Lord, we are tired. We tired, Lord. We've made it to the fall season and we don't know if we can handle anymore, Lord.
If you haven't realized, there's only three more months remaining in this year! We've almost made it through the gauntlet—2020, you're almost gone, sis!
And for my Debbie-Downers, yes, I know that doesn't mean our problems are going to magically disappear, and yes, I know that COVID is still jigging all over the place. But sometimes a girl has got to look at the positives, m'kay?
And I don't know about you, but seriously, in addition to keeping my mind healthy, if it weren't for my variety of group chats, at this point, I would be questioning 2 + 2 (because after this year, the answer damn sure isn't 4 anymore)—which got me to thinking: in a distanced society, how can we make sure we tighten up what we allow to penetrate our minds?
The best way? Solid, focused communication; no distractions. No BS. All support.
According to GroupMe research, 43% of people feel like pop culture, and/or memes, are the only topics discussed in their group chats. Um, ew. No, ma'am. There's no better time than now to tighten up what we allow to nourish us mentally. It's becoming a twilight zone out there.
So, a list of group chats that you're gonna need to finish out this year are these:
Neighborhood
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Listen, it takes a village. And this oddly seems to be a lost art. Ladies, I know that some things may not be our business, and you're right, it's not. But bottom line, you need to know what is going on in your neighborhood. And not in a "Karen" way, but more so in a "Claire Huxtable" way, especially if you have kids. Get to know your neighbors, don't frown at an invite. You can't be everywhere, so it takes a village (there goes that saying again) to protect all of your assets. Additionally, your sense of community lies here.
If you're not interested in joining a direct conversational tool for your neighborhood, seek out Facebook groups or pages. You should not solely rely on the news, join an additional form of communication. Now, stop being anti- and go ahead and wave at Judy, sis!
Finance
Apple split its stock.
This natural resource company may be interesting to invest in.
Make sure to complete your trust.
Roth IRA vs. 401K?
I'm thinking of putting an offer in on this three-flat.
Add your child as an authorized user to your credit cards to build their credit by the time they leave the home.
Girls, we're all getting older. And the above, are the type of conversations that we need to be having sooner than not. Money is a tricky subject because so many don't understand it. And even then, to be honest, there's so much that we don't know. Link with like-minded people who understand money. And I don't mean fraud or get-rich-quick schemes, I mean those that are thoroughlydiscussing money. Mortgage rates, tax breaks, LLC formation, acquisitions, or optimizing investment funds and shareholders.
All the scary stuff. We need to know about it.
Good Reads
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Books will never go out of style. And learning the way of the world, won't either. Whether articles, or books, or audio, take the time to understand something. Order some books to escape reality. Or because of the stresses of society, seek books which allow you to suppress your anxiety. Whatever form you choose, do it. We can't champion this world alone. Book recommendations, or articles sent from friends are a love language. Indulge.
Cousins
As we age, what we've all mostly learned is that family is a tough code to break. Too many generations of not so progressive behaviors, generational curses, poor mental health practices, and so on and so forth (I could name like hundreds of different variables) run freely in everyone's family, but who else is responsible for keeping it together? It's us. Not to be confused with a family chat, but a cousin chat is necessary in those times when we need to organize what's to come. Where's Thanksgiving dinner this year? The family reunion? Do we have everything? Or our elders may need someone to reach out to for simply assistance on how the world works now. That obligation falls on our shoulders.
So, whether we want to or not, it is our job to keep the family in (somewhat) tact.
Everyone has had a turn to do so. It's ours now.
Prayer/Positivity
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Ladies, we need positivity. We need someone to speak life over us. We need celebration. We need a space where we can tell someone our good news. We need someone to stop us when we're gossiping. We need conversations where everyone was given the benefit of the doubt. We need prayer. We need spiritual guidance and protection...
The world is negative, society is negative. And that's only because we've allowed negative spirits and cynicism to take over. Be intentional in your thinking. Be intentional in conversation. And there's no time to just discuss it. Live it.
Active/Fitness & Health
Health is wealth, ladies. So, we have to prioritize our time to learn about ways to sustain our health. Vitamin recommendations, or weekly yoga classes. Workout classes or city fitness events. We have to find ways to stay on top of this. Or maybe you just need accountability without the nag. These type of group chats allow you to maintain activity in some form.
Plus, that blood pressure and cholesterol number is nothing to play with.
I recently joined a black bike club that rides regularly, which is all they look to do. They ask where you are if you miss a trip. They follow-up and follow-through. They challenge themselves, and they'll challenge you. A friend of mine runs a black women's hiking chapter. These are just two examples, there's a plethora of other ways to engage about fitness.
