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Marette Flora
Ignoring where it started Not having an emergency fund You don’t have a plan for your money Borrowing from your retirement You’re waiting Not knowing your why Trying to pay off everything all at once Taking out a home loan to pay off credit card debt Not specifying extra money is for the principle only You aren’t automating Closing out paid off credit cards Don’t enlist support RELATED READSThis post is sponsored by Lexington Law, thank you for supporting brands who support TCM. As always, all thoughts, opinions, experiences, and advice are my own. Last month I shared the 7 Habits Of Debt Free People, which you guys loved!! After talking to some of you, I realized that knowing the habits of debt free people simply isn’t enough. The reality is, we ALL make mistakes when it comes to our finances. Most people have had to focus on paying off debt at some point in their lives. Getting out of debt takes time, a debt repayment strategy, and awareness. Today, I wanted to help bring some awareness to some of the most common mistakes people make when paying off debt. I hope these help you in your debt repayment journey! 12 Mistakes People Make When Paying Off Debt Ignoring where it started Yes, paying off your debt is priority number one right now, but not getting back into debt should be priority #2! Debt-nial is a real problem folks! You need to figure out where the problem started in order to not repeat history. So whether it was an unexpected job loss or mindlessly spending, take a look …
8 Summer Accessories To Transform Your Wardrobe On A BudgetWhether or not the weather where you live is co-operating, most of us in the northern hemisphere are heading into summer. The temptation to buy a whole new closet is strong (thanks Instagram!), but not viable for most of us.Enter the humble summer accessory, whose transformative effect on our existing clothes collection can be huge, and not a disaster for our bank accounts (as long as we stay away from the designer end of the market)So, what are the must have summer essentials to add to your closet for 2019? Glad, you asked, here’s my top 8:Woven AnythingFrom totesto cute little box bags, from mules to booties, woven rattan, leather and anynumber of other materials are everywhere this summer. I’m a big fan of this circle straw tote from Universal Thread ($32.99) and these Chinese Laundry Corra mules in white ($79).Tortoise Shell JewelryThetortoise is having a moment. Its shell design is being copied on earrings,necklaces, bracelets and… did I mention earrings? You can’t enter a storewithout facing a wall of it, in multiple different colors and styles. Forever 21 has a great selection, as does Target (believe it or not Target is full of undiscovered goodies.)Forever 21 Tortoise Shell Drop Earrings ($5.90) Target Women's Disk Post Earrings - A New Day Tortoise ($7.99)Versatile Beach WearI love amultitasker. The kind of piece that will see you from the pool to therestaurant and back, and maybe even the office with the right accompaniment. For example, this one-piece tiger print suit from Asos ($38.00) will obviously do great work in the sand and surf, but add jeans, a blazer, and some chunky jewelry and it’s great for the bar or maybe even a business meeting (depending upon how formal your work environment is.)Or Try This Walmart Swallow Gird One-Piece AnkletMost of us went through an anklet phase as kids. Now they’re back and very much grown up. Shell and pearl embellishments bring them bang up to date and give a super summery vibe. Check out these versions from Free People ($28.00) and ($30.00) respectively.Free People River Way AnkletFree People Pearlized Anklet SetHeeled Flip FlopsThese may sound like a truly terrible idea and it might be a splurge for some, but when cult LA brand, The Reformation launches a shoe collection which largely consists of them, you know there’s something to the trend. The Reformation Caroline SandalPerhaps it would be less off-putting to simply call them low heeled strappy sandals? The floss-like nature of the straps is definitely part of the look and for some may not be viable (if your feet need more support,) but give a few brands a try and you just might fall in love. And if you feel really daring, wear the anklet at the same time – double trending.Jeffrey Campbell Goalie Kitten Heel Flip FlopsCat Eye SunglassesProbably the easiest way to update your summer look is with your eyewear. Affordable brands abound (just make sure they are providing you with the right UV protection) and you can push the envelope in ways you probably wouldn’t dream of with your clothes.These mint designs from Quay (currently reduced from $68 to $34,) are really floating my boat at the moment. Quay Australia Mint Cat Eye SunglassesThese Guess pairs can be found at Nordstrom Rack ($24.97) and are great if you want something a little more subtle. Guess Cat Eye SunglassesBucket HatsYes, the big straw hats which have been all over Insta for the past few summers are still around, but if you want to update your look, check out the less than glamorous sounding “bucket.”It has been seen on Bella Hadid and Rihanna, so this is a real trend. Plus, it’s much easier to pack in your suitcase and will still protect your ears from the sun’s rays. I like this canvas one from Zappos ($40.99)Zappos Hat Attacked Washed Cotton CrusherOr it's chambray counterpartBelt BagsThese guys have been on the scene for a couple years now, but they really have come into their own recently. We don’t need to wear bulky sweaters anymore to enable hands-free partying in what is now officially called “festival season.”A little more sophisticated than a pure fanny-pack (or bum-bag, as we call them in the UK,) there are myriad options in the stores at the moment. I’m loving this faux snakeskin and quilted version from Boohoo. Boohoo Snake Belt BagBoohoo Quilted Belt BagSo there you have it, some ways to update your summer swag for 2019. Which are on your wish list? Which have you already snapped up? Let us know in the comments!