
Personally, I don't know any billionaires. Do you? (I know, right?) So, since our monthly—or if we're lucky, bi-weekly—paychecks seem to come and go so freakin' quickly, I'm assuming that it's a fairly safe assumption that we're all trying to figure out how to make our money stretch. And voila—here it is. While there are probably a million times 10 ways for you to save money, I put together 10 hacks that are pretty easy to implement and can definitely help your bank account from going into overdraft.
Are you ready to save some extra dollars for a rainy day—or, at the very least, not go into (further) debt?
1. Set Long-Term Goals
I'm someone who grew up going to yard sales and thrift stores. It wasn't because we couldn't afford to buy the "new-new ish", it was that my mom enjoyed finding rare items at a good price. The influence definitely rubbed off on me, so I tend to lean towards the same kind of shopping experiences. The challenge is, when you already know that you're getting a great deal, you can find yourself buying so much stuff that you don't really need, which ultimately still means that you could be destroying your budget. Something that helped me to break this habit was to set long-term goals. For instance, rather than getting 15 outfits from a thrift store or 20 tees on Etsy (Etsy has some dope black culture stuff), I would tell myself that I'd rather remodel my living room or save up for a plane ticket to see my godchildren.
Setting long-term goals is a great way to encourage yourself to be a responsible spender while also preventing you from spending money, that you don't really need to, on all sorts of —let's be real, shall we?—randomness.
2. Eat Out Less
Did you know that the average American spends a whopping $3,000 a year, just on eating out? Geeze. Matter of fact, I've got a friend whose accountant scolds him on the regular. Why? It's because he easily spends double that amount because he never (ever) cooks at home. As someone who enjoys preparing my own meals and also going to restaurants, I can vouch for the fact that when I choose to only eat out 3-4 times a month (max), my expenses drop significantly. So, if you're looking for a way to keep an extra $250 a month in your pocket (because 3,000 divided by 12 is $250), eat at home sometimes. It's cost-effective and actually much healthier for you too (since you know exactly what is going into your food and who is preparing it).
3. Create a Shopping List and Food Calendar
I'm pretty sure you've heard somewhere that you should never go grocery shopping when you are hungry and that would absolutely be correct. When you already want to eat, suddenly everything looks good in just about every aisle. That's one reason why it's always wise to go grocery shopping with an already made out list in tow. Another reason is so you'll actually remember what you need (I can't tell y'all how many times I've bought paper towels over and over…and over again). Along with a list, you know what else can come in handy? A food calendar. If you're not familiar with those, they can help you to plan out your meals for the week, so that you shop based on what the calendar says that you are going to make. This can save you money because, if you like to eat a lot of produce, you won't get more than you actually need; that way, your fresh fruits and veggies won't spoil. As a bonus, a food calendar can save you time while you're in the store (if you're someone who actually hates to grocery shop) too because you'll know exactly what you need, so you can get in and get right out. You can get tips on how to use your Google calendar to implement this lil' hack here.
4. Make Your Place More “Green”
Are you sick and tired of your utility bills being totally off the chain? When's the last time you "green-erized" your home? That's not actually a word, but I made it up because it fits in this instance. Sealing your windows can reduce the drafts that cause you to change the temperature on your thermostat a lot. Getting a low-flow showerhead can help you to use as much as 60 percent less water (whenever you shower) each month. Make sure that your light bulbs are LED ones; not only are they cheaper than incandescent bulbs but many last for as much as 50,000 hours (there are approximately 8760 hours in any given calendar year, so you do the math). Defrost your refrigerator and freezer before around 1/4 inch of ice builds up so that they'll both run more efficiently. Stop opening your oven while you're cooking; every time you do, that causes the stove to drop 25 degrees which results in the oven needing more time to heat up again.
