Is Your Relationship With Money Toxic? Here Are 6 Keys To Shift And Prosper
When Kara Stevens started Frugal Feminista, she was on a mission to offer something she didn't see enough of as a young Black woman looking to become debt-free. She'd taken her personal finance matters into her own hands, turning to library books and other free resources to get out of $65,000 in debt. "During that process, I'd found books—some written by Black women, some by white men—and they were all helpful, but I noticed that there was a dearth of literature really speaking to what Black women in their 20s and 30s were facing. I couldn't relate," she recalls.
"I began researching and implementing some of the things I learned. I wanted to broaden the discussion around what it meant to be a Black woman who is out of college, educated, looking for love, wanting to travel, and wanting to have it all, and how money plays a role in that."
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After getting out of debt, Kara, an educator by trade, eventually moved up the ladder into administration, putting her in the club of six-figure earners. However, she found that she had some further growing to do when it came to how she approached managing her money. "I was still having a lot of anxiety around money despite being, on paper, more well-off than, say, 90 percent of average Americans. What that led to was a deeper understanding of the lessons I learned around money and self-worth in terms of asking and receiving," she says.
"[It was about] understanding the energy of being confident and assertive in a way that allows you to expect the possibilities and expect things to happen in your favor. Money is one of the values, ways, and measures of getting what you want whether it be a salary increase, starting a business or anything related to achieving something in that arena."
Below are six keys Kara found, through her own journey, in resetting her mentality about money in order to thrive:
1. Decide what you really want out of life and how money fits into achieving your goals.
It's important to explore self-reflection that will lead to decisions about your short-term and long-term goals related to what your best life looks like and how to create and sustain it. "What do you want to do with money?" Kara adds. "Do you want to travel with money? Do you want to start a business? Reflect on what your beliefs are about children, businesses, or travel, and see if they align with what you're trying to do with your money. If there's a disconnect, you're going to have a lot of difficulty in either finding the money or keeping the money in relation to achieving your goals."
2. Get to know your deep-set beliefs about money and their origins.
"Oftentimes, they're largely influenced by what your parents beliefs are," Kara explains. "In my experience, I had a lot of emotional hurdles to overcome when it came to dealing with money because growing up, I was taught that you shouldn't take risks with life, money, love—with anything."
"Even though I was able to technically get out of student loan debt, I still had this fear of being able to have a balanced approach to investing or a balanced approach to even giving myself the things I wanted."
Growing up, Kara saw a money management focus that was solely about basic needs. "Anything else was considered unnecessary. That made me a very measured and withholding person emotionally and financially, and that eventually led to having to learn more about myself in therapy."
Once she was able to pinpoint beliefs she'd carried from her childhood, she was able to form a renewed relationship with money and nurture a new mindset. "I was able to give and receive, take risks, and make my needs an important part of how I make decisions instead of looking at deprivation, hoarding, financial paranoia, and scarcity."
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3. Pinpoint how those beliefs inform the way you currently view money and how that perception affects achieving your goals.
Kara urges women to create a "family financial tree" exploring childhood memories related to money that they still hold on to in adulthood. "I grew up thinking, for example, that due to my mom's heartbreak with my dad, men are never to be trusted with money. That was a given," Kara says.
"But you have to look at that belief and analyze the validity or the universality of it to determine how useful that message is in serving you in your life goals. I know that ultimately I want to be happily married, so I had to rethink that message to create one that's more affirming, rational, and abundant."
"Not all men can be trusted with money, but the man I choose, I will trust because I trust myself to make good decisions. So, think about how you can flip that negative narrative and rewrite it to make it affirming and thoughtful and align with your goals."
4. Create a budget that incorporates your values and puts a focus on progress versus perfection.
"Having a budget that doesn't allow for fun or pleasure is not a budget you can stick to," Kara says. "Putting the pleasure element and values element in a budget is a key part to enjoying your money management and to thriving with your money."
Kara remembers a time when she was first getting out of debt and how the process was much more sustainable when she gave herself grace throughout the journey. "Sometimes you trip and fall and miss a payment or overspend, but don't take it personally. If you continue to make progress in the general right direction, you'll be OK, and you'll eventually meet your goal."
She incorporated a debt payoff strategy that allowed her to tackle each one in a particular order, gaining momentum by getting rid of them one by one. "I felt good when I was able to reduce the number of debts I had. Eliminating them made me feel good that I was actually making progress."
