As I'm writing this, I'm listening to this podcast and lowkey bashing myself for not writing a post or editing a video in two weeks because I was trying to finish up my summer internship [#Prioritize]. Black Girl Boss is one of those podcasts that will get yourself together professionally, emotionally, and mentally. Curated by Tatum & Milan, "Black Girl Boss" is a podcast meant to encourage and give advice to young Black Girl Bosses all over the world. I actually came across this podcast on Instagram because I follow Milan and her company U Management LLC. After listening, they have both become my what I like to call them, my Fairy Boss Mothers. I started listening out of order but I'm starting to get back on track now. So far, my FAVORITE episode was "Episode 7: Black Women, Depression, Daddy Issues". When I tell y'all this episode had me crying in my car, YO! The knowledge that I've gained professionally from this podcast has helped me develop this website and put me onto some game in business. If you're an entrepreneur, you NEED to listen to this podcast. The links on various platforms are listed below as well as the hosts, Tatum & Milan's Instagram accounts.
Black Girl Boss on Apple Podcasts, Soundcloud
Tatum's Instagram: @tatumtemia
Milan's Instagram: @theemilanmobley
I KNOW I KNOW ALL THE DAYS WON'T BE PERFECT BUT BABY CAN YOU STAND IT!? That’s just my song nevermind me but y’all… Lets just say adulating got real, real quick. So I’m at this rest stop in Delaware right. I pull into the rest stop right on 95 to get some Starbucks real quick, I come out and someone hit my car! Of course I’m sad but Baby Blu is in the shop (#GetBetterBLU – Issa movement). Thank God for insurance because that repair price was looking SUPER hefty. Y’all got a stack laying around? A year ago I would say no, but I’m telling y’all living on my own this summer got me together. I cannot stress the importance of saving your money for a rainy day! Shoutout to Geico but if I had to come out of pocket for this, I would’ve been good (by the grace of God). Having that security of knowing I could’ve paid for it made me feel myself a lil bit.
Saving is not easy. It takes discipline and two trusty apps [that are secured by the FDIC]. Both apps are available on the Apple App Store and Google Play. Digit is a savings app that I’ve been using for a while. Basically what it does is it takes small amounts of money out of your debit card and it holds it in this Digit account [Think of this as a third party savings account]. What’s so dope about the app is that you forget that you have it then you check back and you have a couple hundred saved up out of nowhere. You can also put money into the Digit account through the app or by text message. Another thing about Digit is that: 1. You can withdraw your funds at any time through the app or by text message, 2. It texts you every morning and tells you your current balance on your debit card. This app got me together a couple times with my spending because my account would drop just off me buying food [SMH]. You can either choose to save like small dollar amounts or even cents at a time [Personally, I just let Digit do what it do and save my money w/o me peeping]. Overall this app is extremely helpful for those who are just starting to grow their savings account.
Side note: Sadly, Digit is now charging 2.99 a month now but it’s a very small charge and it helps me save so ehh, I guess.
Had to blur out my $$$ because y'all can't know a girl finances OKUR.
Next up is an app whose notifications I’ve had to put on mute a couple of times because they kept reminding me about how much money I spend on food. Mint is by far the BEST finance app in the App Store [Your account will also be accessible on Mint.com]. So boom, you can connect all your debit & credit cards and your savings accounts as well. Mint shows you: 1. Your balance on each card, 2. Your overall cash balance [on all cards], 3. Your “cash flow” or how much money is coming in, 4. How much money you spend on EVERYTHING [I’m way over budget on food and Starbucks but what’s new]. Another dope thing about Mint is that you can also see your credit score on the app as well. Literally any major changes that they see in your account, they notify you. Mint is super convient because if you’re like me, you bank with multiple banks so you have a BoA, Chase, TD, etc. on your phone & you gotta log into each one and all – yeah it’s annoying. Mint you literally see all of your money and where it’s going.
You can sign up for Digit here – you’ll get $5 just for signing up!
*Affiliate link used for Digit*
Also sign up for Mint here! Have fun saving your coins!!!