Unplug whatever you aren't actually using; you're wasting around a dollar of electricity for each day you've got something in an outlet that doesn't actually need it (this includes your cell phone. Let it charge up before going to bed and then disconnect it from the charger). The power grid that you're on is probably running at its peak between the hours of 4-6pm. So, try and make it a practice to turn on your dishwasher before turning in at night. It will put less strain on the grid and can actually cool down your house in the process. During the summer, try and keep your thermostat at around 75 degrees (turning on your ceiling fan can drop the temp about four more degrees) and 69 degrees during the winter season; it will save energy costs between 4-6 percent (besides, setting your thermostat lower doesn't make your home cool down any faster). Make sure your thermostat is electronic too; that can easily save you between 10-30 percent on your energy bills. Replace your HVAC filter every 90 days, without fail. That will keep it from working harder than it needs to.
5. Ditch Your Cable (Watch the Streaming Services Too)
I'm an ambivert. So yeah, I've got cable in my home (if you're an ambivert or introvert, I'm pretty sure you're able to connect the dots). That doesn't mean that I don't have a conversation with myself, shoot, at least once a month, when I'm like, "Girl, you could save so much money if you let this cable go." My package is around $150 a month, and a part of what comes in that package, I don't even use, so that soft inner voice is spot-on. I'm honestly just lazy when it comes to switching over to loading all of the streaming packages vs. using a remote control. Plus, there are some Black cable stations that I dig. But the thorn in my side has absolutely nothing to do with y'all. $150 times 12 is $1,800. That's a nice chunk of change. So, if you want to put a down payment on a car or something, disconnecting your cable can definitely put you onto the path.
Oh, and watch out for the streaming services too. Yes, Netflix is (currently) between $13-15 a month, Hulu is (currently) between $6-12 a month and UMC is (currently) $50 a year—but if you've got all of these (and more), you're still spending a small mint. Choose wisely.
6. Bundle Your Insurance Polices
Insurance companies. Y'all, that's a Twitter thread all by itself. But the reality is they are a "necessary evil" and a business—and businesses like to offer deals. Another way to keep a little extra money in your pocket is to bundle your insurance policies. For instance, if you bundle your home and auto insurance packages, you can easily save as much as 16 percent on your overall insurance costs each month. Hmph. I'm thinking that you could probably save even more. It's all about hitting up your insurance company and doing a little negotiating. Most of them are open. If they're not, remember that there are always others who will gladly take your hard earned cash. You can check out some of the best home/car insurance bundles for 2020 here.
7. Always Use Coupons and Promo Codes
Something that I have downloaded on my browser is Honey. Basically, it's an app that, whenever you shop online, it tries to find any savings that might be relevant to it. Matter of fact, it works so well that PayPal purchased it for four billion dollars last fall. If, for some reason, the thought of an app "reading" all of your sites freaks you out (you might wanna get off of Al Gore's internet, for one), then use a site like RetailMeNot to check out the promo codes on there. Over time, I've saved a mint, using both. Oh, and don't forget about downloading coupons from your phone when you're at the grocery and drug store too. You ain't never too young to clip (and scan) coupons. If you'd like a few coupon hacks and tips, the Krazy Coupon Lady totally has your back. Go here to start perusing.
8. Avoid Using Autofill on Your PC
On the heels of what I just stated, let me just put it right on out there and say that I absolutely do not do what I am about to recommend. I think it's because I'm not an online shopaholic. But if you happen to be one, something else that can save you some money over time is to remove the autofill feature on your PC. If you use Gmail, click on the Google apps option on the far right, then click on "account" and "payment & subscriptions" and delete any of the credit or debit cards that you've got there. That way, if something that catches your eye, you won't make an impulsive move whenever the autofill info comes up on the payment screen. You'll actually have to get up and find your cards first, which could prevent you from buying the item in the first place.
