

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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'Black Girl Magic' Poet Mahogany L. Browne Talks Banned Books And The Power Of The Creative Pivot
You know you’re dealing with a truly talented and profound voice of a generation when the powers that be attempt to silence it. As a poet, educator, and cultural curator, Mahogany L. Browne has carved out a powerful space in the world of literature and beyond.
From penning the viral poem, “Black Girl Magic,” to writing Woke: A Young Poet’s Call To Justice (a book once banned from a Boston school library), to becoming the 2024 Paterson Poetry Prize winner and a poet-in-residence at Lincoln Center—her path exemplifies resilience, reinvention, and unapologetic artistry. She's published more than 40 works and paid the bills with her craft, a divine dream for many creatives seeking release, autonomy, and freedom in a tough economic climate.
A Goddard College graduate, who earned an MFA from Pratt Institute and was awarded an honorary doctorate from Marymount Manhattan College, Mahogany offers unapologetic realness with a side of grace and empowerment. "I started touring locally. I started creating chat books so that those poems will go in the hands of the people who were sitting in the rooms," she shared.
"And then I started facilitating poetry workshops, so I used my chat books as curriculum. And that, in turn, allowed me to further invest in my art and show the community and people who were hiring me that it wasn't just a one-off, that it's not just, you know, a fly by night—that I am invested in this art as much as I am invested in your community, in your children's learning, in our growth."
Mahogany has a special way of moving audiences, and her superpower sparks shifts in perspective, post-performance introspection, and strengthening of community bonds, especially among Black women. (One can undeniably recognize her gift for arousal of the spirit and mind merely from her listening to her insights from the other side of a Google Hangout call. I can only imagine the soul-stirring, top-tier sensory encounter when watching her perform in person.)
In this chat with xoNecole, Mahogany reflects on sustaining a creative career, the aftermath of writing a banned book, and using poetry for both healing, community-building, and activism.
Anthony Artis
xoNecole: What are three key things that have laid the foundation for a sustainable creative career for you?
Mahogany L Browne: What has helped me is that I'm willing to go in being an expert at knowing poetry and knowing the way in which art can change the landscape of our lives, not just as a poet, but also as a poetry facilitator. How you move through classes, those things are mastered, right? So when I go into another space that's maybe tech-heavy, I don't mind learning and being, you know, a student of the wonder of how we can make this magic, work together.
Two, you’ve got to know how to pivot. Sometimes we say, ‘Alright, this is what my life is going to be. I'm going to be a New York Times best-selling author. I'm going to, you know, have an album that's Grammy-nominated. And then, say you get dropped from your record label. That doesn't mean you can't make an album anymore. You can also still create an album that can be submitted to the Grammys. So, what does a pivot look like as an artist who doesn't have an institution behind them? Pivot being a student of the wonder.
Relationships also really help. How do I serve the community? And in turn, that tells me how the community can show up. For me, I have long-standing ties with a community that will outlast my one life. So, what does it mean to create space where these relationships can develop, can be nurtured, can be rooted, can be cultivated? Creating space—it happens through relationships.
xoN: With today’s economic challenges, what does your current creative process look like, and what are you working on?
MB: I’m always thinking five years ahead. I just reviewed the pages for two children’s books and recently released a YA novel. I’m drafting an adult fiction manuscript now.
Anything I create is founded with the root of poetry, but it can exist in captions. It can exist in commercials. It can exist as a musical. So that's where I’m at now.
xoN: You started performing "Black Girl Magic" in 2013, had an acclaimed performance of it via PBS and the work went on to viral success shortly after. Talk more about the inspiration. And what do you think about the continued relevance more than a decade later?
MB: I wrote it as a rally cry for the mothers who had been keeping themselves truly in harm's way by, you know, being a part of the community right after the death of their child or their loved one. They are usually mothers of victims of police brutality—and just seeing how they showed up in these community spaces, they are devout to the cause but obviously still grieving.
"I wanted this poem to be just a space of reclamation, of joy and of you, of your light, of your shine, of your brilliance, in any which way in which you fashion. Every room you enter is the room you deserve to be in. What does it mean to have a poem like that that exists?"
