Beauty on a Budget- Solutions for Oily Skin

I have oily skin.

Like terribly oily. Like soak through 3 blotter papers oily. And sometimes temperamental although the lemon water is turning that around. It’s one of the many things I inherited from my fantastic mother (who doesn’t look a day over 40 despite being in her early 50s). I’ve spent loads of money on procedures, mattifying products, powders, cleansers, regimens, you name it! I pretty much have tried everything to keep the oil at bay. I even worked for Estee Lauder for 6 years and couldn’t seem to find my miracle solution.

For some this may seem like a silly post but for other it will be extremely helpful. Lord knows I know the angst of trying to remain within your budget while planning for a major event, but resisting the urge to run to your nearest cosmetic counter and drop everything but your first born on whatever miracle solution they can concoct to keep you looking “fresh” and shine free.

After much research and youtube stalking I have found my regimen. I’ve tested it for about a month now an I must say, my skin appears less oily for a lot longer, sometimes the entire day, and I haven’t had any ridiculously shaming breakout. As a matter of fact my skin is really clear.

 

What are these products you ask?

milkofmag

Good ol Milk of Magnesia and Revlon Foundation. These two products have worked wonders in my life.

Yes the stuff that helps you with your stomach issues (the original which is unflavored).

I was looking for an alternative foundation that offers good coverage because I can’t wear MAC foundation for the life of me. Well I can wear it but within 1 hour of wearing it my skin looks like that of a 15 year old boy.

I had heard of Milk of Magnesia for oily skin before but thought it was just weird. It still is weird. Whats even weirder is someone figure out what it does for oily skin. Nonetheless, I finally decided to give both a try after checking out Lover 4 Fashion’s youtube video and I am so glad I did. Revlon Colorstay is about $5-7 cheaper than MAC Foundations and in my opinion covers just as well. The color I use is Mahogany and I must warn you, I had to go to 3 Targets before I found one that had it in stock.  I apply my foundation and Milk of Magnesia with a $3 E.L.F Foundation Brush.

I don’t wear foundation everyday, I pretty much incorporate these items into my regimen when Im going to special events, or will have to go to an event after work.

deskselfieOther items in my regiment include Bobby Brown Skin Foundation Powder, which I’ve been wearing for about a year now. It is my everyday product.

I wash my face exclusively with N-Diya Spa’s Honey and Tea Tree Cleanser and I tone with Lush Cosmetic’s Tea Tree Water. And I drink Lemon Water ALL-DAY, EVERY-DAY.

Have you ever tried Milk of Magnesia or any other non-conventional products in your beauty routine? What ways are you achieving a fierce and fabulous face for less?

Saving money during visits from Family & Friends

It’s a well known fact that budgeting is not my strong suite. Building credit and using it to your advantage is where I am a superstar. But budgeting. Im still learning to excel at that. While I have minor  budgeting victories on a day to day basis such as choosing to take the subway instead of a cab or opting not to upgrade my phone to that extremely beautiful Gold iPhone, budgeting is an ongoing issue for me.

You know what magnifies that?!

Out of town visitors and birthdays. This weekend I had the pleasure of both.

One of the best things about living in a city as remarkable and legendary as New York City is that you don’t have to go visit many people because everyone is dying to come to NYC. This weekend I hosted my very close friend from high school whom I call my brother. He decided to spend his birthday weekend with me and I was absolutely honored. So of course I had to make sure he had a blast.

saving money, saving money strategy, saving money tricks, shameless money saving tricks, tricks to save money, Picking Marquise up form JFK

Picking Marquise up from JFK

 

I didn’t spend as much on items as I thought I would but I did splurge on the additional birthday celebrations and birthday shots at restaurants. I exceeded my weekly eat out budget by about $75 and had to tell everyone at establishments that it was his birthday. NOTE: You might want to ask if the birthday celebration is complimentary. People will smile and say OKAY, then all of a sudden you find a $15 charge on the bill that wasn’t discussed.

Here are ways that you can save money when loved ones are in town.

1) Find Free/Cheap Attractions. Your city is bound to have free attractions. Think about it, it may not be exciting to you, but for someone who has never experienced it, it could be awesome. we opted to go to the Museum at the Fashion Institute of Technology. Which is totally free every single day. It was really informative and thoroughly enjoyed the current exhibits.

