aspiring pretty girl

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10 Personal Finance Tips for Girls in their 20s

1. Personal finance advice is PERSONAL. Take any advice you see online with a grain of salt, including this one. That being said, there is a lot of basic advice that could apply to a lot of people and do a lot of good.

2. Be interested about money. You’re being ignorant if you think that money doesn’t affect you, or that you don’t care about money. It is one of the most important areas of your life as a grown adult. You don’t have to think deeply about it every day–you just need to learn the basics and put some time into it at the beginning, and that will set you up better than most people. Read books. Read forums. Watch YouTube videos. Listen to podcasts.

3. Debt is complicated–think about it before you take it on. Think about whether or not it’s a good choice for you in your personal situation. Generally speaking, mortgages are acceptable debt, and consumer debt is not.

Student loans are a grey area, but don’t take it lightly! Make sure the cost is worth what you think you’ll be able to make with an income. Talk to people who are in your field and ask whether or not your level of student loans is worth it. Be educated about debt before taking it on, or else it will be a very ugly monster.

4. You Need a Budget (YNAB) is the best app for budgeting, period. I don’t want to hear anything about tracking your expenses, because that’s retroactive. We want to be proactive with our finances. YNAB lets you do that. There’s a year-long free trial for students too.

5. Credit cards aren’t the devil, but if you can’t use them responsibly, figure yourself out before you use them. The maximum amount of money you can borrow from your credit card (aka your credit limit) is NOT your money. It’s debt. If you can’t control yourself, then take a step back and reign in your spending habits before you get a credit card again. YNAB will help with this. I have access to over 6 figures in credit from the bank, but I’m not out here blowing that money on designer bags and whatever.

6. Your savings are wasted in a savings account at your bank. Big banks have the customers by brand name alone, so their interest rate will be measly compared to smaller banks. Be sure to do your research before you commit to a smaller bank because there can be some scammy ones! My bank’s interest rate on a savings account right now is 0.05%. My high interest savings account interest rate is 1.5%–x30 higher!!

7. Your significant other is a significant decision not only for your life but also your finances. Don’t rush into marriage. Don’t rush into buying a house together. Don’t rush. Divorce is painful and expensive. And being with someone whose financial values align with yours is important. You don’t want to be scrimping and saving when your partner is out buying everything under the sun.

8. You don’t know anyone else’s finances, so fighting to keep up with the Joneses is stupid. There are athletes making millions of dollars a year who have flashy lifestyles and can’t handle their finances and end up bankrupt. You don’t know how the girls on Instagram or the other rich people in your life are affording things, so you can’t compare your situations. You don’t know how much money they make, or how much money their parents give them, or how much student loans they have. Eyes on your own paper. Focus on your own financial security.

9. Reconsider how much you eat out. Eating out is such a money suck for many young people, either because of convenience or because you don’t know how to cook. Learn how to cook. Don’t be lazy. If you’re getting takeout, consider at least picking it up instead of getting it delivered and paying an abhorrent amount of extra charges in service fees, delivery fees, and tips. I’ve cut down my eating out significantly and my wallet thanks me for it.

10. You are in control of your money. (Side note: don’t give that control to anyone!!!) You CAN make good and responsible choices. You CAN achieve financial goals if you do your research and educate yourself and put in the work. You CAN reach a point where money is not a stressor in your life. I believe in you.

Now go out and get wealthy.

xoox,

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Pretty disgusting to have my post stolen :)

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the feminine urge to bring back this blog… 💭

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If you truly wanted to change your life, you wouldn’t wait until the new year. You wouldn’t wait until the 1st of the month, or even a Monday. You would do it right. now.

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Has anyone else become more private after reading @babyphat05′s blog? I don’t mean in an extreme way where you don’t tell anyone anything about you ever, but I used to want to be famous (... lol) and have that admiration and validation, but now I’d rather keep my business to myself.

I know that you can make bank off of YouTube and Instagram and now TikTok, and I admire the hustle, but at the cost of my privacy? Nah. I don’t want my persona out there for everyone to attack and judge and nitpick. Not from an insecurity perspective. More that I like a drama-free life.

Also–some of the stuff that people post on social media is insane to me. Again, I’m sure you can make bank, but you can really garner a reputation online that follows you around, especially when you’re attaching it to your face and name.

I’m not going to name names, but I think about this with glow up journeys on YouTube. They can be motivational for sure, but do you really want people to see you at your lowest of lows, talking about how you lack discipline and can’t get out of bed? That can have serious consequences when it comes to having a job. The way I see it is why give other people the ammo to attack you? Why put anything other than your best self out there?

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I was creating my summer plans and goals (which you should definitely be doing) when I started getting overwhelmed by how much I want to do. I started overthinking and doubting myself. But there’s just no other way if I want to hit my goals and live the life of my dreams, which I absolutely do! “The only way out is through,” after all.

