I believe that understanding the ins and outs of managing our finances is essential in our quest for leveling up in life. After all, what good is achieving our dreams if we're not equipped with the knowledge and tools to sustain and grow our success? So how did I do it?
1. Living with parents while in school
While I had the advantage of fewer bills to pay, I still encountered challenges in managing my finances effectively. In the past, I used to blow money like it was nothing, with little to no savings to show for it. However, recognizing the opportunity to change my habits, I embarked on a journey of financial education, starting with reading "Rich Dad Poor Dad" by Robert Kiyosaki. Over the course of 6-12 months, I diligently saved and invested most of my income, laying the groundwork for my financial future. This disciplined approach not only helped me build a healthy relationship with money but also demonstrated to the bank that I was responsible and capable of handling a credit card. It was only after this period of financial growth and learning that I felt confident enough to apply for my first credit card. After being rejected 3 times prior!
2. Become Delusional as F**k
The biggest change in my relationship with money came when I realized that it's not inherently bad; I have a good relationship with money, and money works for me—this is my reality i lived in even during the times I was broke. I remained delusional in my belief that financialsuccess for me was attainable, and remarkably, it worked. This perspective empowered me to view money as a tool for creating wealth rather than something to fear. I learned to use a credit card to work for me, not as a slave to debt, and discovered how to leverage debt to make more money. This shift in mindset helped me overcome financial fears and embrace opportunities for growth.
For more financial literacy context read these posts
Escape Your 9-5 Job If You Don’t Want to Work
“Make Money When your Young, Pretty & Ambitious.”
How to make a credit card work for you
Keep Low Credit Utilization:
Aim to keep your credit card balances low relative to your credit limits. This utilization ratio should ideally be below 30%, with lower percentages being even better. High credit utilization can negatively impact your credit score.
Pay On Time, DONT MISS PAYMENTS
Consistently paying your credit card bills on time is crucial for maintaining a high credit score. Late payments can significantly damage your credit score and stay on your credit report for years.
Keep Old Accounts Open:
The length of your credit history is an essential factor in determining your credit score. Keeping old credit card accounts open, even if you're not actively using them, can help lengthen your credit history and improve your score.
Monitor Your Credit Report:
Reviewing your credit report allows you to identify any errors or inaccuracies that could be negatively impacting your score. You're entitled to a free credit report from each of the major credit bureaus—Equifax, Experian, and TransUnion—once every 12 months.
Avoid Closing Old Accounts
Closing old credit card accounts can shorten your credit history and reduce your overall available credit, both of which can lower your credit score. Unless the account carries high fees or you're unable to manage it responsibly, consider keeping it open.
Conclusion:
Through disciplined financial habits and strategic planning, I achieved and maintained a high credit score. This journey is only the beginning of my commitment to financial responsibility. For more insights on financial literacy, be sure to check out my other posts. Remember, with dedication and planning, anyone can achieve their financial goals
In 2022, we'd be inundated with podcasts and social media comments describing how women should behave and act. This is especially true when it comes to dating.Everyone has suddenly become a relationship expert, and most are unqualified.
I never claimed to be an expert when it came to femininity or dating. I’ve just been sharing what I learned over the years in hopes that it helps you ladies along your journey. When taking advice online I find it best to take everything with a grain of salt. No one person has all the answers (myself included).
Is this person in an LT committed relationship?
Is this person in an LT committed relationship?
If you’re taking dating advice then make sure that the person giving the advice is qualified. If that is not even in an LT relationship, married, or divorced (b/c they were formerly in one) then there’s a high likelihood this person has no idea what it takes to sustain a relationship
Does this person have the lifestyle I aspire to have?
Now, everything looks good via social media, but even if a person takes nice pictures in nice locations are they always alone? And is that the lifestyle you too aspire to have? If not, then consider that when listening to said person
Is this person's view realistic or idealistic?
Everyone loves to talk about limiting beliefs when it comes to manifesting your dream partner, and I will agree this is a factor when going after what you want in life. However, you need discernment because there is a difference between something realistic and within reach and something that is just a fantasy.
It is up to you to seek out the information and then filter what is useful and how to incorporate it into your life. All advice ain’t good advice. Always keep in mind: just because someone calls themselves a relationship expert doesn’t mean they are!
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Want more blog posts on Femininity? Click here!
Want more posts on wellness? Click here!
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Reinventing simply means identifying patterns, values, or activities that no longer serve you and changing them for better options. It can involve external characteristics, like job, hobbies, appearance, relationships, and location. True reinvention also happens inside, in how you think and behave. It will be different for everybody, which is what makes it so powerful.
