

There's always talk about entrepreneurship and how it can be the key to making your financial dreams come true, but there often isn't as much talk about the sacrifices—especially those that hit your pockets hard—required to get a business off the ground, nevertheless keep it running. And maybe you've got a great idea, but when you're out there just trying to live a normal life, who can even think about taking money out of the I'm-barely-making-ends-meet account and putting it toward starting a business? Research even shows that one of the top reasons women don't start businesses is because of the startup costs required.
Well, we're not into discouraging our aspiring bosses out there. We're here to talk solutions for starting a business with little money. Here are a few ideas inspired by those who have done just that so you can get started on making your business vision a reality:
1. Start small and scale.
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Sometimes that infamous quote, "Go big or go home," might not apply to startup costs. Take a nod from the founder of The Mane Choice who is now CEO of Olbali Corp. Courtney Adeleye started her line of haircare products by making the first product in her home, and she took advantage of free resources such as YouTube and Instagram to build her customer base. Within a few years, she was able to turn those small efforts into millions of dollars in sales and expansion into collections of products in stores likeTarget.
Get out of your own head and get into facts by reading up on what it truly costs to start your business and then calculate, based on your finances and lifestyle, what you can realistically afford to do.
For example, if you want to sell clothes, maybe start with one cache item, see how that sells, and then expand the line. Want to offer a service? Start with one niche that you can excel at, track the success, then pivot and change your strategy where necessary. Want a storefront? Try a mobile or online business first, build up your capital and customer base, and create a plan for saving up and financing for your grand opening at a later date.
2. Pool investors.
There are many ways to do this, but don't let that overwhelm you. (Also, don't be intimidated by the big-money talk or the multi-millionaire professionals who are the movers and shakers.) If you have a good product, prototype, brand, or idea, think strategically about who could invest in your launch and get in the game.
Angel investment organizations or firms are a good place to start (and there's a good list of those that support women- and minority-led startups here). Platforms created by women like Arielle Loren, founder of 100K Incubator, are also great resources for finding investors and networking with other entrepreneurs.
You'll want to weigh the pros and cons of taking on an investor to start up your venture. Getting money is great, but investors sometimes have authority over important aspects of your business including how the money is spent or even the name of your company. They might also, down the line, play a role in how you run your brand or even decide whether you remain as the leader at all.)
Another great option is crowdfunding or microfunding, where you use a platform like Kickstarter, present your business idea or project to the world, and raise funds via community investors.
Dawn Dickson, founder of Flat Out Heels and CEO of PopCom, was able to raise more than $1 million to launch and expand businesses via supporters in her community. Other entrepreneurs have used this method and raised funds even without having a physical product, gauging interest and building momentum via pre-sales, offers of equity, and prizes.
Oh, and don't overlook networks within your family, your school, your civic organizations, or your workplace. There might be someone less than six degrees of separation from you who is willing to invest just to gain a percentage in profits or ownership or to contribute to the greater good.
3. Get into a pitch competition.
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Be inspired by the story of Stephanie Smith, founder of Digital Insomnia, who won $25,000 to put toward creating a digital marketing simulator prototype. Or the story of Range Beauty founder and CEO, Alicia Scott, who was able to take her brand from $300 to $300K by becoming a master of pitching her business. Organizations and businesses often sponsor pitch competitions that offer thousands of dollars in startup funds as prizes, and this is a great way to get that financial boost you need to start your business. Some even cover all expenses and offer additional support resources like mentors and tech tools.
Sharpen up those public speaking, marketing, and sales skills, sis, and make sure your business plan is a solid one. Invest in a coach, watch competitions online, or attend a few so you can hear common feedback from judges.
The better prepared you are, the more likely you'll come out the victor. (Oh, and of course, here's a great list of a few to start with. Yep, you're welcome.)
4. Outsource and partner up.
Any time you can split the costs of something, you save, so if you have a similar idea as someone else or you might be serving the same audience, why not partner up and pool resources? Malaika Jones, Nia Jones, and Tai Beauchamp, the three Spelman sisters who founded wellness brand Brown Girl Jane, are a great example of how combining talents and resources for launching a brand is more than smart.
Let's say you want to start a business building and selling phone apps. Well, maybe there's a tech professional in your network (or someone you could get to know through, well, networking) who wants out of the 9-to-5 life and has plans to transition into tech entrepreneurship. Pitch your idea and see where there might be common goals. Match their skills and network with yours and you might have a winning combo in which you can split the costs of bringing an idea to life.
