Loading...

Follow City Girl Savings on Feedspot

Continue with Google
Continue with Facebook
or

Valid

Necole Kane, the woman who isn’t afraid of being herself and creating a space for women of all ages and backgrounds to do the same. If the name Necole Kane doesn’t ring a bell, perhaps you might know her from her former boss babe move of being a celebrity blogger turned business woman.

Although Ms. Kane appears to have it all, she has chosen to be an open book, which is very tough to do in a day and age of social media. She is an advocate of doing what makes you feel happy, and to always keep your best foot forward in the face of adversity. She is the spokesperson for empowering young women and motivating them to be the best version of themselves.

Through struggle is strength

Necole was born September 2nd in Cambridge, Dorchester County, Maryland.  At a young age she lost both of her parents, directing her to move to Detroit to get a fresh start. Of course, all that glitters isn’t gold. On the outside, it appeared she was living her best life ever, but internally she was battling with her own demons.

By 2007 she had hit rock bottom and found herself back in her hometown on the Eastern Shore of Maryland living with a family member. Instead of throwing in the towel and dwelling the things that weren’t going for her she decided to create a celebrity blog as a way to pass some time.

A real blog is born

Before she knew it, her following had grown and provided her enough stability to move to Atlanta, Georgia. In Atlanta, she was really able to hit the ground running, attending networking events within the industry and over the next couple of months her blogging grew by unexplainable growth. In one years time, Necole had created the fastest growing urban blog spot in the nation.

She interviewed the hottest celebrity personalities such as Big Sean, Amber Rose, and even flew around the world as part of Rihanna’s 777 tours.  If you could name it, then Necole has done it!! Eventually after moving to the big apple, working her dream job, she somewhat still felt unhappy and not fulfilled.

Moving on to bigger and better

By July 2, 2015, Necole said farewell to her celebrity blog site and wanted to focus on things with more substance. Shortly after she ended her blog, she launched her women’s lifestyle platform that featured articles on beauty, wellness, career advice, and so much more.

With an amazing new brand built around empowering others, Necole knew this was a much better start, yet still some things didn’t feel right. Two years after her new career endeavor Necole decided to take time to work on her.  She realized in order for her business to flourish she must learn to take care of her well-being and by doing so setting boundaries for herself and business.

Over the next couple of months Necole went through a major lifestyle change. In doing so, she focused more time to her overall health, which resulted in a positive change in her mood and productivity. With a new-found balance in her life, Necole realized that she could still chase her passion while still being the boss business woman she is.

Through her trials and tribulation Necole is able to share her story to help other women who have experienced similar battles that there is gold on the other side of the rainbow.  Necole is now the proud CEO and Editor-In-Chief of the women lifestyle brand xoNecole.com, which was recently acquired by the Hollywood producer Will Packer.

Necole is the perfect example of rags to riches, the right way. She wasn’t afraid to make changes, even if things appeared to be working. She shows that personal development should never be put on the back burner, and with the right mindset, you can do whatever you dream of! Are you a fan of Necole? Have you been following her throughout her career? Leave a comment below to share your thoughts!

-Taelor
The CGS Team

Taelor CageContent Contributor
 

The post How’d She Do It? Necole Kane appeared first on City Girl Savings.

Read Full Article
Visit website
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

More and more people are looking to create their own jobs, businesses, and ideas. They want the ability to work for themselves and take control of their destiny. If you are one of those people, then you likely need to start when you have a full-time job. The ability to manage having a day job and side hustle is tricky but rewarding.

In fact, having a secure paycheck when you are just starting your side business can ease the pressure of performing, allow you to have your bills covered while growing your side gig, and give you time to get your side business where you like before taking the plunge to becoming a full-time business owner.

Everyone functions a little differently. Some people thrive under the pressure – they will quit their secure job and go 100% into their business. Sink or swim is the name of the game. Other people work strategically. They ensure the secure paycheck is coming in while they are growing their business. Either option works.

For the purposes of today’s article, I want to focus on those who want to keep their day job while building their side hustle. I’m going to share a few tips that helped me manage having a day job and side hustle. If you put your mind to it, you can transition as best as possible from corporate to business owner.

Listen to the audio version of this blog post:
Get Organized

Whether you’re a full-time business owner or not, you need to be organized. It’s especially important when you are managing two different streams of income: your day job and your side hustle. Organization helps boost productivity, and keeps the mental juices flowing.

Here are a few ideas to help you get organized when managing two streams of income:

  • Designate a space for your side hustle – If you work in an office for your day job, it’s pretty clear that your desk is your workspace. When you have a side hustle, it’s tempting to work from the couch or in bed. You need to have a designated space for your side hustle. Whether it’s a desk in your home office, or the kitchen table, when you get to that space, you know it’s time to work.
  • Use a project and task tracker – In the article 5 Necessary Tools for Starting Your Side Hustle, Asana was number one on the list. I absolutely love Asana. It allows you to create projects, then assign tasks to those projects, then assign sub-tasks to those tasks. Each task and sub-task can have a due date set. This is a great way to get everything you need accomplished in one place and give yourself timeframes to get those tasks done.
  • Create a filing system – Just like you would create a filing system for your personal finances, you should create a filing system for your side hustle documents. Google Drive is a great place to store all of your important information. Create folders to help you categorize your documents by type.
Set Dedicated Times to Work on Your Side Hustle

Time management will be extremely important in managing your full-time job with your side business. To ensure your side business isn’t left in the dust, set dedicated times throughout the week to work on it. Planning ahead is important!

