I never thought I would be self-employed. I literally planned out my life at 9 to live in New York, finance that lifestyle with a regular-smegular job, and live on fabulously. I really didn't see self-employment modeled in my everyday life, as most of the women who raised me worked for private companies, government entities, corporations, or the military.
It wasn't until college that I'd see self-employment modeled among women, especially the mothers of my friends who were first-generation Caribbean or African. All of their moms were highly educated and held down 9-to-5s but always had some sort of side hustle. Fast-forward to my first major publishing gig, working for a magazine that highlights all that is excellent about Black entrepreneurship, and I finally got bit by the bug. I decided to try consulting as a side hustle.
One day I woke up, ready to go to work after being given a raise and a title promotion, and a voice (God, duh!) said, "Janell, you need to quit. Go off on your own. It's now or never." So I did.
I went full-time with consulting and never left my love for editing and writing behind. No one would tell me that it wouldn't be all about empowering roses, extreme time and energy flexibility, and cashing checks. Baby, it can be a rough road, with many detours, bumps, and even crashes.
If you're considering becoming self-employed, consider what I've learned (mostly the hard way) in my journey:
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Taxes...Taxes... Taxes...
It was all good when I'd get my check at a job, and all the heavy lifting related to taxes had been done already. Maybe I'd cringe that my take-home pay had diminished by quite a lot once taxes were taken out, but that feeling is nothing compared to the utter horrific trepidation that comes with tax season when you have to file as a self-employed professional.
Quarterly tax obligations are real, and a huge lesson I've learned is that you have to really become honest with yourself about your money mindset, how you dealt with money before becoming self-employed, the federal and state tax requirements that apply to you, and the importance of embracing and taking full advantage of the resources out there to help you.
Often, when you're self-employed, you feel like you can do it all, but in my case, I found that dealing with money matters really intimidated me. I had to empower myself by asking for help and getting the information I needed to succeed.
If you're considering self-employment, talk to others who are self-employed, get references for tax attorneys, coaches, financial advisers, or certified accountants, and check out the IRS website to find out the information you need. Look to your local businesses and organizations that advocate for you. Get the knowledge you need and write out a plan of action ahead of time so that you won't be overwhelmed when you're ready to go for it.
And offer yourself grace. Life is not about perfection, and you can't know it all at all times. Experience can sometimes be the best teacher as well, especially when it comes to being self-employed.
Invoicing And Knowing Your Worth
Setting prices for your time, services, or products can be tricky, but if you decide to continue pursuing the same work you did in your 9-to-5 when you move on to be your own boss (like I did), this can be much easier. Be sure to check the market rates for what you offer to the world by going to sites like Salary.com or Glassdoor to help you set a baseline for what you should be getting paid. Ask around your industry and get a mentor who can guide you on this, especially someone who has been in their field, self-employed, for many years. (You want to learn from folk who have receipts.)
Early on, I tragically undervalued my services, talent, and experience and undercharged by a lot. I often felt desperate because, to be honest with you, my confidence wasn't as high as I thought it was when I started the journey. I also had bills to pay and didn't want to go through the shame of failing.
Well, if you're reading this, you can plan better than I did in the early days and set yourself up for success by not only charging what you're worth but adding tax (literally...I just told you about Uncle Sam, sis), but saving up and planning so that you can take or leave any client or customer. You won't be so pressed because you've financially and mentally prepared yourself to take the leap.
Now, I'm not saying deplete all your savings and live off of credit cards and hope. I am saying go into self-employment with a realistic sense of what you should be charging, how your prices and expenses affect your finances, the reasonable market rates for what you're offering to the world, and the quality of life you'd like to have for yourself and your family.
It took me years to get in a good groove of understanding the types of clients I wanted to work with, what publishers I wanted to build relationships with, what I was willing to sacrifice just for the experience, and my hard boundaries for the return on investment of my time.
Again, if you feel confused or anxious about this, get some help. Talk to a coach, join a Facebook group, or invest in courses where you can be around and learn from other self-employed professionals who have been successful, and the fruits of their labors are super-evident.
The Isolation And Loneliness
I've always been one who loves my own company and will do almost anything alone (especially traveling, going out to dinner or movies, or trying something new and daring that I can't convince anyone in my network to do).
However, especially during the pandemic, I learned that while I'm never really lonely, I absolutely hate feeling alone. The isolation really caused me to go inward, lose a lot of my zest for serving people, and ruined any sense of community I'd felt previously. It also made me realize that we need people and that I crave the exchange of human energy when it comes to doing what I love.
