Growing up, my parents always told me to save my money. Did I always listen? Of course not, but it’s one of the pieces of financial advice that I remember. I was also told not to depend on credit cards. I often saw my parents use their debit cards to pay for everything, and it wasn’t until I got older that I learned how to use credit cards to my advantage.
While talking to Natalia Brown and Dasha Kennedy, I learned I wasn’t the only one who grew up with similar teachings. Natalia serves as the Chief Compliance and Consumer Affairs Officer for National Debt Relief (NDR), and Dasha is a Financial Wellness Board Member for NDR and also runs the online platform The Broke Black Girl. Together, they are educating Black women and others on debt, the good and the bad.
They each have had their fair share of unlearning to do after going through rough patches that eventually started them on their financial wellness journeys. During our interview, Dasha and Natalia debunked myths about debt and broke down the many things that helped them on their way. One of those myths is that debt is bad. While using credit cards to make purchases on things you can’t afford and will be unable to pay back isn’t a good method, leveraging debt is, especially when building wealth.
Leveraging Debt
Dasha fell into debt after going through a divorce. While she was always told not to depend on credit cards, it became her only way of survival. However, after going through that experience, she continues to share her story and provide tips on how to get out of consumer debt and use credit cards to your advantage.
“This is something that I've talked to my audience about as just a simple way to decide on leveraging debt, using debt in a way that is going to make you more money. So being in debt, whether it's you know, credit cards to pay for a class or a certification or you need to get financing for a car, like using debt in a way that is going to help you make more money in the long run,” she says.
“So then, as you make more money, you will want to be able to pay off, you know, the debt that you took on, and on top of that, your income as a whole would have increased. So that's one way to leverage debt to build wealth or money by taking care of things or expenses that you need that could catapult your career, help make, you know, income even it's like investing in like a small business that you want to do.”
“This is something that I've talked to my audience about as just a simple way to decide on leveraging debt, using debt in a way that is going to make you more money. So being in debt, whether it's you know, credit cards to pay for a class or a certification or you need to get financing for a car, like using debt in a way that is going to help you make more money in the long run.”
Research
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Debt specialist Natalia recommends that people put the same amount of effort into researching credit cards and debt as they do everything else. She explains by sharing something someone told her. “I used to do more research on a pair of shoes or you know, Amazon shopping like I go straight to the reviews and people do that without even thinking about it,” she says.
“You put a lot more effort into researching the things that you want when you're making a purchase; you can do the same exact thing with like Dasha said, is this credit card the right credit card for me? I drive a lot, so I should have a gas card, right, versus a points card because that doesn't transfer the gas, right? So, you should look at every single aspect of your life. And when you're getting to a point of using it (credit) as a tool, make sure it fits your lifestyle and do as much research as you would, you know, a new car or a wedding dress or whatever those important things are that you've done a lot of research in. You should do the same thing with your debt situation.”
Shift Your Mindset
“It was realizing what I was doing was not the right way. Because I was sticking to what I was told. And I was in a predicament, right? And there were some social pressures, right? You're supposed to do certain things as a woman,” she explains. “You're supposed to get married, have kids, and all these things, and I was following this traditional Caribbean path. That without all the right tools to understand what I needed to make that successful. So it was realizing, you know, if I keep going this way, it's only gonna get worse. So I have to do something different.
“And it was that moment that I decided just like Dasha said, to not be ashamed of it, not to hide it. I made a pact with myself. It was actually 12 years ago; it popped up on my Facebook memories where it said I'm gonna change my life this year. And I just focused on that any way that I could. I made mistakes along the way, but I learned that you know, you learn from mistakes. You can't do everything perfect. And over that year, I decided to change my life."
When she began working for NDR, she learned more about financial literacy, which further enhanced her journey. She also found out that she wasn’t alone and a lot of women are or have been in similar situations. She was no longer blaming herself for having debt and was finally letting go of the shame around it.
“It was realizing what I was doing was not the right way. Because I was sticking to what I was told. And I was in a predicament, right? And there were some social pressures, right? You're supposed to do certain things as a woman.”
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“That's actually when I started with NDR is when I decided to make that shift, right. And one of the myths I had to get over was it was my fault. It was not my fault. There are so many reasons that people end up in debt,” she says. “It could be medical, it could be a divorce, like Dasha. It could be, you know, just not having the financial education.
“At the time, it was not taught in schools, right? I just barely had a macroeconomics and a microeconomics class in college and it was only because I was in accounting that I knew how to balance a checkbook. So, it's one of those things where I just really had to let go the the shame of it, just like Dasha said, and move on, right, and take control and be confident or at least learn how to be confident as I got more knowledge.”
Finding Safe Spaces
As Dasha was learning more about financial literacy, she relied on community, particularly online. The self-proclaimed financial activist created The Broke Black Girl, which started off as a Facebook group and now has become a popular online destination that shares tips on saving, investing, building wealth, and much more.
