Friday, August 18, 2017

FINANCIAL FRIDAY: CONSISTENT SAVINGS




Happy new day! I hope you are having a blessed week! The autumn season is approaching but with these extremely hot temperatures it seems so far away. This LBD has been a long time favorite of mine.... with the right accessories it can take you from day to night and season to season. Therefore it's super versatile and can save you loads of money. As for me, the money I saved by not purchasing another black dress will be used towards the $500 challenge.

I wanted to share a few quick tips on how to get started with saving and most importantly remaining consistent with it.

1. Have a financial vision for your life. A clear vision with time frames will push you and encourage you to spend wisely.

2. Clearly understand where you are financially. There is so much power in knowing where you are financially whether good or bad. It forces you into a mindset of accountability. The way you become accountable financially is by tracking every dollar spent and making sure it goes in the direction that best supports your financial vision.

3. Develop a consist savings plan. Remember, pay yourself first because if you wait until the end then chances are you will spend your savings. The amount you start saving initially doesn't have to be a lot because most important is developing the habit of saving. Therefore big or small try to save and grow it all. Once the habit has been created then challenge yourself to save at least 50% of your income if possible to allow your savings an opportunity to compound faster.

4. Whether you are just starting the journey to saving or you are just working on increasing your savings just enjoy the process and remain grateful. The road to financial freedom is not easy but with complete joy the journey becomes worth it.





SHOP THE OUTFIT



Thank you so much for your support and I pray you have  blessed weekend!

Tahari ASL black dress similar Here
Schutz wrap sandals Here Luxe for less Here
Versace sunglasses Here
Ralph Lauren double zip satchel Here


Monday, August 7, 2017

MY QUOTE OF THE DAY!








"....prioritize your faith and never allow anything to distract you whether it's close or far away...."


Have a blessed week!

Friday, August 4, 2017

FINANCIAL FRIDAY: SAVE OR SPEND







Happy new day! I pray you are having a fabulous week! I often receive a popular question "Should I save first or spend my money on bills then save later?"   You should always save first!  I feel the biggest and most important bill that you'll ever pay is to yourself. Therefore immediately after your money is deposited into your bank account transfer a certain percentage of savings into a cash account.  If you are uncertain what a cash account is then read my post here on the different types of cash accounts you should have. 





 Now the one thing that can complicate the system of savings is if you have a large amount of debt. You definitely want to pay off your debt immediately because trying to save while  accumulating interest on your debt will put you at a negative savings rate. When paying off debt be sure to have an emergency fund so you won't have to go back to charging items when an unexpected emergency arises. I also have a post here on what an emergency fund is.






   Remember the journey to savings and becoming financially free is not always easy but it is definitely worth it.  That is why this blog exist, to encourage you to only look back for the lessons and look forward for your blessings. ..and continue to make sure your thoughts and feelings are in line with your actions. Well I pray that you have a blessed weekend and as always thank you for your support!











  
Michael Kors dress...similar here Jimmy Choose Henna pump..here Versace sunglasses here



Have a blessed weekend!!!

Monday, July 31, 2017

MY QUOTE OF THE DAY!



....WORDS WILL ALWAYS BE SPOKEN OVER YOU...BUT THE MOST IMPORTANT WORDS ARE THOSE YOU SPEAK AND CONTINUE SPEAKING INSIDE YOU....

Have a blessed week!

Sunday, July 23, 2017

UPDATED SHOE COLLECTION








Happy new day! I wanted to share the shoes I added to my collection. The $500 Challenge has motivated me to be more intentional about my purchases as mentioned here  in my last post. Therefore,  I wanted to add some designer pieces that I could enjoy and get a lot of wear out of... and that would last for quite some time.  I brought these shoes last year and a couple at the beginning of 2017.  I have not purchased any other shoes this year.  I've noticed that the soles wear down very quickly on designer heels so I try not to repeat the same shoe day after day. When I am not wearing these shoes I store them in its original box and dust bag. I haven't resoled any of these but I'm sure I will have to do it in the future.





Similar here

 Anytime I'm looking for a pop of color I grab these red heels and it instantly glams up any look!



 These are probably the only ones that I wear on special occasions because the python is so delicate.




 I love that these heels have a curvaceous silhouette that makes it perfect for all occasions.  I chose open toe because the majority of the year I experience warmer temperatures. I plan to purchase the closed toe black pumps as well.


 I was a little worried about these shoes because when I get really hot my feet tend to swell and I felt the lace would be too uncomfortable.  However overall these sandals are absolutely comfortable and they pair well with all my summer outfits.






 I wear these with jeans, dresses and any look that I want to jazz up with some sparkle and shine! Basically these are not just  date night shoes for me.

I love that all these heels compliment my wardrobe and will transition well into the autumn season. As always thank you for reading! Have a blessed new week!







Monday, July 17, 2017

MONDAY MONEY













Happy Monday! I hope you had a great weekend! I wanted to share a quick tip on how I save money and most importantly time by investing in the clothes I currently have. Last year, when I started the $500 challenge I was inspired to reorganize my closet in a way that could help me save money towards this challenge. At this time, I honestly could have gone a long time without repeating wearing the same clothing. I realized that I had more than enough but I was still accumulating so much more. Therefore,  I prayed for clarity in how to stop being wasteful with my clothes and most importantly in all areas of my life.  

After my closet makeover I was left with items I truly love to wear, fit properly, and are made of great quality. Now, I don't let any items enter into my closet unless I'm certain the items will coordinate with the clothing I currently have. This ensures that I will definitely wear the item verses it sitting in my closet occupying space. I also love that I don't duplicate buying  items I currently have in my closet because I am more aware of what I have now.  Basically, my purchases are intentional and it saves me so much time, energy and money.

This floral dress was purchased last year and the length was almost past my knees. I really wanted this item to stay in my summer wardrobe for this year because I love the print. However, I didn't like the fit. I'm 5 '1 so this dress being so long made me look even shorter. One option was to buy another floral dress that fit the way I desired. However,  I decided to take it to my tailor and it cost me $16 to get this dress altered to fit properly. Well for that price I feel I could not buy another dress made of this quality for $16. I not only save money but I saved time searching online or in the stores looking for another dress. Our time is one of God's greatest gifts and I would rather use my time in the best way to honor that gift.






As always thank you for reading! Have a blessed week!

Antonio Melani floral sheath dress similar  here or  here
Jimmy Choo henna pump here
Ralph Lauren cat eye sunglasses here

Friday, July 14, 2017

MY QUOTE OF THE DAY




"...A success story is one that brings glory and that's filled with faith and determination to always keep going...."

Have a blessed weekend!

Nina caged sandals here
Off shoulder bandage dress similar here