

Growing up, money management was nothing I was ever taught. I knew when my family had money and I knew when my family didn't. I was never taught the importance of saving, leaving your credit score untarnished, and living below your means. I am not saying that my upbringing is the sole reason for my past poor money practices, but I definitely will say that it didn't foster great money handling.
When I became an adult I got credit cards, got in debt, and lived above my means, not knowing how this would affect the future. If I had the money, I would spend it. When Rick and I got together, we were basically a hot mess express. We didn't have a clue about how to build a smart financial foundation, we didn't have great jobs, and were struggling to get by.
After a while, you just get tired of struggling, tired of being in debt, and not having that financial freedom. We were determined to make a change and get educated on how to be great stewards of our money.
If you are in a financial place you're uncomfortable with, remember that this is not a permanent situation. You can make the choice to turn your circumstance around.
This is how we did it:
1.Get educated on good money practices.
You can't fix something if you do not know how. As a starting point, I suggest reading a book to give you the tools to become a success. I read The Total Money Makeover: A Proven Plan for Financial Fitness and The Road to Wealth. If it is available to you, I would highly recommend taking Dave Ramsey's Financial Freedom course. This was offered through our church and was a definite game changer. You do have to pay for this course, but think of it as an investment to your success! Or find someone that is amazing with their money and pick their brain! Tools are needed to be financially successful!
2.Change your mindset.
You can read books and take all the financial courses available, and it will all be for naught if you aren't changing your mindset. Just because you got it in your bank account doesn't mean that you have to spend it! That was something I had to understand. You have to change the way you think about money. We had to put ourselves in the driver seat for our finances. You must gain discipline, and you have to truly make the choice to want to break out of the struggle.
3.Evaluate your financial situation.
I know this is something you probably have been dreading for a while but it is a MUST in order to understand exactly your starting point. To evaluate your financial situation, that means checking and writing down all the bank account balances, pulling up your credit scores (which you can go to annualcreditreport.com to get it), and logging into all of your debt accounts. Sometimes your credit report is not currently updated so you want to get the most recent balances. Lastly, you want to write out all your expenses. All this will help give you the detailed picture of where you are at financially. In order to accurately evaluate our financial situation, we simply started an Excel spreadsheet with all this information with a monthly output tab and debt tab.
4.Set goals.
Once we knew the damage, we started putting together clear goals that we wanted to achieve. We made monthly and yearly goals to start out. Initially, we didn't put together a 5- and 10-year plan. We wanted to get out of the weeds first, and then put that together. Some of our monthly goals were to save a certain amount per paycheck. Eliminate this x amount on eating out. You want to set realistic goals that you can achieve. Setting lofty goals that are hard to hit will just discourage you. Be fair to yourself. Some of our annual goals were to have a certain amount of debt paid off, and have x amount in the savings. Before getting our house, that was also a goal of ours that we were so excited to achieve. Additionally, we regularly do check-ins on our goals to ensure we are on pace to hit them.
5.Initiate growth in your career (if applicable).
When Rick and I first started out, part of our issues stemmed from the money we had coming in. Please note: Whatever you make, you MUST still be good stewards of your money. Even if you only have $100 coming in. With that, Rick and I knew where we wanted to be and how we wanted to live, and in order to do that, it required us to level up in our careers. To do that I started educating myself on positions I would like to be at. I started asking to shadow and gain additional skills. Once I got those skills, I started always consistently applying for jobs that were a level up. This will not be an overnight change, but definitely something for you to work towards. Again, you can make a lot of money and still be broke. So don't think that getting more income means it will solve your problems. However, when more came in, we would pour it into correcting our finances and saving.
6.Establish a budget.
Can you believe that we were operating at one point without a budget?! Yikes! We would just pay bills as we could and spend however we wanted. Big mistake! Everything should be accounted for, and bill payments should be planned out. It took some time to find a budget system that worked for us. We tried Quicken, using a friend's template, and creating our own. Ultimately, we ended up finding a free Excel budget template online. We then put it in Google sheets so we can both edit and see the updates immediately.
Budgeting has to be the core of how you operate with your money.
