

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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It's kinda wild that, in 2025, my byline will have appeared on this platform for (what?!) seven years. And yeah, when I'm not waxing poetic on here about sex, relationships and then...more sex and relationships, I am working as a certified marriage life coach, helping to birth babies (as a doula) or penning for other places (oftentimes under pen names).
As some of you know, something that I've been "threatening" to do for a few years now is write another book. Welp, October 2024 was the month that I "gave birth" to my third one: 'Inside of Me 2.0: My Story. With a 20-Year Lens'. It's fitting considering I hit a milestone during the same year.
Beyond that, Pumas and lip gloss are still my faves along with sweatshirts and tees that have a pro-Black message on them. I've also started really getting into big ass unique handbags and I'm always gonna have a signature scent that ain't nobody's business but my own.
As far as where to find me, I continue to be MIA on the social media front and I honestly don't know if that will ever change. Still, if you need to hit me up about something *that has nothing to do with pitching on the site (I'm gonna start ignoring those emails because...boundaries)*, hit me up at missnosipho@gmail.com. I'll do what I can. ;)
Your Guide To Letting Go Of What No Longer Serves You Based On Astrology
Letting go is a gift we are given and a strength that we find throughout our lives. There are times when we want to grab ahold of what we are experiencing and sensing, and times when we need to let go of something that was once everything to us or what we wanted for ourselves. The moment you conclude that you need to let something go in your life is the moment that your brain fights to make that happen for you.
In Astrology, there is an area of your birth chart that is designed for you to understand where you will be letting go a lot in this lifetime, and exactly how to do so. We dive through the birth chart as we seek a deeper understanding of ourselves and let go of what no longer serves us, and there are tools available to help us do so. If you don't know where your South Node is in your birth chart, you can use a free calculator like this one here.
What Does Your South Node Represent in Astrology?
When it comes to what we are destined to let go of or move away from in this lifetime, we look to the South Node. The South Node is the area of your birth chart that has to do with your past lives, karma, lessons, old habits and traits, gifts, and energy you are moving away from in this lifetime.
Your South Node is opposite your North Node, which is your destiny and the energy you want to move towards.
We can learn a lot from our South Node and it’s an area of our life where we tend to gain the most wisdom. By understanding why some patterns in your life tend to play out in the same ways, you can be more conscious of the choices you make in the now and let go of who and what doesn’t serve you in the process.
South Node Insights: Letting Go
The South Node is our natural gifts and talents, but also where we don’t need to focus so much of our energy on, taking us away from where we need to be developing, which is the North Node. So when you are looking to let go of something, gain a new perspective, or feel more trusting in what you are doing right now, you can examine your South Node.
We learn from our South Node by not making the same mistakes over again, letting go of what needs to be let go of, and understanding what we need in order to create space for our new beginning.
Read below for your South Node on how to let go of what no longer serves you.
Aries South Node: Letting Go of Independence for Connection
You are used to being independent and figuring things out on your own. In this lifetime, however, you are being asked to lean on others for support when you need it. You are working on letting go of the ego and focusing more on the heart. By extending your compassion for others, you discover a part of yourself that leads you toward empowerment and allows you to let go of a false sense of safety.
You are meant to experience harmonious, fortunate, and compatible love in this lifetime, and you will do so by opening your heart to others and letting go of people who don’t support you or whom you can’t count on.
Taurus South Node: Releasing Overdependence and Superficiality
With your South Node in Taurus, you are letting go of the need to acquire by focusing on the depth and intention of what you are obtaining. Your relationships tend to have a lot to do with your financial world, and these things can get twisted and distorted if you are not being careful.
In this lifetime, you are working on letting go of what doesn’t serve you by following your heart and your intuition more and focusing more on the feeling you want for yourself rather than the things themselves. You are also working on letting go of overdependence or superficiality in relationships, by connecting with the people whom you have a deep and spiritual bond with.
Gemini South Node: Finding Freedom in Authenticity
For you, letting go means following your freedom. You are meant to do things your own way in this lifetime, and the less you can focus on how you are going to be perceived, the more you can live the life of your dreams. With a South Node in Gemini, you are moving away from the commotion of life. What helps you let go of what no longer serves you is traveling, getting out of your comfort zone, and being in new environments.
