5 Tips to Manage Your Student Loan Debt

Welcome back to The Selfish Column everyone, hope all is well in your world of adulting. As you can tell by the title today we are talking about that “wonderful” thing called student loan. And by wonderful I mean that life-sucking nightmare that gives false investment into your future (lol where is the lie though… RIGHT).  If you live in North America and have ever set your mind on a post-secondary education, you may have noticed the expensive price tag that comes with this decision. Don’t get me wrong, investing in your future is an incredible thing and so is continuously educating yourself.

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A little About My College/University Journey

During my college years, I was living with my parents while working the weekends and summer days to pay for my classes. Living at home helped minimize my expenses while paying for school.  After graduating my college program,  I went straight to the third year of my university program and took out my first loan.  When it came time to pay it off I struggled with it because not only did I move away from home but I went back to school without informing student loan. Honestly, I did not know how to go about paying this. I fell behind and pretended that my loan didn’t exist, but that didn’t last long. Eventually, I took control of the situation and started slow. I decided to take a look at my interest rate and my income tax returns.  The best course of action for me at the time was to give my tax return back to the government. It wasn’t easy to give this cash up because tax season is always around my birthday and the reality of no more extra birthday cash was saddening ( no more stunting with my returns hahahahahah).  But I had to remind myself constantly that I lived without the income tax return money for a year and managed to survive just fine. After all, being out of debt is far more important in the long run.  So without further or do, please see below my basic tips on managing your student loan.

Tips:

1. Check when tuition is due for each semester:

This is good if you pay your own classes. This gives you time to save up and pay slowly toward your classes. I did this while in college, I made a point to treat it like a monthly bill and visited the registrar office each month to pay off a large sum.

2. Save a portion of your grants and or bursaries:

With a student loan, you get things such a grants and scholarships, I know it is money you don’t have to pay back but that doesn’t mean you can’t use a portion of it towards your student loan. 

3. Use a portion of your income tax to pay a large amount:

Most students use their income tax return as extra money to go on trips— But if you divide accordingly, you will be able to enjoy more of it in the long run.

4. Always pay on top of your interest rate:

But most importantly always AlWAYS pay on time.

5. Build a relationship with the agent that holds your account:

Call the office and find out who is assigned to your account because having a strong and honest relationship with your agent can work in your favor. Keeping them in the loop of your financial situation can avoid your account being forwarded to collections and receiving those debt collector calls that we all hate.

Thank you for getting to this point and reading the whole post. I hope you found these tips to be helpful in your student career. Some of these tips I learned from personal experience and the rest I found afterward that I thought would be useful. If you enjoy this blog post please leave a comment below sharing your thoughts on it.

Have a great week everyone.

~S.C~

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Five Adult Professional Relationships You Need Now!

Hello everyone and welcome back to The Selfish Column. Today we’re talking about five types of people you need in your life as an adult. These are actually a list of occupations that I compiled with the help of a really good friend. When he listed these, it had me thinking about how much it makes sense. The main reason, of course, is because I didn’t have these skills but saw the importance of them. The way my life is moving and the struggles I endured in my past made me realize how much I appreciate people in these professions. I found that these were crucial life skills we need in our adulthood, but since not all of us are fortunate to possess these skills, it doesn’t hurt to ask for help. You don’t necessarily need close friendships with people in these fields, but rather a person you can turn to when you need answers. Remember these professions are governed by their own laws so Google may not have all the answers to your questions.

Mechanic
How many of us have had a problem with our cars and thought it was minor, only to leave the mechanic shop feeling defeated and POOR? I have gone through some real crap with my cars and hated my life for it. After many years of these difficult lessons, I decided to not only learn more about the vehicles I purchase but to build a relationship with someone that knows my cars and my car choices.

Financial Planner
This is so personal, I can honestly say that I never took money management seriously until I moved out on my own. The concept of it has always been something people avoid talking about until shit hits the fan. But as I got older I realized the only way I can get ahead of this is to tackle my own issues and build a relationship with the one place that I do keep my money in, and that is my bank.

