If you're trying to live on a modest income, it can feel like a challenge, especially when it comes to how to save money each month while simply trying to survive. But you can't let уоur іnсоmе ѕtаnd in the way of you and уоur best life. Fortunately, there are ѕоmе productive wауѕ tо build savings rеgаrdlеѕѕ of how much уоu еаrn. You will need to think оutѕіdе the box, but іt is entirely роѕѕіblе.
It саn bе incredibly ѕіmрlе to expand your savings wіth the right budget. Thеѕе steps wіll hеlр уоu build your savings regardless of whаt уоu earn and build the life of your dreams:
1. Tackle your debt.
Debt can hоld уоu back from reaching your personal fіnаnсе goals, so include a focus on addressing it when budgeting. According to experts, you want to first organize all of your debts and bills, and then develop a pay-down strategy. Next, commit to that strategy, whether that means paying a bit more than the minimum payment on certain accounts (if you can swing it), refinancing your debt, negotiating the settlement of your debts, or using that tax refund or side hustle income to make a significant dent in the overall amount.
Take a look at your credit report, contact companies you owe money to, and get on track with a strategy that will at least put a dent in the amounts you owe. It's also a good idea to brainstorm creative ways to pay down your debt (such as reallocating funds from that subscription service or salon visit to pay that credit card bill) and watch your debt decrease over time.
2. Cut your expenses.
Experts also offer several ways to cut down your expenses. You can start with activities such as cooking at home, using cash-back and discount apps, switching cell phone plans, canceling underused subscriptions, or downsizing by moving from a house to an apartment or condo. With these tweaks, you can begin to save funds in the long term. You can also use coupons, Groupons, or other discount opportunities in order to cut costs of groceries, gas, trips, or services like car repairs and maintenance.
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3. Create a deliberate savings pattern.
A savings pattern is a habit that you must form to get you closer to your savings goals. Nerdwallet defines this as a savings plan. Separate the money уоu ѕреnd on your daily nееdѕ from the money уоu іntеnd tо save, whether you do it electronically or through the envelope method. Even if it's a dollar or two a week, every penny counts and will add up to something. It's also a good idea, with еасh раусhесk, to ѕеt uр automatic ѕаvіngѕ by depositing a percentage of your check into a savings account each time you get paid. Talk to your HR or payroll representative at your job and set up these deposits accordingly. You can set it and forget it.
4. Maximize your employee benefits at work.
Some benefit plans offer zero costs for preventative care, for example. Flexible Spending Accounts (FSAs), Health Reimbursement Accounts (HRAs), retirement accounts such as IRAs or 401Ks, and other programs may provide pre-tax benefits, which could put more money in your pocket in the long run. Based on your company affiliation, you might also be eligible for discounts with major retailers and businesses. Contact your HR rep or manager to talk about ways you can build savings or add more to your take-home income via those benefits.
Whatever you choose to do, take steps toward building savings today, no matter how much you earn. With each small step, you can gradually build habits that will benefit you in big ways in the long run.
Featured image by Getty Images.
There’s just something about HBCU Homecoming that just hits different. Whether it’s your first time stepping onto the yard since graduation or you’re a regular at every Homecoming tailgate, HBCU pride is undeniable. It’s a vibrant celebration that unites the legacy of excellence and tradition with the energy and resilience of Black culture.
The experience goes beyond a typical college reunion; HBCU Homecoming is a family reunion, a fashion show, a cultural festival, and a week-long turn-up that embodies what it means to be unapologetically Black and educated. For HBCU alumni, the journey back to the yard each year is rooted in a love and pride that’s hard to put into words but impossible to deny.
From statement pieces to tech must-haves, every item represents the intersection of Black pride and HBCU love, ensuring that you show up to the yard in style and with intention. So whether you’re repping your alma mater for the first time since graduation or looking for fresh pieces to express your HBCU pride, these essentials will have you standing out, because, at HBCU Homecoming, it’s not just about showing up—it’s about showing out.
Thread Goals
diarrablu Jant Pants in Alia Noir
High-waisted, wide-legged, and ready to shut down the yard, the Jant Pants by diarrablu bring a whole new meaning to campus chic. Handcrafted in Dakar, Senegal, these free-flowing jacquard pants are perfect for stepping onto the yard with style and ease—making them a must-have for any HBCU alum’s closet.
