It's official. You've been grounded for a few weeks and are being forced to stay in your home, which can feel like solitary confinement. Mama Corona did not come here to play with you!
While you've been prescribed to socially distance yourself, the isolation can leave you feeling idle and anxious with concerns around the impact this will have on the economy, your job security, or your business. Times like this can feel like punishment, bringing up those same fears, frustrations, and feelings of being "bad", but this time with money, leaving you uncertain about your financial future.
Image via Giphy
Many people think worries about money are just a "broke" person's problem, but SPOILER ALERT, they're not. The truth is, even HIGH EARNERS can still have a TON of fear around money. It's the equivalent of hearing someone cough around you during this pandemic--the kind of fear that makes your body tense up and makes you question why your throat or stomach is hurting all of a sudden or why you aren't feeling well.
As a Money Mindset + Business Coach, I am here to help you replace panic with peace, and turn your fears into financial favor. Here are 7 steps to get started:
1. Get grounded (in a good way).
First, take inventory of your bills. If you are concerned about the months to come, figure out what is a necessity versus a luxury. If you have the money, pay your bills. If you're experiencing financial hardship, take action.
Call the creditors and see if you can receive a 60-day suspension of payments or interest.
This may apply to mortgages, rent, cable, electric, student loans, etc. While the debts won't necessarily be forgiven, it will provide you an opportunity to get on solid ground. Connect with nature, take social media breaks when needed, and make sure you are still connecting with others and not isolating yourself during social distancing.
Image by Giphy
2. Get out of your own head (and into your body).
With gyms shutting down across the country, your usual workout routine may not be available. Get creative with home workouts or take them outside for some fresh air and sunshine. You can find plenty of free workouts online or support your fitness friends that have taken their businesses online.
The endorphins will help you find a sense of peace in the midst of chaos, helping you to make better, more informed decisions. Make a habit of this, and if you find yourself overextended financially once the panic over coronavirus subsides, you can cancel your gym membership and pay yourself instead.
3. Shift your mindset.
Balance is key. Enjoying experiences and guilty pleasures are necessary as life is meant to be enjoyed. When you're feeling financial uncertainty, shift your mindset from CONSUMERISM to OWNERSHIP. Your emotions and boredom can get the best of you during this time which will only make you feel more financially strapped. With the way Amazon Prime is so conveniently set up, you may find yourself spending unnecessarily.
Rather than letting boredom take all your dollars that you won't see again, get in on the greatest sales of the year by making purchases that will actually provide you a return on your investment.
Just because you can't fly right now doesn't mean you can't buy and hold a piece of your favorite airlines. Those stocks might just bring you back some "free flights" in the future. Cryptocurrency and stocks are having their biggest sales in a long time right now. Plant a few seeds that will potentially help you rebound or pivot in the months and years to come.
4. Go digital.
Create or take your side hustle or business digital. And no, I'm not talking about unethical business practices like hoarding 17,000 bottles of hand sanitizer and getting banned from selling them online during a global pandemic. I'm talking about a business that feels like it's made for you because it is. Do you think it's a coincidence you've been forced to sit and slow down? It's times like this when you have more time to find and develop your purpose.
Take this time to assess your aptitude (innate gifts) and learned skill sets to monetize your talents. The world has been changing right before your eyes, and if you've been distracted by life, it's providing you with an opportunity. Will you take it?
Remember your ex, Blockbuster? It can be hard to recall when you found the current love of your life, Netflix. When Blockbuster didn't adapt, refused to do his inner work to heal and get with the times, he became a thing of the past and just didn't do it for you anymore as you evolved. This rings true more than ever today as society and technology continue to evolve. Some of the most lucrative and disruptive ideas were born from the last recession.
It is during these times it pays to be more receptive than ever to new money strategies and understand that through change comes opportunity.
Need an example of how to adapt? If you've been driving Lyft or Uber and this income stream has left you financially stressed, adapt to the current environment and consider food or grocery delivery (i.e., UberEats and Instacart, respectively).
6. Financial wellness is not determined by your bank balance.
This may sound counterintuitive. However, how much money you make or have does not determine your financial health. While being cash strapped can create anxiety, financial wellness is how you feel about your current financial situation. True abundance is being grateful and at peace no matter where you are. As we navigate through the unknowns in the wilderness of the coronavirus and the economic impact, focus on financial peace and balance. There are a lot of people whose identity is tied to money, who have lots of it, and they are being challenged to figure out what's really important.
Image via Giphy
7. Own your money mindset. Don't let it own you.
What does this mean exactly? It means to gain clarity and take hold of the way you think and behave when it comes to your money. Oftentimes our beliefs around money and scarcity mindset run deep, connected to our childhoods. If you've never healed your relationship with money, it's a great time to invest in doing so. The fear, anxiety, and avoidance around money that has you stuck in cycles of shame and guilt aren't even yours and it's time to unpack that.
A truly abundant mindset is being grateful with what you currently have no matter where you are in your journey to financial wellness, even during a quarantine.
Staying grounded and connected especially during these chaotic times will help you shift from fearful to favored, like scoring the last pack of toilet paper. Don't you agree?