9. Implement a 48-Hour Rule
Speaking of removing autofill, how about taking things up a notch and disciplining yourself to not purchase anything online that interests you until you've waited a full 48 hours later? I'm willing to bet that a good 6 times out of 10, you'll come to realize that you don't need or even want it as much as you initially thought that you did. Or, you'll come to the conclusion that you should wait until it makes more financial sense to buy it or until it comes on sale.
10. Put Your “Fun Money” in an Envelope
The definition of the word "tithe" is one-tenth of something. Just like many Christians tithe to their church, I'm a firm believer that you should also tithe to yourself; literally set aside one-tenth of your income that can go strictly to whatever you want to spend it on. But just to make sure that you don't tip over into your money that's set aside for other things, consider pulling that tenth out of your account and putting the cash into an envelope. There is something about seeing cash and breaking bills that can psychologically make us want to be more cautious with our spending. Plus, once that's gone, it's gone until the next payday, which can also keep you from overspending. Be good to your coins, y'all. They are so much better to you when you are.
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Because We Are Still IT, Girl: It Girl 100 Returns
Last year, when our xoNecole team dropped our inaugural It Girl 100 honoree list, the world felt, ahem, a bit brighter.
It was March 2024, and we still had a Black woman as the Vice President of the United States. DEI rollbacks weren’t being tossed around like confetti. And more than 300,000 Black women were still gainfully employed in the workforce.
Though that was just nineteen months ago, things were different. Perhaps the world then felt more receptive to our light as Black women.
At the time, we launched It Girl 100 to spotlight the huge motion we were making as dope, GenZennial Black women leaving our mark on culture. The girls were on the rise, flourishing, drinking their water, minding their business, leading companies, and learning to do it all softly, in rest. We wanted to celebrate that momentum—because we love that for us.
So, we handpicked one hundred It Girls who embody that palpable It Factor moving through us as young Black women, the kind of motion lighting up the world both IRL and across the internet.
It Girl 100 became xoNecole’s most successful program, with the hashtag organically reaching more than forty million impressions on Instagram in just twenty-four hours. Yes, it caught on like wildfire because we celebrated some of the most brilliant and influential GenZennial women of color setting trends and shaping culture. But more than that, it resonated because the women we celebrated felt seen.
Many were already known in their industries for keeping this generation fly and lit, but rarely received recognition or flowers. It Girl 100 became a safe space to be uplifted, and for us as Black women to bask in what felt like an era of our brilliance, beauty, and boundless influence on full display.
And then, almost overnight, it was as if the rug was pulled from under us as Black women, as the It Girls of the world.
Our much-needed, much-deserved season of ease and soft living quickly metamorphosed into a time of self-preservation and survival. Our motion and economic progression seemed strategically slowed, our light under siege.
The air feels heavier now. The headlines colder. Our Black girl magic is being picked apart and politicized for simply existing.
With that climate shift, as we prepare to launch our second annual It Girl 100 honoree list, our team has had to dig deep on the purpose and intention behind this year’s list. Knowing the spirit of It Girl 100 is about motion, sauce, strides, and progression, how do we celebrate amid uncertainty and collective grief when the juice feels like it is being squeezed out of us?
As we wrestled with that question, we were reminded that this tension isn’t new. Black women have always had to find joy in the midst of struggle, to create light even in the darkest corners. We have carried the weight of scrutiny for generations, expected to be strong, to serve, to smile through the sting. But this moment feels different. It feels deeply personal.
We are living at the intersection of liberation and backlash. We are learning to take off our capes, to say no when we are tired, to embrace softness without apology.
And somehow, the world has found new ways to punish us for it.

In lifestyle, women like Kayla Nicole and Ayesha Curry have been ridiculed for daring to choose themselves. Tracee Ellis Ross was labeled bitter for speaking her truth about love. Meghan Markle, still, cannot breathe without critique.
In politics, Kamala Harris, Letitia James, and Jasmine Crockett are dragged through the mud for standing tall in rooms not built for them.
In sports, Angel Reese, Coco Gauff, and Taylor Townsend have been reminded that even excellence will not shield you from racism or judgment.

