DON’T LET SOCIAL MEDIA KEEP YOU BROKE

Mindless scrolling will keep you broke. Consuming too much social media will keep you broke. The endless amount of content that people put out there and sell will have you thinking what you have is never enough, outdated, out of season, or just wrong. Please keep in mind they make a commission, receive products for free, and often times return product back to the store after posting.

We live in a world where over consumption is keeping everyone broke trying to keep up with the latest of latest.

News flash, you don’t need a tiny home size closet. Having a wall of shoes that you probably only wear once is unrealistic. That is a waste of money. No one needs 30 pair of jeans. 20 white shirts. Please take the fashion inspiration and filter the rest. Also wear what you want. Who needs a new wardrobe every season? All it takes is investing in a few good pieces to create multiple outfits. Think about it, many of us grab the same pieces to wear to work, do errands, lounge around, and even during exercise.

Next, take it from me, a beauty junkie, there’s absolutely no reason anyone needs 10 foundations, 15 eyeshadow palettes, 40 lipsticks, and 20 bronzers. First of all, you’re never going to use any one product until it’s gone. Money wasted. The product does expire. And the rate these cosmetic companies are putting out new products it’s just useless, wasteful, and unnecessary. Many of your favorite gurus don’t even use the product after posting. Again having a closet just for makeup is unrealistic. Get you the basics you need and replenish as needed.

Talking about social media keeping you broke, who has the time and money to go on 4 lavish and exotic vacations every year. In the real world, a family barely takes one vacation a year. Don’t let social media think you’re not living life if you aren’t jet setting across the globe. Spoiler alert: some of them aren’t either. Much of what you see is FAKE!!!!! You can have a great life experiencing local festivities and activities.

Ok, this is the last one and it’s a doozy. Before you check out of your Amazon cart, ask yourself if it’s a need. I love watching “25 Things You Didn’t Know You Needed From Amazon”, but I don’t go buy them. I guarantee, if you look around your home, there are items purchased that aren’t being used. Just gadgets that seem cool, fun to look at, or great concept for a one time use. Everything should have a place and there’s a place for everything.

Social media can be a great tool for inspiration. But leave it there. Keep things in perspective. Be realistic. And while they are making a great living don’t you go broke buying everything they recommend because “it’s a must have.” ALL MY SOCIAL MEDIA APPS DELETED

Ironically this will not only help your wallet, but your mental and emotional wellness also. A few years ago I began getting irritated by all the clothes that still had tags on them in the closet. Shoes, especially tennis shoes, that I forgot about because I had too many options or my lifestyle just didn’t provide me the opportunities to get a good wear out of all I had. It pains me to talk about the amount of half used makeup I threw out because I had too much or it was sitting for too long.

I took my own advice after looking around my home and seeing money laying around and wasted.

That’s when the lightbulb went off. The first step in getting to a great place mentally and emotionally is going bare. I began selling clothes and shoes that I didn’t wear. If I had’t worn it in a year I was selling it. If I forgot I had it, I sold it. Let’s get to know me and heal me without all this “stuff”. It’s an amazing feeling. No distractions, you making some money on the side, and learning to be comfortable as you are.

Don’t let social media keep broke or make you go broke. Use it for inspiration, ideas, and entertainment. But just like they do, use a filter and get rid of the excess. Be well!!!

RosalynLynn

Be you so you can be free.

FINANCIAL MINDSET: WHICH ONE ARE YOU?

After hearing two coworkers different point of view about finances, budgeting, and saving it had me think about my point of view on finances. Which mindset of the financial spectrum did I fall on? One coworker said she only lives once. Therefore, she buys what she wants, when she wants, and doesn’t particularly save. She pays her bills in full every month. After that, she and her husband live their life. They didn’t believe in the rainy day. “I can’t take the money with me when I die.” Hmmmmm…….

The other coworker was on the complete opposite end of the financial mindset. Her and her family budget everything every month down to the entertainment, eating out, and extras. She said if she goes to the store and get to the counter and the total is over what she planned she will stand there and determine which item she needs less and put it back. Whenever the budget runs out for that category, that is it until next payday or it’s time to budget again. They also have a set savings amount each month. “We just don’t know what’s going to happen.” Hmmmmmm……

So that leads me to the question of which mindset are you?

A. Tomorrow isn’t promised so I’m going to live each day like it’s my last. I’ll worry about tomorrow and what is needed then.

B. I like to be prepared and make sure I have everything I need. I never know when an emergency or unexpected situation or expense may occur.

