Friday, January 12, 2018

Saving More Money in 2018


It’s really not cool that something had to happen to trigger the need (or desire) to save MORE. Saving more money in 2018 is my goal for the year and I hope to encourage more people to join me.

I recently had the unfortunate luck of having my iPhone software reset. I had the daunting task of reinstalling all of my apps from the App Store. While doing this exercise, I realize that I had an alarming amount of shopping apps and shockingly all were linked to my credit cards. This discovery led me to really do a self evaluation. I am going to save my money in 2018.

Our lives are all different and we are not at the same financial level and that’s OKAY. This journey is beneficial to everyone regardless officer financial level, age, sex or race. Trust me, even the rich want to learn ways to save and have MORE money in the bank. Join me on my journey to save more money in 2018 and keeping our coils!

So what is my plan? Well I don’t really have a system yet but I am going to build one and share with you as we go. I really want in return, your feedback and advice on how to keep my coins in the bank. Below is a list of things that I know we can all do to improve on saving. As the weeks go by I will write articles on how to dive into, and really get the most out these tips. I will be researching and reaching out to advisors and others who have gained success with these tips. I am no expert - let me put that out there. I need to accomplish this goal just as much as you. I will share with you as we journey together to saving more.

Tips to save more in 2018:

  1. Do not look at saving as an unattainable goal. It doesn’t matter if you are being paid at minimum wage; you can still save. Even if it’s a quarter a day, it adds up. We can do this! Just keep checking back for these tips to be elaborated on. Also, bare in mind that we can still have a life and save. I think doing a 52 week saving challenge is a great way to reward your self at the end of the year - 2018 Christmas present 🎅

  1. Get a small notebook designated to savings. You can also use the notepad in your phone if you are just not the paper type. I honestly believe that seeing things written down, will resonate more. It makes the journey so much more impactful.

  1. Self Evaluation. This is the most important step. Ask yourself, why am I still reading this post? Why do I want to save more money? What are the financial issues that plague my life? List it all out in your book - in no specific order.

  1. Debt Evaluation. List everything you owe - regardless of how cheap it is. Do you owe your coworker for that cup of coffee from yesterday? List that too.

  1. Budgeting. I know that most people are scared of this word - allergic even. Budgeting is planning how you will afford to live. Budgeting is planning out how and where can you save - even if it’s a quarter per day. A Budget is a plan. You remember the phrase 'If you fail to plan then you plan to fail'? This applies to saving too. Saving need to be a serious line item.

  1. Cut unnecessary spending.
    1. Do you really need to have lunch at Chopt everyday? Why don’t you pack and bring your lunch to work.
    2. Do you need that to buy that cute shoes that you added to your cart? Do you not have already have nice shoes? Come on stop it. lol!
    3. Do not shop for wants only NEEDS.

  1. Paying yourself. This is the fun one. Remember in tip #1 I said you need to live. Well her is where you will get your play money. BUT make sure it was budgeted for in tip #5.

  1. Budget your self-paycheck. Yes you read right. If you paid yourself $200 per paycheck are going to just blow it off in one shot? I would hope not. You need to create a budget for your set paycheck that you will be paying your self. Make it last. If you didn’t use it all - they voila - more money to save.
It 
  1. Opening the right bank accounts. This is crucial to this saving money thing. You need bank accounts that have a good interest rate. 98% of the time these banks do not have a teller. They are online banks. Personally I love AMEX High Yield savings account with 0.90% interest rate. I will be researching other banking options so I might just find something better. We'll see.

  1. Limit Credit card usage unless you ALWAYS pays it off in full each month. Cards that allow you to use your points towards paying your bills are major to me.

  1. Learn to say no. I am sorry if I sound mean, but YOU ARE NOT a walking ATM. You need to save and better yourself. Helping family and friends (using your self paycheck) is fine sometimes you need to be selfish sometimes. You worked hard for your money. Sorry….....not sorry.

  1. Earn more money. There are other ways to increase or income. The most extreme is to get a second job. However for those like me who cannot do a second job, we have to find other ways. One way is with online surveys and attending paid seminars (yes people actually get paid to sit and listen to seminars). I will collect a list of these sites to register and share with you.

    Another way is to enroll in money back shopping sites like
    Ebates. Before shopping on line, log in through Ebates and you will get cash back on you purchases. I will post more details on Ebates


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What advice do you have on how to save more money in 2018? Please share with us! 



Friday, December 29, 2017

DIY Moisturizing Spray For Locs And Natural Hair

DIY moisturizing spray for locs


Since I loc’d my hair last year November, creamy moisturizers have been a thing of the past. Anything creamy is the devil to locs because it causes buildup and can even grow mold in the loc (yuck!). So liquid everything has been my choice for hair products.

