Investing Even If You Feel Broke

Investing Even If You Feel Broke

I used to be one of those people who thought I could never invest because I wasn’t rich. After reading several investment books, I quickly realized that I was completely wrong. You don’t have to be rich to invest at all. The only thing you need is patience and a little self-control, and luckily, both of those don’t cost a thing! I started investing with less than $100. If you feel broke now, it’s a good bet you don’t want to feel the same way 20 years from now. 

Here are some things that helped me along the way...

Savings: "What I Wish I Knew"

Savings: "What I Wish I Knew"

Do you have enough money saved for your future #goals? If the answer is no, or if you aren’t really sure, you aren’t alone --  just 45% of the 62 million working women (aged 21-64) in the U.S. participate in a retirement plan. Women are more likely to do part-time work that doesn’t come with a retirement plan. We also earn less on average, and leave the workforce at a higher rate to care for small children or aging relatives.

Especially if you’re young, you may think that savings and retirement planning is something for “Future You” to worry about. However, the best time to start saving is now! 

With this in mind, we asked women:   **What is something you wish you knew sooner about saving?**

What They Didn't Teach You In School

What They Didn't Teach You In School

With all of the graduations happening over the last few months, it got me thinking about my own school experience and how there are so many essential things they just don't teach you in school. Here are a few tips, especially for new grads.

How Will You Slay This Week?

How Will You Slay This Week?

We all know that both goal setting and vision boarding are important and helpful. So why is it that so many of us either don't take the time to set our goals, or that we struggle accomplishing the goals we set for ourselves?

As a team, we've recently started setting and sharing goals together every Monday morning. While we're all big to do list people in our office, and we set goals individually, the group exercise has been very helpful to the team dynamic.

Life's Hamster Wheel

Life's Hamster Wheel

Posted up in my office are the following words: Hopeful, Fun, Relentless, Committed, Successful, and Confident

Every time I look up from my computer, I see these six words staring me in the face. On days when I don’t feel confident, these words speak life to me. On days that don't seem successful, these words breathe life into me. 

What words, phrases, or quotes breath life into you? 

Oftentimes, we are grinding and hustling so hard that we can feel trapped in life's perpetual "hamster wheel." That wheel where we can’t stop, won’t "stop 'til you get enough," or do enough. That wheel makes us run so fast because we want to prove all the haters wrong. 

2017 Women of Resilience Awards

Photo:  Sergio Santos

Photo:  Sergio Santos

by: The Memo Staff

This past Thursday, in partnership with our friends at Shutterstock and Miss Jessie's, The Memo hosted its first annual Women of Resilience Awards in the Empire State Building. It was a great night, where we honored three amazing women -- Natalie Cofield, Founder and CEO of Walker's Legacy, Tanya Selvaratnam, writer, actor, producer, and activist, and Miko Branch, the Co-Founder and CEO of Miss Jessie's.

These women encouraged, inspired, and motivated us. They are business owners, speakers, authors, producers, award winners, and activists, and we were proud to have a little of their magic sprinkled on us.

In case you missed it, here are some of our favorite photos from the event:

(Photos via: Sergio Santos)

Be sure to check out highlights and some inspirational gems from the Twitter feed.

As special thank you to the following partners, speakers, and organizations: Shutterstock; Miss Jessie's; Brittney Oliver, Lemons 2 Lemonade; Angelina Darrisaw, C-Suite Coach; Gabrielle Brown, NYC Bar Diversity.

The New American Hustle

The New American Hustle

I know how hard it can be to be a single, working mother. Not because I am one, but because I was raised by one. My parents divorced when I was very young, and I grew up with my mother, a rebellious older sister and an autistic younger brother. I am not sure how she did it, but my mom managed to raise the three of us, work, and keep food on the table when things got painfully tough. She wasn’t perfect, but in the end she shaped me into who I am today. She’s shown me how strong a woman can be. She’s shown me that if it feels the odds are against you, still try your hardest, and things just may work in your favor. Most importantly, she’s shown me that I could go after what I want in life and not be afraid of having to do it all on my own.

ICYMI: Work-Life Balance, with Kateri Broussard

ICYMI: Work-Life Balance, with Kateri Broussard

This past Friday, we discussed "work-life balance" as part of our monthly #memocareerchats on Twitter. This month, we were joined by Kateri Broussard, Respiratory Speciality Representative at Astrazenica. She is also the District Director of College Chapters for Kappa Alpha Theta, a wife, a mentor, and a mother of two young boys. We discussed  a number of topics, including work-life balance, self-care, coming back from maternity leave, and having the right support system. #teamworkmakesthedreamwork.

Female Pioneers in Science

Female Pioneers in Science

Women have played an integral role in the advancement of technology, engineering, medicine, and other epic scientific discoveries. In honor of the marches for science that happened this month around the world, let's celebrate #WomeninScience, with five women who made tremendous contributions in their fields.

The Road to Passion, Purpose, and Entrepreneurship

The Road to Passion, Purpose, and Entrepreneurship

In college, many of us aspire to graduate and immediately land our “dream job” -- that job that will allow us to live the type of life we always dreamed of. Once we get out into the “real world,” however, we usually end up falling into one of two categories: 1) Having found our “dream job,” we feel totally happy and fulfilled in our careers, or [this is most of us] 2) We don’t.

