![Quantcast](http://pixel.quantserve.com/pixel/p-GS-HF4BKvzCmv.gif)
![7 Ways To Achieve Financial Literacy During Global Pandemic](https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8yMzE1NTEzNS9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTc3MjYwMDQ5OX0.Z5TaSYPxWyNAVK6towQWTN_dmgWG3ewFB2uDvxDezyQ/img.jpg?width=1200&height=600&quality=90&coordinates=0%2C83%2C0%2C84)
7 Ways To Achieve Financial Literacy During Global Pandemic
It's one thing to learn how to better manage your money, it's another to manage your money during a recession, and yet another to manage your money during a recession and a pandemic, where everything and everyone is on lock down and resources are limited.
Financial expert, Jennifer Streaks, shares some money tips that we all should be taking in order to stay afloat during these unprecedented times.
1.File Your Taxes
Shutterstock
Go ahead and get it out of the way! This will make it easier to get your stimulus check, if you qualify. This will especially come in handy for those who have been laid off due to COVID-19. Although there has been an extension to file taxes until July 15, you should still do your best to get it in early to avoid delays.
2.Get An Extension On Payment Deadlines
Call your creditors and ask for forbearance on your payments. The entire world is on pause right now, and most businesses are being lenient towards their customers when it comes to funds that are owed.
3.Focus On Essentials Only
Shutterstock
This is not the time to stock up on unnecessary items. Right now, pay attention to what you need the most; food and in some cases, medication. In case of a complete lockdown (including grocery stores), you want to be sure that you are stocked with a lot of canned goods and whatever medication is needed to hold over for an extended period of time.
4.Track Expenses
Take the time, sit down and see where your money is going. There are many people that are seeing how much they spend on Uber, dry cleaning, Starbucks etc., and realizing how much money is wasted. Take a look at any subscription services that you don't need that can be put on hold for now. These payments can be resumed when normal life is back on track.
5.Seek Financial Assistance
Shutterstock
If you have not already, file for unemployment. Yes, the task is daunting because many states are overwhelmed, but do it so those funds can start coming in. You also want to be mindful of the fact that many people are applying at this time, so the sooner you get in, the sooner you can get access to funds to sustain you. If you don't qualify for unemployment, there may be new government-funded financial assistance programs specifically for those who are impacted by COVID-19.
6.Use Your Emergency Fund
If you need to dip into savings, go ahead and do so. This is what savings are for! The best use of your savings right now is to try to get at least two weeks worth of groceries at a time, and whatever extra essential supplies are needed.
7.Create A Pandemic Budget
Plan out a budget specifically for this pandemic. Money management is extremely important right now, and whatever money you already have, needs to last.
Jennifer Streaks is a financial securities expert, journalist and author. She has been an on-air commentator for years (MSNBC, Fox Business) and is a columnist/reporter having written for The Huffington Post, Motley Fool and Black Enterprise, as well as been a contributor for CNBC. Featured on national news outlets, Jennifer published her highly lauded book Thrive!...Affordably available on Amazon.com.
Featured image by Shutterstock
- 5 Financial Tips for the Coronavirus Pandemic — How Do You C.U. ›
- Coronavirus Live Updates Archive from April 12-18 ›
- Financial Literacy 101: How We Can Make a Difference This Month ... ›
- Financial Literacy Classes - Helping Reading Residents | Visions ... ›
- Editorial: We need financial literacy more than ever | Columnists ... ›
- The problem with Financial Literacy Month | American Banker ›
- Pandemic Amplifies Message of Financial Literacy Month ... ›
- 3 Ways to make Financial Literacy Month count amid coronavirus ›
- The Importance of Financial Literacy During the COVID-19 Pandemic ›
How This New Bond Repair Line Transformed One Mother's Postpartum Shedding Into The Ultimate Curl Comeback
This article is in partnership with SheaMoisture
For Crystal Obasanya, her wash day woes came shortly after her son did. The beauty and lifestyle content creator had been natural for years, but during postpartum, she quickly learned about one reality many mothers can relate to experiencing: postpartum hair loss. “Sis had thinning hair. Sis had split ends,” she shared about her hair changes in a Reel via xoNecole.
Over a year into her postpartum journey, Crystal explained she also had dry, brittle hair, noting that keeping it hydrated before pregnancy had already been “a task.” The 4C natural recalled going from thick hair during pregnancy to a thin hairline due to postpartum shedding as “devastating.” When it came to strengthening and revitalizing her hair, the new SheaMoisture Bond Repair Collection was just the thing she needed to elevate her damaged coils to revive and thrive status and get them poppin' again.