It allows you to account for everything. If you follow your budget, you will hit your financial goals without a doubt. Creating a budget is not the tough part, following it is the hardest (in my opinion).
7.Have family business meetings.
We learned about this at one of our church's couples conferences. This has been such a key factor to our success working together. Having your finances jointly is not easy. I handle money differently than Rick. What we have learned that one hand must always know what the other is doing, so communication is key. Family business meetings are designated times to talk about the family operations and finances. We put it on our schedule, and that allows us both to be mentally prepared for talking finances. We go through our budget, talk about any discrepancies, go through our family schedules, and check in on goals. These meetings have helped us work together effectively. You can do it weekly, bi-weekly, or monthly meetings, whichever you prefer.
8.Add a side hustle.
I have become a huge proponent of having multiple streams of income. It helps add some extra money to the bank account to pay bills off faster and to have for spending money. Plus it allows you not to be solely dependent on one income source. It can be doing contract work in a field that you are already in, doing Uber or Shipt, selling your clothes online, getting a night job, joining a MLM, starting your own business -- the options are endless! Having extra income definitely helped us hit our financial goals faster!
9.Eliminate procrastination.
This is real y'all. Some of our financial issues come into play simply because we were not proactive. My husband let me share this, but that is a huge thing my husband dealt with. Whether it was calling to set up a payment plan or putting off updating your resume. Years ago, my husband had an account close because he simply didn't call to make arrangements. Don't procrastinate paying your bills, making your budget, and/or talking to that bill collector. Be in control of your finances and stop procrastinating because it only makes financial issues worse.
10.Surround yourself with the right crew.
This applies to more than finances. Who are the people in your circle? Are they motivating you to be better? Or are they advocating for you to charge up that card and not go after leveling up? I am not saying drop those friends, but you definitely want to also be in a community with people that motivate and inspire you to be better.
11. Trim your expenses.
Once we established our budget, we then started looking at what we could cut out. Some of our expenses were things that could be eliminated or decreased. We decreased my shopping (insert sad face), lowered our cable package, went through those monthly subscriptions and took those out, decreased eating out, and so much more. You would be surprised with how much money you can have by simply cutting back on your expenses.
12. Save money.
This sounds simple, and really it is. Y'all, I have suggested a lot of things in this blog but this is basically mandatory. You have to grow your savings. Whether it will be for your future, or simply to have a safety net if something were to happen. Life will happen and you need a savings account that you are prepared for just in case. We save without even thinking about it.
We take a portion of our paychecks and have our employer deposit directly into our savings accounts. If we get bonuses, we put a large portion of that into savings or tithed more. We also use the feature with our bank that does keep the change and puts it into our savings. All of that really starts to add up. When you read any of Dave Ramsey's books, you will learn about the emergency fund and best practices of how much to have in savings. I have seen fellow influencers use a variety of apps that also help you save as well.
13. Pay off debt.
Once we made our plan to repair our finances, we got serious about being debt free. We do not want any type of debt. We use the snowball method where you pay debt off smallest to largest. This has helped us stay motivated and get some instant wins. We also have the mindset that if we can't buy it with cash, then it doesn't come home. We stopped getting store loans or charging it.
14. Live frugally.
This will look different for everyone, but you want to live beneath your means. Just because you got approved for this car amount, DOES NOT mean that you should purchase it. Get yourself in the mindset that just because you can, doesn't me you should! This was especially important for me to remember as our salaries increased. I had to put myself in check and remember where we once were. Rick and I have cut back on a lot.
15.Be patient and stay encouraged.
When we got fired up to really start getting serious about our finances, I was anxious for instant results. However, rebuilding your finances is not an instantaneous solution. Be patient, and know that it takes time. Keep doing the steps consistently and you will see success from it. This is a journey that you have to stay motivated. If you are married, help keep each other motivated. When my husband does something that helps us financially or takes care of something, I give him major kudos! You need to cheer each other on. If you are not married, find an accountability partner that can keep you encouraged.
Y'all, I am not a financial advisor. I am simply a person who at one point made poor financial choices, learned from my mistakes, and made a plan to recover and thrive. You can too. These tips to improve your finances are key elements that we took to fix our finances. Everyone's situation and journey will look different. I hope that you can implement even one of these tips and be successful!
