7 Smart Spending Tips That Will Help You Save This Summer
With summer coming, Vitamin D and vacations can subconsciously be a source of both peace and pressure. Wedding season, brunches, last minute roadtrips, and other summer activities can lead us to spend more than anticipated.
While the extra sunlight often gives our moods a boost of energy, this can also contribute to more frivolous spending with increased cycles of shame, guilt, and avoidance when it comes to your finances. So whether you're a Hot Girl, a City Girl, or on your Lizzo flow this summer (cues your summertime theme song), here are a few tips on how to maintain your cool as things continue to heat up:
Gas yourself up while keeping your cool.
GiphyIf you're hitting the road, try filling up midweek on a Wednesday or Thursday (notice any airline pricing parallel?). Simple economics (supply and demand) means gas stations have a tendency to bump up their prices on Friday when most people travel and fill up last minute. A little planning can go a long way. Want another hack when it comes to your utilities? Keeping your A/C at 68 degrees is a 60% increase in utility spending on average in comparison to 78 degrees when you leave your home. Remember to make this adjustment manually or check with your utility company about a technology upgrade allowing you to control your A/C remotely, helping you to keep your cool in more ways than one this summer.
Pay cash or use debit.
Using money you've already earned will save you a ton of money. Cash is queen (or "king" as they say) because we feel the "pain" of spending cash over a simple swipe of a card. But we also don't have a way to track what we have spent. Debit on the other hand gives us a breakdown of where we spent our money and helps us to avoid "credit card hangover" (where we tend to beat ourselves up when we make money mistakes, say we won't do it again, and then find ourselves spending more to cure the "hangover", further perpetuating the cycle). Spend with purpose and fulfill your emotional needs with awareness.
Go on a staycation.
GiphyAccommodations tend to be two-thirds of our already-growing expenses when it comes to vacationing. Add in gas, food, and fun money, you know how quickly this all adds up. On the other hand, a staycation can be lighter on our wallet but heavy in fun! Vacation rental sites like Airbnb, Noirbnb, VRBO, and Homeaway can give you more bang for your buck as well as the local feel we often crave when we travel. Pair this strategy with finding free fun, like creating a bucket list, attending free informational classes, parks, recreation, and other events, and you are well on your way to smart summertime spending with all the vibes!
Set a social calendar.
With increased events during the summer (can you say wedding/bachelorette season?) and a natural tendency to want to visit others/be visited more, setting a social calendar will help to keep your spending in check. To live with purpose and intention, boundaries are important in all aspects of our lives and it's no different when it comes to your finances. Exercise your right to say NO to avoid unnecessary stress and drama!
Make spontaneity a part of your spending plan.
Considering we are more likely to engage in random activities during the summer months, we should make sure this is a part of our spending plan (I prefer this phrase over "budget" because anything too restrictive can often lead to failure like a fad diet because guess what? We are HUMAN!). Ditch the traditional rigid "budget" and include the inevitable. It's okay to plan for a splurge. Your future self and self-worth will thank you!
Be less social (media).
Sis, comparison is the thief of joy so be more intentional with the accounts you are following. Keep in mind that social media is only one side of a story and everyone who appears to be happy, rich, and joyful isn't always. Sometimes the images we are being fed are simply others managing their perceptions and "doin' it for the gram." It's no surprise that depression and anxiety rates are up and directly correlated. Don't let what others are doing deter you on YOUR journey. Remember this is just a season, and delayed gratification is worth it!
Be more nostalgic.
It's time to tap back in to your inner child. You know, the younger version of you, the little girl who was full of joy from the little things where cost and impressing others wasn't a factor? Do you remember catching/admiring fireflies, being on the porch with family and friends, or playing "punch bug"? What made your summertime self sing in your childhood days? Do more of that! Be intentional. Focus on being more present which costs nothing but simply putting your phone away.
By implementing these 7 summertime strategies and putting them to good use, you will find yourself increasing your holistic health and wealth. You are deserving and beyond worthy of this, Queen. Life is meant to be enjoyed and just in case you forgot, it's not a dress rehearsal. So whether you find yourself in sundresses, shorts, swimsuits, or even sweats this summer, continue to soak in the sun, create a summer to remember, and elevate your money mindset.
Are you down?
Featured image by Getty Images
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ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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It’s been nearly twenty years since India.Arie’s crown anthem, “I am not my hair,” gave Black women an affirmation to live by. What followed was a natural hair revolution that birthed a new level of self-love and acceptance. Concerns around how to better care for our hair birthed an entire new generation of entrepreneurs who benefitted from the power of the Black dollar. Retailers made room for product lines made for us, by us, on their shelves, and we further affirmed that though our hair doesn’t define us, it is part of our unique self-expression.