Embarking on a self-employment journey means also reaching out and being an active part of networks where you can serve, learn and grow so that you can avoid making mistakes, advance your career, boost your business, make friends, and really contribute in a more elevated way. Go to those mixers, sis. Take that coffee or virtual lunch invite. Travel on that retreat. Volunteer. Do things that will really enrich your spirit and provide some sort of social interaction that will make being self-employed something fulfilling to be.
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Broke, Going Back To A 9-to-5....And Failure
I really want to keep it 100 on this one: Almost every self-employed person I know has had to go back to a 9-to-5 at one point or another, even if it was part-time or something that they would never dare put on their resume. Sometimes, you gotta do what you gotta do.
Some people work a 9-to-5 to fuel their future of full-time self-employment. Some went solo and found that they needed to do a bit more self-development and get a bit more education by working for a company.
Some people took a leap and failed. It happens, and it happened to me. I'm proud of having sold shoes (one of the best jobs of my life), answered phones, or sold products via telemarketing because it taught me humility, customer service, and sales skills and helped me engage with people in a way I hadn't when self-employed.
It also boosted my confidence, letting me know I could do anything I put my mind to and that God would never leave me hanging off a cliff. It strengthened my faith and made me even more determined to continue to go for my dreams.
It also widened my network, and one job even helped me finance a major surgery I didn't even know I'd need. (The actual job was a flop, but the experience was a God-send that I'm forever grateful for because had I not been employed and fully insured, I'm not sure I'd be here to write this.)
Being self-employed isn't the fantasy that's often portrayed on social, but if it's the path for you, it can be super-rewarding. Be sure to take heed to the lessons I've learned along the way, remember your why, stay diligent, enjoy the process, and be that successful self-employed boss you were called to be.
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Anyway, I personally think that the less shallow folks out here may contemplate calling things “quits” or they at least distance themselves a bit from their partner (and what I’m referring to is serious relationships) due to all of the stress and strain that oftentimes comes with the holidays whether it be financial, familial, due to their tight schedules or something else.
Listen, I would hate for you and your man to miss the fun and happiness of experiencing this time of year, all because you are so overwhelmed or irritated that you can’t really enjoy it. That’s why I have a few practical tips for how to avoid allowing the typical holiday season stress from INFECTING your relationship.
Manage Your Expectations
GiphyUnmanaged expectations. If there is a main reason why the holiday season tends to be so stress-filled for so many people, I’d bet good money that this is the cause. And when you’re in a long-term relationship, expectations can manifest themselves in all sorts of cryptic and/or unexpected ways. You might have relatives who assume that you are going to be with them for Thanksgiving or Christmas when you have other plans in mind. You might be thinking that you are going to spend one amount for presents while your man is thinking something totally different. When it comes to scheduling, your signals may be crossed.
And you know what? To all of these scenarios, this is where clear and consistent communication come in. Don’t assume anything. Don’t dictate anything either. From now until New Year’s, mutually decide to check in once a week, just to make sure that you are both on the same page as it relates to the holidays and what you both are thinking will come along with it. The less blindsided you both feel, the less stressed out you will be. Trust me on this.
Set (and Keep) a Budget
GiphyOkay, so I read that last year, 36 percent of Americans incurred some type of holiday-related debt. Hmph. Last year, there was still some sense of normalcy in this country, chile, so I can only imagine what finances are gonna look like over the next several weeks. That said, since I don’t know a lot of people who don’t find being broke stressful, make sure that you and your bae set a budget and then stick to it this year — no ifs, ands or buts.
Because really, y’all — it doesn’t make sense to deplete savings and/or max out credit cards for a few days of giggles only to be damn near losing your mind because you don’t know how to make ends meet come Dr. Martin Luther King, Jr. Day.
And by the way, this tip doesn’t just speak to things like food and gifts; I also mean travel. If it doesn’t make a ton of sense (or cents) to be all over the place this year — DON’T BE.
Keep Matthew 5:37 at the Forefront
GiphyIf off the top of your head, you don’t know what Matthew 5:37 says, no worries, here ya go: “But let your ‘Yes’ be ‘Yes,’ and your ‘No,’ ‘No.’ For whatever is more than these is from the evil one.” That verse right there? Oh, it’s a boundaries lifesaver! I say that because do you see “maybe” or “I’ll think about it” in there? Nope. LOL. It says that you should tell people “yes” or “no” and leave it at that — and that complements Anne Lamott’s quote, “’No’ is a complete sentence” impeccably well. Yeah, you’ve got to remember that anything beyond a yes or no to a request is privileged information; you don’t owe anyone details or an explanation.
Besides, if you are really honest with yourself, when someone asks you something and you give a “Umm, let me think about it” kind of reply, more times than not, you already know what your answer is going to be — so why not let you both off of the hook? Give your response. Commit to that. And let everyone (including yourself) get on with their lives and schedules.