I've been adulting all day so this is my way of venting it out. Today, I paid off my credit card and opened up another savings account so I'm feeling like money right now and I feel like talking that talk. Credit is one of those things that you learn as you go. You always hear about it but no one really teaches you about it until you get it [just like taxes, banking, loans, etc. but that convo is for another day].
Personally, I call credit "my trust level". Basically, credit just shows how responsible you are with keeping up with payments. Credit is also one of those things that's like a job, nobody will hire you without experience. I realized Summer 2016 that I should start building credit. At the time, I was working at Macy's and they have a store card so I figured I could open an account with them since I'm employed there. That was a dub and I got denied. Then, I applied for a Victoria's Secret card [honestly, just so I can buy sweats and build credit at the same time] and they denied me too. At this point I'm thinking like nobody is going to let me borrow money until I'm $30,000 in student loan debt then FINALLY, Amazon approved me for a credit line. On my Amazon card, I made sure that I did not go over 30%. This is the number one piece of advice people will give a college student on credit. Now what do they mean by not going over 30%?
For example: My first credit limit was $700, meaning I was not allowed to have a balance over $700. So what they mean by not going over 30% is not having a balance over 30% of your limit. In my case my 30% was $210.
I actually just came from opening up another savings account and the representative saw I was young, so she asked about how my credit was looking so we got to talking and she actually told me store credit cards are the best ways to start building your credit. She also told me that having multiple lines open at a time [no more than 4] and making those payments on time looks even better than just having one. Banks just want to know how responsible you are with your money before they give it to you. Credit is the easiest way of showing that.
One easy way of building credit that most experts recommend is to use your first Visa/Mastercard/ etc. credit line for gas and just pay it off every month
Another myth is that only your credit score matters. Your credit report is equally important, if not more, as your score. Your score is a basic number on a scale showing how responsible you are, your report on the other hand is showing EVERYTHING. Think of it like your GPA. Your cumulative GPA is usually on a 4.0 scale so it goes from 0.1-4.0. With your credit score, it goes from 300-850. Your report is like your transcript that shows that one bad semester. One thing I learned from my fave podcast [S/O to Platanos and Collard Greens], is how it's actually your credit report that most people look at before either approving you for a loan or even getting certain jobs. Just like you want to stay in that 3.0+ range for school, you want to stay in that 650+ range with your credit. Once it's down, it can take months or more likely years to build it back up again.
Mini Story Time: Freshman year, one of my professors gave the class this speech about credit and she told her story about how she applied for a college credit card and had a $3,000 limit. She spent it ALL and she made late payments. She told the class that she is just now starting to get her credit back together from that [she has a child in middle school right now so I would say she's in her late 30's/early 40's]. This was in COLLEGE and that one mistake she made followed her into her adult life. Everybody makes mistakes but these are some you can avoid.
Credit is not something to be scared of, you just need to make sure you're responsible with it. Credit is actually lit because when I was waiting on my paycheck, I was ordering groceries on Amazon with it. Lil bih gotta eat. Establishing credit now is easier than doing it down the line when you're trying to buy your first house or lease a car in your name. Don't wait, be prepared
Just know y'all gon hate me for all these Jay Z references I use but bear with me
Everything and everyone in your life has seasons or stages. Friends, Acquaintances, Boyfriends/ Girlfriends [Whichever floats your boat] all come and go. Of course there are some that stay forever but some people are simply in your life for a purpose. It could be for a lesson, an opportunity, or even for growth. When I look at topics like these, I like to look at Jay Z. Yes, there are people who speak highly of him but there's also people who throw dirt on his name just because he leveled up and left them behind, Dame Dash and Jay Z for example. In summary for those who aren't familiar, Dame Dash rode for Jay since day 1 of Roc-A-Fella Records. Watching the documentary, "A Genius Leaves The Hood" [Shoutout to the Platanos & Collard Greens Podcast for putting me on], people referred to them as Good Cop, Bad Cop. Jay being the Good Cop was chill and really moved in silence, just as he does now. On the other hand, The Bad Cop [Dame Dash] was the one that was like "Get this sh*t done or I'm sending hittas up to your office". At the time, being an independent company, you had to use that kind of force to break these barriers down but, it came a time where Jay grew too much as a businessman for Dame who is also his business partner to be conducting himself in that manner. Dame was simply a hot head that became a liability.