Leverage your Sunday evenings to review your calendar for the week ahead. If you know it’s a deadline week at your corporate job, which could require working later hours, make sure you factor that in when setting your side hustle schedule. When you properly plan your week, you won’t feel defeated because you made sure to account for most of the things that could come up for that week.

In the beginning, it will take some getting used to. Long gone are the days where you come home from work and park it on the couch until bed time. Now, the work continues even after your day job has ended. Things will get easier as you go along but having dedicated time to work on your business will help you feel and stay productive.

Leverage Your Day Job to Save or Pay off Debt

You are a business (or side hustle) owner now, so you need to start thinking strategically! Start thinking about how you can leverage your day job to help you save for emergencies, pay off debt, or get you closer to working on your side hustle full-time!

Even if you don’t plan on taking your side hustle to the next level, although – why wouldn’t you? You can still leverage your corporate job to get ahead as quickly as possible. Use the security of a full-time income to your advantage.

Get specific with the goals you need to reach before you would even consider taking your side business to full-time status. I can tell you off the bat, becoming debt free and having a solid 3-6 months’ worth of expenses saved for emergencies is the best way to start.

Start Building an Emergency Fund for Your Business

While you are being strategic and leveraging your day job to pay for your debt and emergency fund, you should also be creating an emergency fund for your business. All businesses have high and low seasons. If you plan on taking your business full-time, you will need to have reserves that keep you afloat through the slow times.

Any money that comes into your business while you still have your full-time job, should be put back into the business. A portion of that money should also be saved for your business’ emergency fund. I highly recommend you read Profit First for more information on creating a solid financial system in your side hustle. The sooner you start implementing systems, the easier it will be to grow your company.

Set a Monetary Goal to Quit Your Day Job

You know that you will be leveraging your full-time job to pay off debt and build an emergency savings, but what does that number look like? Get specific on the amount you will need to pay off debt, save for personal emergencies, and have a specific number in your bank account before you quit that full-time job.

When you give yourself a number, you now have something to work towards. Each paycheck is helping you get closer and closer to that final goal amount.

You can also set an income goal in your business. For example, once you reach $10,000/month in business revenue, then you will quit your full-time job. Either option will help give you gentle pressure to work towards the ultimate goal of becoming a full-time business owner.  One thing to keep in mind, if you are looking for a certain income threshold in your business, make sure you also have your personal situation taken care of and an emergency fund for your business. $10,000/month in revenue may only equal $5,000/month in profit.

Be Ready to Sacrifice

I touched on this earlier in the article, but the reality is that you will absolutely need to sacrifice and stay disciplined throughout this time. There will be times when you would rather go to happy hour then come home and work on your side hustle, but you will need to fight through it. Success will come when you put in the work, but you can’t have your cake and eat it too!

Your dedicated times to work on your side hustle should take priority over anything else. Any time outside of that should be used to take care of yourself. Burn out is not the way to go, so make sure you give yourself room to unwind and reflect. Trust me, the sacrifice will be worth it.

Related: What You Need to Start a Blog or Business

Welcome to the entrepreneurs’ club! If you are ready to make your side hustle dreams a reality, then the only way to start is to start! The tips above will help you when you do get started, but don’t procrastinate taking that first step. The longer you wait to start your side business, the longer it will take for it to reach success!

Do you have a full-time job and a side hustle? How do you manage your time, energy and money while doing so? Share your tips or any questions you may have on this topic by posting a comment below. I look forward to hearing from you all!

-Raya
The CGS Team

Raya ReavesFounder; Financial Consultant
 

The post How to Manage Having a Day Job and Side Hustle appeared first on City Girl Savings.

Read Full Article
Visit website
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Yes of course there is such a thing as planning the perfect vacation! Sure, there might be a few hiccups along the way, but some things are just out of your control. However, to plan for the unexpected is to plan for the best! This is especially true when you want to plan the perfect vacation.

Making your sure your essentials, your itinerary, and most of all, the people going on the trip with you, are on track, indicates your vacation and the vacation planning will be smooth sailing. I’m sharing 8 tips to help you plan the perfect vacation and truly enjoy your time away!

Don’t forget your budget

First and foremost, when planning a vacation, you want to make sure you think about your budget and how much you want to spend for your vacation. You don’t want to go on vacation and return broke and homeless. Check out the article Vacation Planning on a Budget for more details.

