime, you are meant to focus on the bigger picture. What helps you let go is understanding that once you do, better is available to you.
Cancer South Node: Trusting Yourself Beyond Emotional Impulses
With a South Node in Cancer, you are learning to trust yourself and your logic more than your emotional world in this lifetime. By letting go of feeling like you have to be the one to nurture and support everyone and allowing people to do that for you, you lead your destiny.
With your South Node in Cancer, you are letting go of emotional impulsiveness or making decisions irrationally before you have thought about them.
In past lives, you were led by your emotional world, and in this lifetime, you are meant to think more about your long-term goals and intentions. What helps you let go of what no longer serves you is knowing that you are more than what you can give to others.
Leo South Node: Prioritizing Community Over Recognition
In this lifetime, you are working on letting go of the need to be seen and recognized and focus more on your need for community and soul companionship. You are moving away from the “I” and moving closer to the “We.” What helps you let go of what no longer serves you is giving your focus to humanity, the progress you want to make in this lifetime, and who you want to make it with.
You are learning how to work with others and let go of the need to figure everything out yourself. The more you connect with the people who make you want to team up and form a relationship, rather than the people who make you want to be alone, the better for you.
Virgo South Node: Embracing Compassion Over Perfection
In this lifetime, you are letting go of the need to do everything yourself and to have everything all together. You can let go of what no longer serves you by thinking more with your heart than you do with your mind and by trusting this gift of yours. By focusing more on your spirituality, emotional connections, and creativity, you let go of a timid side of you that can disrupt your relationships or the bonds you make.
In past lifetimes, you were focused on perfection. In this lifetime, you are meant to focus on compassion. By surrendering more to the flow of things, you can let go of what no longer serves you while remaining open for what does.
Libra South Node: Rediscovering Your Independence
With your South Node in Libra, you are meant to experience the gifts of independence, freedom, and inner clarity in this lifetime. In the past, you may have been more dependent on the people around you and made a lot of your focus on love. However, in this lifetime, you are being reminded to not lose your identity in others. You can let go of what no longer serves you by only moving towards the things that feel authentic to you.
You are meant to feel confident, inspired, and free in your relationships, and if you don’t feel this way, then that is a sign you are around energy that doesn’t serve you. You are meant to do things your own way in this lifetime.
Scorpio South Node: Letting Go of Struggles and Embracing Ease
With your South Node in Scorpio, you have lived many lives and have experienced a lot emotionally. In this lifetime, you are learning how to trust the process more and to understand that not everything has to be difficult or trying for you. You can experience great things with ease, and you’ll know you are in the right place when things are just falling into your lap.
What helps you let go of what no longer serves you is focusing more on the things and people who make you feel safe, stable, and comfortable. Instead of always seeking the rush or the thrill, bring your attention more towards the things that ground you.
Sagittarius South Node: Building Connection Through Learning
Your South Node in Sagittarius urges you towards connection with your community and your immediate environment. In this lifetime, you are letting go of the need to be everywhere at once, rather than with the people who matter most to you. You are moving away from knowing everything and into learning everything.
By looking at life as a place where you will learn, grow, and connect, you can let go of the things that stretch you too thin or don’t serve your heart.
What helps you let go of what no longer serves you is expressing yourself more, meeting new people, and spending time on a cause or creative project that inspires you.
Capricorn South Node: Choosing Home and Foundations Over Status
In this lifetime, you are meant to put more value and effort into your personal life, home, family, and foundations in life. In past lifetimes, a lot of your focus was on your reputation, achievements, and successes, and in this lifetime, you are meant to bring your energy more to the home base, family, and stability in life.
You will know if something is right for you if you want it because it makes you feel safe and nurtured, rather than just something that looks pleasing to the eye. What helps you let go of what no longer serves you is by focusing more on your personal life rather than your public, and what you truly see for yourself here.
Aquarius South Node: Shining in Your Individuality
With an Aquarius South Node, you are meant to shine, be seen, and express yourself in this lifetime. You are letting go of the lone wolf energy you are used to, and working on taking up space. You are able to let go of what no longer serves you by being confident in yourself and the decisions you are making.
If someone doesn’t make you feel like the best thing in the entire world, then they aren’t right for you. In past lifetimes, you gave a lot of your energy to your community and the people around you, and in this lifetime, you are meant to focus on yourself and your path more. It’s all about doing what makes you feel good and trusting that you deserve to.
Pisces South Node: Honoring Logic While Embracing Intuition
Your lesson in this lifetime is that your mind is your gift. In past lives, you were very intuitive, psychic, and spiritual, and in this lifetime, you are learning to trust and honor the logical part of yourself more. You may tend to put your all into your relationships and not get the same energy back, and you are working on taking care of yourself first before you can give to another.
What helps you let go of what no longer serves you is trusting your body and the signals it gives you when you are around certain people or energy that doesn’t serve. Get organized, figure out your needs, boundaries, and wants, and get clear on who you are and what you want for yourself.
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Geeze. Although it might just be all up in my head, it sure does seem that, as soon as I had my last birthday this past June, my lips decided that they wanted to chap up more than usual. As I tried to go through the process of elimination to figure out why, although a bit of dehydration may have a little bit to do with it, I had to take into consideration that aging may have something to do with it too.
After all, as we get older, it gets harder for our lips to retain moisture, less collagen and elastin are produced in our lips, sometimes our lips end up appearing smaller/thinner and, because there is a decrease of blood vessels in our lips, they can lose some of their natural color too.
Yeah, even though having more years on this earth is indeed a blessing, that doesn’t mean we don’t go through quite a bit of transitioning, from head to toe.