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5. Shift your approach to budgeting in a way that puts faith first.
"There's a place for living within your means, but the rationale behind it [is important]," Kara says. "You have to have that faith-based approach to handling money. Check in with yourself on whether the reason you're doing something is based on some type of fear perspective or more of an abundance or faith-based perspective. You have to tell yourself, 'I believe that what I'm offering is worth it,' or 'I believe that what I'm buying for myself is going to add value to my life so I'm going to do it without apology, shame or guilt.'"
6. Figure out a monthly flow for managing your funds.
"In addition to having a budget, knowing the flow of your money every month is important," Kara says. "I use a financial calendar. Sometimes you can feel that, by the end of the month, there's more month than money, and it's not necessarily that we don't have the money. It's about how we space out our spending and our savings to meet our various financial goals."
With a financial or budget calendar, you can track payment amounts and dates and estimate how much money flows in and out of your accounts on a monthly basis based on your money goals and lifestyle. You can do this the old-school pen-and-paper way, via an online spreadsheet or through handy apps that are free or downloadable for a fee.
Taking deliberate steps toward shifting how you think about money and its management can be totally life-changing and make reaching your dream life that much more believable and obtainable.
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Beyond Burnout: Nicole Walters' Blueprint For Achieving Career Success On Your Own Terms
Nicole Walters has always been known for two things: her ambition and her ability to recognize when life’s challenges can also double as an inspiring, lucrative brand.
This was first evident more than a decade ago when she quit her job as the corporate executive of a Fortune 500 company during a Periscope livestream. “I’m not sure if there’s an alignment of [our] future trajectory. I’m going to work for myself. I'm promoting myself to work for myself,” she said at the time before flashing a smile at the viewing audience. As she resigned on camera, a constant stream of encouraging messages floated upwards on the screen.
By 2021, she’d fashioned her work as a corporate consultant and her personal life with her husband and three adopted daughters into a reality show, She’s The Boss, for USA Network. This year, she released the New York Times bestselling memoir Nothing Is Missing, written as she was in the process of getting a divorce and dealing with her eldest daughter’s struggles with substance use.
Convinced that there’s no way the 39-year-old has achieved all of this without intentional strategic planning, I asked her about it when we spoke less than a week before Christmas. I’d seen videos on social media of her working on 2024 planning for other brands, and I wanted to know what that looked like following her own year of success.
She listed a number of goals, including ensuring that the projects she takes on in the new year align with her identity “as a Black woman, as an African woman, as a mother, as someone who has lived a [rebuilding] season and is now trying to live boldly and entirely as themselves.” But, I was shocked by how much of her business planning also prioritized rest.
Despite the bestselling book, a self-titled podcast, and working with numerous corporations, Walters said she’s been taking Fridays off. This year, she doesn’t want to work on Mondays, either.
“A lot of us think we work hard until retirement hits. I want to progress towards retirement,” she said, noting that she’ll check in with herself around March to see how successful this plan has been. The goal, Walters said, is to only be working on Tuesdays and Thursdays by sometime in 2025. “It is intentionally building out what I know I would like to have happen and not waiting for exhaustion to be the trigger of change.”
"A lot of us think we work hard until retirement hits. I want to progress towards retirement... It is intentionally building out what I know I would like to happen and not waiting for exhaustion to be the trigger of change."
Walters said the decision to progressively work less was partially in response to her previously held notions about her career, especially as an entrepreneur. “When I first started, I thought burnout was a part of it,” she said. “What I didn’t realize is that even if you’re able to bounce out of burnout or get back to it, there’s a cumulative impact on your body. If you think of your body as a tree and every time you go through burnout, you are taking a hack out of your trunk, yes, that trunk will heal over, and the tree will continue to grow, but it doesn't mean that you don’t have a weakened stem.”
But, the desire for increased rest was also in response to the major shifts that occurred three years ago when she was experiencing major changes in her family and realized her metaphorical tree was “bending all the way over.”
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“One of the things we have to recognize, especially as Black women, is that there is this engrained, societal, systemic notion that our worth is built around our productivity,” she added. “That is some language that I think is just now starting to really get unpacked.” In recent years, there’s been an increased awareness of achieving balance in life, with Tricia Hersey’s “The Nap Ministry” gaining attention based on the idea that rest, especially for Black women, is a form of resistance. Even online phrases such as “soft life” and “quiet quitting” have hinted at a cultural shift in prioritizing leisure over professional ambition.
