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be aware of what you consume:
the energy of others: surround yourself with positive people and avoid those who drain you.
the videos you watch: select content that inspires, educates or entertains you in a healthy way.
what you read: look for reliable sources and material that enriches you intellectually.
who you follow: follow people who inspire and challenge you to grow.
what you scroll through on social media: avoid negative content and look for something that motivates you or makes you feel good.
the news: look for objective sources of information and avoid information overload.
highlights of others: compare less and celebrate more the achievements of others.
the advice you listen to: evaluate advice according to your criteria and needs.
source: @zamirasaba
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personal finance, simplified
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Honestly I've done all I could for you ladies. You can never accuse me of letting you starve.
Heres what everyone must have
IRA. Individual retirement account.
High yield savings account. Money Market funds are known to be great for this.
Emergency fund and sinking fund. High yield savings accounts like MMFs are great for this, too. You must have up to 6 months of minimal expenses covered. Calculate it & start today.
Tips;
If you're broke, save. If you're earning, invest.
Define your rich life (the I Will Teach You To Be Rich book by Ramit is great for this) and make a plan.
If the numbers you need are big (and trust me, they are. Work your emergency fund out &see) don't worry, start small. Step by step does it.
If the interest in your debt is over 7% focus on paying it off as aggresively as you can. 5% even. You have to beat inflation.
If debt interest is less than 5% monthly & investment interest is above 7% monthly, focus on investing & pay off debt slowly, you are above inflation
Don't focus too much on picking the 'right' investment. Index funds and unit trusts will do that for you, and money Market funds operate in the same financial market with slight differences, no one is better than the other. Focus on your individual relationship with the SP. Whats their customer service like? Management fee? How many fees do you incur? What's the risk potential vs your risk appetite? How long has it been in operation? The longer the better. Economy falls and rises, that's normal, don't focus on that.
Compounding is the name of the game. If you're chasing quick profits don't bother,tangible profits compound over 5 years.
IRA is non negotiable idc how old you are. IRA.
Start small. Grow overtime. Compounding is the name of the game.
It is in fact, this simple.
START HERE.
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REBRANDING YOURSELF
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COLLAB WITH THE HOTTIE????!!!!!!! @honeytonedhottie. LMAO NOT US PLANNING THIS IN LIKE DEC THEN RELEASING IN APRIL. I luv you so much ur my fav moot. moots who collab together, stay together. Check out her post on her page too, as usual, she makes the best points so y'all better listen.
Rebranding is a process in which you redefine who you are and how others perceive you. Each journey of rebranding yourself is personal and individual. When you rebrand yourself, you further align yourself with your higher you. This post is a guide to getting started on your journey!
UNDERSTAND YOUR CURRENT SELF.
So, take a step back and think about who you are as an individual right now. What are your values and beliefs? Does your external self reflect your inner self? Are you comfortable in your current environment?
These questions and more will help to see which aspects of your life you may need to redefine. See if there’s anything that doesn’t align with your higher self. 
After that, pick those aspects that need to be redefined. Why do you want to change this? How has this been impacting you internally/externally? Does this aspect stem from your environment or yourself? See why this aspect needs to be improved. 
DESIGNING YOUR BRAND
This is more of a fun step! So, using your aspects design how you want that specific thing to look and feel like. Avoid being vague or non-specific. Try to put in as much detail as you can for each aspect. 
If you’d prefer, you don’t have to use ‘aspects’ and instead use your life generally. This is your redesign, so do whatever is more comfortable and achievable for you.
ASPECTS
Health
Social life
Career
Hobbies
Family
Finance
Spirituality
Personal development (mindset, goals, improvement)
Self care
Culture
Well-being
Things to include
Achievable goals
How your environment looks like
How your daily life like
How you see yourself
What do you feel after
Why this is alignment within yourself? 
You can do this any way you want. The one I would recommend for redesigning your life would be a vision board, preferably a physical one. If you don’t want to do that, there are still a lot of options such as writing it down into a pretty poster, creating a playlist that will reflect your brand, creating a pretty list, or having sticky notes around your room as reminders. 
Be creative and detailed with this. You should spend at least an hour if not more trying to redesign your life/aspects.
CREATING GOALS
Goals are so important, especially when we are moving in a different direction than we were before. As we’ve got the current status of who we are and what we want to be, creating goals should be easy. 
Make your goals visible. Put a sticky note on your mirrors, put it as your laptop background, put a reminder on your phone, listen to a playlist that motivates you of your goals or anything else that will constantly remind you of your goals. 
Other than that, remember that goals have to be achievable, mindful, and flexible.
