November 5, 2019

A phrase that I often heard while growing up is, “Take the meat, and leave the bones.”  In essence, the phrase means that you should take what is valuable or applicable to you and leave behind what is of no use.  Chances are that if you read a personal finance article, the article will not be customized to every nuance of your specific financial circumstance.  If you expect it to be, it is likely that your expectation will not...

November 1, 2019

I burst into laughter when I came across this post on Instagram - “I paid all my bills for this month. Does anyone have some good recipes with water?”

We’ve all been there before. Your job giveth, and your bills taketh away.  There are two common causes of this predicament. Either your bills are higher than your income, or you spend before considering your bills for the month.  In this post we will tackle the issue of spending...

October 17, 2019

What do you do once you gain knowledge? Oftentimes, especially when it comes to money management, people cite a lack of knowledge as the reason for not saving, for bank overdrafts, not paying credit card bills on time, not contributing to their 401k plan, etc. While it may be true that you didn’t save because you weren’t taught that you should, that you got an overdraft because you thought the bank wouldn’t let you keep spendi...

October 15, 2019

A Letter to My 18 Year Old Self About Finances

Dear Princess-Zenita,

You have just graduated from high school, congratulations! You’ve put in a lot of hard work and tireless effort to get to where you are. However, this next chapter of your life is called adulthood.

Please enjoy and do not take for granted, I beg of you, your free healthcare, free home cooked meals, and the non-existent bills you have. This upcoming summer is th...

October 9, 2019

I grew up in a household with five other people.  I shared a room with my parents until I was nine years old and then shared a room with my sister until I left for college at the age of 17.  In college, I had a roommate for all four years.  Needless to say, I always looked forward to the day when I could have a space that belonged to me and me alone. 

As soon as I graduated from college, I immediately starting l...

October 3, 2019

Imposter Syndrome. 

It’s an issue that plagues countless people, no matter the race, gender, or socio-economic status. However, no one talks about the particular kind of imposter syndrome that I, and many other black women face. I have spent innumerable hours overthinking all of the ways in which I wasn’t good enough; refused to raise my hand in class because I didn’t want to get the answer wrong and then be labeled “The u...

October 1, 2019

As I go through the process of shopping for my first home, the importance of a good credit score is on the forefront of my mind. I got my first credit card when I was 18 years old. Don’t worry, I didn’t use it to book a flight for spring break or some other activity that a college student lives to regret.

I was terrified to own a credit card because no one I knew personally had one.  The only thing that I had heard about credit...

August 27, 2019

Black Women’s Equal Pay Day has come and gone, being observed on August 22nd as symbolic of the amount of extra time black female professionals would have to work to earn an annual salary equivalent to that of their white male counterparts. Though we discuss hypergamy and choosing “up” within the DDS camp quite a bit, it is still important to recognize the pitfalls of unfairness that await black and brown skinned women in this...

August 21, 2019

I know that I first heard the phrase, “Stay in your lane,” spoken by comedian Kevin Hart years ago. He was making a joke about keeping company with other celebrities that were within his income bracket, after having put out lots of money trying to keep up with people who were making much more than him at the time. Kevin’s joke was made in the spirit of keepin’ up with the Joneses, but what’s ironic is that in the business sens...

August 19, 2019

“Sit up straight! Get the hump out of your back”, my granny would say to me whenever she saw me sitting at the dining table exhibiting poor posture. It’s funny how those small life lessons, which once seemed like unnecessary scolding come back to us as useful pieces of information during adulthood. I can recall being sent to the nurse’s office in pairs during 7th grade P.E. to be checked for scoliosis, caused by genetic factor...

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