Getting together a budget will set the standard for how your trip will go and what will be done. With no budget in place, it’s like the blind leading the blind – you aren’t going to go anywhere. With a number on what you can afford to spend in mind, you will be able to move forward on which flights to book, where you will stay and what you’ll be doing on your trip.

Destination inspiration

After your budget and numbers figured out, the next step is to think about where you want to go. In some cases, traveling to a place you have never been is a great way to explore new things.  On the other hand, going somewhere you know will be a great time is a safe bet.

Do you want to stay local, in the United States or go international? How many people will be going with you? Do they have any ideas or issues with your suggestions? If you are traveling somewhere new, a lot of though should go into it – especially when a large group is going.

Whatever is your choice once you figure out a place to visit, you can then figure out airline tickets. Booking your travel in advance will help save you from headaches and spending a lot of money unnecessarily. Similar to the domino effect, once you have the budget you purchase your airline ticket, and then find a place to stay while on vacation.

What will transportation look like?

Figuring out transportation ahead of time can save you time and energy while actually on vacation. Will your hotel be walking distance from everything you need? If not, and locations and food places are spread very far from one another, transportation is required. Will public transportation be an option? What about Uber?

Having that type of information accessible is important to know prior to your arrival. Will you need a rental car? Are taxis readily available? Your transportation choices can you calculate the time it will take to get you from one location to the next. This may change the things you want to do while on vacation. The last thing you need is to be stranded somewhere in a foreign country with no way to get back to your hotel.

Use a booking website or travel agency to save money

In some cases, using a travel agency or booking website can help you save time and cut back on cost. The travel agency will try to find deals to help you save a buck or two in booking a hotel and flight together. A booking website might be able to offer an all-inclusive deal which leads you to not have to worry about food or drinks while at the hotel.

One thing to keep in mind is that there are usually fees when using a booking site or agency, but it could possibly save you money down the line during your vacation. Depending on where you decide to travel, it might be beneficial for you to use one to avoid any scams or fraudulent booking.

Plan your activities

If you’re going on a trip that might consist of some fun things to do, there is absolutely nothing wrong with planning some activities ahead of time. You will want to at least see what your options are and what prices look like for doing activities.

When there is so much to do, you can get caught up with doing one thing for too long and miss out on the others. Creating a plan will help you save your time and money in the long haul. You may not be able to squeeze everything you wanted to do in the trip, but it’s more than what might have gotten done if you hadn’t planned at all. Whether you’re going solo or with a group, planning ahead is the best way to have a perfect vacation.

Read Reviews

Reading reviews is like reading what a movie is going to be about before you waste your money. If the majority of reviews are good, then it’s definitely a great sign to go with it. If the reviews are mostly bad, then there is no reason why you should try and take a chance.

Remember, no business will have consistent flying stars and great reviews but it’s important to use your well judgement to decipher between the two. It’s also good to ask around and get personal recommendations from people who have visited the area you will be traveling to.

Inform your Bank

Informing your bank you will be leaving out of town is very important. It would not make for a great vacation if your bank assumes fraudulent activity and closes your card, leaving you will no money at all. It doesn’t matter how long you will be out of town or if you don’t plan on using your card at all. To be safe notify your bank when and where you will be traveling in the event you have to use your card for an emergency. The last thing you’ll want to do is being hung up on the phone talking to your bank instead of enjoying your time on vacation.

Enjoy your Trip

Once on your trip, enjoy your trip! Make sure your responsibilities are taken care of before you go, so you don’t have to worry about a thing. You’ve planned for this trip, so you know it will be fun. You budgeted for the trip, so you know you have enough money to spend as you please. Lastly, you have a loosely based itinerary to keep you focused. Now is the time to enjoy the fruits of your labor and let loose. No matter how long your trip is, be sure to soak up the moment and have a blast.

Related: Maximizing a Vacation, Before to After

Luggage packed, airlines booked, hotel reserved, and fun on the way. Planning any vacation is fun and should make for a stress-free trip. I hope with these useful tips, the next trip you plan is perfect and relaxing in every way possible.

Have you ever planned a trip and it was hassle free? What tips or suggestions would you share with us that you found to be great when you plan the perfect vacation? Check out our Facebook page and don’t forget to like and follow. Also, stay connected with us via our Twitter and IG – we love sharing new materials that help you navigate through life.

-Taelor
The CGS Team

Taelor CageContent Contributor
 

The post How to Plan the Perfect Vacation appeared first on City Girl Savings.

Read Full Article
Visit website
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Saving for retirement, through a 401k or IRA, is one of the best ways to set yourself up for a better future. You can take pride knowing that money is being set aside for your future. That money is yours, so if you need it, it’s important to keep in mind things to consider when taking money from your 401k. Before I get into that, I want to make sure you understand the importance of saving for retirement.