Silver & Riley Convertible Executive Leather Bag Classic Size in Olive
This all-in-one luxury bag isn’t a bestseller for nothing. The Silver & Riley essential is made of Italian calfskin leather and thoughtfully designed, as it can be worn in four different ways: a shoulder bag, crossbody, a top handle, and a backpack. Chic and elegant, the Convertible Executive Leather bag is “the bag that every woman needs in her collection.”
Renowned Women's Intuition Cotton Graphic T-Shirt
Renowned
Renowned’s Women’s Intuition Cotton Graphic T-shirt features a bold graphic print inspired by the power and essence of women’s intuition. With its striking design, this all-cotton tee is a vibrant thing, making it a statement piece that celebrates feminine energy.
Mifland Million M Mesh Crop Shirt
Talk about bold, the Million M Mesh Crop Shirt combines edgy style with comfort, featuring Mifland’s signature print on a semi-see-through mesh fabric. Show up and show out in sophisticated flair.
HBCU Love FUBU
Melanin Is Life Melanated & Educated - I Love My HBCU Hoodie
Show off your HBCU love with this piece that represents everything you gained from your alma mater: a top-tier education, a community that lifts you up, and a deep sense of esteem for yourself and your culture. Wear it loud and proud, because being melanated and educated isn’t just a flex—it’s a legacy.
HBCU Culture Spelmanite Sweatshirt in Navy
Spelmanites, rep your Spelman pride with this unisex crewneck sweatshirt, designed for ultimate comfort and a relaxed fit. Made from a cozy cotton/polyester blend, this classic sweatshirt is as durable as it is stylish—making it an ideal piece for any Spelmanite showing love for their alma mater.
HBCU Culture Howard Is The Culture T-Shirt
Rock the ultimate flex by showcasing your Howard U love with HBCU Culture’s Howard Is The Culture t-shirt. This unisex tee offers a comfortable, relaxed fit that’s perfect for celebrating your HBCU spirit without sacrificing style or comfort.
DungeonForward FAMU - Strike Bucket - Reversible
DungeonForward’s Strike Bucket Hat brings versatility and style to the FAMU Crown collection with its reversible design, giving you two looks in one. Featuring a sleek black snakeskin-embossed brim lining and a bold outline Rattler emblem, this hat is all about repping your Rattler pride in style.
DungeonForward Savannah State University - HBCU Hat - TheYard
The Savannah State University HBCU Hat by DungeonForward is more than just a hat—it’s a symbol of Tiger pride and a nod to the culture. Perfect for gamedays, tailgates, or just showing off your HBCU love, this hat lets you carry a piece of the yard wherever you go.
Tech the Halls
Anker iPhone 16 Portable Charger, Nano Power Bank
Stay charged up with the Anker Nano Power Bank, which features dual USB-C ports, a foldable connector, and a compact design, making it perfect for those HBCU tailgates and late-night parties you pull up to.
Drip Check
Wisdom Frame 14 Square Sunglasses
Elevate your look with these angular square-frame sunglasses by Wisdom, bringing an ultramodern edge to any outfit. The sleek design makes them perfect for blocking out the haters while you stunt on the yard.
Coco and Breezy Eyewear Fortune in Gray Turquoise
The Fortune Glasses in Grey Turquoise is a bold statement piece to any Homecoming weekend ‘fit that “embody our fearless and outspoken DNA.” With their color and edgy design, these frames by Coco and Breezy are perfect for anyone looking to stand out and express their unapologetic confidence.
Howard U Lapel Pin
Rep your Bison pride wherever you go with this Howard U Lapel Pin from Pretty AmbVision. Whether adding it to your jacket, shirt, or bag, this pin is the perfect way to showcase your love for your alma mater while rocking your HBCU love with honor and distinction.
Mifland Standard Rucksack Mini
The Standard Rucksack is designed to evolve like that HBCU pride—getting richer, bolder, and better with time. Durable, stylish, and built to last, this Rucksack by Mifland is a timeless piece equipped with versatile carrying options and fully adjustable back straps for ultimate comfort.
Stay Fresh, Stay Blessed
Slip Pure Silk Sleep Mask in Pink
Keeping it cute starts with beauty sleep. This luxurious silk mask is an essential for a reason. If protecting your skin and waking up refreshed is your priority, look no further than this Homecoming essential.