Not too keen on partnering up and sharing profits? Many online vendors can handle certain aspects of getting your business off the ground in a more cost-effective way due to their level of experience or expertise. It might be a better idea, in the long run, to simply pay them a one-time fee to handle those areas.
Contacting a consultant with skills in coming up with cost-effective strategies for starting your business can sometimes save you money in the long run. LinkedIn is a great place to start to find other professionals and entrepreneurs to become partners or consultants, and nothing beats attending events and seminars (whether virtually or in person) where smart business-minded and successful folk congregate.
5. Try low-investment retail.
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Just a disclaimer on this one: We're not talking about "easy" or "get-rich-quick" ways to start a business, and you'll want to be aware of all risks associated with these sorts of businesses (or any business, for that matter). That being said, dropshipping, print-on-demand, and direct sales are options for breaking into a business without shelling out a lot in upfront costs.
Picture this: You design something for T-shirts, mugs, or other custom items (or pay a one-time fee for someone else to), upload the design on a third-party supplier portal, build your store on a platform like Shopify (which costs less than $50 to launch), and then let the third-party supplier take care of the production, inventory, and shipping.
Products are made only after orders are received (thus, printed "on demand"), allowing you to avoid several overhead. Sites like Amazon offer dropshipping, and there are other platforms that allow you to create your own marketplace without having to take care of order fulfillment.
If you've ever heard of Avon, Mary Kay, or Tupperware, then you know a bit about direct sales. With this model, you might have to pay a registration or starting fee (several of which are less than $100), be offered an optional, moderately priced starter kit of products, or both. You'll earn a commission on sales (with some as much as 50 percent) and you'll be able to tap into a network of support from others in the industry.
The direct-sales market includes selling almost anything nowadays—cosmetics, kitchenware, coffee, health and wellness supplements, hair extensions, appliances, even medical scrubs—but be sure to look into the fine print on quotas, refund policies, and earnings or incentive models. Avoid scams, and be sure you have a realistic understanding of the sales savvy, time commitment, and financial investment required for success in these types of businesses.
6. Be patient and save up.
Some of us want to start something without worrying about a loan to pay back or investors to answer to, so a savings plan is the best option. If you don't have enough money right now, save up. It may take a bit longer, but hey, you have to start somewhere. Karen Young, founder of Oui The People, a personal care brand, saved up $1,500 while working for Estee Lauder to launch the beginnings of her business. Shana Cole, founder of The Shana Cole Collection, used $4,000 in savings to launch her first line of lipsticks and expand her customer base from Jamaica to the U.S.
Slow and steady can win the race, and if you're able to be disciplined, set a goal, and stick to a plan, you'll eventually have the money you need to get started. Think about it: Saving just $5 a day can go a long way. In one year, you'll have more than $1,800 for your entrepreneurship adventure.
Look at your current budget and needs, and find areas where you might be able to cut back or adjust in order to pour into your "Business Launch" fund. Also, be sure to look into savings accounts that have higher interest rates or high yield options so you can get the most from your efforts. Squirrel away your next tax refund, or find ways to give your savings a boost such as reselling items or downsizing your home or car. Implement settings like automatic transfers or deposits to a separate account so that you'll be sure to hit your goal in the time you need to.
Finding the money to start your business on a small (or barebones) budget is all about being creative and figuring out the best route for your future. The key is to at least take that first leap, with research and planning as your parachutes, and just go for it.
For more business tips, career advice and profiles, check out the xoNecole Workin Girl section here.
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Claudia Jordan, Demetria McKinney & Jill Marie Jones On 'Games Women Play' & Dating Over 40
What do you get when you mix unfiltered truths, high-stakes romance, and a few well-timed one-liners? You get Games Women Play—the sizzling new stage play by Je’Caryous Johnson that’s part relationship rollercoaster, part grown-woman group chat.
With a powerhouse cast that includes Claudia Jordan, Demetria McKinney, Jill Marie Jones, Carl Payne, Chico Bean, and Brian J. White, the play dives headfirst into the messy, hilarious, and heart-wrenching games people play for love, power, and peace of mind. And the women leading this story? They’re bringing their whole selves to the stage—and leaving nothing behind.
From Script to Spotlight
The road to Games Women Play started over 20 years ago—literally.