The earlier you start putting money away for retirement, the more you will have come that time. To make sure you are making the most of your retirement savings, I strongly urge you to review your investment options. Check out the video below to learn more about the importance of saving for retirement early:

Why You Should Start Saving for Retirement Now! - YouTube

Since you will be saving for retirement for years and years, there may come a time when you need that money for something. It’s never a good idea to take money from your retirement plan, but it is there in case of a true emergency. I’m sharing 5 things to consider when taking money from your 401k to cover unexpected or large expenses. Remember, your retirement money should be a last resort. If you do need it, make sure you know what you’re getting into!

#1 You can take money through a hardship withdrawal or loan

This may not apply to all 401k plans, but most of them offer the ability to take money out two ways: through a hardship withdrawal or a loan. If you take money out through a hardship withdrawal, you do not have to pay it back. There are stricter rules around taking money out through a hardship withdrawal. For example, you will have to provide detailed documentation around your hardship.

If you go the route of taking money out via a loan, most plans offer two different types: 1) a loan for a home purchase or renovation or 2) a general-purpose loan. Both loan options require that you pay the money back. Re-payments for the loan are typically taken out through your paycheck for a set amount of time. You do have the option to pay it off in full as well.

#2 You are taxed on money take out, unless it’s a loan and then you pay interest

Now that you know the different ways you can take money from your 401k, you need to know what those ways will cost you. If you take money out through a hardship withdrawal, you will be required to pay taxes on it. You would have been taxed at retirement, so you will be taxed now. You will also be subject to an early-withdrawal penalty if you are under 55 years of age.

If you take money out through a loan, you will be required to pay interest on that loan. The interest rate will be determined by your plan provider but will typically range anywhere between 4-7%. The good thing is that you are paying interest to yourself.

#3 Any money taken out is a missed opportunity for growth

Taking money out via a loan means that you will pay that money back, with interest, but what if your plan investments grow by 10% during the time you are paying back the loan? All that means is that you are missing out on that incredible growth.

It’s important to remember that any money taken out of your 401k plan is not able to grow like the money left in there. On the other hand, it’s also not subject to losses. However, do you really want to take that risk? Think about how much you are taking out and what it could really cost you. Missed growth may be harder to come by in the future.

#4 If you lose your job with an outstanding 401k loan, you only have 2 options

Whether you are laid off or quit your job, if you have an outstanding loan against your 401k in either situation, you only have two options. Your plan provider will ask that you pay the loan back in full within 90 days (or whatever they deem applicable), or you will be forced to take that loan out as a withdrawal and will be required to pay the early-withdrawal penalty (if you are under age 55), as well as any taxes on that money. If you plan on leaving your job or think there is a chance you will be laid off, save yourself some money and headache by avoiding a 401k loan.

#5 You are borrowing against your future

Make sure that you are making the right decision when you decide to take money out of your retirement plan, because the reality is that you are borrowing against your future. You may pay it back, if you take out a loan, but what if you don’t? Whatever you need the money for now, will you need it more in your future?

It really depends on where you are in your life. If you are in your 20s, you have more time to pay it back. However, if you are in your 40s, you may do more harm than good by taking money out. Take the time to think about how this could impact your future. Trust me, you would not want to be in a position where you can’t retire because you took money out when you shouldn’t have.

Related: 8 Things to Know About Your 401k Plan

I understand that we all get in financial pickles. If taking money out of your 401k plan is your only option, then be happy that it’s there and move forward with it. However, if you have the ability to figure it out another way, it may be better for your future to do so.

Have you ever taken money against your retirement plan? What was your experience with it? Share by leaving a reply in the comment section below.

-Raya
The CGS Team

Raya ReavesFounder; Financial Consultant
 

The post 5 Things to Consider When Taking Money from Your 401k appeared first on City Girl Savings.

Read Full Article
Visit website
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Plenty of shampoos include the ingredient sulfate which can prevent your hair from reaching its full potential, especially if it’s already damaged. Sulfate in shampoo helps provide the extra lather for washing your hair. Sodium lauryl sulfate and sodium laureth sulfate are components that don’t necessarily need to be added to shampoo. Sulfate-free shampoos are the way to go!

Although the sulfates listed above can be considered damaging to already damaged hair, it’s been proven that they don’t add any nutrients to strands. Sulfate-free shampoos can help keep your hair health and long. Try opting for these sulfate free shampoos as an alternative to revive your hair.

Luseta Biotin & Collagen Shampoo and Conditioner

Sulfate free shampoo is a healthy start for your healthy hair journey. Luseta Biotin & Collagen Shampoo and Conditioner helps fortify and thicken your hair. If you’ve experienced damaged hair, then this shampoo and conditioner duo can help repair and reduce signs of hair loss. This combo has no animal testing, and includes the powers of vitamin B7, argan oil, and hydrolyzed collagen. It’s even perfect for color treated hair, and for those who want to maintain their color while still keeping their healthy locks.

Carol’s Daughter Black Vanilla Shampoo

This black vanilla shampoo contains nothing damaging to your mane. All contents are natural and perfect for getting your hair back to healthy and shiny. No artificial colors, parabens, and definitely no sulfates! Carol’s daughter is great for boosting your hair with shine and giving you that natural softness. It gently nourishes and replenishes your hair with rose extract and aloe leaf juice.

