Money Talksis an xoNecole series where we talk candidly to real women about how they spend money, their relationship with money, and how they get it.
When Jillian Smith turned 30 years old, she did what many of us do – started wondering about what the next chapter of her life would be like. She was spending her days working in the corporate world and her evenings planning events for friends and family. And by most standards, doing pretty well. But still, she yearned for more; she desired to start her own business. So, after a lot of hard work and thought, she launched OneTouch Events– all by herself.
Fast forward to today, she’s a newlywed, known for her “pretty conferences,” and works with a group of trusted contractors. Her clients range from thought leaders to speakers, business coaches, and more. OneTouch also hosts celebrations of love, like weddings, general events, and more. Actually, they just secured their first national brand with the beloved fast food chain, Whataburger, planning and managing the chain's 1000th grand opening during its expansion throughout Georgia.
It all seems so simple, right? But my thoughts on stories like this are always, how? It’s like, okay, that sounds cool, but– how did you keep paying your bills in the beginning? Or friends and family are one thing, but when did you start finding consistent clients? Well, in this conversation with xoNecole, Jillian broke down the importance of investing in yourself, financial literacy, and how having a clear vision for your life helped her tangibly turn her goals into a reality.
Can you share some of the experience you gained from previously working in corporate America? What did you take with you to OneTouch Events?
I previously worked for Accenture, a Fortune 500 consulting firm, and it’s where I learned people and process management, organizational structure, and business methodology. It was very rigorous and fast-paced, and I was often the only Black person or woman in the room.
But I brought all of my experiences to OneTouch. It’s a boutique firm, but we run it like a Fortune 500 company. For example, before I advertised anything, I had all of our systems built. We had two websites and a clear methodology. From my entry-level roles to manager level, I took a lot of those skills with me.
Jillian Smith
Photo by Andre Brown
Congrats on the current success of the business, but can you talk to me about the financial struggles you endured starting the process? Let’s take it from the top.
I experienced all the things that no one tells you about running a business. First, I created it while still working at Home Depot corporate. When I made that first leap, I didn’t understand cash flow. I just didn’t know what it took to continue running my business, paying bills, and how to structure contracts and invoices. My first financial blow was in that first couple of years. I mean, I had to actually use my 401k to pay bills.
There’s a notion that says, "You have to spend money to make money,” but I learned you have to invest to make money.” And that’s when things changed for me – I paid for a business coach. They taught me how to structure contracts, payments, and etc. There's a lot of free knowledge online, but sometimes those avenues don’t actually teach practicality and what you’ll need to work through. I knew the main elements because of my knowledge base, but I still needed to be educated by someone who understood the industry.
There’s a notion that says, "You have to spend money to make money,” but I learned you have to invest to make money.” And that’s when things changed for me.
What is the best and worst business advice you’ve ever received?
The worst is that you should pay attention to your competition. The reason I say that is because I work better with blinders on. I believe when you pay attention to others, you start to pigeonhole yourself. Our competition is us.
The best piece of advice is to take time to be grateful. Gratefulness has been lost in business and life. Success, business, and life isn’t promised. There are so many people that pour into us and we just have to be grateful for them.
Do you have any money mantras you practice or hold to?
On the productivity side, I’d have to say my “Money Mornings,” which is all about being first. If we’re the first to respond, the first on the books, the first consultation – usually we’ll be there first to the table. Don’t be afraid to start early.
When it comes to affirmations, I’m more biblically based, so for everything, I turn to Proverbs 3:5-6, 'Trust in the Lord with all your heart, lean not on your own understanding. In all your ways acknowledge Him and He shall direct your paths.'
Yes, I love that. Earlier, you mentioned a bit on investing; I’d like to dig into that. What does it look like for you, professionally and personally?
I’ve always looked at life transactionally. Because of that, I invested a lot in the business – I always wanted us to have updated technology and practices. I mean, I invested in a brand designer, business manager, and bookkeeper. My website isn’t just pretty, it brings in a strong ROI (return on investment).
