Negative Job Growth for the Millennials….

I can’t say that I agree with HOW the information is presented.  “The Best Generation Ever” statement is one that leaves quite a few to disagree. I always hear people talking about how this generation is so different…and they don’t mean it in a good way.  While some may consider the Millenials the “Best Generation Ever” others are also quick to add that there seems to be disconnect between the work ethic of previous generations and the habits and work product of this 21st century generation.  Advances in technology make almost everything easier which only fuels proponents to the idea of the new “lazy generation” point. What I did find interesting is that this study found the job growth for millennials is in the negative percentile.  Pinned Image

Talk to me! What do you think?

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{Happy Birthday} She Makes Cents Turns One!!!

Happy Birthday SMC!!!!

she makes cents has hit the one-year mark.  Congrats to all of my fabulous followers for joining me on my journey to being financially free and fabulous.  To celebrate, we are proud to announce that we are now:

shemakescents.com



XOXO,
Danielle & Denia

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High-Low: Starbucks Hack!

I think this will be me and Denia’s next project… pictures to follow.

This looks so awesome! Kerry from Squawk Fox provides a step by step that looks so delicious. Think is will taste as good as the original? For $.32, it is worth investigating from the She Makes Cents team. We will let you know how it turns out. In the meantime, check out the post here!!!

What do you think? Fab, right?

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inform and inspire ways to use your “cents” to live a fab life

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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denia@rubywooblog.com

How the Debt Deal Affects You, Your Future, & Your Money


President Barack Obama is scheduled to speak on the debt deal today at 12:15 pm. While people are spending quality time giving their opinions on what was decided and placing blame, I would rather take this time to explain exactly how some of the decisions will directly affect YOU! To be honest, I haven’t been following the “debt ceiling crisis” of 2011 because it quickly became childish with Twitter wars and the blame game. One thing I know for sure is that undergrads and postgraduate students will be hit hard. As a means to recover funds to keep the nation from further defaulting on their loans, the government has decided to end subsidized loans for graduate students. Subsidized loans are loans that do not accrue interest as long as you are still in school. Traditionally, you would begin to pay the loan with interest back 6 months after you get your degree. Now, graduate students will have to start paying on their loans while in school. CNN Money adds, “Under the agreement, a special credit for all students who make 12 months of on-time loan payments would also be axed.”

What about the undergrads?

I remember a time when I thought that you go to high school and get good grades so that you will get into a great college. You then go to a great college and continue to get good grades so that you will graduate, get a great job or continue for your Masters, JD, or Med School. Like magic, I thought this was the automatic path for good students. It wasn’t until I graduated from Spelman that I realized exactly how poor the economy was. I also learned during that time that my competition in the work field and for graduate school was not only recent grads, but also older adults who have been in working and building their resume’s for years. That was my first major adult reality check.

What about the undergrads looking for entry to graduate school? Or even people like me looking to go back to school to get another degree. As I see it, education is getting more expensive and unfortunately, students who would benefit from expounding their knowledge in their intended field are forced to place economics over education. Does it make you feel better to know that the cuts are expected to save the government $21.6 billion (with a B) over the next ten years….?

What do you think?

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Vamp Up Your Home on A Budget!

I believe that one’s home should be a reflection of one’s personality. It should be a place that you want to come home to, hang out in, and entertain in. A friend of mine from high school gave me one of the greatest design compliments when he told me that my house was so me. So how do we help make your house more you? Here are some of my suggestions…

  1. Know when to splurge and when to save. I discussed this regarding fashion in an earlier post, but the same advice rings true here. Splurge on the bones of the room: like your sofa, bed, closet systems, and chairs (Disclaimer: I have a serious addiction to chairs. I have three in my bedroom alone). Save on the fun things like trendy throw pillows and other decorative accessories.


  1. Have a Signature Scent. I believe a woman should never leave the house without a scent. I find it very feminine, alluring, and sexy to do so. The same goes for your home. Find a candle, air wick, or incense to fill your home with a scent that you love.

  2. Make Every Inch Count. Most people opt out of using their vertical space. Find storage solutions that make the most of your space.