Majestic Pure Argan Oil Shampoo

This gentle sulfate-free shampoo is great for restoring those locks that have been damaged. The shampoo contains all natural ingredients including Moroccan argan oil of the highest quality and purity. The potent formula helps provide your dull hair shine like you’ve never seen before. Majestic Pure Argan Oil is perfect for restoring dry, damaged hair and helps soothe dry and irritated areas on the scalp. This cruelty-free product contains rich proteins to help revive your hair’s health for the start of its healthy hair journey.

L’Oréal Paris EverPure Moisture + Color Care System

Grab L’Oréal’s EverPure shampoo and conditioner at your local beauty supply store for just $13.93, this sulfate free shampoo and conditioner delivers moisture to colored treated hair. It’s infused with rosemary, and offers hydration for your dull, dry locks. This color care system is ideal for those locks that have been color processed and need some extra help! Formulated with natural botanicals, and juniper the L’Oréal product will not let you down. The harsh salts found in sulfate products tend to dry the hair out even more, giving your hair no chance to revive.

Baebody Moroccan Argan Oil Shampoo

This sulfate-free shampoo is specially designed for curly and color treated hair. With its gentle moisturizing and volumizing contents, it’s a great option to restore your hair’s health and vibrancy.  Baebody Moroccan Argan Oil Shampoo helps repair and strengthen hair naturally. The perfect blend of natural contents such as almond oil, jojoba oil, and keratin assist in restoring your hair back to healthy. Nourish your hair the healthy way and try this sulfate-free option.

OGX Coconut Milk Shampoo

OGX Nourishing Coconut Milk Shampoo will provide your hair with the moisture it’s been missing.  If you adore the scent of fresh coconut, then this shampoo is ideal for you! OGX will add strength, hydration, elasticity and balance to your hair. Your hair will appear shinier and feel super soft!

Aveeno Pure Renewal Shampoo

Aveeno’s Pure Renewal Gentle Shampoo is perfect for all hair types. Aveeno products are known for being used on sensitive skin types, so it’s safe to say their hair products aren’t different. Aveeno will leave your hair feeling free of impurities, and hydrated. This sulfate-free shampoo is great for gently renewing your hair follicles for a stronger, healthier mane.  It helps restore your natural moisture back in place, with elements such as seaweed, and natural minerals and proteins to strengthen individual strands.

Garnier Fructis Triple Nutrition

The formula that Garnier Fructis’ Triple Nutrition Shampoo provides helps define your curls for smoother, healthier-looking locks. The sulfate-free shampoo aids in providing a triple nutrition for strengthening your curls. It gently cleanses and nourishes your hair with oils such as jojoba, macadamia, and coconut. You will definitely see a difference in with your locks after using this sulfate free shampoo. Your curls will appear more defined; feeling smoother and most importantly frizz- resistant.

Related: Amazing Treatments for Natural Hair

Finding what works best for your hair is ideal. There are different hair types that require different hair care, so take the time to figure out what works best for you.  Have you ever tried a sulfate-free product? How did you like it? Do you prefer using sulfate products? If so why? Share your thoughts and stay connected with us through our other social media accounts Twitter and Instagram @citygirlsavings. Also, check out our Facebook page, like and comment we love hearing from y’all!

-Taelor
The CGS Team

Taelor CageContent Contributor
 

The post 8 Sulfate-Free Shampoos to Revive Your Hair appeared first on City Girl Savings.

Read Full Article
Visit website
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Considering that 24% of our time each week is stuck at work (assuming you only work 40 hours a week), if that time is miserably spent, you could feel your life wasting away. It’s important to pinpoint signs you’re stuck in a career rut so you can make some changes.

Just because you may be stuck in a career rut, it doesn’t automatically mean that you need to quit your job. First, get to the root of why you aren’t happy at work. Once you understand that, you can move forward accordingly.

So, how do you figure out why you are unhappy with your job? Start by assessing your mood, thoughts and opinions around work. The 6 signs below will be a good indicator that you’re stuck in a career rut and need to make some changes!

You dread going into work

As I mentioned earlier, at least 24% of our week is spent at our full-time jobs. If you wake up everyday and literally hate the thought of facing your boss, co-workers, or workspace, something is up. We don’t always need to like our job, as it may be a stepping stone to the real job we want, but hating going into work is not good.

Ideally, going to work should come with a sense of pride or accomplishment, even if it isn’t exactly what you want to be doing. What makes the thought of work so miserable? Is it your co-workers? Is it your boss? Try to find what makes your experience with going to work such a terrible one. Once you identify what it is, think about how you can change it. Even if it means moving on.

You lack purpose or mission at work

Maybe your job isn’t saving trauma patients at a hospital, or helping sick animals, but it doesn’t mean you can’t have purpose or mission at any job. Think about the job you currently have, what impact does it make to the company, the customers, or the environment?