But personally, I actively invest in self-care. It’s something we put on the back burner until you start feeling it in your body. High blood pressure, strokes, and heart attacks are real things. The event planning industry is one of the top 5 most stressful fields. It took me a while to understand the importance of self-care. But now I know you have to take care of yourself before you can take care of others. My gym membership and health is very important.
Would you consider yourself a saver or a spender?
I am a saver. I actually need to spend more on myself. I’m very conservative when it comes to my finances.
I feel like you are in the minority with that answer. Have you always been good with money?
Actually, yes. I can remember being in high school wanting a pager, and my parents told me they weren’t paying for it. I literally got a job and bought my own. So, I’ve kinda always been like that for as long as I can remember, very goal-oriented.
Jillian Smith
Photo by Andre Brown
Do you have any budgeting tips for us then?
Most of us come out of college with a lot of credit card debt. So, the first recommendation is to get comfortable with how you spend and your balances. I had a spreadsheet with each card with line items and percentage rates, and I just started paying the highest down. But I also saved at the same time. If you’re new to saving, starting with a high-yield online account helps, too. Just start small. It could be $50 to auto-transfer every month, and it’ll grow it over time.
"If you’re new to saving, starting with a high-yield online account helps, too. Just start small. It could be $50 to auto-transfer every month, and it’ll grow it over time."
Out of curiosity, what’s your go-to splurge?
I love a spa. But not like the basic ones. Like, I’m going to the Four Seasons. And also, I don’t really cook a lot, so yes - I’ll eat out. I’m on Zoom like all day, every day, taking meetings, so those are my necessary splurges.
And have you reached your goal? If not, what’s next?
I’m insatiable with my goals, so no – they just keep growing. But a long-term one is to open up my own event facility, that’s in a nice area in the city. I want to be able to compete with some of the top venues in Atlanta.
It’s giving luxury. Finally, can you break down how you define wealth?
I’d define wealth as finance and fulfillment. In finance, it means OneTouch Events can invest in our people, our bills are paid, and we have a surplus. Like for example, last summer, I just gave the team a week off to just decompress for no reason, and we had team outings.
Personally, being wealthy is being comfortable in my skin. Last year I spent so much time with my family because I didn’t feel the need to work 24/7 like I envisioned. Wealth and fulfillment is being able to live a well-rounded life.
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Feature image by Andre Brown
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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.
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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A part of the reason why this is so important to me is that I have worked from home for years now. Yet whether or not that is your personal testimony, I want to take out some time to encourage you to do all that you can to make your weekend hours at your own house feel as much of an oasis as possible. After all, an oasis is the perfect word for what most of us need right through here, don't you think?
Oasis: something serving as a refuge, relief, or pleasant change from what is usual, annoying, difficult, etc.
If this is exactly what you want, but you need a little help finding some inspiration, I've got 15 tips to help get you started. Ready?
1. Invest in Some Greenery
There are a few awesome reasons to have plants in various rooms of your home. They're proven to be able to help to improve your mood, make you more creative, and decrease your stress levels. Growing up, there were quite a few plants in my house, but I must admit that I like my place to be on the darker side, so I don't have any around at present. What I do have is a huge faux tree in one of my rooms, and I adore it to no end.
So, whether it's the real deal (which can also decrease indoor humidity and noise levels) or something that's just for show (click here for some of the best fake greenery around), add some plants to your place. It will definitely—and immediately—create an oasis effect.
2. Make Your Own Scented Candles
Personally, I don't know anyone who isn't close to being totally in love with candles, especially if they're scented. If you happen to be one of them but you've never contemplated the benefits that come from lighting a few of 'em up, candles provide a calming effect. Based on the scent that you choose, they can also appeal to your sense of smell and put you into a better mood. Plus, candles are a wonderful complement if you're someone who likes to meditate, pray, or journal. And, if your oasis is going to consist of a partner being in your space, candles are mad romantic too.
Thing is, candles aren't always or necessarily the cheapest things on the planet. So, if your budget is super tight, something that you might want to do is make some of your own. It might sound like quite the feat at first, but they're actually easier to make than you might think. You can get a thorough walk-through by checking out this article right here.
