Uncategorized

I Gotta Baby, I Need Some Money

So I was sitting in the dentist’s office scrolling through Instagram, and low and behold I see a post from Cardi B. Her new video for “Money” dropped. I quickly go to my YouTube app and search for the video. After watching it, my first thought was, “Did you expect anything less?” And I mean that in the most respectful way. 

I have so much respect for her simply because she does not try to be anything that she’s not. She’s not fake and she’s humble about where she came from, from being a stripper, dancing in the club, to still using her skills to make money today. She always talks about when she was a dancer and is still proud of it. She’s also apart of the Bloods gang. She appreciates everything that she has gone through and done because it has gotten her to where she is today.

I honestly imagined her video would be raunchy with class. She filmed it in a bank and a strip c!ub. She also showcases her skills on the stripper pole and dancing. That’s who she is and she’s humble about it. She’s not ashamed of where she came from, because if it wasn’t for that, I don’t think she’d be rapping today.

What gave me the biggest respect about her video is seeing her breastfeeding her child. Many people made the comment that that wasn’t actually her baby, however, I think those parts were shot when Kulture was first born. Regardless, from one breastfeeding mom to another, hats off to her.

She takes pride in being a mother and I honestly think that’s why she hasn’t taken Offset back. I also don’t blame her. She has a baby and a booming career. She doesn’t have time for the constant public humiliation. She is the epitome of a hardworking mother and I can only giver her props for it.

I know many people after seeing the video called her a ho. Do you think she’s bothered? She has capitalized on what many call “hoish” ways and behavior. Also, Cardi doesn’t give a fuck about what people think of her as long as she’s still getting them coins.

What did y’all think of her video?

Financial Advice

Financial Friday: USAA Credit Card and Loan Debt is Paid

 

 

A4DAB909-9700-4B7F-88F7-6AA934A5B33B

I’m debt free!!! Well, with USAA I am. I made my last credit card payment with them on May 31 and it just now hit my account. I cannot be happier. I owed them a total of $5,000 in credit cards and a personal loan. I have paid off and closed all accounts. I feel so much relief have one less debt. Now, all I have left is my car and student loans. That’s it.

Next, I’m going to tackle these student loans. If you are new to my blog, I am a single mom on a debt free journey. As of June 4, 2018, I only have student loans and my car to payoff and then I am officially out of debt. Along this journey, I will be sharing what I use to stay on top of my finances. I am not a financial advisor, coach, consultant or guru. I am just using what I learn to get me out of debt in order to retire early and give my son the best life.

Setting goals is important on this journey as well as budgeting. I’ll soon be selling budgeting products in my shop, so stay tuned for that.

My Life

2016 has been a great year

Around this time last year I did not think that I would be where I’m at in my life now. Last year this time I was:

-living paycheck to paycheck

-had a negative balance

-working as a substitute teacher

-couldn’t pay all my bills

-living at home

-depressed

-unhappy

I was a lot more things but those were the main things. Financially I was so unstable and that was hard for me even with living at home. My mom footed the bill as far as a roof over my head but for everything else, I had to pay all of that. I felt like I was hitting rock bottom. This may not sound like anything serious to anyone else, but it was a serious thing to me.

Things started looking up when I took my contract exam for my teacher certification at the beginning of this year, January 12 to be exact. I passed all parts except one, which apparently was not enough to to get hired as a teacher but whatever. So I retook that section I didn’t pass again a and I passed so I got my probationary certificate. I was so excited about that until I started applying for teaching positions and was being denied from each one. So I pushed that to the back of my mind.

The next thing that happened after that was I paid off a loan with my bank and the IRS. That freed up a great deal of money for me and I became somewhat stable until summer came and I w no longer working as a substitute. Substitute teachers do not get paid in the summer like teachers do. I was working part time as a tour and that was barely enough to eat off of, I had to ask my mom to help me until I could get back on my feet, and I’m not a prideful person but I hate depending on others even if it is my mom. 

