Smaller Steps To A Brighter Future | A New Fresh Beginning

This post is part of a social shopper marketing insight campaign with Pollinate Media Group® and Payoff, but all my opinions are my own. #pmedia #payoffmindset #whatsyourpayoff

As you come into a New Year, now is the time more than ever to start planning better financially for yourself, especially if you’re right out of college.

When I graduated college, I wish I had a better plan for myself financially, and instead of spending money, in actuality, I honestly should of been saving money, for a better future.

So, in honor of it being a new year, and a new start, i’ve decided to list for you guys 4 steps on how to have a better plan for yourself financially.

Step 1:

Organization is key

Keeping track of your spending is a huge part of saving yourself some money and saving money. Every single time that you spend money, be sure to write it down in a check book, or in a planner, to keep track of how much money you are spending a day, and give yourself a daily spending limit.

JDP_0013-002 Step 2:

Take out a loan to payoff debt, and to consolidate your expenses

This is honestly something I wish I did, right when I graduated college. If you have a ton of bills to pay for and you’re racked up in debt, taking out a loan is the best way to take care of all of this. A few days ago, I was recently introduced to Payoff, it’s a loan that is dedicated to helping you payoff your credit cards, and they just make it easier to simplify your life.

I actually went through the Payoff application process to see for myself, how easy this system could possibly be.

Here’s how I did it:


1. You go into their main website which is:

2. You can either have someone directly contact you to help you set up the loan, or you can simply just click the “Apply Now” button on their main homepage. I clicked “Apply Now”, when I went to apply for mine.

3. When you click the “Apply Now” button, it gives you the option of taking out a loan from $5,000 to $25,000, based off of your credit score, and by the way, applying for this loan, doesn’t affect your credit score in any way, shape or form.

4. Then just fill out all of the required information, that it asks for.

- Starting with putting in the total amount that you’re asking to borrow.

IMG_4091- Then, just tell Payoff a little bit about yourself

Again, this will not affect your credit score, at all.

IMG_4092- Just fill in information about your income


- And make sure that you create an account, so that you can log back into the website, when you need to.

IMG_4094 Once, you have filled out all of the information needed, just simply then click “Check My Rate”, and it will let you know if you have been approved, or not.

Even if you do not get approved for a loan, the great part is that Payoff can still help you out, as they have a product called “Lift”, that is designed as a credit and money education platform to help you gain control over the simple areas of your financial aspects.

Step 3:

Take control of your lifestyle

When you start to give up little things in your life like, buying Starbucks every morning, or perhaps getting your nails done once a week, or buying clothes once a week, these can make BIG changes in your finances. I, myself, use to buy Starbucks every single day, and I actually stopped because it became too pricey, and I just ended up making my own pot of coffee in the comfort of my own home, instead of going out every morning to grab a cup. These little changes, can make big impacts, even though you may not think that they will.

Step 4:

Create financial goals for yourself in 2015

These are mine:

- I will be painting my nails at home from now on, instead of going to the nail salon once a week.

- I will manage every purchase I make, by keeping track of my expenses in a daily planner, or my check book

- I want to travel this spring with the money that I saved up from not getting my nails done, and only buying the things that I need, not the things that I want.

- I will use Payoff to keep track of my finances from now on, and now that my credit card is closed, I will not be opening another one, until I know that I have financial stability.

What are your 2015 financial goals?

I want to hear them loud & clear!



Visit Payoff on social media:

  • Facebook: @Payoff
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HYM Handbags | A Few Of My Top Favorites

I have always had an obsession with handbags and that’s a fact.

About a few weeks back, I was recently introduced to HYM. HYM was started by accessory designer, Christina, as she had an inspiring vision with the purpose of inspiring more love in people. She wanted to create something that was equal parts of both being beautiful and meaningful. That’s when she created HYM.

With each bag being designed in Canada and made in New York City, the bags are created using supple Italian leather and velvety soft baby calf hair. Not to mention that the bags also ‘stand on their own’, which I LOVE.

Each silhouette is classic and dynamic, providing something for everyone and leaving the ultimate interpretation up to you.

So, i’ve decided to put together and share a few of my favorite bags from HYM. Personally, I love the color pallet, that Christina chose to use, and I love the variety of bags.

1. The Oracle: Ivory

Oracle-Ivory 2. The Oracle: Melon

Oracle-Melon_1024x1024 3. The Knight: Black

Knight-Black_1024x1024 4. The Knight: Fawn

Knight-Fawn_1024x1024 6. The Jester: Fawn

Jester-Fawn_1024x1024 7. The Jester: Ivory


My Thoughts On The Boy Next Door | The Boy Next Door Movie

Anything Jennifer Lopez, COUNT ME IN.

This past week, I had the opportunity to see the advanced screening of Jennifer Lopezs new movie “The Boy Next Door“.


Before I went to see the movie, it was my actual first time of not seeing the trailer of the movie before hand, so going into the movie, I had no idea what it was about.