Liquid I.V.® Hydration Multiplier Lemon Lime - Hydration Powder Packets
Stay hydrated and energized throughout Homecoming weekend with this Liquid I.V.® Hydration Multiplier in Lemon Lime. Just add a packet to your water bottle, and bless your body with 2-3 times more hydration than water with every packet. Because staying hydrated is the key to popping up and showing out all weekend long!
Loop Experience Plus Earplugs High Fidelity Hearing Protection
Designed for your hearing protection, these sleek earplugs reduce noise without compromising sound quality—perfect for enjoying the band’s halftime show, late-night parties, and DJ sets. Whether you’re front row at the step show or hitting the yard, your ears deserve to be protected in style!
Black Girl Magic Glass Cup
Sip in style and celebrate your melanin with the Black Girl Magic Glass Cup. Perfect for morning coffee, your favorite iced drink, or showing off your HBCU pride on the yard—this cup is all about keeping it cute while radiating your endless supply of Black Girl Magic.
Glow Up & Show Out
Black Girl Sunscreen SPF 30
What Homecoming weekend can be complete without an assist from this beauty find? Formulated to blend seamlessly into melanin-rich skin (no white-cast), protect your glow while you turn up with the Black Girl Sunscreen SPF 30.
Sienna Naturals Issa Rae's Wash Day Ritual Set
Issa Rae’s Wash Day Ritual Set from Sienna Naturals includes the H.A.PI. Shampoo, the Plant Power Repair Mask, Dew Magic, and Lock and Seal to get your crown right. Whether you’re repping your coils or rocking a new color on the yard, these products restore and nourish your strands, keeping your hair healthy, strong, and Homecoming-ready!
54 Thrones Ivorian Cocoa + Ghanaian Coconut Beauty Butter
Stay glowing from the tailgate to the after-party with the 54 Thrones Ivorian Cocoa + Ghanaian Coconut Beauty Butter. Infused with African-sourced ingredients, this rich, multi-purpose butter is the answer to keeping your skin soft and radiant through all the festivities all Homecoming long.
Saie Glossybounce Hydrating Lip Oil
Keep your lips looking luscious and nourished with the Saie Glossybounce Hydrating Lip Oil. Perfect for adding an extra pop to your pout before hitting the yard or freshening up between events, this lip oil is a beauty essential for staying camera-ready all weekend.
Join us in celebrating HBCU excellence! Check out our Best In Class hub for inspiring stories, empowering resources, and everything you need to embrace the HBCU experience.
Featured image by Visual Vic/Getty Images
Ananda Lewis Clarifies Why She Didn't Get A Mastectomy & Says She's Doing 'Better' After Stage IV Breast Cancer Diagnosis
Former MTV VJ Ananda Lewis received a lot of backlash from online critics after sharing she decided to forgo a double mastectomy. But there's more to the story.
Ananda was diagnosed with stage III breast cancer in 2019, and during a recent round table discussion with CNN's Stephanie Elam and Sara Sidner, she revealed that she decided not to get a double mastectomy and, now, she has stage IV cancer.
Following that interview, she clarified why she did not get the surgery. “The circumstances were not conducive to surgery because my tumor wasn’t aggressively growing at the time, and then COVID hit,” Ananda told The Epoch Times.
She opted for a cryoablation treatment instead, which uses extreme cold to destroy the cancer cells.
Another thing the 51-year-old wanted to clarify was whether she was dying. She said she is not. “Nothing happened. Today, I am fantastic. I may have felt like I was dying in February, but I’m not dying, and I’m definitely doing better than I was last October,” she said.
She is focused on taking care of herself and getting a "good 20 more years out of this body." She follows a keto diet and avoids alcohol, white flour and white sugar.
During the CNN roundtable discussion, the mother of one shared that she had an integrative approach to her treatment, which included traditional medicine and homeopathy methods such as red light therapy.
“My plan at first was to get out excessive toxins in my body. I felt like my body is intelligent, I know that to be true. Our bodies are brilliantly made,” she said.
“I decided to keep my tumor and try to work it out of my body a different way,” she continued. “Looking back on that, I go, ‘You know what? Maybe I should have.’
Ananda also admitted that she wasn't prioritizing early detection, such as getting mammograms. The former talk show host's mom also had breast cancer and chose to go the conventional route, which influenced her to go a non-traditional route.
As a content creator, Ananda uses her social media to inform others on the things she's learned about obtaining good health such as toxic items to through out of your pantry and the many benefits of water.
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Feature image by Paul Archuleta/Getty Images