Millennial Boss Babe


When we were younger, we couldn’t wait to become adults. Every day, we wished that we could wake up as adults already, earning our own money, living on our own, and doing whatever we wanted to do. Well, we certainly got our wishes & don’t we all wish that we didn’t wish for this in the first place.

And for a lot of us, being an adult is harder than we thought it would be. Sometimes, we want to go back to the past and enjoy our childhood once again. Of course, that’s not possible. 

But you know what? Being an adult is challenging but it doesn’t mean we can’t enjoy ourselves. Adulthood is the longest part of our lives, 40 years to be exact. It’s long and if we don’t find a way to enjoy it, we’re just gonna let our life pass us by. And do you really want to look back at the end of your life and realize you didn’t live it to its fullest?

We just need to develop and master a few life skills and we can definitely enjoy this challenging chapter in our life.

  • Have a hobby

It is always great to have a hobby & if you still haven’t found one, get to work and find one so you can have a work-life balance. As adults, work takes up a lot of our time (if not all). And work/business takes so much of our energy that at the end of the day we are exhausted and don’t have time to take care of ourselves. But the truth is, we need to find time to take a break from our busy lives and focus on us. Our lives can’t be just about work and making money all the time. We need to give ourselves a breather, a time to recharge. We are not machines. We are more than just our jobs (business) and we need to establish that by having a life outside of it.  

  • Pay your bills

This is a simple concept but so many people either fail to do this or ignore it altogether. Bills are a part of life and they need to be paid. Boss babes are responsible and will always make it a point to pay all their bills, on time. If your bills become harder to pay, then it’s a good opportunity to make some changes. No matter what you do, don’t let your bills pile up, be paid late or worse, be left unpaid.

  • Have your own savings account

Where do you keep your money? Do you have your own savings account? It might seem inconsequential to have one now but it’s a great plan for long-term. Saving early will help you prepare for the future and for emergencies.

  • Know first aid

Knowing first aid is always handy. It’s a great life skill that you can use to help yourself and others. 

  • How to budget

Budgeting helps you keep track of your money coming in and out. And when you take the time to track your money and balance your budget, it helps you manage your money better and will have room to save more. Also knowing how to budget your money will give you a clear knowledge of how much you can and can’t spend on certain things.

I honestly love doing cash envelope system by David Ramsey. It has helped me pay off debts on time, know exactly what I spend on food, entertainment, etc.

  • Have and apply common sense

We tend to overthink a lot. But sometimes, all we need is a little common sense to make decisions. 

  • Know and understand consequences of your actions

You are the only one who can decide for yourself but make sure that, whatever you decide, you are prepared for the consequences of your actions and decisions. 

  • Cope with change

Change is the only constant thing in the world. The sooner we accept that, the sooner we can adjust to whatever challenges life throws at us.

  • Form your own opinions

Whether you share another person’s opinions or not, make sure it’s yours. Do your own research about issues. Listen to people’s own opinions. Then form your own. Don’t believe in an opinion because somebody told you that should be your opinion, too.

  • Learn to manage your time

We’re adults now. We are in charge of our lives, including our time. We have to learn to manage it so we can efficiently accomplish our goals. 

  • Lower your pride (or forget it completely)

Pride is an ugly thing. We won’t learn and evolve when we let our pride get in the way. Let go of it and your world will change. 

  • Accept criticism and learn from it.

Fact: We don’t know everything. We might think we do but there is always something new to learn everyday. People who give us constructive criticism help us become better versions of ourselves. Accept it, thank them for it, and find a way to apply it to your life. 

What other life skills do you think we need to master during our adult phase?

It’s so amazing how many women have embraced the entrepreneur and boss babe lifestyle. So many women work hard every day to build up a business that they’re passionate about that will help other women. But just because you’re passionate about your idea and business, it doesn’t mean it’s already a fool-proof idea. 

Nothing comes out perfect at the start. Mistakes are bound to happen. But that’s how we learn, don’t we? We learn from our mistakes so we can build a better business. what are the mistakes entrepreneurs make at the beginning of their journey?

  • Failing to identify your target market

With every business, you need to know the market you are targeting. Where do they live? Do they work? What do they like? Having a specific target market helps you figure out how to sell your offer. You’ll know which words, colors, and images to use. You’ll also be able to measure better your success ratings and the viability of your offer. 

How do you figure out your target market? Close your eyes and picture in your head the person buying your offer. What do they look like? Where are they? Are they buying through their computer or mobile or in-store? What were they doing before they bought your offer? Basic questions then go from there. 