Funny enough, I actually thought it was a romantic comedy, but haha, I was so wrong!

The film was directed by Rob Cohen, and in the movie stars Jennifer Lopez, Ryan Guzman, which he is WOOOOO on fire, Ian Nelson, and Kristin Chenoweth.

I’m not going to give too many details away, but the overall plot of the movie is that, Jennifers character “Claire”, has a one night stand with her new neighbor, Noah ( which is played by Ryan Guzman ), and Noah actually is a lot younger then her, and actually becomes a student in her class, and because of their one night stand, he develops a dangerous obsession with her.

We’ve all had a creepy neighbor at some point or another right?


My thoughts on the movie were this. Jennifer Lopez is my ultimate favorite singer and actress, even though some people can’t take her too seriously because they know her as a singer, when I saw the movie, it actually made me jump out of my seat a few times, as there were some pretty thrilling scenes.

I was kind of sad that the movie ended the way it did, but I didn’t think the movie was predictable at all, and yes, I would see it again.

This movie came out last Friday, so make sure that you go see it!

My Top Favorites From The SAG Awards

For every award show, we always have our favorites, and well…non favorites.

I’ve never really been much of a ‘watcher‘ of the SAG awards, but this year, I made sure that I tuned it.

Here were some of my ultimate favorites of the unforgettable night:

1. Jennifer Aniston


 2. Emma Stone

emma-stone-1-600x800 3. Kaley Cuoco

kaley-cuoco-1-600x8004. Julianne Moore

julianne-moore-1-600x800 5. Keira Knightley


That College Girl On A BUDGET | How To Stay On Track

1379983_10152284247238868_1970731427_n Between high school, and college, those 8 years of your life in school, will be the best years you’ve ever had, and they will be gone in the blink of an eye.

Before I went to college, I wish I knew, and understood how to take care of myself financially, while still being in school, and doing long credit hours. All I really thought about before going to college, was that I was going to be making a ton of new friends, partying obviously, and well…basically just having the time of my life, but aren’t those typical thoughts everyone has before they enter college?

During my freshman year of college, and sophmore year of college, for me it was all about Ramen noodles, and the same salad every.single.night for dinner, I still remember to this day how to make that exact same salad, and yes, I want to stay as far away as possible from it now.

However, the truth is, that I didn’t have a part time job until my junior year in college, because I was taking 6 classes at a time, when the average maximum classes that you could take was 5, I over exceeded just a little bit, which made it really hard for me to even maintain a part time job, well taking classes.

If I could go back, and change my college experience all over again, here are a few tips, and just a few things that I would do differently in regards to still going to school, and being financially stable, hins, NOT BROKE ALL THE TIME.

1. Put Your Money Where Your Needs Are Not Your ‘Wants’

Rather than going out to clubs or concerts every single weekend with your girlfriends or friends, go to the store, and really put your money where your needs are. Whether you need paper towels, or toilet paper, making this decision will benefit you later on. Don’t be that person that spends all of their money at the club, and doesn’t have a cent to their name to even blow their nose because they spent all of their money at the club, rather then on toilet paper.

2. Keep Track Of All Of Your Expenses And Your Spending

Every single time that you make a purchase, jot down what you’ve spent, or just really end up keeping all of your receipts. That way, by the end of the day, you know how much you have left to pay your bills, and you’ll know how to better manage what you need to spend money on, rather than what you don’t need to spend money on.

3. Give Yourself A Daily Spending Limit

Set a goal of how much you can only spend that day. That way to don’t go too overboard, but you still have a little bit left in your wallet that can be cashed out.

4. Spend Your Money To Make More Money

Invest your money in ways of making more income, rather than spending it on things that you don’t need. This will seriously help in the long run.

Coming Soon | Partnering With My Jewel Bar

I hope that everyone is having a great Friday so far!

Ever since I was a little girl, and since I can ever remember, i’ve always been fascinated by jewelry and accessories, back home in Ohio, Charming Charlie is one of my favorite accessory stores.

diy_mjbI’m officially excited to announce that I will actually be partnering with ‘My Jewel Bar‘, designing my own jewelry, and yes, I want to make it based off of the blog!

How fun is that?


Since my style is usually ‘all over the place’, yet very edgy, and very chic, I want to create pieces that make sense. Pieces that you can wear on more than one occasion, but also pieces that are very different from one another.

 Also, when the necklaces are created, you will be able to shop the pieces at ‘My Jewel Bar’, and I will also be hosting a giveaway from time to time on the blog as well, so be sure that you lookout for that too!

I’m just as excited as you guys are, so be sure to be on the lookout soon!


The Ultimate Trend: The Earring Cuffs | Forevermark

Who knew that ‘Earring Cuffs’, would actually become this MAJOR Hollywood trend?

Well, I was recently introduced to the brand “Forevermark“, and I must say that they actually have some pretty amazing earring cuffs, and a total plus is that they all are in different styles!