ESTABLISHING HABITS
Habits are so important to rebrand yourself. Habits make up your identity. The way you act, speak, and do daily, can subconsciously influence you to be someone who isn’t in alignment with your higher self.
 As much as it’s important to establish new habits that align with you, you have to root out the habits that are pushing you off track from achieving your goals. 
The good thing is that you can do both at the same time. Replace those old habits, with brand new ones. For example, when you open your phone first thing in the morning instead of opening up TikTok, get YouTube opened and start a 5-minute meditation to start your day.
However, just because a habit is beneficial for you, it doesn’t mean it is in alignment for you. For many people, they prefer to read books as a productive alternative for leisure, however, you may not be able to read a book and focus. In that case, you may want to watch an educational video instead. You’re still getting the benefits, but just in a different way. 
STEP FIVE: IMPLEMENTING YOUR BRAND DAILY
Think about all the little details of how this person would act, from morning until night. Embody their actions, words, aura, and vibes. This is when having a visual of your goals is good, so you can see what you need to do.
This includes no longer indulging in things your higher self wouldn’t do. Regardless of how much comfort, entertainment, or dopamine something gives you, you have to let it go if it is destroying your mind. 
I way I recommend implementing your brand daily by creating a daily routine that focuses on a different goal each day of the week. E.g:
Monday - Practicing being mindful (meditation, journaling, connecting with your religion)
Tuesday - Fitness (pilates, weightlifting, hot girl walks)
Wednesday - Socialising (going out to meet new people/connecting with old friends)
Thursday - Productivity (Schoolwork, studying, business, workplace tasks)
Friday - Self-care (taking a slow day however you’d like)
ta-daa!! thanks 4 reading. now go follow @honeytonedhottie 💕😍
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Marry a man who wants to be a husband, not a man who just wants a wife. Read that again.
A man who WANTS to be a husband is a man who’s willing to provide, protect, & fulfill your rights. He is READY to do whatever he can to make things work. A man who JUST wants a wife is a man who's only thinking about what YOU can do for him, & not what HE needs to do for YOU.
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Suffering is not a virtue.
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more studying, more walks, more reading, more skill-based hobbies, more experimenting w pretty fits and hairstyles, more gym, more exploring new things in general, more whole foods/healthy recipes, more financial literacy, more time management, more time off the phone, more being out the loop. nothing else matters
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5 Things Your Mother Never Told You About Men
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If he wanted to, it’ll be done by now. You’re meant to be surprised, not stressed out.
You are whom you give ass to. If you’re dealing with a man who acts like a “lil boy” then you indeed act like a little girl. The reciprocal.
He doesn’t listen to you because there is no incentive for him to do so. Whether you’re whining for a ring or for respect, you give him no reason to give you what you want because he already has what he wants: usually easy access ass or a hot plate and folded draws to come home to.
He has an agenda, they all do. A high quality man has an agenda of marrying you because he wants children. A low quality man has an agenda because he wants to take advantage of you financially. YOU MUST HAVE AN AGENDA TOO
Coochie is currency- don’t waste money: Use your holes to get what you want, but learn how to withhold xes in order to get what you want as well. In the words of someone’s granny:
COOCHIE IS SHAPED LIKE A COIN PURSE FOR A REASON!
Next Post: Dating Out of Pity or for Companionship Can Have Fatal Consequences (for You and Your Loved Ones)
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25 Laws of power for women
Conceal your goals especially the ones that are appealing. Losing weight, reinventing yourself, marrying wealthy. Instead talk about your altruistic goals - to help children, invest in education, this will chase insecure people with vile intentions.
Do not give anyone your source of power: Was is a book that changed your life? a mentor? a movie? Never give up your secret to success. If forced to do say allude to God, the universe, the a random phenomenon
Use the patriarchy to your favor; we live in a world that is, only associate with men who have power, use that power for good.
Never appear too perfect but be selectively vulnerable when needed. Only share something that you will be comfortable saying. You might say “I forget my keys all the time,” “I don’t know how to perfectly park a car “. But never disclose something you are not comfortable with just because you are afraid of being perfect.
Maintain distance in relationships. Friends are the best and you need them. But if you feel that they are becoming too dependent, see them at your own will. But also the reverse could be the case. Your friend may keep a distance, and that is the way of life. You have got to move on from it.
Develop your own style that makes you unique, beautiful, and elegant. Avoid trying to fit in the crowd of people who claim to care less about their style yet have too many opinions about other women’s style
Avoid male friends at all cost, you will have male colleagues, male bosses, male acquaintances, business partners. Keep it that way. You do not want a Truman Capote divulging your secrets to the world. Do not keep a man who does not fit your standard.
