

It's kinda crazy how, every year, many of us will tell ourselves that we won't overspend on the holidays the next year—only to turn around and rinse and repeat. Well, after a year like 2020 (whew chile), if there was ever a time when counting our pennies and making them stretch mattered, this would have to be it.
I know we're down to the wire when it comes to just how close we are to Christmas. Still, believe it or not, you can save a good little chunk of change leading into it. All you've got to do is apply at least 3-5 of the money-saving hacks that I'm about to share and you could find yourself easily pocketing $500 by December 25th. No joke.
1. Get a Side Gig
Back before Upwork decided to up and charge folks (aside from the huge percentage that they already take out of the gigs that you get on their site), I made some pretty good extra money on their site. It was cool to know that if I had a bill coming up, I could pitch my portfolio to a client who was in need of some last-minute work and get paid by the end of the week. While more times than not, the money wasn't super mind-blowing, it was steady and I could easily make $750-1000 a month. So yeah, out of all of the tips that I'm about to share on how to accumulate $500 over the next few weeks, probably the most obvious one is to consider getting a part-time job or getting in some contract work between now and ho-ho-ho day. If you need a little bit of inspiration, Millennial Money Man has 40 side hustle ideas. You can check out the list here.
2. Budget
I remember once reading an article that stated fewer people are budgeting, even though they know that they should. And boy oh boy, should they. When it comes to this year specifically, if you take the pandemic, job losses, evictions, food shortages and the mass amount of folks who don't have any type of health insurance, those are reasons enough to be intentional about counting every coin—about making sure that you hold every penny accountable.
Back when I didn't budget at all, man, it really was a trip, just how much money I wasted. It was nothing to go into a store, thinking that I was going to spend ten bucks, only to end up spending 75 of 'em. That's because, when you're not paying attention to how you're using your money, you really can throw a lot of it down the drain on things that are, at the end of the day, pretty inconsequential. So yeah, if you want to keep a little more money in your pocket this Christmas, the first thing you should do is put a budget together. And listen, don't think that you've got to spend every coin once you've decided where it should go either. At least until the new year rolls around, consider only getting the things that you absolutely need while putting the rest into a savings account. Trust me, the "wants" will still be there in 2021. Get them when you can better afford them. Oh, and if you'd like to check out a few budgeting apps, you can do so right here.
3. Use Your Debit Card
This money-saving hack is one that I used to really underestimate yet trust me, when you apply it, it really does work. Instead of pulling cash out from an ATM, commit to using your debit card (not your credit card; if you wanna save money, you might wanna scale back using it too) instead. The reason why I say this is because, if you pull out $20, it's a lot easier to spend all of it rather than if you use your card, so that it only takes out the exact cost of the purchase. If you apply this tip to the budget point that I just made, you can end up saving, at least a $100-200 easily each month.
4. Get Generic Brands
Did you know that you can easily save 20-30 percent of the money that you currently spend by opting to purchase generic brands of items? What are some examples? Canned foods. Cleaning products. Vitamins. Pet food. Shampoo, soap, and lotion. Baby formula (lawd, baby formula is high!). Bottled water. Baking supplies. Cereal. Gas.
For instance, say that you spend $150 every week at the grocery store. If you go the generic route on everything that I just mentioned, you could easily pocket $45. 45 times 4 weeks is 180 and 180 times 2 months is 360. $360 saved. See how easy that was?
5. Nix the Netflix
Netflix is like entertainment crack for a lot of folks. And just like a crack dealer, once it had subscribers good and hooked, they decided to increase the price. From what I've read, the standard plan is now $14 a month while the premium tiers are now $18. Cutting Netflix out altogether (at least for a little while) could give you $28-36 back. Hey, it might not seem like much but that will be an extra $50-60 dollars that you'll have to play with by the end of December.
While we're on this topic, if you've got a cable plan, temporarily disconnecting it could probably get you super close to $500 in two months too. My cable/internet package is $150 before taxes; taxes puts it at around $170. $170 times 2 is $340. Trust me, I have this conversation with myself, at least once a month (le sigh).
