Even though the world is in a state of panic, there are many that are over the moon at just thinking about the next time we can "go outside" again. And if you're anything like me, it's going to be EPIC. I've been putting together a mood board of all of the looks, outfits and places I haven't been that I want to try out once we get to the other side (whatever that looks like) all in one piece. And trust, I'm stepping out like the first day of 9th grade before social media.
New outfit, new hair, new makeup, who dis?!
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Look #1: “All-Over Pastels” Eye
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Juvia's Place The Violets Eyeshadow Palette
Annisa LiMara/xoNecole
Juvia's Place The Violets Eyeshadow Palette
Annisa LiMara/xoNecole
Baby blue. Lilac. Baby pink. Pastels are making a comeback and are becoming the new "power" eye so to accentuate my brown eyes, the all-over lilac eyeshadow from Juvia's Place The Violets Eyeshadow Palette really brings out the honey hues of my eyes and will make a statement for my first brunch or girls' night out! The trick to keeping cloudy hues from washing out skin or looking too preteen is to apply a light shimmery color in the tear ducts to break up the monotony and then pair with dewy skin, lashes (eyeliner if you're going out) and a nude lip.
Annisa LiMara/xoNecole
Look #2: All Over Gloss
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Annisa LiMara/xoNecole
The Glamatory Lip Drip Universal
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When all of this is over, most of us will come out with AMAZING skin (fingers crossed) after spending some time with our skin, checking in with our esthetician and sticking to our skincare routine without the constant clogging of our pores with outside radicals and makeup. So show that SKIN off, hunnay! Keeping it dewy with glossy eyes and lips is perfect to show off your hard-earned skin. Wearing the Supergoop! Glow Stick Sunscreen SPF 50 is clutch because it protects your skin while giving it that GLOW we all love. Pair it with Milk Makeup Eye Vinyl for a glass effect on the eyes with matching lips that will bring out all of the natural highlights on your face and will show off your skin the way it deserves. In other words, give the people what they want!
Annisa LiMara/xoNecole
Look #3: Neon Eyeliner
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Fenty Beauty Vivid Liquid Eyeliner in Banana Blaze
Annisa LiMara/xoNecole
Want to make a BOLD statement when we're free to move about the country? A simple neon eyeliner will do the trick. Again, quarantining has taught us a lot about keeping things simple and I do believe our makeup, once all of this is over, will showcase that. Pairing a yellow, blue or even pink neon eyeliner (like Fenty Beauty Vivid Liquid Eyeliner in Banana Blaze) with a clean face and a nude lip will give you that extra pop without spending hours on your face for your first concert after the world opens back up!
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Featured image by Annisa LiMara/xoNecole
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But the more the discussion progressed, the depth of that answer was revealed. Ebony opened up about how saving during the pandemic, a time when many businesses were forced to close their doors, aided her through difficult chapters. And after our authentic conversation, it made the importance of saving and business research crystal clear. Check out the convo below.
What was your journey like into money management? Have you always been good with your finances?
Yes, I learned it early. My grandparents had a construction company when I was growing up and my grandmother would teach me that with everything they worked for, she’d put 30% away. So no matter how many jobs I’ve had, once I tithed, I’d put up 30% away too. If I couldn’t pay my bills with that remainder, I’d get a second job. As crazy as it sounds, I’ve always been amazing at that.
So you’re definitely more of a saver then a spender, right?
Well, yes, but I do have a shopping addiction. But I save a lot. I’ve gone months and months without buying anything, then I’ll just go buy something big or small. But I’ve always known I still need backup plans. The beauty of having it is that you’re never trying to scramble. Even with my first property, I didn’t have any problems because my money was seasoned. I’ve always been consistent and knew a certain amount of money was going in the bank every paycheck.
Photo by Rari Filmz
Okay, so I can’t ignore the “shopping addiction” comment. Tell me about your splurge
So Louis Vuitton and Chanel are my favorites. Then I’m really big on supporting Black-owned businesses. I put that in my budget every month – sometimes a few times a month.
That’s a good one! What advice do you have for people trying to tighten up their budget?
Prioritize. When the pandemic happened, it gave us all a new outlook on life and what’s important. For example, going out to eat with my friends and family is essential. So I take time out monthly and figure out my expenses. For example, a lot of my friends are Tauruses, so that month, I need to plan extra birthday dinners. It only takes me like an hour, but it makes such a difference. People need to figure out what that looks like for them.
And what is your current final goal? Like, do you have a retirement plan?
Yes, once I get Noveau to 100 million! My biggest goal is for my team members to buy homes and establish themselves. But my end goal would be 15-20 restaurants, with five being investment restaurants. Also, of course, I want properties. I understand the importance of owning land. I think those are the main things.
Okay, so what is the worst piece of business advice you’ve been given?
Someone told me that I don’t need finances to open up a business. People say if you have a 590 credit score you can start it, but why would you do that? I mean you can do it with that score, but the interest looks way different. Build your credit first and avoid the extra costs. I used my own money to start a lot of businesses. Now when I look back I wouldn’t have even done it that way.
How would you have done it?
I would’ve used the bank's money. When you’re building your first location it can be really hard, but they do give them out. But you can’t just come in with a concept with no experience and ask for $100,000. No one will bet on that or believe in it. But if you have a concept, with a real plan and projections, start off with lines of credits. You can start small and build your business with $5,000.
Out of curiosity, what are your thoughts on investing and how do you do it?
I’ve invested in two restaurant concepts. Also, I have my own real estate investment company where we build, sell, and flip. I think investments are important to keep. Some of them require work. Personally, real estate is always key. To me it’s a safe option but they’re smart in general. That’s the only way you get to certain goals. Don’t let money sit in the bank – invest it.
Are there any unhealthy habits you had to unlearn in regards to investing or money management in general?
I had to learn to say no. A lot of times, everybody wants something. It’s hard to say no to people who are capable of doing things for themselves.
Heavy on the “who are capable of doing things for themselves.” What’s been your biggest struggle in building your business? Was there ever a moment you questioned it?
As an entrepreneur, we all have those moments where we’re ready to throw in the towel. But my biggest challenge was building a team and getting the word out there. But I also know God doesn’t make mistakes. At the time, the more I prayed and started to get to know the team, I came to the realization that I needed to let go of almost all of them. It wasn’t just about what was aligned with me and my purpose but also Nouveau.
Also, I had to separate myself and the business because I’m not going to care if they’re late three times in a row but the business will. Those were the most challenging things for me: saying no, building the right team, and separating the business and myself.
God heard every prayer though. Because now the team at Nouveau is amazing. They put all the pieces together. It’s all about praying and taking care of your people.
Finally, what does wealth look like to you?
Making sure my family is good and my mother doesn’t have to work again. Also, wealth is ensuring my team is reaching their goals. I teach my team how to save money, too. It makes no sense that I’m the only one that’s profitable. When I became a millionaire, my goal was to figure out who I’ll make the next millionaire. I want families to understand how we get here and how we stay here. Wealth is not a one-woman show.
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Feature image by Rari Filmz