You do not have to win at every game. Pick and choose what is best for you and leave room for others. And step down if you have attained that level of success, do not let the society do it for you.
Trust people but remember that we are all humans. So trust with discretion!
Confuse people with kindness; people are not always comfortable with beautiful and intelligent women. That power is too intimidating so confuse them by being genuinely generous, curious, kind, and passionate.
Keep your strong opinions to yourself.. if you support a movement, a way of life, do so silently.
We all have dirty laundry, wash them privately, don’t expose yourself. Remain silent when people try to attack you or shame you. Whatever is not confirmed is not true. You are the only one who knows all the truth about you.
Don’t attract pity or praise: People who pity you do not help you, in fact they might think that you are weak and could mock you at their annual gossipping meeting. And if you are doing things for the sake of praise you are wasting your time.
Choose yourself all the time; never put any one’s feelings above yours.
Trust your own intuition if you feel someone is being malicious towards you, giving you back handed compliments then you should let them go
Never speak bad of another woman. Do not lazy around gossipping. Keep your hands clean and your conscience clear.
Avoid women with low self esteem they will bring you down. For some reason they do not like seeing other women who are doing better than them
Be careful who you seek validation from. Not everyone needs to be pleased. If they are in no way capable of contributing to your life in the ways you prefer, then don’t ask them for their opinions or please them.
Do not compete with other women, if you do you are only putting them on a pedestal. You are making the the standard by which you measure your progress. If you do compete, begin digging your grave.
Do not give unsolicited advice, do not share the inner workings of your mind, If your mouth is very charitable you better start journaling.
Be well-rounded and interesting. It attracts people. It also keeps you busy because you are continually improving and learning. An idle mind is an easily subdued one.
Avoid women who want to live vicariously through you; they want to know who you know, shop where you shop, befriend who you befriend, wear what you wear.
Pay attention to the source of your discomfort; get rid of them. You tell them your dreams and they remind you of all your hindrances. They ask why are you dressed so fancy as though fancy isn’t subjective. They undermine you interests and goals. They will also be quick to bring you down because they are afraid of your potential.
Do not fear power or please power. When we see powerful people we try to hard to befriend them, to be close to them but you need to be comfortable without them. Don’t push yourself in the name of friendship, do not try too hard to be in their inner circle. Your independence of mind is the most important. Instead become a powerful woman, aloof to the presence of power but aware of its importance. Be an ingenious and intelligent and use your creativity to uplift yourself. When you do so it will be hard to ignore you. Even the powerful will become an ally.
Enjoy moments of solitude. Use that time to develop yourself, improve your body, learn new skills, create with your mind, read widely, become more elegant, then launch yourself.
Remember the most powerful women are the most intelligent. Inspired by Robert Greene's 48 Laws of Power. Use at your discretion.
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Lessons from my Hypergamous Mother 💕
I've talked about my mother several times on this blog but for those who are new, she's basically the O.G. Hypergamous woman. Despite not coming from money, being black and an immigrant, she's dated men worth millions, tens of millions, and close to billions of dollars. So with that, here are some of the lessons my mother has instilled upon me since I was born about dating and life.
Wear high quality clothes that fit well.
If there's one hill my mom will die on, it's that quality> quantity. To her, one wool Ralph Lauren blazer is worth 15 polyester blazers from Zara. And honestly, you can't really fight her on it because the majority of the time, clothes that are high quality just look better. Because of this, growing up 90% of my clothes came from high-end thrift stores and estate sales and truthfully, they still do.
Men come a dime a dozen.
My mother reminds me of this fact quite literally every time the male sex is mentioned in our household. She's had her pick of some of the most powerful men in the world simply because she doesn't care about any of them. Her psyche is this: there are millions of rich, smart, loving men out there, so why the hell would you stress out about finding one?
Education is key to success.
The same can't be said in all countries, but America is one of those nations where you can come in as an immigrant with nothing, and with the right education, become a member of the top 1%. Now the meaning of education isn't binary; you don't have to have a degree from Harvard or be a Rhodes Scholar. Being educated can simply mean you have a wide scope of knowledge on a variety of topics! To my mother, if you're highly educated, you can hold your own in any crowd. 
Never give your entire heart away.
When my sister was a college freshman, she got her heart broken for the first time. While my mother was very quick to take her home and indulge her for a weekend, she was also very quick to tell her the crucial mistake she made. To quote her, "The problem isn't that you fell in love, the problem is that you gave him everything and when he left you had nothing. When you fall in love, always keep 10% of that love for yourself so that if things go south you won't be too devastated."
When you chase a man, he'll be inclined to run away.