2) Flex your culinary prowess. To cut back on costs we cooked all of our home meals on Saturday. The day started with me preparing a huge breakfast and concluded with a wonderful dinner prepared by my boyfriend. While out we spent $2.99 on smoothies to hold us over.

3) Just walk. The temptation to fill the visit with exciting activities will be there, but some of the best moments will come from just walking through scenic areas of your city and talking. Chatting about life, catching up, and enjoying being in each others company will provide more enjoyment thank you can imagine. Plus you never know what you will stumble upon. We happened to stumble upon a shop that was going out of business and an owner who shut the doors and held a private 15 min party just for us. One of the highlights of my weekend.

saving money, saving money strategy, saving money tricks, shameless money saving tricks, tricks to save money, Storeclosing

My friends getting down at our random private party.

3) Plan Wisely. I think you should dine out at least once while hosting a visitor from out of town. Take advantage of Travelzoo Local deals and Groupons. While visiting my sister in DC she scored an unlimited brunch for 4 Groupon for $60! That equaled out to $15 for each of us. You can also score show tickets, attractions tickets, etc by keeping your eyes for deals before their visit.

saving money, saving money strategy, saving money tricks, shameless money saving tricks, tricks to save money, We dined at the famous LIPs NYC Drag Bar and enjoyed a show, unlimited Mimosas, and our meal for $25.

We dined at the famous LIPs NYC Drag Bar and enjoyed a show, unlimited Mimosas, and our meal for $25.

Down the line I will will probably create an extended list but these are a few notes that came to mind while my brothers visit was fresh (he left about 4 hours ago).

So tell me my fabulous friends, what are some of the ways you cut cost  when hosting friends and family in your city?

Domestic and Economic Abuse- My Personal Story

Today is the first day of Domestic Violence awareness month. I have decided to open up to my readers and essentially the world and touch on my history with domestic violence and economic abuse. I am sharing my story because of the silence that exists about this matter in our community. Women are suffering and surviving in silence, ashamed of their past. We tell ourselves we are weak if we’ve been in an abusive relationship. That couldn’t be further from the truth.

For a long time, I was extremely hard on myself, because unlike what I considered a typical survivor, I came from a middle class two-parent home.  My parents were committed to being great parents with the goal of rearing two strong, intelligent women and that’s exactly what my childhood entailed. I was a proud, confident military child with the ability to make new friends and was that kid everyone parents didn’t mind having around in hopes my manners would rub off on their kids. In the absence of excuses, I considered what happened to me to be my fault.

This was the Tonya he met

This was the Tonya he met

After graduating from High School and attending an HBCU in North Carolina for two years I decided it was time to spread my wings and move to Miami, Florida. My first year in Miami was amazing. I was flourishing in school, had become the only undergraduate research assistant at my job (a position usually held for graduate students) and my financial situation was impressive due to a mother who refused to let her daughter to have bad credit.

You never believe that it will happen to you. After watching scores and scores of Lifetime movies, yelling at the screen, it happened to me at the age od 22. He was a professional fighter and initially very charming. In retrospect he had issues written all over him, but at the time he was something different from what I usually dated and that excited me. The violence wasn’t immediate it slowly intensified. The first violent incident was him punching out my car windows with his fist. I broke up with him initially, but after a week of I’m sorry texts and voicemails accompanied with long apologetic emails I took him back. He hated Miami, so we deiced to move to his home of Cincinnati, Ohio together, where I would do my internship with the Environmental Protection Agency.

Once we were on his home turf things became worse. It was a series of terrible firsts. I will not go into all of the violent incidents, but it was the first time in my life I had my breath taken away from a punch to the stomach, it was the first time I ever had a loaded gun pulled on me, it was the first time I was choked until I was nearly unconscious, and the first time I received stitches (a result from a blow to my head which resulted in a permanent scar in my right brow). He began isolating me from my friends and family. My mother was barely speaking to me because she hated that I was throwing away my life to be with him. Everything in my life became affected. I was calling in more sick days than my usual and my grades slipped from a 3.85 average to a 3.3. In retrospect I believe I stayed because I believed in his ability to be a better person. I wanted to help him out of his darkness, but instead he was pulling me into his.