  • Falling too much in love with your business idea

It’s good to love your idea and the business. You’ll need it to stay motivated to work on your business. But remember, you also need to let go of the idea that it is perfect as it is because there will always be room for improvement. 

  • Lack of goal setting and a business plan

In any business, we cannot get started without having personal and business goals. Otherwise, what are we aiming for? And to help us reach our business goals, we need a business plan on how to specifically achieve them. Take the time to do this now, instead of later. But if you’ve gone and started your business without a business plan, take the time to do it now instead of having nothing, especially if you’re in it for the long-term.

  • Not being flexible and refusing to evolve

Like what was mentioned earlier, there is always room for improvement. And our businesses, products and services need to improve, especially to fit in with the changing times. Evolution doesn’t always have to be drastic. Let’s say, you have a soap business. Instead of just selling soap by retail, you can evolve by offering gift packages or offering wholesale packages for wedding or corporate gifts. 

  • Listening to everyone

Listening is a great skill but don’t listen to everyone who says anything about your business, especially if they don’t have any business skills. Learn to listen to the right people. The right people are the ones who have been in similar shoes you have. They don’t necessarily have to be in the same industry but it would be good if they were. Go back to your goals and your business plans. Which businesses or entrepreneurs do you admire and success you’d like to emulate? Get to know them. Watch their videos. Read their interviews. Study their businesses. Attend their seminars, if they have. Or if you have entrepreneurs with businesses you admire, ask them questions and listen to what they have to say. 

  • No support group

No person is an island. We do need support from other people. Do you have a support group that you can turn to? Join Facebook or Linkedin groups and connect with the members. Attend networking events, business seminars, or skills workshops in your town. It’s a great place to meet other similar-minded women. 

  • Doing everything by yourself

As much as we want to, we can’t do everything by ourselves. Doing everything is a surefire way to get burnt out fast. You can do a lot yourself according to your strengths. But the things you have limited experience with, outsource them. Outsource your social media marketing, or accounting, or graphic design, or delivery. Understand the basics of these parts and focus on your strengths. 

  • Not getting enough sleep

It’s tempting to keep working and rest when the work is done. But that won’t work long-term. The exhaustion will catch up to you. Make sure you get at least 6 hours of sleep at night so your mind is in good shape for the work-day. When your brain isn’t in its optimal shape, you won’t perform at your best. 

Everybody makes mistakes. It’s what you do afterward that makes the difference. What does this mistake want to tell you, to teach you? How can you apply this learning to what you’re doing now? 

What were the mistakes you made when you were starting out? What did you learn from them?

Packing for a tropical travel? If you are scheduled to have a trip somewhere in the warm tropics (say for example, the Philippines), it is very important that your packing list is as concise and complete as possible. Remember that the tropics also stands for hot and humid (and moist year-round) climate and while the sunny sun posts an exciting feeling, it is also very important that your luggage is ready for the heat.

Travel Essentials

  1. Water Bottle

One thing that is very crucial when travelling to a warm country is the importance of hydration. Bring water bottles and tumblers that can fit completely in your carry on bags. One with a filter is great as you can use it on (drinkable) tap water around the world and odd tastes are mostly eliminated (

It also saves you a lot of bucks as you don’t really have to buy bottled water every now and then. Just drink, refill and get quenched. 

2. Sun Protection

Of course, you don’t wanna experience sunburn and other ultraviolet complications. Always bring sunscreen with good SPF to make sure your skin is well-protected. You may opt to get the cream or spray or lotion type, depending on your preference.

Also, take note that hot destinations equal more sun protection. 

“When anyone is going to be sun exposed, regardless of location, a broad spectrum UVA-UVB sunscreen recognized by the Canadian Dermatology Association is recommended,” explains McCauley. “UV protectant clothing, as well as a hat and sunglasses help keep the skin, hair, and eyes shielded from harmful radiation.”McCauley also says you need to reapply sunscreen every two hours and always after swimming or you work up a sweat (

3. Hat or Bandana

The summer headgear (hat or bandana) is both an essential and a fashion piece especially for women. These two items can be used as cover for the head and neck. 

Choose a piece that matches your outfit so it can also stand as an accent to your overall tropic look. Time to nail that summer OOTD!

4. Sunglasses

Same with the head piece, sunglasses can serve you well in two ways. Protect your eyes and get an instant shade plus of course, it’s a good fashion accessory. 

PRO TIP: Try bringing a few pairs that will match all your planned outfits.