SheaMoisture is providing us with the cheat code for transforming dry and damaged strands into thriving and deeply nourished crowns. By unveiling their 4-step hair system, the SheaMoisture Bond Repair Collection is equipping you with the tools to reverse signs of hair damage caused by protective styling, heat, and color and is uniquely formulated for Type 3 and 4 hair textures.
The haircare system revives damaged natural hair by repairing and rebuilding broken hair bonds through a game-changing combination of HydroPlex Technology and AminoBlend Complex, a unique blend of fortifying amino acids formulated specifically for curly and coily hair. Scientifically proven to reduce breakage by 84% and make your hair six times stronger (vs. non-conditioning shampoo), the collection infuses your hair with the nourishment it craves and the strength it deserves.
All five products of the SheaMoisture Bond Collection are infused with natural strengthening ingredients like Amla Oil and fair-trade shea butter. The collection consists of the 4-step breakage-fighting Bond Repair system, as well as the Bonding Oil.
“When trying it out, I quickly noticed that my hair felt revived and renewed, and my curls were so hydrated,” Crystal said while using the Amla-infused Bond Repair Leave-In Conditioner. “I also felt my hair strands were stronger.” So much so that the influencer felt brave enough to get her hair braided shortly thereafter. “I can definitely say that I will be keeping it in my hair wash routine,” she added in the caption of her Reel about her positive experience using the products.
SheaMoisture Bond Repair Collection is making bond-building a key player in your wash day routines and the purveyor of life for thirsty manes. Because who doesn't want stronger, shinier, happier hair?
Step One: Bond Repair Collection Shampoo
Rejuvenate your hair with SheaMoisture Bond Repair Shampoo, your go-to solution for luscious locks. Packed with hella hydration power, this shampoo adds moisture by 60% while removing buildup without stripping your strands. This shampoo gently cleanses impurities while significantly enhancing shine, smoothness, and softness.
The Bond Repair Collection Shampoo is the first step in the 4-step Bond Repair system, all of which are powered by the uniquely formulated AminoBlend, and HydroPlex, SheaMoisture’s technology that rebuilds hair strength at its core.
Step Two: Bond Repair Collection Conditioner
Tailored to repair styling damage, this creamy conditioner locks in 12x more moisture than standard non-conditioning shampoos, boosting damaged hair strength by 1.5x with significantly less breakage. The creamy SheaMoisture Bond Repair Collection Conditioner deeply hydrates, enhances manageability, and leaves your hair looking healthier and shinier.
Step Three: Bond Repair Collection Masque
This Ultra Moisturizing reparative masque is a moisture-rich game-changer for those dealing with the aftermath of hair damage caused by styling. The SheaMoisture Bond Repair Collection Masque delivers 13 times more moisture compared to non-conditioning shampoos, ensuring your hair feels nourished and soft. Designed to repair and rejuvenate, this masque significantly strengthens damaged hair — making it twice as strong while reducing breakage.
Step Four: Bond Repair Collection Leave-In Conditioner
Elevate your curl game with SheaMoisture’s Bond Repair Collection Leave-In Conditioner. Lightweight and hydrating, the Bond Repair Leave-In Conditioner provides 12x more moisture than non-conditioning shampoos and tames frizz with 24-hour humidity control. Designed to define curls and coils, the leave-in conditioner enhances softness and shine allowing you to detangle effortlessly.
Bonding Oil
The SheaMoisture Bond Repair Collection Bonding Oil is a multitasking all-in-one formula that acts as a heat protectant and provides the hair with moisture, strength, shine, damage protection, and intense nourishment. This lightweight oil not only offers 24-hour frizz and humidity control but also fortifies your tresses, making them up to 5 times stronger with significantly less breakage.
Featured image courtesy
I don’t know where this year is going, but it’s flying right by! Seems like it was just yesterday that I was writing about intimacy for Valentine’s Day, and — ding! — now, Independence Day is right around the corner.
Here’s the thing about this particular holiday, though — whether it’s your favorite one or you could honestly pass on it (because you’re more of a Juneteenth person yourself), I personally think that any time there is an opportunity to get creative in the sex department, we should take full and complete advantage of it.
So, since the Fourth of July is the day when fireworks are in abundance, why not take some of that energy into your bedroom this year by applying some of the following 10 holiday-themed, fully sex-related tips?
1. Create the Mood with Some Confetti Poppers
Let’s begin with some atmosphere. Although there are sparklers that you can use indoors, if the sex is going to be even a little bit good, if you want to go along with the whole fireworks theme, you should opt for décor that can stick around for more than just a minute or two. In walks,confetti poppers. If you want to give off the fireworks feel in your bedroom, opt for the smaller ones that are traditionally used for baby showers (like thesehere). It’s a unique way to ring in the 4th right before you well…you know. #wink
2. Screw in a Fireworks Light Bulb (No Pun Intended)
Something else that you can do to create a feel of Independence Day inside of your house is to screw a fireworks light bulb in a couple of places where you plan on creating some sparks. Something that’s cool about a lot of the LED options is they give off subtle light changes without being super bright — if a romantic mood is what you’re after. Some affordable options arehere,here, andhere.