6. Skip the Nail Salon
I know a lot of folks are out here acting like we're not still in a pandemic (we are by the way) and so they're out here wilin' on the going out tip. That said, I personally don't think that there's anything wrong with getting your hair or nails done, so long as the salon that you go to follows proper COVID-19 protocol (appointment-setting to cut down on traffic, mask-wearing, etc.). What I will personally say is used to be an avid nail salon person. I would get powder put on my natural nails and then, there's no telling what kind of design I would get, every other week. That bill would easily be somewhere between $50-80 a pop. Then, if you added my pedicure into the mix, that was another $40 (before a tip). Now, since I'm not out in these streets, I've kept my nails alone and I only get a pedicure once a month. That's $100-160 back into my pocket. You might not wanna apply this personal saving hack, but it's just something to think about (check out "Uh, About That Salon Manicure. How To Treat Your Nails While You're Stuck At Home.").
7. Use Coupons
It's when I actually use coupons that I find myself mad-and-some-more-mad that I don't use them more often. Coupons at the grocery store have easily saved me $25 or so every visit and promo codes (like the ones on RetailMeNot's website)? Whew, don't even get me started on those. I actually read that, by using coupons regularly, we save ourselves $30-50 each week. 50 times 4 is 200. 200 times 2 is 400. $400. Just sayin'.
8. Don’t Eat Out (or Order Takeout)
I don't know about y'all, but I've had my fair share of takeout during this year. Something that comes into my mind, at least every fifth order, is an article I read about the fact that the average American spends a whopping $3,000 each year on going to restaurants or ordering food delivery. Three thousand bucks, y'all.
So, you already know what I'm gonna say. If you order takeout pretty frequently, you can easily save—looka here—$250 a month but opting to cook for yourself instead. It might be less convenient, but it can sho 'nuf put some real dollars into your pocket if you do it.
9. Fast from Alcohol
I think all of us enjoy a tall glass of something, every once in a while. At the same time, trips to the liquor store ain't all that cheap either. Why the site The Thrillist decided to go with Smirnoff and Grey Goose as the bottles they wanted to share the prices for across the country is beyond me, I'll just say that in my state, a bottle of Smirnoff is reportedly $11.09 per bottle while a bottle of Grey Goose is $25.39. As you can see, drinking can pull up quite a tab. So, if you're just at the point of clearing $400-450 or so, not purchasing alcohol until New Year's Eve is another way to reach your $500 goal.
10. Don’t Forget About the Sex Jar
A couple of years ago, I wrote the article, "5 Reasons Why Every Married Couple Needs A Sex Jar" and I still firmly stand by it. If you're skimming this article and don't have time to click on links, the gist is, that every time you have sex with your partner, you put money into a jar. Then, at the end of every 3, 6, 9, or 12 months (the longer you wait, the better), you count up your collection and spend it on something that you both will enjoy. The real catch about this extremely fun money-saving approach is, the amount of coins that you collect is totally up to 1) how much sex you have and 2) how much money you put in. Yet just think—if you had sex, every day, from 11/15 until 12/20 and you each put two dollars into the jar, that's $100 right there. A series of orgasmsand some extra money to spend on Christmas! Just something to think about, sis. #wink
Featured image by Shutterstock
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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. ;)
Eva Marcille On Starring In 'Jason’s Lyric Live' & Being An Audacious Black Woman
Eva Marcille has taken her talents to the stage. The model-turned-actress is starring in her first play, Jason’s Lyric Live alongside Allen Payne, K. Michelle, Treach, and others.
The play, produced by Je’Caryous Johnson, is an adaptation of the film, which starred Allen Payne as Jason and Jada Pinkett Smith as Lyric. Allen reprised his role as Jason for the play and Eva plays Lyric.
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.
Je-Caryous Johnson Entertainment
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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Feature image by Leon Bennett/WireImage
As Told To: 'I Spent $10K On A Dating Coach & Now I’m Married To The Love Of My Life'
As Told To is a recurring segment on xoNecole where real women are given a platform to tell their stories in first-person narrative, as told to a writer.
This is Shirley Williams' story as told to Sheriden Chanel.
When I decided to become the CEO of my love life, it cost me over $10K.
Trust, sharing that choice online came with a lot of opinions I didn’t ask for. $10K on a dating coach? Yeah, I did that. And less than two years later, I’m married to the man I prayed for. So if you’re wondering about the ROI... let’s just say it paid off in full.
