8 Things You're Definitely Spending WAY Too Money On Every Month
How much do you think you spend on nonessentials? On average, Americans spend nearly $18,000 a year on nonessentials. If that sounds like a lot of money, it's because it is. Over time seemingly small splurges, like $5 here and $7 there, add up.
The money you impulsively spend could be put to better use. Often, we don't recognize how much we're spending because it's easy to swipe your card and not think about your declining bank account. You may have to put in extra work to cut back, but it's possible when you identify the ways you're overspending.
1.Coffee
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Coffee gives most adults that boost of energy to help get them through the day. Buying a daily dose of caffeine can easily become a costly habit. The few dollars spent on that delicious latte can really add up without you taking any notice. Spending four dollars a day on coffee can add up to $28 dollars a week and that's $112 per month. By the end of the year, you could save $1,344 by cutting back on your coffee habits. Making your coffee at home in a travel mug is more cost-efficient than spending money at a coffeehouse to get your daily fix.
2.Food Delivery
Takeout is on the rise, especially with the addition of food delivery services. Research showed 47 percent of respondents feel they overspend on takeout and 52 percent are usually hit by guilt after doing so. Everyday there's a new app that will personally deliver your favorite eats to your door, but not without added fees. The convenience of takeout comes at a price. It might be better for your wallet to personally pick up your food to avoid any extra fees and to prepare homemade meals.
3.Ride Sharing
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Everybody's using ride sharing apps these days because it's so convenient and hassle-free, but frequent use of ride sharing apps can ruin your attempts at saving money. The amount of money you can save on transportation by using public transportation or driving your own car is astronomical.
4.Cable
These days, it's possible to stay in the know about trending shows and movies without even paying for cable. The options to replace your cable bill with a streaming bill continue to grow by the day. Most people don't watch every single channel in their cable package anyways. If you find yourself watching less and less cable, then it may be time to ditch it all together.
5.Subscription Services
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In the US, consumers subscribe to three subscription services on average and 34% of respondents plan on subscribing to more services within two years. Subscription services are popping up everywhere and it's tempting to sign-up for every single one that sparks your interest. When you sign-up, the rate seems like a steal because it's just $10 a month, but this adds up throughout the year. Sit down, and add up the annual amount you're paying for subscription services and it may surprise you. Oftentimes, we are subscribed to services we don't even use.
6.Buying Lunch
Making your lunch everyday will save you money and probably help you to eat healthier. Let's be honest, eating healthy can be more costly than eating cheap processed food. It's cheaper to make healthy food at home, so you don't have to buy an easily overpriced salad. Spending over $10 a day on lunch for five days of the week is $50 per week. You work hard for your money, there's no point in eating it away.
7.Gym Memberships
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It seems like there's a gym around every corner with a plethora of amenities and features. A gym membership is a great investment in your health and wellness, but do you need an expensive membership when you only use a few machines? Also, if you signed up for a gym membership during the new year and you haven't used it in months, then it might be time to cut your membership.
8.Dining Out
Americans spend an average of $209.38 on restaurants per month. Restaurants are the number one luxury Americans choose to splurge on. It's not because the food is simply amazing, it's also the social component. People like to get together Saturday nights with their friends and family and forget about their worries, but this can come at a cost. If you can limit your dining experiences, then you'll be sure to have more money by the end of the month. Think about hosting dinners at your home by cooking or having guests come together to have a potluck.
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Aaliyah Sydonie Williams is a lover of pomegranates, intimate concerts, fluffy socks and all things R&B. She's a founder of a college advice blog, Her Little Corner, where she dishes helpful advice for college students to slay their college experience. When Aaliyah isn't eating at Starbucks, she's studying for her courses in finance, discovering new spots in the city, and brushing up on her photography skills. Keep up with her at Aaliyah Williams (@aaliyahsydonie).
ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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I Tried Beyoncé's Haircare Line CÉCRED & Here's My Honest Review
Beyoncé is snatching our wallets yet again with her latest business venture CÉCRED. In 2023, the Texas native hinted at a potential haircare line when she posted this photo causing fans to speculate that her next project would be focused on her famous tresses - they were right. Her haircare line Cécred launched on February 20 with her first drop called The Foundation Collection which focuses on haircare first, and I can only assume that a style product line for colored-treated hair will likely follow since Beyoncé is known for slaying various shades of blonde.
As a super fan since the early 2000s, it was only right that I give an honest review of the full line and purchase the Super Fan Bundle (retailed at $265) which includes the full product line of the 8 products, as well as a branded cosmetic bag. If you’re thinking, “Girl that bundle is too pricey for me,” I can assure you that for the value you're getting, the price is quite reasonable. This bundle was an intentional and marketable way to allow consumers to experience every Cécred product.
