Category: Finances

I’d Rather Talk About My Sex Life

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It’s not every day that I talk about my sex life. I’m a pretty private person. In spite of that, there is one thing that makes me more uncomfortable than sharing what I do in the bedroom.

What’s that thing, you ask?

My salary.

When my friends were kissing and telling, I’d stay quiet. I love watching shows like Girls and Insecure that depict carefree relationships among friends who share everything, including the intimate details of their relationships. But for me, questions like, “How was your first sex?” feel invasive.Read More »

The Greatest Lie Millennials Believe

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Welcome to S&T’s #TBT! This week’s post is an official throwback post from 2015. I’m considering whether to re-release old posts on the blog every first Thursday of the month. Let me know your thoughts in the comments section! 

I remember when I found out that Santa Claus wasn’t real. I thought to myself:

Now, why would I ever believe that an oversized man in a big red suit fit down a narrow chimney with Christmas? How exactly did he fit? How could one man fly 24,901 miles in 24 hours around the world delivering gifts to 9 billion children? And how did he travel on an object intended for snow? Could he have at least rented a private jet?

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But I did. And if you’re honest, you did too.

In fact, we’ve all believed menarche at some point in our lives. I hate to be the bearer of bad news, but we millennials have endorsed yet another lie.

We believe that if we follow our passion, then the money will come. Money’s not important as living our dream life.

Now, I’m not saying that money is everything, but to the person who invented this quote, have you ever not had any money?

Have you ever been broke? Now, I’m not talking the Awww-man-I-can’t-afford-to-eat-at-a-five-star-restaurant-broke, I’m talking the I-don’t-have-money-to-eat broke. I’m talking the should-I-pay-rent-or-should-I-buy-my-children-food broke.

I’m talking the I-can’t-attend-your-birthday-party-because-I-have-$10-in-my-account-and-can’t-even-afford-to-pay-for-gas-to-get-there broke.

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I’m talking BROKE without the “K” or the “E.” You’re so broke, you’re BRO. Can’t even afford the last two letters of the word.

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5 Things I Learned About Achieving Financial Prosperity

Scribbles and Tostitos3 Comments

wealth-06In my post entitled, The Greatest Lie Millenials Believe, I emphasized how important money is. I emphasize that it takes precedence when pursuing our goals. Life circumstances has also taught me that it is more important to manage funds wisely than it is to make a lot of money. For, if you make $56,000 per year, but spend $35,000 per year, you are much better off than someone who makes $500,000 per year, but spends $510,000 per year. Saving and managing funds wisely is key. Read More »

Honesty Ain’t The Best Policy

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crossingfingersThey say honesty is the best policy. I suppose that’s true when it comes to things like, telling your friend that the outfit she’s wearing does not look good on her. It’s true when your boyfriend says something that hurts your feelings and you have to confront him about it. It’s true when taking an exam and you decide to share your own responses and not your classmates. In such cases, yes, honesty is the best policy.

But when it comes to all things concerning finances, honesty is not the best policy. There’s no need to be honest about your finances. No one wants to know when you’re dealing with a severe financial hardship. That’s none of their business anyway. If you cannot attend an event due to finances, simply lie and say, I have other plans. You’ll have a way better outcome them disclosing the fact that your car payment is due on the 3rd and you won’t get paid again until the 15th and since their event falls on the 10th, you won’t have any money. Ain’t nobody got time for that. Saying “I have other plans” shuts the door and gives no room for follow-up questions.Read More »

If It Don’t Make Money, It Don’t Make Cents: My Journey To Financial Freedom

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financial freedomThe American education system has not done its due diligence in making sure students are savvy in all things concerning finances. In grade school, I do not remember taking a class on interest rates, credit cards, investment portfolios and other financial concepts. It is no wonder many millennial are in over their head in educational debt; many people purchase homes they cannot afford; and America’s debt amount is larger than any other nation’s. The reality is Americans are not the most frugal with money.

I am no different. In fact, circumstances have forced me to take a long, hard, look at the way I manage my finances and I must say things need to change. My educational debt needs to change. My credit card debt needs to change. My investment portfolio needs to change. My everyday habits need to change. But, most of all I need to change.Read More »