![Quantcast](http://pixel.quantserve.com/pixel/p-GS-HF4BKvzCmv.gif)
![How To Cope When You're In Debt](https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8zMDgwMDQ0OS9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTczNjYyODYwNX0.PC1alBVs3a0LvgVaKi26Ch6wCNHbQNlLIMrt1dh0bbc/img.jpg?width=1200&height=600&quality=90&coordinates=0%2C14%2C0%2C340)
How To Cope When You're In Debt
Let's face it: Debt is a common part of the personal finance reality for millions of people in the U.S., and it's something, as Black women, we often struggle with. It can keep you up at night, lead to that final step to start a side hustle, or simply serve as a reminder of an option that facilitated your journey to live your best life.
Whatever your reason is for being in debt (or owing a balance to any entity or person), you can be empowered and find solutions for how to cope with debt. Try these steps in order to get a handle on things and gain balance:
Step away from the guilt, shame and fear.
Oftentimes, there's an element of fear and shame when it comes to facing debt. You might feel overwhelmed just by the mere thought of owing anybody money. It might even contribute to depression and anxiety. This is why an important first step is to deal with the feelings of shame, talk with a professional (find free resources here) and find ways to overcome those feelings in order to focus more on a plan of action.
Also, remember that you're not defined by debt and that you're a beautiful human being who simply happens to have debt. It's not the end of the world and it doesn't diminish the amazing person you are. Your life and mental wellness are priceless and should be celebrated and protected.
MoMo Productions/Getty Images
Honestly evaluate your income and budget.
If you don't have a budget, now's a good time to create one, even while in debt. When you have a budget, you get to know exactly how much money you're earning, how much you're spending, and what your bills truly are. This is the perfect opportunity to get honest about your money flow (even if you're unemployed or underemployed) and a great time to find out what your options are in terms of a plan to pay down debt. And make technology your friend. There are several budgeting tools and apps that will do all the hard work for you when it comes to tracking your expenses and money flow.
Be sure to take a realistic approach to budgeting, including recognizing what you're willing to give up, cut back on, or not. Getting help with this is also a good idea if budgeting is something that overwhelms you or is something you struggle with, and there are nonprofits and orgs such as Greenpath to look to for options in debt management.
Contact your creditors and explore your options.
Bills like those with medical institutions or hospitals can oftentimes be negotiated, down to the final sum due. You can also discuss your options with credit card companies and explore your payment options based on "hardship" programs. It can be a huge relief when you know you have options and everything isn't all doom and gloom. Oftentimes, you can get a handle on debt simply by talking with the party you owe, asking lots of questions about what your options are, and even making an offer that's more beneficial for you (i.e. settling the debt for a lower lump sum, forgiving late fees, or forgiving the loan altogether.) You can find empowerment by negotiating, even for conditions or amendments, that you didn't believe to be possible simply because you were so focused on worrying about the debt.
Celebrate the wins, big or small.
Whether you paid off a $200 debt or are much closer to finally paying off that $20,000 student loan, celebrate it. Don't let it just pass by as if it's a blip on the personal finance radar. It's good to treat yourself and focus on the good in the journey. Experts recommend doing this so that you can have something positive to focus on while you're going through a debt-management journey that challenges you. You can find small and affordable ways to do this. Include your support system and enjoy the company of family, friends, or bae.
Xavier Lorenzo/Getty Images
Explore other options for income generation or downsizing.
While you may not want to add on the stress of a second job or side hustle, it might be a good idea to look for other options to bring more money in. Explore the return on time investment and really tap into why getting a second gig, applying for a higher-paying job, or asking your company for a raise might be the best option, especially if you're trying to avoid continued interest expenses and just knock the debt out as soon as you can. You'll have to become super-deliberate about how you're spending your time and ways you can bring in more income in order to pay down the debt.
If you can move in with a family member, take on a roommate or tenant, or try a weekend gig in which the salary or income goes totally toward cutting down debt, it might be a worthwhile sacrifice in the long run.
Whatever reducing debt can mean for you, peace of mind is priceless. Finding strategies or realistic ways to reduce debt is both reasonable and doable. With a bit of planning and determination, you can do it, sis. Remain encouraged and try the tips above to take your life back.
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 Fizkes/Getty Images
This article is sponsored by Hulu.
UnPrisonedhas returned for its highly anticipated second season, delving deeper into the complex dynamics of the Alexander family.
The series premiere comes a year after its debut season garnered rave reviews from fans and critics and earned record-breaking ratings for Hulu's Onyx Collective brand. UnPrisoned's success can be attributed to its raw, relatable themes and comedic appeal.
Inspired by creator Tracy McMillan's life, the show follows Paige (Kerry Washington), a therapist and single mother whose life takes an unexpected turn when her father, Edwin (Delroy Lindo) --who was released from prison-- moves in with her and her teenage son, Finn (Faly Rakotohavana).
Throughout UnPrisoned's first season, viewers witnessed how Edwin's incarceration deeply affected Paige's life and relationships. In the series, Paige unpacks her trauma through interactions with her inner child and her online followers. Meanwhile, Edwin is overcoming specific struggles with his own past that led to his life of crime, including a dysfunctional upbringing and his mother's arrest. As the Alexanders attempt to reconcile, new challenges arise.
This new season promises to further explore their unconventional family dynamic. Here are several compelling reasons why season two of UnPrisoned should be on everyone's watchlist.
The Alexander Family Life Is Still In Shambles
UnPrisoned's second season resumes where the series left off, with Paige grappling with the fallout from her troubled therapy practice and Edwin navigating life independently after moving out. Meanwhile, Finn faces his own challenges. The teenager is battling anxiety and seeking information about his father—a topic Paige avoids discussing.