Along with physical abuse came economic abuse. We moved to San Antonio after my internship was up so that he could train at a Mixed Martial Arts facility located there. He basically refused to work. So the bills ended up falling on me. Being someone who believes in integrity and paying what I owe, I worked my ass off to keep us afloat. I took a job selling cars because the opportunity to make money was much better than other options in San Antonio. My entire income went to housing, groceries, and activities that he approved of. All of my money was spent staying afloat and I didn’t have excess to put away for my escape. He also began stealing money from me. He used my Best Buy account to concoct an e-bay scheme, which also included using my E-bay account because his was already in poor standing. (Sorry ebay). Almost 7 years later I am still sorting through the eBay mess and just paid off the Best Buy debt a year ago.

I found out I was pregnant around the time I found out he had a drug problem. He was using steroids and other drugs. These two factors are what finally pushed me to leave. I confronted him about his addiction and told him he needed to go home for treatment and that I’d go home to my parents and prepare for graduation and the baby. With 6 months left on a  lease I ended up having to break it. Knowing what I know now, I would’ve done more to document the abuse so that I could receive more legal help in reconciling my financial situation.

I called my parents and told them I was leaving him and ask if I could come home. Two days later I was on my way out. Driving from San Antonio to North Carolina I was numb. The gravity of what I experienced hadn’t set. It wasn’t until a call with a debt collector 3 days later that I broke. (Which we be covered in a future post). Once I was home and away from his influence I began to pieces myself back together. I changed my phone number and began to rebuild my life.  I rekindled old friendships and started living for me again. I did decide to terminate the pregnancy for personal, health, and finance related issues. Three months after leaving him I graduated with my BA. As I prepared for them to call my name the tears started pouring, not only because I was happy that college was finally over, but because I was proud of myself, for persevering through that situation and for not allowing him to take my education from me.

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Graduation Day

I may not look like what I’ve been through, but today I am a survivor.  When I look back on that part of my life I am astonished that I was me. It can honestly happen to the strongest of women. I realize that I am blessed. The statistics are startling:

  • One in 4 women will experience domestic violence during her lifetime.
  • Women experience more than 4 million physical assaults and rapes because of their partners, and men are victims of nearly 3 million physical assaults.
  • Women ages 20 to 24 are at greatest risk of becoming victims of domestic violence.
  • Every year, 1 in 3 women who is a victim of homicide is murdered by her current or former partner.

It breaks my heart to see young women being socialized to think that love is a struggle. That over protection equals love and that pain is better than being alone. I have spent the past 3 years of my life speaking to young adults about teen dating violence and helping women who were rebuilding their lives after fleeing form DV related situations.

To any of my readers if you ever need to talk, I am here. I am a living testament that you can overcome. I’m in a loving and fulfilling relationship with a man who loves me the way my father dreamed I’d be loved. I’ m almost complete with my Masters Degree in Urban Policy and I’m finally traveling the world. I told a friend yesterday that hands down, 2013 has been the best year of my life, and I know with out a fact that it would not have even been a possibility had I not decided to leave.

For more information on Domestic Violence, whether you are a victim or want to help, visit www.thehotline.org

Me in 2013

Me in 2013

“Out of suffering have emerged the strongest souls; the most massive characters are seared with scars.” ~ Khalil Gibran

 

 

 

 

 

 

Guest Post- 4 Reasons Why You Are Still Broke

Today’s Guest post comes from Kara Stevens of Fabulous and Frugal, 1/5 of the The Frugal Fab 5. Kara mentioned this post while speaking on our panel last week and the title alone blew me away so of course, I had to share it with you all.

how to manage your money, how to properly manage your money, how to manage your money wisely, how to manage your money worksheets, broke

You have worked too hard— getting your (numerous) degrees, navigating Cubicle America, and building your brand to be broke. “Being broke”, though, seems to a recurring theme among black women, who, for all intensive purposes, with the exception of their financial lives, embody intelligence, progressive thinking, resourcefulness, and discipline.
But in order to live a full life, you have to first gain insight into why are still broke. Here are four reasons for why a woman as fabulous as you, is still broke:

1.You are broke because you have yet to establish financial boundaries. How do you feel when someone gets too close—all in your personal body space—when you are in a restaurant, store, or on public transportation? You probably feel like they need to back up because they are making you uncomfortable. Right? Well, the same thing applies to your money. When someone in your family or in your close circle of friends comes into your personal “financial” space, they are crossing financial boundaries.

