December 28, 2013

**nErDy 30**

I turned the big 3-0 last month. I must say that my 29th year of life was quite an interesting one especially at the start of 2013. I was thinking wow I’d be turning 30 this year on New Year’s Day and that’s when I was like ‘Sh#t, I’d be turning 30 this year’ and started freaking out.

It started a whole journey of thinking about my life and where I was at age 30. I did a lot of self-inspection and examined a lot of relationships in my life. I called it my ‘turning 30 crisis’ and it was for me. I went through a lot emotionally in 2013. I ended some relationships, focused on the ones I thought were worth it, backed off some and started some new ones. The biggest loss was losing my grandmother in August. That was the biggest blow as she was sooooooo important to me and I loved her dearly. I also started to do better health wise also by eating better and working out. I surprised myself by reducing my meat consumption, upped my veggies/whole foods even eating veggie chunks- which if you know me that’s like cutting off my own arm with a rusty, dull knife. LOL.

I feel great though. I’m not 100% of where I want to be but I’m making progress and happy for the progress I’ve made. I’m trying to be more positive and invite more positive energy into my life ( has been a big help with this).

I basically celebrated for a month and started in Jamaica, then NYC, then Dubai then back to NYC and back home. It was either I go to Dubai or buy myself a Michele watch I had my eye on for 3 years now. I decided to go to Dubai as my gift to myself and visit a dear friend. I have another expensive watch and barely wear it due to it being so expensive (to me it’s very expensive). The Michele watch was 3-4 times more expensive than that one so I knew I’d hardly wear it.

Anyhoo, here are some pictures from my birthday celebrations. ^_^

Mommy got me balloons (NYC)

Just getting to Dubai - 12 hours on Emirates. Oy!. Really nice airline.
Dubai Marina
Alicia Keys Concert (Dubai)
Desert Safari

View from Burj Khalifa- Tallest building in the world

Birthday Dinner at Tribe South African Restaurant, Mall of Emirates, Dubai

View from the Burj Khalifa
Took a boat ride at Old Dubai

Doing shisha at Club Indulge, Atlantis, The Palm, Dubai
Indulge Dubai

Back in NYC, celebrating Christmas early with my mom & sister. Mommy knows I’m a Hello Kitty fanatic ^_^

My first Broadway show- Chicago

Time Square on my birthday went for dinner at Blue Marina Grill at Union Square

Really yummy food at Blue Marina Grill.
Hair was taking too long to grow back and lots of damage from colouring etc so you know what.....

Finished product- Big Chop o_0
Love my short hair. I think shorter hair is less stress than longer hair. ^_^
Dinner at OPA Greek Restaurant (Jamaica)
Dinner at OPA Greek Restaurant (Jamaica)

Dinner at OPA Greek Restaurant (Jamaica)


December 26, 2013

Pearls & Navy

There's nothing like throwing on some pearls to class up an outfit. Lace is also such a lady-like detail.

For this outfit I paired my navy jacket with a lace skirt and added some pearls to feel more dressed up for work.

Jacket- Seamstress (old)
Inner Blouse- Rainbow (US$5)
Skirt- Got this at Burlington Coat Factory, sale (US$19.99)
Shoes- Nine West, sale TJ Maxx (US$27 )

December 23, 2013

Finances- start now & every little counts

I am not wealthy by monetary terms but I meet my obligations somehow. I think I’m good with money but we can always be better. I have made do with what I have. I have not always earned much as I would like to but I’ve made it work. I’m not in debt and I am looking at how I’m going to really plan for retirement & start some serious savings now that I’m 30.
I’ve always had the entrepreneurial bug. In high school I started selling little potpourri & scented candle packages, then in college beaded jewellery to make a little pocket money. Being raised by a single parent, I never ever did like to pressure my father for money. I tried to hustle and saved as much of my lunch money as I could. My father used to call me the “Black Jew”. ^_^.
My love for money and to learn how to make money make money helped me choose my major in college to do Finance. I originally signed up for Accounting but changed to Finance. It just fascinates me. I’ve been working in the financial industry from high school as most of my summer jobs were at a financial institution. Now I am the Treasury Manager at an investment company.