  3. Make and Break Your Own Rules. Just because the floor plan labels a room something doesn’t mean that’s how you have to keep it. In a house I was doing, I moved a closet to another bedroom and put the home office into the closet. Most people would make their extra bedroom into an office. However, I thought it would be a better use of space to move the home office into the closet because it was just a desk, chair, and storage. Whereas one’s closet consist of clothes for all seasons and occasions, accessories, shoes, large mirror, etc. times two if your share your closet with your significant other. Why try to stuff all of your clothes and accessories into a standard walk in closet when you can take an entire bedroom?

  4. Don’t be afraid to display what you love. My sister has her collectors Barbie dolls on display in her house. I have ballet figurines and pictures of people I love displayed in various places in my house. It is all about what you love.
    Photo Credit: Danielle Boler “Ballet”

    Photo Credit: Danielle Boler “People I Love”
  5. Don’t be afraid to color outside of the lines. I have wanted to paint a wall black since I was about 16 years old. When I finally got my place, I had no one telling me that I couldn’t do it. People said that it would make the room feel smaller, creepy, and a little goth, but I thought it I could make it fun or sophisticated. My BFFSLFG (Best Friend Forever Since Like First Grade) suggested that I use chalkboard paint so that people could write on the wall. BEST ADVICE EVER!!! People love coming over and writing little notes and I love discovering new messages on the wall.
    Photo Credit: Danielle Boler “My Wall”

  6. Only buy what you love. If you like chandeliers, bling it out! I saw a big giraffe while shopping with my mentee Dana and thought, who would put this in their house. Then I saw something similar in a friend’s house and thought, wow…that looks awesome. I like nail trimmed furniture and almost anything tufted. In my opinion, those are two very classic design features that can go in a traditional, eclectic, or gender neutral room. Buying what you love will also help keep your wallet fatter, as you will see in the next point.
    Dana & the Giraffe

  7. Shop Within Your House. Instead of buying new things to redecorate when you are bored with your space, shop within your own stuff. Tired of seeing those same throw pillows on your sofa, put them in a bedroom for a new punch of color or print. I have justified my chair addiction to some of my family members by explaining that when I am tired of my fuchsia chairs in my living room, I will just move them to the guest room. Viola, your rooms will look totally different without you having to spend any extra cash.
  8. Stop Saving. No, I don’t mean stop saving money. Stop saving things for a special moment. Make ordinary moments special. I was reading a memoir by Gretchen Rubin called The Happiness Project and she discussed how she wanted to stop saving the good china for special occasions because it never got used. It made me think of my mother, who is always saving something and never using it. A few years ago, I gave my mother a beautiful jewelry box and yet she still puts her jewelry in some Popsicle stick creation I made when I was 7 years old- all because she is saving the nicer box for when she can organize and update the pieces she already owns. I stopped saving the good stuff and I am enjoying the good life.
  9. Know when to shop. Everyone has their own special style and taste, but how do you find items in your budget. To get exactly what you want on your budget takes time and patience. I wanted a button tufted headboard  or a nice floor lamp for my bedroom but I was not willing to play an arm and a leg for it. So, I did my research and waited until a holiday to make my big purchase. Holidays are always a good time to shop because you can usually find a discount on the item or free shipping.
    Inspiration for my bed
    My Tufted Headboard

    BONUS

Don’t be afraid to go outside of your comfort zone. Venture outside of the traditional big furniture chain stores. You don’t want someone walking in your house and say, oh wow, we have that too. Try Overstock.com (my fav). The prices are reasonable but you will not beat their shipping fees anywhere. HomeGoods is another favorite. I have become such a regular in there that I even know the days they get a new truck in…lol. HomeGoods is the place that has fostered my chair addiction, by the way. Craigslist is another good option, just remember that the same rules for safe shopping for Craigslist cars applies here. Check out the safety reminders, here. Lastly, antique markets. It sounds old and lame and something a fab twenty something like myself would not be into, but I have found some really cool stuff in vintage and antique markets. #imjustsaying

 

 

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