Fashion for Haiti

All net proceeds benefit the Clinton Bush Haiti Fund

Forget about the “We are the World” remake, how do you feel about this? The Council of Fashion Designers of America (CFDA) has named Beyoncé as the official face of their limited-edition “Fashion For Haiti” T-shirt. Tee’s for charity has always been a fashionable contribution and the CDA previously raised over $2M following 9/11 for the Twin Towers Fund and their “Fashion for America” t-shirt. One of my fav e-boutiques, RueLaLa is selling them for another 1 Day, 02:27:04 sec. All net proceeds will be donated to the Clinton Bush Haiti Fund.

Remember when I told you to have faith in your money and donate it, well now you can have faith in your style (or Beyonce’s) and support the people of Haiti by making another donation.

Who else is selling the shirt?

Stay focused and find it here in one of these stores:

3.1 Phillip Lim  //  Academy of Art University Gallery Store  //  Adam  //  Alice + Olivia  //  Alligator Purse  //  Ankasa //  Anna Sui  //  Araks  //  Barneys  //  BCBG Max Azria  //  Bergdorf Goodman  //  Betsey Johnson  //  Billy Reid  //  Bloomingdale’s //  Botkier //  Buckler  //  Burberry // Calvin Klein Collection  //  Calvin Klein.com  // Catherine Malandrino  //  Carolina Herrera  //  Coach //  Charles Nolan  //  Chrome Hearts  //  Cole Haan  //  Colette // Cynthia Rowley  //  Deborah Marquit  //  Dennis Basso  //  Derek Lam  //  Devi Kroell  //  Diane von Furstenberg // DKNY // DKNY.com // Donna Karan International  //  Elie Tahari  // Foley + Corinna  //  General Nutrition Corporation  //  Generra  //  Gilt Groupe  //  Giuseppe Zanotti Design  //  Helmut Lang  //  Henri Bendel  //  Intermix  //  J. Crew   //  J. Mendel  //  James Perse  //  Jeffrey New York  //  Jill Platner  //  Jill Stuart  //  John Bartlett  //  Kate Spade New York  //  Kenneth Cole  //  Links of London  //  Lisa Perry Style  //  Loomstate // Lord & Taylor  //  Lorraine Schwartz // Lyn Devon  //  Macy’s  //  Madewell  //  Malia Mills  //  Manolo Blahnik  //  Michael Kors  //  Mimi So  //  Missoni  //  Moda Pittsburgh  //  Nanette Lepore  //  Neiman Marcus //  NeimanMarcus.com //  Nordstrom //  Norma Kamali  //  Odin New York  //  Oscar de la Renta  //  Philanthropist  //  Polo Ralph Lauren Retail  //  QVC // RachelRoy.com //  Rag & Bone  //  Ralphlauren.com  //  Rebecca Taylor  //  Robert Lee Morri  //  Rock & Republic  //  Rogan // Rue La La //  Rugby.com  //  Saks Fifth Avenue  //  Saks.com  // Scoop NYC  // Selima Optique // Shelly Steffee //  Sigerson Morrison  //  Slow and Steady Wins the Race  //  Style Shop at FIT  // Stuart Weitzman  //  Swarovski  // Swarovski Crystallized //  Talbots  //  Ten Thousand Things  //  Theory //  Theory Japan  //  Thom Brown  //  Tommy Hilfiger Stores  // Topshop //  Tory Burch  //  Tracy Reese  //  Trina Turk  //  Uniqlo  //  Vera Wang  //  Vivienne Tam  //  Yigal Azrouel  //  Zappos.com //  Zero + Maria Cornejo  //  Zoe //

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This month was made for a challenge – or two!

See, there are some challenges I’ll gladly sign up for. And others, I’d stay clear of. For example, J-Money at Budgets are Sexy proposed the Millionaires Club. This challenge comes as a great time for me as I just recently revisited my lifetime goal to become the first millionaire in my family. I created one ‘medium sized’ mini goal and that is …..

to be able to NOT have a full time job by the time I am thirty

In other words, I would like to have enough passive income, income that I do not need to get out of bed to earn, to cover household expenses, eating, and a basic quality of life. If I need a part time job, that’s ok. But no 9AM – 5PM here for me (or there for me in the future).