Establish your financial boundaries by making your opinions and policies around borrowing clothes and money, cosigning loans, and extended visits, clear to your moocher friends and family members. If you want to be direct, say, “ No, I am not wasting my money on that.” If you want a little more finesse, try this: “ I wish I could, but my finances are not allowing me to do that right now.”

2. You are broke because you have not aligned your values to your spending. A lot of us walk through life in a financial fog spending haphazardly because we are not paying attention to what we really care about, what we really love, or what we really need. Instead of customizing our lives and, by default, our budgets to reflect our priorities, we emulate the financial habits of friends or those on the media who are overtop in all things: clothes, entertainment, homes, dining, and travel.

To identify what you should be spending your money on, jot down what you love doing in your free time and the items on your “bucket list” and see how much of your money is currently funding those passions. If you find that you love “fine dining,” but do not care much for movies, clothes, or a fancy apartment, then you should focus most of your discretionary (guilt-free) money to that activity and eliminate spending in the other areas. On the other hand, if you are dying to travel, but are spending a whole heap of money on an apartment that you don’t really care about or paying a hefty car note, it is better to trade-in the costly rent and monthly car payment for a cheap place and sell the car so you will have money to explore the world.

3. You are broke because you equate celebration with big spending. Whether it be landing a new job, a birthday milestone, or a graduation, it is assumed that you have to go out and celebrate; “going out” makes things seem more special and more important when that is not necessarily true. When it is time to celebrate in a big way, consider taking it ol’ school and invite people over to your beautiful home or appointment to revel in your success and happiness. Besides, when you entertain at home, you don’t have to worry about mandatory gratuity, feeling rushed to leave after eating, or sharing public restrooms with strangers.

4. You are broke because you don’t manage your emotions. The concept of retail therapy is usually associated with a woman needing to shop because she needs an emotional pick-me-up or a confidence boost. We just don’t shop, though, when we are depressed. We also shop when we are bored, happy, feeling lonely, or feeling naughty.

Since experiencing emotions is part of the beautiful human experience, we don’t need to feel less; instead we need to identify healthy and cost-effective alternatives to shopping when our emotions start to surge. Try a hot shower, calling a girlfriend, dancing in the mirror in a bikini, doing something nice for someone else, or taking a nap.

As women destined for greatness, we have to manage our finances in a way that empowers our lives, brings us joy, and enriches our souls. The first step on this journey to greatness begins with self-reflection and a decision to no longer be broke.

Now readers, how do you feel about this list? Can you identify with any of the reasons?

Is PoshMark a viable side hustle?

Aside from budgeting, my biggest money issue is that I do not have diverse streams of income. Considering that most of my free time is accounted for between growing MyFabFico and Graduate School, a part time job isn’t really an option at the moment. That is if I want to keep my sanity.

MyPoshProfile

So when I heard about Poshmark I was down to give it a try. What is Poshmark? According to the founders it is a fun and simple way to sell fashion.  It’s essentially a stylish app that allows you to sell items in you closet from your phone. It’s like Beacons or Platos Closet 2.0. Think eBay meets Instagram. I have been using it for a little over a month now so I guess that’s a decent time frame to give a review.

Poshmark is super duper easy. Astonishingly easy. Shipping is built into the price. They have a camera with filters to make your items look great. Within my first two weeks I have made $100. No complaints here.

 

For me the downfalls were:

A) The amount of sellable items I have in my closet. I am habitual closet cleaner and clean out my closet before every move and after every season. Living in NYC doesn’t afford one the most closet space. Compared to other women’s closet from middle America and other parts of the country with 100 item closets, mine is bite sized with 20 items. I think some of these women shop just to have items to put up, which totally defeats my purpose for signing on to Poshmark.

Screen Shot 2013-09-23 at 11.16.41 AM

See what Im saying? 217 items! Note her kid on her hip. I’m guessing she’s a stay at home mom.

B) You have to commit. I’m talking photoshopped pics, hosting online shopping parties, and going the extra mile to show your appreciation. People even gather offline and have parties.