5. Dry Bags

Of course, a tropic trip isn’t complete without a beach escapade. Assuming you’ll have a lot of beach moments, come prepared with a couple of dry bags. 

Use them as a sand proof bag for storing your phone on the beach, or pack your wet bikini inside to avoid soaking your other clothes. They’re water resistant so they keep water out or in depending on what you need! (

6. Cover Up/Sarong

Another fashionable piece that can add protection, cover-ups can also function as a beach mat or stuff cover. It can also accentuate your bikini so better be picky with your covers!

You may choose plain cover ups for the classy look or go adventurous with prints and patterns. After all, we’re here for the fun summer sun!

7. Flip Flops

So by now you know that wearing heavy, all-covered shoes is definitely not a wise move. If you’re planning to do some “by the water”walking, better get a pair of good-quality flip flops. 

8. Summer clothes

Cute crop tops, shorts, jumpsuits, sleeveless tops and a couple of rompers —your pack can be a mix of happy prints and florals but do make sure that they are made of lightweight materials. Layering and wearing wool materials is a complete no-no so girl, it’s time to show some skin.

Again, a beach trip is a must so a nice pair of bikini should also be on your list. 

PS. Sundresses for ladies is also a good idea. It can be a day/night outfit depending on the occasion (or your mood). 

PRO TIP: Dresses and summer skirts go well with a pair of sandals. A casual pair of wedge or flats can go a long way (or you may opt to buy some locally made sandals cause why not!)

Being an entrepreneur is hard work. Even if you studied business or entrepreneurship in school, it’s still a different ball game once you do it. And when you start doing it, you’ll find out the hard way that what you learned in school was only a fraction of what you’ll actually go through building your business or working in business. Being an entrepreneur means constantly investing in yourself so you can grow in order to help others grow. 

Now that you’re out of school, what are the ways that you can help yourself grow?

  1. Attend business (or your niche) expos, retreats and seminars
  2. Join mastermind or networking groups
  3. Read books, magazines, websites, and blogs
  4. Get a coach or mentor
  5. Watch documentaries

Documentaries are some of the best ways to add to or enhance what you already know. And the best part is that documentaries take only 1.5-2 hours to watch and they can be easy to digest. Do you watch documentaries for added knowledge?

These are a few of the documentaries we and other boss babes highly recommend!

  • Tony Robbins I Am Not Your Guru

This documentary is not a documentary about the life of Tony Robbins. In fact, after watching this documentary, you won’t be finding out more about Tony Robbins the person. Instead, you get to experience what it feels like to attend one of his events. The director, Joe Berlinger, makes us part of “Date with Destiny”, which he actually personally experienced and had so many personal breakthroughs. So many nuggets to learn in this documentary but they all have one theme in common, to look at your life, where it’s going, where you want it to go and what you can do to make your life go where you want it to go.

  • Generation Startup

Generation Startup is a great documentary to watch for boss babes just starting out with their businesses. It offers a cold hard look into the successes and failures of working in a start up. It’s definitely not all roses but it will definitely teach you so much about entrepreneurship, relationships and life. It’s a great documentary to watch to learn more about problem solving and how to act whenever problems and challenges arise. 

  • The True Cost 

The True Cost is a documentary about fast fashion and the current garment industry. It explores how consumerism, capitalism, and globalization has affected the way clothes are made, from the planting of its raw material, to the production in third world countries, to the way these workers are treated. The True Cost gives us great insight on what type of business we have and how we choose to do business can affect the world in a positive or negative way. With your business, you can either be part of the solution or part of the problem, which would you like to be?

  • Minimalism

Minimalism teaches its viewers the significance of living a minimalist lifestyle and how to transition to it. Most of us think that living as a minimalist is about getting rid of things but it’s more than that. Living as a minimalist is about prioritizing what is important in your life and avoiding excess of anything. Because isn’t it the same with business? Entrepreneurs prioritize what is important otherwise we lose direction.

  • Fyre: The Greatest Party That Never Happened

I’m sure you’ve probably heard about the disaster that was Fyre Festival. If not, let me tell you what it’s about. In 2016, a young entrepreneur, Billy McFarland, partnered with Ja Rule to organize the most luxurious music festival in Bahamas in 2017. Unfortunately, with mismanagement from McFarland, the festival became a disaster. None of the employees were paid and the festival-goers arrived at the bare venue without the accommodation they were promised, no food, no entertainment and stranded thousands of miles away from home in another country. The biggest lesson from this documentary and event? Always prepare. Know your strengths and weaknesses. And keep your head in the clouds and your feet on the ground. 