Now as I'm sitting at my desk developing my business plan for my internship, working on my site, and working on branding for my organizations all at the same time, I stopped and realized like damn I'm really doing all of this. It was a realization of how far I've come and how now I feel myself coming into a place where I have to prioritize my time and energy more. There’s also some people that make me feel crazy for doing something creative that most people don’t do. People are too comfortable where they are... I don't need that energy. Some people are cool with just going to school and working a summer job then after graduation, getting a 9-5, but that's just not me [Not knocking the hustle though]. I want to do more because that makes me stand out. I'm not saying cut off everybody you cool with that isn't an entrepreneur but if they aren't trying to do better in life, reevaluate that friendship.
"You become who you hang around"
Personally, I like having friends who are doing better than me because seeing them forces me to want to do better. Cleansing your circle is not only good for your productivity it's also good for your stress level which regulates everything else. Some things and people are toxic to your well-being and your grind and nobody wants to be sad and broke. That's not cute. It's easier said than done but again, let us look at Jay Z. I'm pretty sure he had some hard times cutting people off that he came up with just because they became toxic to not only his image but his well-being and his grind. Let's be more like Jay Z.
Although I'm barely home, I'll never forget where I've came from. I'm hype about this continuous series recognizing the home team. Jersey girls are beautiful, stylish, bossy, educated with edge. It's not just for bloggers or "social media girls" [I hate that term anyway], it's for all my favorite women who are flourishing! This week, I thought that I would recognize my two favorite Jersey girl bloggers for my first post.
From: Elizabeth, NJ
Blog: Karen Civil, Live Civil
Karen Civil is a personal favorite and inspiration to me. This Haitian GirlBoss hailing from Elizabeth, New Jersey, studied at Union County College. Since graduating, she has been running with the legends of the Hip Hop Industry. From assisting DJ Funk Flex of Hot 97 to Marketing Director of The Diplomats [DIPSET, DIPSET, DIPSET!] Karen Civil quickly made a name for herself in the early 2000's. After leaving her Marketing Director position with The Diplomats, she then began to work directly with heavy hitter artists like Nicki Minaj, Drake, Lil' Wayne, J.Cole, and more. In 2008, she launched her blog site, KarenCivil.com, where she keeps you in the loop of the latest in Pop Culture. She has held positions like Digital Marketing Manager for Beats by Dre. What other young black woman is making major moves like that!?
In 2014, She gave back to her homeland, Haiti, by building a playground for the youth to give them a safe haven. Her book, "Be You & Live Civil", published in 2015, outlined her past, her highs and lows, and how she built her media empire. Buy her book now here, and check out her sites, LiveCivil.com and KarenCivil.com!
From: Newark, NJ
Christina Bright, a vegan momma bear blogger, has made her stamp in the Tri-State area's creative circles. Her blog, EverydayIsChrisMiss, transparently showcases her journey through life struggles shows her audience that the journey to wherever you want to go is not always fabulous. Her blog also calls you out on your inner bullsh*t that you would never tell the world, but it's definitely that reality check that you need. Her hashtag #CoParentingMatters shows her journey of having to raise a child with someone you are no longer with in a positive light. Contrary to popular belief, this is achievable.
"ChrisMiss" is also known for her curating her event and podcast, "The Art of Convo" in New Jersey, New York, and Philadelphia where she forces people to really talk about topics such as Relationships and Sex, Politics, and even Drugs [Not the crazy stuff, just weed]. Christina continues to push to envelope of being different in every way. Christina also is active in the community of Newark. Christina is a domestic violence survivor and she recently spoke at the Shani Baraka Women's Resource Center located in Newark to share her story. To learn more and read Christina's work visit her site, "Everyday is Chris Miss" here!
Send your faves to my email or via social media. Thanks for reading!