3. Get Some Big Throw Pillows
Other than the pillows that you've got on your bed, how many other ones do you own? Something that I dig about big throw pillows is that they immediately make a room look warmer and more appealing. Plus, there's nothing more comfortable than putting a couple of them on the floor and lying on them while listening to some music or watching a movie. As a bonus, many throw pillows are pretty inexpensive.
You can find them everywhere, from Target and Walmart to Big Lots and Bed Bath & Beyond (Apartment Therapy did a feature on where to get some higher-end ones; you can check it out here).
4. Switch Up Your Wall Art
I'm not sure what makes us think that just because we've hung up a particular picture, we can't switch it out with something else. By rotating your wall art, based on your particular mood or even season of the year, not only is it a simple way to avoid getting bored with your décor, but it can totally shift the energy of any given room in your house.
If you want some one-of-a-kind pieces, I've found some really unique and affordable prints on Etsy. Just go to the site and put whatever your favorite kind of art is in the search field.
5. Use Natural Light As Much As Possible
There are a few reasons to make the most of natural light. On the financial tip, it's cheaper than relying on your overhead lights and lamps. Also, natural lighting keeps seasonal depression at bay, helps you to get more vitamin D into your system, and can improve your quality of sleep as well.
If you're someone who is hesitant to open your window treatments up because you're worried that someone can peek in to see what you're up to, there is something called mirror window film that you can apply to your windows. It's cool because it makes it possible for you to look out of your windows while preventing others from being able to look inside of 'em.
Just know that this is designed to work during the day, not at night (as far as looking outside from indoors). Anyway, you can find rolls of the film at a pretty reasonable price at your local home improvement stores.
6. Add More Neutral Hues
If you speak with interior decorators, many of them will say that nothing welcomes the feeling of calm and tranquility quite like neutral colors do. For the record, the four basic hues of neutral are white (which represents purity and cleanliness), black (which represents sophistication and affluence), grey (which represents maturity and reliability) and brown (which represents authenticity and warmth); however, "near neutrals" (which are lighter or darker versions of the four) are great too.
Speaking of colors that are wonderful for creating an oasis-like feeling, pale pastels can also provide a feeling of serenity.
7. Cop Some Seasonal Blankets
I think one of the best things that I ever did to pamper myself was to purchase several throw blankets. At this point, I believe I've got around 10 of 'em. I just like stringing some along my loveseat and ottomans, so that I can curl up in one at any given moment while I'm chillin' in pretty much any room of my house. Just make sure to get the ones that match the season you're in. Cotton and fleece are ideal for spring and summer, while wool, cable knit, and cashmere are more ideal for the fall and wintertime.
8. Take a Milk Bath
The reason why I wrote the article, "Did You Know There's A Right & A Wrong Way To Take A Bath?" around this time last year is because the reality is, not all baths are created equal. The reason why I also wrote, "Make 'National Bathtub Party Day' Your Favorite Day Of The Year" (which rolls around at the top of every December, by the way) is because soaking in your tub is one of the most cost-effective yet also luxurious ways to pamper yourself. If you opt for taking a milk bath from time to time, depending on the kind of milk that you choose, it can perform mini miracles for your overall health and well-being.
Coconut milk and buttermilk contain lauric acid, which supports the skin and the production of collagen. Oat milk soothes dry skin and eczema-related symptoms. Goat milk helps to gently remove dead skin cells. Plus, all of these milks will moisturize your skin in a way that is simply incomparable. Just pour two cups of your preferred milk under warm running water. Then add 1/3 cup of your favorite carrier oil (like coconut oil, grapeseed oil, sweet almond oil, jojoba oil, or avocado oil) and a few drops of your preferred essential oil to provide an aromatherapy effect. I promise that you will struggle with getting out of your bathtub once you set the stage with all of this holistic healing stuff.
9. Create Your Own Massage Oil
In a perfect world, we'd all have a man who lived to give us massages on demand. But if that's not your personal testimony (mine either, chile), that doesn't mean that you have to deprive yourself. Self-given scalp massages are divine. So is rubbing your feet while you're watching your favorite show on Netflix, Hulu, UMC or a free streaming site Tubi. Just make sure you pamper your scalp or skin with an oil. Warming up something like olive, avocado or Jamaican black castor oil is good for your scalp. As far as your skin is concerned, why not make a divinely scented one? I actually happened upon a site that lists a whopping 22 different DIY massage oil recipes. You can check it out here.
