

Talking about money matters is taboo.
Disclosing how much money we make or being open about how much debt we owe is not on the list of topics to talk about at Brunch on Sunday. It makes people uncomfortable, and as someone that has had a love-hate relationship with my finances, I understand why. Most of us are trying to navigate our monthly financially responsibilities, chase our dreams, and build our futures.
When I moved cross-country for my residency at BuzzFeed, I was swimming in over $10,000 in credit card debt (most of which came from self-funding Mae B).
My financial struggles made it hard for me to wrap my head around starting over in a new city where the median rent is $2,480 per month for a two-bedroom apartment. I knew that surviving on my hourly rate was going to be tough. I also knew it would be even more of a challenge if I went into this new chapter of my life afraid to sit down face to face with my finances.
So, I sought counsel from the one person I knew would help me get things in order: my dad. For years, my dad would try to get me to sit down and unpack where I was financially, but I was embarrassed and afraid that he'd scold me for not being smarter about my money. I spent years and thousands of dollars chasing my dreams of being on-camera and investing in building Mae B. I also spent years saying to myself, "If I just book this gig or if this product is a bestseller, I'll be able to pay off everything."
Looking back, using potential nonexistent income to justify overspending, even if it was to make my dreams come true, wasn't reasonable. Making your dreams a reality costs money. Nearly ten years later, I realize, I didn't have to be a starving creative to bring those dreams to fruition.
Financial planning is the key to success in life and building a career.
The first thing I did to start the process of gaining control of my financial situation was to sit down and look at all of my debt, monthly bills, my FICO score, and my projected net income each month. For years, I dreaded looking my debt. In my mind, I felt that if I just made my monthly payments and looked a way that somehow my debt would magically disappear. I was wrong.
Here is how I'm taking control of my financials while chasing my dreams:
Draft An Excel Spreadsheet
We're lucky to live in a digital world that allows us to check our account balance in seconds. But, what happens when you go out over the weekend, those pending charges hit your account, and the next thing you know you're staring at an overdraft fee? Annoying, right?
I no longer use an app to curate my finances. I use an old school excel spreadsheet. I set my budget on the first of every month, and each Sunday, I check in to see where I am for the month. Seeing my bills, debt, and disposable income has helped me organize my money —and save twenty percent of my income each month (I'll talk more about that later).
Mint offers some great free budget templates that can act as samples you can work with when creating your own budget.
Get Rid of Lingering Credit Card Debt
I have carried the shame of digging myself into a $10,000 debit hole for longer than I care to admit, but now that I am looking my credit card debt square in the eye, I feel empowered. After looking at each credit card, the outstanding balance, and its interest rate — my dad recommended I focus on paying off my Discover card first. Why? Well, it has the highest interest rate out of all of my cards. With a twenty percent interest rate, I was never going to pay off my balance paying my seventy dollars minimum payment each month. Each month, I have a recurring payment of $150, and I often contribute more if I have money left over for the month.
Have Multiple Streams of Income
If the objective is to secure the bag, you must have multiple streams of income. In a panel, Paula Madison (If you don't know her, you should) gave the best advice. She said your full-time job should be your side hustle. Now, that doesn't mean neglect the nine to five that keeps the lights on and food on the table, but there is value in pursuing things you're passionate about outside of your job.
As a freelancer, I can bounce from gig to gig, but freelancing also has its flaws. No health insurance, no job security, and when our contracts are up (usually three to six months), you have to find your next job. So, I always have an extra stream of income. It's a great way to impact your savings, pay off your debts, and build on something you love. I used to think of extra income as throw away money, but now I see it as extra money to save. There are opportunities everywhere to make a few extra dollars, whether you freelance write on the weekends or bake cakes for a few parties each month.
