Ten Super Cute Winter Items for 2020

We are already in the second month for 2020. The snow is falling and the humidity is gone. Climate change is in full effect. With winter blowing cold air and giving us freezing temperatures, one should make it a priority to bundle up. With all the layers that have to be put on, fashion must be a part of your everyday wear. Here are 10 super cute outfits that will leave you dressed to impress.

The Bank Blazer

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Are you feeling like a boss? Then have no fear, the bank blazer is here! What is lovable about this look is the fact that it is very professional looking. It will also add some warmth to your body while you feel comfy. If you want to keep it simple, just add a white T-shirt underneath.

Long Sleeve Sweater Dress

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Sweater dresses are a must-have because we all have those lazy days where we do not want to throw on a whole suit. We just want to slip into a long dress without adding too many accessories. Wear a sweater dress and some knee-high boots, to save yourself time.

High-Waist Button-Leg Pants

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Image Credit: May Kool

High waist pants are a great way to show off your figure. If they are plaid they can easily be worn with a plain turtleneck. Show off ’em legs gurl!!!

Maxi Dress

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Maxi dresses are an affordable, colorful item. It can be worn under a long coat. They are usually made out of thin materials so you can layer it with a wool sweater.

Faux Leather Wide-Leg Pants

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Image Credit: Pretty Little Thing

With wide-leg pants on you are leaving ample room for leggings to be worn underneath. Also, there will be plenty of space for knee-high socks and boots. Add a bold cheetah sweater and you will be good to go!

Puffer Jacket

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Image Credit: High Snobiety

The puffer jacket was made infamous after Drake was seen wearing it and doing the salsa to hip hop music. Very creative move on his part. Another musician that used a puffer jacket to make his song go viral was Big Shaq. The irony of his music video was the fact that on a very hot day he was seen in a heavy jacket screaming “Mans Not Hot”. On a beach. While everyone else was wearing shorts and flip flops. This jacket will increase the heat on your body for sure.

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Image Credit: Hip Hop N More

Bohemian Midi-Dress

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The bohemian look is full of multicolors that can be worn with hiking boots. These dresses are light, so make sure to wear layers.

Capes

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Are you feeling like a hero? The classical look of capes has transformed into a modern trend. It can be worn in a casual way or as eveningwear.

Shoulder Pads

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Image Credit: Tots 90s

The 1980s look is coming back because vintage is the new savior. You want to look like an office owner but don’t want to break your bank? Then buy a shoulder pad coat suit from your local thrift store.

Faux-fur

woman wearing brown fur beanies and white and balck top
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Environmental awareness is at an all-time high. With global warming causing concern for many, wearing real animal skin is no longer in demand. You can shield yourself from freezing temperatures with faux fur.

Sources:

https://www.vogue.fr/fashion/article/the-17-fashion-trends-you-need-to-know-for-fallwinter-2019-2020

https://www.cosmopolitan.com/style-beauty/fashion/g29553913/winter-work-outfits/

 

Ten Affordable Products You Can Use On 4C Hair

Are you just entering the world of natural hair? Are you worried about wearing your curls because of the maintenance involved? Once you have a clear understanding of what 4c hair is and know what products you can buy at a low cost, navigating the world of natural hair will become easier. You will learn to love your 4c hair.

Understanding 4C Hair

In the beauty world, hair types are put into categories. The sections range from Type 2 to 4. Hair type 2 is relatively straight hair. Hair type 3 consists of wavy curl patterns.Hair type 4 curls are more profound. Their distinct curls can be compared to a Z.

Within each hair type, there are subcategories. Type 4 subcategories are 4A, 4B, and 4C. Tightly coiled type 4 curls are harder to take care of because of how fragile tight curls can be. Type 4c hair is the most challenging type of hair because it is coarse, needs constant moisture, swiftly can get dry, can shrink quickly from humidity, and does not have many definitions. In this context, the term definition means varied forms of change. When you wash other types of hair with no products added, the hair might be easier to manage. When it comes to 4c hair though, hair washes alone will not take the kinks out. This type of hair also has a shrinkage of more than 75 percent. So even if your hair has grown three inches, it may only look like 1 inch of growth unless you use a stretching technique.