“For me, when it came to shifting my mindset, it was finding community online, finding places that validated me. At the beginning, I had to create my own space because I didn't easily come across some that approach debt or just money as a whole in an empathetic way in an understanding, meeting you where you are type way, which is what led me to create The Broke Black Girl,” she explains.
“But then as you grow and you learn, and you find more resources, you find more communities, and I also mentioned like resources like NDR that understands that debt is not a morally wrong thing, it's not something that you should feel ashamed, excluded from having certain conversations about money and getting the help."
“But then as you grow and you learn, and you find more resources, you find more communities, and I also mentioned like resources like NDR that understands that debt is not a morally wrong thing, it's not something that you should feel ashamed, excluded from having certain conversations about money and getting the help."
She continues, “So, for me, when it came to the shift in my mindset, it was really finding communities and resources, and organizations that validated my experience. So before I could even start with any tools or tips, I needed someone to validate that I wasn't crazy, that I was making this up, and I think that was a huge play in me learning to look at debt and just money different as a whole.”
Natalia and Dasha are passionate about educating others on financial literacy. Through NDR and their personal efforts, they are hoping to make a positive impact in the lives of others and help them avoid the same mistakes they made. For more information about NDR, visit nationaldebtrelief.com.
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While speaking to xoNecole, Eva shares that she’s a lot like the beloved 1994 character in many ways. “Lyric is so me. She's the odd flower. A flower nonetheless, but definitely not a peony,” she tells us.
“She's not the average flower you see presented, and so she reminds me of myself. I'm a sunflower, beautiful, but different. And what I loved about her character then, and even more so now, is that she was very sure of herself.
"Sure of what she wanted in life and okay to sacrifice her moments right now, to get what she knew she deserved later. And that is me. I'm not an instant gratification kind of a person. I am a long game. I'm not a sprinter, I'm a marathon.
America first fell in love with Eva when she graced our screens on cycle 3 of America’s Next Top Model in 2004, which she emerged as the winner. Since then, she's ventured into different avenues, from acting on various TV series like House of Payne to starring on Real Housewives of Atlanta.
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Eva praises her castmates and the play’s producer, Je’Caryous for her positive experience. “You know what? Je’Caryous fuels my audacity car daily, ‘cause I consider myself an extremely audacious woman, and I believe in what I know, even if no one else knows it, because God gave it to me. So I know what I know. That is who Je’Caryous is.”
But the mom of three isn’t the only one in the family who enjoys acting. Eva reveals her daughter Marley has also caught the acting bug.
“It is the most adorable thing you can ever see. She’s got a part in her school play. She's in her chorus, and she loves it,” she says. “I don't know if she loves it, because it's like, mommy does it, so maybe I should do it, but there is something about her.”
Overall, Eva hopes that her contribution to the role and the play as a whole serves as motivation for others to reach for the stars.
“I want them to walk out with hope. I want them to re-vision their dreams. Whatever they were. Whatever they are. To re-see them and then have that thing inside of them say, ‘You know what? I'm going to do that. Whatever dream you put on the back burner, go pick it up.
"Whatever dream you've accomplished, make a new dream, but continue to reach for the stars. Continue to reach for what is beyond what people say we can do, especially as [a] Black collective but especially as Black women. When it comes to us and who we are and what we accept and what we're worth, it's not about having seen it before. It's about knowing that I deserve it.”
This interview has been edited for length and clarity.
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And what that could mean is there is something going on physically instead of mentally or emotionally. For example, it could be an indication that one or more of your sex hormones are a bit “off” and you need to get them back where they need to be.
That’s the purpose and goal of today’s offering. We’re going to explore how five hormones in your system play a direct role in you having a satisfying sex life, then we’re going to touch on some signs that yours may be low and what you can do about them, at home (although if these don’t work, please see your doctor), if that is indeed the case.
Ready to physically feel like having (more) sex? Awesome.
1. Estrogen
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Although estrogen is found in both men and women, there is a lot more of it in women. And since drops in estrogen can lead to things like a lower sex drive as well as experiencing challenges when it comes to having orgasms, it’s important to do as much as you can to keep your estrogen levels where they need to be at all times.
So, what aresome key indications that your estrogen levels are low? If you have super dry skin; your vagina is dry; you’re storing up more belly fat; your periods are irregular; you’re tired a lot; your sleep patterns are erratic, and/or your libido is low.
And what can you do to get your estrogen levels back on track?
Eat foods that are considered to be phytoestrogens. Phytoestrogens are considered to be plant-based sources of estrogen that could help to get your levels up. Those foods include flaxseeds, peaches, berries, sesame seeds, and cruciferous vegetables (broccoli, cauliflower, cabbage, and collards).