General Girlfriend Chat
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Now, you know the homies get a chat before anyone. Why? Because it's damn near necessary. We all have one, we all need one. The comfort, the comedy, the accountability. Crucial.
I cannot tell you how many times I have had bad days, or I've been enraged about something, and I ran to my friend chat to discuss. And instantly, everything had become OK. As women, we are always in our heads. Sometimes, we deserve moments where we can step outside of ourselves and hear, "Yeah, you're trippin', girl" or "Well, how did you feel about that?" Or hell, maybe you just want to tell a funny story. Whatever the case, your girlfriends' chat should always be there to catch whatever you're throwing.
And the best thing about your general girlfriend chat, is that you should easily—and fundamentally—be able to discuss all of the above too.
Join us in the xoTribe community and gain access to Mentor Mondays, bi-weekly workshops from our dating and career coaches, an archive of digital fireside chats, and virtual happy hours. Plus, connect with Necole, the xoNecole squad and a community of empowering women committed to being their best selves. Find your tribe today!
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RELATED
Whether you're planning to meet a certain financial or fitness goal, or you're simply trying to maintain and build on the progress you made this year, having something to look forward to is always a good look. Setting actual goals, according to research, actually leads to more success than just playing things by ear. So here are a few to get you started, sis:
(Disclaimer: Not everything is for everyone, so do like my Granny always says: "Eat the meat. Spit out the bone." Take on five out of the 40 and focus on that for the remainder of the year, or do them all. Either way, this is just to get you started.)
40 Ways To End The Year Strong and Inspired
Money Moves
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1. Increase your retirement (or other savings/investment) contributions by 1%.
Experts have found that you could be leaving money on the table by not upping your contributions when you can.
2. Cancel two to five subscriptions.
You could be missing hundreds, even thousands, of dollars a year due to sneaky price hikes and "updates."
3. Create a "fun" in a high-yield savings account.
This is especially important if you struggle with the dreaded b-word (budget) and will make next year's efforts a lot less intimidating. Even if it's $10 a month, do it.
4. Put on your big-girl panties, and set up automatic transfers and payments for at least one bill.
It reduces the stress of managing bills, lessens the chance of a missed payment---and the fees that come with that---and there can be cost savings for doing so.
5. Invest in a cleaner or housekeeping service.
Bosses who value their time (and mental health) invest their dollars into areas where the time they'd spend doing those tasks themselves could be better used to focus on other money-making projects. (And yes, rest is part of that.) Get a housekeeper, sis, or drop off that laundry, even if it's once per month.
6. Donate to a charity.
Beyond the tax benefits, it's a win-win for the greater good of communities you care about.
7. Review your insurance policies and negotiate a better rate (or move on) before their end dates.
Experts often agree this is a small but mighty step to take each year, especially since insurance rates are competitive, you could be spending more money than you need to (or not enough) and your insurance rates can affect your mortgage payments.
8. Call your loan provider and refinance.
As interest rates fall, “millions of borrowers may be able to refinance and get more affordable payments. As interest rates eased down to 6.5%, about 2.5 million borrowers could already refinance and save at least 75 basis points (0.75%) on their interest rate,” the Consumer Financial Protection Bureau reports. You can also refinance student and other types of loans.
9. Stop buying individual items and stock up via going bulk.
Research has found that, among 30 common products, buying in bulk could save you 27% compared with buying in lower quantities. Water, paper products, and baby products like diapers, toiletries, and garbage bags are the top items where people see the most cost-effectiveness. (This has been a lifesaver for me—children, large family, or not—especially when it comes to toothpaste, deodorant, toilet paper, and feminine hygiene products, saving stress, time, and money.)
10. Go cash-only for the holidays.
If you set smart goals and stick to limits on things like gifts, going out to eat, or groceries, you'll see the benefits of this. Cash-stuffing is one method recommended, but something as simple as taking a $10 bill out for lunch, disabling that card for an hour, and leaving your card in a safe place at the office can give you that mindset jump start to see how far you can take your money without the need to splurge.
Love And Romance
11. Say "no."
There are clear mental and physical health benefits to saying no including the setting of healthy boundaries, creating time and energy for other self-care activities, and protecting yourself from physically harmful situations (i.e. unprotected sex or abuse). Just say it, clearly and simply, when you need to.
