Financial Hacks For Surviving Being A Young Adult

Being a grown up comes with a few good perks and a lot of responsibilities. You have to ensure that you are working toward a goal that is clear and break down your financial plan to small steps. No matter if you are thinking about saving up for a deposit, building a business, or improving your job situation, you will never succeed without a plan and some professional advice.

Be Responsible

If you want to grow up and have the financial freedom of adults, you might want to change your attitude toward money and become more responsible. You need to understand that every financial decision you make has a positive or negative impact on your future life, so doing your research and considering your choices before signing the dotted line is a must. You cannot blame the bank for getting you into trouble, if you didn’t hold up your end of the bargains. You have to know the rules and play by them.

Plan Long Term


Image via PxHere

Young people often have a bad habit of living ne month to the next or one day at a time. If you would like to have a house and provide for your family, have holidays, and make the most out of your life, you certainly have to think decades down the line. You might be Ok living on your own today on the income you have at the moment. However, once you need more stability and a better car to drive to work, you will need to change your attitude and move the goalpost.

Get Your Foot on the Property Ladder

One of the greatest challenges today’s young adults face is getting on the property ladder. You will not only need to save up the deposit, but also have to get a secure job, enough income, not to mention that your credit rating can still let you down. It is important that you are realistic about which homes you can afford and think about the return on your investment before you buy a home. While it is hard to predict future property trends, you can create a future budget that will help you manage your finances and

Job Security

Before you can make any larger financial decision, you will have to think long and hard about your job security. Many people get into money trouble because they suddenly lose their job and have no alternatives. While there are no jobs out there that are absolutely safe, it always helps if you pick up new skills and qualifications, so it is easier for you to find another position within a short period of time. Today, people don’t stop learning in their teens or 20s.

Grab That Promotion with Both Hands

In case you have worked hard at college or university to get qualified, you will need to make the most out of the career opportunities. If you are not driven when it comes to your career, you will find it hard to focus on your saving and financial goals. You might think that putting in the long hours now will not pay off and you would rather do something else, you might get promoted much faster if you show that you are motivated enough to get things done.

Look Out for Opportunities

Smart people are actively seeking opportunities, instead of waiting for them to knock on the door. If you want to make the most out of your life, you will need to look for ways of improving your life, your skills, and your future. It might involve taking some risks that most people are not prepared to take. If you find a gap in the market, you might want to start a business from scratch, gradually building it up. Alternatively, you can work on a part time gig that will help you cover your living costs later on.

 

Image via Flickr

Have a Saving Goal

If there is one thing you can do to change your financial future, it is having a saving goal. From an early age, you should develop an attitude toward money to save up for larger purchases and reward yourself every now and then, instead of relying on credit and family members. Having a nice car or renovating your home feels much better if you know that it is all paid for, and you don’t have to carry on paying the money and interest back for many years to come, tying up your income.

Know Your Financial Products

Financial education should be a part of school curriculum, many experts argue. While learning about money, loans, and savings at an early age might be useful, you will only start becoming better and understanding the money concept once you have an income you need to budget with. When it comes to finding the best credit cards, you need to know where to start looking.  When you start your independent life, you should always ask for help and advice from older friends and relatives, so you can avoid the common mistakes many people make.

 

Image via PxHere

Start Your Retirement Savings Early

It is never too early to start saving up for your retirement. Even if you just put 20 dollars aside every month and skip a night out with your friends, you can grow your money significantly in the next few decades. Making the right decisions when it comes to investments and when to take risks when saving up for your retirement is equally important, if you want to achieve financial independence. What would happen if you had to work longer than you wanted, or you wanted to relocate to have the lifestyle you always wanted after you stopped working?

When it comes to being responsible for your life, managing your money is an essential skill. It is crucial that you pay attention to the long term goals and the trends, get a good return on your investment, and secure your future. Learn as much about financial products and investments to make the most out of your opportunities.

