Ready To Feel Old? 'Girlfriends' Turns 20 This Year. (Wow, Sis)
Charge it to my daddy when I say that I adore accumulating random bits of information. For example, a couple of weeks ago, I decided to look around to see what movies had anniversaries this year (you know, being that 2000 was the end of a millennium and all; you can verify that it was the end and not the beginning here and here). Anyway, I was already trippin' when I saw that, in 2020, movies like Inception and The Social Network are 10; Crash, Hustle & Flow and The 40-Year-Old Virgin are 15; Love & Basketball, Bring It On and Bamboozled are 20, and Bad Boys, Braveheart, Clueless, Devil in a Blue Dress, The Usual Suspects, Seven, Toy Story and Friday (its official anniversary is actually Sunday, April 26) are all 25. What in the world?!
As I kept going down the rabbit hole of entertainment nostalgia, what caught me totally off guard was the fact that on September 11, 2000, the very first episode of Girlfriends premiered.
Girlfriends. I mean, that fact threw me so much that I actually went to some of the cast member's social media pages, just to make sure that Google wasn't trippin'. It wasn't.
Wow. Just wow. Back in 2000, I was 25 (26, by the time of the actual premiere date). Matter of fact, I didn't even start watching Girlfriends until I was like 28-29. It started out because people would tell me that I reminded them of Toni on the show. Yeah, I didn't believe that either until one day, back when I was on social media, Facebook had a day when we all were supposed to put up our celebrity doppelgänger. I posted a picture of Jill Marie Jones (who played Toni Childs on the show) with short hair. No one noticed that it wasn't me for two weeks (hilarious).
Anyway, that's just one of the many things that makes me smile when I think back to the sitcom that featured four women doing their thing in Los Angeles. Like so many other Black shows, Girlfriends paved the way and set the tone, on so many levels.
Black-ish Season 6 "Girlfriends Reunion" Featurettewww.youtube.com
I remember last year, back when Joan, Mya, Toni and Lynn made an appearance on Black-ish. As they were doing their press tour for it, the cast addressed two questions that a lot of us have had for years. One, no Jill Marie did not fall out with everyone else when she left the show; she simply wanted to move on and that happened to be the season before Girlfriends came to an end.
And two, just like when it came to Living Single (and I want to say the "spin-off" from Girlfriends, The Gameas well), they didn't get a proper series finale. The final episode was "Stand and Deliver", where Joan read a letter to her fiancé Aaron's class, letting him know that he was coming home from his stint in Iraq. (Yes, ya'll. The CW totally left us hangin'.)
In a particular article I read that referenced all of this, Tracee Ellis Ross said that, in regards to a reboot, that would probably be unrealistic, but the cast was open to doing a movie:
"People will literally come up to us and say, 'Why don't you guys get on Netflix,' but what they don't realize is we literally have no power over that. We weren't executive producers or showrunners, we were just actresses, so we have no say in none of that."
So that gave me an idea. Rather than wait until the fall to write a piece celebrating the show's 20-year anniversary, I thought it would be a good idea to get this out now. For one thing, it'll give us five months to (hopefully) create a buzz that just might get Netflix (or somebody) to take seriously that, not only is a Girlfriends movie something that we want but it's something that the creator (Mara Brock Akil) and cast truly deserve. And secondly, it gives me the opportunity to do a little dreaming in the meantime about what I think life for the ladies would actually look like right now. Are you ready to brainstorm a bit with me?
Joan Carol Clayton (Tracee Ellis Ross)
I'm gonna be honest. A part of me wonders if the writer who created Joan Clayton drew their inspiration from Carrie Bradshaw on Sex & the City. They both were accomplished, they both were one who others went to for advice and they both were pretty erratic and intense; especially when it came to their own matters of the heart. Anyway, anyone who watched even a season of Girlfriends knows that, at the end of the day, what Joan wanted more than anything was a HUSBAND (that's in all caps on purpose) and children. Although I think that my favorite boyfriend of hers was actually Brock (played by Malik Yoba), while the one who I believe brought out the absolute worst in her was Ellis (played by Adrian Lester), I get why she ended up with Aaron (played by Richard T. Jones). One day, I'm gonna write a piece on here about the difference between choosing a man who is good to you vs. choosing a man who is good for you. Brock was probably the former and Aaron was the latter.