3. Try Some Fireworks Lube
It’s kind of a shame that a lot of people only think that lubricant should be used in order to get wet (or wetter) — because no matter how much or well things are flowing down below, lubricant is a welcome addition to a fun evening; that’s why I’ve written articles for the platform like “The Wetter, The Better: 10 Creative Ways To Use Lubricant”. When you get a chance, check it out. Then, once you’ve read it, get yourself someFireworks Female Arousal Gel; it’s a popular lube that contains a good amount of peppermint (the menthol sensation will be sure to be off the chain!) and glycerin. Many satisfied customers have said that it takes orgasms to a whole ‘nother level, y’all.
4. Or Apple Pie Lubricant
Speaking of lubricants, when it comes to signature foods for the 4th, outside of grilled meat, it doesn’t get too much more American than apple pie, chile. In the spirit of that, you might also want to cop yourself a tube of edible lubricant that comes in the flavor of this particular dessert like this brand here. I checked out several reviews and women said that not only does it taste pretty good, it provides a bit of a warm sensation as well. Hmph. Sounds like a good ole’ slice of apple pie to me (sans the calories and plus the climaxing — a win all the way around!).
5. Play with Some Sweet Tea Ice Cubes
As far as signature drinks go — not just on Independence Day but the summer, in general — is there anything more popular than sweet tea? Southern home-brewed sweet tea, at that? This Fourth of July, when it comes to your bedroom activities, pour some tea into a couple of ice trays, freeze them, and then pull aMookie and Tina (shout-out to the Do the Right Thing movie). Temperature play can definitely increase your stimulation levels; plus, since the tea is sweet, it can be a really nice and unexpected foreplay surprise.
6. Invest in a Popsicle Vibrator
Speaking of temperature play, if you want to bring a sex toy or two into the mix, why not a popsicle (since that’s pretty popular this time of year, too) vibrator like this onehere? Take the thrill up a notch by applying one of the flavored lubes to it, freezing it, and then using it…however you plan to. I bet you'll never see a popsicle quite the same way again! #wink
7. Or a Strawberry Shortcake Egg
A summertime dessert that many people just can’t seem to get enough of isstrawberry shortcake. On the sex tip, that’s cool to know because, not only are strawberriesin season right about now, but they are also considered to be abona fide aphrodisiac. That’s because the high amount of vitamin C that is in them can help to keep your libido in great condition. Well, as you’re enjoying some shortcake or strawberries and whipped cream in a more creative kind of way (eh hem), another sex toy option is a Strawberry Shortcake Egg (here). It literally looks like a strawberry, it’s waterproof and fast-charging and it has 20 different vibrating functions. Awesome!
8. Get into the Fireworks Sex Position
I’m telling you, if you’re tired of doing the same go-to sex moves, cyberspace has a ton of sex position options for you to choose from. For instance, did you even know that there is a sex position known as “fireworks”? Now, I won’t lie — you need to be semi-flexible and have some solid upper arm strength (both of you) in order to really pull it off. Yet, from what I gather, the grinding possibilities, coupled with the direct eye contact, could make for a truly memorable time. You can see the position for yourself here.
9. Go Outdoors
Most Independence Day activities happen outdoors, right? Why not take your sexual escapades out there, too, by either having sex in your car or in a tent in your backyard (so long as it's nighttime, of course)? Or, you could stay inside; the workaround is to book a room at a hotel and get up on a really high floor so that you can engage in some coitus in front of a window without worrying about if someone is (really) going to see you. It’s a surefire way to pull the exhibitionist out in you — that’s for damn sure!
10. And Enjoy a Lil’ “Sex in the Driveway”
It’s not a myth that alcohol can play a role in making sex better — so long as it’s consumed in moderation. In fact,many studies say that a drink or two can make you feel sexier, can sometimes make sex last longer, and for some, it can intensify orgasms as well. So, if you’re looking for a creative cocktail for you and your bae to enjoy this coming holiday, have you ever tried a Sex in the Driveway before? It’s a beautifully blue drink that contains vodka, Blue Curaçao, Peach Schnapps, and Sprite (recipehere). Since you’re gonna be outside for a little while anyway, why not consume something that focuses on that very theme? Happy Fireworks and Fourth, y’all!
Let’s make things inbox official! Sign up for the xoNecole newsletter for daily love, wellness, career, and exclusive content delivered straight to your inbox.
Featured image by Giphy