C. Some where in the middle.

D. Haven’t thought about it.

What’s your financial mindset? Which aisle of the spectrum do fall on? QUICK FINANCIAL WELLNESS TIP

RosalynLynn

Be you so you can be free.

YOU HAVE EVERYTHING YOU NEED TO START A SIDE HUSTLE

Within the last year and half the idea of a ”side hustle” has really been pushed. There is so much advice, tips, and tricks on how to begin a side hustle that could make one overwhelmed. The one thing that you need to know if you want to create a side hustle is that you have everything you need to begin.

Most of the time people side hustles are what they are passionate about or some hobby that they enjoy. Well you can do that with what’s in your home. Whatever you are good at you can begin to create and sell. You have everything you need to start a side hustle and let the money work for you.

To begin with the obvious, many want to start their own Youtube channel. Well you can. You have a phone and it records. So you have what you need to begin. You have a story to tell that inspires someone. There is also a gift in you that is ready to come out. I know there are many who started their Youtube channel just using their phone. You don’t need to spend money on equipment to begin. That will come when it’s time.

The next is to start a blog. Once again you have a phone or IPAD, then you can begin to create your own story on the web. We have to get out of our head that we need all the bells and whistles to begin. When in actuality, if we had the bells and whistles we wouldn’t know how to use them correctly. Yes, there are some who started their blog on their phone or whatever device they had handy. By the way, your story is what’s going to capture your audience. You already have everything you need.

Next, side hustle you can do because you have everything is retail reselling or selling what you no longer use or need. There are many platforms and apps you can download on your phone that you already have, to begin selling items in your home and closet that you no longer use. Go through your home and pull everything that you haven’t worn or used in a year. I guarantee you, you will generate additional income. Your phone allows you to download the app, take photos, edit the photos, upload photos, create the listing, and sell the listing.

If you are good at baking or cooking, you can use your phone to market yourself on several apps you already use to cater events. Begin locally and let it grow. You have everything you need to create a free website to sell whatever goods or services you are good at. Self Care: Hobbies and Activities After all, we all have something we are good at.

There are so many other ”side hustles” that you can do to generate additional income with what you have. I know you’ve seen many articles and other content on side hustle ideas. You have everthing you need to begin. We all have something that we are passionate about. Furthermore, we all have a hobby that we love doing.

Using your talents and gifts that reside in you already, allows you to begin any side hustle you desire. If you’re good at organization, creating travel plans, planning, transcribing, writing, or many other ideas you can begin now. Use what you have to begin. Please don’t make the mistake of thinking you have time. On the other hand, thinking you need money and resources to begin. Build yourself up and you’ll enjoy the process.

P.S. This is not a post to tell you you should start a side hustle, its for those you’ve been thinking about it. They are waiting for the right time, or when they get the money to begin.

RosalynLynn

Be you so you can be free.

Handle Your Business…Get Your Finances Together

The older I get and as I approach a age milestone the importance of handling my business is more important to me than ever before. Now when I say handle my business its making sure the non tangibles are in tact.

It pains me to see so many people focused on what others are doing on social media, what they are wearing, where they are going, and twisting themselves into a pretzel trying to keep up. The more you focus on someone’s filtered life on social media the less time you are spending making sure your ish is together.

The first step in handling your business is managing your finances. Get a calendar book or journal and write stuff down. You need to know what your monthly expenses are, how much is going in and how much is going out. The more organized you are the more successful you can be in managing and saving your money. Money Jar Saving Method for easy saving

What are the due dates on your bills? Are your bills spaced out enough through the month according to your paydays? Did you know you can request a different due date on certain bills? Changing your due date on certain bills will allow you to effectively manage your income and stay in control.

Another way to handle your business is to stop overspending. Before you buy something ask yourself if its a want or need. Take a look in your closet and around your house and you’ll see how much money is sitting there wasted. I bet there are clothes and shoes that you’ve purchase but haven’t worn in a while or still have the tags on them. When you look around the house do you see stuff just sitting there collecting dust?

Along with overspending, save yourself time and money by paying things off. Instead of paying the minimum pay a little extra. If you’re minimum payment is $27, go ahead and give a solid $30. You are saving money and paying interest down and that bill will be paid off quicker. You can also save money by paying in full. So often we choose to pay in installments, however if you look at your statements on many of your bills there are installment fees.

I know some of this may be easier said than done. But start somewhere and start small. One of the main reasons we become overwhelmed, depressed, and lose ourselves often times begin with a financial situation and things just spiral after that.

You don’t have to be rich to live a rich life.

RosalynLynn

Be you so you can be free.