Reasons to reinvent yourself
There are many reasons why you might find yourself craving self-reinvention. Ultimately, it’s a sign that you are seeking change in some area of your life. Here are some possible reasons why it could be time for you to start reinventing yourself.
You’re stuck in a rut. Being stuck means you feel like you’ve stagnated in some way. This feeling of languish could be because of a static relationship, tiresome job, or lack of general inspiration.
You’re seeking fulfillment out of life. Wanting to reinvent yourself could come from your desire for personal fulfillment and deeper meaning and purpose in your activities and how you spend your time. This need for self-improvement tends to happen when we acknowledge how much time we’ve wasted on things that don’t bring us joy or meaning.
You need a change. There doesn’t always have to be an exact reason why you crave self-reinvention. It could be that it is simply time for a seasonal shift to occur in your life. From a new haircut to breaking up with your toxic partner, change is a natural thing to desire.
5 steps for reinventing yourself
1. Start with self-understanding and self-awareness
One of the first steps you can take towards reinventing yourself is self-awareness. This means actively assessing your situation and what you would like to achieve. Contemplate your current position in life and what brought you to where you are now. Think about what you’d like to achieve in the next five years and where you would like to be in the future.
2. Define your core values
One really useful practice is defining your core values. It will be much easier to make positive changes if you know exactly what they look like and why you want them. Use these core values to create a personal vision statement that will orient you toward how you want to reinvent yourself.
3. Ask yourself what you want to change
Everybody wants something that they do not have. But chasing after what you don’t have is only worth it if you’ve deeply considered what it is you really want and why. Take a moment to yourself and ponder what is missing from your life. Where/who do you want to be, and what constructive changes can you make?
4.Be honest with yourself
Being honest with yourself can force you to deal with some hard truths that are uncomfortable to acknowledge. This makes it all the more important. Lying to yourself will only hold you back from personal development.
5. Surround yourself with the right people
The type of people that you surround yourself with has the power to either lift you up or bring you down. Make sure that the people around you are kind, honest, and want what is best for you in life. They will encourage you to do the right thing and keep you grounded.
Reinventing yourself means discovering yourself
Reinventing yourself doesn’t necessarily have to be a complete overhaul of who you are as a person. It should be about recognizing your values and living your life as your authentic self.
Whether your goals involve a new career, moving to the countryside, or finally learning to love yourself, self-reinvention is a quintessential part of life. It is also a lifelong journey.
This is a continuation of my weekly routine post we made last year. Click HERE to read it first!
Quick Note: Although this post is titled ‘Self-Care Sunday’, it is important to remember that self-care should not be limited to just a day. It’s the constant effort to care for your mind, body and soul.
PART I: Taking Care of Your Body
Yoni Steam: Yoni steaming, vaginal steaming or v-steam, is an age-old natural remedy which has been said to cleanse the vagina and uterus, regulate menstruation, ease period cramps and several health benefits. It is considered a sacred practice and involves squatting or sitting over hot steam, which contains many herbs. Clickhere for a detailed post on yoni steaming.
Body Care: On Sunday I love to spend time on body care. Beyond, just the regular soap cleansing. I use a foot & body scrub to maintain my smooth skin. You can opt for a bath soak or shower gel in your favourite fragrance and enjoy every moment of how these products feel on your skin. Once you’re out of the bathroom, apply your favourite body oil to lock in your glow.
Facial care: Cleanse, tone, eye cream, serum and moisturize. This process can be tweaked, based on what works for you. And recommendations provided by your skin-care consultant. If you want to know what products I use, for reference CLICK HERE
Move your body: Put on your favourite playlist and have a private dance party in your room.
Part II: Taking Care of Your Mind and Soul
Feed your mind with positive information: Pay attention to what you’re consuming on the internet. Use this period to listen to podcasts while performing your body care routine or watch YouTube videos on self-care topics. If you're looking for podcasts to add to your listening list CLICK HERE
Meditate: Meditation helps to calm your mind and put you in a state of mindfulness. You can opt for a guided meditation on YouTube or use an application like Calm or Headspace.
Write down your affirmations: Affirmations are a powerful tool for manifesting what you want in your life. Say them, write them down and chant them, sing them, recite them till you believe them. Click here to read my top 5 level-up affirmations.
