In case you haven't noticed, we are in the midst of a collective awakening. And even as consumers, we are demanding the truth when it comes to brands and how we spend our dollars. With truth comes personal accountability and increased awareness. Now in order to build generational wealth and make sure your legacy has a seat at the table (or the resources to construct their own), we have to stop putting band-aids over our "money wounds" and start thinking long-term about our less stressed and financially-free FUTURE selves.
My mission is to normalize money conversations and to create a safe space for dialogue to increase financial and emotional wellness.
Just like with your healing journey, it is your personal responsibility to seek out resources to elevate your money mindset on your path to financial wellness. I mean, that's why you're here, right? And the good news is that many of you are already out here doing THE WORK (yes, the grueling, unattractive personal work that doesn't typically make it onto the social media highlight reel). So while you are ELEVATING sis, here are some tangible tips to help you eliminate debt and stop the bleeding:
1. Break Your Pay Down Into A TIME VS. MONEY Comparison
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Time is the only nonrenewable resource. Break your pay down into how much it costs you per hour. For example, if you make $25 and want to purchase something that cost $200, that's 8 hours of pay (and of your day). Now ask yourself, is this time vs. money exchange really worth it or do you prefer to allocate my pay in another way (BARS)? If you decide against the purchase, decide whether or not it would be worth it to throw the money you thought about spending on a splurge towards your purpose. Ask yourself if you should allocate those funds to a major stressor in your life and knock out some debt sooner so that you'll eventually acquire more disposable income for the things you really want to do later in life. Instant gratification in a small sacrifice in the grand scheme of creating the life that you want.
2. Sleep On It
Give yourself a certain number of days to think before you make a purchase that is not a NECESSITY or an investment in bettering yourself. For example, anytime you make a purchase that is entertainment, clothing, or NOT need-based, sleep on it for three nights and then decide if you really need it. You may find most of your purchases are emotional.
Sitting with your feelings (taking note of what you are feeling or what happened when the urge to splurge comes up) and increasing your emotional intelligence will allow you to dodge making impulsive decisions to fill a void perhaps linked to a source of pain that may be outside of your awareness. For example, you don't have to be SEEN through what you wear to feel SEEN in a society that has marginalized you if it sets your bank account back and sends you down a slippery slope of guilt, shame, and avoidance. If no one has ever told you, you are enough just as you are. The rest is a luxury, and luxury my dear is meant to be comfortable.
3. Do A Subscription Review
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Monthly subscription services are all the rage. The problem? They add up quickly and many times we have them on autopilot, completely forgetting that it comes out of our account every month. Is this a coincidence or a brilliant sales strategy? Take a quarterly inventory of these and release yourself of the ones that you don't or rarely use or find more economical options and start allocating those autopayments to the debts you are looking to eliminate!
Common subscription service culprits include: gym memberships, Amazon, hair vitamins, themed box subscriptions that you really don't use, streaming services, lead generation if you're a business owner but aren't using the leads etc.
4. Try The SNOWBALL Effect
Or let's use the bowling ball analogy. Whichever you prefer, target a certain debt or "pin" that you want to knock down. A good way to select your "pin" is tackle the smallest debt or the one that is the biggest thorn in your side and greatest point of pain. Use the money you are saving in the tips above and begin to aggressively attack those debts. Once you've paid that one off, the monthly payment you had now becomes leverage to snowball into the next debt. Keep letting the (snow)ball roll until you have a domino effect and eventually you will be debt-free.
5. Consider A Balance Transfer
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Balance transfers are a great way to hit the reset button and help get out from under compounding interest where you're paying interest on yesterday's interest. A balance transfer allows you to reset your debt at 0% interest for 12 or 24 months (find the right introductory offer) with a fee. Make sure you have the funds available to attack the debt and pay off the WHOLE thing before the introductory period ends and set it up on autopay. Your future self will thank you for it. Your birthright is not to survive, but to THRIVE.
6. Make Autopay Your Friend
I talk to many people and clients who wait to pay their rent or credit cards until the last day because they don't want the creditor to have the money. Then what happens? They owe the creditor more money in fees because they forgot to pay it...sometimes requiring all the interest over the introductory period of no interest being called due. Hold yourself accountable and make autopay your friend. Don't let your ego get in the way and cost you more money that could go towards a debt.
7. Use Your Home As A Bank
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Now, if you are a Dave Ramsey fan, this might make you question your life. But the truth is, fixing your finances is not one size fits all. I have a lot of respect for Dave and agree with many of his principles. However, there are some that I disagree with... like requiring 20% down payment to purchase a house (not to mention missing out on free money through the form of DPA, down payment assistance). If you are buying in a good market, by the time you saved 20% for your down payment (or waited for a gift from your parents who don't have generational wealth to pass it to you), your home value could have increased significantly and you could be getting cash out for another investment. EQUITY is paper, and if you don't use it you lose it during downtimes.
If you are a responsible person who has a tendency to pay more than the minimum payment on your credit cards and debts, then this may be a great way for you to feel relief from massive monthly payments of credit cards and student loans.