Real Estate Agent
I am a renter but a few of my friends are in a phase in which they are either becoming homeowners or looking for specific locations for renting. What I learned from this is that building a concrete relationship with someone in the real estate field makes your search so much easier. Myself and like many of us in this generation are busy bodies. Having someone that knows your taste and can scout places for you when you are not able to can cut down time on unnecessary meet ups.

Healthcare Physician
Let’s be honest, how many times have you looked up your symptoms on Google and thought you were gonna die if you took your next breath (ok maybe it’s just me)? Having a relationship with someone that understands your health and your future health can be so beneficial in many ways than you think. When I first moved away from home I had to go to walk-in clinics whenever I got sick and always met with different doctors even if it was a follow-up appointment. I became so frustrated with the process that it truly made me appreciate the security my parents gave me by appointing a family doctor.

Lawyer
Maaaaan, this is becoming so relevant to my life. Just last year I went through a situation in which it cost me $1500. It all could have been avoided if I had done the transaction legally and not just through word of mouth (aka trusting). I am not saying that you need a lawyer for everything but it is important to have a positive relationship with someone that understands the law. Having someone that knows the law can also be helpful when you are at a point in your life when you are getting married, buying a home or even starting a business.

I hope you enjoyed the list, if you have more to add to this topic I would love to hear from you guys in the comment section. This is just a list of relationships I have learned to appreciate since moving out on my own.

Thank you for stopping by The Selfish Column, hope you have a great week.

~S.C~

 

Back To School Makeup Essentials For The Girl On A Budget– Dark Skin Addition.

Hi everyone and welcome back to The Selfish Column. I know what you’re all thinking, where the heck have I been? Truthfully, there is no excuse other than I have been living and working. I want to first say thank you to everyone that has supported me thus far and continue to support me on all my social media outlets. As you can see from the title I am here to talk about my everyday makeup guide. Please know that what works for me may not work for you. To be honest I was not planning to write about this seeing how I have always talked about my lack of makeup skills (I wasn’t trying to get roasted ya’ll —- The internet is savage)…….. BUT since a number of you guys have asked me to talk about the basics for my on the go look, of course, I had to share. Ironically, my favorite items are mostly drugstore products which I find gives me that finished look. I have listed my favourite six items below.

Drugstore Makeup List:

 

 

 

 Essence Waterproof Brown Eyeliner in the Color 02 But First, Espresso: 
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I actually use this to color on my eyebrows before I highlight them. This works for my eyebrow hairs compared to other darker colors and blends well with my skin. Believe it or not, I also use this to highlight my cheekbones and my nose when I feel like being fancy on a budget (It’s real out here people LOL).

 

Essence Kajal Pencil in the Color 01 Black:  
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I use this color for my eyeliner. For my skin tone, this is a perfect black eyeliner. It is dark enough when I first apply it without the need to go over my eyelids twice. You definitely get more use from this product because you don’t have to apply it over and over again for it to show. When I say it’s black it’s BLACK ladies… (cue Tupac).
 

Rimmel London Scandal Eyes Mascara:

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This mascara works wonders on my none existent eyelashes. This mascara is dual sided and not only volumizes my lashes but lengthens them as well. Listen if you know the struggles of these lashes of my mine, this is a miracle mascara.
Essence Longlasting Lipstick in the Color 28:
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I just love nude lipstick, how can you not. Nude color lips are so easy to transition from day to night and goes well with any outfit. This lipstick is so long lasting that I find that I can get away with applying it once. As a woman with such “voluptuous” lips, I find that this color enhances this feature without overdoing it. This is not your typical nude color lipstick only because it has a very brown undertone. This color comes out very natural on my lips and compliments my skin. I love mixing this color with NYX Liquid Cream.
 
 
Essence Long Lasting Lipliner in the Color 02 Hot Chocolate: 
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This color gives me LIFE. This brown chocolate liner goes so well with so many of my nude “lippies” that it has become an essential. BUT, the number one reason why I love this lip liner is that I also use it as my eyebrow color. YES people, you read correct, I use this as brow liner. Three bucks can go a long way on The Selfish Column!!!
 
