

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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Devale Ellis On Being A Provider, Marriage Growth & Redefining Fatherhood
In this candid episode of the xoMAN podcast, host Kiara Walker talked with Devale Ellis, actor, social media personality, and star of Zatima, about modern masculinity, learning to be a better husband, emotional presence in marriage, fatherhood for Black men, and leading by example.
“I Wasn’t Present Emotionally”: Devale Ellis on Marriage Growth
Devale Ellis On Learning He Was a ‘Bad Husband’
Ellis grew up believing that a man should prioritize providing for his family. “I know this may come off as misogynistic, but I feel like it’s my responsibility as a man to pay for everything,” he said, emphasizing the wise guidance passed down by his father. However, five years into his marriage to long-time partner Khadeen Ellis, he realized provision wasn’t just financial.
“I was a bad husband because I wasn’t present emotionally… I wasn’t concerned about what she needed outside of the resources.”
Once he shifted his mindset, his marriage improved. “In me trying to be of service to her, I learned that me being of service created a woman who is now willing to be of service to me.”
On Redefining Masculinity and Fatherhood
For Ellis, “being a man is about being consistent.” As a father of four, he sees parenthood as a chance to reshape the future.
“Children give you another chance at life. I have four different opportunities right now to do my life all over again.”
He also works to uplift young Black men, reinforcing their worth in a world that often undermines them. His values extend to his career—Ellis refuses to play roles that involve domestic violence or sexual assault.
Watch the full episode below:
On Marriage, Family Planning, and Writing His Story
After his wife’s postpartum preeclampsia, Ellis chose a vasectomy over her taking hormonal birth control, further proving his commitment to their partnership. He and Khadeen share their journey in We Over Me, and his next book, Raising Kings: How Fatherhood Saved Me From Myself, is on the way.
Through honesty and growth, Devale Ellis challenges traditional ideas of masculinity, making his story one that resonates deeply with millennial women.
For the xoMAN podcast, host Kiara Walker peels back the layers of masculinity with candid conversations that challenge stereotypes and celebrate vulnerability. Real men. Real stories. Real talk.
Want more real talk from xoMAN? Catch the full audio episodes every Tuesday on Spotify and Apple Podcasts, and don’t miss the full video drops every Wednesday on YouTube. Hit follow, subscribe, and stay tapped in.
Featured image by YouTube/xoNecole
6 Tabletop Sex Positions That'll Unlock You & Bae's Most Primal Desires
Something I will never tire of is finding new ways to bring new layers to intimacy. A wall you use as momentum, a bathroom sink to help you keep your balance as he worships you on his knees, a shower that is usually for cleansing but evolves into a sacred ritual of shared intimacy.
My favorite kind of sex is the kind of sex that prioritizes pleasure and connection. So, technically and thankfully, I can say most of my sex life has been quite pleasurable throughout the years. But the memorable encounters for sure take the cake. One such encounter actually took place on a kitchen counter, and with it unleashed inhibitions in ways I never anticipated while unlocking levels to top-tier sex. And that, that involved a kitchen counter.
Why Kitchen Counter Sex Just Hits Different
What is it about having your hips pressed into the edge of a kitchen counter that lets out something so primal in you? The cool-to-the-touch feel of the countertop against exposed skin as you rise to meet him again and again. The urgency in every movement. The playfulness of repurposing an everyday space for something far more erotic. If you’re looking to bring that energy into your own sex life, keep reading for positions and tips to explore.
1. The Bounce House
They don’t call it Bounce House for nothing. In this position, the penetrating partner lies flat on their back on a sturdy table or counter while the receiving partner straddles them, knees bent and facing away. With their hands gripping the edge of the surface for support, the receiving partner slides or bounces at their own pace, owning the rhythm, the motion, and the view.
According to sex therapist Michael Aaron, Ph.D., who spoke with Women’s Health, the receiving partner placing their legs between their partner’s creates a tighter sensation, while staying fully astride allows for more bounce and range of motion. Either way, this one puts the receiver in full control, and you know we love a good woman on top position. Pleasure and power? Say less.
2. The Bicycle
Well, you know what they say about riding a bike. In the case of this table top position, it's the receiving partner who is the rider...but not in the way you think. While lying back on a sturdy surface or a table, the receiver will bring their knees toward their chest, bending them as if in a cycling motion. The penetrating partner stands at the edge of the surface, grabbing the receiver's ankles, and guides themselves inside, slowly so as to savor the moment. This angle puts everything on display for the penetrating partner while allowing for deep, connected thrusting for the receiver.
To take things up a notch , the receiving partner can touch themselves or flex their thighs to control the depth or the rhythm. Because, who says only one person gets to have control?
3. Counter Offer
How could we be at the table and not use it to eat? Enter: Counter Offer. In this oral-focused sex position, the receiving partner perches on the edge of a counter or table, lying back or sitting upright with legs parted or bent for comfort. The penetrating partner kneels or stands between their thighs, depending on the setup and the kind of attention they’re ready to give. No doubt, this one’s all about access and intention.
With the vulva front and center, the height makes it easier to maintain eye contact, use hands freely for things like breast play or incorporating toys, and take their time with every moan-inducing taste. And that’s on five, six, seven, ATE.
4. Standing Doggy
Standing Doggy is what happens when a classic like doggy style gets an upgrade. Instead of being on all fours on a bed, the receiving partner bends over a hard surface like a table or counter, keeping their hips aligned at its edge. The penetrating partner stands behind and enters from the back, using the angle to go deeper and create a strong, steady rhythm. This one offers maximum control and visual appeal, especially if the penetrating partner reaches around for a little extra clitoral stimulation throughout thrusting.
This angle can get intense quickly, so bonus points if the receiving partner engages their pelvic floor muscles or shifts their weight to adjust how the pressure hits, especially if your goal is to hit that G-spot sweet spot.
5. Top Shelf
Men's Healthcalls this one "Yourself on the Shelf," but we like to call it "Top Shelf" because it's giving full view, full grip, and climax potential that's hard to top. The receiving partner sits on the edge of a sturdy table or counter while the penetrating partner stands in front of them and slowly slides in, thrusting while keeping them in position. From there, legs can wrap around their waist, arms can encircle their back, and the closeness at peak ecstasy? Chef's kiss.
If you have the core strength, add lifting to the menu for the final strokes leading to orgasm. Otherwise, allow the surface to the heavy lifting and enjoy the pleasure.
6. The Thumper
What better way to remind yourself that you're both the snack and the entrée than with a little tableside service courtesy of The Thumper? This position has the receiving partner kneeling on a sturdy table or counter (keyword: sturdy), hands gripping the edge or braced in front for support. The penetrating partner can then either kneel behind them (if there's room for two), or stay anchored on the ground with both feet planted on the floor (similar to the previously mentioned Standing Doggy). It all depends on the mood.
Kneeling on the table offers just the right amount of leverage for deep, steady strokes. The receiving partner can play with tightness by either keeping their knees closer together for a snug grip, or open their knees wider to invite more access, depth, and stretch. The Thumper is versatile that way, and the most important thing? The receiver gets to be the main course. Yum.
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