That said, in my mind, Aaron did come back and they did get married. Joan had the wedding of her dreams although maturity brought her to a place of wanting to marry the groom more than the actual wedding (if you catch my drift). She did get pregnant and have a child of her own, but she and Aaron also decided to adopt a couple of other kids (not babies but youth).
The house that they renovated, they turned into a home for underprivileged Black youth and with Joan's law degree, she started a non-profit for Black kids as well. Oh, and even though she and Toni did fall out, 20 years brought forth some healing and Toni is actually the godmother to one of Joan's little ones. In fact, all of Joan's girlfriends are.
Mya Denise Wilkes (Golden Brooks)
Mya, boy. First, let's address another question that I always had, that I recently looked up. Some of you might recall that, during the first season, her husband Darnell was actually played by Flex Alexander. Then one day, seemingly out of nowhere, fine ass Khalil Kain filled the role. From what I read, Flex left, not due to any bad blood, but because he got a lead role in One on One (I think her son, Jabari might've changed from Tanner Scott Richards to Kendre Berry simply because they needed someone much older in a shorter period of time).
With that out of the way, one of my favorite storylines for Mya was when she had an emotional affair (including a kiss where her lip got bit while she tasted pieces of pickles) with Stan (played by Don Franklin). It ultimately cost Mya her marriage, and also caused her to grow up a bit. Since I'm a marriage life coach whose niche is reconciling divorces, I dig that she and Darnell ended up getting married again and making things work.
By now, I'm thinking that Mya has turned a couple of her books into movies (even though she would probably prefer a one-woman show), she had a baby girl and she's also a grandmother. What? It is 20 years later, which means that Jabari would be what—mid-30s at this point? Darnell runs a franchise auto shop business with Peanut 'n them while Mya has an assistant who is just as sneaky, shady and late to work as she was.
Lynn Ann Searcy (Persia White)
I got my start as a writer by being a house poet at a local venue here in Nashville. So, I was aware of the spoken word artist Saul Williams for a while and was thrilled when he played Lynn's man Savid on the show (fun fact: Saul and Persia were actually married in real life, once upon a time).
Even though Vasco (played by John L. Adams) and Lynn probably had the most endearing relationship, in my mind, she and Savid found their way back to each other once Lynn actually found more than sex to keep her happy—or at least, focused (although I doubt she's married; she probably had a commitment ceremony on a beach in Bali, tatted some rings on her finger and called it a day).
These days, it's not uncommon to see her at Sundance festivals whenever she's not public speaking at universities across the country. And while Lynn still sings, she has finally found the beauty and benefits in not always mooching off of other people. So, she writes more than she performs so that she can collect that publishing check. She does still live in Joan's old house. Only difference is that now, the deed is actually in her name. She's hardly ever in it, though because she's always getting new stamps on her passport. Oh, and she has her own sex toy line. It too is called Indigo Sky (diehard fans will know why I threw the "too" in there).
Antoinette Marie Childress Garrett (Jill Marie Jones)
Toni. Before there was Molly (on Insecure), there was Toni Childs. Both women are chocolate and beautiful. Both women are super accomplished. Both women are fun to be around. And, both women are self-absorbed and semi-petty as all get out. By now, Toni and Dr. Todd Garrett's daughter, Morgan is (wow) in college herself.
Although Toni never saw it coming, she is quite the helicopter mom, and so she actually first moved from New York to Atlanta while Morgan attended her first year at Spelman. But since Toni is now a business consultant, she can pretty much live anywhere. So, she spends time in three places—New York, Los Angeles and Atlanta. She and Dr. Garrett peacefully co-parented, but she came to the conclusion a long time ago that marriage isn't really her thing. That doesn't mean she isn't seeing anyone, though.
Believe it or not, for a couple of years, she and my favorite boyfriend of hers, Greg (played by Chuma Gault) got back together; they still rendezvous from time to time. While he's always been the man who has had the most of her heart, for now, Toni enjoys not sharing, spending all of her money with no accountability and spending time with her girlfriends. Being a mom has brought some balance and perspective, so she does anonymously give to others, including to Joan's non-profit every year. She has no intention of ever letting Joan know that, though.