I need a plan, man!

I basically have six years to achieve my goal but need to figure out how to do it now. Any suggestions? One thing I know for sure is that working for the ‘man’ until I’m sixty is definitely out! This just isn’t for me. Boss man if you’re reading, I’m very thankful for my job but I know that I will not be fulfilled in working at a position in which the end all is just a check.

A more fulfilling position is one in which I am of course the Queen B of all matters.  But I’m apparently a little A.D.D. when it comes to entrepreneurial endeavors and have objectively noticed that my true passion has not been discovered. For years I’ve been accumulating tools and various resources and through this process I thought my passion would be revealed. Yet it lies dormant within. Miss New Money is a constant work in progress and one activity that I enjoy doing. However, in its current state, I ain’t quitting no job anytime soon.

The Millionaire Real Estate Investor

Then there’s real estate. I told you that I am currently in the process of buying a new home, one that I will live in for a little while at a significant decrease to my current monthly costs.  In saving for this home, I have created Challenge #2….

to save 1/2 of all monthly income

Last month’s budgeting resulted in a hefty surplus. This got me to thinking that saving more of my take home pay every month is in fact highly doable and therefore I will have enough money to cover the costs of purchasing a home (and by my deadline too.) if I saved at most half of my monthly pay.  This is good news as this house has a much greater purpose: it will serve as the all important first property that kicks off my rental property portfolio. Now from there, it’s all about momentum. I’d like to continue to purchase and continue to collect rental income AKA passive income. You see how we brought it full circle!

In six years, I’d need enough money generated to live a life; maybe not one of luxury just yet, but one that covers all of my life’s expenses and frees up my time. Time can be worth more than gold, ya know. With this time I will develop The Almighty’, the master plan to earn me my luxurious lifestyle; my purpose filled, life’s work; what will carry me into old age and through the gates of heaven; what will drive me to wake each morning and to stress about each night: My very own business.

As for a challenge I will not be participating in, “SS4BC” over at Small Steps for Big Change proposes “345 Days of No Eating Out”. I love to eat out! Love it! And while I have cut back on going out to dinner, it is still something that I love to do and am not willing to completely give up on. This would make me miserable and only lead to a binge – make that binges: eating out binge (which does more harm than good) and  a buying binge….no good. With challenges, it needs to have some hint of ‘doability’ (ok-now I might be pushing it with the English vernacular).

What personal challenges have you created for yourself? Were you able to overcome?

I was good. Super good.

I was super good on a budget this past month. Super good.  My budget and calculations must have been off BUT (here comes the bright side) I was able to save an extra …….drum roll please…..$700 this month! Check me out! I did this all without willingly wanting to do this!

After my tough Christmas battle with the C3’s and the defeat of being C3 debt free , I must have went into shock. It’s all a blur now but I’ll do my best to remember. How does one go from a zero balance to a positive $1,890.32?? Santa and his stupid little reindeer’s, my beautiful niece and her cuteness (damn you), my desire to please, Oscar de la Renta for Mom (“who’s that?”), custom framed picture of the same beautiful niece (two times) and the list continues a Wii bit.

Being offered a full time position at the top of the month didn’t help either. Once I saw that card balance I had to kick myself and buckle down. It turned out to be a few simple techniques that combined to a whopping $700 bucks!

I stopped visiting my favorite boutique websites every day at 11:00AM (now I can make those meetings), catalogues were immediately thrown in the trash (that one wasn’t actually too hard seeing as how they send four at a time), I even started cooking.

I loved to eat out simply because it was convenient. But seeing as how my boyfriend and I started visiting really good restaurants (and watching the cooking network) we began to appreciate the taste of “true cuisine”. Anything else would be unsatisfying. So with the maturity of our taste buds (“we’re so proud of you”) came a decrease in eating outside of the home.