12. Set a fun, free, adults-only date night for once a week or twice a month with your spouse.
If busy, high-profile folk have touted the success of this, even you can make the time for quality time with your partner. And it's even better when it costs nothing. The best connections are made doing something chill, challenging, or outside the usual dinner-and-a-movie date. Play a game that allows you to reconnect, take a walk in your neighborhood to chat and laugh, or try a little erotic chocolate/edible liquid/paint episode a la Mea Culpa.
13. Go out with Mr. or Ms. "Not My Type."
I love my man, but if I were waiting out for my "type" at the time, we wouldn't be celebrating seven (going on eight) years together. Sometimes having strict, unrealistic expectations for a spouse (especially related to things like height, physical features, or career path) is what's keeping you alone and lonely.
Take the pressure off and explore all your options. I'm not telling you to stop popping the balloon on the guy who earns $20,000 less than you if that's a hard no that Jesus himself told you to skip. I'm asking you to explore other options and see what else God might have out there for your love journey.
14. Immediately apologize and pray together.
I've learned that always being "right" isn't always ideal when you truly care about someone and you're in a relationship for the long haul. Defaulting to an apology when necessary, even when things aren't 100% resolved, is a good way to prioritize peace and save your energy for more worthwhile battles. Research has even supported the benefits of apologies in relationships, and how couples married for five or more years do it often.
15. Get a Rose and discover true self-love.
Do I really have to explain this? You've gotta know what satisfies you, and how better to figure that out than to practice self-love in the bed by yourself? You can also try this with a partner, but as a woman who got on this train very much later in my sexual activity journey. I have a lot more learning to do on my own, and even in a satisfying relationship, I like to find out new things about myself, by myself.
Figure out what you're into, watch what you want to watch, and read what you want to read to define pleasure for yourself. There's a freedom and empowering element there especially if you're used to prioritizing pleasing your partner.
16. Be direct and have the "money talk" with bae.
Money issues are one of the leading causes of divorce, so you need to have those conversations before you even think about marrying someone. And true, nobody can predict the future so you won't be able to avoid some challenges altogether, however, talking with your potential spouse about how they view money, their spending habits, and the pain points in terms of their approach to money management can at least give you a glimpse into what's in store if you do walk down the aisle, move in with them, or decide to share a bank account/business/child with them.
17. Invest in the "paid" version of that dating app.
I know plenty of successful, married folk who did this and met "the one" as a result. Let's be honest: The free version is for playing around. I had a lot of fun with my "free" profile back in the day, trust me. Upgrade that photo, profile, and package, and see if the quality of your dating adventures changes when you're serious about finding a true partner. Dating coaches and matchmakers cosign this.
18. Solo travel to meet that long-distance connection.
Sometimes, your perfect match isn't within 100 miles of you, and that's okay. Make it an adventure, enjoy the memories, and book that ticket. I met my man this way and it's been a whirlwind escape ever since. If you're not comfortable traveling solo, travel or (network to plan travel) with a group via Facebook.
Career And Business
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19. Schedule coffee or virtual meetups with smart people from your graduating class, previous employer, or current employer.
I have gotten many freelance opportunities by doing this. It's as simple as connecting and offering value (or simply learning how you can better equip yourself to do so.) It's also a great way to expand your network, spark new friendships, or find out about new job opportunities.
20. Invest in a well-made suit.
I don't care what industry you're in, a suit says "power," and it's not as old-school or out-of-style as you'd think. Plus the whole experience of looking for a new one (or getting one tailored) is fun and affirming. Try these options. I swear, anytime I wear a blazer, I'm treated like a celebrity or boss, especially when traveling. I was once upgraded to first-class wearing a yellow blazer outfit, and the airline professional literally said, "You look like somebody important. Here you go."
21. Volunteer for a worthwhile project or cause that's important to your company.
If you're overworked and underappreciated, skip this one, but if you truly have the time, love what you do, and want to advance, this move is clutch. Volunteering for extra projects got me where I am today in media because I had foresight, and knew that was the only way at the time to leverage relationships, and I was able to challenge myself to learn skills that 20 years later are still bankable. That VP you can't get a meeting with will be at that gala your company is planning, so join that committee, sis.
22. Write down why you deserve a raise and ask for it in your next one-on-one.
Gather those receipts (ie sales increase numbers, KPIs met, deals closed, people acquired via recruitment, the impact of systems updates, or other tangible success metrics) and ask for that raise before the first or second-quarter budgets are being finalized.
23. Instead of quitting, write down your exit plan.
While revenge quitting is set to be a thing next year (and maybe you're among those who will be leading the trend), try the better boss move and quit with a real plan.