William Jerome Dent (Reggie Hayes)
Who didn't adore William? Now his choices in women were another story. Monica Charles Brooks-Dent (played by Keesha Sharp) couldn't have been more pretentious (I'm thinking that she's now a housewife on a reality series somewhere). Before her, there was the cop, Yvonne Blackwell (played by Cee Cee Michaela) who left him at the altar. Although he and Joan tried to make it work, I thought it was super realistic that the love was there, but the sex was wack. It's a reminder that sometimes platonic love is all that's meant to be between a man and a woman—and that's totally OK.
Yeah, William's love resume had much to be desired (remember when he and Lynn were cutty buddies and then had the nerve to get married? Uh-uh). Bless his heart.
While I secretly wish that he and Donna (played by Jill Scott) got back together, for some reason, I feel like William is still enjoying the bachelor life, even now. He's still a lawyer but he runs his own firm. He's still super tight with his nephew-son (who interns for him during the summertime), and he still has dinner with the girls on a consistent basis. He's actually godfather to one of Joan's children too.
I know. A lot of this sounds super idealistic, but a sistah can dream, can't she? Besides, I don't care how the actual movie script turns out, so long as there is one (le sigh). Either way, on behalf of the entire xoTribe, I just wanted to take out a little time to say—Joan, Mya, Lynn and Toni, we see you, we appreciate you—hell, we still watch you (Tracee, Golden, Persia and Jill Marie, what them syndication checks be lookin' like?!). Here's to 20 years now and the 20 years of more reruns—with prayerfully a movie too—to come! Take a bow. You've earned it.
Want more stories like this? Sign up for our newsletter here and check out the related reads below:
Tracee Ellis Ross Designed The Life Of Her Dreams
10 Black Couples On TV That Make Love Make Sense
10 Reasons 'Love Jones' Still Does It For Black Love & The Culture
Featured image by Black Film
It's kinda wild that, in 2025, my byline will have appeared on this platform for (what?!) seven years. And yeah, when I'm not waxing poetic on here about sex, relationships and then...more sex and relationships, I am working as a certified marriage life coach, helping to birth babies (as a doula) or penning for other places (oftentimes under pen names).
As some of you know, something that I've been "threatening" to do for a few years now is write another book. Welp, October 2024 was the month that I "gave birth" to my third one: 'Inside of Me 2.0: My Story. With a 20-Year Lens'. It's fitting considering I hit a milestone during the same year.
Beyond that, Pumas and lip gloss are still my faves along with sweatshirts and tees that have a pro-Black message on them. I've also started really getting into big ass unique handbags and I'm always gonna have a signature scent that ain't nobody's business but my own.
As far as where to find me, I continue to be MIA on the social media front and I honestly don't know if that will ever change. Still, if you need to hit me up about something *that has nothing to do with pitching on the site (I'm gonna start ignoring those emails because...boundaries)*, hit me up at missnosipho@gmail.com. I'll do what I can. ;)
'We Had To Heal To Love': Taja Simpson And Ryan Easter’s Journey To Lasting Love
How We Met is a series where xoNecole talks love and relationships with real-life couples. We learn how they met, how like turned into love, and how they make their love work.
One of my favorite things about interviewing married couples and hearing their diverse “How We Met” stories is the way they affirm true love and integral beliefs. One principle that I wholeheartedly believe is that one must truly know and love oneself before effectively doing it for another human being, and Taja Simpson and Ryan Easter’s story affirms this.
Taja, an actress known most for her role on BET’s The Oval, and businessman/model Ryan Easter tied the knot on July 27 in an intimate and beautiful wedding in LA - surrounded by friends and family. During our 40+ minute conversation, the newlyweds opened up about the inner work journey they both went through individually to become their best selves.
Taja revealed that her grateful and light spirit came after being in a depressive state and doing a great deal of healing and education. And Ryan shared how losing a parent as a youth affected how he showed up in the world and the truths he had to face to embrace who he is wholly.
The pair also chatted about the power of intention, the importance of working through trauma, and the work they do every day to honor their partnership. There’s a reason their glow is so beautiful! It comes from the inside.
“You're meeting me now after I've done all this work, but I had to go through it to get to that space and be in a very happy, healed relationship,” Taja says. Check out the layered conversation below.
xoNecole: I’ll start with the most obvious question: how did you two meet, and what were your initial feelings about each other?
