{Financial Cents} How Meeting Your “Spending Self” Saves You Money

She Makes CentsJournals are great for the soul, and even better to read on down the line. They are crucial in understanding the person that you are, and the person that you are becoming. The same applies for finances. If you like buying expensive perfume when you are fighting with your boyfriend, then you must write about it vehemently, and display it in a way that will show you just how much it affects you. This way, you can align your emotional extremities up with your financial extremities, and come up with a combative plan to avoid unnecessary losses. Today I bought my first money journal, and I can’t wait to write in it daily recording…everything!
I want to show you how you can use a money journal to introduce YOU to what I like to call your “spending self.” If used properly, your journal will educate you on what motivates you to spend. It affords you the opportunity to identify your spending triggers and in turn show you ways to cut back on spending and save more money. Doesn’t that sound wonderful?

Purchase your Money Journal: This step is completely up to you. I went to Target and purchased a small MEAD spiral for a buck 50. You may be an “app” girl, or you may choose to get one of the mini composition notebooks. Either way, this is entirely your choice. However, I wouldn’t recommend spending a boatload on something that will be conserving you money!

Document your daily spending: This is the one of the most imperative parts of possessing a money journal. You absolutely must write down every single dime that you spend, and more importantly, why you spend it. This is because many women are prone to impulsive and emotional spending. This kind of spending can get very ugly, very fast. Document your spending with the intent to really understand your precise reasons for spending.

After a month, assess your records: Why do you spend?  The path to financial freedom begins once you identify the crux of your spending and how you can cut these costs. Your goal is to gain control of yourself, your impulses, and ultimately your finances. You can do this by adequately documenting and assessing the money you spend and why you spend it. After assessing your pattern, decide on your plan of action, and how you will ensure that casual expenditures do not continue to occur.

Establish and make changes accordingly: You have documented your spending for at least a month, and you realize that when you feel down, you often buy expensive jewelry. However, you have noticed that in a month you have a ton of jewelry that you do not even wear! You also notice that you are in a financial crunch and you savings are dwindling! This is an apparent problem that you must combat as the owner of a money journal.

Wash, Rinse, and Repeat: Every month, you should gain new information in your inventory that is going to show you weak areas in your spending habits. You must take action, and actively participate in implementing the tactics that will enforce financial competency. Take control of your finances; you can do it! The moment you see how much you can save, you will be so proud.

Have You Met Your Spending Self?

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Fashion Cents} Brand Loyalty or Brand Validation?

love-chanel1

Danielle and I have discussed how the psychological obsession with expensive products and luxury labels can lead to financial trouble. While setting up shop for the most relaxed SMC meeting ever, we discussed our favorite brands. Danielle likes O.P.I. nail polish and has a shoe game that would blow you away. I, however, have recently recovered from a serious infatuation with True Religion brand jeans and the both of these are pricey for the types of products they are. Sometimes within one’s own living circumstances, it makes no sense to step out of one’s’ budget for the sake of feeling validated by a brand. So why do so many people do it? Which has more value, brand loyalty or brand validation?

Let’s begin the conversation by defining these terms. Brand Loyalty is your devotion to a particular brand because of its proven usefulness. This is a tried and true product or brand that has won you, the customer, over for its merit or quality. (THINK: I’m loyal to Charmin tissue because of its thickness.) Brand validation, as its name suggests, is when a product’s mere reputation trumps the importance of its merit; thus fueling one’s desire for the label more so than the product. Yep, we let a brand validate us without proving itself worthy of its cost.

Brand names and their reputations are impossible to evade. Because of this, it is almost too easy to get lost in a particular brand so much so, that we allow it to eat out our pockets. The place where both brand obsession and financial logic intersect is where I am in my journey to financial freedom….SMC too, since she has repeatedly admitted that Chanel makes her feel pretty. In no way am I discouraging splurging for yourself or investing in expensive products that will hold you down in the long run. I, for one, own expensive jeans that have lasted years. When operating on a budget, though, it is imperative to think critically about the items you choose to spend your money on, and why. Are you loyal to your brands because they actually fulfill their purpose, or are your brands validating you while nipping away at your money? Granted, there is no cookie cutter way to address the issue of our obsessions with luxury brands. However, acknowledgment of this issue is a surefire way to begin searching for smarter ways to shop for the things you love…while staying within a budget, of course:)

Have you ever allowed a brand names to validate your purchase?  