Have you watched these documentaries? What did you learn from them that you can apply to your own business or work? What other documentaries do you recommend?

For the past couple of years, there has been a movement worldwide to live a minimalist lifestyle. The number of people who watched Tidying Up With Mari Kondo on the first week was enough evidence that more people want to explore and live this lifestyle. 

What is minimalism and what does it mean to live a minimalist lifestyle? According to Joshua Fields Millburn & Ryan Nicodemus, who created and produced the 2016 documentary, The Minimalists, “Minimalism is a tool to rid yourself of life’s excess in favor of focusing on what’s important—so you can find happiness, fulfillment, and freedom.” 

So, how does one live a minimalist lifestyle? Some people own less than a hundred things. Some have cut down their wardrobe to a total of 30 items. Some don’t have a car or a home or a TV. Some have their own vegetable gardens and some live off the grid. 

But the truth is, there are no hard rules to living a minimalist lifestyle. The only rule that exists is to avoid excess of anything and to focus on what’s really important. 

So now that you’ve decided that you want to live a minimalist lifestyle, how do you start? We got some tips to help you prioritize the important things in your life.

  • Ask yourself what really makes you want to live a minimalist lifestyle

What is your main reason for living a minimalist lifestyle? What is driving you to transition to this lifestyle? Is it the desire to live a life with fewer possessions? Is it the desire to only have what matters most? Is it to create less waste? Determine your reasons for living this lifestyle. Write it down where you can easily access it when you need to remind yourself why you’re doing this. Know your limits, too. Minimalism doesn’t mean living on nothing, but living without excess.

  • Follow blogs or social media accounts or groups on minimalism.

What better way to learn more about minimalism than to read the accounts of people who have done it and are really living a minimalist lifestyle. Ask them why they did it, how they did it, and how they continue to do it. Turn to them when the going gets tough because, the truth is, they will have gone through all of the issues you can think of when it comes to living a minimalist lifestyle.

  • Make a list of your expenses and what type of items you spend money on. 

Decide which expenses are negotiable and non-negotiable. Prioritize the non-negotiable expenses and figure out how you can work around the negotiable expenses. For example, negotiable expenses may include having your coffee before work. And you may be making your own coffee at home now but you’re using coffee pods. Instead of using the machine and coffee pods, you can get a French press, ground coffee, and make your own French press coffee. You can even use the ground coffee to make your own facial mask or fertilizer for your plants or to grow your own mushrooms!

  • Start decluttering one room at a time. 

Make a list of all your rooms and decide whether you want to tackle the biggest or the smallest first or the one with the biggest clutter or the smallest clutter first. Set aside a few hours to declutter each room. You don’t want to start decluttering and realize you need to leave mid-way. After you declutter a room, decide first how you will get rid of the items before you move on to the next room. Make a pile of already so it’s easier for you to categorize the items whenever you declutter. You could have one pile that’s for donation, another pile that’s for regifting, another pile for items you can repurpose, and another pile for items you can give to the junkyard. 

Try to throw away as little as possible in the garbage can. Once you’ve sorted them, move on to the next room. Decluttering in an organized way leaves no or little room for abandoning the items you’ve removed from the rooms. When you’re done with all of the rooms and you’ve separated the items into piles, do what needs to be done. Bring the items to be donated to the place where it needs to be brought. For the regift and repurpose box, arrange them properly inside the boxes and have a designated storage closet for it. For the items to be given to the junkyard, you can arrange to have it picked up or take it to the shop. 

  • Do it for yourself, don’t force others to do it because you live it

Live a minimal lifestyle for yourself first and foremost. Don’t force others to do it just because you are living it. If you want them to follow your lead, then lead by example. They need to understand, on their own, why people choose to live a minimal lifestyle. Let them decide for themselves. If they don’t follow your lead though, it’s okay, just do your thing. And make sure they understand that this lifestyle is important to you. 

Are you ready to live a minimalist lifestyle now? Be sure to draw up a battle plan before you start. And always remember that it will be hard before it gets easy. But once you’ve fully embraced it, it’ll be worth it. 

As a boss babe, we’ve got a lot of dreams and a lot of goals to accomplish. We are constantly learning, constantly growing, and constantly evolving. We’ve got our systems organized and we’ve got our to-do list filled out.

So why isn’t our list getting shorter? The main reason: we keep delaying it. We get distracted easily or we let ourselves get distracted. We have to ask ourselves, why are we procrastinating? What are we procrastinating about? 

