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
The couples who are always trying to make the next experience better than the last rarely are bored, nor do they end up finding themselves in a sexual rut. And the third? Not being proactively intentional about bringing all five senses into the bedroom (or wherever they choose to do it). Indeed, something that makes sex top-notch is the fact that there are super sensual ways to incorporate sight, hearing, smell, taste, and touch to it.
So, let’s do this. Let’s explore five ways for each of the five senses to be stimulated in such a way that sex with your partner won’t just be “good” — it’ll truly be unforgettable!
SIGHT
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Write a sex note. It’s probably that I’m a words of affirmation person that I wrote articles for the site like “Every Woman Should Write A Love Letter To Themselves” and “Why Writing Love Letters Is A Surefire Way To Revive Your Marriage.” Either way, there are plenty of studies out here to support the fact that your handwriting reveals a lot about your personality. For instance, outgoing personalities tend to use bigger letters while shy folks use smaller ones, and the more legible your signature is, the more confident you tend to be (illegible speaks to being more private).
Anyway, it’s thoughtful, seductive, and it reveals a very personal side of you to handwrite a sex note to your partner. It can be a story, a memory, or a fantasy. Mail it to them (even if you live together), and put it in one of their office drawers or even under their pillow. Allow them to see you in this kind of creative light.
Text a super up close or blurry pic. Speaking of seduction, no matter how many times your partner has seen you naked, there are approaches you can take that will make it feel like it’s the first time. One is to take a super close shot of a body part and ask them to guess what it is. Another is to take a super blurry one and add a message that only they will understand. It’s gonna be hella intriguing either way.
Use candlelight. If you’re someone who would prefer to have sex in the dark while your partner wants the lights on, the compromise is to go with candlelight. It’s romantic. It’s body flattering. And, if you go with some scented soy (soy burns longer) candles like jasmine, vanilla, or patchouli, the candles will create an aphrodisiac atmosphere too.
Incorporate each other’s favorite colors. Something else that I’m a fan of is color psychology (check out “Understanding Color Psychology Will Sharpen Your Lens On Life”). Not only do different colors represent different things (and can affect your mood in different ways), but wearing your favorite color can make you feel better about yourself, while wearing your partner’s favorite color can entice them all the more. Definitely, something to keep in mind as you’re out here doing some lingerie shopping (when’s the last time you did that, by the way?).
Maintain eye contact. In almost any context, maintaining eye contact with people is important. Business Insider once published an article stating that eye contact cultivates attraction, maintains a level of honesty, helps you to be more memorable, and can even make it possible for two people to fall in love. Pretty sure you can see why I added this to the “sight” list. Eye contact during sex is EVERYTHING.
HEARING
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Verbalize, in explicit detail, what you want to do to your partner. Wanna do some sex pregaming? Give your partner a preview of what’s to come by calling them out of nowhere to talk about all of the things you want to do the next time the two of you are intimate. It will definitely pique their curiosity. Plus, this is a great workaround for people who struggle with dirty talk (a tip: don’t overthink it; your tone of voice matters more than your actual words anyway. No, seriously.).
Play nature-based ASMR sounds. If you’re someone who likes to listen to music or sounds of nature during sex (more on that in a sec), it might surprise you to know that you enjoy something that’s a low-key sexual fetish. It’s called auralism, and it’s all about being aroused via sound. As far as nature sounds (like rain, ocean waves, wind, etc.) go, science says that hearing them helps to reduce stress, decrease pain, and it can also put you in a way better mood.
So, the next time that you’re trying to create some ambiance go to YouTube and find some nature sounds (many of them run on a loop for hours on end). It’s an unsung hack that can make a world of difference as far as your sex life is concerned.
Whisper. Speaking of ASMR, did you know that sounds like whispering can create a literal “brain orgasm” without you even laying a hand on your partner? It’s relaxing. It’s seductive. It triggers euphoric sensations. Just thought I would put that out there.