 

Image via AARP

It is never too early to start saving up for your retirement. Even if you just put 20 dollars aside every month and skip a night out with your friends, you can grow your money significantly in the next few decades. Making the right decisions when it comes to investments and when to take risks when saving up for your retirement is equally important, if you want to achieve financial independence. What would happen if you had to work longer than you wanted, or you wanted to relocate to have the lifestyle you always wanted after you stopped working?

When it comes to being responsible for your life, managing your money is an essential skill. It is crucial that you pay attention to the long term goals and the trends, get a good return on your investment, and secure your future. Learn as much about financial products and investments to make the most out of your opportunities.



Sephora Haul ft Ole Henriksen, Fenty Beauty, etc + New Year Goals


What's up! I hope everyone has had a great start to the year so far. I can't believe we are only a couple of hours shy of the 2nd month of the year. Anyway, a little late, but before I dive into the purpose of today's post, I want to briefly make reference to a post I did at the beginning of last year (here). It was about my goals for 2018 and what I wanted to achieve,Which I will highlight below:

Some of my goals for 2018 are :
1. Landing a much better job = more money :-)
2. Seeing my blog grow and hopefully turn into a job (because I do enjoy writing content).
3.Improving myself daily, and being authentically me no matter what it costs.
4. Have my modeling career get even bigger.
5. Work out more and reach better fitness goals (think Jasmine Tookes body).
6. Take much better care of my skin.


Looking back in hindsight, I am startled that I achieved 90% of everything on that list,  except for #2, and more (like starting #AprilLashes). Just goes to show that setting goals and believing in your self and God goes a very long way. That being said, it is only right to make a list for this year so here goes.


Some of my goals for 2019 are :
1. See April Lashes get bigger and better 
2. See my blog and youtube channel grow and hopefully turn into a job. 
3.Improving myself daily, and being authentically me no matter what it costs.
4. Have my modeling career get even bigger.
5. Work out more and reach better fitness goals (think Jasmine Tookes body).
6. Take much better care of my skin.
7. Purchase a new vehicle
8. Travel more

What are some of your goals for 2019?

As you can see one of my goals for this year is to continue to take much better care of my skin, and even though I did that last year, I am going to give it my 110% effort this year by investing in really good products. Also I mentioned that I now have a job that I love working as a Chemist.  I love it because it has allowed me to be more aware of harmful chemicals that we unintentionally apply to our skin, therefore has increased my urge to do better research when choosing any skin care products.

OLE HENRIKSEN


I discovered Ole Henriksen while doing a series of You-tube searches on skin care, and I saw nothing but positive reviews. I did my research on all of the ingredients and viola, I was sold. I decided to get the cleanser and facial scrub, which I talk about more in detail on my YT channel here. So far I have been loving both products and I am now looking to get the newly released dark -spot remover toner.


FRESH LOTUS YOUTH PRESERVE MOISTURIZER


 Having gone through a  series of moisturizers, I started to believe I was never going to find one that worked on my skin. I have a combination skin but I am oily on my forehead and T-zone and it has been a nightmare finding the perfect moisturizer that didn't make me even more oily in those areas since moisturizers come with some type of humectant (e.g. Glycerin) that helps lock in moisture in the skin. The fresh lotus moisturizer is the only one that has come close to helping me maintain soft and supple glowy skin without making me look like I just ran 400m race.

FENTY BEAUTY CONCEALER

Talk about peer pressure. I could't help but drop some coins on the newly released Fenty Beauty concealer in the shade #420. From a chemist's corner, this product is definitely worth the hype. I am so in love. The consistency, formulation and feel on the skin speaks for itself. I have not stopped reaching for it since I purchased it. RiRi and her team definitely outdid themselves on this one. Ok I say no more, go purchase this and see for yourself. 


Finally, check out my YouTube channel here to see my review on other products I purchased from Sephora, as well as an in depth review on these products.

What are some of your favorite skincare products?