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Featured image by Shutterstock
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Actress Issa Rae has recently captured fans' attention with her radiant skin and captivating looks while promoting her new live-action movie Barbie.
Barbie, which debuted in theaters last week, follows the famous figurine (Margot Robbie) as she and Ken (Ryan Gosling) uncover the true meaning of life and happiness after Barbie gets axed from Barbieland for having imperfect features. In the film, Rae portrays the role of President Barbie.
In celebration of Barbie's release, Rae graciously shared her beauty tips on Vogue's YouTube series Beauty Secrets, revealing her daily moisturizing routine, the products she swears by to achieve that stunning glow, and the lessons she learned in the entertainment industry.
At the top of the video, the 38-year-old revealed that she hasn't had any breakouts in over a year thanks to the Olehenriksen Dewtopia 20% Acid Night Treatment. Rae shares that she usually applies the serum at night before bed and rinses it off the following morning.
But due to the tutorial, the Insecure star decided to do it before applying other products to her face.
"There's no morning routine without my Dewtopia. I have not had a pimple in a year and a half since using this," she said. "Not even period pimples... I love this product."
Cleanser and Lip Balm
In the next step, Rae applied the Cetaphil Gentle Skin Cleanser throughout her skin to remove any excess dirt and help retain moisture. The actress also added Vaseline Pure Petroleum Jelly on her lips.
Further into the video, Rae stressed the importance of scalp care being considered a part of a skincare routine, especially within the Black community, as she applied Sienna Naturals Daily Elixir Hair & Scalp Oil throughout her scalp.
"Scalp oil from Sienna Naturals... I'm dry all the time everywhere, and scalp care is skincare," she explained while mentioning the other ways she has protected her various hairstyles. "I will rock braids. I'm good at wrapping my hair at night and preserving hairstyles. Barbie was a wiggy a-- set. I'll say that."
Vitamin C & E Serum
After applying the scalp oil throughout her hair, Rae continued her routine by rubbing in Eminence Skin Care Citrus & Kale Potent C+E Serum on her face.There are benefits to using a serum containing vitamins C and E. Healthline reports that the sole reason that vitamin C and E serums could be helpful to one's skin is because it "combats different types of UV damage."
As for her eyes and how she reduces the appearance of dark circles, Rae revealed that she uses Lancer Legacy Eye Treatment Duo regularly while gently applying the cream to her eyes.
Also, in the interview, Rae disclosed details about her morning self-care regimen: waking up early, working out, and caring for her skin.
"I used to have super dark circles under my eyes. This is a Lancer Legacy Eye Treatment. Mornings are my favorite time of day. They are my time. I get up super early. I'm a 4 a.m. girl," she stated.
"I get my workout in, and after my workouts, then I feel like I've already tackled the day in the best way. And then this is where you find me, my skincare routine. That's also a way to unwind and get ready for the day. I do bask in it when I have time."
Rae continued the discussion by saying that she prioritizes her skincare routine so much that she doesn't leave home without any of her products.
"When I'm traveling, this entire routine goes in a small pouch, like a kit. It goes with me everywhere, every bathroom. I unpack it first. Where I'm at, I know that I'm home and my skin will be taken care of," she said.
To help prevent any sun damage to her skin, Rae applied Supergoop! Unseen Sunscreen on her face.
The Photograph star shared that before adding sunscreen to her skincare routine, she was one of the individuals that felt she didn't need it because she was Black.
But after Rae learned that skin cancer could happen to anybody regardless of race and location, she made a "concerted effort to put on sunscreen."
"I use sunscreen a lot, and I have gotten better about it because I was one of those ones. I was one of those Blacks that was like, 'Do I need it?'" she stated. "I've learned that cancer doesn't care where you're at. So I make a concerted effort to put on sunscreen."
In the last step of her skincare tutorial, Rae disclosed that when she occasionally goes to work without makeup, the product that helps her maintain her "glowy look" is Tata Harper Beautifying Face Oil.
"I will go to work without makeup if I'm in a rush, and when I still want to have that glowy, dewy look, I use this Tata Harper Beautifying Oil. I love it," she said.
In regards to makeup, Rae kept it fairly subtle by applying neutral colors and a gloss. She shared how she loves bronzer, and her go-to is Tower Cream Bronzer. She also likes Dime Beauty Eyebrow Gel, and MAC Cosmetics lip pencil, and Sigma lip gloss.
While applying those products, The Lovebirds actress shared the one career advice that has kept her encouraged in times of despair over the years.
"I would say the best advice I have gotten has been like what's meant for you will be yours. That has got me through so many setbacks," she said. "That really gets me through times when I'm down on myself. When something is mine, and I'm ready for it, then I'm out here, baby."
Rae completed the look by applying her favorite scent Chanel N°5 to her skin.
The live-action Barbie is now playing in theaters, and for more of Rae's skincare and makeup routine, check out the video below.
Barbie's Issa Rae Shares Her Dry Skin Routine | Beauty Secrets | Vogue
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Featured image via Vogue/Beauty Secrets