NYX Liquid/Cream Lipstick in the Color 07: 
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Not gonna lie, I fell onto this color. I received it as a gift and was somewhat hesitant to use it. It took me few weeks to start using it but when I did (HOLY) this has become glued to me. I adore this color, it has become my go to liquid lip cream. I use this literally daily!!! I just love love love this color. NYX has been killing the game.
Well, ladies and gents I hope you enjoyed my list for my go to makeup essentials for all your in between needs. Please know this is just the basic in makeup products that people use on a daily. My goal was to bring something that is affordable and still get’s the job done. Seeing that back to school shopping is coming up I thought these six items would be perfect for the students that are on a budget and living that campus life. Please comment and share your thoughts on these items I love hearing what other people are using out there. Have a great day my loves.
~S.C~

Pretty In Pink & All Bandaged Up

As every woman knows, there is nothing like dressing up and going out with your girls or that special someone.  With the help of Trezzi Collection and their beautiful dresses, I was able to put something together for that special occasion. This lovely pale pink dress with a hint of nude makes me feel all kinds of sexy. If you know me, you KNOW that the color pink and I don’t get along. But after laying my eyes on this dress I immediately fell in love. How could you not???????? It has that girly aspect you want in a dress without losing the sexy woman trend we all look for as adults.

Trezzi Collection is a Toronto-based boutique with an authentic brand that reaches to all types of women.  As a Canadian, I love seeing my fellow Canadian women succeed in both their personal and business lives. I could not be more excited to team up with this brand on this reason alone.

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The dress I chose highlights my figure without feeling overly dressed or underdressed.

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Shoes by @egoofficial

Trezzi Collection is showcasing their spring/summer collection and I can’t wait to get my hands on some their tops. Check them out on their Instagram page @trezzicollection and don’t forget to visit their website www.trezzicollection.com for more fashion inspiration and shopping… OF COURSE!!!!

Have an amazing week loves and as always thank you for stopping by.

~S.C~

Should Makeup Influence Your Self Confidence?

 

Hello and welcome back to The Selfish Column everyone. Hope all is going well this week for all of you. I want to discuss with you guys one of the most popular trends of 2016. Last year we saw a rise of the no makeup look all thanks to Alicia Keys. I have read so many articles praising this movement and also read some comments criticizing it. Based on my research, I found that women were stating how relieved they were to see a star such as Alicia Keys taking a stand. Many women felt free and understood others felt unbothered and criticized Alicia Keys (myself included) for this. The reason why I felt so unbothered is because I never took makeup and the concept of it to heart. In my 25 years of life, I never looked at makeup as a way to cover up imperfections, seeing that the era which I grew up in and my worldview of it were cultural and not an insecurity. My personal belief is that makeup should be fun just like any other things in life and confidence should come from within. I know I know we hear this all the time and for some people, this can be difficult. But trust me when I say this… there is value in being your own cheerleader and most importantly there is value in being YOU. At the end of the day, whether you wear something such as makeup to make you feel better or anti-aging cream to keep the skin youthful, we all must see a value within ourselves first. The reason why I feel so compelled to state this is because I have never looked at makeup as a major part of my life, truthfully I don’t know much about makeup. Just ask any of my friends about my makeup collection and they will tell you that it is SAD. I have been using the same technique since the ninth grade and my knowledge of my makeup believe it or not is sub par…. VERY LIMITED. Due to not focusing so much on this allowed me to feel free and find other ways to boost my confidence. I learned that my confidence comes from my ability to feel useful, to gain knowledge and be intelligent. I am such a workaholic that I find myself feeling low and down about myself if I’m not useful or working. The thought of being ignorant and not being able to contribute in discussions weighs heavier on me than whether I’m wearing makeup or not.

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By now you should know where I am going with this. Having makeup will never change what’s on your mind, but it will always be a way to express yourself. I don’t see Loreal, Covergirl or Mac going out of business anytime soon. So do what makes you happy GIRL.  I am a girls girl, I love women and I think we are beyond powerful than what society portrays us to be.  We are not these simple creatures that paint our faces and pout our lips for pictures, I refuse to think we are that simple that we need a such a movement in our society.