Featured image courtesy of Taryn Newton
*Originally published on Glamorous VersatilityDid you know that xoNecole has a podcast? Subscribe on Apple Podcasts or Spotify to join us for weekly convos over cocktails (without the early morning hangover.)
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Your July 2025 Monthly Horoscopes Are All About Reflection & Reclaiming Your Power
July is a month of reflection, trusting the process, and gathering your resources. July marks the beginning of Retrograde Season, and there is a lot to move through and understand this month. We enter the month in Cancer Season, and emotions are running high. This month is a reminder that when we can take a moment for a pause, reflect on all we have learned, and remain open to what is ahead of us, we can experience true peace today.
On July 4, we have Venus entering Gemini and Neptune going retrograde in Aries. Venus in Gemini brings an interesting dynamic to matters of love and creates an atmosphere of fun, flexibility, and communication in partnerships. Neptune going retrograde in Aries brings a sense of empowerment regarding reflection and contemplation, and guides us to ask ourselves the important questions. This Neptune retrograde is about getting clear on who you are or who you want to be, and about clearing any confusion in that.
July 2025 Astrology Overview
Uranus Enters Gemini
Uranus makes an important transit this month and enters Gemini on July 7 after being in Taurus since 2018. Uranus in Gemini is a wildcard, and anything can happen during this time. With Uranus being the planet of change, upheaval, and breakthrough, and Gemini being the sign of communication, there is a new opening appearing in life, especially regarding creative and business matters.
A few days later, we have a Full Moon in Capricorn, grounding all the energy we have experienced the past month. This Full Moon is about creating space for more security, understanding, and purpose to enter your life, and to own your power in creating your dreams.
Saturn Goes Retrograde, Then Mercury
Saturn goes Retrograde on July 13 until November 27, and Saturn Retrograde brings a push towards growth, but also examines what has been restricting you from doing so. With Saturn currently in Aries, you may be feeling more challenged in standing up for yourself and your beliefs and owning your growth. It’s about reminding yourself how far you have come and knowing that things can get better for you at any moment.
A few days later, we have Mercury going retrograde in Leo, and this Mercury Retrograde is also feeling more personal. It’s about examining how you express yourself and live in your confidence, and overcoming miscommunication with others by showing up exactly as you are authentically.
Leo Season Begins, Chiron Goes Retrograde & Venus Enters Cancer
Leo Season officially begins on July 22, bringing more sunshine after the emotional waters of Cancer Season. Even though we are in Retrograde Season now, with the Sun in Leo, we find the power to overcome even the most trying times. On July 24, we have a New Moon in Leo, making this a powerful New Moon to set intentions for your inner power, creativity, hobbies, self-expression, and where you want to shine in life. Chiron goes retrograde on July 30, and Venus enters Cancer on the same day, and we leave July, entering a new door in love.
One that is more healing and passionate than before. Overall, July is a month of closure and one that is creating the new ground for more purpose, excitement, and love to grow. Keep reading for your Sun, Moon, and rising sign below to see what July has in store for you.
Jump to Your Sign
Aries | Taurus | Gemini | Cancer | Leo | Virgo | Libra | Scorpio | Sagittarius | Capricorn | Aquarius | Pisces
Aries (March 21 - April 19)
A lot of things are brought to your attention this month, Aries. Neptune entered your sign this year for some time to come, and this month Neptune goes retrograde in Aries until the end of October. For you, this means you need some more time to process, understand yourself and your emotional world better, and you are clearing the fog. You are entering Retrograde Season with a deep inner clarity, but also an understanding that your healing doesn’t need to be rushed.
Mid-month, Saturn goes retrograde in Aries until September 1, and it’s important not to be hard on yourself right now. You have a strong urge to transform your life this month, but things may not be happening as quickly with the retrogrades in your sign. On July 30, Chiron also goes retrograde in Aries until 2026, and you end the month in introspection, with the need to take care of your health more. This month is a reminder that you can make plans, but divine timing will always have a say.