And what if you just read all of that and immediately thought, I love my lips and I don’t want time to change them? Sis, I feel you. Believe me, I do. That’s why I want to share 10 things that you can do to, at best, keep your lips looking just like they do now and, at worst, get them to age far more gracefully than you would without these helpful recommendations.
10 Ways to Keep Your Lips Hydrated
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1. Exfoliate
No matter how old you are, it’s always going to be a wise move to exfoliate your lips on a weekly basis. Not only does it help to remove dry and dead skin (so that your lips end up looking less chapped), it can make your lips feel smoother, reduce the appearance of discoloration on them and it can help to increase hydration to your lips as well. Although you can actually use your toothbrush to exfoliate your lips (by rubbing your damp brush in small circular motions), there are also homemade lip scrubs that you can try. Healthline has 14 recipes that you can check out here.
2. Massage
When was the last time that you gave your lips a nice massage? By first applying a mixture of peppermint oil (no more than one drop) with a carrier oil like grapeseed, avocado, or sweet almond oil and then using your index fingers in a circular motion on your lips, you will increase blood circulation to them, help them to become more plump and full and they will become more rosy-looking too.
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3. Hydrate
If you’ve ever wondered why it seems like your lips get dried out faster and more often than any other part of your body, the main reason is because they don’t have any oil glands; this means that they require hydration from your system and then moisturization (from lip balms, lip gloss, lipstick) on the outside to keep them looking healthy. This is just one more reason why you need to drink no less than 4-6 glasses of water a day. Do you?
4. Consume Collagen
Did you know that collagen accounts for a whopping 30 percent of your body’s protein? And since it’s pretty well-documented that we lose collagen as we age, and that can impact our bone and joint health, how much muscle mass we have, and also how good our skin looks, you definitely need to check out, “We Lose Collagen As We Age. 10 Ways To Naturally Boost It.” If you do, your lips will be grateful because collagen helps to give them the fullness and definition that they have. So, if you haven’t been on top of your collagen intake as of late, here is some inspiration to do so.
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5. Give Your Lips Some Sun Protection
There is no part of your body that shouldn’t be protected from the sun, regardless of how much melanin you may have — including your lips. When it comes to your lips, specifically, if you don’t protect them from potentially damaging UV rays, not only do you put yourself at risk for having a skin cancer diagnosis, but your lips could end up drying out and aging faster than they are supposed to. That’s why it’s imperative that you coat your lips with a lip balm that contains SPF. For the record, jojoba oil and carrot seed oil can support your sun protection efforts too.
6. DIY Vitamin C Lip Balm
One of the best things that I’ve done for my skin over the past several months is to use vitamin C serum on a consistent basis. From providing hydration and reducing hyperpigmentation to boosting collagen production, brightening the skin and protecting skin from UV rays — vitamin C serum really is the truth. That said, if you want your lips to look youthful, I recommend making a lip balm; one that has some vitamin C in it. Although you can apply vitamin C serum directly to your lips, because it might be too strong, it’s actually better to go with a recipe that has citrus essential oil in it (like this one here, here, and here) or one that contains orange peel powder (like this one here).
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7. Treat Your Lips to Some Peptides
Peptides are amino acids that play a variety of roles within your system. As far as your skin goes, peptides are important because they help to create a barrier for your skin while also reducing fine lines and wrinkles, decreasing breakouts, and increasing elastin as well. For all of these reasons, I think that it’s a good idea to apply some peptides to your lips, at least a couple of times a week. These days, there are all types of peptide lip treatments to choose from. One article that provides a variety to test out is Harper BAZAAR’s “The 10 Best Peptide Lip Balms Worth the Hype.”
8. Use Avocado and Mango Body Butter
Although avocados are high in fat, they’re healthy fats (monounsaturated and polyunsaturated fats); ones that can help to lower your cholesterol levels. Not only that but avocados also contain lots of fiber, vitamins C, E, and K, folate, magnesium, and potassium, and they even have some omega-3 in them too. If you get this fruit in the form of avocado oil, you can get the same benefits from the fruit itself which is why I recommend that you either apply avocado oil directly on your lips or make some of your own avocado body butter.
If you blend some avocado oil along with some vitamin E oil (which helps the cells on your lips to turn over faster) and mango butter (which slows down skin age, repairs damaged skin tissue, and helps to protect your skin) and whip it together with a blender, you will end up with a whipped body butter that will work well on your skin and your lips too.
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9. Try Some Calendula Oil
Antibacterial, antifungal, and anti-inflammatory are all properties that calendula oil contains. And since research has indicated that it can help to protect your skin (by reducing the amount of oxidative stress that it encounters), this is why you might want to try it on your lips. Your lips will especially adore it since it can help to provide a barrier to your skin which could protect it from outdoor elements that could dry it (including your lips) out.
10. Apply an Aloe Vera and Honey Mixture at Night
If you don’t already have an aloe vera plant somewhere in your home, maybe this will get you to invest in one. Although it’s a plant that consists of 99 percent water, it also has nutrients in it like selenium, zinc, copper, manganese, magnesium, and fatty acids. These work together to speed up the healing process of minor cuts and wounds, heal sunburn, bring relief to dry skin, and even help with the inflammation and discomfort that are associated with eczema, psoriasis, and acne.
That said, since aloe vera is good at providing so much hydration, if you mix its gel with a drop of honey, the honey’s antimicrobial and anti-inflammatory properties will help to heal your lips by repairing any damaged tissues it may have. The combo is the perfect all-natural all-night lip treatment.
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Aging is coming — and there is nothing wrong with it. Yet if you can get your lips to look and feel wonderful during the aging process, that will make the adjustments so much easier to welcome.
After all, a sexy pair of lips? They are timeless.
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