8. Figure Out Who You Really Are, What You Really Want And What's Your Definition Of Success
This will allow you to be proactive and identify what debts if any are critical to your goals and dreams. If formal education is important to you, student loan debt may not be a bad idea. Just make sure the ROI (Return On Investment makes sense) based upon the field you are going into or going back to school for. Many of us can relate, I started out pre-med to achieve the highest level of formal education and took another direction. Never be afraid to reinvent yourself. Stay true to you. Life is about balance and is meant to be enjoyed. Hustling for our worth is hustling backwards. Trust me, I've been there and didn't even know the source until I got to the root of the need for my own validation and started to peel back the layers of my own money story.
To see true, lasting change, it's time to have some real, open, and brutally honest conversations with a trusted advisor, therapist, or money and mindset coach. Be real with yourself about the reasons you make purchases regardless of whether you do or don't have the money. Is it to be seen, or to feel worthy or validated? Is it an inability to say no or a byproduct of people-pleasing? Don't get me wrong, life is meant to be enjoyed and living your best life or stunting from time to time while acting your wage is perfectly fine.
Issues arise when our life becomes a full-time stunt like a Big Tymers music video and our budget doesn't match the image or persona we are putting out.
It's time for us to evaluate what we really want and need out of life and who we really do things for that continue to set us back from our authentic selves. Inner peace is the real bag and eliminating debt is key. Are you ready to secure it, QUEEN?
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I Cleared $35K Worth Of Debt While Making $12 An Hour
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Her captivating command of the pole left many of us intrigued, perhaps even tempted, to explore pole dancing ourselves after witnessing the mesmerizing performances at Mercedes Sunday. But it wasn’t just her physical prowess that kept us hooked. Mercedes is a character of depth—empowering, complex, relatable, and deeply human.
These are qualities that Brandee embodies both on and off the screen.
(L-R) Marque Richardson and Brandee Evans on 'UnPrisoned' Season 2
Courtesy: Hulu
A Memphis native, Brandee is no stranger to dance. She boasts an impressive career as a choreographer, having worked with renowned artists like Katy Perry, Monica, Ke$ha, and Ledisi. But while it has been a significant part of her journey, Brandee has her sights set on more—expanding her acting career beyond dance-inclusive roles. This ambition nearly led her to pass on the opportunity to appear alongside Kerry Washington in Hulu’s UnPrisoned, where she plays Ava, Mal's (Marque Richardson) new girlfriend.
“When Kerry Washington slid into my DMs, I nearly said no,” Brandee revealed with a laugh. “She mentioned pole dancing, and I told myself and my team that once I was done with Mercedes, I wasn’t going to do that again.” Fortunately, Washington assured her that the role would be vastly different, leading to what Brandee described as an invaluable masterclass in comedy under the guidance of Washington herself.
“Kerry is a force of nature,” Brandee reflected. “She’s everything you’d hope she’d be—strong, compassionate, and incredibly talented. Working with her was like a masterclass in acting.” This opportunity was no mere stroke of luck; it was something Brandee had manifested years earlier. But make no mistake–she credits her faith and praying hands for her success. “I’m praying, you know what I mean? I’m asking God for what I want and working for it too,” she said.
"When Kerry Washington slid into my DMs, I nearly said no."
(L-R) Brandee Evans, Kerry Washington, and Marque Richardson on 'UnPrisoned' Season 2
Courtesy: Hulu
This role marked Brandee’s first foray into comedy, and while she was eager to embrace the challenge, she found herself in the hands of an incredible mentor. “Kerry was always so kind in her critiques,” Brandee noted. “She’s not a diva by any means. She knows exactly what she wants, but she’s gentle and encouraging in bringing it out of you. That’s something I’ve taken with me to other sets—I want to lead with the same kindness and openness that Kerry showed me. It’s a lesson I’ll carry for the rest of my life.”
Brandee speaks with profound respect and gratitude for her peers and fellow actresses as many have shown her genuine sisterhood and support in an industry often notorious for its competitiveness. “Danielle Brooks sent me a prayer the other day, and I was just so touched. Those are the moments that people don’t see,” she shared. “I call Sheryll Lee Ralph my fairy godmother, and Loretta Devine is like my auntie. Being able to pick up the phone and seek advice from these incredible women is a true blessing.”
And she pays it forward.
Brandee Evans
Courtesy: Hulu
But her commitment to supporting others extends far beyond her career. As an advocate for health and wellness, she empowers women to prioritize their well-being. “Azaria [Carter], who plays my daughter on P-Valley, mentioned wanting to start a weight loss journey and get more fit. I told her, ‘Well, let’s work out together,’” Brandee recounted. But her dedication to healthy living goes beyond physical fitness, encompassing a holistic approach to wellness. “When she came to my house and tried to microwave something in plastic, I said, ‘Let’s use glass instead. At 20, I wasn’t thinking about that, but let me share some tips now so you’re not battling fibroids in your 30s.’”
