Budgeting might sound complex, but it's really not once you take the leap and actually get started. Plus, the payoff is worth the small learning curve.
Creating a monthly budget can put your financial woes at ease because you know exactly where your money is going and how much money you're bringing in monthly. Taking control of your finances can seem daunting, but it's worth it when you're not stressed about your ability to pay your bills on time, while still meeting your personal financial goals.
1.Set A Reminder
First things first, pick a day out of the month to prioritize budgeting and set a monthly reminder on your calendar. When life gets busy, the last thing on your mind will be a budget.
2.Set Personal Financial Goals For Your Budget
As a beginner, it's important to set personal financial goals before creating a budget. Ask yourself, why are you creating a budget? Solidify the long-term financial goals you are aiming to reach, so you can create a personalized plan of attack to conquer your goals. Everybody has a reason for wanting to clean up their spending habits. It's up to you to determine what your budgeting end goal is. Are you budgeting to:
- Save for a car purchase?
- Create or build an emergency fund?
- Pay off current debt?
- Afford a pricey vacation?
Sit down and write down your purpose for budgeting and the exact goals you are hoping to achieve.
3.Pick A Budgeting Method
50/30/20 Rule:
The 50/30/20 method of budgeting was popularized by Senator Elizabeth Warren in her book, All Your Worth: The Ultimate Lifetime Money Plan. This rule offers a simplistic budgeting plan to help others reach their financial goals. The rule recommends spending up to 50% of your after-tax income on necessities and obligations, essentially fixed expenses. Then 20% of the remaining half should be allocated to savings and debt repayment, and the last 30% of the remaining half should be allocated to anything else that you want.
Zero-Based Budget:
Zero-based budgeting is a method of justifying all expenses for the period. Basically, the income minus the outgo has to equal zero for the month. After covering your expenses for the month, if you have $300 left over, then you have to allocate it towards something. For example, allocate the money towards paying off debt, an emergency fund, etc. Studies show this method of budgeting helps people pay off 19% more debt and save 18% more money.
4.Choose A Tool To Create Your Budget
Determine what tool you want to use to create and track your budget. Some people enjoy the old-fashioned pen and paper method, but in this day and age we have many technological options as well. For those who know their way around Excel, you can make a budget using an Excel spreadsheet. If you choose to create a budget, then follow these simple steps:
- Record your sources of income
- Record your monthly expenses
- Divide the expenses into fixed (same expense every month) and variable expenses (changes month to month)
- Total your monthly expenses and monthly income to understand your monthly cash flow
If manually creating a budget isn't convenient for you, then there are many free budgeting tools available to give you a hand. Mint is one of the leading free budgeting apps that automatically tracks your expenses and incoming money by syncing to your bank accounts. Mint helps you to create a budget and set goals with ease.
If you aren't interested in downloading an app or manually creating a budget, then Budgetpulse could be the perfect solution for you. Budgetpulse is a free personal finance software that organizes your cash flow, expenses, bank accounts and allows you to set financial goals.
5.Analyze And Assess Your Budget
Setting financial goals and making a budget is great, but it's important to analyze and assess your budget monthly by creating a plan to meet your goals. How much money do you need to save each month to reach your goal and how will it potentially take? If you're saving towards a relaxing vacation on the beach and you estimate that you need to save $1500, then figure out how much money you will save per month to reach your goal. If this requires you to cut back on expenses, then assess your budget for opportunities to cut-back on expenses or increase your income.
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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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This article is about crystals not Scripture, so when it comes to the latter, I’ll just briefly say that if you mosey on over to Exodus 28, you’ll see that a high priest breastplate is referenced; one that contains precious gems including topaz, sapphire, agate, onyx and jasper (and that’s just for starters!). Yeah, it really is important to not just throw judgments around like confetti — know of what you are actually speaking of first (because that’s what Matthew 7 is really all about).
I did think it was important to mention that for potential skeptics about why this article even exists. Because although there are Scriptural and evenscience-based individuals who roll their eyes at the power of what gemstones and crystals can (possibly) do, I’m pretty sure that some of you are not surprised that the holistic and Ayurveda worlds see it all very differently.In those realms, energy plays a big role in physical, emotional, and mental health, and crystals are believed to cultivate balance or intensify certain feelings or experiences through that said energy.
That said, when it comes to sex, specifically, there are certain stones (which are basically what crystals are;in fact, all gemstones are a type of crystal) that are believed to help make intimacy even more satisfying. If you’re curious about which ones are, I’ve got 10 for you below.
10 Crystals That May Enhance Your Intimate Life
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1. Garnet
Garnet is a rich shade of red that happens to be January’s gemstone. It’s considered to be one of the oldest gemstones around, one that Egyptians believed was a symbol of life and something that they oftentimes wore in their signet rings. As far as symbolism goes, garnet also represents love and vitality as well as energy, passion and even self-confidence — all of which are quite relevant when it comes to having an active and fulfilling sex life.