"One of the things we have to recognize, especially as Black women, is that there is this engrained, societal, systemic notion that our worth is built around our productivity."
If companies are lining up to consult with Walters about their brands and products, then women have been looking to her for guidance on starting over since she invited them to livestream her resignation 12 years ago. As viewers continue to demand more from content creators in the form of intimate, personal details, Walters has navigated her personal brand with a sense of transparency without oversharing the vulnerable details about her life, especially when it comes to her family.
The entrepreneur said she’d been approached to write a book for several years and was initially convinced she was finally ready to write one about business. “I started to do that, and then I went through my divorce. When that happened, I said, why would I write a book telling people to get the life that I have when I’m not sure about the life that I have,” she said.
Instead, she decided to write Nothing Is Missing and provide a closer look at her life, starting with being born to immigrant Ghanaian parents (“You need to know my childhood to know why I’m passionate about entrepreneurship.”) through the adoption of her three daughters and eventual divorce. Despite her desire to share, however, she said she felt protective of the privacy of her family, including her ex-husband.
When discussing this with me, Walters said she was reminded of a lesson she learned from actress Kerry Washington, who released her own memoir, Thicker Than Water, just a week before Walters’ book release. Washington’s memoir grapples with family secrets, too, specifically the fact that she was conceived using a sperm donor and didn’t learn about it until she was already a successful TV star. While Washington reflects on how the decision and subsequent deception impacted her, she’s also careful to hold space for her parents’ experiences, too. “A lot of things she said was that she had to recognize where she was the supporting character and where she was the main character,” Walter said.
This is something Walter worked to do in Nothing Is Missing when discussing her daughter’s struggles with addiction. “I was very intentional about making sure that I did not reveal more than what was required,” she said. “If I say something about someone’s addiction, I don’t need to go into the list of the substances they used, how they used them, what I found. [I don’t need to] walk into a room and paint a picture of what it looked like for people to understand.”
Walters said some of the most vulnerable moments in the book barely made a ripple once it was released. She was extremely nervous to write about getting an abortion, she said. But no one has asked her about this in the months since the book was released. Instead, people have been more interested in quirkier revelations, such as the fact that she once appeared on Wheel of Fortune.
“I have bared my soul about this thing I went through in my youth that has changed me for people, and people are like, ‘So how heavy was the wheel when you spun it?’” she said, chuckling. “It just goes to show that people never worry about the thing that you worry about.”
With the success of Nothing Is Missing, Walters said she still isn’t planning to release a business book at the moment. But, as she navigates parenting a teenager and two adult children while also navigating a relationship with her new fiancé, Walters said she believes she has at least one or two more books to write about her personal journey. “There is sort of an arc of where my life has gone that I know I’ve got something more to say about this that I think is important, relevant and necessary,” she said.
In just three years, Walters’ life has undergone a major transformation. There’s no telling what the next three years will have in store for her, but it seems likely she’ll retain an inspired audience wherever life takes her.
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Perimenopause Has Your Period Being All Over The Place? Here's What To Do.
Listen, I love being a woman — especially a Black woman. That is a full-stop statement. However, I wish someone had given me a very clear and consistent heads-up that once my period started, I’d be dealing with it, on some level, for the rest of my entire life. And that’s no exaggeration.
Nevermind the fact that you’re basically only “off” of your cycle one week of the month because there’s ovulation, PMS, and then your actual period. Yet even before menopause (which tends to require some sort of hormone therapy or holistic treatments to keep some sort of hormonal balance in your system), there’s perimenopause.
Ah, perimenopause. That period of time in your life that can last anywhere from a few months to an entire freakin’ decade where your body starts to release fewer eggs, your estrogen and progesterone levels are on one hell of a roller coaster ride, and you start to experience things like hot flashes, sleeplessness, and erratic-as-all-get-out menstrual cycles. *le sigh*
And since the average age of menopause is 51, this means that you can easily be in the stages of perimenopause around the time you turn 40, earlier if you end up going into premature menopause (I know, right?). And with that being the case, that’s why I thought it would be a good idea to give you 12 tips regarding things that you can do if you happen to notice that your cycle ain’t as predictable as it used to be so that you can deal with perimenopause with some level of sanity and grace.