There are different reasons. We could be procrastinating because:

  1. We’ve got chores
  2. We had an emergency
  3. We have an unexpected call come in
  4. We’re sleepy
  5. We’re just not feeling it

There are more reasons why we tend to delay completing our to-do list but they always have the same outcome, the work doesn’t get done.  

How can we fight that? How can we stop procrastinating and start being productive?

  • Sleep 7-8 hours

Sleep a full seven to eight hours every night. Sleep is necessary to reach our mind’s full potential throughout the day. When we sleep, it gives our bodies a chance to recover, recharge, and conserve our energy. When we don’t get our sleep continuously, we are not giving our bodies a chance to repair itself. When we lack in sleep, we have bigger chances of getting sick, make it difficult to concentrate, and even putting on extra weight. 

Sleeping an average of seven to eight hours will help our bodies do its work without interruptions. 

  • Goal Settings

Besides having a to-do list every day, it’s even better to set goals for the week or for the day. What is the top priority of the day? What needs to be accomplished no matter what?

  • Prioritize 3-5 goals for the day

More than setting top priorities for the day, it’s best to only set a few goals per day, around three to five. Avoid setting more than five goals per day because you need to anticipate interruptions throughout the day. And there will be constant interruptions, either by you or by someone else. 

  • Start with small task first 

Sometimes it’s good to start with the small tasks first so you finish fast. It can feel really good to check off a task from the to-do list, even if it’s a small one. It can make you pumped to start and finish the next one. At least, even if you don’t get to finish the big task, you still checked off a lot of tasks from your list. 

  • Give yourself 5 minutes to meditate with no interruptions

Deep Focus Windows are great for productivity. This is a block of time during your day when you cannot be disturbed. It’s usually just for an hour but it’s one focused hour. No interruptions. If you work in an office, you need to tell your colleagues you’ll get back to them after an hour. You can set an auto response to your emails that you’ll get back to them after an hour. No meetings, no phone calls. 

If you have an office with a door that locks, you can lock your door with a sign outside that says No Disturbing. You can unhook your phone. If you work at home, turn off all notifications, put your mobile on airplane mode, and lock the door if you have a home office. 

If you have kids though, try to hire a babysitter or nanny or your sister to take care of the kids for one hour so the kids don’t bother you during that one-hour window. 

Treat your Deep Focus Window like an appointment or meeting that can’t be cancelled and can’t be interrupted.

  • Turn off notifications on your phone

Most of the time, we get distracted because our phones suddenly ping with a notification. It could be a new email or a new social media message or a new text message. Turn off all notifications on your phone. Do your work and finish it. When it’s done, check your phone for new messages and respond accordingly. Give yourself a maximum time to check and respond so you don’t spend more time than you should. 

  • Reward yourself at the end of the day for accomplishing your goal

It’s good to reward yourself at the end of the day for completing your task. It’s good to have something to look forward to at the end of your workday. It doesn’t need to be big. It could be something like finishing that bottle of soda or eating that chocolate or reading a chapter of a book or enjoying that mug of hot chocolate on your couch or watching the latest movie on Netflix. It’s up to you. 

It’s really up to you to decide how to motivate yourself to be productive. If these tips don’t all work for you, then do the ones that will motivate you. And remember to share your tips so we can be productive together.

You know that saying “The early bird gets the worm”? And it really is true for most people. Studies have shown that getting up and starting work earlier has a lot of benefits. 

  1. When you get up earlier than the time you’re supposed to start work, you won’t feel rushed. And you’ll have time to settle down and get yourself ready for the day ahead
  2. You’ll have time to plan your day well. Which goal do you want to accomplish for the day? What are your top priorities? Which tasks will help you achieve your goal?
  3. Because you woke up early and had a good breakfast, that’s not just coffee, your mind will be wired better to make good, powerful decisions throughout the day. 
  4. You’ll have time for leisure stuff. Waking up early could mean extra time for one more chapter of the latest book you’re reading, or go to the gym, or power walk to work (if possible), or learn a new skill. 
  5. Waking up earlier lets you train or develop your mindset into a more positive one.

But if you’re used to being a night person, can you really transition to become a morning person? Yes, it can be done but it’s going to take some time and will require patience and willpower. Are you ready to work on it? 

  • Set your alarms earlier than usual

Set your alarms 15 minutes earlier than usual. Do this for one week. The next week, set it 30 minutes earlier. Do this again for another week. Continue doing this in increments until you reach your desired time of waking up. Avoid doing it cold turkey and waking up the next day at the time you want to eventually wake up. You need to let your body adjust to the changes naturally. If not, it will resist the change. 