That meant that the food inside the house had to be bangin’! So I began cooking and let me tell you— I may have food a new passion.

So how does all of this add up to saving 700 bucks?

Well:

$ I began bringing left over dinners to work as lunch

$ And I started making food that was good enough to bring to work

$ Before I needed to go food shopping I would make a list of all the meals I wanted to have over the next few days and then write down what I needed

$ I already decided how much I wanted to spend before hand in my payday budgeting

$ I also came up with the idea of adding up the items placed into the cart.

I know, it may sound boring and yes you may look sort of grandma-ish but hey Nana was on to something.

Compared to most  end of the months, I have so much excess that I’m trying to remember if I agreed to let some guy in Nigeria deposit checks into my account (“let me think…“).

The true test is whether I can do it again this month. Oh! I haven’t told you about my crazy idea for this month. More on Friday but let’s just say that this miracle occurring in January gave me hope that I can pull of something bigger in February.

Do you think these techniques would help you and your financial situation?

If I Was A Rich Girl: Letters to (Borrowed) Money

The first week of every month ” If I was a Rich Girl: A Letter to Money ” takes an intimate look at the true desires and drive behind ones personal money-making quest. The ‘need’ to accumulate New Money varies from person to person. Tell New Money what you would do if you were a Rich Girl.

Dear New Borrowed Money,

Looks like you’re going to be around for a while:

  1. I graduated school with over $120K in debt which I accumulated over four years of undergraduate schooling.
  2. After graduation and on the high hopes of a new job, I bought a car AKA took out a car loan for another $20K.
  3. I misspoke earlier when I said the money was spent on schooling- it was also spent on living as I used the surplus student loan money to pay for the costs of living partying.
  4. Currently attending Graduate School as  part of a tuition reimbursement program (thank the Lord) but there’s always the costs of textbooks…

You do the math – as it is too depressing to continue to tally my debt. I can’t be too upset though. The borrowed money helped me pay for school, pay for living while in school and afforded me a better opportunity to live cheaply. Kind of an oxymoron, I know, but buying a car allowed me to move outside of the city, rent a cheaper apartment and still get to work.

Without the money, I would not have been able to go to school – let alone stay in school. While there I had to change my schedule in order to finish in four years instead of what I had originally planned, five years. Things got expensive and I couldn’t afford to drag it out another year. Borrowing money allowed me to earn a degree and move on to greater things. I hope for greater things.

Did it suck accumulating all of that debt? Sure. And it felt good when I could buy new outfits and food (I rarely cooked) and shoes (oh the shoes) too. Ultimately, I loved be being able to take care of myself. I had haters too! People who saw me dressed in style and driving around in my new car envied me. But I’d wonder if they envied the $200K price tag too.

I didn’t work so I could focus on school (another benefit of the money). That meant I had a lot of free time that I used to make personal connections and get involved with school. I even served as President of a school organization for a few years.

I’m a little smarter now as I approach graduate school. I’m looking to enter a more fulfilling position, though this field is unanimously associated with being broke. I’m fine with that. As long as I can be passionate about my day job. The financial management tools will still be necessary but in ten years my loans will be forgiven, and the car should be paid off. I’ll enter my new career making an average living but with little debt. Maybe home ownership is in the stars for me.

I also went on a spiritual journey; one in which I lost a lot of bad habits and reconnected with the Lord. I had a rather empty life – and no I didn’t fill the space with $200K worth of stuff but I “emptied” that stored thought process that got me into this situation. I am happy now – loans are in deferment, job is great and I’m seeing someone now who keeps me grounded. I feel blessed, once again. I pray for health and for mental clarity. This allows me to make smart choices or more informed decisions regarding money. It is quite liberating when you’ve got a grasp on everything. Go figure!

Define it as you wish. Value it as you see fit.

If I Was a Rich Girl: A Letter to Money.

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