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How to Save Broken Lipstick

SMC Tip: My Broken Lipstick

how to save broken lipstick

Just the other day, I broke one of my favorite Mac creamsheen lipsticks. It basically overheated in my car so it’s of no good use now in its regular container. However, today I want to show you how to turn your old broken lipstick into a new, creamy lip color in just three easy steps. Take a look at the pictorial below for more insight:

What you need:

  1. Your Broken Lipstick
  2. Empty Gloss Container
  3. Vaseline
  4. Stirring device (spoon, coffee stirrer)

Step 1: Remove lipstick

Empty all of the lipstick debris. Be sure to get it all so that you don’t waste any product.

fall makeup trends

Step 2: Place in Container

Place the lipstick pieces into a small container.


Step 3: Mix Vaseline

Add in as little or as much Vaseline or that you’d like to create a consistency that you’d like, and stir with a plastic spoon.


Step 4: Enjoy your lipstick

Voila!

To make a GLOSSY consistency:

  1. After step one, place the lipstick and Vaseline on a spoon.
  2. By placing a lighter or flame below the spoon, heat until the lipstick and Vaseline begin to melt together.
  3. Place the mixture into the container.


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5 Benefits of Thrifting

THE POWER OF THRIFTING

Thrifting is not only a great way to save money, but it also provides you with the opportunity to attain rare pieces that set your wardrobe apart from the next person. Aside from creative pieces, thrifting is comparable to diving in a fashion time machine, if you will. I say this because when thrifting, you get to see how trends have changed and how our clothing has not only evolved, but also repeated itself.

Thrifting is great for…

  1. Broke College Students (that would be me).
  2. Costume + Performance attire.
  3. Home Décor
  4. Passing the time without breaking the bank
  5. Gag Gift Shopping

TOP THREE trends I’m seeing in thrift shops now that are trendy even today!

  1. High-waist denim shorts
  2. Patterned Tops
  3. Boyfriend Blazers

A few TOP thrift shopping destinations in the greater Atlanta area:

  1. Rag-O-Rama
  2. Goodwill
  3. Psycho Sisters
  4. Plato’s Closet

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3 Easy Hair Styles to Save Your Hair and Money

Saving Money + Healthy Hair = Awesome Pair

So there’s a new way to save money: Protective Styling! What are protective styles, you might ask? Protective styles are styles done on your hair (whether relaxed or natural), that encourage growth by using little to no heat, keeping moisture on the ends of your hair, and limiting the wear and tear on your hair. Here are a few on my personal favorites I decided to share with She Makes Cents! The benefit of these styles is that they require little to no money because you can do them yourself and with very little product!

The BUN:

Natural Hair Bun

Celebrity Hair styles

There’s an awesome
post and video over that I posted to Ruby Woo Blog (check it out here) on bunning. However, you can never go wrong with an elegant bun. It’s chic and cute, and allows you to show off your baddest set of earrings. Buns also completely hide the ends of your hair so that they can stay moisturized and avoid brushing against your hair all day. Buns can be styled on both wet and dry hair.

The BRAID + TWIST OUT:

Braid-outs and Twist-Outs can actually yield a lot of different looks. This style can be done on wet or dry hair, and basically you braid or two strand twist your hair in the direction youwish it to flow, and once you let it completely dry, you take them down for a very uniform curly look. Be careful, however, the key here is allowing your hair to completely dry. If you don’t, the curlier your hair is, the less defined it will look.

African American Hair

DREAD LOCKS:

So, this is actually a permanent style unless you intend on cutting them off. However, as per an article I read at K is for Kinky, you can reach optimum growth as far as length with your hair locked.

WASH AND GOs:


Wash and go’s are self explanatory. Well, kind of. What you do it wash your hair as usual, and then you proceed to apply your favorite leave in conditioner throughout your strands, or you can use no product. Anyway, after you’re done you’re good and ready to go!

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