Hair Products That You Can Afford For Natural Hair

It is universally known that 4C hair is the most fragile so it can easily damage or break. It can be compared to a delicate vase or fine china. When you are moving and packing glass, you make sure that the glass is covered with large amounts of newspaper or tissue so that the glass does not shatter. Likewise, those of us with 4c hair that is constantly on the go must protect our delicate strands with hydration and moisture.

  1. Organic Apple Cider Vinegar With The Mother 
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    Image Credit: Amazon

    Apple Cider Vinegar is a big savior that is praised by many natural hair care bloggers. What makes it ideal is the fact that it is a safer alternative to traditional shampoos. It has no harsh chemicals and does not strip the hair of its natural curls. You have to dilute it with water before rinsing it through your hair. You can buy it from Amazon for only $8.16.

  2. Indian Healing Clay 100% Natural Bentonite Clay
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    Image Credit : Revelist

    Bentonite Clay has been raved about because it effectively removes build-up from your hair. It adds definition to your coils and can leave your hair feeling soft. It can be brought from Amazon for $10.95.

  3. Africa’s Best Hair Mayonnaise
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    Image Credit: Africa’s Best Hair

    This product sells at many beauty supply stores for about $4. It is a deep conditioner full of olive oil and egg protein. It is designed to seal in moisture and strengthen your hair.

  4. Mega Moist Conditioner
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    Image Credit : Amazon

    Priced at 4.94 at Walmart, this conditioner will protect your strands from extreme humidity. With ingredients like Australian aloe, sea kelp, and jojoba oil, detangling will be easy.

  5. African Shea Butter 100% Natural
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    Image Credit: Amazon

    Shea Butter is a great sealant for kinky hair. Some say that it is most effective when used in its raw form. If you apply it from the root to the tip while your hair is still wet it will lock in moisture. You can buy it on Amazon for $5.39.

  6. Hollywood Beauty Olive Oilolive oil A hair product that can be found in many beauty supply stores, this oil is a great scalp treatment that will not clog your pores. It can be purchased on Amazon for $9.93.
  7. Jamaican Black Castor Oil Jamaicanblack This is a must-have for 4c hair types. The texture is very dense which guarantees that your moisture will be locked in. Rubbing it regularly into your scalp promotes hair growth. You can find it on Amazon for $12.34.
  8. Keratin and Green Tea Restructurizerkeratin This product is sold at Sally Beauty for $6.69. The keratin protein stops breakage, builds body, and protects color.
  9. Creamy Oil Moisturizer Hair Lotion
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    Image Credit : Amazon

    If you want to use heat styling on your hair, this lotion can protect against the high amount of heat. It also won’t leave any sticky buildup in your hair. It can be brought from Amazon.com for only $6.37.

  10. Wild Growth Hair Oil
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    Image Credit : Facebook

    A personal favorite for many, this rich plant-based formula conditions and softens hard to manage hair. It promotes strong, thick hair growth and has many great reviews. It only costs $7.82 at Walmart.

” A black woman without her kinks is like a leopard without spots.”- Island Naturals

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The Good And The Bad: Money Habits Of Millennials

Many people perceive Millennials to be lazy, entitled, and social media savvy. But there is more to us than the stereotypes that the media portrays us to be. Although many might view as spoiled, materialistic, and self-centered, there do exist Gen M’s that are giving, minimalistic, and unselfish.

We live during times where the money that we earn is a huge factor. It determines what neighborhood we live in, the type of shoes we wear, what school we go to, and what age we retire at. Because Millennials have a unique upbringing, many are wise when it comes to their spending habits. We try to avoid the mistakes that previous generations have made. But some, unfortunately, make unwise choices when it comes to money management.

As financial reality hits my generation some wake up and contemplate more before making a purchase. Here a 6 bad/good money habits that Millennials make.