If you are a receptionist, who’s life are you making easier? Connecting the customer with the appropriate party to get their concerns resolved is pretty impactful! It may not be that you are lacking purpose or mission at work, it may be that you have lost the positive train of thought you need to see what that purpose or mission is.

After careful consideration, if you truly can’t see any purpose, passion or mission in your work, you may be in a career rut and need to change things up. Seek other opportunities at your company, maximize office downtime to learn more about you and your wants. Once you have a better idea on what would fulfill you each day, hop to it!

You are bored, with no way to make good use of your time

What if your company offers no resources to help you make good use of your time? You’re bored, with no more work to get done and no opportunity to expand your knowledge. This is more-so a sign that you’re in a job/company rut, as opposed to a career rut.

Your employer should want to create a culture that fosters growth. Most companies offer employees free access to educational resources like Lynda.com or Harvard Business Review. Other companies may offer assistance in personal growth and development. If you are bored at work, with no sign of more work or responsibility coming your way, and no way to make use of your time, move on!

Your position or responsibilities haven’t changed in years

Before I dive into this particular career-rut sign, I want you to think about why your position or responsibilities haven’t changed in years. Is it because you have no desire to grow or change positions? Or, is it because your boss has made it impossible for you to take on more responsibility?

If you are the reason why you haven’t changed positions or responsibilities in years, then you are in a rut, my friend! It’s extremely easy for time to creep on by, even though your routine hasn’t changed. Is that what you really want from life? Maybe you love what you do and who you work with and have no desire to change – then continue on!

However, if you have lost the spark to want to grow and take on more responsibility, I challenge you to get it back. Leverage resources available to you through work or seek outside help. Maybe it’s time to expand on your degree, or get licensed and take your position to the next level.

Let’s say your boss or someone around you is the reason for your lack of growth and change – how are they holding you back? What can you do to move on without them? I suggest taking on a mentor in your company who may not know your boss or what you’re going through. Building your network is a great way to move to other roles and responsibilities, whether your boss likes it or not!

You aren’t growing, learning or networking

If you feel like you haven’t grown, learned anything new or expanded your network in your company, a lack of drive could result. Start taking advantage of any and every opportunity to grow, learn and network. Not only will this spark change (and hopefully passion) in your day-to-day responsibilities, but it can help you get out of a potential career rut.

You don’t know what you want, so you stay put in your job

This should come as no surprise to you, but time keeps moving, even when you don’t. If you have been stuck in the same position or company because you don’t know what you want to do, you have to get yourself out of it. You need to think about what you want out of life. What would fill your soul with happiness? What type of responsibilities would you enjoy and make you feel purposeful?

In this particular case, your career rut could be your own doing. No one is going to tell you what you want for yourself, so you need to figure it out for your own self. There are plenty of career, life and motivational courses and coaches that can help you pinpoint what you want out of life.

Related: 7 Signs It’s Time to Change Jobs

Guess what, girlfriend? This crazy thing called life can pass you by! Start taking ownership of your destiny and put yourself in a position to do and be what you want. Do you think you are stuck in a career rut? Have you been in the past? Share how you handle career ruts and any words of wisdom with other CGS readers. Post a comment below to share!

-Raya
The CGS Team

Raya ReavesFounder; Financial Consultant
 

The post 6 Signs You’re Stuck in a Career Rut appeared first on City Girl Savings.

Read Full Article
Visit website
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Shoes…a life’s necessity. If you are a shoe-lover, like most of the CGS community, then you can appreciate when a shoe feels as good as it looks! In fact, when a shoe looks great but feels uncomfortable, most people can tell. What’s more important is having our shoes feel and look comfortable. There are so many times when the shoe is gorgeous but are completely uncomfortable, and that is a recipe for a long night. I’m sharing a few great tips to help you make shoes more comfortable.

Cover your Sandal Strap

Sandals are the best shoes to wear when the sun is out and the weather is perfect. The only annoying thing is the irritating strap that keeps bothering you when you walk. Say bye-bye to that pain and hello to fashion. Simply wrap your favorite fabric around the straps to avoid that irritating feel and let your fashionista spirit speak for itself. If you don’t have any extra fabric laying around, hit up your local Michaels or crafts store and pick some out. The cool thing is your sandal will look like a completely new sandal!

Sand Paper the Bottom of Shoes

Sometimes, when we haven’t really broken in a new shoe, it can feel as if we are moon-walking everywhere we go because the soles haven’t been broken in. All you need is a sheet of sand paper and the shoe that needs to be managed. Rub the bottom of your shoe against the sand paper to dispose of that slippery feeling. No more slippery slopes for you walking down the hallway with coworkers and friends! This doesn’t work so much on tennis shoes, or any shoe with ridges at the bottom.

Baby Powder in the Soles

Adding baby powder to your favorite shoes will not only make your shoes smell fresh, they will help you get rid of that squeaky sound. Squeaking is usually caused by parts of the shoe rubbing against each other. Just lift the inner sole of the shoe and sprinkle baby powder underneath. The powder prevents the material from rubbing together and making that annoying sound. People will no longer hear you before they see you walking down the halls!