The brand messaging surrounding Cécred has been salon-inspired, and rightfully so as an ode to Beyoncé’s upbringing growing up in her mother’s hair salon in Houston. This line is backed by science and licensed cosmetologists showing that she’s done her research and appointed the experts. Cécred's IG feed has been filled with images and videos inside of hair salons including some videos of Ms. Tina herself assisting in the styling of beauty experts who visited Cécred's private salon to have the VIP treatment!
Now, have I seen influencers, consumers, and beauty stylists using the Foundation Collection at home? Yes, but I thought it was best to experience Cécred with my go-to cosmetologist who also happens to be my Auntie Tawana. She has been my educator and go-to for hair knowledge since I was a child and has had a hand in my mom's hair health which has always been goals for me. As a little girl, my Saturdays were spent sitting in her hair salon while my mama got her hair done as I patiently waited reading Jet and ESSENCE, ever so carefully eavesdropping on the conversations of the ladies who were coming for much more than just a beauty routine, but an experience.
I’d fall asleep on the plush couch in the waiting area flipping through magazines while listening to the sultry sounds of Maxwell. And I had my first lesson in breakup empowerment when I heard Sunshine Anderson’s “Heard It All Before.” So there was no other place for me to go than to see her, and because I’m her niece, I was able to visit her private salon in her home that she calls The After Hours where upon arrival I was greeted with my favorite Black-owned sparkling Rosé, candles lit, and my aunt’s breakdown of Cécred.
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But let me refocus and share my salon experience as I tried Cécred for the first time.
If You’re Wondering…Who is Cécred For?
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When news of Beyoncé potentially launching a beauty brand hit the internet, there were a bunch of predictions of what and who the line would be marketed towards and if she’d have any wig care products as she’s known for slaying her units! But she went in a totally different direction which I love, and I’m going to tell you why. Critics have questioned if Beyoncé should be venturing into the haircare industry because she is often seen in weaves and wigs, but true Beyoncé fans know that she has healthy hair and that, like many Black women, experiments with various styles.
Cécred was created for all hair types and textures, including straight to coily, virgin, color-treated, chemically processed, and heat-styled. As a Black woman who has worn wigs, had chemically processed hair, heat-styled, natural, and color-treated hair, let me tell you, this was no easy feat! The amount of money I’ve spent on my hair through its various changes just on product alone, forget styling has been astronomical.
Cécred is serving the needs of various hair types in textures and I truly believe that this is going to make Beyoncé a true competitor in the hair industry amongst brands that are comparable such as OUAI and Olaplex. Both competitor brands have similar items at a higher price point and unlike Cécred, their products and brand messaging haven’t always felt inclusive to Black women and other hair types.
Cécred has been tested inclusively and the reviews from various hair types and backgrounds of consumers are allowing the brand to stand out.
I Tried Beyoncé's Haircare Line Cécred: My Honest Review
Yasmine Jameelah/xoNecole
Yasmine Jameelah/xoNecole
My hair has never felt cleaner and it shined for well over a week following the styling (but the oil should be used sparingly if like me, oil can weigh down your hair.) Immediately when my hair touched the sink, my aunt told me that she saw all the dirt and oils lifting from my hair when she applied the clarifying shampoo. As a girl who loves my curls, I am often judgy when I use any other shampoo and conditioner aside from Pattern, but not this time.
When my aunt guided my hands across my hair, she showed me how my curls weren’t tangled, and how she didn’t need to comb out my curls before applying the moisturizing deep conditioner or the deconstructing treatment mask.
Yasmine Jameelah/xoNecole
She applied each step with care and walked me through the process, and to my surprise, the hair mask wasn’t thick - but through trial and error as a natural girl, I’ve learned that a thick mask doesn’t always equal what’s best for your hair. She styled me with a silk press that left my hair with shine and I can honestly say that each step of the line is needed especially if you are someone who changes up your hair and deals with breakage. If your hair is healthy, you can opt out of the reconstructing treatment mask but I recommend taking the product line to your salon, having a discussion with your stylist on where your hair health needs improvement, and then purchasing based on that.
We know ourselves better than anyone else, but your stylist knows your hair better than you do. I like to lead with their knowledge first and then incorporate what my hair goals are. If you’re a girly who’s committed to hair health and has either the discipline to incorporate each step at home or can bring your products to the salon, Cécred is for you no matter if you’re a silk press or a wash-and-go naturalist.
Give Cécred a try, I’ll be using the line for my hair appointments until it runs out and if I see long-term results, it will be added to the beauty regimen indefinitely.
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Featured image courtesy of CÉCRED