In business, visionaries like Diarrha N’Diaye-Mbaye and Melissa Butler are fighting to keep their dreams alive in an economy that too often forgets us first.
Even our icons, Beyoncé, Serena, and SZA, have faced criticism simply for evolving beyond the boxes society tried to keep them in.
From everyday women to cultural phenoms, the pattern is the same. Our light is being tested.

And yet, somehow, through it all, we are still showing up as that girl, and that deserves to be celebrated.
Because while the world debates our worth, we keep raising our value. And that proof is all around us.
This year alone, Naomi Osaka returned from motherhood and mental health challenges to reach the semifinals of the US Open. A’ja Wilson claimed another MVP, reminding us that beauty and dominance can coexist. Brandy and Monica are snatching our edges on tour. Kahlana Barfield Brown sold out her new line in the face of a retailer that had been canceled. And Melissa Butler’s company, The Lip Bar, is projecting a forty percent surge in sales.

We are no longer defining strength by how much pain we can endure. We are defining it by the unbreakable light we continue to radiate.
We are the women walking our daily steps and also continuing to run solid businesses. We are growing in love, taking solo trips, laughing until it hurts, raising babies and ideas, drinking our green juice, and praying our peace back into existence.
We are rediscovering the joy of rest and realizing that softness is not weakness, it is strategy.
And through it all, we continue to lift one another. Emma Grede is creating seats at the table. Valeisha Butterfield has started a fund for jobless Black women. Arian Simone is leading in media with fearless conviction. We are pouring into each other in ways the world rarely sees but always feels.

So yes, we are in the midst of societal warfare. Yes, we are being tested. Yes, we are facing economic strain, political targeting, and public scrutiny. But even war cannot dim a light that is divinely ours.
And we are still shining.
And we are still softening.
And we are still creating.
And we are still It.

That is the quiet magic of Black womanhood, our ability to hold both truth and triumph in the same breath, to say yes, and to life’s contradictions.
It is no coincidence that this year, as SheaMoisture embraces the message “Yes, And,” they stand beside us as partners in celebrating this class of It Girls. Because that phrase, those two simple words, capture the very essence of this moment.
Yes, we are tired. And we are still rising.
Yes, we are questioned. And we are the answer.
Yes, we are bruised. And we are still beautiful.

This year’s It Girl 100 is more than a list. It is a love letter to every Black woman who dares to live out loud in a world that would rather she whisper. This year’s class is living proof of “Yes, And,” women who are finding ways to thrive and to heal, to build and to rest, to lead and to love, all at once.
It is proof that our joy is not naive, our success not accidental. It is the reminder that our light has never needed permission.
So without further ado, we celebrate the It Girl 100 Class of 2025–2026.
We celebrate the millions of us who keep doing it with grace, grit, and glory.
Because despite it all, we still shine.
Because we are still her.
Because we are still IT, girl.
Meet all 100 women shaping culture in the It Girl 100 Class of 2025. View the complete list of honorees here.
Featured image by xoStaff
Restlessness. It’s a word that we all know the meaning of, and yet, when you are in your bed and you are actually experiencing restlessness — few things are less annoying. Because if there’s one thing that I’m pretty sure we all can agree on, it’s the fact that when we go to our bedroom, turn off the lights, and snuggle up in our sheets, what we want to do is fall asleep and stay that way — not toss and turn all throughout the night.
So, what causes us to have moments when we’re not experiencing the sound sleep that we so desire? While I wish that I had a black and white answer for you, the reality is that several different factors (sometimes working together) may be the cause. That’s the bad news.
The good news is that if you check out the 10 leading causes below, by process of elimination, you might be able to get to the root of your own restless evenings — so that you can finally get the kind of quality rest that you well deserve.