Use Clear Deodorant

Who would have ever thought your deodorant can be used for more than one thing! Applying the clear deodorant to the inner heels of your favorite shoes helps eliminate blisters from coming.  The deodorant decreases friction and increases your ability to dance all night. This cool little life hack can keep your shoes in good condition and smelling great. So put on your dancing shoes and let the night take you where your heart desires!

Waterproof your Shoes

Shoes that are made from cloth material can be the worst during rainy seasons. The cloth material, like clothing when wet, gets soggy and very uncomfortable to be in. Keep your feet dry and waterproof your shoes using beeswax. Apply the beeswax all over the cloth material and then blow dry on cool to let it set in. The next time you miscalculate a puddle, your feet won’t have to pay the price.

Related: 4 Ways to Keep Your Shoes Looking Brand New

With so many hacks out there, I’m sure you won’t have to buy another pair of shoes for a while. Have you tried any of these cool shoe hacks? If so, what did you think about them? Do you have any shoe hacks you’d like to share to help make shoes more comfortable? Check out our Facebook page and like and comment below.

-Taelor
The CGS Team

Taelor CageContent Contributor
 

The post 5 Ways to Make Shoes More Comfortable appeared first on City Girl Savings.

Read Full Article
Visit website
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

I can make money from filling out a survey and giving my opinion? Sign me up! If your schedule is a little crazy to take on a consistent second job, you need to get creative! The great thing about surveys is that you can do them on your own time. There are plenty of survey sites to earn cash quick!

Now, you may not be filling out one or two surveys and making a quick $100, but the more surveys you complete in your free time, the higher your check will be. Just like anything in life, the more work you put in, the better your reward or results will be.

To get you started on the journey to earning cash from online surveys, I’ve done some research to pinpoint some of the best survey sites to earn cash quick and easy. There are plenty of options out there, but at least this list can get you started!

Swagbucks

One of the most popular survey sites, thanks to coming in app form as well, Swagbucks is a great way to earn money by filling out surveys, browsing the internet, and watching videos. Each activity results in the participant earning SB (aka swagbucks), which can be exchanged for gift cards or PayPal cash.

New participants get a $10 bonus just for signing up and activating. The most exciting part? Swagbucks has given out over $267,000,000 to date! Time to make that money!

MyPoints

Get paid for giving your opinion! MyPoints pay out members who take surveys, participate in polls, watch videos, read emails, play games and shop online! Similar to Swagbucks, points from MyPoints can be redeemed for gift cards and PayPal cash.

MyPoints has over 10 million members and has given out over $236,000,000 in cash or gift cards since 1996. They may not have given out as much as Swagbucks, but who says you can’t do both?

Survey Junkie

Survey Junkie is an online community with over 3 million members and they are on a mission to make your voice heard. Survey Junkie connects members to the brands they love and allows them to take surveys for those brands.

If you are looking to make a potential impact with the surveys you complete, in addition to earning cash and gift cards, then Survey Junkie is your place to go! They are also available on any device.

Harris Poll Online

Harris Poll Online functions similar to Survey Junkie in that they allow participants to take surveys from brands and companies they want to share their opinion on. Most surveys pay between $3 and $4 each for 20 minutes of your time. Not too bad, if you’re just lounging on the couch.

Harris Poll Online also conducts larger panels hosted locally. These usually require two to four hours of your time but can pay up to $75!

Surveys on the Go

While technically Surveys on the Go is a website, it primarily functions through an app on your phone. Nowadays, most of us are on our phones anyways! Download the app on your iOS or Android device, sign up and complete all available demographic surveys on things like news, entertainment, sports, technology, and more.

You’ll be notified when new surveys are available for you to take. Best of all? The pay ranges from 25 cents to $5 in cash for completing surveys, and it averages $1 each. When you reach $10, you can cash out through PayPal. How easy is that?!

Related: 8 Easy Ways to Make Extra Money

Like I mentioned earlier, the more surveys you complete, the bigger your paycheck will be! If you truly want to maximize your survey-taking experience, carve out a set number of hours each week to complete them. Then, watch the cash start rolling in!

Have you done online surveys for money? What experiences did you have, good or bad? Share your thoughts and experiences with other readers by posting a comment below!

-Raya
The CGS Team

Raya ReavesFounder; Financial Consultant
 

The post 5 Survey Sites to Earn Cash Quick appeared first on City Girl Savings.

Read Full Article
Visit website
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

We all know that spices can help add flavor to our meals, but do we know what they actually are? Spices are the dried form of various seeds, roots, barks, vegetables, and other plant substances. Spices are primarily used to add color, flavor and preserving power to food. There are spices that come with health boosts, too!

With that being said, it’s pretty clear that spices can offer some serious health boosts! In fact, the health benefits you can get by simply incorporating spices into your meals may blow your mind. Spices can help you recover from sickness, aid in weight loss, keep your skin healthy, prevent cancer, and so much more!