The Alexander Family Are Attending Therapy To Resolve Their Underlying Issues
Amid the chaos in their lives, the Alexander family decides to mend their bond by confronting their past traumas. They seek professional help and attend therapy sessions with a “family radical healing coach,” played by John Stamos, a new cast member. This collective effort aims to unravel the complexities of their shared history and strengthen their relationships.
The process of unraveling each character's internal conflicts and their potential impact on future relationships may clash with Paige's textbook therapy approach. While Paige is used to being in the therapist's seat in both career and family, this forces her into the unfamiliar role of a patient during therapy sessions. This shift would compel her to look in the mirror and try a radically different approach.
The Alexander Family Learned A Big Lesson During A Therapy Session
In therapy, the Alexanders are tasked with addressing their individual traumas to salvage their remaining relationships. One of the family therapist’s eccentric suggestions was an exercise involving a family wrestling match. During this session, Paige faces tough questions about her refusal to share information about Finn's father.
While it's unclear whether this scene is reality or fantasy, the image of the family duking it out in the ring certainly makes for hilarious yet compelling television.
Paige Tries Dating Again Following Failed Relationships
Amid her life's chaos, Paige decides to step back into the dating field. However, her many attempts have left her with mixed results. The dating apps have turned out to be a fail, and an outing with her ex Mal (Marque Richardson), who is also her father's parole officer, doesn’t go quite as expected after he brings an unexpected guest – his new girlfriend.
The situation takes an awkward turn when Mal's new partner learns why the former couple split, partly due to Paige's self-sabotage.
UnPrisoned Is A Perfect Balance Of Comedy And Drama
As a dramedy, UnPrisoned takes a comedic approach to its heavy subjects. The show takes us on a ride with Paige's dating misadventures and navigating a friendship with her ex.
Other lighthearted moments include Edwin's attempts at CPR based on online videos and, of course, the antics of the Alexander family's unconventional new healing coach.
The second season of UnPrisoned is now available on Hulu.
UnPrisoned | Season 2 Trailer | Hulu
Feature image courtesy
Summer Travel Guide: 9 Safest Vacation Spots For Black Women
When it comes to planning and choosing our international travels, there’s one question that is bound to come up: “Is it safe for Black women?”
At times, our travel plans can be halted by whether or not our desired destination is safe not only for solo travel but for overall protection as women of color. We want to have fun, go on excursions, taste the food, and let our hair down, so the last thing we need on our minds is navigating microaggressions and worrying about our safety.
According to a report by The Mandala Research Firm, 17% of Black Americans take one or more international trips and travel locally more than six times per year. Even more exciting, 42% of Black Americans said they would spend more in 2020 on travel than in 2019 (pre-Covid), and 50% of Black adults (16% more than the general population) are more likely to travel to locations associated with their ethnic or cultural heritage. All of this goes to show that we’re not afraid to pack our bags and book flights to our heart's desire.
Our passion for travel and exploration highlights a growing desire to connect with a wide range of cultures while discovering new fresh locales. By choosing destinations with positive reputations for safety and belonging, you can enjoy your next adventure with peace of mind. And to help, we’ve provided a list of the best vacation spots to add to our travel bucket list.
1.Havana, Cuba
Known for its vibrant culture and welcoming locals, Havana offers a unique travel experience for you and your girlfriends. Stroll through the historic streets of Old Havana and immerse yourself in the lively music and dance scenes that make this city unforgettable.
2.Rio de Janeiro, Brazil
Famous for its Carnival, stunning beaches, and warm hospitality, Rio de Janeiro is a lively and safe city to explore all year long. Don't miss a visit to the iconic Christ the Redeemer statue and the bustling Copacabana Beach for a true taste of Rio's energetic spirit.
3.Belize
With its beautiful beaches, diverse wildlife, and laid-back Caribbean vibe, Belize is a safe and adventurous destination for travelers. Discover the underwater wonders of the Belize Barrier Reef and explore ancient Lamanai Maya Ruins.
4.Paris, France
Who doesn’t have Paris, the city of lights, on their travel list? Renowned for its art, fashion, and iconic landmarks like the Eiffel Tower, Paris offers a blend of romance and safety for travelers. Wander through the charming neighborhoods of Montmartre and Le Marais, explore the Louvre, and indulge in the city's exquisite culinary delights.
5.Lisbon, Portugal
Portugal's capital city, Lisbon, charms visitors with its historic architecture, delicious cuisine, and welcoming atmosphere. Enjoy breathtaking views from São Jorge Castle and savor traditional pastries at the famous Pastéis de Belém bakery.
6.Bali, Indonesia
We’ve all seen the viral photos off the Bali coast and Gates of Heaven, so why not make it a reality? Famous for its lush landscapes, vibrant culture, and serene temples, Bali offers a safe and enriching travel experience in Southeast Asia.
7.Tokyo, Japan
Recently, the value of the Japanese Yen has seen a significant drop, making it the lowest it has been against the dollar since 1986, which also means that there’s no better time than now to make your travel plans to the renowned cultural hub.
8.Accra, Ghana
There’s no FOMO like the kind felt from seeing all the beautiful faces enjoying their holiday at Ghana’s Afrochella Festival, so let this be your sign to start planning the trip now. Often referred to as a welcoming home for the African diaspora, Ghana offers rich cultural experiences and a sense of belonging. Explore the vibrant markets of Accra and visit the historic Cape Coast Castle to connect with the nation's poignant past.
9.Seoul, South Korea
You may be surprised to find this city on the list, but for Black travelers, Seoul is said to be one of the safest and most exciting cities to travel to. There will be plenty to eat, buy, and experience from this city’s rich history and culture.
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Featured image by Klaus Vedfelt/Getty Images