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Are you thinking of refinancing your car, girlfriend? While there are definitely pros to refinancing, it's also essential to consider the cons. So let's review the basics: 
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What I love about music is that it's a universal language. It moves the soul. When I was little, I used to put on whole concerts in front of my mirror for my audience of stuffed animals - and they loved it. I've always been an entertainer, so what better way to teach financial literacy than by mixing it with music. So without further ado, I'm introducing my 1st Girlfriend's, Budget remixed single, "This is called Budgeting!" Enjoy! Hey girl, hey! How many times have you upgraded to the newest technology device, and left the old device just thrown in the nearest drawer - only to find it months later, covered in dust or lost amongst a mound of clutter? Did you know that instead of just letting old technology devices like cell phones, tablets, or game consoles die in the land of unwanted tech gadgets, you can actually make cold hard cash, girlfriend? I’m talkin’ easy money, and at Girlfriend’s, Budget… you know we’re all about those coins! So today I’d like to share a little gem with you that can have you making effortless cash in no time. Are you ready for this? Let’s chat!  Hey girl, hey! Do you find yourself in a never ending cycle of living paycheck-to-paycheck with no savings to show for it? Studies show that most people actually aren't broke, the real problem is just mismanaging funds - meaning we pay for the things we want, instead prioritizing what we need to help create a better financial future for ourselves. So today, I'd like to give you 5 expenses you can cut out or cut back from your budget to help you free up some coins right now! Let's chat!  Hey girl, hey! Have you ever been to Portland, Oregon?! I actually had the pleasure of experiencing my first time in P-town this Spring, buuut if I”m gonna keep it real, I’ll have to be honest… initially I wasn’t all that excited about going. “What the ‘f’ is in Portland?”, I asked my friends as we were narrowing down our last few choices on where our next trip should be. You see… the point of this whole trip was to land on a destination that none of us had been to before, and with our crew… that could be a bit of a challenging task.  Hey girl, hey! If you’ve been hanging out with me for a while, you’ll know that we often talk about saving those coins, cutting back on expenses, and tackling that debt…. but today we’re gonna switch it up and talk about the part of budgeting that most people love… SPENDING! I know, I know...weird coming from me, right? Keep reading!  Hey girl, hey! According to a finance article on CNBC, the average American family is spending around $3,000 a year just on eating out alone. This same article also goes on to mention a story about how in 2016, one couple reviewed their credit card statements only to discover that they had spent $30,000 on eating out in one sole year (that’s nuts!). However... with the conveniences of fast food and restaurant chains popping up all over the place, it’s way easy for one to both overeat and overspend. But for the sake of your budget girlfriend… EAT IN!  Hey girl, hey! Love is in the air as Cupid’s little pampered butt shoots his arrows into the hearts of couples all over the country. But here’s the thing… did you know that according to a study done by The Knot, the average couple is spending over $33,000 on their wedding! Thirty-three. Thousand. Dollars, girlfriend! That’s equivalent to what some people earn for an entire year! I mean, you could also pay off a whole baby Benz with that amount of money. It’s a lot. It’s cray. But people are actually spending this kind of money, all the time, on an event that only last a couple of hours... when really the focus should be on what comes after the wedding, because isn’t that what’s most important?  Hey girl, hey! Any Erykah Badu fans in the house? I ask only because I was totally feelin’ her vibe during this photoshoot. Like seriously, I put on a whole Badu concert in my head… and it was fabulous (lol)! But I digress… Let’s talk fashion, girlfriends! Hey girl, hey! As we grow older, we sometimes learn the hard way that life doesn't always run so smoothly. It has peaks and valley's, and it doesn’t always move forward in the way that we hope. But the crazy thing is, most of us don’t even think about the financial curve balls life can throw our way. And it’s also why most of us don’t think about opening and maintaining an emergency savings account.  |
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