In past lives, you may have given too much of your focus on your social successes and business pursuits, and in this lifetime, you are meant to focus on the bigger picture. What helps you let go is understanding that once you do, better is available to you.
Cancer South Node: Trusting Yourself Beyond Emotional Impulses
With a South Node in Cancer, you are learning to trust yourself and your logic more than your emotional world in this lifetime. By letting go of feeling like you have to be the one to nurture and support everyone and allowing people to do that for you, you lead your destiny.
With your South Node in Cancer, you are letting go of emotional impulsiveness or making decisions irrationally before you have thought about them.
In past lives, you were led by your emotional world, and in this lifetime, you are meant to think more about your long-term goals and intentions. What helps you let go of what no longer serves you is knowing that you are more than what you can give to others.
Leo South Node: Prioritizing Community Over Recognition
In this lifetime, you are working on letting go of the need to be seen and recognized and focus more on your need for community and soul companionship. You are moving away from the “I” and moving closer to the “We.” What helps you let go of what no longer serves you is giving your focus to humanity, the progress you want to make in this lifetime, and who you want to make it with.
You are learning how to work with others and let go of the need to figure everything out yourself. The more you connect with the people who make you want to team up and form a relationship, rather than the people who make you want to be alone, the better for you.
Virgo South Node: Embracing Compassion Over Perfection
In this lifetime, you are letting go of the need to do everything yourself and to have everything all together. You can let go of what no longer serves you by thinking more with your heart than you do with your mind and by trusting this gift of yours. By focusing more on your spirituality, emotional connections, and creativity, you let go of a timid side of you that can disrupt your relationships or the bonds you make.
In past lifetimes, you were focused on perfection. In this lifetime, you are meant to focus on compassion. By surrendering more to the flow of things, you can let go of what no longer serves you while remaining open for what does.
Libra South Node: Rediscovering Your Independence
With your South Node in Libra, you are meant to experience the gifts of independence, freedom, and inner clarity in this lifetime. In the past, you may have been more dependent on the people around you and made a lot of your focus on love. However, in this lifetime, you are being reminded to not lose your identity in others. You can let go of what no longer serves you by only moving towards the things that feel authentic to you.
You are meant to feel confident, inspired, and free in your relationships, and if you don’t feel this way, then that is a sign you are around energy that doesn’t serve you. You are meant to do things your own way in this lifetime.
Scorpio South Node: Letting Go of Struggles and Embracing Ease
With your South Node in Scorpio, you have lived many lives and have experienced a lot emotionally. In this lifetime, you are learning how to trust the process more and to understand that not everything has to be difficult or trying for you. You can experience great things with ease, and you’ll know you are in the right place when things are just falling into your lap.
What helps you let go of what no longer serves you is focusing more on the things and people who make you feel safe, stable, and comfortable. Instead of always seeking the rush or the thrill, bring your attention more towards the things that ground you.
Sagittarius South Node: Building Connection Through Learning
Your South Node in Sagittarius urges you towards connection with your community and your immediate environment. In this lifetime, you are letting go of the need to be everywhere at once, rather than with the people who matter most to you. You are moving away from knowing everything and into learning everything.
By looking at life as a place where you will learn, grow, and connect, you can let go of the things that stretch you too thin or don’t serve your heart.
What helps you let go of what no longer serves you is expressing yourself more, meeting new people, and spending time on a cause or creative project that inspires you.
Capricorn South Node: Choosing Home and Foundations Over Status
In this lifetime, you are meant to put more value and effort into your personal life, home, family, and foundations in life. In past lifetimes, a lot of your focus was on your reputation, achievements, and successes, and in this lifetime, you are meant to bring your energy more to the home base, family, and stability in life.
You will know if something is right for you if you want it because it makes you feel safe and nurtured, rather than just something that looks pleasing to the eye. What helps you let go of what no longer serves you is by focusing more on your personal life rather than your public, and what you truly see for yourself here.