“This script was written 20 years ago,” Jill Marie Jones said with a smile. “It was originally called Men, Money & Gold Diggers, and I was in the film version. So when Je’Caryous called me to bring it to the stage, I was like, ‘Let’s go.’” Now reimagined for 2025, the play is updated with sharp dialogue and modern relationship dynamics that feel all too real.
Demetria McKinney, no stranger to Je’Caryous Johnson’s productions, jumped at the opportunity to join the cast once again. “This is my third time working with him,” she shared. “It was an opportunity to stretch. I’d never been directed by Carl Payne before, and the chance to work with talent I admire—Jill, Claudia, Chico—it was a no-brainer.”
Claudia Jordan joked that she originally saw the role as just another check. “I didn’t take it that seriously at first,” she admitted. “But this is my first full-on tour—and now I’ve got a whole new respect for how hard people work in theater. This ain’t easy.”
Modern Love, Stage Left
The play doesn’t hold back when it comes to the messier parts of love. One jaw-dropping moment comes when a live podcast proposal flips into a prenup bombshell—leaving the audience (and the characters) gasping.
Demetria broke it down with honesty. “People don’t ask the real questions when they date. Like, ‘Do you want kids? How do you feel about money?’ These convos aren’t happening, and then everyone’s confused. That moment in the play—it’s real. That happens all the time.”
Jill chimed in, noting how the play speaks to emotional disconnect. “We’re giving each other different tokens of love. Men might offer security and money. Women, we’re giving our hearts. But there’s a disconnect—and that’s where things fall apart.”
And then Claudia, of course, took it all the way there. “These men don’t even want to sign our prenups now!” she laughed. “They want to live the soft life, too. Wearing units, gloss, getting their brows done. We can’t have nothing! Y’all want to be like us? Then get a damn period and go through menopause.”
Dating Over 40: “You Better Come Correct”
When the conversation turned to real-life relationships, all three women lit up. Their experiences dating in their 40s and 50s have given them both clarity—and zero tolerance for games.
“I feel sexier than I’ve ever felt,” said Jill, who proudly turned 50 in January. “I say what I want. I mean what I say. I’m inside my woman, and I’m not apologizing for it.”
Demetria added that dating now comes with deeper self-awareness. “Anybody in my life is there because I want them there. I’ve worked hard to need nobody. But I’m open to love—as long as you keep doing what got me there in the first place.”
For Claudia, the bar is high—and the peace is priceless. “I’ve worked hard for my peace,” she said. “I’m not dating for food. I’m dating because I want to spend time with you. And honestly, if being with you isn’t better than being alone with my candles and fountains and cats? Then no thanks.”
Channeling Strength & Icon Status
Each actress brings something different to the play—but all of them deliver.
“I actually wish I could be messier on stage,” Claudia joked. “But I think about my grandmother—she was born in 1929, couldn’t even vote or buy a house without a man, and didn’t give a damn. She was fearless. That’s where my strength comes from.”
For Jill, the comparisons to her iconic Girlfriends character Toni Childs aren’t far off—but this role gave her a chance to dig deeper. “If you really understood Toni, you’d see how layered she was. And Paisley is the same—misunderstood, but strong. There’s more to her than people see at first glance.”
Demetria, who juggles singing and acting seamlessly, shared that live theater pushes her in a new way. “Every moment on stage counts. You can’t redo anything. It’s a different kind of love and discipline. You have to give the performance away—live, in the moment—and trust that it lands.”
Laughter, Lessons & Black Girl Gems
The show has plenty of laugh-out-loud moments—and the cast isn’t shy about who steals scenes.
“Chico Bean gets a lot of gasps and laughs,” Claudia said. “And Naomi Booker? Every scene she’s in—she’s hilarious.”
But the play isn’t just about humor. It leaves space for reflection—especially for Black women.
“I hope we get back to the foundation of love and communication,” said Demetria. “A lot of us are in protector mode. But that’s turned into survival mode. We’ve lost softness. We’ve lost connection.”
Claudia agreed. “We’re doing it all—but it’s not because we want to be strong all the time. It’s because we have to be. And I just want women to know: You can have peace, you can be soft. But stop bringing your old pain into new love. Don’t let past heartbreak build walls so high that the right person can’t climb over.”
Final Act: Pack the House
If there’s one thing this cast agrees on, it’s that this play isn’t just entertainment—it’s necessary.
