5 Trips Every Girl Should Take This Year!

Travel the only thing you can spend money on that will make you richer.  So how do you travel when money is tight?  Before getting married, I had a money envelope where I would set aside $50.00-$100.00 per check specifically for travel goals.  I started the habit when the Mr. decided he wanted to celebrate his 30th birthday in Germany. Saving for that trip got me into the habit of making travel a priority.  Germany was actually our first time traveling together….EVER.  We stayed there a few days and then road tripped our way to Prague, in the Czech Republic with his best friends where we rang in his 30th birthday!  Wow, that seems like so long ago.  After that, I kept saving so that when it was time for another trip, I already had money saved.  When we got married, I stopped saving for travel and put that money toward saving for a wedding.  I guess I never picked back up the habit of saving for travel.  That ends now!

The goal is to travel not to escape life, but for life not to escape us.  According to a survey from by the U.S. Travel Association’s Project Time Off, 55% of Americans did not take all of their vacation days leaving approximately 658 million unused vacation days on the table.  Taking time for yourself is a very important form of self-care which is why I have created this list of vacation ideas that every millennial woman should strive to take this year.  As you sit in cubicle nation or look out of your office window and picture yourself on a sandy beach with a frose’ in hand, just think that this can all be a reality.  Even you don’t get a lot of vacation time (raise your hand if you have been there) you can monopolize on 3 day holiday weekends to make your days stretch.

The Girl’s Trip

The Road Trip

The Couple’s Trip

The Solo Trip

The Staycation

How Lifestyle Inflation Is Keeping You From Getting Rich

lifestyle-inflation

Rapper Notorious B.I.G. wasn’t lying when he said “mo money, mo problems”.  That because of something called Lifestyle Inflation where your “lifestyle” needs increase as your income increases; thus, keeping you in the same financial situation.  This reality creeps up when people have debt, don’t save, don’t invest.  They don’t keep up with the Joneses, they are the Joneses.  By no means do I believe that one doesn’t deserve nice things.  In fact, I believe no one should have to sacrifice a quality lifestyle because of lack of resources.   A quality lifestyle comes at a price but let’s try to not dig ourselves into a money pit to experience the finer things in life.

CONFESSION OF A  LIFESTYLE INFLATING MILLENNIAL

I remember being at my job out of college and making around an entry level salary. I owned my car outright, had my student loans paid a year in advance, and was on my way to buying my first house. Back then, you couldn’t tell me I wasn’t living a rich life. I wasn’t rich from a financial standpoint but it was the first time where I was “adulting” and was able to fund my lifestyle by myself.  This was a big deal considering a year and a half before that, I was a senior at Spelman College eating pizza at 1:00 am while pulling all-nighters.   As time passed, income changed, and lifestyle needs matured, I found myself “needing” more.  I had to get another car after mine was totaled in an accident but I couldn’t bear the idea of not driving a luxury German car (thanks Dad for that addiction).  I spent money on home decor so I could have a  “magazine ready” home.  I upgraded my wardrobe.  I was making a little money and working with people whose hourly rate was a luxury car note.  I wanted to show my family and friends that I had it all together….that I belonged in my new life.  That all changed when I left a promising career in one field to follow other dreams for another field.  It was in the transition that I started to place a serious effort in saving money and making smarter financial moves.  I had to.  It was my new reality, we were in a recession, and I was no longer constantly surrounded by the Joneses.  I took the time to invest in my own financial literacy so I could better understand how to stretch my money.  This was also around the time she makes cents was born.

BALLIN’ & BROKE

As you vibrate higher so will your expectations of people, experiences,  and things around you. The good thing is there are ways around lifestyle inflation where you can enhance your life without feeling broke. Lifestyle inflation keeps you in a constant state of financial paralysis because your need for “things” is keeping pace with your increasing lifestyle.  That’s how a millennial couple with no kids can feel financially stretched in a $100,000+ income household. Stay tuned as we dive deeper into the topics of lifestyle inflating from a millennial perspective and explore opportunities to elevate your life without the elevated price tag.shemakescents-com-1