June is when things really started looking up. I finally got a yes for a teaching positions to teach second grade and I was ecstatic. I was too happy to finally be able to find a job that I wanted. Not long after that, I moved into my first apartment, in August, a week before school started. 

Once I started working, I became happier and happier because it was what I wanted to do. I love teaching, I love working with kids and just knowing I’m making a difference in the life of a child. With that comes great pay which has helped me a great deal financially. I will have a credit card paid off in February and the other possibly before the school year ends. 

Another thing I’ve been able to do was write a new book and start on another. I’ve had a lot more creativity since I have been able to work doing something I love. I’ve been happier and I think that translates into some of the things I wrote in my book. 

I’ve also been able to reach and impact more people on social media through IG and YouTube. Those are two goals of mine in 2017 – to grow my rolling and reach more people.

With all of that being said, I can only imagine what great things are going to happen in2017. 2016 has been so great to me, and I am thankful for everything that has flourished in my life. With patience, faith and positivity, great things will happen. 

Let me know in the comments what great thing shave happened for you in 2016. 

Financial Advice

Financial Friday: Debt, Debt, Go Away!

As of today, I have paid off two debts. Wooohooo! That is a huge accomplishment. I have paid off the IRS and a personal loan. Two steps close to being debt free! Even though those are two milestones, I am not ready to celebrate just yet. When I pay off my two credit cards, I will really celebrate. Those are the most important things right now (other than moving out of my mother’s house).

I am so happy to no longer have these two debts hanging over my head. Now I can really focus and go for the gold. I am in the process of getting two new hustles so I can have more sources of income. Right now I have three sources of income and I am working on a fourth and fifth. My hustle game will be strong this summer.

I have so many goals that I want to accomplish on my vision board. Even though that’s only $3000 that I have paid off in three months, it is still an accomplishment. That extra money that was going towards those debts, will go towards these credit cards. I am so serious, like y’all don’t even know how hard I am about to hustle to get these debts paid off as quick as possible. Then to top it off, I still have student loans. This will be a summer of absolute grinding.

Let me know if you have paid off any debts and if you have some tips for paying them off faster.

Journey to Financial Freedom,

Afro Hippie Vegan

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

Financial Advice

Financial Friday: How I Got In Debt

DISCLAIMER: I AM NOT A FINANCIAL ADVISOR OR COACH

My goal is to be out of debt by this time next year. This goal is still feasible but I am not going to stress myself trying to make it happen. I owe $21k in student loans and $10k+ to my bank. So, in essence, I owe over $31k. I know that’s a lot and being that I will be a full time teacher in the fall, it’s manageable. Now, you may be wondering how I plan to get out of debt by this time next year. I will save that for next Friday, but first, let’s talk about how I got in debt.

  1. As for student loans, I mean that’s self explanatory. Many of you reading this have four year degrees of some sort and racked in a surplus of loans. We all know what a pain in the ass they are. I know some of you may have more and some of you may have less. But yeah, being the child of parents who made too much money, I did not receive any free money. My four years in college were borrowed. Originally I owed $26k, but now it’s $21k (interest). I will talk about how I paid that down next Friday.
  2. I got my first credit card in college because I heard that was the thing to do. It was a way to get credit and before I know that having a credit score was BS, I wanted to have a line of credit. My limit was $2500 and I maxed it out quickly and not by going on shopping sprees. Soon as I got the credit card, my car broke down. The A/C went out, my fan broke, I had to replace all four tires. That $2500 went fast and not by choice either. It seems every time you get more money, something always happens to where you have to spend it. Just my luck, my car hated me. I eventually had to get a new one. All that money just wasted.
  3. I got my second credit card a few years after the first because I was working for a nonprofit organization and I could not make ends meet. I was legit struggling. I never made it to my next paycheck without being in the negative. That one maxed out pretty quickly due to more unforeseen events. That limit, too, was $2500. So now I am at $5k that I owe my bank.
  4. I then took out a loan for $2500 from my bank because I worked for another nonprofit, and the last month of my contract, they decided to not pay me and it was two months before I got a paycheck from my next job. I was pissed. I had no money to pay bills, buy food, put gas in my car, nothing. So that put me at $7.5k that I owed my bank. Oh, it gets better.
  5. Remember how I had to get a new car? My old car was paid off and I am so sad that I ended up having to get a new car. So, I had to take out an auto loan to get my new car and that was $9500. That put me at owing my bank $17,000! Yes, all to my bank. I cried a lot because I was like on top of loans, how am I going to swing this?