Because she was.
While filming the first season of P-Valley, Brandee faced enormous stress—not only as a caregiver for her mother, who was diagnosed with multiple sclerosis, but also due to the physical demands of the role. Yet the impact on her body was far greater than she expected. “I was literally on my cycle every day while playing a stripper, which is far from ideal,” Brandee revealed. It was Harriet D. Foy, who plays her mother, who urged her to get checked for fibroids.
"I was literally on my cycle every day while playing a stripper, which is far from ideal."
Brandee Evans graces the 2024 ESSENCE Black Women In Hollywood Awards Ceremony.
Arnold Turner/Getty Images for ESSENCE
The statistics are staggering—80% of Black women develop abnormal uterine growths by age 50, making them more likely to suffer from fibroids than any other racial group. But like many, Brandee was initially unaware of these growths and their debilitating effects, and the prospect of surgery was daunting. “I was scheduled to have a myomectomy on my birthday, but I thought about what it would mean for my career. How am I going to climb the pole? The healing process is similar to a C-section.” Determined to avoid surgery, she committed to healing herself naturally.
After a deep dive, she sought treatment at The Herb Shop of Vinings in Atlanta, which ultimately led to a remarkable recovery. “This man saves lives. His name is Jeff, and I call him my doctor.” Brandee shared. “I started detoxing my body with herbs and following his program. During my follow-up with the gynecologist, they said, ‘We don’t know what you’re doing, but your fibroids are shrinking.’”
Emerging on the other side of this journey not only fibroid-free but with a regulated cycle and a renewed outlook on life, Brandee is now focused on sharing her story and advocating for women’s health. “I know y’all want to hear about P-Valley, but I want to talk about regulating your period,” she said with a laugh.
Of course, she didn’t leave fans hanging when it came to what to expect in the upcoming season. “It is worth the wait. The world is about to go crazy. Oh, the world is about to lose it,” Brandee teased. “Y’all might be mad at us right now, but baby, it’s going to be worth it.”
All episodes of Season 2 of UnPrisoned are now streaming on Hulu.
Featured image courtesy of Hulu
While an evolution is a natural progression that happens as businesses grow, a rebrand is a total change. Lola tells xoNecole, "A total rebrand is necessary when a business’s current reputation/what it’s known for is at odds with the business’s vision or direction.
"For example, if you’ve fundamentally changed what your product is and does, it’s likely that your brand is out of alignment with the business. Or, if you find your company is developing a reputation that doesn’t serve it, it might be time to pump the brakes and figure out what needs to change.
She continues, "Sometimes you’ll see companies (especially startups) announce a name change that comes with updated messaging, visuals, etc. That usually means their vision has changed or expanded, and their previous branding was too narrow/couldn’t encompass everything they planned to do."
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The Brand Doula was born in 2019, and its focus is on putting "the experiences, goals, and needs of women of color founders first," as well as brands with "culture-shifting missions."
According to Lola, culture-shifting is "the act of influencing dominant behavior, beliefs, or experiences in a community or group (ideally, for the better)."
"At The Brand Doula, we work with companies and leaders that set out to challenge the status quo in their industries and communities. They’re here to make an impact that sends ripples across the market," she says.
"We help the problem solvers of the world — the ones who aren't satisfied with 'this is how it's always been' and instead ask 'how could this be better?' Our clients build for impact, reimagining tools, systems, and ways of living to move cultures forward."
The Brand Doula has worked with many brands, including Too Collective, to assist with their collaboration with Selena Gomez's Rare Beauty and Balanced Black Girl for a "refresh," aka rebrand. For businesses looking to rebrand, Lola shares four essential steps.
1. Do an audit of your current brand experience — what’s still relevant and what needs to change? Reflect on why you’re doing the rebrand in the first place and what success would look like after relaunching.
2. Tackle the overall strategy first — before you start redesigning logos and websites, align on a new vision for your brand. How do you want your company to be positioned moving forward? Has your audience changed at all? Will your company have a fresh personality and voice?
3. Bring your audience along the journey — there’s no need to move in secret. Inviting your current audience into the journey can actually help them feel more connected to and invested in your story, enough to stick around as changes are being made.
4. Keep business moving — one of my biggest pet peeves is when companies take down their websites as soon as they have the idea to rebrand, then have a Coming Soon page up for months! You lose a lot of momentum and interest by doing that. If you’re still in business and generating income, continue to operate while you work on your rebrand behind the scenes. You don’t want to cut existing customers off out of the blue, and you also don’t want so much downtime that folks forget your business exists or start looking for other solutions.
While determining whether the rebrand was successful may take a few months, Lola says a clear sign that it is unsuccessful is negative feedback from your target audience. "Customers are typically more vocal about what they don’t like more than what they do like," she says.
But some good signs to look out for are improvements in engagement with your marketing, positive reviews, press and increase in retention, and overall feeling aligned with the new branding.
For more information about Lola and The Brand Doula, visit her website, thebranddoula.com.
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