Set your intentions for the week: Mentally state the intentions you have for the coming week or if it makes you feel better, write them in your journal or planner. Your intentions are about you, how you want to touch the lives of others and what you want to contribute to society. They help guide how your day or week will go. Examples are: “I intend to make people smile each day of this week” and “I commit myself to healthy eating.”
I hope this was a helpful guide. Feel free to customize it to your liking and schedule. Sending you love and good energy. Don't forget to read our weekly routine blog post HERE.
I believe that understanding the ins and outs of managing our finances is essential in our quest for leveling up in life. After all, what good is achieving our dreams if we're not equipped with the knowledge and tools to sustain and grow our success? So how did I do it?
1. Living with parents while in school
While I had the advantage of fewer bills to pay, I still encountered challenges in managing my finances effectively. In the past, I used to blow money like it was nothing, with little to no savings to show for it. However, recognizing the opportunity to change my habits, I embarked on a journey of financial education, starting with reading "Rich Dad Poor Dad" by Robert Kiyosaki. Over the course of 6-12 months, I diligently saved and invested most of my income, laying the groundwork for my financial future. This disciplined approach not only helped me build a healthy relationship with money but also demonstrated to the bank that I was responsible and capable of handling a credit card. It was only after this period of financial growth and learning that I felt confident enough to apply for my first credit card. After being rejected 3 times prior!
2. Become Delusional as F**k
The biggest change in my relationship with money came when I realized that it's not inherently bad; I have a good relationship with money, and money works for me—this is my reality i lived in even during the times I was broke. I remained delusional in my belief that financialsuccess for me was attainable, and remarkably, it worked. This perspective empowered me to view money as a tool for creating wealth rather than something to fear. I learned to use a credit card to work for me, not as a slave to debt, and discovered how to leverage debt to make more money. This shift in mindset helped me overcome financial fears and embrace opportunities for growth.
For more financial literacy context read these posts
Escape Your 9-5 Job If You Don’t Want to Work
“Make Money When your Young, Pretty & Ambitious.”
How to make a credit card work for you
Keep Low Credit Utilization:
Aim to keep your credit card balances low relative to your credit limits. This utilization ratio should ideally be below 30%, with lower percentages being even better. High credit utilization can negatively impact your credit score.
Pay On Time, DONT MISS PAYMENTS
Consistently paying your credit card bills on time is crucial for maintaining a high credit score. Late payments can significantly damage your credit score and stay on your credit report for years.
Keep Old Accounts Open:
The length of your credit history is an essential factor in determining your credit score. Keeping old credit card accounts open, even if you're not actively using them, can help lengthen your credit history and improve your score.
Monitor Your Credit Report:
Reviewing your credit report allows you to identify any errors or inaccuracies that could be negatively impacting your score. You're entitled to a free credit report from each of the major credit bureaus—Equifax, Experian, and TransUnion—once every 12 months.
Avoid Closing Old Accounts
Closing old credit card accounts can shorten your credit history and reduce your overall available credit, both of which can lower your credit score. Unless the account carries high fees or you're unable to manage it responsibly, consider keeping it open.
Conclusion:
Through disciplined financial habits and strategic planning, I achieved and maintained a high credit score. This journey is only the beginning of my commitment to financial responsibility. For more insights on financial literacy, be sure to check out my other posts. Remember, with dedication and planning, anyone can achieve their financial goals
When you’re in pursuit of the life of your dreams along the journey there will be many seasons. Some seasons will be triumphant and you’ll feel like anything is possible, while others will be so difficult you’ll be unsure how you’re even going to make it through this season of life.
I want you ladies to remember, and as a reminder to myself as well, that the only constant in life is change. When change comes are you able to withstand the turbulence of life while remaining faithful and focused? And when things are great can you show gratitude for all that you prayed for and received?
“To whom much is given, much will be required”
I love that quote! It’s a reminder that if you want a lot you have to go through a lot. The best things in life are found through effort and experience. I know the “soft life” has convinced us all that being a “bad bitch” is enough to achieve the life of your dreams. However, in reality, that’s not all it takes! The life of your dreams doesn’t just appear! It is a treasure, and like a treasure, a hunt is required because you only find what you seek!
God/the universe, whatever you believe in, is always guiding you to become your best self. Let life mold into what you need to become, so that you can receive the desires of your heart. There is a lesson to learn in every season, and it’s your job to have enough wisdom to let life be your teacher.
At the end of the day, as much as we all want to, there is no avoiding the process or the discomfort that different season bring. If you are not already born into money you’re going to have to figure out how to get everything you dream of. Which means, you’ll have to go through some thangs!