Here are a few of my personal favorites:

rahaminov-cluster-earring-cuff-fmer1070 CLUSTER EAR CUFF

jtr_earring_fm3016eg_hero LUNA EAR CUFF



Moving To L.A ? Maybe You’re New To L.A ?


Los Angeles is the city of dreams, the city where everyone has a dream, and the city where everyone wants their dream to well…become a reality.

Everyone wants to live here, and everyone just wants to be here.

When I was a senior in high school, my only goal that I had set up for myself, and I literally mean “ONLY GOAL“, was to move straight to Los Angeles, go to school for fashion, and well, see where the road would really take me from there.

Had I known a little bit more about the city along the way, as an 18 year old, I would of honestly gotten around the city much better than I actually did.

So, since a lot of you have been asking me what it is actually like living in Los Angeles, i’ve decided to compile a list of a few tips and tricks that will help you get around the city better than you would , if you’re new and unfamiliar with the area.

1. There’s Usually Going To Be Traffic Wherever You Go

If you don’t like traffic too much, and you’re impatient, this city might just not be for you. I am not an overall fan of traffic, but I can handle it to a certain extent. If you have a car, and you have places to be, remember to always leave an hour or TWO early. When I lived in the city, for about 6 or 7 months, the word ‘on time’ didn’t exist to me. I was always late, and always in trouble.

2. Don’t Act How You Preceive L.A On Television

You’ve more than likely seen Hollywood on your television more then once, and you’re more then likely to have also seen it in movies. It’s actually kind of funny because every time my friends from Ohio come to visit me in L.A, they actually do what i’m going to talk about.  Just because you see L.A in movies, and on T.V, that doesn’t mean that the city is actually like that. Hollywood is NOT glamorous, it’s actually really dirty, and pretty disgusting, and in parts of L.A, it’s like that too. Don’t walk down Hollywood Blvd, in your high heels please. People do it all the time, and it just makes you look ridiculous. Be yourself, and just be the person that you’ve always been, no matter where you are, don’t change yourself because you’re in “Hollywood”.

3. Don’t Shop At Little Privately Owned Shops… Parts Of Melrose Ave.

I learned this just in about the first month that I moved here. The majority of little shops & privately owned shops that you see around L.A, are shops that bought a ton of merchandise from downtown L.A for very cheap, and they are selling it to consumers for triple the price. Your best bet would honestly be to go to the outdoor and indoor malls around L.A.

4. Don’t Make Friends Just To Have Friends. Really Find Special People.

When I first moved to L.A, I felt like I had a ton of friends, and I felt like I was on top of the world. Within the next year, I realized that friends in L.A come and go. Basically everyone in the city is focused on their careers and their own goals, which there’s nothing wrong with that, but then you just start kind of getting a bit lonely. When you do find that one person in L.A that will stick by your side through thick and thin, that’s the true friend to keep. People also tend to lie, and be very fake.

5. Your Late Night Best Friend, The Best Late Night Food You’ve Ever Had.

In N Out Burger, Jack In The Box, and Kitchen 24 will be your best friend past midnight. Jack In The Box, and In N Out Burger, are usually your best friend late night, when you’ve had a bit too much to drink, or when you’re just leaving the club with a few best friends. Kitchen 24 however is gold at any hour past midnight.

6. You Want To Have A Car As You Will Have So Many Sights To See

I lived in San Francisco for a year. When I did, I realized that your own transportation wasn’t necessary, as they had public transportation EVERYWHERE, and i’m not even joking. In Los Angeles, that is a TOTALLY different story. Everything may sound close to you, but it’s not, unless you live in Hollywood, and you want to be in Hollywood 24/7, which I guarantee you, you won’t want to. There are so many sights to see, and so many places to be in the city, like San Diego, Laguna Beach, Huntington Beach, and so many more other places. You want to have a car, explore, and get around.

7. Some People Take Things Way Too Seriously And Hate When You’re Happy

When I first applied for a job in Los Angeles, it was actually at a talent agency. I was told in the interview that I was “WAY” too bubbly and outgoing, and that I wouldn’t get the job because of that. Lets just face it, the women looked seriously miserable with her awful plastic surgery, and she was just quite jealous of my upbeat attitude.

People in this city will bring you down sometimes, and put you down because they just want to be better than you and better than everyone else. It’s a tough competition out in this city, and even pretty exhausting, but you really and truly just have to keep on pushing yourself and moving forward, and remember that someone is only making you upset because they are miserable with their own life.

H A V E   T O U G H   S K I N

Inspiration For Redesigning Your Home | The Month Of February

When it comes to re-designing your home, it’s always difficult to find sort of that ‘middle’ between what inspires you to decorate in the first place, and what design look you should go with based off of the season.

With the month of February coming up { ahem, Valentines Day }, here are a few inspirational pieces that will make you feel inspired for decorating your home, and being seasonal ready for February.

1. 50c85c19349cd89820b2fb63f10a301b (1)2. 

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