Taurus (April 20 - May 20)
July is a month of closure for you, Taurus. You begin the month with Uranus going retrograde in your 2nd house of income, and it’s a good time to prepare for a rainy day. Uranus is going to be shifting the dynamics in your life when it comes to your financial investments, earnings, and sense of stability, and it’s time to open your mind to what is possible for you and your abundance in life. You are learning to be fearless when it comes to owning your authenticity, and knowing that who you are is unique and worthy of love.
On July 10, we have a Full Moon happening in your 9th house, creating an opportunity for travel plans to follow through, or you just feeling more adventurous in general. Mid-month is about letting go of old belief systems that don’t resonate with your heart, and clearing the way for the new to be built in your life. You end the month with Chiron retrograde in your 12th house of endings, and you are learning through what is transforming in your life.
Gemini (May 21 - June 20)
You are a powerhouse this month, Gemini. This is a month of achievement, success, and growing more deeply into your power. We begin the month with Venus entering your sign from July 4 until July 30, and love is taking you to new heights. This is a good month for making relationship developments, and for being received well. You are growing in your inner confidence and self-love, and this is creating more harmony in your partnerships as well.
One of the most important astrological transits of the year happens for you this month, and that is Uranus entering your sign on July 7, where it will remain until 2033. With Uranus now being in your sign, you are entering a journey of freedom, rebellion, self-expression, breakthrough, and immense change. You are dancing to the beat of your own drum and will be surprising others by how much life changes for you over the next eight or so years. We end the month with Mercury going retrograde in your 3rd house of communication, remember to think things through as you close out the month.
Cancer (June 21 - July 22)
July is a month of communication, creativity, and self-expression, Cancer. Cancer Season is here for you, and you are moving through the month claiming your power, speaking from the heart, and balancing your needs with others’ needs in your life. The Full Moon of the month on July 10 is your opportunity to let go of anything that has been weighing you down in your close partnerships, and to create room for more stable, committed, and fulfilling love to enter.
On July 24, we have the New Moon of the month, which will be happening in your 2nd house of income, abundance, and self-worth. You are evaluating how you want to show up and ask for what you need, and are preparing for a financial breakthrough. This is a good New Moon to set your intentions for your financial world and to see new ways to create a stronger foundation for yourself here. We end the month with Venus entering your sign from July 30 until August 25, and love feels a little more intense, passionate, and purposeful now.
Your guidance for the month overall is to know that you are the magnet for the things you want in your life, and that you have the power to rise above and claim them.
Leo (July 23 - August 22)
Joy is what this month is about for you, Leo. You are entering a fulfilling time in your life, where everything comes together for you better than you have ever imagined it to. Mercury goes retrograde in your sign this month from July 18 - August 11, but it’s not stopping you from enjoying your life and living out your truth. You are moving through this Retrograde fearlessly and learning more about yourself in the process.
Leo Season officially begins on July 18, and it’s your time to shine your light, Leo. With the Sun in Leo, you feel like your authentic self is being recognized and loved, and you are healing from a space of feeling like you have to do it all alone. A few days later, we have a Leo New Moon on July 24, and this is the time to set your intentions for your future and for how you want to show up in the world moving forward. July is your month of fulfillment through growth, compassion, and community, and for feeling like you have everything you need.
Virgo (August 23 - September 22)
July is all about perspective, Virgo. You are getting inspired this month, creating new plans for your life, and owning an adventurous side to yourself. With the Sun in your 11th house of aspirations for most of the month, July is a great time to manifest your dreams and to feel more powerful in creating your reality. Some Virgos could be traveling this month and seeing previous plans through, and you are gaining clarity on a lot of aspects of your life by doing things in a new way right now.
Your ruling planet, Mercury, goes retrograde this month and will be retrograding through an area of your life that has to do with healing, closure, spirituality, and your dream world. Pay attention to the messages you are receiving during this time, because they are guiding you towards your healing and personal empowerment. The New Moon on July 24 will also be highlighting your need to close one chapter of your life and begin another, and you are closing out the month with a new perspective in your heart and soul.