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I end this post by saying don’t sweat the small stuff. As women, we are part of a far greater purpose than to be concern about who is wearing makeup and who is not. Anyone can wear anything….. HECK we were clothes everyday right?  but it will never be what you wear or put on that leaves a lasting impression but rather how you express yourself. I would much rather see the world that is full of dedicated, hardworking, independent, thinking, knowledgeable women who wear makeup than the world that is so focused on tearing others down for putting makeup on.

If you made it this far thank you. If you are visiting for the first time thank you as well.

As mentioned on my Instagram page I will be giving away some goodies as a thank you for your support and love.

Giveaway: 

Viktor & Rolf Flowerbomb Roll on Perfume and Tom Ford Lipstick. I love the two products and thought I should share with one of you guys. Both women and men qualify.

Rules:

  1. Must follow my Instagram page
  2. Must like my Facebook page

 

 

~S.C~

 

Bracelet 4 Humanity X Selfish Column

 

 

The New New & Postive Tips

 

Hi everyone, hope all is good. I wanted to come back and talk to you all about what’s been new with me this past couple of weeks. If you follow me on Instagram and Snapchat you probably have an idea of my schedule by now (work, work, work along with blog  prepping). This weekend had to be one the busiest weekend I had in a very long time.  My Saturday started with shooting new looks for the blog as well meeting some of my girls out for a birthday party later that evening. Sunday however, was a bit intense even for me, I woke up and headed to brunch with a friend, followed by taking more pictures, before heading to the mall. After the mall, I returned home for a breather before stepping out again for a blog collaboration meeting (which I am excited to share the details of in the next few weeks).  As you can see much of the weekend was spent working and perfecting my craft. But I did sneak in a last minute pizza date with the ladies to close the rest of Sunday off—–Who doesn’t love PIZZA?!!!

I want to close this blog post up by sharing some fun positive tips to get you through this last week of November—Lord knows I need all the positive vibes I can get this week. Check out the tips below courtesy of “The Happiness Project”.

Enjoy your week loves. xoxox

Five Positive Tip: 

  1. Work Smart
  2. Enjoy Now
  3. Take time to be silly
  4. Act more energetic (even when you don’t feel it)
  5. Ask for help (I struggle with this one all the time)

 

Follow me on Instagram as Meyahw for more fashion looks and funny Insta stories.

 

~S.C~

Secrets Of Adulthood

 

~S.C~

Holding On to Summer

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Welcome back fellow “selfishers” (lol) see what I did there. Hope everyone had great Canadian Thanksgiving. A few of my gal pals and I had an amazing time celebrating our version of Thanksgiving, something I will discuss in the near future.

I wanted to come back to you all with one of my traditional style known as “The Lazy Girl Fashion”. By now it’s no surprise to many that I love minimal dressing that can transition easily throughout the day. This current look is something I put together with items already in my closet. For my girls that are on a budget such as myself, always remember to shop your closet before running out and spending your money. The Jeans you see on are from Garage (which I absolutely LOVE and adore by the way) have already made a feature on the blog this past summer. Let me know what you think of the look and enjoy your weekend everyone.

 

 

 

~S.C~

 

All Black And Strapped Up

 

Hello everyone and welcome back to The Selfish Column. I really hope everyone had a great weekend. I spent the weekend working on future blog posts and organizing my school life.

This week I am coming to you guys with a new look that I absolutely love! This outfit is giving me a sexy Morticia Addams vibe, and I’m here for ALL IT— Bring on the dark side.  I can wear this look to so many events without the feeling of outfit repeat hanging over me. The different pieces make for an easy style change with things you already have in your closet. This is something you can wear to a business event or a night out with the girls (of course the button have to be up for work events). I want you guys think business in the front and party in the back analogy, only this time the party is taking a front row seat with this eye catching bralette.

Let me know how you would incorporate these three pieces into your wardrobe.

As always the details are listed below. Like, share, and comment if you love this post.

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Outfit Details:

Top: Zara

Bralette: Express

Skirt: Aritzia

Heels: Aldo

~S.C~