And the first time I did the poem, the Weeping that occurred, right? It was like this blood-letting of sorts. The next time I performed it, I'm moved to tears because I'm seeing how it's affecting other women who have just been waiting to hear, ‘You belong. You deserve. You are good. We see you. Thank you, despite everything that they said to make you regret being born in this beautiful brown, dark-skinned, light-skinned, but Black body.’
Black women are the backbone—period. Point blank. And so, that that poem became a necessity, not just to the fortitude of Black women in the community, but like you know, in service of healing the Black women.
xoN: One of your books was banned at a school in Boston, and it was later reinstated due to parental and activist support. What was that experience like?
MB: Well, I think it happened because they were racist. That's it. Point blank. The reversal of it was empowering, right? I realized, oh, I thought we just had to sit here and be on a banned book list. But no, parents are actually the leaders of this charge.
So to see that, the parents said, ‘Nah, we're not gonna let you take this book out of my baby’s school just because it's a Black kid on the front saying, ‘Woke’ and they're talking about being a global citizen. They're talking about accountability. They're talking about accessibility. They're talking about allyship, and you don't want them to have compassion or empathy or have even an understanding, right? So no, we rebuke that, and we want this book here anyway.’ To see that happen in that way. I was, like, reaffirmed. Absolutely.
xoN: You recently organized the Black Girl Magic Ball at the Lincoln Center in New York. Honorees included author and entrepreneur Rachel Cargle and National Black Theater CEO Sade Lythcott. What impact did it have and what expanded legacy do you hope to leave with your creative works?
MB: I was really interested in not celebrating just the book, but celebrating the community that made the book possible. And so I gave out five awards to women doing that thing, like, what does it mean to be a Black girl in this world?
I just thought it was gonna be an amazing time. Everybody's gonna dress up—we're gonna celebrate each other. And boom, I then realized that it responded to like a gaping hole. There was a missing thing for Black girls of all walks of life, all ages, right?
"It's very intergenerational. That was intentional to come together and celebrate just being us."
You have all these instances where just being you is either the butt of a joke or it's diminished and not worthy of a specific title in these larger institutions. So what does it mean to just to be loved up on and celebrated?
It felt like a self-care project at first. You know, for the first couple of years, folks were coming and they were getting that sisterhood. They were getting that tribe work that they were missing in their everyday lives.
I love the Black Girl Magic Ball because we got us. If I go out with a bang, they'll remember that Mahogany worked her a** off to make sure all the Black girls everywhere knew that she was the light. We are the blueprint.
For more information on Mahogany L. Browne, her work, and her future projects, visit her website or follow her on IG @mobrowne.
Featured image by Anthony Artis
Inside Tiera Kennedy’s BET Awards Night: Hanifa Dress, DIY Glam & ‘Blackbiird’ Nomination
This is Tiera Kennedy’s world, and we’re just living in it.
An Alabama native taking country music by storm thanks to her features on Beyoncé s Cowboy Carter and her recently released debut, Rooted, Kennedy is much more than just a woman living out her wildest dreams; she embodies the role of all-American girl with ease.
“I think for me, an all-American girl, for some reason, brings me back to when I was younger, and just like playing at my grandma’s house and just being outside,” Kennedy told xoNecole ahead of her attendance at the 2025 BET Awards.
“I just feel like when I was younger, you know, you don’t have as many responsibilities. There’s not as much weighing you down, and so I kind of go back to that mindset. Like, even now, being 27, I’m trying to get back to that younger girl.”
The 2025 BET Awards, hosted by Kevin Hart, took place in Los Angeles at the Peacock Theater on Monday night (June 9). The star-studded event was filled with tons of surprises, including a trip down memory lane with a 106 & Park reunion, coupled with performances by artists that dominated the top spots during the music video countdown show’s reign from 2000 to 2014.
Kennedy, who received her first nomination alongside Tanner Adell, Brittney Spencer, Reyna Roberts, and Beyoncè in the BET Her category for “Blackbiird,” the reimagination of the original The Beatles of the same title (minus the extra i), invited xoNecole to get ready with her as she prepared for her first-ever BET Awards.
Beauty Rituals Inherited From Her Mother.
Rather than booking her makeup artist ahead of the big night, Kennedy decided to go on a budget and do the task herself, something that isn’t too out of her norm. She noted how she incorporates some of the things she witnessed her mother do while growing up in her routine.