How to embrace each session if your life?
I. PRAY
Pray, pray, pray.
Seriously! Without getting too religious, prayer works! Plenty of the darkest seasons of my life required a crap ton of prayer to get through the days. You have to remember nothing is happening to you, and everything is happening for you. You are where you are because that’s where you’re supposed to be. Trust that God has a plan, and it’s more beautiful than anything you could imagine.
Pray for guidance, pray for clarity, and pray for wisdom. Prayer has a way of providing calm in the midst of a storm.
II. SLOW DOWN
Take a moment to reflect on everything that lead you to where you are today.
Realize that some days will be productive, while others will feel like you aren’t doing hardly enough. We are all human, and growth is never linear. If you’re always moving and doing it’s hard to hear your intuition. It’s ok to slow down and listen to what the universe is trying to tell you.
III.FIND A NEW PART OF YOU TO EXPLORE
As humans we’re always evolving. We change the way we dress, the activities we enjoy, who/how we like to spend our time, and everything in between.
As you enter a new season of being take the time to reflect on what’s changing about yourself. Is it a change you like? Are you regressing? Take the time to explore and get to know this new version of yourself. Be curious without being judgemental.
IV. PRACTICE GRATITUDE
Practicing gratitude is the quickest way to call more good into your life. By being thankful for the good things in your life, no matter how big or small they may be it allows you to focus on the positive aspects of your life and acknowledge the good things that have come your way.
Some ways to practice gratitude include keeping a gratitude journal and expressing gratitude to others, taking time to appreciate nature, and focusing on the present moment. By practicing gratitude regularly, you can improve your overall well-being and increase your happiness, and better weather any season in your life.
Ultimately, accepting the changes and transitions that come with different stages of life, whether they be joyful or challenging. It means acknowledging that life is a journey with ups and downs, and learning to appreciate each moment for what it is. By embracing the seasons of life, we can grow, learn, and become more resilient individuals.
STOP DOING THESE 6 THINGS ON YOUR LEVEL-UP JOURNEY
Many things can hinder your level-up and femininity journey. If you are serious about levelling up, here are 6 things you need to stop doing on your journey.
Focusing So Much On Your Outward Appearance And Forgetting To Work On The Inside:
Most of the time, we focus on our outward appearance without considering our internal well-being. It's fun to spend money buying new clothes, trying new hairstyles, getting our nails down and playing around with makeup, and it is important to spend time levelling up our outward appearance, but it can't be the only thing you work on if you truly want to level up. You need to spend time working on things like building your self-esteem, learning to communicate better with others, learning how to handle your emotions in healthy ways, working on your manners and building healthy relationships with friends, family and your significant other.
Needing External Validation:
As you go along on your level-up journey you must let go of your need for external validation. External validation is when your feelings of self-worth are dependent on the approval of others. If you are looking for others' likes and comments on your Instagram posts to make you feel good about your outfit, hair or makeup, approval from your parents towards your life choices, or attention from men before you can feel like you are attractive and worthy of love, you need to learn how to self-validate. Get to know yourself. Learn what your values and goals are, and most importantly learn why these are your values and goals. On this level-up and femininity journey, you are going to meet a lot of people who don't understand or argue with you, so take the time to analyze why you seek validation and how you can let go of it.
Comparing Your Life And Journey To Others:
Stop comparing your life and level-up journey to others. We all move through life at different paces. It can be hard to see others accomplish the things you also want, especially when it seems like it came so easy for them when you try so hard. With social media, it's especially easy to fall into the trap of comparison. If you find yourself in this trap, take a step back from social media and focus on yourself. Spend time in gratitude and look back at what you have been able to accomplish and how far you have come.
Chasing Perfection:
Stop trying to be as perfect as possible. If you are on your level-up journey you don't have to strive to be the perfect woman. You don't have to always be perfect, have the perfect outfits, hair, makeup, and attitude. It's ok to be human and make mistakes sometimes.
Self-Doubt:
Stop doubting yourself and your abilities. If you want to level up you need to believe that you can do so. Self-doubt leads to insecurity and will keep you stuck in the same place you are trying to get out of. You need to let go of your past mistakes, your fear of failure and comparison if you want to be able to really let go of your self-doubt.
Feeling Guilty For Working On Yourself:
Stop feeling bad for working on yourself. You may need to turn people down, step back from relationships with certain friends or family members or even spend more time for yourself well on this journey. You must know that it is ok and important for you to take time for yourself and set any boundaries you need to guard your mind, heart and spirit. So don't feel guilty about that.