Ryan Easter: We connected through friends. At the time, I was in New York, and she was back and forth between LA and Atlanta. But our mutual female friends were together and decided they needed to set me up. So they confirmed I was looking for something serious and then sent me her picture.
And I was like, "Okay, she looks good - a chocolate drop." But then I thought, "What's wrong with her? So, I called them up, and one of them was messing with me and said, "Oh, she's a little crazy." I was like, "Whoa, I can't do crazy anymore. I've dealt with that before. I’d rather stay by myself than deal with that again." Then she clarified, "No, I'm just kidding. She's crazy in a good way. She's a lot of fun and has her stuff together. That’s how it started for me.
Taja Simpson: I was just going about my life, getting ready for another season of The Oval, when I got a text from my friend Natasha. She said, "Hey, I don't think you're dating anybody, but I have a friend I think you should meet. He's a great guy." She gave me this huge pedigree, saying they had been friends for 19 years. I thought, "Wow, he sounds amazing." But when she sent me a photo, I didn’t like it.
Later, I thought about it and figured it could just not be a good picture. So she sent his Instagram which had all these modeling fitness pictures and stuff. And then I was like, wow - you had my whole husband this time and didn’t tell me - now I told her she could give him my number.
"I was just going about my life, getting ready for another season of The Oval, when I got a text from my friend Natasha. She said, "Hey, I don't think you're dating anybody, but I have a friend I think you should meet. He's a great guy." She gave me this huge pedigree, saying they had been friends for 19 years. I thought, "Wow, he sounds amazing." But when she sent me a photo, I didn’t like it."
Taja Simpson & Ryan Easter
Photo by @jorgemezaphotos
xoN: I love that because, you know, there's all these conversations about the ways people meet, and I still feel like friends and family are one of the best ways. It’s like they know you! What are your thoughts?
Ryan: Yeah, absolutely! You feel a great sense of obligation to be the best version of yourself because you’re not just representing yourself; you’re also representing the person who referred you. I can’t go out there acting like a fool and have them looking at their friend like, "Why did you hook me up with this clown?" It’s like, we're gonna be clear and honest about our intentions. And if it works, great, and if it doesn't, it's okay.
Taja: Exactly. When he called, we spoke that day for like, an hour. The rest was history. We just connected, and it was great. After that, we started talking every day, and now here we are.
xoN: Okay, so tell me about your first date! Do you remember where you went? What did you do? How was the vibe?
Taja: Our first in-person date was two months after we met over the phone. This was during COVID, so we got introduced in July 2020 but didn’t meet until September. From July to September, we were doing video dates and phone calls, building up this excitement about meeting in person. I was really nervous. I thought, "Oh my God, is it going to be like it was over the phone?" We really connected and vibed. I was there to pick him up at LAX, and I felt like this was it. I thought, "God put this brother in my life to be this good, this perfect." It felt too good to be true.
I actually had a friend meet us at the airport to film our meeting without him knowing. I told her to stay in the corner and keep the camera hidden. When he was coming down the escalator, I had this whole plan to run up to him in slow motion and jump into his arms. When I saw him, I froze. I was so nervous that I couldn’t move! He came up to me, gave me a big hug, and swung me around, and I just thought, "Wow!" Everything I planned went out the window.
Ryan: I was really excited to meet her, too. Technically, our first date was at Firestone Brewery. After the airport, we went back to her place to drop off my stuff, and then she said, "I like to drink beer," so she took me to a brewery nearby.
I remember being there, and we were kind of embracing, but not too much since it was technically the first time we were in physical proximity. You still have to play it cool, even after talking for a while. But every time I touched her, it felt good. I thought, "Yeah, this is it." When we hugged at the airport, I felt like, "Yo, this is home." At that moment, I knew she was the one.
xoN: Ugh, I love that. So when did the courtship start to develop into a relationship? Did y'all have that conversation?
Ryan: Initially, we were very clear about our intentions. We were both dating with purpose and had similar aspirations of eventually finding someone to marry, start a family, create businesses together, and live our lives to the fullest. We knew from the beginning that this was our goal and checked in with each other to see if we were on the same page.