Aquarius South Node: Shining in Your Individuality
With an Aquarius South Node, you are meant to shine, be seen, and express yourself in this lifetime. You are letting go of the lone wolf energy you are used to, and working on taking up space. You are able to let go of what no longer serves you by being confident in yourself and the decisions you are making.
If someone doesn’t make you feel like the best thing in the entire world, then they aren’t right for you. In past lifetimes, you gave a lot of your energy to your community and the people around you, and in this lifetime, you are meant to focus on yourself and your path more. It’s all about doing what makes you feel good and trusting that you deserve to.
Pisces South Node: Honoring Logic While Embracing Intuition
Your lesson in this lifetime is that your mind is your gift. In past lives, you were very intuitive, psychic, and spiritual, and in this lifetime, you are learning to trust and honor the logical part of yourself more. You may tend to put your all into your relationships and not get the same energy back, and you are working on taking care of yourself first before you can give to another.
What helps you let go of what no longer serves you is trusting your body and the signals it gives you when you are around certain people or energy that doesn’t serve. Get organized, figure out your needs, boundaries, and wants, and get clear on who you are and what you want for yourself.
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The Overlooked Habit That Can Instantly Improve Every Area Of Your Life
Although most of my clients are either married or individuals who are in — or want to be in — a serious long-term relationship, there are times when someone will hire me to help them with finding their purpose and/or setting goals. One client, in particular, semi-recently asked me why I thought that she was constantly feeling overwhelmed and even a bit low, even though she continues to accomplish a lot of what she sets out to do.
The answer I gave her is what today’s article is all about: she doesn’t celebrate herself enough. Y’all, I’m so serious about how important it is to do that on a consistent basis that I’ve actually done research on why it’s not a very popular practice for most people. The reasons vary. Some folks don’t celebrate themselves because they think that it’s an arrogant thing to do. Others don’t celebrate themselves because they never really learned how to make themselves a priority (in that way).
Still, others avoid it because they are so used to making a big deal out of others’ accomplishments that it never crosses their mind to give their own selves the same type of intention and energy. And gee — that is so unfortunate because when you make it a point and practice to celebrate the things that you set out to do, it can boost your self-confidence, it can solidify your self-esteem and it can give you the “fuel” to make and meet even more goals in the future.
Why Celebrating Yourself Matters
If you’ve been rocking with me for a while now on this platform, you’ve probably heard me mention that one way to celebrate yourself (that I actually do quite often) is to pop open a bottle of champagne, wine, or sparkling cider and toast yourself at the end of every day or week (check out “10 Ways To Make Monday Your Favorite Day Of The Week,” for example). However, if you want to come up with other ways to improve the quality of your life, get more things done, and have so much (more) fun while doing both, learning how to celebrate yourself fully starts with really understanding what the word means — and requires.
And so, give me a moment to break all of this down for you by sharing five words that actually help to define what it means to…CELEBRATE…yourself. I’ve got a feeling that once you let it all sink in, you will want to start celebrating you and your life immediately and yes, that will absolutely change your life for the better. I guarantee it.
5 Ways To Celebrate Yourself & Honor Your Wins
OBSERVE: to see, watch, perceive or notice
Let’s begin with the fact that it’s pretty hard to celebrate something if you don’t pay a good amount of attention to what you are actually celebrating in the first place — and by this I mean, you should have clear and concrete things that you want to do — today, this week, this month and then this year.
For example, when it comes to the day that I am actually writing this: TODAY, I am going to open up an account to do online stocks on; this WEEK, I am going to get my will together (because grown folks should have one); this MONTH, I am going to pay off a tax debt that I have (1099s can kick your butt; stay on top of those), and this YEAR, I am going to go on vacation (which is something that I haven’t done since my 20s…no joke).
And yes, every time that I accomplish each of these things, I am going to commemorate it by celebrating myself. After all, another definition of observe is “to regard with attention” — and there is absolutely no sense in “seeing something” that you are not going to be paying real attention to (lawd, that will preach on a few different levels, come to think about it!).