Poshmark-Hosts-1-600x899

I don’t have time for that. I’m too busy creating life changing workshops with the Frugal Fab 5.

C) People on Poshmark are cheap. Well at least my buyers are. They will try to pay you $10 for a dress that cost you $150. I spend a lot of time telling people no, I wont go down in price, or no, I don’t want to trade with you. You’re not going to make a lot of money on here unless you are selling luxury items or volume.

Despite those downfalls, I’ll continue to use Poshmark and list items I am willing to part with. ITs so quick and easy, and people are really nice on there. Going forward I am also going to decide what to put my revenues towards. Whether it be paying down debt or dropping it into my savings.

You May Need a Credit Card to Raise Your Credit Score

*Disclaimer, this article is primarily for those of us who don’t have a fab Fico just yet. This one is for the readers with, and I say this with love, a foul Fico. 

If your credit score is considered low or poor ( in my gracious opinion this is anything under 610), you know its very hard to get approved for a card whose APR isn’t going to be through the roof. Pretty much no one but Capital One is willing to throw you a bone. Don’t worry, there is hope, the irony is that you may actually NEED a credit card in order to raise your score. Let me introduce you to  *Drum-roll Please*

The Secured Credit Card

A secured card works the most like a debit card. You must have the cash up front. You make a deposit into a CD account- let’s say $1,000. That deposit now becomes your line of credit. With your new $1,000 credit line, you now have the chance to prove yourself, by making payments on time and paying off your entire balance every month. The Secured card reflects on your credit report as any other line of credit, and it doubles as a savings account as well. Honestly in my eyes this is a credit rebuilding WIN-WIN.

There are a few things to look out for to make sure you are getting the most out of this secured card.

1. Your  card needs to report to all 3 credit bureaus. You need all three  to see that you are doing your thing with this new line of credit. Don’t assume that every trade line is reported to all three- that is the reason you have 3 different scores in the first place.
2. The card should have low or no annual fees and no application fee. You are already coming out of pocket for the credit line, get the most out of your investment.
3. The card issuer should have other credit cards available that are unsecured. You should be on the path to upgrading to an unsecured card with higher limits as your credit improves.

In my research I really like the secured card USAA offers. (Yes that’s Tonya’s bank) This whole time she has been gushing over them, I thought they were for military people only. Fortunately their services extend to the rest of us.

Another card to consider is the First Progress Platinum Elite Master Card Secured Cardsacurity.

Go ahead and comment below with your favorite secured card offer!

Beauty on a Budget

Today’s guest post comes from one of my close friends, Naja Matthews. She’s vibrant, beautiful, glamourous, and her make-up is always on point. I adore her and she has introduced me to a few of my favorite Cheapies but Goodies, so of course I had to tag her for a guest post on MyFabFico. 

Naj

I used to be a faithful MAC girl, until one of the makeup artists at a MAC store let me in on a little secret! Many of the products, from high end to low end have the same ingredients! The packaging and marketing costs account for the huge gap in pricing. True, many of the celebs endorse Mac, but now lower priced brands are being supported by famous faces as well! (If you’re into that sort of thing).

If you are not familiar with NYX cosmetics (pronounced Nix), I suggest you take a look at the website http://www.nyxcosmetics.com/. Although it is not as intricate and expensive looking as MAC’s website, the NYX product assortment is just as fab!  The colors are just as bold and pigmented and the quality is comparable. NYX can be ordered online or found in your local drug store or beauty supply store.

EYES

Check out the drastic price difference in the eye shadows below. They are the exact same size and both have an equal  pigmentation level. Proper application and blending are very important factors in making your look work for you. Start having fun with bold colors and styles. Maybeline and NYX both carry great liquid liners and mascaras. My favorite mascara is Maybelline Voluminous lash! It’s bold and long lasting! If you are in need of further instruction, Youtube has tons of freelance artists that give tutorials on different makeup looks as well. Start your research there!