Plan For The Future
When you're young and ambitious, retirement might not be a top priority. CNN Money released a reporting stating that sixty-six percent of millennials have nothing saved for retirement. As a millennial that only has a few thousand dollars saved for retirement, I can relate. I also recognize this is something I need to fix. If I don't start saving for retirement now, I am mapping out a financial path similar to the one I was on for the last ten years. I have opened an IRA, but if I'm honest, I'm still learning how to save properly for retirement. With guidance from my financially savvy dad and articles like this one, I think I am headed in the right direction.
We can't forget to grow our savings account. It is a rule of thumb that we should save at least twenty percent of our monthly income. With student loans, health care (my premium is almost $300 a month.), and unforeseen expenses that can be hard to do. Instead of waiting until the end of the month to save twenty percent, I break my earnings down for the week like I do my expenses for the month. I pay my bills, shop for groceries, and whatever is left over at the end of the week, I save. Sometimes it's only ten percent of my earning, but it's something.
Trim The Unnecessary Spending
When I started my new gig in LA, I was throwing away money on morning coffee, fifteen dollar lunch dates, and UBER since I am one of the only people in LA that doesn't drive. If I was going to stay the course and continue to work on my finances, I had to rein in the miscellaneous spending. I saw the most significant difference in my monthly expenses when I cut out UBER and started taking public transportation. Taking public transit in Los Angeles isn't ideal. It's slow and dirty, but the bus stop is right outside of my house. Each morning, I take a bus to a train and walk a mile to get to work.
A commute like that coupled with the homelessness I take in every day does wear on me (Los Angeles County has the second largest population of homeless people of any region in the United States), but it keeps me humble. Not to mention, I am saving nearly ninety dollars a week. I have cut out all of my excess spending, including online shopping, three dollar morning coffee, and fifteen dollar lunch dates, and have committed to meal prepping each Sunday. I am living a no-frills lifestyle, but I don't mind. I am learning to be financially disciplined.
I understand that sacrificing now will set me up to live a debt-free, financially healthy life later.
I don't have this financial game down just yet, but the key is starting somewhere. If that means cutting weekend brunches, saving fifty dollars more each month, or picking up a job to bring in extra cash, small changes can make an impact. In the last six months, I paid off one credit card, saved twenty percent of my earnings (My savings account has never looked so good!), and changed my relationship with money.
Take it a day at a time, and if you have an off month don't beat yourself up about it. We're human, and it takes time to create new habits.
- How to Get Out of Credit Card Debt - NerdWallet ›
- Credit Card Help: 8 things you must know about credit card debt ... ›
- How to Pay Off Your Oppressive Credit Card Debt - Credit.com ›
- Settling Credit Card Debt | Consumer Information ›
- Credit card debt can be bad for your health ›
- Credit card debt hits record high ›
Bianca Lambert is a proud Atlanta native soaking up the Los Angeles sun. She is the founder of Mae B: a stationery company for women of color and a digital content creator on a mission to elevate the voices of women of color everywhere.
Luxury Hairstylist On Viral 'Hey Boo' Texts & Professionalism In The Hair Industry
As Black women, our hair is our crowning glory - whether we paid for it or not. We take pride in how we wear and take care of our hair. As with everything, hair care and hair styling have evolved over the years. Long gone are the days of Blue Magic (although I hear it’s making a comeback).
Now, we have a plethora of creams, oils, conditioners, shampoos, and stylists to choose from. Beyond wearing our natural curls, we have a range of options, from wigs and sew-ins to tape-ins, I-tips, and K-tips. So much choice! But you know what they say about too much of a good thing...
The Black hair industry has definitely blossomed in the last decade with a wave of new stylists and salons popping up all over the place. As much as I love that for us, many of these stylists have become the subjects of viral TikTok and Instagram tirades because of their alleged questionable behavior and bizarre rules.
Excessive policies, strange fees, long wait times, poor performance, and the infamous “Hey boo” texts. Beauty is pain, they say… xoNecole got to the root of these issues with luxury hair extensionist Dee Michelle, who’s been in the hair game for 20 years and runs a seven-figure business - all while being a mom of four.