Moan. Recently, while listening to the extended mix of the throwback R&B group Intro’s “Come Inside,” I was trying to figure out how people can “fake moan” and make it sound at least semi-convincing.
Anyway, if you want to heighten both your and your partner’s sense of hearing when it comes to sexual intimacy, moaning is gonna get the job done. In fact, according to science, moaning creates vibrations throughout the body that can intensify sex and orgasms. Plus, it’s a way to let your partner know that they are meeting your sexual needs.
So, if you’re a loud moaner, awesome (check out “Ever Wonder What The Sounds You Make During Sex Mean?” when you get a chance). If you’re self-conscious about doing it, remember that you’ve got science to back up giving it a shot ASAP.
Praise your partner.I once read that whenever someone receives a compliment, it activates the same part of their brain as receiving money (no joke). That said, I can’t think of any person who would ever get tired of receiving genuine praise for their sexual performance. So, before, during, and after the deed is done, be intentional about verbally affirming your partner for the things that you thoroughly enjoyed. Watch them “return the favor” once you do.
SMELL
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Put his favorite scent on your pressure points. The article “Feelin' On These Pressure Points Will Give You The Best Sex Of Your Life” is all about certain parts on your and your partner’s bodies that can intensify sexual pleasure whenever they are touched. That said, imagine how much more exhilarating the touches will feel if your partner gets to smell his favorite scent in those very spots.
Out of the five senses, smell doesn’t get nearly as much attention — oh, but it should, considering the fact that various smells connect us to certain emotions and memories. Not only that but studies say that those who have a stronger sense of smell ultimately have better sex lives too.
Apply essential oils to your bedding. Keeping what I just said in mind, when was the last time that you sprinkled some essential oils on your bedding? Personally, I prefer essential oils to perfume or cologne because they are good for your health, and the quality brands, tend to last much longer. And when it comes to sex specifically, there’s something about rolling around in aphrodisiac-based smelling sheets that really is a perfect touch (check out “8 Natural Aphrodisiac Scents, Where They Go & How To Make Them Last”).
Add fresh flower petals to your bed too. Roses have had a long-standing and pretty solid reputation for being an aphrodisiac scent too. Not only that, but some people even eat rose petals because they are loaded with antioxidants. Personally, I like the soft and feminine scent that fresh rose petals provide along with how great they feel on my skin. Get all of these benefits by sprinkling some fresh rose petals on your bed. You can never go wrong by doing so.
Add an aphrodisiac scent to your hair. A few years back, I penned an article for the site entitled, “Contrary To Popular Assumption, Black Women LOVE Getting Their Hair Pulled During Sex” — and you know what? It really is the icing on the cake for your hair to smell absolutely amazing as he does it. So, whether it’s perfume, cologne, or an essential oil, don’t forget to spray or rub some onto your tresses. Whew, chile.
Put some lavender and pumpkin oil in between your thighs. I will forever shout through the proverbial bullhorn that studies say that the combination of lavender and pumpkin oil can increase the speed of a man’s erection by a whopping 40 percent! Definitely, something to keep in mind if you’ve got a partner who battles a bit with erectile dysfunction or you’re someone who enjoys immediate penetration following being on the receiving end of oral sex.
Dab a bit of the combo in between your thighs and just watch — well, feel — what happens! (By the way, you can purchase a roll-on combo of two fragrances at an affordable price by going here.)
TASTE
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Get some honey dust. Back in my more active days (LOL), I took a hack from Valerie Malone via Beverly Hills, 90210, when she told one of her partners that she applies honey dust to her skin so that he could lick it off. Let’s just say that if you try it, you’ll be in for a wild ride. You can cop some for yourself here.
Experiment with some “sex condiments.” Along these same lines, one time I was working with a couple who both wanted a bit of assistance without making giving oral sex less awkward. I shot them the article, "12 ‘Sex Condiments’ That Can Make Coitus Even More...Delicious” that I once penned. Why?