After establishing our intentions, it was about having those small conversations. We discussed what was important to each of us—our needs, wants, likes, dislikes, triggers, and traumas. All those details are crucial for building a solid foundation for a healthy relationship. We spent a lot of time getting to know the real person, not just the representative we might present to the world.
Sometimes, it’s difficult because it requires us to be extremely vulnerable. For men, especially in our society, vulnerability is often frowned upon, making it hard to expose that sensitive side. You never know how people will react—some might use it against you, while others might protect you.
I think for her; it took her understanding that mentality that men have and use that to her advantage to make sure she's like, look, this is a safe space for you to allow me to see the full person that you are. I appreciated that because, like, I would tell her, if you really want a man to value you, he has to feel safe with you, right, not necessarily in a physical capacity but more so from an emotional standpoint; I need to feel like I can be safe with you emotionally.
So that courtship was a lot of just having those serious, sometimes difficult conversations about things we're going through in the past to things we aspire to accomplish in the future, to things that we're currently dealing with, and started to gain that understanding about who we are and what we aspire to be, and just continue to flow.
"So that courtship was a lot of just having those serious, sometimes difficult conversations about things we're going through in the past to things we aspire to accomplish in the future, to things that we're currently dealing with, and started to gain that understanding about who we are and what we aspire to be, and just continue to flow."
Taja: I mean, that's exactly right, and a lot of it we spoke about even before we met. Because it was this free thing where we didn’t know each other. We didn't have to be a representative. I was just my authentic self. It’s like - I'm an actor, and I got five or six characters that may come out in our conversation. I'll be funny, then the next moment, I'll be serious. It just happens.
I was very vocal about how I foresee my life going. Also, because I'm in entertainment, that played a part. I had met people before who couldn't handle that. They wanted a woman with a nine-to-five, a teacher, or just somebody with a very strict schedule. But that wasn't me. So I think we were super intentional when it came to dating and making sure we can build and grow together. So, we made that commitment prior to him leaving. He came to LA for a week, and the day before he left, it was like, okay, so this is it.
xoN: I’ve noticed that intention and vulnerability are both powerful words that you two keep using, which I think is essential for any long-term relationship. What are some of your other shared values?
Ryan: Also, we both understood the power of mindset. When you see successful or unsuccessful people, sometimes others will attribute their state to their family or money. And I'm not saying that that doesn't help. But there are a lot of people who have come from very humble beginnings and very troubled past that have gone on to do great things, and it all had to do with their mindset. They had to leave and see themselves doing what they desired to do before it became a reality in the physical realm.
I think a lot of those beliefs and mentalities that we shared was refreshing because, you know, we've all known people that every time you talk to them, something bad is going on. And it's such a drag because they can bring your energy down. We don't subscribe to that. Not saying that we don't go through tough times. But when we do, the question that we always ask ourselves is, what is it that I'm supposed to learn from this? I think those type of elements of just being in alignment mentally about how we view the world definitely help to solidify our relationship and our connection.
Taja: When we met, I was in a headspace of growth. We now call it believe, evolve, become because you have to believe that thing right in order to show up. We both understand that your vibration precedes your manifestation, so you have to vibrate and believe at a certain level. Act as if you have to be in that space, that energy, in order for that thing to come so you can evolve and then become whatever that said thing is. But I was in that headspace before we met, and I was clearing out people in my life.
I was really intentional with finding someone that was in that headspace, too. I was not okay with anyone being stagnant.
Taja Simpson & Ryan Easter
Photo by @jorgemezaphotos
xoN: You two seem so evolved individually and collectively. I'm curious, were there any challenges that you two had to get through together, and what did you learn from that experience?
Ryan: Being parents. And if your partner doesn't have a great pregnancy, then it can be tough, and it stretches you in a lot of ways. But I would definitely say the first five months of being new parents was a lot because we were both exhausted. And she's also trying to heal her body because giving birth puts a tremendous amount of stress on the woman's body. It gives you a different respect for the strength of femininity because I wouldn't want to go through that. And I was there the whole 29 hours.