The CGS Team is sharing 6 spices that come with health boosts, so you can start upping your spice knowledge and reaping the benefits they offer. There are hundreds of spices out there, but at least this list gives you a starting point.

Cumin

Cumin seeds offer antioxidant and anti-inflammatory benefits. They are packed with perks that include increased brain power, improved eye sight, building of strong bones, and the ability to lower blood pressure. Add them to veggies before cooking to take in the flavor.

Cayenne Pepper

If you like spicy foods and flavors, then cayenne pepper is right up your alley! Not only does cayenne pepper pack a spicy punch, it helps support weight loss. One study found that adding 1 gram of red pepper to meals reduced appetite and increased fat burning in people who did not regularly eat peppers. Sign us up!

Oregano

More than just a spice added to Italian dishes, oregano helps keep you healthy. Thanks to its antiviral, antibacterial, anticancer and antibiotic properties, oregano oil is commonly used in medicine. It helps treat coughing, fever, congestion and body aches.

Black Pepper

According to Organic Facts, “black pepper is important due to its ability to reduce inflammation and excess gas, optimize gastrointestinal action, regulate enzymatic reactions, control heart rate and blood pressure, and prevent cancer due to its antioxidant capabilities.” Thankfully, it’s one of the most popular spices in the world.

Rosemary

With a lemony-pine flavor, rosemary is the perfect spice to add on chicken! It can also serve as a powerful nasal contestant. If you have allergies, give rosemary a try. It’s been proven to reduce the number of immune cells in nasal mucus.

Arrowroot

The perfect gluten-free spice, arrowroot is a starchy herb with baking abilities similar to cornstarch. It can be very soothing on the gut and helps combat IBS. If your bowels aren’t moving the way they should, add some arrowroot to your next batch of biscuits!

Related: 5 Surprising Super Foods and Why They’re Good for You

Who knew that spices came with so many benefits? They are the perfect cooking ingredient and don’t require much effort! Start incorporating herbs and spices into your meals so your body can enjoy the health boosts. Are there any spices you enjoy? What herbs do you love to cook with? Share your favorite spices in the comments section below.

-The CGS Team

 

The post 6 Spices That Come with Health Boosts appeared first on City Girl Savings.

Read Full Article
Visit website
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Here at CGS, we are all about saving that extra buck, so who says you can’t apply it to beauty too? How many times have you gotten acrylics and then decide you’re ready for something new? Whether it’s a new set, a fresh manicure or just wanting them off, a change is a change.  Paying extra money to have the nail technicians remove them can be costly at times. Read below and check out these quick and painless steps to remove acrylic nails at home.

Your key tools

The tool you’ll need in order to remove acrylic nails at home is simple. Items such as Acetone nail polish remover, nail clippers, nail buffer or nail file, tweezers, cotton balls or pads depending on your preference, aluminum foil, and lastly petroleum jelly.

Cut off the length

Depending on how new or old your set is can vary on how quick your nails will get removed. The first step in removing your acrylics is to use nail clippers to cut off the extra length to make the process smoother. The importance of clipping the extra length away is to cut as short as possible to your real nail to avoid doing extra work.

File away

The second step is to file away the top coat of nail polish. You don’t want to have to deal with the mess of color from the polish to get everywhere and cause more of a headache. Once you have filed away most of the color, apply petroleum jelly around your cuticles and nail. This helps avoid any irritation around your nails and cuticles. Once you’ve applied the petroleum jelly then soak the cotton balls/ pads in acetone nail polish remover.

Wrap it up

Next, tear a piece of aluminum foil and wrap it around your nail with the cotton ball/pad so it stays in place. Let your nails sit and soak for 10-30 minutes (it varies depending on how much acrylic was applied to the nail).

Once the time is up the acrylic nail should be soft making it easy to remove if it hasn’t been removed in the aluminum foil itself. If some of the acrylic is still on your nail use tweezers or nail clippers to pull it off gently.  If you feel resistance, do not yank, just soak it in acetone to loosen the acrylic.

Clean up

Once all of the acrylic is off of your nails, they will likely feel weak. That’s normal. Wash your hands and nails with soap to remove any excess acetone. You should consider applying a nail strengthener, like Sally Hansen’s Hard As Nails, to help rebuild your nail’s texture.

Related: 6 Hacks for Growing Stronger Nails

Those extra dollars you just saved can now go towards your savings account! Do you prefer to take your acrylics off at home or have the professionals remove them? What other tips would you recommend for removing your acrylic nails? Leave a comment below to share your tips!

-Taelor
The CGS Team

Taelor CageContent Contributor
 

The post How to Remove Acrylic Nails at Home appeared first on City Girl Savings.

Read Full Article
Visit website

Read for later

Articles marked as Favorite are saved for later viewing.
close
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Separate tags by commas
To access this feature, please upgrade your account.
Start your free month
Free Preview