Sugar and Money

01/12/2022

Asking for a friend?

Perhaps you’ve made a vision board (like I have), wrote out your goals and even shared with a friend or two what you plan to achieve this year.

That’s all fine and dandy but are you putting in the work or nah?

Here are a few ways you can put in the work to improve your financial this year:

🌟 Make a realistic budget and stick to it
🌟 Increase your income
🌟 Reduce unnecessary spending
🌟 Review discretionary expenses like subscription
🌟 Eat the food you have at home
🌟 Track your net-worth
🌟 Don’t take on more debt
🌟 Set a day and time to regularly review your finances.

This will be YOUR year as long as you put in the work!💪🏾


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01/06/2022

🌟Friendly remember 🌟
While we are all excited for a new year and the goals that we would like to achieve - you have everything you need right now to achieve those goals!

Mind, body and soul - you can make it happen! Just put consistent action behind your goals and watch those results come!

You don’t need fancy pens, highlighters or notebooks eventhough we may like them. Just start with what you have today ant you can always reward yourself later!

Let me know what’s the first goal you’re working towards and I’ll drop mine in the comments👇🏾


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12/29/2021

Quick Holiday Spending Check in:

Christmas is over and so should the majority of your holiday shopping. So how do you feel financially after the holidays? 🙂🥺🥴

👉🏾Did you overspend?
👉🏾Did you get into debt?
🤚🏾No judgement if you answered yes to either of those.
👉🏾Did you spend less than planned?
👉🏾Did you stay within your budget?

If you don’t know the answer then the first thing you should do is evaluate your spending over the past month or two and face your finances.

Then make your plan for 2022 Holiday season because Christmas is the same day every year and shouldn’t come as a surprise or create unnecessary stress or strain on your finances.

PS: The best tip to plan for Christmas 2022 is to start saving now!

So how did you do this holiday season?
Any changes planned for 2022?👇🏾


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12/22/2021

The tree is trimmed and all the presents are purchased and wrapped - except for Ms. Lolo’s gifts which still have to be wrapped 😩😂

I just wanted to check in and see how you are doing today with 3 days until Christmas…

Drop a ❤️ and let me know:

💚 All shopping is done
❤️ Almost done shopping
🧡 Send help because I haven’t started
💚💚 I’m the grinch this year

Can’t wait to see these responses and if you aren’t celebrating Christmas, that’s totally fine too. I wish everyone a Happy Everything 💖

📷:

12/10/2021

🗣Y’all! I know everyone is saying it but how is 2021 almost over?

Because Christmas is legit 2 weeks away!

Are you ready? Are you excited? Are you dreading it? I know the holidays aren’t joyous for everyone and the longer I live, I understand why but today - let’s talk about any gifts you plan to buy.

Swipe through and let me know which one you are?

Then comment and let me know 👇🏾


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11/30/2021

Black Friday sales have went from 1 day only sales to now lasting damn near 2 weeks!

No shade to the businesses because they have business plans and income goals that revolve around Black Friday.

My message is to you, just like businesses have plans and goals, you need to keep your budget, spending plan and financial goals in mind too.

Don’t let these never ending sales ruin your budget 🙂

Drop an emoji showing how you feel about your Black Friday shopping?👇🏾

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11/20/2021

If your email box isn’t already inundated with pre Black Friday sales, do you even check your email? 😂

Anywho, don’t forget that next Saturday is 👛

And since I’m mosey, please drop your favorite small business or 2 in the comments! If you have a small business, drop it 👇🏾


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11/12/2021

You can just call me the Return Queen 👑 because I have no issue returning items to the store.

If I ordered it online - catch me at the post office/UPS store or FedEx sending those items right on back!

However, I will admit I’m trying to be more intentional with my purchases so I don’t have to make returns but sometimes - things don’t fit or heck I realize I just don’t need it after all 🤷🏾‍♀️

So here’s your reminder in case you need it- Return all the things that you need and if you can’t return them - maybe you can post it on a resale site or online group for sale!

After all, the goal is to put more money in your pocket!

👉🏾What’s the last thing you returned? Let me know in the comments.


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11/10/2021

One thing I know for sure about 2021, we aren’t tolerating being treated any kind of way anymore.

Job tripping, boss tripping, not being paid enough - then we finding another job 🤷🏾‍♀️ or betting on ourselves and pouting our all into our own business!

Not being treated right in a relationship- We can be single and happy or get in a better relationship 🤗

Family and Friends tripping - well best believe we taking notice whether we speak up or not and we are all establishing boundaries and they will be respected 💁🏾‍♀️

No matter how 2021 has shaped up for you, just believe that it’s only setting you up for a better 2022! 💖

Share with me a lesson that 2021 has taught you?👇🏾


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11/09/2021

Can you believe that more than half of Americans (55%) are still not using all their paid time off 😳

If you’re apart of that 55% please plan to use your vacation time. There is more to life than just working and trust me, the workplace will survive a few days without you.

Your health and happiness is worth it. Also your family and the memories that can be made while on vacation is worth it.

If you need reasons to take vacation, here ya go:

* Rest
* Staycation at home or a local hotel/resort
* Christmas Shopping
* Take a Trip  - day trips count too!
* Netflix and Chill during the week
* Volunteer in your child's classroom or at the school
* Have a selfcare day: Massage, Salon, Nice Lunch, Take a Nap
* Dislike Mondays, Take a 3 day weekend
* Get paid on Friday, Take a 3 day weekend
* Visit Family
* Just because it's yours to take.

PS: Check with your employer to see if your PTO has to be used by 12/31 because if it does - you need to go ahead and plan for your time off NOW. 


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11/02/2021

Know your numbers!

REMINDER!

We often spend money ONLY because we have it. Leaving it challenging to save, invest, OR to truly map out our greatest desires. Use this reminder to keep your discretionary spending in check (non-essential “NICE to HAVE” not “NEED to HAVE.”)

NOTE: You don’t have to use a pre-paid card. Do what works best for you and a method that you can stick to consistently.

Are we really entering 2022?

Have a peaceful week!

10/20/2021

Of course I can’t forget about the Men! We need our men to be healthy too!

🗣Health is truly wealth!

Sometimes I think men neglect their health the most, just my opinion and I’m not about to Google any stats but I know from personal experience especially at work (in HR) I’ve heard many times from men that they haven’t been to the doctor in years! My reply is, “You have health insurance, why not use it” followed up by - “You gotta take care of yourself!”

We have medical professionals that are here for preventative health and when serious health conditions arise. But we have to do our part!

What about your dad, your brother, your significant other, favorite cousin, etc.

📌Take a quick minute today and shoot them a text or a quick phone call to see how they’re doing and when was the last time they went to these doctors?


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