So during that time I'm getting snappy because I need to rest. I have not been able to rest, and I'm sleep-deprived, and I don't feel like I got my foot in yet. And, and then, on top of that, you have this, this really small human that's completely dependent upon you. They can't do anything for himself, and that, even psychologically, that's a lot to carry. But the thing that I think that has helped us is that we understand that we won't always be on the same page. It's okay to have disagreements, but you always have to lead with love, meaning that if I'm upset with her or she's upset with me, we focus on what the issue is.
Taja: I had a horrible pregnancy and was still feeling like I want to be productive; it’s just part of who I am. And during the newborn phase, like he said, we were exhausted. We were zombies. I'm getting whiny. I need sleep. He's getting snappy and short, and we're having to figure out us. The hardest thing is trying to still learn how to effectively communicate in the midst of this space where you are exhausted; you don't feel good, nothing's going your way.
But I'm a big believer of being accountable, especially for women, because women are not always accountable. But we encourage each other to address the trauma and encourage positive self-thought and talk. Because what you think, speak, and do creates power for better and worse.
xoN: Were there any past traumas you had to heal from in order to love each other correctly, and do you feel comfortable discussing them?
Ryan: For me, the biggest thing was my father’s death at nine. You’re young, and you don’t know how to process the loss. It’s one of those things I thought I dealt with, but when I got into my adult years, I realized it didn’t. I always felt like I had to go above and beyond because I didn’t have my father there to be a man - I excelled in sports and academics, but it was based on an inadequate feeling.
I understand the importance of fathers in children’s life but you still have the power to be the best version of yourself whether your father is there or not. And I believe the almighty Creator will put people in your life to be the best version of yourself. I wanted to be that confident person for her and our children - and I didn’t want to carry that trauma into our relationship or our son. So I worked on it before us and I continue to now.
Taja: Mine was colorism. I grew up where the brown paper bag thing was a thing. There were kids I couldn’t play with because “I was too Black.” I had a family member who called me “Ew.” Like she’d literally say, come here, Ew, you ugly thing. And my family, for a long time, didn’t realize how it was breaking me. But eventually, my mom noticed and taught me more about self-esteem and then I started to do the work. But it still shows its head. I still would have thoughts that I’m not good enough because of how I look. I’ve literally not tried out for roles because of that. One of my friends’ friends has literally called out once that I was the only dark person at an event.
So when I started doing the work, I noticed the ways it showed up, like I just wouldn’t want to be in the sun long. I mean when I was younger, I used to pray to God to make me “better” or lighter. It took a long time to really get over that. There’s a book I wrote called Women Who Shine - where I got my thoughts out about this.
So he knows my sensitive spots and speaks to the little girl in me. It's so interesting how the things we go through when we’re young affect us in adulthood. Mental health is as important as physical health - and I’m grateful that he understands the importance of both of those.
xoN: Thank you for your vulnerability. I hope it helps someone else. Finally, I’ll close with this: what’s your favorite thing about each other?
Ryan: Definitely her mindset. She doesn’t have a victim mindset; she’s empowered. That’s so attractive. I believe that she prides herself on being a good, great communicator. She moves with integrity, you know, I think that's important. And you know, she also understands the importance of taking care of her physical, emotional, and mental wellbeing.
Taja: There’s so many. Where do I start? My husband is supremely supportive. I absolutely love that about him. Also, I love his intention. I love how effectively he communicates. I love how he fathers our child. I love how he looks. Because, praise God. Okay, I'm just gonna put that out there.
But you know what, my favorite thing about him is that I love that he's a man of integrity.
Integrity was the highest things on my list when I’d write out what I wanted in a partner. Because it’s everything. And so I love that I feel the level of safety that I feel with him, that I can completely be my 100% authentic self. I know that he's taking care of me, my heart, and our family. We're good.
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Feature image by @jorgemezaphotos
Money problems can do a number on our mental health, triggering anxiety, depression, and even substance abuse. Whether it’s the constant Russian roulette of living check to check, not earning enough to afford the basics, or drowning in credit card or student loan debt, the struggle is real for many.
And, according to the National Council On Aging, more than half of American women ages 25 and older report that they do not consider themselves financially secure and are concerned and worried about their retirement.
Much of this is tied to the gender pay gap, which is much wider for Black women, the challenges and stress that come with motherhood, and systemic biases that, over time, can snowball into full-on depression and anxiety disorders. Gen Xers and women who earn less are also more likely to share that a lack of money has a negative impact on their mental health, according to a Bankrate report.