Antonio Livingston
“I started my business with my career in the hair industry [at] very, very young age when I was maybe like eight...So, over the years, I've just built a very successful seven-figure business very quickly just by offering high-end services and creating great experiences for my clients, many of whom are high-profile professionals,” she said. “I'm also a mother of four, including a set of triplets, which inspires me daily to show what's possible with my hard work and focus.”
Dee’s business has gone viral on social media because of what many call outrageous prices for her invisible K-Tip installs.
“When I developed my invisible K-tip extensions technique, I made sure that it wasn't just about the hair or the style, but about providing a high-end experience from start to finish. So, my clients just aren't paying for the extensions or just the style itself, but they're investing into my meticulous, seamless craft and premium hair sourced from the best suppliers…I've spent so many hours mastering my craft, creating this seamless method that gives my clients long-lasting natural results, and my pricing just reflects that - the value of my expertise and the exclusivity of the service.”
The K-tip specialist stands on business when it comes to catering to her clients and giving them an experience worth the cost.
“And it's just important for me to also say that my clients are high-profile individuals who value quality, their privacy, and their time. They want a service that fits into their lifestyle and their time. They want things that deliver perfection. And I deliver that every single time.”
I’m sure we’ve all seen the various TikTok rants about people’s nightmare experiences with stylists and uttered a silent “FELT!” We asked Dee her opinion on a few nightmare scenarios that beg the response, “please be so forreal."
On stylists charging extra to wash clients’ hair:
“I think they should just include it in the price, to be honest. Because I feel like when clients go to a stylist, they're expecting you to wash their hair. Personally, if I see that washing is extra, I just wouldn't go to the salon because it just shows a lack of professionalism, in my opinion, and a lack of experience.”
“I think they should just include it in the price, to be honest. Because I feel like when clients go to a stylist, they're expecting you to wash their hair. Personally, if I see that washing is extra, I just wouldn't go to the salon because it just shows a lack of professionalism, in my opinion, and a lack of experience.”
On ‘deposits’ that don’t go towards the cost of the service:
“I think that's kind of weird, too, for deposits to not be like a part of the service. I've seen people have booking fees and I just don't understand it, to be honest. I disagree with that kind of policy…By all means, people should do what works for them, but to me, it doesn't make sense. Why does somebody have to pay a fee just to book an appointment with you? I don't get it. It feels like exploitation.”
On stylists charging extra to style (straighten/curl) wigs, sew-ins etc., after installing:
“I don't get it. Clients come to us to get their hair done, to get it styled. So why is it extra for you to style it? If you're going to charge extra, just increase your price. I feel like it could be just a lack of confidence in those stylists, feeling like people won't pay a certain price for certain things, or just their lack of professionalism as well, because people are coming to us to get styled.”
On the infamous “Hey boo” text stylists send to clients when they need to cancel/reschedule:
“Professionalism in any industry, especially the beauty industry, is everything. So texting a client the, “Hey boo” is so unprofessional, and it's damaging to the client-stylist relationship. Clients book their appointments expecting a level of respect and care, especially when they're investing their time and money and a service. And I get it, emergencies happen, we're all humans. However, it should be done with a formal apology and a clear explanation.”
“Professionalism in any industry, especially the beauty industry, is everything. So texting a client the, “Hey boo” is so unprofessional, and it's damaging to the client-stylist relationship. Clients book their appointments expecting a level of respect and care, especially when they're investing their time and money and a service. And I get it, emergencies happen, we're all humans. However, it should be done with a formal apology and a clear explanation.”
We know all too well what kinds of things will keep us from ever gracing certain hairstylists’ chairs with our butts again. So, what should hairstylists do to provide a good service to their clients? What is good hairstylist etiquette?
“For one, being on time is an important rule for stylist etiquette. It's just not okay to require your clients to be on time, and you're not on time. Also, communication. Being able to communicate clearly, respectfully, and professionally, whether that's in person, via text, or on social media. Style is etiquette. Appearance matters. So just maintaining a clean, polished, and professional look. Clients respect you more whenever your appearance reflects your work. There's just so many things, but another thing I would say is active listening. So, being able to pay close attention to what your client wants and also clarifying any questions that they might have. Just to ensure that they feel heard and to minimize any misunderstandings.”