But before all that, let me take you back to how this journey really began.
When I resolved to walk away from my 13-year relationship, admittedly, I wasn’t thinking about dating at all. My ex was a good man. He was kind, he was cool, but I knew he wasn’t my man. God knew that, too, even before I did.
We had reached a fork in the road: I was growing deeper in my faith, wanting to center God in every part of my life, including my purpose. He was walking a different path, and we were no longer aligned. Turns out, you can spend 13 years with someone and still be emotionally malnourished.
As our relationship came to its end, I learned that longevity isn’t proof of alignment. I learned that a man being “good” isn’t enough. A man can be kind but not called to walk beside you in your purpose. That being unclear about your values will always cost you time.
And delaying your desires in the name of comfort? That’ll cost you even more. I knew I never wanted to make that mistake again.
Still, even knowing it was right to let him go, walking away felt like mourning a death. I dated casually after that: flings and situationships here and there. But they took more than they gave. I was left depleted more than fulfilled, so I made a conscious decision to stop dating altogether.
Around the same time, my mother was diagnosed with a brain injury that left her unable to form short-term memories. My sister and I became her caregivers along with my dad. But just as I got her stabilized, my father was diagnosed with blood cancer. At one point, he was bedridden.
So no, I wasn’t thinking about love. I was thinking about survival.
For two years, I didn’t give out my number. Didn’t go on a single date. I was tired, mentally, emotionally, and spiritually. But not just from dating. From everything.
Those two years weren’t about fear, they were about focus. I was caregiving, grieving, and building a startup from the ground up. I had nothing left to give romantically. So when my birthday came around in September 2023, I knew I needed stillness to replenish what I had lost.
I went to Joshua Tree alone, I booked a tiny home in the middle of the desert, and I told myself: “I’m going to be still.” For five days, I read, prayed, fasted, and listened to jazz and classical music. No distractions.
Courtesy of Shirley Vernae
On the drive back to LAX, it hit me like a ton of bricks, and I couldn’t unsee it: I had invested in every other area of my life, except my love life. I realized then that my love life deserved a strategy, too.
So, I did what I always do when I want to grow in an area: I found someone wiser. I found an expert who could guide me in the form of a dating coach, and I hired him. Because love is too sacred to leave to chance. And I was finally ready to build it on purpose.
To some, hiring a dating coach might’ve looked like desperation. But desperation doesn’t look like pausing for two years, it looks like settling for crumbs and calling it a meal. You’ll mistake attention for affection, and chaos for chemistry. Desperation doesn’t discern. It just consumes.
That wasn’t me. Not only was I not desperate, but I was a little too comfortable being single.
I didn’t invest $10K+ in a dating coach because I was desperate. I invested because I was done repeating old patterns. Strategy is getting honest about your desire and then building a pathway toward it with clarity, with guidance, and with God.
I had invested in every other area of my life, my business, my health, and my growth. Why would my love life be the one place I left to chance?
So no, I wasn’t desperate. I was ready. Ready to stop guessing. Ready to stop wasting time. Ready to become the kind of woman who could receive the kind of love I prayed for.
But before I could become her, I had to face the parts of me still holding on to old beliefs.
When I walked away from that relationship and got into therapy, everything shifted. My therapist helped me unpack my wounds, my conditioning, and the patterns I couldn’t see on my own. And when the fog cleared, I was 100% sure: God had given me this desire. And I was not going to let doubt, distraction, or misalignment steal it from me.
This wasn’t just about having a plan, it was about being in divine alignment.
Between 2023 and now, I’ve invested close to $12,000 in coaching. I joined Anwar White’s Get Your Guy program in October 2023. The program was $7,500 over six months—that’s $1,250 a month, less than some people spend on luxury items they’ll outgrow. And for me? It made perfect sense.
After starting the program, I met my now-husband that December. We became official in spring 2024, and he proposed in January 2025.
But the real shift wasn’t him. It was me. I no longer chased anything—not men, not clients, not friendships. I stopped striving and started trusting. I started existing, and I let what was aligned come to me.