Libra (September 23 - October 22)
This is a month of fulfillment for you, Libra. A lot of things are falling into place for you in July, and you are owning your freedom and independence right now. Uranus enters your 9th house of travel at the beginning of the month, and you are entering a new journey in your life where you do things in your own way and when you break free of the status quo. You are growing so much mentally this year, and July is when the work you have done internally is being reflected externally.
On July 10, we have a Full Moon in your 4th house of home, family, stability, and emotional harmony, and you are finding your balance. This is a Full Moon of forgiveness, and one where you are recognizing the power in self-care and taking care of your inner world. Before the month ends, we have a New Moon in Leo, and you are seeing a breakthrough happen within your friendships, community, and support system. You have some exciting opportunities coming your way this month, and you are living life in your own way and on your own terms.
Scorpio (October 23 - November 21)
July is about protecting your energy, Scorpio. You have been setting your intentions and creating the life you dream of, and it’s important to create boundaries from those who don’t understand your vision or support you right now. With Uranus moving out of your 7th house of love and entering your 8th house of transformation, after changing things up in your relationships for the past eight years, you are ready to break free from old pain, experiences, or uneasiness in love.
Mercury goes retrograde this month on July 18, and will be retrograde in your house of career. This is the time to take a step back, go over your goals, and give life time to catch up to your dreams. The New Moon on July 24 will be activating this same area of your life, and you are getting glimpses of what is possible for you and your sense of success as you end the month. Overall, your main message this month is to not give up on who you are and what you are building towards, and to know that you are on the right path.
Sagittarius (November 22 - December 21)
This is a powerful month of growth for you, Sagittarius. You have the Midas Touch, and you are creating abundance in your life. With Venus and Uranus moving into your 7th house of love, partnership, harmony, and wealth, there are a lot of new opportunities coming your way right now. You are someone who is out-of-the-box and does things their own way, and this energy is serving you well right now and making you a magnet for new opportunities to enter your life.
Mid-month, we have a Full Moon in your 2nd house of abundance and self-worth, and you are feeling more appreciation and value in your life. Previous financial intentions and plans are coming to fruition for you now, and you are ready to let go of the self-doubt of it all. At the end of the month, we have a New Moon in fellow fire sign Leo, and this New Moon is asking you to take more creative risks and to trust that you are on the right path, even if it looks different than others. If it feels right for you, it probably is, Sag.
Capricorn (December 22 - January 19)
Everything comes to fruition for you this month, Capricorn. July is your month of achievement, closure, and claiming your power, and you are doing so confidently. The Sun is in your house of love and partnership for most of the month, and July creates a space of happiness and commitment within your close relationships. On July 10, we have a Full Moon in Capricorn, and life comes full circle for you. Everything you have been building in your life over the past year is being reflected to you now, and you are feeling a lot of gratitude for where life is today.
Mid-month, your ruling planet Saturn, goes retrograde, and this is shifting the energy in the home. Whatever dynamics that have felt a little shaky for you in the home or with family are being addressed now, and you are learning the importance of healing your inner world and doing the work internally. With a New Moon in your 8th house of transformation to end the month, you are getting a little more vulnerable in July, and it’s surprising others, but even yourself. This is your month of closing one door in your life in peace, and seeing a new one bloom in the process.
Aquarius (January 20 - February 18)
July is about taking things slow and thinking things through, Aquarius. Relationship dynamics in your life could be causing some challenges or confusion, and it’s best to choose your battles wisely right now. With the Sun in your house of health and daily rituals for most of the month, it’s important to take care of your well-being before you try to fix anything else. On July 10, we have a Full Moon in your 12th house of healing, closure, and spirituality, and this is a good time to reflect on everything you want to let go of in your life right now and what you no longer want to carry forward with you into your new beginnings.
Saturn, one of your ruling planets, goes Retrograde in your house of communication this month, and over the next few months, you are going to be learning about the power of your words. Make sure you are only speaking of things you want to bring forth into existence, and be careful with jumping to assumptions right now. Before the month ends, Mercury goes Retrograde in your 7th house of love, and your heart is seeking forgiveness. Know that you can find clarity during this time by being honest with yourself and your heart.