24. Start automatically separating that estimated self-employed quarterly tax estimate.
If you have side hustles (or you're collecting 1099 income,) baby, you do not want to neglect those quarter tax payments. Talk to a professional, do your research, and set up automatic transfers to an account specifically for paying these at the appropriate due dates.
25. Sign up for a free one- to 11-week course related to your industry—or the industry you want to be in next year.
Institutions like Harvard University and platforms like Coursera offer free courses that can enhance your skills. You can also invest in certificate courses with accredited colleges as well as tech training.
26. Hit "Easy Apply" for 10 dream jobs listed on LinkedIn.
While you shouldn't solely rely on this when actively job-seeking, using this convenient LinkedIn option is a great way to get into the habit of applying for positions. And if you're already employed, you should still be "dating" other employers if you're looking to make a move in the next six months. Keep your interview skills sharp, practice toughening up for the "nos," and get a bit of an ego boost in the process.
Self-Care And Wellness
27. Pre-schedule three month's worth of massages.
Oftentimes this is cost-effective since some spas offer deals for multiple bookings. Also, it makes an act of self-care deliberate and important, not an option. When you get that reminder call, you'll know it's real.
28. Fire that therapist and try another one.
Cultural competency in mental health support is one major problem that can hinder Black women from even bothering with therapy. And who wants the added stress of spending multiple, paid sessions explaining why something is a microaggression? Cut the cord and move on to try someone else, either via a Black women therapists channel or recommendations from others.
29. Join a small group at church.
Bedside service ain't gonna cut it and neither is going to the usual Sunday service. Join a smaller group and upgrade your efforts to connect, network, and elevate spiritually. Even if virtually, take a step to dig a bit deeper with more targeted Bible study and discussions.
30. Say no, even to loved ones.
This is on here twice, for a reason. Saying no is the simplest, most powerful micro-action you can take today to make 2025 better. No explanations. No guilt. Say no.
31. Choose one "luxury" beauty product for skincare and stick to it.
This was trending big on social, especially for millennials hitting their 40s. There's just something so freeing about not giving in to every trend and sticking to the basics that work, especially when there are quality, healthy ingredients involved. Put those orders on auto-renew.
32. Sign up for a new sport or fitness class just for fun, not for results.
It's great to be on a weight-loss or weight-lifting journey, but try something just for the fun of it. Switch things up with a couple of these fitness activities.
33. Book a staycation.
Leave the passport at home and explore a nearby community or another town in your state. There's so much enrichment in your own backyard right here in the U.S., and you don't even have to break the bank.
34. Pre-schedule your mammograms, Pap smear, and peri-menopause checkups for next year.
Take control of your health by pre-scheduling essential appointments like mammograms, Pap smears, and peri-menopause check-ups for 2025. Prioritizing these screenings early ensures you stay on top of your wellness and make time for self-care in the new year.
35. Cut off support of beauty and wellness professionals whose customer service is below standard.
This is another one that many Black women have been vocal about—from unrealistic pre-appointment requirements, to booking fees, to long waits, to unsavory in-salon experiences. Spot the red flags early, and just stop accommodating foolishness. Support salons or experienced stylists who are kind, have proper systems in place and value your time.
36. Schedule five to 10-minute moments of silence on your calendar.
Again, wellness is not optional, and if it's not on my calendar, it's not official. Sit quietly. Pray. Meditate. Or do nothing. The benefits of silent moments are almost endless.
37. Download a meditation app.
If you've found that meditation is difficult to schedule or to even start, an app can help. Try this, this, or this one, and take that step to embrace something new to enhance your wellness routine. If you're tired of downloading apps, create a playlist for meditation via Amazon Music or Spotify and schedule a reminder to do it once a day or week.
38. Invest in a healthy meal prep or delivery service.
Time is emotionally expensive, so save as much of it as possible. Getting into meal prep to keep to your goals is a great way to save time, stress, and effort. The health benefits of meal prepping have also been proven via research.
39. Create a positive playlist on Spotify, Amazon Music, YouTube, or other streaming platform.
It can be podcasts, music, affirmations, or somatic sounds. It's a game-changer. You can even set an alarm to wake you up to start your day with the positive playlist. Not into creating your own? There are plenty to choose from with a quick search.
40. Set up reminders for Alexa (Siri or other AI) to remind you, "You are loved," and "You are okay."
This simple effort can boost your endorphins and remind you that you're indeed, not alone, and you will be okay, regardless. To set mine up, I simply commanded, "Alexa, remind me everyday 'Jesus loves me,'" and like clockwork she does. She almost scared the ish out of me one day when I'd forgotten the reminder was active, but it was the reminder I needed when anxiety had gotten the best of me that week.
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