

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. ;)
On her debut album,CTRL,SZA crooned about her desire to be a “Normal Girl.” Now, nearly eight years since its release, her Not Beauty line represents her commitment to existing outside of traditional beauty norms.
The singer whose real name is Solána Imani Rowe first teased the idea of a lip gloss line during Super Bowl LIX in February, noting that the release would be happening “very shortly.” Not Beauty debuted simultaneously with the Grand National Tour, which she co-headlines with Kendrick Lamar, in Minneapolis on April 19.
Each Not Beauty pop-up would offer fans the opportunity to purchase the glosses, learn more about the brand, and have the opportunity to meet the superstar in the flesh regardless of their ticket status.
During the Los Angeles tour stop, which spanned three dates on May 21, May 23, with the finale on May 24, xoNecole had the opportunity to test out the glosses included in this soft launch, as SZA revealed in a statement that "this is just the start of other lip products, including plans to launch stains, liners, and creams all inspired by SZA's “infamous layered lip combinations.”
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So, what is included in the first Not Beauty launch?
The current Not Beauty products available are lip glosses that come in three shades: In the Flesh, Strawberry Jelly, and Quartz.
During my visit to the first LA Not Beauty pop-up activation, I not only had the chance to purchase all three glosses but also took a peek inside the blow-up log tent. Inside, fans got to experience SZA’s love for nature and her fascination with bugs, which are prominently featured in her performances for this tour. At one point, she even had human preying mantis prancing across the stage y'all.
There were blow-up photos of the beauty that is SZA for fans (myself included) to take photos, but in wooden-like tree trunks were a deeper dive into some of the ingredients featured in her products and their benefits.
For example, the glosses feature Hi-Shine Lip Jelly and Shea Butter as key ingredients and some of the listed benefits included are:
- Shea Butter - “A powerhouse ingredient, offering both functional and nourishing benefits.”
- Hi-Shine Lip Jelly (featured in the In the Flesh shade) - “Formula glides on with perfect adhesion to the lips without stickiness).
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What are in the products?
Featured in an orange package, with images of a bug and flower on the side, the back of the box reads: “It’s NOT BEAUTY, it just works. Developed by Solána “SZA” Rowe.
As someone who never leaves home without a good lip gloss, I loved how compact the wood panel packaging is. Perfect to slip into my purse, or in the case of the show at SoFi Stadium, into my pocket when I’m not carrying a bag.
Because I’m a sucker for a good black and brown lip liner and clear gloss combo, I decided to wear the Quartz flavor on night one of the Grand National Tour LA stop, and it did not disappoint. I’ll admit, it’s light weight feel made me nervous because it felt like there was nothing on my lips. However, when I checked my lips in my compact mirror several times throughout the night, I was shocked to find that my gloss was still intact. I only reapplied once out of the habit of looking cute and applying my gloss, but not necessity.
Here are some of the ingredients featured, but not limited to, in the Quartz flavor.
- Polyisoubutene
- Butyrospermum Parkii (Shea)Butter
- Ricinus Communis (Castor) Seed Oil
- Mentha Piperita (Peppermint) Oil
- Tocopherol
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Lip prep
I’m a simple girl who loves to stay true to her roots. So ahead of the show, I stopped by a local Inglewood Beauty Supply store and grabbed a Black and Brown shade lip pencil for just under $2 a piece.
Shading the outline of my lips with the black pencil first, I used the brown to lightly fill the inside of my lips before applying my Quartz Not Beauty shade gloss.
How to apply
There’s truly no right or wrong way to apply lip gloss (in my opinion), with this being a brush applicator sort of product, I simply untwisted the top and swiped the gloss around my top and bottom lip generously.
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Results
Again, my Not Beauty Quartz product stayed on my lips from the start of the show, which began with a fire DJ set from LA’s very own, Mustard, to the conclusion when Kendrick and SZA reunited on stage to send us home to their duet, “luther,” featured on the rapper's GNX album.
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The millennial in me is nostalgic at best...and at worst, deeply, deeply yearning. I’d be lying if I said I didn’t miss the past.
In the days of old, community was never hard to find. It was a knock on the door from a neighborhood friend who needed no invitation. It was trading jokes over lunch and lingering strolls after the final bell. It was choir practice on Saturdays and giggling in the pews on Sundays.
The love was free and plentiful, and my cup runneth over.
