8 Online Platforms To Build Wealth & Get Your Money Right By 2022
Last year brought financial challenges for many, as some were displaced from their jobs while others started new side hustles. But this year, we are set to turn things around! These eight online platforms led by Black women aim to teach us how to get our money right. From budgeting to investing to paying off student loans and beyond, these women will help us all move toward finding financial freedom.
It's time to hit the reset button to learn essential tips, so let's check out a few top personal finance websites and platforms that will help you do just that:
Brown Ambition
Founders Tiffany "The Budgetnista" Aliche and Mandi Woodruff are both long-time powerhouse personal finance experts. They've partnered up to launch the Brown Ambition Podcast, a weekly show to help you live your best financial and professional life. Tiffany and Mandi give it to you to straight, no chaser. They take their individual experiences and add them to interviews with bomb guests to give you an entertaining and informative experience. They're the friends-in-your-head that everyone needs to help make the best financial decisions.
Hello Seven
Hello Seven was founded in 2017 by Rachel Rodgers, an intellectual property attorney and business coach. Her philosophy is "We should all be millionaires," and the tagline is the name of the book she recently wrote. Through her podcast, website, and club, she has helped women scale their businesses to seven figures, build personal wealth, and gain economic power.
Journey to Launch
Jamila Souffrant created Journey to Launch, documenting her journey to financial independence. She went from traveling for more than three hours to work every day to finding financial freedom by working for herself. The platform's podcast features guests that share financial tips as well as their own personal journeys toward financial freedom.
Finances Demystified
Finances Demystified was founded in 2012 by Dominique Broadway. After working at a brokerage firm that focused on high net-worth individuals, she learned how the wealthy successfully managed their money. Noticing a gap in the industry that made wealth building inaccessible to many, she decided to educate individuals about personal finance and show them how they, too, can become high net-worth earners.
Trade and Travel
Trade and Travel was founded in 2017 by Teri Ijeoma, a self-taught stock and options enthusiast. She has educated hundreds of people on how to invest in stocks and make money via the stock market. She teaches people how to navigate investing to make it work for them and is an avid traveler who promotes the beauty of what financial freedom can mean for women.
The Finance Bar
Marsha Barnes founded The Finance Bar in 2014. She's a financial expert with a decade of experience, and her platform helps women and couples achieve financial wellness through coaching, education, and an innovative learning hub.
Frugal Feminista
Kara Stevens is the founder of Frugal Feminista, a personal finance and personal development company launched in 2014. She is committed to helping women heal their relationships with money and with themselves and help women to become happy, wealthy, and brave so they can unapologetically live life on their terms.
The Student Loan Doctor
Too many people are buried underneath student loan debt, watching interest accumulate astronomically over time. Sonia Lewis, AKA "The Student Loan Doctor," launched her platform to provide coaching and consumer advocacy services, and she's helped more than 20,000 clients nationwide to eliminate federal student loan debt.
We hope these eight online platforms will help you get prepped for success in 2022. Check them out and let us know what you think!
Featured image by PeopleImages/Getty Images
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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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When discussing the topic of raising children, discipline is often the first thing that comes to mind. Children need discipline. Full stop. But what is discipline? And how do we draw the line between discipline and revenge?
The origin of the word "discipline" can be traced back to the Latin word "disciplina," which means "instruction" or "teaching." Over time, however, discipline has come to be synonymous with punishment, with parents relying on shame, fear, and/or physical pain to curb undesirable behavior.
Teaching takes time, so nipping it in the bud in whatever fashion parents deem necessary (within reason) has become the norm. But is this what’s best for children? And when does it become less about curbing undesirable behavior and more about getting our licks back for offenses we feel our children should know better to do?
In my work as a parenting coach, I’ve often heard parents say, “I asked him nicely three times before spanking him. He didn’t stop doing it until I did, so clearly talking doesn’t work.”
And the parent isn’t wrong. Talking often doesn’t work the first, the third, or the even the 10th time. And the reason is directly tied to brain development.
Children cannot and do not process information the way an adult can. Auditory processing is not fully developed until a child is 14 or 15 years old. And even then, if a child has auditory processing delays or Auditory Processing Disorder (APD), they may always struggle with processing auditory commands. According to Susie S. Loraine, MA, CCC-SLP, the term auditory processing refers to how the brain perceives and interprets sound information. Several skills determine auditory processing ability—or listening success. They develop in a general four-step hierarchy, but all work together and are essential for daily listening.
Without this understanding, discipline can easily become revenge because parents will then view their child’s misdeeds as a personal slight. Instead of teaching them to do better, parents now want to show them the consequences of not doing better. This is why it's imperative for parents to discern between discipline and revenge to maintain healthy relationships with their children.
5 WAYS TO DISTINGUISH BETWEEN PARENTAL GUIDANCE AND RETALIATION:
Understanding The Intent
Discipline is rooted in love and concern for the child's well-being. It focuses on teaching lessons and helping children understand the consequences of their actions. Conversely, revenge-driven actions stem from a desire to inflict pain or punishment as payback for perceived slights or disobedience. Parents should reflect on their motives before taking disciplinary actions. Ask yourself whether your intention is to help your child learn or to make them suffer for upsetting you.
Example: If a child accidentally breaks a valuable item, a disciplinary response would involve discussing the importance of being careful and working with the child to come up with a way to replace or fix what they’ve broken. On the other hand, a vengeful reaction might involve yelling, harsh punishment, or bringing up past mistakes to intensify guilt.
Maintaining Emotional Regulation
Effective discipline requires parents to remain calm and composed, even in challenging situations. It's natural to feel upset or frustrated when children misbehave, but responding with anger or resentment can escalate the situation and blur the line between discipline and revenge. Before addressing the issue, take a moment to breathe and collect your thoughts.
Example: If a child cannot follow instructions, a disciplined response would involve calmly explaining why their cooperation is necessary in working with the child to accomplish the goal. Conversely, a retaliatory response might involve shouting, name-calling, or resorting to physical punishment out of anger.
Promoting Growth and Learning
Discipline should always aim to promote growth and learning. It involves guiding children toward making better choices and understanding the impact of their actions on themselves and others. Effective discipline strategies include positive reinforcement, setting clear expectations, and providing opportunities for reflection and growth.
Example: If a child repeatedly forgets to complete their chores, a disciplinary approach would involve discussing the importance of responsibility and finding solutions together, such as creating a chore chart or setting reminders with Siri or Alexa. In contrast, a revenge-driven response might involve imposing overly harsh punishments or belittling the child, which can undermine their self-esteem and hinder their ability to learn from their mistakes.
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Building Trust and Communication
Trust and open communication are essential components of a healthy parent-child relationship. Discipline should strengthen this bond by fostering trust and encouraging children to confide in their parents without fear of judgment or retaliation. When children feel safe and supported, they're more likely to accept discipline as a form of guidance rather than punishment.
Example: If a child admits to breaking a rule or making a mistake, a disciplined response would involve listening to their perspective, discussing the consequences of their actions, and working together to find a solution. Conversely, a retaliatory response might involve accusations, blame, or shutting down communication, which can erode trust and damage the parent-child relationship.
Seeking Professional Guidance
Parenting is a learning journey, and, disciplining children is a delicate balance between guiding them toward responsible behavior and nurturing their growth. By understanding the intent behind our actions, maintaining emotional regulation, promoting growth and learning, building trust and communication, and seeking professional guidance when needed, as parents we can help our children built on love, respect, and understanding.
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