I thought I’d share a bit with you all:
·         Start now!
Don’t worry that you’re too old or you should have started sooner, the point is to START. Start small if you think you can’t do the recommended 10% -20%monthly of your salary. What you could do is to increase the pension contribution at your company, that way it comes out before it’s taxed and you can’t touch it unless you leave before the vested period.
 If you have a means of making extra money, try and use that to save.
One important note is that if you do have debt, focus on reducing the debt as the return on your savings/investment may be less than the interest rate charged.
Start by even saving just your lose change and get a piggy bank. It will add up.

·         Track your expenses

This is a very important step. Most of us know how much we earn, but do we really know how much we spend especially on little things and certain categories of expenses such as utilities and groceries. If we have nothing left in our account by the end of the month, then yes we do know we spent everything. It’s amazing sometimes when I add up everything for some things how much I really spend.

You can write it down or use a spreadsheet; or use the memo pad or an app on your phone. Track every single thing- if you tipped someone, if you gave the beggar on the road some money, MAKE NOTE OF IT!!!!!.

It’s in examining our spending habits that we can see where we can make cuts and save more especially if you can’t earn more. I also have a spreadsheet to have a visual of my major and recurring expenses so that it isn’t a surprise and you can make adjustments. For instance, I have my car insurance yearly in March; I have parties I want to go to in June-July & December, lots of birthday dinners & gifts to get in October, my own birthday in November, Christmas gifts in December & my mother’s birthday in July. I can see that some months are heavier than others and some lighter. In the lighter months I try to save up for the months that are heavier.

I cannot stress how important this is. To really see trends, I’d recommend doing tracking strictly for 3 months. I’ve been doing this for years and find it’s quite

·         Budgeting

After you track your expenses for a while you will see how much on average you spend on groceries, for instance, and budget that amount monthly. Then categorize your expenses and budget accordingly. You can examine ways to cut back or reduce your bills. For instance, to reduce your electric bill you can plug things out when they are not in use or use energy saving bulbs. To reduce your grocery bill, you could buy in bulk with a friend or use coupons. Try googling ways to save money and also how make money online for instance.

I will stop here and post another time about investing and other money matters. I don’t want to overwhelm you as I could go on and on. ^_^.


Here are a few articles I’d like to share for further reading:

December 13, 2013

Leggings: friend or foe?

I am ‘bottom heavy’ to say the least, so when the leggings trend hit the fashion world I wasn’t too keen on them. Not to mention the printed ones. Leggings really though is just long tights- as with many things in fashion, it's just a twist on a previous trend. I am pretty wide and didn’t think I leggings were for me as I don’t like clothes that are that fitted and accentuate all my curves and I mean all of them.
I did buy the plain ones and felt comfortable wearing them with long tops that cover my butt at least. Like Kourtney Kardashian, I have to “CTC” (Cover the Camel). I don’t want to look like the Prancerise Lady with a huge camel toe.
It took me a while to be brave enough to wear leggings not to mention wearing printed ones. I loved the tribal prints and kept seeing girls wearing them and after a while I bought one. I went to AGACI in Sawgrass Mills and the store clerk had on a pair. My mother suggested that I get one too as she looked good in it & they were sold in the store (there is something to store employees wearing clothes sold at the store- living mannequins). First off I was like, I’m bigger than her, it might not look so cute on me but she insisted and even bought a pair for herself. To my surprise they actually stretched enough to fit -thank God for stretch material, as they also help to keep everything in check ;).
The moral of the story is don’t wear something because it’s the thing to wear now but wear what you are comfortable in. On the other hand, sometimes we have to go a little outside of our comfort zone.
Well I kind of was still in my comfort zone as I wore a long top ^_^.

Conclusion: Leggings are a friend if you are comfortable in them.
Wore this to a Retro party YUSH 2012. Thought I looked the part, kind of a 80s Dancehall look.

Boots- Nine West
Leggigs- AGACI
Top-Old Navy
Clutch- ASOS
Accessories- Charlotte Russe (necklace) & Manhattan Jewelry Wholesales