But there was a certain rhythm to the ’90s and early 2000s. People were ever-present in the most ordinary ways, and fortunately, this followed me well into adulthood. The door knocks have since turned into tequila shots, and brunch on Sundays became my new sanctuary, but you know...same thing!
However, life has changed drastically, and with it, so have we. Sometimes by force (2020..no other words needed, amirite), and other times by the natural, inevitable flow of growing up.
As we age, our identities become more defined. And while the people we’ve always loved still matter deeply, we start to crave new connections and experiences that reflect who we’re becoming.
When COVID reared its ugly head, not only did it disrupt the lives we knew, it pushed us to reevaluate the lives we want… and the people we want in them. For many, it exposed a loneliness that had already been there beneath the surface. It made space for questions we hadn’t slowed down to ask: What do I truly enjoy? Who do I feel most myself around?
After months of quarantine and isolation, we were left craving connection in a deeper, more intentional way. This sparked a renewed interest in “the third space.”
Coined by sociologist Ray Oldenburg, the term refers to those places beyond home (first space) and work (second space) where people gather, build relationships, and foster community. Think coffee shops, libraries, dance studios, run clubs, and other environments that offer connection outside of our daily obligations.
My own desire to find like-minded folks has only intensified over the past few years. And as a self-proclaimed medicine woman and wellness enthusiast, I went looking for spaces that felt good, and found more than a few.
So if you're in NYC and searching for places that feed your spirit (and tend to your interests), consider this your starter guide. Whether it's a wellness club, a run group, or a kickball league, these third spaces might just feel like home.
A Safe Space Mentor
My Shaylaaa.
What started out as a simple offering from founder Teya Knapp has grown into one of the most intentional, heartfelt communities I’ve had the privilege to be part of. Together with COO Jasmine Dayze, they have cultivated more than a collective—it’s a movement rooted in community care, softness, and restoration.
A nonprofit centered on mental health advocacy and equity, A Safe Space Mentor has redefined the possibilities of communal healing. With over 22 fully funded retreats to date (yes, free), monthly programs ranging from support groups and hikes to pottery classes, free therapy, and now a physical home at A Safe Place Studios, they’ve built an ecosystem where people can show up fully and be accepted just as they are.
I came across them by chance, but as fate would have it, it allowed me to bloom in ways I never saw coming, surrounded by women who affirm and love me in ways I didn’t know I needed. I’m serious, ya’ll. Even at the risk of sounding dramatic: expect to be changed, to find friends, possibly even family, and maybe a group chat, too.
Beyond their no-cost offerings, they also host weekly yoga and meditation classes, massages, and more. Learn more about this beautiful space here, and keep an eye out for their upcoming Juneteenth gathering.
NARC
Who needs Hinge when there’s a run club? (Kidding... kind of.)
NARC, short for Not a Run Club, is technically a run club but with a twist. Co-founded by Omari Ross and Noah Hutchins, NARC takes a holistic approach to fitness and community. Picture track workouts, dynamic circuits, core finishers, followed by a post-workout brunch with the crew. Sure, the occasional match may be made, but at its core, NARC is about connection, movement, and showing up for yourself and others.
It’s the kind of space where most people arrive solo but rarely leave without a new friend or a new perspective. And personally? I never tire of seeing Black men love on one another out loud.
If you’re looking for a solid sweat (not gonna lie, it gives Olympic training at times), laughs, and folks that show up rain or shine, they’ve got you. Beyond the track, they also host boxing classes, hot yoga sessions, social mixers, and a number of other events. NARC meets every Saturday at McCarren Park at 10 a.m. unless otherwise noted. Learn more here.
The Music Nerds
My favorite part about The Music Nerds? The DJ. Scene Serene, a former music journalist turned vibe curator, created this club out of pure love for music and the Black people who create it. And that love is felt in every detail.
Past functions have celebrated Kendrick Lamar, Black women in music, and Virginia legends, each thoughtfully crafted to tell a story through sound. Here, you’re not just dancing, you’re feeling, remembering, and reflecting, too. Additionally, she kicks off each event with icebreaker quote cards to spark conversation, because the vibe isn’t just in the music; it’s also in the people.
That sense of connection comes full circle in her choice of venues, which are always Black-owned spaces that feel safe and inclusive for all Black folk. After all, if we don’t support each other, who will?