I have been experimenting with natural ingredients to build a moisturizer that WORKS. I wanted a product that left my hair moist and not just for a hot second. I wanted it seal in the moisture and offer shine to my locs, my scalp and my loose natural roots (a few inches). I apply this moisturizing spray to my entire locs and squeeze it into my loc. for my scalp (when retwist not fresh) I spray liberally to my scalp and give my self a soothing scalp massage. My hair and locs love it. This formula would work wonders for loose natural hair as well (it's not just for locs).

Below is what I use in my spray and I love it. In a 8oz bottle i add the following:

  • 1/2 bottle rose water
  • Mixture of your favorite base oils or you can select one: (Castor oil, Olive oil. Argan)
  • 3-4 drops of essential oils:
    • Tea tree
    • Rosemary
    • Lemongrass

THAT’S IT!!!!  Shake well and give your hair a treat.

Sunday, December 3, 2017

1Yr Loc Update | Loc Regimen

It is my 1yr Loc Anniversary ya'll!!! I am so happy to have reached a full year loc'd and loved my journey!


In the below video I talked about my loc regimen, how I maintain my locs, what I love about my journey so far and what I would change if I was to start over with my locs.









Products Mentioned in my Loc Regimen: Rose water: https://www.amazon.com/gp/product/B00... Dr. Locs: https://www.drlocs.com/shop/trialkit Previous Videos: 9Month Update: https://youtu.be/ugAZXVgZ7WY 3Month Loc Update: https://youtu.be/9zsApbEcKF0 1Month Loc Update: https://youtu.be/BdiDvAlEga0 2 Weeks Loc Update: https://youtu.be/lgn693fYzVs





9 Months Loc Update| Two Strand Twist Starter Locs

Quick Loc Update - 3 months

In the below video I shared what my loc journey looked like after 3months and also what my regimen was. however being new to the loc game, i knew nothing so research and experimenting was all i had to go off.

Enjoy.......

My Loc Journey Begins. 2Week Old Starter Locs

I have been a bad girl! i have neglected the blog and have not been keeping up with updating it for a long time (a whole year). But my life was just crazy this pass year. i am really trying to work in a routine. i have so much to update you on. I will be playing with uploading more videos as well.

......Anyway, so if you have been following me on my instagram then you would know by now that I loc'd my hair and have made a few videos. However nothing have been shared on the blog ---which I am working on correcting. So I am taking today to share all videos I have made this year and update you with what has been going on with Shelly.


So, yes, I decided to loc my hair Nov 27, 2016 and it has been a great new journey. I used the two strand twist method to start my locs. I installed 114 locs in my hair and really wanted to wake up with great locs, but I was introduced to the guy called Patience.  I am however excited to be on this journey.

In the video below, I recorded a quick view of what my hair looked like after 2weeks loc'd.

I hope you enjoy this video:



Saturday, December 10, 2016

Does Hairfinity Really Help Your Hair Grow?

Written by: Jasmine of HairCritics.com

Img Source: Hairfinity.com

After spending some time looking at Hairfinity testimonials online, I have to say that I was completely blown away by everyone’s experiences. I was so taken back by the results that some people achieved that I had to test it out and see how it would work on me. When I finally chose to take the plunge and give Hairfinity a try, I have to admit that I really didn’t expect to achieve amazing results. As an African-American woman, my hair grows very slowly so I really wasn’t expecting a miracle by any means whatsoever.

Thursday, March 31, 2016

Step 1 to A Healthy Hair Journey

Step 1 to a Healthy Hair Journey: Assess Your Hair's Health!



The first step on your healthy hair journey should be to Assess Your Hair's Health. I have to admit that I have to restart my healthy hair journey from scratch. The current condition of my hair is far from healthy. It's breaking. It's shedding like tree leaves in the fall - no kidding.  It's dry. This is all due to neglect. There, I admit it. It's all my fault. Lol!

Featured Naturalista: Jonette



Featured Naturalista: Jonette 


Where are you from?
I am from Savannah GA

What’s something we wouldn't know by looking at you?
That I am a nerd by nature!

How long have you been natural?
I have been Natural for 7 years!

Did you do the Big Chop or did you transition to natural hair and When?
I never did the Big Chop and gradually transitioned by wearing braids, weaves and fabulous wigs!

Did you have a support system?
No, it was a decision that I made and I was determined to make it work!

What is more important to you - Hair Length or Hair Health?
Healthy hair is important to me and will be flawless at any length!

What are some of your favorite natural hair products?
It would be my very first product that I used, Natty Butter by ATON and an all natural ACV rinse.


What is your natural hair regimen?
I usually incorporate co-washing with a good moisturizing conditioner that I let sit for an hour or two. Although it's not  very popular,  but I take the time to give attention to my scalp as well because some products are drying. I wear two-strand twist, updos and creative natural styles to keep things interesting!

