This economy sucks. When I graduated from college two years ago, it was during the brink of one of the worst economic times in my generation. Most of my friends continued with school, I got my certificate in esthiology and transitioned from the world of fashion marketing into beauty figuring out my next steps.
Now in repayment for student loans, credit cards and mundane living, the stress of money can definitely put a damper on just simply living life. Who’s with me? When you’re stressed about money you can’t focus on the more important things in life like working out, getting a gym membership or funding your beauty maintenance routine. Thank God for products, bloggers, vloggers and girlfriends with skills or I would be lost!!!!
I’m currently in the process of increasing my financial IQ to learn more about my money, how to make it work for me and think laterally. In fact, my friends and I even started an investment club (Posh and Prosperous) and workout club to keep each other motivated and enthused about learning, educating ourselves and meeting our goals.
Now that I’m working on thinking outside of the box I realize one important lesson: Look at the value of things instead of the cost.
Buying organic could potentially save you in medical expenses down the road as well as working out daily which doesn’t have to begin with an expensive gym membership. Workout with a friend in the park or team up with friends with a home gym that you can use. Purchase maintenance products to keep your hair do longer. Relieve stress by staying organized and financially intelligent.
Resources I use personally:
Mint.com – I use mint to set budgets, goals, view my financial statement and get text and email reminders about when bills are due. And it’s totally free! It’s like having a personal financial assistant at your fingertips.
Manilla.com – Not sure how to organize all of the statements you get in the mail or bills? Keep them organized electronically with Manilla, an online filing system that also sends you email reminders when bills are due. It helps you to stay on top of your responsibilities as well as let’s you know when service agreements change.
Rich Dad Poor Dad – This book by Robert Kiyosaki changed my life and made me open my eyes to my way of thinking and how to create more assets for myself! I”m also reading Increasing Your Financial IQ and have ordered more of his books via Amazon.com used for pennies on the dollar! Invest in your financial education and in turn you’ll be investing in your health.
Others that I’m reading: Piggy Banking: Preparing Your Financial Life for Kids and Your Kids for Financial Life, Does This Make My Assets Look Fat?, and Knowing Your Value: Women, Money, and Getting What You’re Worth.
If you need additional help, enlist the assistance of a financial advisor who can help you better structure your financial lifestyle. Don’t get stuck in a rut because your money game isn’t up to par. Get it on track and de-stress.
Do you feel that your financial situation greatly impacts your health and your beauty routine? Please tell me how and share your story!
Sherrell Dorsey is a natural beauty expert, writer, speaker and advocate of health, wellness and sustainability in communities of color. In addition to creating OrganicBeautyVixen.com, Sherrell writes beauty articles for Tyra Banks’s beauty and fashion site TypeF.com, Jones Magazine, MySalonScoop.com and Posh Beauty. Follow Sherrell on twitter at www.twitter.com/organicvixen and connect with her on facebook at http://www.facebook.com/