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Everyday Life

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Everyday Life

Coping with Life During the Rona

Coronavirus has no race.

So this is my fourth week working from home. For many Nashvillians, they did not see this coming the way that I did because my entire family is in California. Most of them in Oakland experienced a Shelter-In-Place before any other area had even heard of it. I knew what was on the horizon but like many of us, I was not prepared for what was coming the next few weeks, and it is taking a toll on me mentally. Oh, and all the eating is trying to take a toll on me physically lol. All, and all, I was desperate to find something to make my life feel normal again.. well as normal as it could feel. After a week or so at home, I started to experience chest pain; it felt like someone had kicked me with two feet in my chest. Now, I didn’t have any restricted…

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Everyday Life

Easter Lily Plant Bio

What is an Easter Lily? The Easter lily (Lilium longiflorum) is a perennial bulb with large, white, trumpet-shaped flowers and wonderful fragrance. Often known as the trumpet lily among gardeners, this plant is called the Easter lily in its role as a traditional Easter-time treat. Roughly 95 percent of the 11.5 million Eater Lilies sold each year are grown by one of a handful of growers located along the border of California and Oregon, an area labeled the “Easter Lily Capital of the World.” – Marie Iannotti at The Spruce What do Easter Lillies look like? Easter lilies have beautiful white flowers that look like the speaker on an old crank tune record player or as most people see them trumpets. Some call these particular lilies, trumpet lilies. The insides of the Easter Lily are yellowish and their stamens are golden. Typically, the plants will have two to six of the flowers with…

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Everyday Life

Top Personal Finance Apps

It’s 2020 and despite what our parents think apps can be beneficial and helpful in reaching your personal finance goals. We are no longer living in the days of putting money in envelopes under our mattress but are focusing on ways to automate our personal financial growth. We are using things that make reviewing and adjusting our personal finances on the go easy as blinking your eyes. This new age approach to personal finance is the wave and I want to help you know what works best through personal experience. Top 5 Personal Finance Apps My absolute favorite app!!! Digit, you can read my post about it here. In one sentence, Digit has a dope algorythm to see’s how you spend, takes money you wont notice and places that money in a FDIC insured account. Get $5 on me when you sign up here. Many of…

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Everyday Life

3 Credit Cards with Guaranteed Approval

Whether you have bad credit or no credit, having a credit card is a vital part of having good credit. For me, I am working on increasing my score and I need a credit card. I haven’t had a credit card in years and I do not have many things on my credit report. I need to diversify my credit report. If you are in my shoes where you need to beef up your credit report, responsibly using a credit card is the perfect way. Let’s talk about the facts. Secured Credit Card Unsecured Credit Card When you are building your credit a secured card is a great way to do it. It is not glamorous nor does it come with all the cute credit card perks but it will get you there. So what are my options? In this order: Discover It – Secured Credit Card Open Sky -…

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Everyday Life

Digit App, Save Money Easy

Save Money the Easy Way, Don’t Lift a Finger with Digit One of my all time favorite money apps is Digit. Digit has a dope algorithm that monitors your spending and takes money you wouldn’t notice and places it in a FDIC insured account. So basically, you are saving without actually having to save. HOW DOPE!! Additionally, Digit tells you exactly how much you have in your linked account everyday for me it’s around 9 a.m. You hardly ever have to log into the app as Digit can communicate to you thru text. Right now, I dont have the Digit app on my phone. You can sign up and communicate with Digit via text. You can simply send a text with key words or emojis. For instance, if you send the umbrella with raindrops emoji, it will tell you how much you have saved in your Digit account. I put…

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Everyday Life

Budgeting, The Easy Way

Budgeting Tips for Beginners Most of us want to budget but budgeting seems complicated and time consuming. I even found myself looking for apps to make it simple but could never find the perfect app. With most apps you have to link your bank account and put a lot of energy into categorizing purchases to find out how much you spend where to adjust your life in a particular area. That seemed to be more time consuming than just figuring it out on my own. I took some time out and said to myself how can i make this easy enough for me to actually want to do it but accurate. First thing I decided to do was to break my income into three accounts; bills, saving, and spending. Then I had to figure out how much I needed to put into each account. So boom, I needed to know…

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Everyday Life

Validate Your Debt Before Paying

It’s the new year and I know many people try to start the new year with a good financial plan. I know paying off your debt could be in your plan to reach your goals but you should validate your debt before paying the debt. Send the letter below via certified mail, which will notify you that the letter was received, to the debt collector. They have 30 days with a 15 day cushion to respond, if they do not, use the certified receipt to dispute the debt on your credit report. If they respond and they cannot validate the debt, use that letter to dispute the debt on your credit report. If they happen to respond validating the debt, you should then start with negotiating payment arrangements. Name Street Address City, State Zip Code Collection Company Name Street Address City, State Zip Code Phone RE: Validation of Debt Letter…

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Everyday Life

Should I Get A Roommate???

So, here you are in all your budgeting glory getting your adulting on but you realize there is still room to save more money to put towards your financial goals. Typically you would think this is a easy fix, save the money and do what you have to do, right? Yes, until you realize what you would have to give up to save that money… YOUR SPACE! This is my current dilemma, do I want a roommate or not. Here I am in a place where I am saving more money because I have paid something’s off but I am like hmmm, I can save more. Rent is sky rocketing every where, in Nashville cost of living went up 54.1% from 2000 to 2015. At this point I am considering getting a roommate because I can save some extra money, right? Yeah but is what I am going to save…

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Everyday Life

How To Dispose of Medication Bottles

This post will be very brief as there is not any long drawn out explanation of what you should do. I will start by explaining why it is important. First, people are crazy these days, you don’t know if you have anyone going through your trash. You don’t want someone to know what medications you are taking because it will be easy to figure out why you are taking them. Also, your personal information is on that bottle and people could use that information for various uses. The main idea is to remove the label or mark the information out. Check out these ideas: These are some of the simple ways to dispose of the bottles. Two steps: Remove/Mark Out the label, throw or reuse the bottle. Listening to Solange “Cranes in the Sky” on Spotify

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Everyday Life

Samsung Pay – My New Fav

black and white iphone case

Here recently I decided to sign up for Samsung Pay. I am personally super excited about using it. I’m going to outline the things I like and the things I do not like but as of right now, 2 weeks into using the app, I love it. Also, I’ve read reviews on other apps and this is why I made the choice to try Samsung Pay over any other mobile payment system such as Apple Pay, Android Pay and Google Pay. Although, I haven’t tried any of the others, the biggest different between them and Samsung Pay made the call for me. Later, I will show you how to set up the app. I want to get this out of the way, so that you do not read this and it does not work on your device. Samsung Pay only works on Galaxy S7, S7 Edge, S6 Edge+, S6, S6…

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