Pisces (February 19 - March 20)
There is a lot to process this month, and your mind is healing, Pisces. July is your month of overcoming past challenges and letting go of habits and routines that don’t serve you in the long run. Neptune, one of your ruling planets, goes Retrograde this month, and will be bringing your attention to your values and income world during this time. This transit is allowing you to gain clarity on your financial reality, establish greater self-worth and confidence, and get inspired by what is possible for you and your sense of abundance in life.
On July 18, Mercury goes retrograde in your 6th house of health, and you are ready to let go of the daily rituals or working routines that have been limiting your personal growth in some way. It’s time to examine what your body, mind, and soul are asking for right now, and to have the power to let go of what doesn’t resonate with your overall well-being. Before the month ends, Chiron goes retrograde in your 2nd house as well, joining Neptune, and there is a lot of healing to be done this month.
You are being asked to see yourself as a powerful, worthy, and loved being you are, and to know that you deserve to feel good about your life and to feel secure in what you are building for yourself and your future.
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Skyh Black Says Wife KJ Smith "Saved The Second Part Of My Life"
Before the red carpets, acting gigs, and coupled-up photo ops with his wife KJ Smith, Skyh Black was grinding through self-doubt, LA struggle story, and the kind of inner questioning that has broken the spirit of many Hollywood dreamers.
Most of us might recognize the Miami-born actor for his breakout roles on Tyler Perry’s Sistas and All The Queen’s Men, but for Skyh, the road to success wasn’t easy. On this week's episode of xoMAN, the actor opened up about his Hollywood come-up, what he had to heal to get there, and the woman who not only saw him, but made him feel the safest he's ever felt.
"She Saved The Second Part Of My Life": Skyh Black On Finding Safety In Love
"I love, like that is my lifeline," Skyh said of KJ Smith, his wife and fellow actor. "I really feel she saved the second part of my life."
The two met while filming Sistas, but as Skyh shared with xoMAN host Kiara Walker, their love didn't actually blossom until later. "People think we got together there, but we didn’t even get together—we got together outside," he explained. "At that time, we were both in LA. So she called me right after I booked All the Queens Men. And she said, ‘Hey’—she DM'd me," he laughs. "She slid in the DMs. She did."
Watch the full podcast episode here:
From DMs To Soulmates: How Skyh & KJ’s Love Story Began
That DM turned into a three-hour phone call, a Malibu picnic first date, and the beginning of a love story that’s still unfolding, now with a baby on the way. “She did not let me get none that night,” Skyh joked, “But we have not been apart since the 7th of January. 2021.”
Their relationship, much like their careers, is deeply intertwined. The couple has a coffee brand together (BLACK. Coffee), a production company, and will soon star in an upcoming film. "It's going to be interesting," Skyh said of the forthcoming project. "We know each other so well. And we know each other's weaknesses, and we also know each other-- we're not nice to each other," he laughed. "We love each other too much to be nice to each other... when we're working."
When asked by Kiara if that dynamic ever gets annoying, Skyh didn’t hesitate: "Not at all. I've never met anybody that knows me better than me and knows what's better for me than me."
On How He Knew She Was His One
Skyh Black and KJ Smith
Shutterstock
There’s a depth to how Skyh talks about KJ that feels rare and moving, even from the outside looking in. "That is such a loaded question," he said when asked how he knew she was the one. "I mean, K is like. It's just like, it doesn't not make sense. It's just kinda like, 'That's the love of my life, bro.' I don't know, I just feel so safe."
And it shows. "Every little instance it's like a twinkle in your eye," Kiara pointed out during the interview. "I wish she was here," Skyh said with a smile.
At a time when vulnerability from Black men is still often seen as taboo, Skyh’s transparency is refreshing af. But it also serves as a reminder that real love can be healing, collaborative, and deeply affirming.
And as he enters a new chapter as a husband, actor, entrepreneur, and soon-to-be father (Baby Black is loading), it’s clear Skyh isn’t just surviving Hollywood, he’s building a legacy with his love right by his side.
Want more of Skyh’s love story, career gems, and what keeps him grounded? Catch the full episode of the xoMAN now streaming on Spotify, Apple Podcasts, or YouTube.
Featured image by Shutterstock