So never, ever chase a man. Men are simple: if they want you they will do everything in their power to get you. There will never be any doubts. It's all very primal: nearly every species of male in the animal kingdom assume the role of "courting" their female counterparts. It's quite literally in their DNA. So there is never a need to go out and beg a man for his affections. In fact, doing so will almost always guarantee him running from you.
Praise don't complain.
Praise is the most effective tool for getting whatever you want from a man. NEVER complain about a mans inability to do something because he will immediately shut down and resent you. Instead, praise him endlessly when he acts well. His ego will be stroked and in return, you will have him eating out of the palm of your hand.
Elegance = Beauty.
You don't need to be quintessentially beautiful. You don't need to have a great body, you don't need to have a pretty face, you don't need any organically beautiful features. If you can put some quality time and effort into accentuating what you do have going for you and become the most refined and elegant woman in the room, you'll do very well. And elegance isn't just about being able to wear a string of pearls, it's about being confident and centered. It's about self mastery and not feeling the need to be anything but yourself.
Always keep your options open.
Ever heard the dating analogy "Just because I'm on a diet doesn't mean I can't look at the menu"? Well it's something my mom lives by. Yes, she's all for monogamy but the fact of the matter is, you have to look out for yourself first. If your beloved suddenly decides to jump ship or things don't work out, it's always good to have a backup plan. And sometimes you'll find yourself dating someone you thought was great when all of a sudden someone even better stumbles into your life. Ultimately, this is your life and your decisions will have the biggest ripple effect on you. Look out for yourself, keep your options open. Nothing is guaranteed.
There's no shame in not feeling shame.
My mother is an extremely proud woman. Nothing has or ever will get her down about herself which all roots back to her decision to not ever feel shame about who she is. Whenever you feel inclined to feel shameful or insecure, reverse the narrative. If you're the only Black woman in a board room full of white men, instead of getting shy, revel in the fact that everyone will be that much more inclined to listen to you because you stand out. When you show up late to a date, instead of apologizing to your company thank them for waiting. Quite literally force yourself to be completely neutral in all situations and never internalize anything. Shame is really a false narrative we choose to espouse and it only holds us back from our desires. The solution is simple: stop feeling shame.
Above all, you are enough.
Regardless of whether you're still a work in progress or don't have your life together at all, you are the prize and you really have to start acting like it. It's not your job to alter your entire personality for a man. It's not your job to spend all day and night getting ready for dates. It's not your job to level up only for the sake of attracting a man. This kind of behavior will only emphasize this idea that you are not good enough as you are to attract the love that you deserve. You, by virtue of having your own set of life experiences, are completely worthy. The true differentiator between successful women and unsuccessful women is mindset. I know unattractive, uneducated, and unqualified women absolutely killing it in life and it's all because they are confident as fuck and truly believe that they deserve the best. So what's stopping you from cultivating that energy right now? I promise you that if you begin to walk, talk, sleep, eat, and breathe like you are the prize, the world will begin treating you the same way.
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Lovingly,
Elle
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On # planning since some of you were curious how I plan my year, i split my goals into four- life goals, yearly goals, quarterly goals and monthly goals.
Lets take an example of : (fabricated , not my exact plans)
Life goals->
Be so rich it's offensive
Get disgustingly hot
Be disturbingly educated
Be uncomfortably accomplished in my career.
Travel so much it's obscene
(Life goals are supposed to be this vague.)
Yearly goals->
Invest at least 500k
Clear skin (face & neck area), 45- 50 kg, grow hair 5cm, healthier teeth, hair and nails
Get a promotion plus bonus
Travel to three different countries
Quarterly Goals, first quarter (Jan, Feb, Mar, Apr)
Invest 120k
Monthly dermatologist , nutritionist , OBGYN and Vitamin checks. Two visits to professional hairdresser.
Re-negotiate salary against performance (professional help with presentation)
Trip to New Zealand (one week, try and catch X on tour, low season).
Monthly goals (March)
30k in Real Estate (check in with advisor, 2)
Derm, nutr, OBGYN & blood check. Upgrade hair day. /Dentist??/ [update calendar*]
Speech coach, public speaking seminar on 5th [update calendar, pre day prep*],review quarterly performance statement.
[Free week x New Zealand] *
Do with this information what you must :)
BMAC
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" I always get what I want. "
How?
Because I believe I can have anything and I don't stress while I am waiting to receive it. I don't have negative intrusive thoughts. I do not chase it. I just expect to receive it. In my mind, it is impossible not to and a perfectly logical desire. Me having it is more logical to me than not. Nothing is impossible or out of reach. Just have to believe you deserve it and it is already yours.
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sent over by my mentor
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