I’m all about being a hot girl and I truly believe we all have a hot girl living inside all of us. As a matter of fact, my girl Megan Thee Stallion says it best:
” ‘Cause the girls in the hood are always hard
Ever since sixteen, I been havin’ a job
Knowin’ nothin’ in life, but I gotta get rich
You could check the throwback pics, I been that * ”
So, according to even Megan, part of being a hot girl is minding your finances. Sounds easy enough but we all know it can be hard and boring. But that’s okay, I put together a quick cheat sheet so we both have a hot girl (financial) summer.
Track Your Spending
If you aren’t already, you need to track your spending. Why track your spending? It helps you stay on budget. Staying on a budget or under allows you to tell your money where to go. It helps you reach goals like saving for a vacation with your besties and helps you take care of yourself, like being able to afford regular pedis. When you track your spending, you can ensure that money is being spent in the right categories.
Tracking your spending can also help you notice different things about your relationship with money. You might realize you’re spending too much in certain areas and need to cut back. You could also notice that you spend more money when you have a bad day and are emotional. When I was younger, I myself had a shopping addiction that still rears its ugly head. I’ll get it in my head that I want to redecorate a room or blow money on a new hobby. I now acknowledge this part of myself, so I budget $100 or so a month to accommodate it. I couldn’t do that if I didn’t track my spending. Mint is an easy online platform to use or you can just use pen and paper too!
Get A Side Hustle
Earlier this year I decided to part ways with my old day job and work for myself as a freelancer. I loved my day job but towards the end, we outgrew each other and it was becoming pretty toxic as the situation progressed. After a rough, very unprofessional confrontation, I happily saw myself out the door. The reason I was able to walk away and not look back? Because of my multiple side hustles.
A side hustle can allow you to quit your job, stack extra cash in the bank, or pay off debt. A side hustle can also fund whatever dream you have or just allow yourself to have additional fun. Since hot girls are all about taking care of their business, they should have multiple streams of income, whether passive like investing dividends or active, such as pet sitting or driving for a ride-share. I highly recommend Uber Eats if you like driving, Rover if you like pets, and Instacart (use code BEE73FCA9 and we’ll both get a kickback) if you love to shop. All links above provide an additional cash bonus so feel free to sign up using them!
Drink Water, Wear SPF, Sleep
I can’t stress enough how being dehydrated is detrimental to your health. It’s the main cause of many preventable health problems like tiredness, stiff joints, and heat exhaustion. Last year, I had a first-hand experience with dehydration that I wouldn’t wish on anyone. It included an emergency visit to my doctor and swimming in Gatorade. You should always aim for at least 63 ounces a day or half of your body weight in ounces. So for example, if you weigh 150, you should be shooting for at least 75 ounces.
A hot girl also wears SPF and gets at least 7-9 hours of sleep a day. The sun can wreak havoc on your skin and have you looking rough fast. What hot girl needs all that drama? The same goes for sleep. Lack of sleep can also leave you looking rough, never mind slowing down your reflexes and leave you not operating at your best. When you feel good, inside and out, you can take on the world so make sure you’re taking care of yourself.
Look Into Investing
Women, especially Latinas, make way less than the average cis-gendered white male. Latinas also suffer the lowest from the age gap, making 54 cents to every dollar a white guy makes.
One of the ways we can close the gap is by learning how to invest. By investing for retirement, or just in general, you are creating wealth with the power of compounding interest as well as the stock market. First, if you aren’t already, research retirement plans offered by your employer. The majority of employers offer an opportunity for you to invest in a 401(K) or some other type of retirement plan. Some employers even offer a 403(b) where they invest money on your behalf. For more information, you can read my article over at Well + Good, “401(k) Versus Roth IRA: Which Retirement Savings Account Makes Most Sense for You?”
Megan Thee Stallion actually recommends CashApp for an easy way to invest. You can start your investment journey with as little as a dollar but I have something even better for you. If you join cash app with my link, you’ll get an extra five dollars. That’s five shares of stock!
Read A PF Book
Hot girls read, there just ain’t no buts about it. As RuPaul always says, reading is fundamental. It’s also a great way to learn more about financial topics, get the motivation to crush your goals, and just a productive way to pass time. Currently, I have “You Are A Badass At Making Money” on deck by Jen Sincero.
If you haven’t noticed by now, I’m pretty woo woo and into the universe. I honestly believe the more good you put out there, the more good will come to you and I’m trying hard to live by this motto and show thanks for what I have. Is it easy? Hell naw. Do I have to make an effort every single day? Yup. But I’m loving this book and the idea, no belief, that you can truly manifest a great life for yourself. As a hot girl, you deserve it.
So, those are my tips for having a hot girl summer. Now go forward butterfly and live your best life. I’ll be cheering for you from afar!