I promise you that when it comes to those holiday parties, you are pissing more folks off by not RSVP’ing or doing so and not showing up than just saying, “Thank you but not this year” off the rip.
Remember That Your Personal Space Is Privilege Not a Right
GiphyA friend of mine recently bought a new house and invited me over to come see it. He’s a single man with no children, so as I was taking in all of the space that he had, especially as I walked through his finished basement, I joked about relatives coming to live with him. “Hell no” and “absolutely not” were pretty much his immediate responses as he went on to say that some folks even had the nerve to be offended when he told them that he had no intentions on taking DNA in.
Ain’t it wild how people think that your stuff is their right? And yes, that brings me to my next point. Your home is your sanctuary space. If you want to host folks this year — cool. If not, ALSO COOL. Please don’t let folks (family included) guilt you into how they want you to act or even into what they would do if the shoe was on the other foot. You are not them — and as one of my favorite quotes states, “If two people were exactly alike, one of them would be unnecessary.” (A man by the name Larry Dixon said that.)
Hell, my friends? They know that I am good for sending them random things that they need or even want all throughout the year. Coming over to hang out at my pace, though. Uh-uh. Chalk it up to being a card-carrying member of the ambivert club yet I like keeping my living space personal — and I sleep like a baby, each and every night, for feeling that way.
Always remember that your space, your time, your resources, your energy and shoot, yourself period (including your relationship), are all things that are your own. You get to choose how, when and why you want to share them. The holiday season is certainly no exception.
Cultivate Some “You Two Only” Traditions
GiphyIt’s not uncommon for some couples to hit me up after the holiday season to “detox.” Sometimes it’s due to the financial drama (and sometimes trauma) that they experienced. Sometimes it’s because they allowed their relatives (especially in-laws) to get more into their personal business than they should’ve. More than anything, though, it tends to be because they didn’t get enough quality time together and so ended up feeling “disconnected.”
Please don’t let that happen. Listen, I’m not even a holidays kind of woman and yet, I will absolutely sit myself down with some hot chocolate and chocolate chip cookies to enjoy a Hallmark holiday film or two. Aside from the fact that most of them are lighthearted and sweet, I also like that they usually focus on couples loving on each other amidst all of the holiday beauty and ambiance — which is something that all couples should set aside some time to do.
Maybe it’s a vacation. Maybe it’s a staycation. Or maybe it’s my personal favorite, A SEXCATION. Whether it’s for a few days, the weekend or even overnight — don’t you let the holidays go by without setting aside time for you and your man to celebrate one another. Don’t you dare (check out “Are You Ready To Have Some Very Merry 'Christmas Sex'?”).
GET. SOME. REST.
GiphyI once read that 8 out of 10 people get stressed out over the holidays and 3 out of 10 lose sleep during to it — and when you’re stress-filled and sleep-deprived, that can absolutely lead to hypersensitivity, making mountains out of molehills and even not being in the mood for sex.
Your relationship can’t afford to go through any of this, so definitely make sure to prioritize rest. I don’t care how unrealistic it might seem during this time, sleep should never be seen as a luxury; it will always and forever be a great necessity.
That said, try to get no less than six hours of shut-eye in (check out “6 Fascinating Ways Sex And Sleep Definitely Go Hand In Hand”) and even ask your bae to take a nap with you sometimes (check out “Wanna Have Some Next-Level Sex? Take A Nap, Sis.”). Not only will sleep help to restore your mind, body and spirit but, when it’s with your partner, it’s an act of intimacy that can make you both feel super connected, even in the midst of what might feel like chaos.
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Holiday season stress is real. Still, never give it the permission or power to throw your relationship off. Put you and your man first and let the holidays be what they are gonna be, chile.
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If, while on your continual journey to get the best out of your own tresses, you’d like to learn how to get them healthier than it’s ever been, I’ve got seven acids that are typically known for skin use that can be just as beneficial to your hair as well.
1. Salicylic Acid
When it comes to your skin, salicylic acid is beta-hydroxy acid that is great for your skin if you’re looking for something that will exfoliate it, clear out your pores and dissolve dead skin cells. In fact, this is why it’s an acid that is quite popular when it comes to treating acne.
Your hair will enjoy salicylic acid because, if you’re looking to remove product build-up, you want to soothe an itchy or irritated scalp or you’ve got some dandruff flakes that are totally driving you up the wall, salicylic acid has the ability to treat all of this. Either purchasing a shampoo that contains this ingredient or adding it to your favorite scalp scrub is probably the most effective way to get the most out of it.
Just make sure that if your scalp is sensitive or dry that you approach with caution. In these instances, it could end up irritating your scalp more than helping it out, so use a very little bit in the beginning to make sure that it vibes with you.