1. Eating (Too) Late
GiphyLet’s start off with one that has a couple of layers to it. Although it is a good idea to not have a large meal less than two hours before turning in, some experts do say that a light snack that consists of natural melanin, serotonin or tryptophan could be helpful.
The reason why eating too much before bedtime isn’t a good idea is because the digestive process can be a pretty active one. Plus, it increases your chances of experiencing acid reflux and heartburn. On the other hand, snacking on almonds or tart cherries (melatonin), cheese or pumpkin seeds (serotonin) or yogurt or peanut butter (tryptophan) can be just what you need to lull your system to sleep.
Bottom line here: It’s not if you eat but what you eat…and when.
2. Junk Food
GiphySpeaking of foods, if junk food is totally your thing, first check out “Why You Should Consider Leaving Fast Food Alone” — and then at least try avoiding that stuff if you’re heading off to bed. Fried foods are hard to digest. Sugary foods (and carbs) can raise your blood sugar levels. Processed foods contain a lot of salt and salt can raise your blood pressure which can result in sleep disturbances. So, if you’re in the habit of going through a drive-thru at night, here’s a good reason to rethink doing so in the future.
3. Your Bedroom Is Too Hot
GiphyThis one right here, I can absolutely attest to — because when I am hot in a room, I can pretty much kiss sound sleeping goodbye. SMDH. The problem here is that when your body temperature is high, that can mess with your REM (rapid eye movement) sleep. Not only that but, in order for your system to produce the melatonin that it needs to keep you sleeping soundly, your body needs to be at a cooler temperature. And that is why your room sitting at somewhere around 65 degrees is ideal.
4. Your Bedding
GiphyI have a friend who just bought a house and I’m getting him a comforter for a housewarming present. Listen, don’t sleep on the power of amazing bedding because it, too, plays a role in how well you rest. Of course, you need to invest in a good mattress (you can read more about that here and here); however, when it comes to things like your sheets and your comforter, there are a few things to keep in mind.
Your sheets need to be made out of breathable fabrics like cotton, not ones like nylon, polyester or even silk. The reason why is because the latter traps in heat and we’ve already discussed what an elevated body temperature can do to you. Oh, and if you’re someone who enjoys flannel sheets during the fall and winter season, it’s probably better to get some blankets that you can “layer your bed” with instead; flannel can get mighty hot in the midnight hour too.
It’s also important that your sheets aren’t too small or too big for your mattress because that can make your bed feel uncomfortable. And comforter-wise, try and go with a color that doesn’t overstimulate you — neutrals and shades of blues, greens and yellows can accomplish this for you. And P.S., one of the best comforter brands around? Coma Inducer. I’ve been rocking with them for several years at this point and I don’t have not one regret.
5. Java and/or Alcohol
GiphyI’m not much of a coffee drinker (although I do adore coffee ice cream; go figure). I didn’t grow up with it (tea was in abundance in my home) and so it’s not something that I ever really think about. I do have friends who will drink coffee before bedtime, though, and that baffles me because coffee (due to the caffeine that is in it) is a stimulant — and that for that reason alone, you’d be better off having it in the morning instead of at night.
As far as alcohol goes, although it technically it’s a depressant, for the first couple of hours that it is in your system, it acts like a stimulant — which means that it tends to put your system on quite the roller coaster ride; one that you should want to avoid if you’re trying to get a good night’s rest.
My recommendation? Go the tea route and sip on some chamomile, lavender, ginseng, green or passionflower tea. All contain properties that are proven to relax your mind, body and spirit, so that you can fall asleep quicker and stay asleep longer.
6. Stress and Anxiety
GiphyListen, the summer of 2025 for me? Whew, chile (check out “I've Been Estranged From My Mom For Years. She Died Last Week.” and “I Was Hired To Be An Online Life Coach. Then Got Scammed For $4K. Here's How To Avoid This.”). Other than the couple of weeks when my mother was on a swift decline (and I was concerned about her physical suffering), thankfully, I didn’t lose much sleep, though — and praise the Lord for that because stress (and anxiety) definitely have a way of jacking up sleep patterns.