What advice would you give to someone who is considering to go natural or a newly natural sista?
I would encourage them to not become frustrated and stay the course. Concentrate on what YOUR hair likes and stick with signature products. Embrace your Natural!

Where can we find you? (Facebook, Twitter, blog, website, etc.)
You can find me on Facebook:
Jonette GodsChick Pearson or
365Natural
#NaturalEveryday



Wednesday, January 6, 2016

Lets Reconnect!


Hi Loves,



I hope you had a great Christmas and your new year have started off great. I really wish and hope that 2016 will be 10 times better to you than 2015 was. 

I know you must have felt neglected as I go through my pregnancy and some new changes in my life - which I will fill you in on. I feel like I have not given you and the blog the attention deserved. This will all change in 2016, trust me.

So what is in store? 
  • More frequent articles posted on natural hair, motherhood, lifestyle and randomness. 
  • More polls, so that I can get to know you better and know what is it that you want to see on the blog. 
  • More Naturalistas featured. We want to showcase you girls who make up our awesome reader base. 
  • More videos. 
  • MORE giveaways. I have to reward you guys for being so supportive, so look out. 
  • And lastly, I am trying to do my first natural hair Meetup in New York. I am praying that it comes to life. I want to hear more from you all and interact more in 2016. 

I cannot do any of the above without you all so I am really asking for your support. Feedback is my most valuable tool to success, so please don't hesitate to comment or send me an email with your opinions. 

Before you go, please share 2 things with me:
1. Where are you located
2. What kind of articles interest you the most? What articles would you like to read on glamnaturallife this month? 


I look forward to your answers. Until my next post, Muah!! 


Thursday, December 17, 2015

Sometimes Change is Necessary!

This is a very different post from what I usually publish on the blog. However I feel so compelled to share my story with you. Why? Because so many of us have had or is still having a hard time adapting or embracing change. Sometimes change is necessary

So, first let me share a quick background knowledge on myself. I came to the U.S. from Jamaica in 2005 to finish my Computer Information Systems degree. I later got a job as a Marketing Analyst for a small company and stayed there for 8 years. I stayed for so many reasons but the biggest reason was FEAR. I was there for so long that I got comfortable. I knew my job so well and could do it blindfolded. The fear of the unknown was frightening. I was seriously afraid for so many reasons. But I knew I was in serious need of a change. I know some of you can relate.

Analyzing and Accepting Change
So here I am, Dec 23rd 2014, in a hospital bed in Manhattan with my new baby sleeping next to me. I stared into his little face and started analyzing my WHOLE life. I knew then, that as soon as I am well enough to move around I need to find a new job. A job that will challenge me and also better provide for this little precious gem I was lying next to. It just HAD to happen. It had to. 

Facing The Fear
I thought about what I do now and what I would like my next job and career to be. But I got lost quick. Then fear kicked it. I didn't know what was out there or what I was capable of doing. Suppose I resign and take a new job only to be fired instantly. My job was safe. My job was flexible. With a new baby I would be able to leave early to go home and build my own hours. The pay was bad but it was a job that I felt was somewhat secure. I tried to tell myself that 'most people do not have jobs, so be grateful'. But that was just FEAR talking. 

Make the Change
I decided Fear was not going to win. I started searching for a new job as I got home from the hospital - in between feedings. I was on my iPhone with the LinkedIn app applying for everything in my field, fields I believed I might be able to handle and even some fields that I just closed my eyes and say 'What the heck' and press they apply button. When DJ was 1 week old I started doing phone interviews. Yes, I said 1 week old. Lol!

Thankfully my husband is the best support system any wife would dream of. He drove me to and from my interviews. I walked into each one seriously blocking the pain of just birthing a child and focused on getting a new job before my maternity leave ended. He stayed in the car and fed and cared for the baby while I did my thing. Unfortunately not all interviews resulted in an offer. I got many rejection emails and calls and some simply didn't respond but I kept pushing. I wanted to give up so many times. Fear and I tackled a few times but I won in the end. 

When DJ was 7 weeks old I got offers from three Fortune 500 companies; all offering considerably more than what I was making. I couldn't believe it. Any choice I would have made would not have been a bad one. Now I work for PepsiCo which has to be the best company ever to work for where I am challenged daily. Most of all, the flexibility I have as a working mother is a dream. And I know that I have a lot more growing to do and I will get that point again when I will know it is time to change things up again.

The moral of my rant is that we should embrace change, analyze your life and anticipate when it is time to do something different. It might be your work life or personal life that needs a do over. But that thing called Fear can poison our minds and keep us where we are. Do not let Fear win. 

In what aspect of your life do you need a change? What would you do if you weren't afraid? Share with us!


Saving More Money in 2018

It’s really not cool that something had to happen to trigger the need (or desire) to save MORE. Saving more money in 2018 is my goal for...