  • Sleep a little earlier each night

The same principle applies to sleep. Sleep earlier a little bit each week. Start with 15 minutes, then 30 minutes, until you’re sleeping earlier. 

  • Write down your to-do list the night before

It’s always best to write your to-do list the night before so you can be more practical about how to spend your time. It also helps avoid using emotions and mood to decide how the day will go. 

  • Detox from all electronics 1 hour before bed

I know you’ve read this before but it’s true. Turn off all electronics at least one hour before you go to sleep. All the electric waves will interfere with your sleep and affect your ability to wake up earlier. Turn off the TV and don’t use it to put you to sleep. Place your phone face down across the room. As much as possible, get a traditional analog alarm clock, not the digital ones. 

  • Create a morning routine you like

Create a morning routine that you will enjoy doing when you wake up. You could always start with a five-minute stretch or drink a glass of water. Or you can crank up a high-tempo song and dance it out for five minutes. Avoid browsing through your phone as soon as you wake up. It’ll take you awhile to create a morning routine that will work for you so feel free to experiment with different ones to see which is most effective for you. 

You just graduated from college and have now joined the real-world workforce. Congratulations! Now you can really be the boss babe you are meant to be. 

At this point in your life, when you’re in your 20s, it’s easier to really prioritize spending for your business or career, and for the things you enjoy doing, like reading, traveling, hanging out with friends, and adventure trips. These are great ways to spend your money because why else will we work if not to enjoy life? 

There is one thing though that twenty-somethings fail to prioritize because they feel that they’re still too young. They fail to save and invest for their future. And by the time they start investing, rates are higher and it can be a struggle to keep up with those rates. 

Devising and starting an investment plan early is a great way to develop a safety net, plus you’ll get better returns by the time you retire. And there are a lot of advantages to investing early.

  • Your spending and saving habits will improve
  • You’ll be better prepared financially in case your finances become unstable 
  • You’ll be able to keep up with money inflation
  • Compounding returns will be to your advantage
  • Retirement will be less scary and can even happen earlier

What can you do now to start saving and investing early? 

  • Payoff your student loans and debts

Paying off your student loans and debts early helps you stay on top of your finances and helps you have more money later on. It’s so much better to have limited funds in your 20s to make way for more money in your 30s and 40s than to have more money now and struggle to pay off the loans, debts, and interest in the future. Paying off your debt now will also allow you to save more money that you can invest to have even greater returns!

  • Set savings goals. Set 5-10% of your income. Set Aside Money for Future Investments

Just as you sit down at the start of the year to set your new goals, set aside time to set your savings and money goals, too. Decide what amount you want to have by the end of the year. Then set aside 5 to 10% of your income. It’s always best to have automatic settings to transfer this amount to an untouchable account so you automatically save the money.  Once you get the hang of that, set aside a little more for future investments. 

  • Create a budget and track your spending. 

It’s always a good idea to start great money habits. Create a budget according to the amount of money coming in to your account. A good rule of thumb is to allot 70% of your income for your living expenses and debts, 20% to your savings, and 10% to your emergency fund. But if it’s not possible, have 10% automatically transferred from your main account to your savings account. And always track your spending so you know exactly how much money you have. Create a spreadsheet or use an app your phone to list down all the money you receive (from salary, gifts, winnings, bonuses, etc) and all the money you spent. It’s scary but necessary to create a healthy relationship with money. 

  • Set goals and make investments based on those goals. Research before you invest. 

If you want to start investing, do your research. Ask people you trust. Do a Google search. Join Facebook groups that focus on investing. Visit websites. Read the newspaper. Consult with brokers about your best options. Look also into investment life insurance, especially if you want low-risk options for now. 

  • Don’t keep up with the Joneses. Avoid debt as much as possible

While you’re in your 20s, avoid unnecessary debt as much as possible, which includes credit cards. If you must use it, think ten times before you need to use it. And when you’ve thought ten times, create a plan on how to pay it off without incurring too much interest. A lot of credit card debt is due to impulse spending. Cutting out the impulse spending at the onset will lead to better spending habits. 

Have you started investing? When did you start and how did you start? 

It’s always a good idea to practice better money habits as early as you can. Your friends might not understand your decision and your plan but it’s your life, boss babe. And you’ve got big dreams. You need to figure out the best way to live it, short-term and long-term.

Good luck!