“I remember being younger and seeing all the makeup laid out on my mom’s counter,” the “I Look Good In That Truck” singer recalled. “I don’t even think she knows this, but there were moments where I would like to go and steal her makeup. She would have Mac. I think it was some kind of foundation powder, and I would go in there and I would put it on, and I’m like I hope she doesn’t see.”
She added, “My mom is very natural with her makeup, so even though I’ve got these big lashes on, I always gravitate towards just neutral looks… I don’t do anything too fancy.”
Tiera Kennedy’s Holy Grail of Products.
Kennedy took it upon herself to take a class to ensure that she’s prepared for nights like these, where she’s the one responsible for bringing her glam look to life.
“We are independent,” she said, reminding us that she is no longer tied to a big machine when it comes to her work as an artist. “We ball on a budget. I have to do my makeup for award shows, events, all the things, and so my makeup artist that taught me how to do all of this, Hailee Clark, she put me on to Nars, the foundation. I don’t know exactly what the name of it is, but I love it.”
“I don’t know all the fancy technicals, but I know that it makes me just look kind of airbrushed, and so I love it. Then, I always use this Laura Mercier [setting] powder because I get real shiny, so I’ve gotta reapply that quite often.”
“We are independent. We ball on a budget. I have to do my makeup for award shows, events, all the things, and so my makeup artist that taught me how to do all of this, Hailee Clark, she put me on."
Her Decision To Wear Hanifa For The Big Night.
Intentionality is essential for Kennedy, which is why she jumped at the opportunity to support Black designer Anifa Mvuemba with a dress from her fashion brand, Hanifa.
“Takirra on my team helped me pick out the dress. I really like to represent in country music, and being in Nashville, I like to represent Black culture through the things that I wear, and I was excited to get to wear a Black brand to the BET Awards,” said Kennedy.
“She was telling me about this brand, Hanifa, and we were on FaceTime just scrolling through the website, and she was like this looks like you. This feels very rooted, like fits those natural tones, and so she bought the dress and was like, ‘This is what you’re wearing.’”
The look was a Raven Knit Dress in Eggplant/Dark Brown Mesh from Hanifa.
Tiera Kennedy in her younger years.
Courtesy
Kennedy also nurtured her inner child for the look, taking it back to her roots with one small detail in her hair that she had her mother carry out before she hopped on the flight to LA.
“I had this vision of wearing beads in my hair because when I was younger, my mom would always do that, and I didn’t love it, but now I’m like, it would be really beautiful to tie all of that together, and the Hanifa dress just fit perfectly.”
“Just even in the past couple of days, I’ve had to take a second, and just look back at all of the awesome things we’ve gotten to do,” said Kennedy when asked what baby Tiera is feeling in this moment.
“I had this vision of wearing beads in my hair, because when I was younger, my mom would always do that, and I didn’t love it, but now I’m like, it would be really beautiful to tie all of that together, and the Hanifa dress just fit perfectly.”
“I dreamed of having a record and having this team that was doing all of these things for me, and now, being an independent artist, and being in control of my career, I’ve gotten to build an awesome team behind me that helps me get to where I am. It’s been a lot of hard work, and I think when I was younger, I would have never imagined that I could do all of these things, and so, yeah, to be here, I don’t even think I would believe it.”
Although “Blackbiird” didn’t win in the BET Her category during Monday night’s show, Kennedy’s future is brighter than ever, which she attests to her faith playing a huge role in guiding her next steps as she continues to rise to stardom.
“Thinking about the next thing, I think that can be really daunting when you’re an independent artist. It’s like you have to be thinking of what’s coming next, to prepare for that, but I think the way that I like to walk through life in general is letting the Lord lead,” Kennedy said.
“I know that a lot of time when I have a vision of what I want things to look like in my head, He always exceed my expectations. So, I think the plan is to continue to release music, and continue to show up as my authentic self. Getting to have these moments like the BET Awards is so awesome, but also, at the same time, that’s not what I do this for. I do it for the humans that are listening to my music, that are [having] fun and healing through my music, so I hope that I can just continue to do that.”
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Feature image by Rob Latour/Shutterstock