Debt Free 2020

One of my personal goals for 2020 is to be completely debt free. Please keep in mind I am not including my student loans in this. I know for those of us who have student loans they can be a huge burden. I recommend tackling any other debt you have first and then addressing your student loans. Typically the interest rate on your student loans is significantly lower than any credit card(s) you have. If you address the credit card(s) or other loan debt first it will be easier to tackle student loans at a later date. Please note when I say later date I DO NOT mean do not pay on them now. If it is in your budget make sure you’re on some type of payment plan or pay the interest every month so you’re not shooting yourself in the foot.

I’ve always enjoyed writing out a budget but I’ve never stuck to them. The first time I saved more than 5k is while I was pregnant with my little one. Something about having a kid motivates you to get it together. Yes, at almost 30 I finally became somewhat financially savvy. I say somewhat because I have a long way to go as I’m sure many of us do. But I digress, lately I’ve been using the budget below to help me get it together.

Monthly Budgeting Tool – 1
Click the link above

This budget is simple and easy! Click on the link provided and you can fill in all your expenses and change it from month to month. What I like about this budget is that it easily shows you your income, expenses, and what you have left over. Don’t panic if your expenses are more than your income. Look at the budget again and cut some expenses. Be realistic! Eating out may not be in your budget, nor may entertainment, clothing, shoes, or beauty expenses. One thing Dave Ramsey always says that has stuck with me is, “You don’t need to see the inside of a restaurant unless you work there.” Those small purchases really add up so keep track of every dollar you spend. The draft budget I filled out includes some red boxes that help me customize the budget to my needs or remind me of certain things. Please do the same with yours.


One of the next things I did was start reading books and listening to podcasts. I would also recommend finding sites on Instagram or Facebook that encourage you to stay on course. Having a community that holds you accountable is extremely helpful. Leave a comment or send an email if you would like me to create a community where we check in on each other’s progress and hold each other accountable.

The internet can be a beautiful thing if used correctly. One person that has helped me out a lot is Dave Ramsey. I’m sure most of us have heard of him, but may have never paid any real attention to his methods. I encourage you to read some of his books. Here are a few of his books that may be helpful: Financial Peace Revisited, Smart Money Smart Kids, The Money Answer Book, Complete Guide to Money, The Total Money Makeover Workbook. Please also take advantage of his YouTube channel. He is giving out FREE advise and it just might help you!

Disclaimer: I feel like this has to be said I am in no way a financial advisor, I’m just sharing what I’m doing in hopes to help someone else. Please do your research and do what feels comfortable to you. Food, water, and shelter are things that you cannot live without make sure your basic needs are met and credit cards are not tools to live on! I hope some of my journey and some of what I’m sharing can help you or motivate you to take control of your finances in 2020.

Postpartum Shedding

Postpartum shedding, let’s talk about it! Postpartum shedding hit me around the three month mark. I have naturally fine hair and thus get my hair done accordingly. I know my hair cannot take a lot of tension or manipulation; with that being said I do get my hair done or do my hair myself because I am familiar with what it can handle. When I noticed the shedding I had just taken out some crochet box braids. Sis, when I tell you my hair was coming out in huge patches I am not exaggerating. My edges around the entire perimeter of my head were bald. I mean smooth as a babies butt bald, the Kim Possible naked mole rat bald. (Who remembers him?) I cried and cried and cried. There was basically nothing I could do and the excessive shedding lasted for months.

After doing a little research I learned that postpartum shedding is pretty common affecting almost 50% of women. During pregnancy hormones cause the hair not to grow on the normal hair growth and loss cycle. I think its important to note that for me I experienced additional shedding once my period returned around the six month mark. I cannot say for certain that there is a correlation between my period returning and my hair falling out; but we know that hormones increase hair growth. So I think the hormones associated with my period increased hair loss.

Typically during pregnancy the growing phase or cycle is extended with minimal hair loss. The hair loss that was delayed can fall out at once or over time. Most women will notice hair loss around the 3 month mark and the hair growth/loss cycle will typically return to normal around the six to twelve month mark. It is important to note that hair loss can also be related to a mineral or vitamin deficiency so please continue to take a pre or post-natal vitamin. If the hair lost seems excessive I encourage you to speak with your OBGYN or even a Dermatologist. For some women being on birth control can help.

Finally starting to grow again, September 20, 2019.

The picture above shows how my hair was looking once it finally started to grow back. Yes sis, I said grow back. My edges around the perimeter of my entire head left me! Gone! Vamoose! The picture below shows what the hairs looked like wet with conditioner.

October 1, 2019 wet with only conditioner.

I’ve finally come to terms with the hair loss. I’m currently 9 months post-partum and my hair has finally started to get back on its normal cycle. I’ve really struggled recently with wanting to cut my hair off, but I’m going to give my edges a year to grow back and start taking a hair, skin, and nails vitamin. I will definitely do a follow up post.

Tips to reduce hair loss:

  • Avoid hair styles that cause a lot of tension: pigtails, cornrows, braids, and hair weaves.
  • Use shampoos and conditioners that strengthen the hair and promote hair growth. Products with biotin would be a good start.
  • Consider taking a hair vitamin or increasing pre- or post-natal vitamin intake; birth control can even be an option. Vitamins recommended by the American Pregnancy Association include: Vitamin B complex, Vitamin C, Biotin, Zinc, and Vitamin E.
  • Make sure your diet consist of leafy green vegetables and fruits.
  • For my sisters, our hair is fragile when it is dry. Do not, I repeat do not comb or try to detangle your hair while it is dry. Dampen hair to detangle and make more manageable and please be gentle.
  • Minimize the amount of stress on hair; that includes hair dryers, flat irons, and hot combs.

Please note I encourage you to speak with a doctor. The tips provided are just suggestions to help lead you in the right direction. When it comes to taking a supplement speak with your healthcare provider and do what feels comfortable for you and your baby. Breastfeeding moms need to be especially careful about what you ingest; not just orally but through your pores as well. Most importantly Moms be sure to love yourself! You just brought life into this world! Just like your baby is growing leaps and bounds in front of you, your hair will grow as well.

Cheers!

First Designer Purchase

Happy New Year, I am beyond excited to finally be getting some content out. Watch the video below to see what my first designer purchase was and to see my thoughts. Before you watch I have to say this video looks like a low budget film (cringing inside). I want to provide quality content, but I’m still learning and working with my camera and equipment.

Feel free to suggest some camera equipment, video editing software for a computer and iPhone.

XOXO