Dee also shared some red flags to look out for when considering a new stylist.
“Even me as a client, if I'm booking somebody and they have a long list of rules, I don't even book with them. That's, for one, just such a huge turn-off. Also, stylists who have inconsistent or unclear pricing, that's a red flag. People who change their rates too much without an explanation. Poor communication. So, if a stylist is responding very slow or responding unprofessionally, or giving vague answers to questions, that can make clients question whether or not they are respecting their time and their needs.
Another red flag - an inconsistent or low quality portfolio. And I feel like, I see this a lot with stylists stealing other people's work, and their portfolio on social media is just very inconsistent.”
We couldn’t let Dee go without getting the tea on what styles she predicts will trend in 2025.
“I feel like people are going back to natural-looking styles. So, a lot of people are ditching the wigs, the lace fronts, things like that. People are still wearing them, of course, but it is becoming more of a trend to embrace your natural hair and something that's not looking too fake. That’s one thing that we're going to be seeing a lot. I would say a lot of layers are coming back, heavy layers. Those are becoming really, really trendy. And people are leaning more towards platinum-colored hair. I've been seeing lots of like blondes coming out. Also, jet black is always going to be a trend. But I would say more like natural colors, but natural colors that are still making a statement.”
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Feature image by Antonio Livingston.
Saweetie On Healing, Self-Discovery, And Why She’s "Dating Her Career" In 2025
Saweetie is stepping into 2025 with a renewed sense of purpose and self and an unwavering commitment to her career. The 31-year-old rapper is the cover star of InStyle’s Spring 2025 music-themed digital issue, where she opens up about her transformative journey to Africa, how she’s embracing divine timing, and why she’s leaving distractions behind as she gears up for the release of her debut album.
While 2021 appeared to be a year of big wins for Saweetie career-wise, the "NANi" artist didn't hide the fact that the year also marked a "traumatic time" for her life as she navigated heartbreak following a very publicized relationship. At the time, shaving her head was her way of starting over.
Recalling her headspace back then, she told InStyle, "I thought life would get better, but girl, life just kept life-ing… Surrendering to God and the universe has actually gotten me places. I used to be a control freak. I used to try to micromanage everything. I think we resort to micromanaging everything because we feel helpless."
In the time since, Saweetie has been deep in her introspection work, embarking on a self-discovery journey to Africa inspired by a DNA test that revealed she had 51 percent African ancestry. What she found as the result of the life-changing trip was not only a professional evolution but a spiritual one as well.
"In Africa, they're all going with the flow, they're not rushed. What I found is [that] when you surrender to divine timing, everything falls into place, rather than trying to force something to happen,” she shared with the publication. “I feel like I found my voice in Africa," she said later.
Saweetie's evolution didn't stop with her voice, in fact, her time abroad allowed her to heal and peel back layers of self-protection she had unconsciously built. She continued, "I think that's why I've been soul-searching because I wanted to have pride in who I am as a woman. Like, where do I come from? What do I believe in? What do I stand for? What do I not stand for? What do I love? What do I not love?
"And because I went through a lot of those emotions in Africa, it helped me pull back so many layers of this wall that I put up…"
Speaking of what she loves and what she doesn't love, Saweetie also gave a glimpse into her romantic life and let it be known her relationship status is "dating her career." While the "Richtivities" Queen has had her fair share of high-profile relationships, she is entering her focused era.
Saweetie shared that in the past, she let herself get "slightly distracted" but she now proudly proclaims that anything in her life that isn't right can go left because it's alignment over everything. "Anything that may be trying to compete with my goals, with my ambitions, with my priorities… I no longer second guess my career and if you can't understand it, then respectfully, get out of my way."
For the full cover story, check out InStyle's Spring 2025 digital issue here.
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Featured image by Getty Images