1. Reduce Your Stress Levels
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Ever since you’ve had your period, you’ve probably known that your stress levels can affect it when it comes to how consistent your cycle is and how light or heavy it might end up being. Well, when it comes to perimenopause, stress can create all kinds of unwanted issues, especially since your 40s and 50s can be the time in your life when you’re already putting yourself under more pressure than you probably should when it comes to achieving life goals, balancing your personal and professional life and trying to figure out what you want your future to look like.
Anyway, since your hormone levels are already gonna be pretty topsy-turvy, you’ve got to be on-10 about keeping what stresses you out down. Set clear boundaries. If you’re a workaholic, it’s time to shift outta that. Exercise. Consider meditation. Definitely ramp up your self-care rituals. Pamper yourself more than ever. The symptoms that come with perimenopause are already stress-filled enough. You’ve got to be hypervigilant in making sure that they, on top of life life-ing, don’t do a real number on your mental health and your cycle, too.
2. Get Your Thyroid Checked
Did you know that 1 in 8 women will end up with some type of thyroid issue in their lifetime? The reason why that is relevant to this particular article is that if your thyroid isn’t acting like it should, that can result in an inconsistent cycle or super light or heavy periods. Since those are also symptoms that are directly associated with perimenopause, if your cycle is currently all over the place and you’re not sure why, or you’re in your 20s and going through these types of issues, it’s a good idea to get your thyroid professionally checked out. Just to prevent you from thinking that you’re in perimenopause when that might not be the case at all.
3. Also, Get an At-Home Perimenopausal Test
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Even though I know that a lot of us think that Googling is basically like a doctor’s visit, if you spend too much time on that thing, you will start to think that everything in the world is cancer-related (no joke). So, not just to keep yourself from becoming confused and/or paranoid but to also make sure that you are receiving accurate information when it comes to perimenopause, it can never hurt to do some professional hormonal testing. This is something your healthcare provider should be able to do for you.
Also, there are at-home tests that you can now take that, with the help of a blood sample from you (via a finger prick), can reveal what your estrogen, follicle-stimulating hormone (FSH), and luteinizing hormone (also known as LH — the hormone that stimulates your ovaries) levels are.
Does this replace going to the doctor? Absolutely not. However, it can give you some indication of what’s going on with you if your cycles aren’t what they used to be. A test that has a reputation for being pretty reliable is Everlywell’s Perimenopause Test. You can read more about it here.
4. Use a Menstrual Cup
A part of the reason why I even decided to pitch this article is because the last six months or so of my period has been a plumb trip. For instance, not too long ago, I had a light cycle for a whopping five weeks. No pain. No real blood-related drama. Just light-to-mid spotting after a full cycle that wouldn’t go away. My health care provider was like, “You know how old you are. Unless you’re in some serious discomfort or passing a lot of clots, it sounds like perimenopause.” Thankfully, I’ve been into menstrual cups for a minute now. However, if you’ve never tried one and you’ve been having extended-stay cycles, you might want to give them a shot.
While no one wants a period that seems to go on FOR-E-VER, if you’ve got a cup in, I promise that it’ll help you forget that you’re going through all of that…drama. Menstrual cups can make you feel like your period isn’t even there.
5. Eat Phytoestrogens
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Like I said earlier, something that your estrogen, progesterone, and even testosterone levels are going to do during perimenopause is fluctuate — sometimes drastically. When it comes to your estrogen levels, specifically, it’s what “triggers” your FSH and LH hormones to work properly. That said, estrogen eventually declines so low that you don’t end up releasing an egg every month. When that happens, that can also lead to weight gain (did you know there is such a thing as a “menopause belly”?) hot flashes, vaginal dryness, a lower libido, headaches, dry skin, and yes, an inconsistent period.
One way to bring some sort of stability to your estrogen levels is to consume plant-based estrogen foods, which are also known as phytoestrogens. Some of those include cabbage, spinach, pears, grapes, garlic, onions, wine, herbal teas, beans, and apples.
6. Eat More Protein Too
As far as your diet goes, something else that you will need to ramp up is your protein intake. Because menopause can cause you to lose muscle mass, can tank your moods (which tend to be all over the place where your period is too), and can keep your hormones imbalanced, if a steak is something that you’ve been craving lately, treat yourself. Protein is a great way to bring relief to all of those things.
