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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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~

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

 

 

Secrets Of Adulthood

 

~S.C~

5 Random Life Hacks For The Lazy Girl

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1. Open a separate email account for all your shopping needs.

Let’s be honest everyone wants a good deal while shopping, but sometimes that deal comes in an email form. It can be difficult to filter through your personal emails and all those daily emails from your fav brands. I’m not the one to miss out on a good deal —so one day I decided to open a separate account to provide to all my fav stores and brands while shopping.

2. Cooking in foil is an easy way to cook for one.

This is perfect for the person living on their own and is constantly on the go. Pick your choice of protein (beef, chicken or fish) add your fav veggies and let the oven do the rest.

3. Always keep a staple black pump in your car.

Last minute invitations to events can have you rushing home to change or cancelling due to time constraints. Having a pair of black pumps can change the status of your outfit from day to night without having to miss out.

4. Always keep a small amount of cash on you.

I know we live in the age of technology and plastic money, but it doesn’t hurt to have real cash on you. I tend to leave a small amount at home just in case I lose my wallet or need to get a taxi home. I know I’m thinking of the worst case scenario here, but it’s always better to think ahead.

5. Have a general cover letter saved in your email.

As young adults we often find ourselves in positions or jobs not related to our career path. The best way to ensure you are always ready for the next step is by having a BOMB cover letter highlighting your skills without overshadowing the purpose of your resume. Even the most simple position should always get a cover letter.

 

If you got this far I want to say thank you, let me know your thoughts on these hacks and and share some of yours in the comment sections.

~S.C~

How To Say No….Without Saying No

Have you ever wanted to just look at someone and ask them how they got so self entailed for so long?  I have always believed that people will go as far as you let them. If you don’t believe me look around study some people in your life and how they move and act toward you.

The concept of saying no can sometime be difficult because many of us are faced with guilt and and fear afterwards. These feeling can sometime affect your family life, your work and professional life and even your personal life. If that becomes the case, we need to take a step back and reevaluate our decision making. When you think about it, we become so consumed with other people’s needs, likes, hobbies, schedule , you forget to fill your schedule with things you really need to do to benefit you and your future. NOW I’m not saying you should go around and be a complete A-Hole to those around you. By no means do I want you to give out No’s like Oprah gave out cars in her talk show (back in the days). But I do think you should ask yourself why you are always so quick to say yes in the first place. The answer could be that you don’t have a lot of things in your life keeping you busy, or maybe you haven’t really invested in some of your own interest. Whatever the reason might be, it is always important to look into your life and see what you need to be doing before you can commit to something you might regard later.

If saying no is something you are not ready to do or comfortable with, don’t you worry your little soul out. I have crafted my five approaches I use when I need to say now without actually Using N.O.

Check out the list below and let me know what your thoughts are on it.

As always have a great rest of the week everyone :).

Five Approaches to “How To Say No…Without Saying No”

  1. Make your availability less available.
  2. Find things that interest you (could be that you simply don’t have your own hobbies)
  3. Offer a date and time that is convenient to you. ( Take control of your time and schedule)
  4. Offer an alternative way to complete the task without you being a part of it.
  5. Say Nothing.  🙂

 

~S.C~

Five Things Every 20-Something Year Old Female Should Do

This year hasn’t even ended and I feel as if I have gone through such a tremendous transformation. Most of those changes are mainly mentally and psychologically, you know… (the personal stuff). There were a lot’s pep talks and late night thinking after my birthday regarding what I need to plan for the next few years. Truthfully I went through a phase where I felt so low about myself and not feeling good enough about my accomplishments thus far. But in true fashion of me and my theme for this blog I got myself out this funk REAL Quick. I started looking at what  I can do,  instead of what I should have been doing.  As most of you all know by now following this blog I love making lists, it helps me clear my mind make my ideas clear. Below are a list of 5 things  I feel every female in her 20s (doesn’t matter what stage they are in) should consider.

As always thank you for stopping by. I will see you guys all next week.

 

1. Make a Meeting With Your Bank/ Financial Adviser:

Single or not, us girls need to get our finances in order, don’t be the girl that needs saving  from a man or anyone else to be exact. Get real with your savings. I think there is something damaging about all the work pervious women have done to get equal rights when I  hear another woman speak about a man as a walking a bank account.

2. Declutter your life/ Mainly Your Closet:

You wouldn’t believe the things I found in my closet after I started going through it. I had so many things I was holding on to from High school— I actually took stuff from my parent’s home and moved them across the country with me. Believe it or not I found jeans I bought in grade school in there. I mean I’m proud that it still fits, but also shows the amount of evolving I made since then. Sad when you think about it that way huh? … lol.

3. Take Trip By Yourself…For yourself:

Let’s not forget that we were born with our own two eyes. It’s only fair we put them to use while we can. How you  feel is not always how another person feels, same goes for what you see. I am always envious of those that constantly travel for work alone. They are forced to explore and learn about the places they are at.