10. Play Some ASMR or Soothing Music
The reason why there are articles on this platform like "Before You Pull Out Your Playlist, This Is How Music Affects Your Sex Life" is because there's no way around the fact that music is powerful—and powerfully influential. From a scientific standpoint, music is proven to do everything from slow down your breathing and heart rate and reduce stress and anxiety to relieve muscle tension and trigger the production of serotonin so that you're calmer and are able to sleep more soundly.
As far as ASMR goes, while it's only been close to a couple of years now, it has gotten to the point where I never turn in for the night without some rain or ocean waves playing in the background. There is an article I once read that said that ASMR actually has the ability to produce "brain orgasms" from a physiological standpoint. So, if you wish you could be at a beach house, trapped indoors on a rainy day, or could hike through a tropical rainforest, hopping on over to YouTube and putting in your favorite nature sounds can be almost just like being there.
11. Sign Up for a Wine Subscription
If there is one thing that gets y'all super hype on this platform, it's wine! I ain't mad about it either because wine is an alcoholic drink that has a significant amount of health benefits; especially if it's red wine. Red wine is scientifically proven to contain antioxidants known as polyphenols that will help to keep your heart healthy, the plant compound resveratrol that helps to lower your blood pressure and improve your cognitive functions, and other properties that assist in lowering depression-related symptoms. Wine also has nutrients that support you having stronger immunity and glowing skin. You can always run up to your closest liquor or even grocery store to get your favorite bottle. Or, if you're like me and you prefer to be indoors as much as possible on the weekends, another option is to join a wine club or subscription box service. You can find over 20 of the best ones by going here.
12. Order Some Takeout
Eating out isn't always the cheapest thing, especially if you're ordering food to be delivered. I'll give you that. But if you want to support local eateries in your area and enjoy a good meal without having to prepare it, that is always an option that you can take advantage of. If you'd prefer to help out a Black-owned restaurant specifically, Eat Okra is a new app that features those in your local area.
13. Or, Eat Some Calm and Comforting Foods
Really. What's the point in cultivating the perfect ambiance if you're gonna be a nervous wreck either way? Sometimes, in the effort to find a little peace and tranquility, we mess up by chowing down on foods that ultimately cause us to climb the walls (umm, like sugar). Certain foods that promote a sense of harmony are featured in the article on our site, "8 Foods That Will Keep You Cool, Calm & Totally Relaxed". Some other foods that didn't make the list, that are both calming and comforting, include homemade soup, sautéed spinach, avocado toast, grilled salmon, and turkey melts.
14. Put Your Phone on Vibrate
Tell me something. If you were on vacation right now, at your favorite spot, would you have your phone with you, 24/7? Unless you're a parent and your kids aren't with you, if your answer is "yes", please check out "8 Solid Reasons To Put. Your Phone. Down." We've got voicemails on our phone for a reason; one of them is so that we can have moments when we're not constantly checking social media notifications or even chatting back and forth with other people.
If you want to create a sense of calm and serenity on your weekends, put your phone on a charger in another room. Whatever is awaiting you on it…it can wait. It really can.
15. Sleep In
While recently checking out a pretty extensive sleep survey, I noticed that two-thirds of Americans claim to not sleep well during the week. That's a lot of people. If you're one of them, why not use the weekend to get some extra rest in? For the record, there really is no such thing as "catching up on your sleep," but being able to have a couple of days when you don't have to be a slave to your alarm clock—that can be super refreshing and a perfect way to recharge for Monday.
So, definitely make it a point to either go to bed earlier or to stay in bed a little longer on the weekends.
Get some new bedding. Sprinkle some lavender essential oil on your sheets (lavender oil is a natural de-stressor). Drink a little tart cherry juice (the melatonin in it will have you out like a light!). Sleep is a very simple way to get the peace that you've been looking for while you're in the oasis atmosphere that you created for yourself. Make sure that you get some this weekend, aight?
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Featured image by Delmaine Donson/Getty Images
Originally published on September 12, 2020