Take Vitamin B-Complex. The reason why it’s important to have vitamin B consistently in your system is because it plays a significant role in how your body creates estrogen. So, if you’re not currently taking a B-complex vitamin, this is as good of a time as any.
Look into Black Cohosh. If you’re someone who likes to take supplements, do some research on black cohosh. It has a pretty good reputation when it comes to elevating estrogen levels.
Drink some black tea. Are you a tea lover? If so, it can’t hurt to sip on some black tea. Although research is still ongoing, there are findings that state that some of the properties in black tea will help to elevate estrogen levels.
Live in moderation. Now this might be your “something new” for the day. Were you aware of the fact that estrogen levels actually increase in body fat? In fact,being underweightis what can decrease your estrogen. While we’re here, exercising too much can jack up your estrogen levels as well. Moral to the story with this one: stay at a healthy weight and don’t overdo it on the workout tip. When it comes to keeping your estrogen levels where they need to be, balance is key.
2. Testosterone
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Testosterone is a hormone that stimulates sexual desire in both menand women, although there is significantly more of it in men.The reason why women need it in their system is not only does it increase their libido, but it also helps to give them energy, to stay in a good mood, and it can also help to make conceiving easier.
How can you know that your testosterone levels could use a boost? If you have an irregular cycle, you’re having trouble conceiving a child; you’re low on energy; your hair is thinning; you’re losing muscle tone; you have trouble sleeping, and/or you have no real interest in sex.
If you happen to notice any of these signs, what can you do to get your testosterone levels up?
Exercise. One way to increase your testosterone levels is to exercise; however, as a woman, the key is to do things like resistance training and High Intensity Interval Training (HIIT). Both of those have the reputation for raising testosterone levels; in women, especially.
Consume more zinc. Although it’s been said for years that zinc deficiencies are directly tied to erectile dysfunction in men, there are also studies that say that many women who are postmenopausal are also low in zinc. In both cases, zinc is needed because it helps to keep hormones in balance. So, if you sense that you may be low in testosterone, perhaps take a zinc supplement or eat foods that are high in zinc, like beef, lamb, pumpkin seeds, whole grains, and eggs.
Drink less alcohol. Even though alcohol can make you feel horny for a moment, the reality is if you drink too much of it, it can actually cause your testosterone levels to tank. Bottom line with this one, pace yourself with your cocktails — especially if you already know that your testosterone levels aren’t where they should be.
Go outside. Did you know that there is a correlation between vitamin D deficiencies and pregnancy issues like preeclampsia and a baby’s low birth weight? There are also studies that indicate that when a woman is receiving a daily dose of vitamin D, her testosterone levels tend to remain strong. That said, one way to get vitamin D into your system is to take a supplement or to eat foods that are rich in them. Another is to consume foods that contain vitamin D, like salmon, tuna, and mushrooms. Still another is to spend more time outside. Definitely one of the best ways to get some “D” into you is to be in the presence of the sun. In fact, as an extra bonus, the ultraviolet radiation that comes from the sun can boost the libido of both men and women. The more you know.
Watch your stress. Two things that aren’t the best of friends are testosterone and cortisol (the hormone that creates your natural stress response). This is so much the case that when your cortisol levels are high, that can hinder your system from producing all of the testosterone that it needs. So, you know what that means, right? CHILL. OUT.
3. Progesterone
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Progesterone is what helps to keep your libido regulated. Since it also plays a pivotal role in a woman’s menstrual cycle and how her hormones respond throughout the month, women who are in the latter stages of perimenopause or who are postmenopausal should also keep their progesterone levels up in order to maintain a consistent sex life.
Signs that you need more progesterone? Trouble sleeping. Irregular cycles. Bloating. Erratic moods. Headaches.
Things that can help bring some relief to these issues?
Meditate. From what I’veread and (briefly) researched, cortisol has the ability to block your progesterone receptors, which means that it can decrease them if you are too stressed out. And that is why one way that you can boost your progesterone levels is to meditate.Since meditation can reduce anxiety, lower stress, and help you to sleep better, I’m sure you get how it can work to get your progesterone levels where they need to be.
Take Vitamin C. If you are low in vitamin C, it could impact your progesterone levels in a negative way. That’s becausevitamin C is a nutrient that actually stimulates the production of progesterone. So, if you want to get more of it into your system, take a vitamin C supplement, drink some orange juice, and/or eatvitamin C-enriched foods like cantaloupe, parsley, strawberries, papaya, and chili peppers.
Implement chasteberry tea. An herbal tea that I personally think every woman should have in her possession ischasteberry tea. Not only does it do things like reduce inflammation, bring relief to PMS symptoms, and help to improve infertility, it also helps to balance out your hormones and, yes, increase progesterone levels.