This isn’t just a party. It’s a celebration of culture, connection, and Black joy…and yes, it’s free! She’s cooking up some magic for the summer, so follow her here to stay in the loop.
SociaLight Social Club
For the anti-social socialite or the extrovert who wants a little more intimate play, the SociaLight Club might be your sweet spot.
Nayah, the founder, is all about curating intimate, low-pressure gatherings that bring people together through random yet delightful activities, all while supporting Black-owned businesses in the process.
From coworking days to supper clubs and nights building LEGOs, it’s the kind of space where you can show up as you are and end up discovering new people and new passions. It’s chill, it’s intentional, and very much a vibe. Keep up with her events here.
Recess Kickball League
Black folks deserve to frolic, dilly-dally, and straight-up play. And that’s the spirit behind Recess Kickball League. Though kickball is the anchor, it’s really about reclaiming joy through movement and connection.
Founded by five friends during the lockdowns of 2020 (Emmanuel Maduakolam, Christopher Thomas, Cris Jones, Daemon “Tubbs” Krueger, and Ermias Tessema), the club started as a way to get outside and let loose, and now it’s blossomed into a thriving community with leagues in both LA and Brooklyn.
If you’ve been looking for field day vibes and opportunities to love on your inner child, keep up with them here.
The Free Black Women’s Library
Tucked in the heart of Bed-Stuy, The Free Black Women’s Library is a cozy nook that centers Black women and holds space for book lovers, creatives, and community-builders alike.
Founded by OlaRonke Akinmowo, it functions as more than a library but a cultural hub. While every book is written by a Black woman or non-binary author, she also hosts grief workshops, writing circles, and curated events that honor both healing and imagination, too. Their monthly calendar is packed with offerings that meet you where you are, celebrating who we are and who we’re becoming.
And the best part? You don’t have to buy a book, you can swap one. Bring something you’ve read, and leave with something new. Keep up with them here.
Peak & Pace
This one’s for the runners and the lovers. If you’re looking to meet your future bae who’s into fitness and a good Sunday reset, Peak & Pace might just be your new favorite link.
Founded by London native Owen Akhibi after relocating to NYC, the club was born out of something a lot of us know too well: feeling a little lonely in a big city. So he created a space that brings people together who just so happen to run.
Every meetup ends with a social, and some runs come with fun themes like wearing flags repping your country to wristbands signaling your relationship status (lovers tap in!). Off the track, they host yoga, comedy nights, parties, and other events to build real connections. They meet every Saturday at Prospect Park at 10 a.m. Tap in with them here.
Free Peace Meditation Club
Free Peace Meditation Club offers a rare pause in the middle of NYC’s bustling Lower East Side, encouraging folks to be still in the midst of chaos while finding beauty in it, too. What began as a simple conversation between Kenji Summers and Angelo Baque has blossomed into a welcoming sanctuary where New Yorkers gather to unplug, recenter, and recharge.
Hosted monthly at the artfully decorated Awake NY, this community-driven experience invites participants to reconnect through guided reflection, mindful breathwork, and thoughtfully curated music that features the rich sounds of New York’s rap, R&B, and jazz artists. FPANYMC stands as a powerful affirmation that stillness is not a luxury but an essential practice. Keep up with them here.
Knot Okay Club
This one’s for the soft girls, the creatives, and anyone who’s ever needed to crochet their stress away.
Knot Okay Club brings Black women and non-binary folks together through fiber arts. It’s about slowing down, making something with your hands, and feeling held while you do it. The work might be small and intentional, but the connection? That’s the magic. Learn more about them here.
Girls That Gather
Lauren Franco started Girls That Gather after moving to NYC and realizing just how hard it can be to find genuine connections as an adult.
What began as a way to bring women together has grown into a go-to space for meaningful conversation and real friendship. From curated dinner parties to small, cozy events, everything is designed to feel easy and intentional. No awkward networking energy, just good vibes and even better people. Learn more about them here.
Adanne Bookshop
Adanne is one of those places that makes you want to linger.
Tucked away in Brooklyn and owned by educator Darlene Okpo, this Black woman-owned bookshop is as intentional as it is inviting. The books are curated with care, the energy is warm, and the events, from author talks to community gatherings to incense-making, always leave you a little more full than when you walked in.
It’s not just a bookstore; it’s a cultural anchor. Check out their events here.
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