If you’re dealing with financial stress and find yourself constantly fretting about bills and your future, there are several options:
Financial Stress & Black Millennial Women
1. Tap into free therapy and talk openly about your financial situation.
There's freedom in using your voice. Nonprofits and platforms offer free therapy services, or $0 copays if you have insurance, such as 7cups or Grow Therapy. Maybe you need to chat with someone to get a boost of confidence before calling bill collectors to work out payment plans or before giving up your 3-bedroom for a studio in order to cut costs. Do it.
Talk through your issues and get the support you need to cope with some of the shame, avoidance, and other behaviors that can come with facing debt and money issues.
2. Release the shame and honestly face the truth about your debt and lifestyle.
Oftentimes there’s shame involved when you feel like you can’t pay your bills, are always down to your last dime in your bank account, or you’ve racked up a lot of debt. But, just think about this: 60% of women have credit card debt, and women hold 64% of all student loan debt in the U.S. There's also a significant percentage of people who have been late or delinquent on rent and who cannot afford groceries. You’re certainly not alone, and it doesn’t make you a bad person just because you owe somebody money or you're having financial difficulties.
Get in front of it all by tracking your expenses to see exactly where your money is going and how you can make adjustments.
You can also find gaps where you may need to find simple ways to earn more money via a side hustle or even a second part-time job. In some cases, you’ll need to raise your income, while in others cutting back on expenses might be more ideal. Some women have found success in cutting debt and living more financially free by doing both. All of this will require a bit of humility, but you'll be better in the long run once you come to terms with the reality of your situation and own it.
3. Create a debt relief plan, or get help to create one.
According to Nerdwallet, debt relief is a process that can involve negotiating with creditors to settle the debt for less than the full amount owed, wiping the debt out altogether in bankruptcy, or using a debt management plan to get changes in your interest rate or payment schedule. Experts recommend that you consider these options when you literally cannot repay unsecured debt like credit cards, medical bills, and personal loans within five years, even if you “take extreme measures to cut spending.”
You’d want to consider how you can advocate for yourself by handling it on your own, creating a spreadsheet, and honestly facing your debt empowered by the options available to you, or you can get the help of a professional, coach, or nonprofit organization such as the National Foundation of Credit Counseling. If you have a financially savvy family member or friend you feel comfortable confiding in, ask for their help in adjusting your budget to accommodate and create a debt relief plan that you can actually follow, and lean heavily on a strong support system.
4. Find a program that can help you lower or temporarily cover your expenses.
There are government and city housing, meals, and rental assistance programs that you can apply for, and while the process might seem tedious (or maybe you’ve heard things that have led to stigmas), think about your own well-being and what’s best for your life.
If you need a bit of slack in paying for groceries, childcare, utilities, or rent in order to take care of a large debt (or just get a free moment to breathe and plan your next move), unapologetically apply and ask for the help.
This is especially important if you qualify for services or programs due to being a parent, your income range, or a disability. (Check out this list or this one for support and resource options.)
5. Look into grants that can help give you a boost.
While you need to work on financial fitness and management and make that a continuous journey, there are grants out there for women who want to start businesses, side hustles, or even need a bit of cash to get them through a rough patch. Research your options for grants (like those on this list or this grant program), and based on your eligibility, apply.
If you have a legitimate side business idea and you think it will help you bring in more funds, a grant might be the best option for you to get things going and improve your finances. There are grants for single mothers and more resources for women looking to start businesses or get help with their bills.
6. Find fun ways to affirm yourself and rebuild your confidence.
Self-care is important, and there are free ways to ensure that you are at your best and able to adequately advocate for yourself. Schedule walks, even if it’s five minutes during a work break. Use the help of coupons, sky miles, or free community events for beauty treatments, nature experiences, dance lessons, and other fun ways to spend your time versus sitting stressing about money.
Participate in free meetups with others so that you aren't isolating yourself due to shame or being in a rut of always being "broke."
You can do this, sis! You’ve got the power and resources to live comfortably and become financially free. It will take some work, but women like entrepreneur Arnita Johnson, personal finance coach Racheal Hanible, and writer Kiah McBride are proof that it can be done. Let their stories fuel your success.
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Featured image by Getty Images