New Year is all about making new resolutions and doing all your best to live by them. Most of these resolutions are health and lifestyle-related —probably a new diet to try, a different kind of sport to venture on or some random workout to complete the work-life balance shiz. The beginning is always as exciting as it sounds but the usual challenge comes after a few weeks or months of trying. Admit it or not, living healthy can be a difficult task for most people especially when the level of commitment is low. 

Usually, people like you are busy trying to balance work, family, social life and other extra-curricular responsibilities. As a result, your health goals are often put on hold.

So how should you address the issue considering that it is a common challenge for all? How do you step up and raise the lifestyle-change game?

Here we have enumerated 8 steps to live a healthier and also, a happier life:

1. Always eat good breakfast

It might be a cliche but a good meal in the morning sets the tone of your entire day. Whether you like some pancakes or waffles paired with hot cocoa or black coffee or some fancy smoothie bowl, it is very important that you are happy with your starter. 

An expert from the Association for Dietetics in South Africa (ADSA) mentioned that “Breakfast is linked to improved nutrient intake, as well as improved concentration and alertness. Studies show that skipping breakfast is associated with increased stress, anxiety, depression, fatigue and tiredness.”

Yup, that’s how important breakfast is. 

2. Drink more water

Water is life, literally. It is essential to make the body and all its parts function properly. Do you know that over 60% of our body is made up of water? Water is needed to carry out body functions, remove waste, and carry nutrients and oxygen around our body. Since we lose water daily through urine, bowel movements, perspiration, and breathing, we need to replenish our water intake (Chua, n.a).

Apart from that, drinking water also has a lot of other benefits such as weight loss and kidney stone treatment. Usually, experts will say that we need 8 glasses a day to stay hydrated but if you can make it 10 or more, then the effects can be all the way better. 

3. Get enough sleep (and sleep the same time every night)

Getting enough sleep helps you avoid mid-day sluggishness and at the same time, prevents you from the hazards of overeating. It also helps you address certain body ailments like headache, migraine and dizziness.

Also, having a set bedtime helps train your body’s internal clock to fall asleep faster at a certain time plus it also helps you to focus on your tasks (

Time to set the alarm, yes?

4. Eat your greens

You’ve probably heard it a thousand times, but you seriously need to eat your greens. Take the time to detox and cleanse your body by filling it with the best variety of green vegetables like fennel, kale, celery, spinach, Brussels sproutsand others. 

Take note that greens are full of fibre which too which is great help to your digestive system (so it’s a good addition to your weight loss diet).

Green veggies like broccoli and kale are a good source of vitamin C. Vitamin C is needed for the body to make carnitine –which transports fatty acids into cells to be used as a source of energy in a process is known as ‘fat oxidation’. If you’re not getting enough dietary vitamin C you may start to feel low in energy, so give yourself a boost with plenty of greens (West, 2015).

5.   Exercise regularly and pick the kinds of workout that you enjoy the most

Movement is important to keep the body alive (and kicking). Research has shown that exercising daily brings tremendous benefits to your health, including an increase in lifespan, lowering of risk of diseases, higher bone density, and weight loss (Chua, n.a). 

Increase activity in your life and pick routines that you enjoy. Whether it’s a weekend hike, a daily trip to the gym, some MMA training or extreme sports that hype up your excitement, the most important thing is that you enjoy what you’re doing. 

It is also very important that you do a simple exercise every day. Aside from the fact that exercising can reduce all the biomakers of aging (, doing regular movements can also normalize blood pressure, improve bone density and lower fats and cholesterol in the body. 

So yes, time to make that workout a regular routine. 

6. Always choose healthier snacks

You probably look forward to your daily snacking and with the wide options available in the market today, choosing a healthier alternative can be a bit of challenge. Well, here’s the tip, stock your pantry with healthy snacks so you will always have some good stuff to fill your cravings. 

Some great healthy snacks include a variety of nuts, smoothies, slices offruits, veggie chips or even a little bit of dark chocolate.

7. Try Regular Meditation 

Meditation can be a good stress-reliever. It quiets the mind and the soul and gives you a sense of balance (yin and yang). It also helps you achiever greater focus and concentration and at the same time, gives your brain enough breather.

8. Have a positive mindset

Being positive is easier said than done but as the saying goes, happiness is a choice. Good health isn’t just about healthy eating and exercise —it’s also about having a positive attitude, a positive self-image, and a healthy lifestyle (

Purge negativity from your life and see how easy it is to live without all the toxic factors around. Let go of negative people and stressful activities and learn to focus on the good facet of your being. 

At the end of the day, it all boils down to the choices you make and the things you value. So the real healthy life starts in you and there’s not better time to do it but now. 