GLAM SHADOW $4.50 NYX Cosmetics Eyeshadow

mac_eye_shadow$15.00 MAC Cosmetics Eyeshadow

 

FOUNDATIONS

Your foundation is the biggest part of a refined perfect face. As long as you know your skin type, finding the perfect match is no longer considered rocket science. As opposed to $35 coverage products, opt for Maybelline  http://www.maybelline.com/Products.aspx . It’s effective and boasts a hypo- allergenic formula. If you love Mac Studio Fix, try Maybelline’s Queen collection for the same coverage! I’m also a long time user of Matte Mouse by Maybelline. It will forever remain a staple in my beauty routine.

 

BRUSHES   

z_brushesNow that you have all this amazing product, how do you get it on your face? Well, brushes are the deciding factor between a professional look and a poorly done job. One of the best investments I’ve made this year is the Sonia Kashuk brush set from Target. I noticed an EXTREME difference in how my makeup turned out before and after investing $25 on a set of nice brushes. The set includes a foundation brush (not a sponge like I previously used) 5 other useful brushes. I now have a more uniform look because the brush fibers glide fluidly across my skin providing even distribution. If you want minimal use, the key necessity is the multi-purpose brush! It can be used for foundation, blush and bronzer application!

$13 Mutli- purpose brush http://www.target.com/p/sonia-kashuk-core-tools-large-duo-fibre-multipurpose-brush-no-115/-/A-11909446?reco=Rec|pdp|11909446|ClickCP|item_page.new_vertical_1&lnk=Rec|pdp|ClickCP|item_page.new_vertical_1

$25 Brush Set http://www.target.com/p/sonia-kashuk-gilded-cage-holiday-brush-set-6-pc/-/A-14255725#prodSlot=medium_1_14

 

STARTING FROM WITH IN

Your inner beauty is a reflection of your outer beauty, therefore a proper skin care regimen is key. With proper diet, exercise and a special attention to your face, makeup becomes a fun extension of your beauty NOT a necessity.

While at a day spa, I noticed a lady of 70 years+ with unbearably perfect skin. She was void of wrinkles, blemishes and the wear and tear of age. She caught me staring at her and so I was prompted to inquire about her secret to the fountain of youth. She told me that she avoided heavy alcohol all her life and had minimal amounts of red meat (It may be too late for me on these two). She also said that she constantly drinks water and exfoliates every day!

From that day forward, I began exfoliating. I do not do harsh micodermabrasions or peels. I just use a light apricot scrub and a facial brush. I have seen a change in skin texture and I rarely have breakouts because my pores are cleansed thoroughly quite often. Check out this quick clip! It demonstrates how you can get the products you need to start your own $10 facial care treatment.   http://www.youtube.com/watch?v=psAmr7Ddcs8

A good moisturizer also helps in retaining elasticity in the skin. This can be a bit challenging, but remember, no matter your skin type, you should choose an alcohol/fragrance free moisturizer. I’ve tried tons of day creams, night creams and all things in between and I’ll admit that this time, I’ve gotten the best results from the $32 MAC Studio Moisture Cream.  It can be worn at bedtime or you can use it right before you apply your makeup.

 

Check out Naja’s Youtube channel for health, beauty, hair and makeup tutorials! http://www.youtube.com/user/BeautyBar22

You can also check out her blog HERE

Naja Matthews is an author, social critic and lifestyle blogger. She hails from Memphis, TN but can currently be found in Harlem televising the revolution.

NajaFace

Should you enlist the help of Credit Repair Company?

People approach me all the time with this question and I get it, sometimes navigating the credit scoring and repair process can be a little confusing, but I am absolutely against paying someone to correct your credit report.

Namely because as Neal Frankle said in his Huffington Post article, “In truth, there is nothing that a credit repair firm can do for you that you can’t do for yourself, and do so in less time and at less cost. But there is nothing that will hurt your credit score more than working with a credit repair firm that is not reputable — and there are plenty of those.”

There are only three ways items can be removed from your credit.

1. They age off after the statute of limitations has passed
2. The creditor agrees to remove or correct an item on your report
3. The debt is removed after a successful dispute.

This is the only thing they can be done and rather than paying a company to do it, how about you take a Saturday morning to sit down and type up the letters and take them to the post office.  That’s what you’d be paying a legitimate company to do and god knows what you’d be paying an illegitimate company to do.

Now do not confuse Debt Counselors with Credit Repair companies. There is a difference although people use the terms interchangeably. Debt Counselors usually work for a non-profit entity and do not charge you for advice. Credit Repairs Companies charge you immediately. If they are asking you to whip out your wallet for result, that is a BIG RED FLAG!