By the way, if you happen to be a vegetarian or vegan, you can still get more protein into your body. Check out “Vegetarian Or Vegan? Check Out These High Protein Foods.” to learn how.
7. Cut Back on Caffeine, Sugar and Alcohol
I already know that some of y’all are going to roll your eyes at this one, yet the reality is that caffeine, sugar, and alcohol are all stimulants — ones that can have your hormones all over the damn place. So, again, for the sake of a more stabilized cycle, green and black tea are good coffee alternatives, honey is a good sugar one, and alcohol? Well, let’s dial that down to a couple of glasses of red wine a week, okay?
8. Sip on Some Chasteberry Tea
Something that I’ve been taking in supplement form for a while now is chasteberry. For starters, it’s a semi-potent phytoestrogen, and we’ve already touched on what those are able to do. Since some studies suggest that it can also raise your progesterone levels as well, sipping on some chasteberry tea couldn’t hurt if your cycle is inconsistent or you’re experiencing lengthy bouts of PMS.
9. Take Magnesium, Calcium and Zinc for Sleep
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The hot flashes alone that oftentimes come with perimenopause and menopause are enough of a reason to end up with some sleepless nights. Plus, when your estrogen and progesterone levels aren’t as balanced as they once were, that can have you tossing and turning quite a bit, too.
In fact, some studies cite that as much as 46 percent of women will have a difficult time getting quality sleep during perimenopause, and since sleep deprivation can also result in a late period? You need to do all that you can to get 6-8 hours of sleep every night, as much as possible.
Something that I can personally vouch for in this department is a magnesium, calcium, and zinc supplement. The combo is a type of nerve relaxant that can help not only improve your quality of sleep. It will also boost your immune system, regulate your blood sugar levels, and keep you in a good mood as well.
10. Track Your Cycle
Even though period trackers are somewhat controversial (due to our country’s current stance on abortion), even if you would prefer to not track yours via an app, do be intentional about keeping up with it in some sort of way. For me personally, because I could set my cycle by almost the minute for most of my life, the way I was able to tell that something was shifting was by knowing exactly when my period was supposed to start vs. when it was and how long it was sticking around. Also, don’t just take note of its length but also how heavy or light it is, what the consistency is, if you’re having a lot of clotting, and what other symptoms are showing up.
Again, even though perimenopause tends to be all over the place (LAWD), the more intel you have, the more you can narrow down if perimenopause is indeed what you are dealing with or if there is some sort of other underlying health condition going on.
11. Use Condoms
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Not too long ago, I was talking to a postmenopausal woman (which is a woman who has officially gone 12 consecutive months without a menstrual cycle) about one of her favorite things about not having a period anymore. What she immediately said was she’s thrilled to not have to worry about birth control; in fact, she literally burned all of her condoms (she’s been in an exclusive relationship for a few years now). Listen, while perimenopause is showing “light at the end of the tunnel,” when it comes to you being able to have this same testimony until you’re done with menopause altogether, you need to use protection.
Why? Because an erratic period is not the same thing as not having one at all — and since you may not even be able to predict when your cycle is coming, that means it’s also challenging to know when you’re ovulating. So, unless you want to be a new mom in your 40s, 50s, or even 60s — having a stash of condoms somewhere in your house is definitely a smart decision. You’ve been warned, chile.
12. Know When to See Your Health Care Provider
To tell you the truth, if anything too extreme is happening with your period these days, it’s a good idea to see your physician. Although if you’re a bit leery because you think that they might take extreme measures to deal with your perimenopausal issues (like recommending a hysterectomy, for instance), here are some definite orange-to-red flags that confirm a doctor’s appointment is needed:
- Your cycle is so heavy that you’re bleeding through a pad an hour for more than a couple of days
- Your cycle lasts for longer than seven days (especially consecutively)
- Your cycle happens more than once a month
- You can’t seem to find relief for perimenopausal symptoms on your own
- Something simply doesn’t feel right
If any of this is going on, please don’t self-diagnose; your doctor exists for a reason. Rely on their expertise.
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As someone who is going through perimenopause myself, I won’t even try to lie to you and say that it’s a cakewalk. Even though I don’t have any type of discomfort whatsoever, and the symptoms are very few — this unpredictable period ish is enough to drive me low-key crazy (if I let it). And that’s why I wanted to offer up some tips to get you through — because although it may not be immediate, sis, you will get through it.
Hang in there.
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