That’s because when you are stressed out, your cortisol (which is your stress hormone) spikes and that can hinder sound sleep — which can result in you feeling fatigued and irritable throughout the day. So, if you are stressed out — exercise, journal, meditate, spend quality time with fun and supportive people…oh, and have sex. All of these things are proven ways to calm and relax you — on a few different levels.
7. Late Day Naps
GiphyI adore sleep — always have. So, I can’t even say that it’s my age that has a sistah out here excited about taking a nap in the middle of the day (I work from home). And what I have to watch is not napping for too long or taking a nap that is too late in the day. Why? Because it can totally jack up my sleep patterns because it ends up throwing off my sleep schedule.
According to sleep experts, the way to avoid this is by scheduling your nap out about eight hours before your bedtime and also making sure that your nap doesn’t last any longer than 30 minutes (set an alarm, if you have to). If you do both of these things, you can get the benefits of a nap and the benefits of 6-8 hours of sleep without having to compromise either one.
8. Not Having a Sleep Schedule
GiphyAs humans, we really are creatures of habit. In fact, if you do something consistently enough, it can become automatic to you — it can end up being something that you do without really thinking about it at all. And that’s why it’s a good idea to at least consider coming up with some sort of a sleep schedule; that way, you can train your mind and body to have a pattern of rest.
The beauty of this is a sleep schedule can help you to reduce your stress levels, strengthen your brain, maintain a healthy weight, put you in a better mood and make you more productive throughout the day. On the other hand, not having a sleep schedule can make it really challenging for you to get quality rest at night. It only takes a few minutes to come up with a schedule and it’s well worth your time.
9. Too Much Stuff on Your Bed
GiphyEver heard that a cluttered desk reveals a cluttered mind? If you believe that, how in the world could this not translate to a bed as well? Hell, I even read an article which said that having a lot of stuff underneath your bed can wreck your sleep because it can trigger feelings of anxiety and restlessness and that’s because clutter can overstimulate you and keep you from being at peace.
Look, there’s no telling how many times I’ve said that bedrooms are for sex and sleep only (many interior designers feel the same way) — which means that your bed shouldn’t look like a makeshift office, it shouldn’t have clothes all over it and, even if you are an avid reader, it shouldn’t look like a horizontal bookshelf (where’s your nightstand at?).
You need to feel free to move comfortably about on your bed throughout the night — which ALSO means that, although I personally call pillows “stuffed animals for adults,” you still don’t need a ton of those on your bed either; two for sleeping and 2-3 more for décor purposes are typically ideal.
10. Your Damn Cell Phone
GiphyYou’ve probably heard this before and yet, since reportedly most of us check our phones somewhere around 205 times a day — I’m willing to bet that at least 10 of those times are while you’re in bed or when you’re up to make a bathroom run in the middle of the night. Yeah, as tempting as that might be, try to break that habit because the blue light that emits from your phone can disrupt how your system processes melatonin — and that is another way that you can find yourself really struggling to fall asleep again.
Whatever is on your phone, it can’t wait. It’s not worth your beauty sleep, chile.
BONUS: Imbalanced Hormones
GiphyHormonal imbalance is absolutely something that can have you tossing and turning all night long. If it’s due to all that is going on with you the week before your period, try exercising earlier in the day in order to help you sleep more soundly at night. If it’s because you are in the latter stages of perimenopause, consuming foods that are rich in phytoestrogens (plant-based estrogen) could help to level things out. Some of those foods include sesame seeds, garlic, peaches, berries and cabbage.
____
YOU NEED SLEEP. Yes, I am yelling it because nothing is worth compromising it.
So, if you see yourself in anything that I just said, try making some adjustments tonight.
Within a week or so, you should find yourself sleeping more and tossin’ and turnin’ a heck of a lot less.
Beautiful.
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