“Atlanta is the Black entertainment hub,” Claudia said. “We need y’all to show up for this play. Support the arts. Support each other. Because when we pack the house, we make space for more stories like this.”
Games Women Play is more than a play—it’s a mirror. You’ll see yourself, your friends, your exes, and maybe even your next chapter. So get ready to laugh, reflect, and maybe even heal—because the games are on.
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Be Careful. Those Casual Friendships Can Be Red Flags Too.
A couple of weeks ago, I was listening to someone vent about an area of frustration that they couldn’t seem to get to the root of — why they keep getting taken advantage of by certain individuals. When you’ve been a life coach for as long as I have (and you were a journalist before that), you learn how to ask certain questions that can cause people to consider things that they may never have before.
So, when I asked her, “What is the common thread with all of those folks? And sit still for two minutes before answering,” when she finally heard her own self speak, her eyes got wide and her mouth dropped open: “They’re all people who I’m not really sure what they are in my life.”
Ding. Ding. DING.
A life coach by the name of Thomas Leonard once said that “Clarity affords focus” and, believe you me, when it comes to dealing with other human beings, if you don’t get clear on where you stand when it comes to your interactions with them, you can very easily find yourself “focusing too much” on those who don’t deserve it and too little on those who absolutely do. And y’all, this lil’ PSA couldn’t be more relevant than when it comes to what I call “casual friendships.”
Let’s dig — and for some of us, dig our way out of — what it means to have a casual friend, so that you can get clear on if you really need those in your life…and if so…why?
Article continues after the video.
It Can’t Be Said Enough: Always Remember What “Casual” Means
There’s a reason why I decided to share two videos by mental health coach Isaiah Frizzle at the top and bottom of this article. It’s because a lot of what he shares in both of them complements a piece that I wrote for the platform last year entitled, “This Is Just What Purposeful Relationships Look Like.”
It’s the author M. Scott Peck who once said, “Until you value yourself, you won't value your time. Until you value your time, you will not do anything with it” and please believe that the older (and hopefully more mature) you get, the more you tend to see just how valuable — and fleeting — time is; and that is what plays a huge role in motivating you want to only involve yourself with people, places, things and ideas that will honor your time — and when something is casual? In my opinion, it’s highly debatable that it’s worth much of your months, days, hours, or even too many of your minutes.
The main reason why is addressed in an article that I wrote back in the day entitled, “We Should Really Rethink The Term 'Casual Sex.'” The gist? When it comes to relationships, “casual” is certainly not a favorite word of mine because I know what it means. Have mercy — why would you want to invest your time, energy, and emotions into something that is, by definition, apathetic, indifferent, careless, lacking emotional intimacy, and/or is without purpose?
I don’t know about y’all but that sounds like a complete and total crap shoot to me — especially if you are going to go so far as to consider this type of dynamic a true friendship (check out “Ever Wonder If A Friend Is Just...Not That Into You?,” “6 Signs You're About To Make A Huge Mistake In Making Them A Close Friend,” “5 Signs Of A Toxic Friendship That Is Secretly Poisoning Your Life,” “12 Friend Facts That Might Cause You To Rethink (Some Of) Your Own,” and “Less & Less Of Us Have Close Friends These Days. Why Is That?” ).
To me, when you decide to call someone “friend,” it means that they are loyal, reliable, consistent, trustworthy and willing to be there to support you to the very best of their ability — even if it’s inconvenient to do so sometimes (check out “Life Taught Me That True Friendships Are 'Inconvenient'”). How in the world can you expect that from something that has the word “casual” in it?
And you know what? That actually segues into my next point about casual friendships pretty darn well.
Ponder the Purpose “Casual Friends” Serve in Your Life
A couple of years ago, Verywell Mind published an article entitled, “How the 4 Types of Friendship Fit Into Your Life.” The four that it listed were acquaintances (which I actually don’t consider to be friends; check out “6 Differences Between A Close Acquaintance And An Actual Friend”), casual friends, close friends, and lifelong friends. After reading the piece, I think they consider casual friends to be the “pleasure” friends that I mentioned in the article, “According To Aristotle, We Need ‘Utility’, ‘Pleasure’ & ‘Good’ Friends.”
And although I certainly get that, I think my “cause for pause” is calling those people “friends” when they probably should be called something like an associate or possibly even a buddy instead. Why do I feel this way? Well, I’ve shared in other articles that I think social media has jacked up vocabulary words and their true meaning on a billion different levels.