PROCLAIM: to announce or declare in an official or formal manner
Once you know what you want to do, you should proclaim it — which basically means that you should hold yourself accountable for even saying that you are going to accomplish it, whatever “it” may be. A good example of this in my own world is, last year, I declared that I was going to publish my third book and my godchildren’s mom declared that she was going to complete her upcoming album. Thing is, I kept dragging my feet until I ended up doing what I seem to do with all of my books: I wrote it in six weeks (even though I had six months), and my godchildren’s mom? She is on the tail end of finishing her latest LP now.
A part of what held us both to the wire is us asking each other, “So, did you finish your project yet?” and that’s because, oftentimes, if you don’t have someone reminding you of what you officially announced to them, you will let life get in the way and procrastinate and/or make excuses (to yourself) and/or never do what you initially proclaimed that you were going to. So yeah, the next step that gets you to the point and place of being able to celebrate yourself is verbally proclaiming that you are going to do what you have started to give a certain amount of attention to.
BLESS: to bestow good of any kind upon
Did you know that a synonym for celebrate is bless (all of the words that I’ve provided are synonyms for celebrate, actually)? And goodness — how cool is that?
Once you’ve decided that you are going to do something, it’s important to not just declare it and get an accountability partner for it — you also need to bless your intentions. To bless means to request God’s favor on it. To bless means to be intentional about protecting it from dark forces (person, place, thing, idea). To bless means to bring nothing but good energy, good resources, goodness, period, its way.
This can come in the form of prayer, meditation, positive mantras, favorite quotes, a personal mission statement — anything that will put you in a state of confirming (a synonym of bless) that what you plan to do is going to be for your greater good and then honoring (another synonym of bless) that fact — because if it’s for you good (and you remain consistent in executing that goodness), that is definitely something that is worth celebrating. AMEN?
PRAISE: the act of expressing approval or admiration
Sometimes, when I’m talking to married couples, a Scripture that I will bring up is Amos 3:3 (NKJV): “Can two walk together, unless they are agreed?” To be in agreement means that you 1) give consent to something; 2) are on one accord about something; 3) are in harmony about something; 4) are CONSISTENT with something, and 5) have determined that the “something” is suitable. You know what? It’s not only relationships that should be in agreement — you should also be in agreement with yourself.
The way that manifests is, well, let me share a quote that I made up years ago that I have featured in one of my email accounts: “If your mind, body, and spirit are not all in agreement…pause.” It’s another message for another time that “trinity” is not a word that’s in the Bible (the Godhead is more appropriate and accurate — I John 5:8). Trinity simply means “three in one” and yes, your mind, body and spirit are certainly an example of a trinity.
And when trinities are in agreement, they can approve of what they are doing and even admire what they have done because, when there is no internal conflict, there is plenty of reason to praise what has manifested. That said, when it comes to your plans — do your mind, body, and spirit all agree that it — whatever “it” is — is a good idea. If not….why not? If so, it’s time to move on to the final word.
PERFORM: to carry out; execute; do; to carry into effect; fulfill
Now that you see what comes with getting to the point of being able to celebrate yourself — because, clearly, celebration is a methodical process — how could you NOT want to carry out, execute, fulfill an idea or plan to honor yourself for doing what you have just…done?
If you walked out the celebration steps, what’s wrong with: planning a self-care day; treating yourself to your favorite meal at your favorite restaurant; taking a personal day off from work; sending your own self some flowers; booking a night at a hotel; loading your bathtub with rose petals; getting dressed up and taking your own self out on a date; staying in bed all weekend; going on a solo road trip and/or purchasing pampering items? ABSOLUTELY NOTHING.
Because once you have observed a mission, proclaimed it to someone else, blessed and approved it — you have already celebrated the mission and so it makes no sense to not also celebrate the vessel that put it all together: YOU. And when you’re in a constant cycle of celebration, how could it not significantly improve the quality of your life…right?
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A sex therapist by the name of Dr. Chelsea Page once said, “Celebration is the climax of self-love.” If you love yourself, celebration should be a common practice that represents that fact. So, whether it’s your relationship, your professional aspirations, your health goals, your money missions, or habits that you want to break and/or implement — if you want a hack to instantly change your life for the better, learn how to CELEBRATE YOURSELF.
It’s how to set goals, reach them, and honor them. Over and over again...in the best way possible.
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