I’m a film believer in not paying others for things I can do myself and its one of the ways I have really kept my overhead low.

Have you enlisted the help of a Credit Repair Company? What was your experience?

Guest Post- 5 Lessons From Your Mom That Can Teach You About Money

After a long weekend, I’m going to show a little love. The following is post that was featured on the blog my new fabulous friend, Tiffany aka The Budgetnista. Aside from being an amazingly inspirational individual, Tiffany is the author of the Best selling book The One Week Budget

Here are  5 favorite lessons from your mom that can teach you about money

Lesson 1) Clean-Up Your Mess:
Who’s mother hasn’t chastised them about cleaning up their room? Many of us with cluttered rooms as kids, are now money-messy adults. We have no budget, no system for saving or paying down debt, and no plan for our credit. Most of us are just winging it, well…. not me (kidding, kinda).  Just like a messy room leads to less productivity, so does a chaotic financial life.
The Solution:
Begin cleaning up by creating a financial file system. Stop groaning… It’s pretty easy. Financial guru, David Bach, details how to do so in his bestseller, the “Finish Rich Workbook”. I used David’s system in my mid-twenties and still use it now that I’m a super, young–looking 30-something.

Lesson 2) A Place for Everything and Everything in its Place:
Candi Sparks, CEO of Sparks Fly, mother of two, financial literacy consultant, trainer and author of the kid, money, book series, “Can I Have Some Money?“, got this lesson from her shero, her own mom. She says, “this lesson reminds me that we create our own financial atmosphere by putting money where it belongs, or in other words, allocating assets. These days, most people live in a financial atmos-fear, but that doesn’t have to be the case.  We can take control of our money by putting it in its proper place.”
The Solution:
Candi suggests that we first put our money into categories: spending, saving, donating and our long-term goals. Take it a step further and separate your money into multiple bank accounts, then re-name each account online, so you and your funds stay organized.

Lesson 3) Finish Your Food
Moms understand the value of not being wasteful, especially when it comes to food. According to United Nations’ data, as much as 40% of food in the United States is wasted. That’s a lot of green, and I don’t mean spinach. Wasted food, equals wasted money.
The Solution:
My friend in college invented a game called, “Clean the Cabinets”. She would refuse to go food shopping until she’d eaten virtually all of the food she had available at home first. Most of us buy stuff we already have and therein lies the waste. Play your own version of “Clean the Cabinets” and watch how much you save on groceries.

Lessons 4) Mind Your Business:
Author Hannah Seligon, in a New York Times article asserts that, “that entrepreneurship can be a viable career path, not a renegade choice. Chike “EntreprenuerCoach” Uzoka, business coach and author of the “Young Man’s Guide to Entrepreneurship“, agrees.  He credits support from him mom for helping him make the leap from Wall Street to owning his own business.
The Solution:
Chike tells his clients to find their passion first. He says this may take awhile and that’s OK.  After identifying what you love, Chike suggests new entrepreneurs begin to think about how your passion can make you profits. This is your business model. Nothing kills a passionate venture faster than lack of revenue.  These first two steps are only the beginning of the journey that is entrepreneurship.

Lesson 5) Be Nice to Your Brother (or Sister):
Most moms would agree, giving is receiving. Aren’t they always reminding us to be nice to our “brothers and sisters”? In this age of perceived lack, the best way to activate abundance is through genuine, generosity. Helping other people is essentially helping yourself. It’s good for the soul and good for the wallet too.
The Solution:
Pick a charity, organization, religious group or individual that you can commit to helping for the next 6 months. Define what that help looks like. Will you give your time, resources, funds or expertise? Each year my company, The Budgetnista, donates 10% of its gross profits to a new nonprofit in my community. It’s awesome to see first-hand how my gifts make a difference.

– Tiffany Aliche

MEandMom

Me (Tonya) and My beautiful mother taking a break from walking down the Eiffel Tower.

What are some of the lessons you learned form your mother that you can apply to your finances?

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Created by nationally recognized millennial money expert Tonya Rapley, My Fab Finance is a leading financial education and lifestyle blog for millennials who want to become financially free and do more of what they love.
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