2. Amethyst
Queen Cleopatra and Leonardo da Vinci are just two powerful figures who were big fans of the purple gemstone amethyst. Interestingly enough, it is February’s birthstone — the month that Valentine’s Day falls under. Another interesting fact is many early Christians relied on this gem in order to increase their spirituality while many Greeks used to see it as a stone that provided protection. When it comes to intimacy, amethyst is also associated with love and devotion as well as feelings of calm and reduced anxiety — and since the less calm you feel, the easier it is to climax…well. #wink
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3. Orange Carnelian
Looking to experience more joy and happiness? Or maybe you want to strengthen your friendships. Or perhaps it’s time to increase your pleasure levels or to go into deeper levels of sensuality. For all of these things, orange carnelian is a top-tier pick. As I did a bit more research on this stone, it’s considered to be a royal one and something that can bring forth peace. One of my favorite things about orange carnelian is it comes in different hues of orange — the deeper the color, the more passion it exudes. Just an FYI.
4. Rose Quartz
If you want to take your romantic relationship to another level, rose quartz has a solid reputation for helping to make that happen for you. In fact, this pink crystal is oftentimes referred to as being the stone of unconditional love because it encourages the wearers of it to both give as well as put themselves in the position to receive love too. Since rose quartz is also tied to things like emotional healing, restored trust and harmony, if you’re looking to make a much deeper intimate connection with your partner, this just might be the stone for you.
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5. Rhodochrosite
Rhodochrosite is a red-rose colored stone that I personally hold dear. I say that because, as a survivor of sexual abuse, it is one that helps recovering individuals to work through sexual trauma (and trauma, in general). It is associated with love, compassion and strength as it helps you to process your emotions in a positive way, so that you are able to effectively release past pain and deal with any PTSD that you might have. You know, I know a wife who sexually struggled in her marriage for years because she had been sexually assaulted in college and never told her husband.
A stone of compassion is a precious one — including when it comes to dealing with sexual trauma and intimacy challenges and learning how to face them. Salute to this stone right here.
6. Citrine
Citrine is November’s birthstone and its rich yellow color explains why it represents things like abundance, prosperity, radiance and happiness. Aside from this, whether you’re seeking clarity, you’d like to be more creative or you’re interested in becoming more sensual, citrine encourages all of this. Sensuality is a dope word because it’s all about appealing to all five senses; especially during intimacy. To learn more about how to do that, check out “How To Incorporate All Five Senses To Have The Best Sex Ever.”
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7. Red Jasper
While doing my own research on what red jasper represents, what I liked the most is it’s something that encourages emotional stability which is always a wonderful thing to have. Although it is a fiery red color, it also contains grounding properties and it symbolizes strength, courage and, another word that can always make sex more pleasurable: stamina. Since stamina is what helps both men and women to last longer during sex, anything that is a “stamina hack” earns an automatic mention when it comes to sex-themed content — including this.
8. Clear Quartz
A fun fact about quartz is it’s one of the most common minerals on this planet. When it comes to clear quartz, specifically, I like the way that it looks because it’s either a cloudy white or something that you can see straight through. As far as its symbolism is concerned, if you want to reduce physical discomfort, remove distractions and focus more on heightened levels of yourself, this crystal represents all of that. Clear quartz also encourages healing, spiritual growth and balance. To me, it seems like if you want to cultivate a spiritual or meditative (check out “What Exactly Is 'Orgasmic Meditation'?”) experience with your partner, clear quartz is a stone to try.
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9. Shiva Lingam
I ain’t got no lies to tell you — when I first happened upon this particular stone, the first thing that came to my mind was an article that I penned for the site back in the day entitled, “Blow Your Man's Mind By Giving Him This Tantalizing Massage.” That’s because it explains what a lingam massage is and, as you can see, this crystal has that word all up in it. The history of lingam is a bit layered (you can read about it here); however, because it is considered by many to be a phallic symbol and that typically represents the penis — shiva lingam is a neutral-colored crystal that represents both sexuality as well as fertility. Shocking, right? #sarcasm
10. Pyrite
It doesn’t escape me that it’s kind of funny that I’m closing this out with a crystal that has the nickname “fool’s gold.” That’s due to its appearance. That said, it’s also a stone that has some interesting symbolism to it. Since it comes from a Greek word that means fire — of course, it’s a crystal of passion. Since it also taps into things like heightened energy, self-esteem, creativity, awakened senses and the removal of toxic thoughts — if any stone should be in your “let’s get it on” crystal collection, pyrite would be the one!
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Know what’s kinda wild? While I was on Etsy’s site looking for another moonstone, a sake popped up in my feed on what the merchant calls their “libido crystal set” — and six of the 10 stones that I’ve mentioned throughout this article are featured in the collection.
Yeah, I’ll take that as a confirmation that whether you purchase a piece of jewelry that has one (or more) of these stones or you buy a piece of crystal itself to place somewhere in your bedroom — just putting your own energy into wanting a better sex life is a powerful step in the right direction to achieving it.
And what science can’t refute is the benefits of positive thoughts and actions — crystals or not.
So, if precious stones are totally your thing — enjoy, sis. Enjoy!
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