Those who fall into the second, “unfulfilled” category, have two choices: 1) Keep doing what you’re doing and remain unfulfilled, or 2) Change course.

Inspirational Quotes from Women Of Color

By: The Memo Staff

As we consider our goals, both long and short term, it can be easy to get discouraged. We can all use a little encouragement and some words of wisdom time and again.

Here are five quotes about perseverance and success from women of color who inspire us:

  1. "Don't wait around for other people to be happy for you. Any happiness you get you've got to make yourself." -- Alice Walker

  2. "You may encounter many defeats, but you must not be defeated. In fact, it may be necessary to encounter the defeats, so you can know who you are, what you can rise from, how you can still come out of it." -- Maya Angelou

  3. "I can't' are two words that have never been in my vocabulary. I believe in me more than anything in this world." -- Wilma Rudolph

  4. "No person has the right to rain on your dreams." -- Marian Wright Edelman

  5. "You have to practice success. Success doesn't just show up. If you aren't practicing success today, you won't wake up in 20 years and be successful, because you won't have developed the habits of success, which are small things like finishing what you start, putting a lot of effort into everything you do, being on time, treating people well." -- Michelle Obama

Here's to another great week, ladies!

ICYMI: Leadership In The Workplace, With Kishau Rogers

ICYMI: Leadership In The Workplace, With Kishau Rogers

As you prepare to take your seat at the table, are you thinking about what it means to be at the head of the table? Quality leadership is key no matter what table you are at. Unfortunately, so many fall short, and are more "managers" than true "leaders." 

This past Friday, we hosted our monthly #memocareerchat on Twitter with Kishau Rogers, technology entrepreneur, and the CEO at Websmith Studio Inc. Kishau has led a number of teams and projects to success, and we sat down with her to discuss leadership in the workplace. 

Living Your Best Life

Living Your Best Life

Recently, I was having a conversation about birthdays and life in general. As the dialogue continued, I was asked a simple, yet loaded, question, “Are you living your best life?” 

Man down! Hold the phone! Until then, I'd never really thought about "my best life." I scrolled through my mental Twitter feed, and thought of things that made me smile: trips I had taken with family and friends, closing a deal, love, my dog, and a number of things that will go down as epic moments in my memoirs. BUT does this list of things equate to living my BEST LIFE?
 

Who Is In Your Circle?

Who Is In Your Circle?

"You are the average of the five people you spend the most time with." - Jim Rohn

Motivational speaker Jim Rohn, relating to the law of averages, suggested that who we spend the most time with matters. This quote has been repeated by many others over the years, including speakers like Tony Robbins. 

Similarly, those of us who had a Myspace account in its heyday remember the Top 8. This meant rank ordering your friend list on Myspace. Getting into someone's Top 8, or putting someone in your Top 8 was a big deal. The list was ever evolving and sometimes changed based on our moods. 
 

Informed, Uninformed, or Unconcerned

Informed, Uninformed, or Unconcerned

In January, I had the pleasure of attending the historic Women’s March in Washington, DC. It was such an epic experience for me, and I am still amazed by all the women coming together to march for so many different causes. All of those diverse causes led to one place, though: **equality**.  

Movers and Shakers

Lizzo, Image via Spin

Lizzo, Image via Spin

Happy Monday, ladies!

Wednesday was International Women's Day.

Many of you supported female-owned businesses, wore red in solidarity, or acknowledged the phenomenal women in your lives. However you spent your day, we salute you.

All of March is Women's History Month. Let's keep the momentum going, ladies.

Here are four songs by fearless women that have us feeling like the queens we are:

Feeling Good As Hell, Lizzo
Queen, Janelle Monae
Grown Woman, Beyonce
I'm Every Woman, Whitney Houston
Respect, Aretha Franklin

Here's to a great week!

But Why?

But Why?

If you have children, or have ever been around a young child, you know that one of their favorite questions is "Why?" As their little minds are growing, they are curious about everything. They want to know why the sky is blue, why you're doing that thing you're doing, why the dog three doors down is barking, why we are going this way to the store instead of that way...and when they get one answer, they ask "why?" to your response.

As we get older, many of us begin asking fewer of these questions. Things are the way they are, and many of us don't take the time to dig further into it. 

You Know That You're Toxic

You Know That You're Toxic

In the early part of my childhood, it was just my mother and me. Then my mom met a man. At five years old, I could only imagine him being someone that would come in and mess up the good thing mommy and me had going. 

To my pleasant surprise, "He" became “Daddy,” and he filled a void in my life I didn’t know I'd had. Daddy never treated me any differently, and some of our characteristics now are so similar that you’d swear we were biologically related. 
 

The Vocabulary Adjustment

The Vocabulary Adjustment

Have you ever noticed that your vocabulary can impact your mood? I know that the vocabulary of others can sometimes affect my mood--positively or negatively. Growing up, my parents would often quote the Scripture, “There’s power of life and death in the tongue.” As I get older, I am constantly reminding myself to speak life over every situation, because my words matter!