Financial Advice, My Life

First Week of School | First Adult Purchase

This week was a week of firsts for me. Due to hurricane Harvey, we had to start school two weeks later. Just wrapped up the first week and I feel like I’ve really gotten a feel for all 70 of my students and we have gotten into sort of a routine. Now it’s time to really get into teaching writing (did I mention that I am a 4th grade writing teacher?! I’m still stoked about that).

I’ve gotten a feel for the school and working in a public school as well as a district (last year I worked at a charter school). I prefer a public school because of the surmountable resources, trainings and help from other teachers.

I ended the week with making my first adult purchase that was not financed or charged to a card: I bought a couch!!! You all have no idea at how absolutely lit I was when I swiped my debit card. The fact that I swiped my card and didn’t feel like I was going to have a heart attack, that was a long time coming. I have been working so hard, living paycheck-to-paycheck for so many years (6 years to be exact), going from job to job (8 jobs in the past 6 years and that does not include freelancing, UberEats, Postmates, Lyft, Shipt and being an author and YouTuber) and taking out loans and credit cards just to stay afloat. Granted during this time I was living with my mom, however, my bills are my bills.

Now that I have paid off those loans, credit cards, IRS and teacher certification program, I am able to make adult purchases such as buying a couch, in cash. I actually felt like an adult. People always ask at what moment do you feel like you were an actual adult. It wasn’t the real job, getting my first apartment, getting my first car (or second or third), or having actual bills. It was being able to make such a large purchase and not feel my chest tighten or have to look at my bank account. To live comfortably and not be worried about money 24/7.

I say all of this to say that you don’t have to be controlled by money. Take charge of that money and your life. No one else will do it for you and I know that all of this seems cliché and repetitive, however, it works. Budgeting, saying no to extracurricular activities, saying no to Chipotle (that was hard af, and now I want Chipotle), saying no to Starbucks, the club, the movies, dinner, lunch, whatever. A couple years of just saying no, has paid off for the countless years of living reckless and saying yes, balling with no money of my own (all charged or borrowed).

Let me know your financial journey in the comments below.

xoxo The Black Vegan Author

Financial Advice

Financial Friday: Everyday I’m Hustlin’

DISCLAIMER: I AM NOT A FINANCIAL COACH OR ADVISOR.

I have been told that I work like a Jamaican (yes, Jazzie, I’m talking about you, lol). I have several different forms of revenue, and so should you. It’s important to not rely on one form of income when you are trying to pay off debts or for whatever you’re trying to do. 

I’m going to list the different forms of revenue I have now and then those I want to obtain.

Current Revenue:

1. Teaching – I am a substitute teacher, which is my main form of income. I have been doing that a little over a year now and that pays all of my bills.

2. Tutor – I’ve been tutoring almost two years and that pays for things I’m trying to pay off and it acts as side money.

3. Author – I have been a self-published author for four years now and I don’t make much but it’s something. 

4. Freelancer – I am on Upwork and I do a lot of editing freelance work. 

Revenue I am working towards:

1. YouTube – I would like to make a little money off of YouTube. I don’t make videos so I can make money. A lot of research and effort goes into my videos. It’s my passion to educate people. It would just be nice to get paid for my passion. Everyone wants to get paid from doing something they love.

2. Author – though this was in the above list, I would like to be a bestselling author in order to not only make money, but to reach more people and educate them about being vegan.

3. Blogger – I went to school for journalism to be a journalist, but blogging is what came of it and I wouldn’t trade blogging for myself about what I want to write for someone that will control what I write.

4. Business owner – I do have a shop on Etsy but it is closed at the moment until I can bring in enough revenue to open it back up. I make oils, shampoo and all sorts of bath and body stuff.

It is always good to have side hustles when you are trying to achieve a goal. Right now, I’m working on paying off debts so I can free up money to invest in myself and do things that I want. This is why I work so many jobs. 

Happy Friday!

Afro Hippie Vegan