Today, that movement has turned into a wig uprising where Black women are able to experiment with colors, styles, and more without causing irreparable damage to our hair. It could even be said that we’ve arrived at a new level of acceptance: one that does not equate love of oneself to one’s willingness or lack thereof to wear her hair the way others deem acceptable. Not even other people who look like us.
However, as with Blackness itself, the issue of Black women’s hair is layered.
On the surface, it’s nothing more than a matter of personal preference. However, in a deeper dive, issues of texture, curl pattern, and of course, proximity to social acceptance, as well as other runoff streams from the waters of racism and patriarchy, rear their heads. The natural hair movement, though a wide-reaching and liberating community builder, also gave way to colorism and often upheld mainstream beauty standards.
Sometimes, favoring lighter-skinned influencers/creators with very specific hair textures, the white gaze leaked into our safe space and forced us to reckon with it. Accurate representations of natural hair in various states of being—undefined curls, kinks, and unlaid edges—are still absent from brand marketing. Protective styles, though intended to provide breaks from styling for our sensitive hair, have become a mask to help our hair be more palatable. A figurative straddle of the fence in order to appease the comfort of others in the face of our hair’s power.
And then there’s the issue of length.
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As a woman who has spent much of the last decade voluntarily wearing her hair in many variations of short hairstyles, from a pixie cut to a curly fro and a sleek bob, what I’ve gleaned throughout the years is that there is a glaring difference between how I am treated when wearing my hair short than when I opt for weaves, extensions or even grow it out slightly longer than my chin.
The differential treatment comes from women and men alike and spans professional and personal settings, including friends, coworkers, and industry peers.
What has become abundantly clear is that long hair is often conflated with beauty, softness, and any number of other words we relate to femininity in a way that short hair is not. That perceived marker of the essence of womanhood shows up in how I am received, communicated with, and complimented.
Even more so than texture, length has a way of deciding who among us is deserving of our attention, affection, and adoration. Whether naturally grown or proudly bought, the commentary around someone’s look or image greatly shifts when “inches” are present.
When it comes to long hair, we really, really do care.
In an effort to understand whether I had simply been misinterpreting the energy around my hair, I decided to take my findings to social media. I began with two side-by-side photos of myself. In both pictures, my hair is straightened; however, in one, I am wearing my signature pixie cut, and in the other, I am wearing extensions.
I posited that treatment based on hair length is a real thing, and what followed was confirmation that I was not alone in my feelings. “Long hair, like light skin, button noses, and being thin are all forms of social capital,” one user commented. “Some Black women enforce the status quo too, why wouldn’t we?”
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This also brought to mind the many times celebrity women (like most recently Beyoncé's Cécred hair tutorial) have done big reveals of their own natural tresses in an attempt to silence any doubt that Black women are able to grow their hair beyond a certain length. Of course, we all know that to be true, so why do we still feel the need to prove it so?
The responses continued to pour in from women of all skin tones, who felt that hair length played a role in people’s treatment of them. “When I have short hair I always feel like people don’t treat me like a woman, they treat me like a kid,” another user commented. “When my hair is long I get a lot more respect for some reason.”
From revelations about feeling invisible to admitted shifts in their own perceived beauty, Black woman after Black woman poured out her experience as it relates to hair length. Though affirmed by their shared realities, knowing that reactions to something so trivial have become yet another hair battle for Black women to fight was disheartening. Though we continue to defy gravity and push the bounds of imagination and creativity by way of our strands, will it always be in response to the idea that we are, somehow, falling short?
Unlike more obvious instances of hair discrimination, the glorification of longer length is sneakier in its connection to Eurocentric beauty standards. Hair commercials, beauty ads, and even hip-hop music have long celebrated the idea of gloriously long tresses while holding onto the ignorant notion that it is inaccessible for Black women.
Even as we continue to fight to prove our hair professional, elegant, and worthy in its natural state to the world at large, we’ve also adopted harmful value markers of our own as a community. It’s evident in how we talk about who has the right to start a haircare line and which influencers we easily platform. It’s evident in the language we use to identify those with long hair versus short hair. And it’s painfully obvious in how we treat one another.
It makes me wonder if India.Arie’s brave rallying cry, almost two decades old in its existence, will ever actually hold true for us. Or will we just continue to invent new ways to uphold the harmful status quo?
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Feature image by Willie B. Thomas/ Getty Images