And when he came, he came steady. Consistent. Intentional. Reliable. Joyful. He was deeply committed to my happiness before anything else. He doesn’t move unless it’s with care for my heart.
With him, there is no performance. No eggshells. No pressure. Just alignment.
We walk together, in purpose. I now have a partner who is in service to me, not in competition with me. A partner who lightens my load. Mentally, emotionally, and spiritually. He helps me think. Helps me build. Helps me breathe. He makes my life easier, and that is something I had never experienced before.
I still reinvest in my love life by continuing to work with Anwar. His programs have taken me from dating, to courting, to exclusivity, to engaged, and now to being married. Because each of those phases required a new version of me. Because I had never been here before.
@shirleyvernae I hadn’t been on a single date in 2 years. Met my fiancé last year and got engaged 2 months ago. You’re the CEO of your love life. It’s time to act like it ❤️ # CEO ##Fiancé##Engaged##Relationships##Dating##Engagement
Through Anwar’s program, I was gifted the most pivotal mindset shift of them all:
That love doesn’t have to feel like a struggle. And that’s my new standard.
One of the most powerful things Anwar said to me was, “You can’t do the wrong thing to the right guy.” And that truth set me free.
Before working with him, I thought love had to be proved. Performed. Earned. I thought I had to be perfect. Healed. Small enough to fit into someone else’s version of love. But that was never true.
There are men who are devoted to creating ease in your life. Men who see your softness as strength and your boundaries as beauty.
My now-husband, Ty, is one of them. He is steady. He is consistent. And no matter how much I struggled, no matter how I tried to self-sabotage, he stayed anchored in one mission: to bring ease, to bring peace, to bring safety.
So the shift? I stopped performing. I started discerning. I raised my standards. I stopped doubting. And I let myself be held.
Yeah, the biggest shift was realizing I am worthy of love that doesn’t come with chaos. Love that’s safe. Love that’s solid. Love that’s soft.
That’s what happens when you stop settling and start showing up with faith, clarity, and strategy. That’s what happens when you become the CEO of your love life.
Being the CEO of my love life meant I stopped outsourcing it to luck, fate, or vibes. I no longer left it up to chance or timing, or wishful thinking. Just like I build businesses with vision, strategy, and intentional partnerships, I built a love life that reflects those same values.
A good CEO doesn’t try to do it all alone. A good CEO casts vision, brings the right experts to the table, delegates with wisdom, and trusts the process. That’s exactly how I approached love. I partnered with God. I partnered with mentors. I aligned my actions with my desires. That’s not control, that’s stewardship. And that’s what changed everything.
I knew sharing my journey online was going to stir something up. And it did. Some people were inspired. Some were uncomfortable. But their discomfort wasn’t about me. It was about what my story confronted in them: scarcity, shame, old beliefs about what’s “worth it” and what’s not.
And I’m okay with that. I’m not here to be liked. I’m here to be aligned. That’s my assignment.
To the woman who’s feeling discouraged, let me say this: Time is a tool, don’t let it become your tormentor. You are not late. You are not behind. You are not disqualified. Your desire for love is not shameful, it’s sacred.
Don’t let what society says, what the media projects, or what a non-believer has spoken over you define what’s possible. The only thing that’s true is what God has said. And God has said, “All things are possible to him that believes.”
If you’re feeling stuck, let that be your invitation to do something different. You don’t have to do this alone. Ask for help. Get support. Find a coach, a mentor, a couple you admire—not the shiny ones on social media, but the ones who’ve walked through fire and still chose each other.
Date with intention. Choose love on purpose. Marriage is a gift from God, and it is never too late to receive it. There is strength in being seen, supported, and walking in purpose together.
And for my Black women especially, softness is your superpower. Discernment is your birthright. You are the prizeand the picker. Dating with intention isn’t about being aggressive, it’s about being aligned.
We are not desperate. We are divine. Even in your healing, even in your becoming, know this: you can never do the wrong thing to the right guy.
And the right guy? He’ll meet you right there: in your wholeness, and in your work-in-progress.
To keep up with Shirley Vernae Williams and her journey as a storyteller, producer, and love life CEO, follow her on Instagram @shirleyvernae and learn more about her work at williebstudios.com.
Featured image courtesy of Shirley Vernae