This is how I got in debt, not by careless spending (that’s how I stayed in debt and still am), but by unforeseen events. I couldn’t help any of my situations. Stay tuned for the next Financial Friday post to see how I now only owe my bank $10k and my loans are now $21k, and how I am paying some of my debts down.

xoxo,

Simply Moniqua

Financial Advice

Financial Friday

DISCLAIMER: I AM NOT A FINANCIAL COACH OR CONSULTANT

In the past month or so, I stumbled upon a guy on Periscope named Shanaan Dawda. He is a financial coach and I have heard several different financial coaches but his scopes caught my attention. For starters, he’s only two years older than me and he has paid off all of his student loans. That’s unheard of for people my age! I mean, it really is. The average millennial has $29,000 in student loans (I have $21,000) and many of us are living paycheck to paycheck. We are barely making ends meet and it’s really hard when you have a four year degree and don’t have a job to pay for it.

Anyway, listening to his scopes are so inspiring and they give me so much hope. I even bought his book, From Paychecks to Power and I have been reading it continuously. I have not finished it because at a certain point it talks about after you get out of debt and I want to wait until I am completely debt free to finish.

He talks about his financial blunders and being scammed, he even had his identity stolen. He talks about a typical college student trying to make money the fastest way possible. He then explains about his parents being in debt and how he doesn’t want to end up like them.

The best thing about this book that has helped me is he financial plan. He talks about finances in his scopes and he really breaks it down. He spills all the tea and that is really what many people, young and old, need to hear. I wish there was a curriculum like this in high school to really explain to us the damage of credit cards and student loans.

He even talks about how he has a credit score of zero because he doesn’t borrow. If you can’t pay cash for it, then you don’t need to buy it. He gives so much insight, and he is a CPA, so he knows what he’s talking about. He paid off over $26,000 in just 11 months and that is admirable. Granted I don’t make nearly as much money as he was making when he was making these financial gains, but I am on a get out of debt plan that is in his book.

I won’t go into detail about the book, but he tells a lot of secrets in the book and on his scopes that many of us believe the opposite from what we are told by money hungry banks and sales people. I can say that if I get a teaching position that I will be able to pay off my debts by this time next year. All my debts paid before I’m 30??? I mean how good will that be? Then I can do whatever I want.

I have made a vow to myself to never get another credit card or loan as long as I live. If I cannot outright pay for it, that means my behind does not need it. We always tend to buy things we don’t need, nor can we afford. We need to stop it, immediately. Have you ever thought about how our country is in debt and 76% of us are living paycheck to paycheck because we are in debt?

We buy things that we can’t afford to impress people that we don’t even like and/or who don’t even care. Let’s be honest, we care way too much about what other people think and about showing others up. If you can’t put a significant down payment on a house, don’t buy it. If you can’t pay cash for a car, don’t buy it. I want a tiny house, something small, moveable and costs less than college tuition.

In America, we seriously have some unrealistic goals and expectations. We are more about what we can show people than what we can afford. We would rather be in debt than to have someone have more than us. We put more value in stuff than our finances. It’s really sad.

Set some short term financial goals and I will see you guys next Friday with the first task!

xoxo,

Simply Moniqua