Overcoming Self-Doubt And Realizing Your Worth

Feeling good about yourself is easier said than done. But the important thing to remember is that everybody experiences moments of self-doubt. You shouldn’t compare yourself to others and wish you could be as strong and self-assured as they are. In reality, building confidence is a case of faking it until you make it. You’ll increase your self-esteem if you compliment yourself in the mirror, take better care of yourself, and associate with the right kind of people. These are just a few examples. Let’s talk in more depth about overcoming self-doubt and realizing your worth.





Improve your lifestyle.
The first step to overcoming self-doubt and realizing your worth is to simply look after yourself. Often, a negative outlook on life leads to poor health or poor health leads to that outlook in the first place. Either way, it’s a self-serving negative cycle. If you want to look and feel better in life then you should improve your lifestyle. For instance, getting 8 hours of sleep every night could make a difference. It’ll improve your mental health, so your mindset might change. It’ll also improve your physical health, so your skin might start to glow a little more and your metabolism might work a little faster. You’d be surprised by the impact of a good night’s rest. Additionally, you should focus on exercising to not only control your waistline but also keep your heart and mind healthy. If you feel self-conscious about going to the gym or the park to exercise because of your current weight then you might want to consider your options. You could check out this liposuction video. It might be the right option for you if you don’t have the confidence to get started.

Spend time with loved ones.
A big part of overcoming self-doubt and realizing your worth is surrounding yourself with the right people. That doesn’t mean you need to seek external validation in order to feel good about yourself; it just means that positivity is a cycle in the same way that negativity is a cycle. If you surround yourself with people who only strive to bring you down then you’re going to struggle to realize your worth. Even the most confident person is affected, to some extent, by the things that other people say and do. But if you spend time with loved ones then your mindset will greatly improve. Our worldview is influenced by our family and friends. Your worldview influences them too. It’s about having that strong support network of close people in your life. We all need people on whom we can rely, and we all need to provide that same support for people who need it. In turn, you’ll overcome your self-doubt and realize your worth.




Focus on fashion.
Obviously, fashion isn’t the most important thing in the world, but it’s a key part of loving your own appearance. Humans come in many shapes and sizes, but it’s the clothes we wear and the way in which we present ourselves that plays a big part in our overall appearance. This sounds as if it should be self-evident, but many people shy away from the things they really want to wear because they feel self-conscious about their natural appearance. The key to fashion, however, is wearing outfits that flatter your body.

Rather than wearing a baggy shapeless dress, for example, you could put on a belt to draw it into your figure and accentuate your natural beauty. You could try wearing slimmer jeans that fit your curves in a more shapely manner. Once you start feeling confident in the clothes you wear, you’ll feel confident about the person staring back at you in the mirror. Obviously, the clothes that feel comfortable will differ from person to person, but the important thing is that you dress nicely and feel comfortable about your presentation.

Accept mistakes and move on.
Everybody makes mistakes. It’s been said countless times by countless numbers of people, but that’s because it’s true. The key to overcoming self-doubt and realizing your worth is embracing your imperfections. You shouldn’t quit even if you’ve failed at something several times. Perseverance is the key to becoming better at anything and growing as a human being. If you shy away from challenges then you’re going to confirm your negative bias.

For example, if you can’t play guitar then you’re not going to learn by avoiding it. It’s easy to look at other successful people and imagine that everything they touch turns to gold, but they had to go through their own process of discovery and learning. They’ll have made numerous mistakes throughout their lives, and they’ll continue to do so. If you want to start loving yourself and realizing your potential then you need to be brave enough to accept mistakes and move on. You need to cherish every failure as part of the learning curve that is life.


American vs African (Nigerian) MUKBANG!


Happy New year guys! Thanks for over 200+ subscribers on my Youtube channel and your overwhelming support on this blog. I hope everyone had a great holiday
Cheers to a bigger and better 2019.

In the video below, I wanted to share with you guys a bit more of my culture through our food, and what's more fun than doing it with your friend to show her American side. I hope you like it. It's a long one so grab some snacks to watch :-) 

Please leave a comment if you do & SUBSCRIBE! Love you!x