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Want posts on Wellness? Click here!
Book a 1-1 Girl chat with me! Click here!
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Soft Life 101: 3 Steps to Escape Your 9-5 Job If You Don’t Want to Work
Before we start, I want to clarify what I mean by “Not wanting to work.”
It means, that I don’t want to exhaust myself. I want to roll out of bed at 8 am then go to a workout class at 9 am. I want to spend my time as I please while keeping my workload to a minimum.
Working consistently, burns me out. I have no desire to prove my worth through productivity, nor do I have any desire to engage in hustle culture. I’m sure many of us can relate to feeling like the pressure to perform is exhausting. This is likely why, “soft life” is the latest trend on social media and has taken the girlies on Tiktok by storm.
In this new soft life era apparently, no one has a job and everyone is a "sahm" or "sahgf". While I understand the desire to escape the matrix and have a man you can fully depend on. Creating a more balanced and fulfilling life does not have to solely depend on your partner (though it helps!).
At the end of the day we still all want money! So how can we create an abundant life while still having a work-life balance?
Step 1: Be willing to make sacrifices
There is no such thing as something for nothing. Get that out of your head! I know we sometimes want to be saved, but unfortunately, life isn’t always a fairytale. Everything that we desire in life requires us to give up something else.
Do you want a better body? Give up junk food and exercise more. Do you want a better man? Give up your dust! To bring in the new we have to get rid of the old. If you want a soft life you’re going to have to strategize and be willing to give up what is no longer serving you.
Step 2: Find a passion you can monetize
*major key*
As the saying goes, “If you love what you do, you’ll never work a day in your life”. Find something you enjoy doing, then figure out how you, can earn money from it. Are you good at doing hair? Become a hairdresser. Are you the best dressed in your circle? Become a virtual stylist. I promise you, for whatever talent you have there are people willing to pay you for it!
For myself, I love teaching and writing! Blogging is a great way to share my expertise, create passive income, and create the life of my dreams that don’t necessarily depend on me going into a job. Also, you can make money blogging with a relatively small audience.
Check out my blog post "Make Money When your Young, Pretty & Ambitious." For more on this topic.
Step 3: Invest, invest, invest
*Another major key*
We all need money to survive. There’s no way around it! Ideally, we would live a life where money isn’t an issue and if that is your goal you have to start investing ASAP! By investing in assets eventually, those assets will make you money.
For example, invest in stocks like the S&P 500 (which is an index fund that is essentially many companies in one stock). Invest in stocks that will grow over time and make you more money than you bought them for. There are tons of ways to start investing: choose one!
A few types of investments
Real estate
Stocks
Businesses
If living a soft life is a priority to you start today with these steps that will eventually allow you to either fully retire or work minimally. If you don’t, you’ll just be stuck doing something you don’t enjoy or waiting for prince charming to come and save you.
In 2022, we'd be inundated with podcasts and social media comments describing how women should behave and act. This is especially true when it comes to dating.Everyone has suddenly become a relationship expert, and most are unqualified.
I never claimed to be an expert when it came to femininity or dating. I’ve just been sharing what I learned over the years in hopes that it helps you ladies along your journey. When taking advice online I find it best to take everything with a grain of salt. No one person has all the answers (myself included).
Is this person in an LT committed relationship?
Is this person in an LT committed relationship?
If you’re taking dating advice then make sure that the person giving the advice is qualified. If that is not even in an LT relationship, married, or divorced (b/c they were formerly in one) then there’s a high likelihood this person has no idea what it takes to sustain a relationship
Does this person have the lifestyle I aspire to have?
Now, everything looks good via social media, but even if a person takes nice pictures in nice locations are they always alone? And is that the lifestyle you too aspire to have? If not, then consider that when listening to said person
Is this person's view realistic or idealistic?
Everyone loves to talk about limiting beliefs when it comes to manifesting your dream partner, and I will agree this is a factor when going after what you want in life. However, you need discernment because there is a difference between something realistic and within reach and something that is just a fantasy.
It is up to you to seek out the information and then filter what is useful and how to incorporate it into your life. All advice ain’t good advice. Always keep in mind: just because someone calls themselves a relationship expert doesn’t mean they are!
Want more blog posts on Levelling up? Click here!
Want more blog posts on Femininity? Click here!
Want more posts on wellness? Click here!
We Just created a mailling list! Get notified about exclusive content + Free level up PDF checklist!
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