Basically, sometimes it can seem a bit intimidating to take in natural body fluids. One way to make it less overwhelming is to “mask” the tastes with ones that are more familiar such as frosting, chocolate syrup, or even condensed milk.
Suck on some mint candy. Even though I’ve actually read that consuming mint can lower a man’s testosterone levels and ultimately his sex drive, if you gargle some mint mouthwash or suck on a mint prior to performing fellatio, the menthol can feel hella exhilarating for him and make his orgasms even more memorable. Hey, but you ain’t gotta take my word for it. A couple of years ago, some mints called Flintts were taking oral sex activity by storm, chile: “What the Heck Are These Oral Sex Mints All Over TikTok?”.
Play around with nutmeg and cloves. Whether you decide to make a dessert with nutmeg and cloves, drink some tea with these spices sprinkled in, or you come up with some other creative way to incorporate them into your plans for the evening, nutmeg is a solid libido-booster and cloves increase energy levels and blood flow (including to your genital region) as well as increases your body temperature. Where’s your spice rack at?
DIY some dried figs. There is nothing wrong with bringing food into the bedroom. That said, next time, how about some figs? Visually, they are a fruit that’s actually used to symbolize the vagina; plus, the amino acids in them help to relax the blood vessels in your body, so that blood is able to flow freely through you and your partner’s genitalia. You can get a ton of dried fig recipes here.
TOUCH
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Wear silk lingerie. Even though lace has quite the reputation when it comes to lingerie, a fabric that deserves a lot more attention is silk. It’s soft. It’s luxurious. And, by many, it’s considered to be the most sensual fabric there is. Also, on the practical side, silk can help to reduce hot flashes, improve your quality of sleep, help to prevent yeast infections, and improve the appearance and feel of your skin. All worthwhile selling points to keep in mind for the next time you’re picking up a teddy or baby doll ensemble.
Twist your wrist during fellatio. I enjoy Black web series. One from back in the day that I will rewatch from time to time is called Diary of a Cheating Man. In episode two, (the character) Cory gives away a fellatio hack that I can personally vouch for.
If you’re someone who is a bit skittish about giving head, something that can take some of the mouth pressure off is to use your hands more. Apply an edible lubricant and then twist your wrist clockwise and counterclockwise as you’re gently moving up and down his shaft. That way, you don’t have to do quite as much sucking (if that’s not your thing; do lick, though), and he won’t feel (quite so) gypped because of it.
Use your tongue where you would put your hands. I recently read an article (entitled “The Human Tongue Can Help Blind People 'See' The World. Here's How”) that said, “The brain can allocate tactile attention on the surface of the tongue in the same way as the hands or other modes of attention.” If you add to this the fact that, although the tongue is not the strongest muscle in the body, it is, most definitely one of the most flexible, and you add to that how warm and wet it is — it will only benefit you and your partner to substitute your tongue for your hands during foreplay…don’t ya think?
Play with each other’s belly buttons. One of the best ways to keep your partner intrigued is to not always go for the “predictable” body parts. For instance, when’s the last time that the two of you played around with each other’s belly buttons? The belly button has multiple nerve endings, it’s a fun way to tease your partner during foreplay, and it’s not uncommon for women to feel clitoral stimulation whenever that area of their body is caressed in any way. So, why not kiss, massage, or use your fingers to play around with the belly button during sexual activity? You both may be pleasantly surprised by the sensation that it creates.
Kiss during afterplay. One more. A question that I get asked fairly often is what can increase a woman’s chances of having multiple orgasms. There are several. One of them is to kiss during afterplay (which is basically foreplay after having sex). There is a lot of intel in these streets (check out “Wanna Climax More? KISS MORE.”) that cosigns on the fact that kissing is extremely stimulating.
So, even though few things top spooning naked and taking a nap after getting in a round of romping, an immediate — as they used to say it back in the day — make-out session following your first orgasm can definitely put you on the path to experiencing a second one. Try it. How could you — and all of your senses — not like it? Enjoy!
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