Do you struggle to budget your monthly finances? Do you find the whole idea of budgeting stressful. challenging and too daunting?

Well if you feel all those, don’t fret because one you are not alone and two, there are a lot ways to make budgeting fun.

Most people think that budgeting is traditional and boring. For some, it means a nightmarish spreadsheet of all your fixed expenses and then making some arbitrary guesses on how much you “should”be spending on food, shopping, travel, etc. (Girlboss, 2017). 

It can be gruesome, yes and might entail some tedious work but believe it or not, good budgeting will help you a lot in the future. 

Why is budgeting important?

Before anything else, you have to consider the fact that proper budgeting can be a great first step toward financial stability and independence. A budget can also help you develop strategies to reach your short-term and long-term financial goals (Lynn, 2018) whether it’s about buying a new property, purchasing an existing business or investing into some mutual funds, etc. 

Aside from that, budgeting also prevents you from falling into serious debts. Most financial analysts believe that unexpected costs aren’t truly unexpected, believing that consumers know that unexpected expenditures will occur, but they simply don’t budget for them. Few people save for expenses such as birthdays, weddings, and even car repairs. They just aren’t thought of as budget-worthy expenses to most people (Lynn, 2018). By creating a well-plannedbudget schedule, you can prepare for almost any kind of unexpected expense.

So how do you make budgeting and finance planning fun and at the same time, successful? Here are some of the ways:

1. Go Tech and Use a Budget App

There are a number of good and user-friendly finance planning applications available for smart phones today. Most of them are free with some premium paid features. In general, these apps are very efficient because aside from helping you organize your funds in an orderly manner, they are also fully automated. The softwares can do quick calculations and keep record of income and expenses realtime.

2. Set your Goals

We all want financial freedom and that is basically the reason why we work our ass off and spend our entire day doing something that is profitable. The goal is to really be financially stable and even wealthy not just for ourselves but for the entire family. 

In budgeting, it is also very important to set inancial goals. What is your target savings by the end of the month? Do you need to pay off a credit card balance? How much can you spend for a new pair of shoes? 

Start by setting some goals for yourself; they don’t have to be big goals to start. In fact, it’s often better to set small, easily attainable goals so you can achieve them and get some quick wins under your belt (Lynn, 2018).

3. Make the Budgeting a Family Affair

You can let your parents or significant other know about your budgeting plans because they can help a lot in the motivation process. Aside from that, they can help you think of ways and alternatives in making the entire budgeting successful because they know you so well. 

4. Skip The Trend

Most of us, especially girls, tend to only buy things based only on what’s hot and trendy —which color got the most number of likes, which shade was worn by my favourite influencer, where to get the old groovy and baggy 90’s pants? 

Remember that the key to good budgeting is to only purchase whatever is necessary. So skip the trend and focus on your financial goals instead. 

5. Eliminate Distractions.

If you eliminate distractions, you will also eliminate the stress that goes with them! Wait until the kids are in bed before you start. Turn off the tv. Tidy up the area you’ll be budgeting in. Don’t leave reminders of unfinished tasks and projects around if you can help it (Lauren, 2017).

6. Treat Yourself Every Once in a While

Of course, cheat days are everywhere and when budgeting, things can very very stressful. Consider treating yourself every after accomplishment (can be a monthly thing) and learn to fill your cravings with the right food or the right relaxation, whichever is needed. 

However, take note that this could not be a frequent thing as creating and doing a budget isn’t easy and making a lot of extra expenses for unreasonable “treats”is not really acceptable. 

7. Change your Bad Thoughts about Money

Try changing your outlook on money through budgeting. You can make saving money a rewarding and satisfying task by prioritizing your spendings and accomplishing your goals. Look at money as a tool to help you achieve what you’ve always wanted instead of looking at money matters as a necessary evil that you must constantly wrestle (Lynn, 2018).

8. Plan an Early Entire Retirement

You probably have a bunch of questions now. Why do I need to plan ahead when I’m still this young? How could I spend a portion of my little savings/profit for that? Why do I even have to think of retirement this early?

It is true that retirement is like an end game but as the cliche goals, it is always best to plan things early. Think of the future. Learn to save some funds for future use. Seek professional help from financial experts especially when the money involved is of high value. 

9. Be Consistent. 

Make the budgeting task fun and consistent. Evaluate your budgeting performance and see how you can fair better next time. 

At the end of the day, remember that budgeting your money doesn’t have to be stressful. Learn to align your spendings with values, be creative and explore other options and see how everything will become different. Happy budgeting!