4. Never stop Educating Yourself:

Whatever field you’re in or plan to get in, always educate yourself outside the classroom. It never hurt’s to learn about something you never heard about before. I think there is something powerful about bringing something different to the table.Knowledge is sexy and should NEVER be slept on. Check out your local bookstore next time you’re out. This blog idea actually came from a book I randomly picked up at bookstore three years ago.

5.  Start Using a Day Planner:

Let’s get real, some of us have that one day planner that looks cute but never have been used. We get so excited when the beginning of the year comes around and we buy day planners either for work or school only to realize that half way through the year it has not been used. Trust me, I was guilty of this too, it wasn’t until March (around my birthday) I became serious about this. I am all over the place —and if you’re like me open that day planner ASAP.

 

~S.C~

Reasons Why Buying Yourself Gifts Works

This whole year I decided I would buy  myself a gift each month. These gifts can come in the forms of food ( cause food is life), travelling, shoes, household items, clothes, and of course books.

The benefit of buying your own gifts is that you always get what you want. Don’t get me wrong, I enjoy receiving gifts, but there is something about working hard for something that is goddamn rewarding. I plan to not hold back and go all out for myself this year. Lets be honest, our birthdays comes once a year and there is no need to wait a whole year to have something you want or quite frankly need.  Think of the burden you put on those around you and the expectation you place on them. Unless the conversation was had before hand, there is no need for a grown person with a job to expect their friends and family to buy them something all the time. Notice I said EXPECT. We can not assume that the budget for ourselves is what everyone is working with. We are only responsible for our wants and need,  and that’s a fact.

Fun Reason Why Buying Yourself Gifts Works:

  1.  You always get what you want
  2.  You never have to wait for it; and if you do the wait can be so damn fulfilling
  3.  You can always return it without offending anyone
  4.  You can actually re-gift (guilt free) and you wont get caught (lol)
  5.  Cause you are allowed to treat yourself.

5 Activites You Should Try Doing Alone

Recently I went to dinner alone and trust me, this was not something planned. This casual date night came after a long weekend of work and cleaning. I was craving Beef Carpaccio and searched high and low for someone to come with me. My one friend, who is usually down for the cause, left to “Vancity” and was having the time of her life. After searching high and low with no hope, I almost made myself dinner at home. I know, I know………. the tragedy that a woman in her mid 20s wants to cook. Yeah, I snapped out of that real quick lol (insert sarcasm here), and decided that I’m gonna take myself to this dinner alone. This craving was not going to waste, BELIEVE YOU ME. I decided to put my heels on, ooooh yes I put heels, and took a spot in the dining room section of the restaurant. The evening started off with an espresso Martini, then I followed it with water before it ended with a beer. I went all out for myself, because Mr. Perry taught me I can do bad all by myself.

After you get over the initial questions from the hostess and server about why you’re at their restaurant and if you’re waiting for someone and the petty encouragement party they give you, things turn up from there. If I got a dollar for every comment about how great this idea was and how everyone should do this, my meal would have paid for itself. Never the less, although the evening wasn’t planned, it turned out to be one of those moments us girls needed. During dinner I was able to reflect on a lot of things I been doing for work as well as took some time to work on my blog post. If I can use one word to describe how the night went, I would most definitely use, “Inspired”. I left with so my ideas for my blog and future endeavors that I stayed up and wrote all night.

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Below I listed 5 fun things you can enjoy all alone. As always, thank you and see you all next week with a new post.

  1. Coffee Date:
    The benefit of doing something like this is that you can actually get yourself organized. Bring your calendar and notepad and catch up on your schedule and future plans.
  2. Gym Time:
    Listen here, were getting to old to be having people holding our hand through life. Everyone has their own fitness goals and usually it’s a personal one. The great part about this is, you can time manage yourself better without working on someone else time. Personally, I don’t think anyone will ever know my fitness goal of trying to get that “01” Beyonce body. (low key the one in the survivor video). lol
  3. Shopping:
    You know how quickly mall anger can occur, please save your relationships and go by yourself. I personally don’t think shopping is meant as a group outing, you’re always going to buy the opposite of what your friends suggest anyways. At least that’s how I make my decisions. I am also a petty person, I sometime disagree for fun. Save your friendships and “momships”, and go alone once in a while.
  4. Dinner:
    Because food is life, and I will never debate this. After my dinner alone, I felt liberated and also quite amused as to how nice the serving staff was to me. They thought I was this super woman and that it was cool that someone can enjoy their own company. What I found most interesting is that I was able to really enjoy the food as well as critique it without feeling like I was in an eating contest so that I can finish my conversation with the person sitting across from me.
  5. Sleep:
    As much as we love sleeping next to our significant others, or share beds during our girl trips, once in a while is great to have space to yourself. We all need a night where we can hog the blanket and just let loose.

  ~S.C~