Lack Of Understanding When It Comes To The Basics Of Money

Middle school, high school, and even college do not give enough financial education when it comes to how to manage your personal finances. “It starts with a lack of education in middle school, high school and even in college,” says Greg Oray, president and investment advisor representative at Oray King Wealth Advisors in Troy, Michigan.

A global study that was created in 2017 found that 1 out of 5 teens lacked the knowledge of basic financial literacy skills. In fact, China, Belgium, and Canada were ahead of the U.S.

I know personally, I did not own a bank account until I graduated from high school. And even then, I did not know how an ATM machine actually worked. I had to ask an older friend about why credit cards and a savings account would be beneficial to me. Growing up I never received an allowance so my saving skills are very poor. Online resources like the app Mint and the government’s MyMoney.gov website can help you make shrewd decisions with your money.

Fabricating On Taxes

Though not always intentionally, some Millennials are not honest on their taxes. It is becoming more common to be a remote worker. Many young ones are turning to apps to make extra money. Some are starting their own side hustles to showcase their creativity and talent. “No one is particularly well-educated about taxes,” says William Perez, a senior tax accountant with Visor, an online tax-filing and year-round advisory service.

When you are young, you might feel invincible. You lack experience when it comes down to doing your taxes. So you might feel as though omitting some information won’t hurt. But it is imperative that you tell your tax preparer about every side-hustle that you have. “No one wants to pay more tax than they need to,” Perez says, “but no one wants to get a letter from the IRS saying they forgot to report something.”

Failing To Stick To A Budget

When you grow up in an extremely impoverished environment, you tend to pick up bad habits when it comes to spending. You are thrown into a rat race at a young age, thinking that you will evolve quickly from living paycheck to paycheck. But that is not always the case. The great poet Langston Hughes related to many when he wrote about “dreams deferred.” So many financial goals that Millennials arrange have been delayed or missed. We might reach accomplishments later in life compared to Baby Boomers.

“It feels restrictive to use a budget,” Swartz says. Swartz is a portfolio manager with BKD wealth advisors in Spring, Missouri. “The way I think about a budget is tracking where the money is going so I can make better decisions,” he says. When you keep good records of where you spend your money, you will use more meditation when trying to save.

More Investing Than Other Generations

When the Recession hit, many in their early twenties lost their jobs. It became more important to invest in stocks, bonds, and real estate properties. No one wants to be living in their parents’ basement forever. We all want a sense of independence. We all want to have financial stability. So many youths started to invest so that their money was not going into one basket. Even 9/11 caused a lot of economic fallout. With mobile and online technology having so many platforms, many are placing their money into investment apps. For example, the Robinhood app has gained a lot of popularity. I have seen young adults on Youtube claim that their savings have doubled after using the Robinhood app.

More Millennials Are Saving For Retirement

The minimalist movement is popular and so many are opting to live off the grid. I personally aspire to retire by age 40. We have seen our parents’ retirement accounts look so small even after working a 9-5 job for 60+ years. The earlier you start your retirement funds, the better. A recent study from the TransAmerica Center for Retirement Studies found that 70% of Millennials have started saving at the ripe age of 22 and roughly the same percentage of Millennials have opted-in to their 401(k) plans at work. (Source: https://investorjunkie.com/36926/millennials-money-management/).

Another way of retiring early is by having multiple streams of residual income. Through technology writers and musicians have been able to make money in their sleep. I plan to retire early through blogging, selling books and through creating music.

Choosing Alternative Workplaces

Once again technology has created a rocket that the younger generation can soar off of. No longer do you hear of people not knowing how much the next company makes. A quick search through Google will educate you on all you need to know about your wages, companies that can pay you better, and even the great alternative of freelancing. Our youth have created avenues in which they can double their income through the Internet, social media, and digital marketing. How can you go wrong when your workplace is a local bookstore? While sipping on an iced latte you converse with your clients’ via Skype. It does not get much sweeter than that.

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