So I’m not taking this school year summer off. A few years of hustle is all I need to set myself up for a successful life. I’ll relax and rest too of course, because burnout is no good, but I’m not letting my potential stay potential and waste it. I’m going to squeeze out every drop that life has to offer. I have audacious goals, and I’m going to reach them. 

Who’s going to join me?

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Thanks for 1k ♡

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Motivation is volatile. Build habits and systems and routines. You’re giving yourself too much credit by letting you consciously make the decision on what to do every day. Decide now, and never decide again. You can have everything you want. Put in the work.

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You’re not that special, sweetie. You are special, in so many ways, but you’re not the only person who’s ever felt this way. You’re not the only person who’s ever been heartbroken, or studied so hard and failed a test, or applied for her dream university and didn’t get in, or any other bad emotions. Literally everyone else has gone through those same feelings. You know what separates the successful ones? They don’t linger. They wallow for a defined period of time, then re-focus. They look at the situation with a critical eye, and set out to correct their path. This is an extremely valuable lesson: you know what to do differently the next time. So go out and do it. 💋

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I know I’m getting more secure in myself when I witness people doing better than me and I don’t get competitive or insecure, just inspired 🙌🏻

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Many of us look at life as work. We approach it and try to handle it like a job. We complain about it. We blame others when it is not working. We hold someone else responsible when it does not give us what we want. Some of us give up on life. We move from day to day, with no plan, no goals and ultimately no rewards. We fail to understand that if life is work, the better we do it, the better it will pay us. When we perform our tasks to the very best of our ability we receive just rewards for what we do. When we are thorough in our work and put our best into it, we become better at it. When we become too good for where we are, we will be advanced to our rightful place. The things we must realize about life is it cannot be better until we are better. We cannot get more until we are more. The only thing that can stop our advancement in life is our not being ready to move. If life is work, run it like a multimillion-dollar corporation and elect yourself chief executive officer.

(If anyone knows what book this came from, please let me know! I saw it on an Instagram story my friend sent me.)

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I’m trying to busy myself as much as possible this summer. To the point where I’m not on my phone at all.

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Hi :)

I recently discovered your blog and I love it 💞 I saw that you used a picture Jennie from Blackpink on a post. Was this or coincidence? Or do you like kpop?

I know who Jennie is! I listen to some kpop but not a lot :)

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You owe it to yourself to put in the work. You have so much potential, and deep down you know that. But you’re wasting it. Why? You could have the life of your dreams of you wanted to. Take action towards your dream self and life today.

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Do y’all prefer reading blogs with general glow up content or a personalized glow up journey? I’m thinking I might do the latter and document everything 💋 Just not sure whether I would do it on this blog or not!

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Had a meeting with my bestie (who works in marketing and is starting her own business) about the special little idea I had. Right now I’m thinking a contemporary brand of handbags, makeup cases, SLG’s (small leather goods. Think card holders, luggage tags, passports, things of that nature but not necessarily those specific products), blankets, travel mugs, and office supplies like notebooks, planners, etc etc.

Design wise it will, ofc, be very pink. Very preppy y2k. Think upper east side rich girl in 2005. She wears Burberry skirts, carries the hottest Louis Vuitton x Takashi Murakami bag, plays tennis with mother and golfs with daddy. Watches The Girls Next Door in the hot tub at the country club. Partied with Nicole Richie on spring break. She has an impressive collection of diamonds and pearls and her tiffany necklace was a gift from her boyfriend with a penthouse. Giant fridge full of organic fruits and vegetables. She attends the trendiest fitness classes and stops showing up once Gwenyth Paltrow starts coming. Goes to a prestigious university and is the president of her sorority. Lounges around in her many juicy tracksuits and is the first to hear all of the hot goss when her besties ring her flip phone covered in rhinestones. She’s gonna be in a music video tomorrow. Good thing she got her French tips done this morning. This will be the vibe of my brand. At least that’s what I’m envisioning so far. Thoughts? 🥺👉👈

To help out, my family is investing money into the project. You guys, this is so special to me. Pretty much any time that I’m not working at my tech job, I’m gonna be working on this project. I have a looot of connections that will speed the process up, and baby is a business man who can give me access to his resources as I need them 😏. It’s only going to be an online store, so that takes away a lot of troubles with starting a brand. In a perfect world, I’d like to have a mini launch this summer, starting with just a handful of products. That’s what I’m aiming for bc I work well on tight deadlines. I’m gonna have to go through all of the business cards I have acquired over the years to find the one I received from a company in London who hand makes products and pays their employees a fair wage. That’s very important to me. High quality products using real materials, made by expert craftsmen who are paid properly for their work. None of that sweatshop nonsense.

I need to make some calls. Wish me luck girlies 😌

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I need this to be successful because I need this!

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Being a baddie is work. Being in love with yourself takes effort. Becoming successful at your craft takes discipline.

Be prepared to give effort, time, energy, and resources to your pursuit of your goals.

It pays off in the end but you have to be willing to work for it.

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Hope y’all are getting vaccinated so we can have a true hot girl summer 🤍