2. Lactic Acid
Lactic acid is an alpha hydroxy acid that can help to even out your skin tone as well as slow down the signs of aging. The properties in it help to do this by reducing hyperpigmentation and boosting collagen production in your skin as well as keeping it hydrated.
Why is it great for your locks? For one thing, lactic acid is considered to be a humectant. This means that it pulls water from the air so that your hair is able to remain moisturized.
Another thing that makes it a winner is the fact that lactic acid breaks down dead skin cells on your scalp (so that your hair follicles are able to flourish), it can help to soften and detangle your hair (making it a helpful addition on your wash days) and it also helps to protect your tresses from heat styling tools and UV damage. Applying a hair rinse that’s made up of part lactic acid and part water can work wonderfully (so long as you apply it once a month, tops; more than that might be too “intense” for your hair strands).
3. Glycolic Acid
Glycolic acid is a water-soluble alpha hydroxy acid that is actually made from sugar. Your skin will adore it because it smooths the appearance of fine lines and wrinkles, improves the texture of your skin, gently exfoliates, clears your pores and brightens up your complexion overall.
The reasons why you should consider this acid for your hair is because it helps to keep your scalp youthful (and yes, there is such a thing; check out “Your Scalp Ages Six Times Faster Than Your Face. Why It Matters.”), removes excess sebum (that could be clogging up your hair follicles) and it helps to keep your hair moisturized. Your best bet here is to make it a part of your pre-shampooing ritual.
4. Succinic Acid
Succinic acid is an acid that is made from sugar cane and contains antimicrobial and anti-inflammatory properties. Although it doesn’t exactly exfoliate (like many of these other acids do), it can still be beneficial to your skin when it comes to reducing the kind of irritation that is associated with eczema, decreasing the bacteria that leads to breakouts and keeping your skin pretty hydrated.
As far as your hair goes, this is an acid that is worth trying out because it helps to balance the sebum that is on your scalp, remove dead skin and product build-up that can irritate your scalp and clog your hair follicles and, succinic acid is also beneficial when it comes to reducing dandruff and helping to prevent hair loss. Most people tend to apply this as a serum.
5. Hyaluronic Acid
I’ve officially sung the praises of hyaluronic acid on this platform before. One example is via the article, “Why Your Skin, Hair, And Nails Need Hyaluronic Acid Like...Yesterday.” On the skin tip, hyaluronic acid is great because it deeply hydrates your skin, contains anti-aging properties and can even bring relief to vaginal (including vulvar) dryness.
Your hair will adore this particular acid because it aids moisture to it (including your hair follicles), will help to improve your hair’s texture and it also soothes scalp dryness, nurtures the cuticles of your tresses and decreases frizz. Using a serum rich in this acid as a pre-poo or as a leave-in conditioner is recommended.
6. Azelaic Acid
If you’ve never heard of azelaic acid before, this is your lucky day. It’s a dicarboxylic acid that, when it comes to skincare (and hair care) products, is usually synthetic. Anyway, if you are looking for a way to reduce inflammation, even skin tone after a breakout or if you want to use an exfoliant that will improve the texture of your skin overtime, you might want to give this acid a shot.
This one makes the list as far as your hair is concerned because, if achieving more inches is your current focus, azelaic acid might come in handy. That’s because it is able to strengthen your hair, thicken your strands and also stimulate hair growth from within your hair follicles.
7. Glutamic Acid
Glutamic acid is actually a type of amino acid. Skin-wise, it’s great for deeply hydrating your skin as well as protecting it from pollutants and damaging UV rays. Also, if you’re looking for an acid that treats skin dryness or “tightness,” this could be the answer to your prayers.
Since glutamic acid is also considered to be a humectant, it’s another acid that can moisturize your hair. As a result, it can decrease breakage while helping your hair to feel smooth and look shiny.
BONUS: Amino Acids
Speaking of amino acids and hair, please try to keep some amino acids in your diet at all times. The reason why is because, since your hair is made up of mostly protein (keratin, to be exact), amino acids are pretty darn effective when it comes to helping you to maintain the overall health and well-being of your hair.
Ones to prioritize include proline (it boosts collagen so that your hair strands can maintain flexibility); arginine (it increases blood flow to your hair follicles so that they can receive the nutrients that they need); cysteine (it helps to keep your hair follicles healthy); alanine (it helps your system to produce more collagen), and isoleucine (it strengthens the tissues that help to make up your hair strands). All of these are available in supplement form or you can use Google to see which foods contain them.
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Although it might initially seem odd to apply acid to your hair, as you can see, certain ones will work miracles for it. So, test them out to see which one tickles your fancy.
Hell, since they work for your skin as well — it’s a two-for-one deal that is worth every penny!
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