Hang out with friends. When it comes to raising progesterone levels, something that I found to be fascinating is that there are studies that say that when women hang out with each other, that can give their progesterone levels a boost. The methodology is that it reduces stress and anxiety and makes people feel more comfortable, to the point where it helps to balance out that particular hormone. Pretty cool, right?
Get on a sleep schedule. Not getting a consistent amount (preferably 6-8 hours) of rest can definitelythrow your hormones off, including your progesterone levels. That’s a big part of the reason why I once wrote “6 Fascinating Ways Sex And Sleep Definitely Go Hand In Hand.” Check it out when you get a chance.
4. Oxytocin
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Oxytocin has the reputation for being called the “love hormone.” That’s because it’s a hormone (and neuropeptide, which is a protein-like molecule) that “activates” during physical activities like kissing, cuddling, andsex.
And what are some telling signs that you are low on this particular hormone?You may feel a bit depressed;you may feel more anxious; you may notice that you don’t want to communicate and/or be affectionate with others; you may have less of an interest in sex, and/or it may be harder for you to orgasm.
Are there also things that you can do to increase your oxytocin levels on your own? Yep.
Get into some music. If you’re not in the mood for sex but you want to be, treat yourself to a long shower — and then sing in it. Believe it or not, some studies say thatsinging for 30 minutes can increase your oxytocin because it helps you to feel connected and relaxed (so can listening to music).
Hug someone. There is data all over the place that says that oxytocin is stimulated through the power of touch. That’s a part of the reason why it’s known as the “cuddle hormone.” So, just like you can get an oxytocin boost by kissing or cuddling with your partner, hugging a friend can also take your oxytocin levels up a few notches as well.
Get a massage. Sooo…when’s the last time you got a massage (check out “12 Different Massage Types. How To Know Which Is Right For You.”)? Take this as a sign that today would be a great day to book an appointment. As far as your oxytocin levels go, it’s another way that touch can come into effect while reducing stress and inflammation. And don’t get me started on where your oxytocin levels will go if your partner starts rubbing on some of your pressure points. Feel me?
Spend quality time with your bae. Speaking of partners, there are studies that also say that oxytocin levels are high when new relationships start. A part of the reason why is that there is so much intentional quality time that’s being spent, which is also good for your oxytocin levels. So, if it’s been a minute since the two of you have been on a date, plan one. Check out “10 Cheap Date Ideas For Couples On A Budget,” “15 Date Ideas Based On Your Love Language,” “10 Romantic Dates You Can Go On (In Your Own Home)” and “Dinner & A Movie Is So…“Meh.” Here Are Some Creative Takes On V-Day Dates.” for some inspiration.
Have sex. As far as physical intimacy goes, it doesn’t get any closer than sex — and here’s the thing: the more orgasms you have, the more oxytocin your body is able to produce. So, if you want more oxytocin and you’re not having (more) sex (and orgasms), that’s actually working against you… especially as far as this particular hormone goes.
5. Dopamine
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Dopamine is a hormone and a neurotransmitter that plays a role in sexual desire and pleasure.For men, it can help them to achieve and maintain an erection;for women, it can help them to orgasm (more easily).
Some indications that you may need more dopamine in your system are if you find yourself lacking drive and motivation, you struggle with concentrating, you’re moody, sleep is a struggle for you, and/or you don’t find things that you used to enjoy being very fun (including sex).
Luckily, there are things that you can even do to level out your dopamine:
Consume more protein. There is an amino acid called tyrosine that helps your body to process dopamine. That’s why it’s a good idea to make sure that protein is a part of your diet. Although you can get it from meat, there are other foods that are packed with protein as well. “Vegetarian Or Vegan? Check Out These High Protein Foods.” has a few ideas for you to consider.
Eat less saturated fat. Speaking of your diet, it’s also wise to eat less saturated fat. That’s because there are studies that say that too much of that kind of fat in your system can mess with how your brain processes dopamine. For the record, saturated fats include dairy, fried foods, and coconut oil.
Maintain a healthy gut. It has been stated that more than 50 percent of the dopamine that’s in your body is synthesized in your gut. This means that you need to be hypervigilant in making sure that your gut remains as healthy as possible. Check out “80% Of Your Immunity Is In Your Gut. Take Care Of It Like This.” for tips on how to do just that.
Take a probiotic. Speaking of maintaining a healthy gut, it’s going to be so much easier for you to do it if you take a probiotic. Plus, probiotics are known for producing the kind of “good bacteria” that makes it easy for your gut to release dopamine.
Try some oregano oil. A supplement that is full of antioxidants and may possibly boost dopamine in your body is oregano oil. Since it also helps to keep your gut healthy — hey, why not give it a shot?
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As you can see, there are so many factors that go into having a happy, healthy, and fulfilling sex life. Now that you know more about what to do for your sex-related hormones, hopefully, you can get more of what you’re looking for in your sexual experiences.
Amen? I’m saying, sis.
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