Take “friend,” for example. Facebook had us out here calling everyone we connected to on their platform “friends” when some of them, we’ve never even spoken to before — and I personally think that influenced, affected and perhaps even infected our psyche to the point where we will call folks, both online and off, “friend” even when they haven’t earned it and/or who possibly don’t deserve it.
That said, do I think that we all could use lighthearted interactions that don’t go very deep and are filled with not much more than fun? Sure. However, if we were to move this over into a sexual thing — those types of people would probably be called a sneaky link, and there is nothing significant or substantial about ‘em. In fact, if anything pretty much automatically comes with an expiration date, sneaky links would have to be it.
And that’s kind of the point that I’m trying to make about a casual friend — so long as you know that the word “casual” is being used to describe them, while you may enjoy the people who fit that bill, they aren’t really anything that you can or even should fully rely on. Instead, take them for what they are and don’t really expect much more than that. Otherwise, you could be in for some profound levels of disappointment. And who wants that?
Final point.
How a Casual Friend Can Become a Huge Red Flag
I’m telling you, y’all gonna quit clowning Tubi. LOL. To me, the best way to describe it is it’s the Cricket of current streaming apps. What I mean by that is, back when Cricket (the cell phone service) first came out, people, like me, who used it service got incessantly clowned because it was seen as a bootleg provider. Now it’s owned by AT&T, and as someone who has rocked with them since I was in my 20s, I don’t have one regret for doing so. Cricket has always been good to me, chile.
And Tubi? Well, when you get a chance, check out CNBC’s article, “CEO at 33, Tubi’s Anjali Sud on success hacks she learned at Amazon, IAC on way to top of Fox streaming” — take note of the moves the streaming app is making and the quality of programming that is transpiring in real time.
Anyway, I find myself bringing up Tubi more and more in my content because it helps to amplify some of the points that I like to make. This time, it’s a movie that’s (currently) on there calledRight Man, Wrong Woman. If you haven’t seen it before, I don’t want to give too much of the film away. What I will say is that the main female character, she had a casual friend and then she had a close friend.
That casual friend—the one who liked to kick it all of the time—was a lot of fun; however, dealing with her came with a ton of semi-unforeseen consequences. Meanwhile, the close friend? She’s what the Aristotle article (that I mentioned earlier) would call the “good friend” because she tried her best to hold her friend accountable.
And really, it shouldn’t be a shock that the casual friend turned out to be a plum trip because if someone is loads of entertainment and pleasure and yet they are indifferent towards you, they make careless decisions around you and/or they don’t really make known the purpose for you being in their life other than to pass some time — where really do you and that person have to go past drinks after work or dinner on a rooftop restaurant from time to time? And if that is all that the two of you are doing, again, why are they deserving of the word “friend”?
Hmph and don’t get me started on the lack of reciprocity that typically transpires when it comes to dealing with people like this because, while they won’t mind you spending your coins on them, taking their calls in the middle of the night or listening to all of their issues — when it comes time for them to show up for you, they very well may gaslight you into thinking that you are being dramatic, clingy or “doing the most.” Why? Well, it’s mostly because the two of you never really established what the hell the both of you are to one another.
And so, while you’re somewhere taking them seriously, they are out here seeing you casually, and as much as it might hurt to hear, that doesn’t automatically or necessarily make them a bad person. You shouldn’t expect much where no clarity is involved. After all, casual is just that: CASUAL.
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I’m hoping that you can now see why I entitled this piece in the way that I did. It’s because a red flag is pretty much a warning, and to me, a casual friend is about as big of an oxymoron (again, to me) as casual sex is. Friends and sex are both too intimate to be seen or treated casually. Oh, but if you step out and take that risk, you could find yourself getting far more involved than the other individual ever wanted to go, because casual is how things have always been. “Friend” was simply to get you more mentally and emotionally invested. SMDH.
American columnist Walter Winchell once said, “A real friend is one who walks in when the rest of the world walks out.” A wise person once said, “One good friendship will outlive forty average loves." Former President Ulysses S. Grant once said, “The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity.” Does any of this sound casual to you? Yeah, me neither.
Again, I’m not saying that you shouldn’t have people in your life who aren’t on deep levels. I’m just saying that you might want to consider putting them into another category than friend, because what friends do for people? There ain’t nothin’ even remotely casual about it, sis. Not even a lil’ bit.
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