Your Youth & Your Youthful Finances (“I Got Money” Talk)

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Do not get me wrong here folks I am not bragging about my finances, not one bit. I do understand that some people may not agree with this post on the basis of…”Everyone does not have it like you, Travis.” Which I totally understand but just like them I do not have it like others! I have put in my work and will continue to do so.This is a simple post about how I feel when it comes to my generations finances and how they need to be better! Along with what can be done to have better finances. A lesson may be taught from this. Yes, you may have something that is above zero but do you know how to spend it? So you saying “I got money” will be “I had money” in a few right? 

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Within our generation and I am speaking for the 90s babies majority of us do not know how to save money or what to do it (from what I have seen). Unless it is something illegal (weed) or something that is not a must-have such as sneakers, then we will spend our money on that faster than we will spend it on buying a car or anything else that is deemed important. How do I know? At one point I was guilty of this and some of my friends were too. So who put me on point? My oh so wonderful mother also known as The Finance Bar. Some of us have grown out of it due to it happening within our younger years! “What are you getting at Travis?” is what you may be asking. What I am getting at is that….IT IS TIME TO GROW UP PEOPLE!!! It is time for us to grow our money! Yes, I know it can be hard. But are you willing to sacrifice? That is what it is all about. For example, if you do not know I am a military guy so I have spent overall maybe three months of time just dealing with military stuff. As a result, I did not see my friends and family, missed out on parties…I EVEN MISSED OUT ON MY UNIVERITY’S HOMECOMING AND WE HAD WALE THAT YEAR!!! Aside, from that when I was in high school I worked at Chick-Fil-A, and if I could help it I would work every day other then Sunday, of course, to make sure I had that extra cash. That was around the time I figured out how to pay for skip lines at parties. Yea, I am that guy….RIGHT UP INTO THE PARTY I GO!!! I refuse to wait outside and you should too. It was all because I saved and I am not the only one who has done it! I know plenty of people who put in that extra work and you can too. You wanna know what you can do? Let me tell you:

  • Limit your spending habit. A budget is always good to have.
  • Whatever you receive put 10% of it in your…SAVINGS ACCOUNT!! That is what it is there for… to save.
  • Know when to say “no” to outings. If you do not have it you do not have it. (Not having it does not mean broke it means that whatever it it does not fit within your financial goals)
  • If you work take up some extra shifts. Maybe another job if you are able to. There is nothing wrong with the “you are always at work” it’s because you are always at the bank. HA!! (College students finding an on-campus job saves gas and time)
  • If you are willing to make a time to sacrifice and commit, join the military either full-time or part-time. Unless your job calls for it….YOU ARE NOT GOING TO WAR!!!
  • Stop buying clothes for every single party! No one likes a broke socialite.
  • Illegal substances and alcohol you do not and I repeat do not….NEED THEM!! 

Those are just a couple tips I do myself and they work for me. I have had those late nights and nights where I wanted to give up but you can’t. Use this year to get to those #lifegoals that you post on IG. Overall folks, it is time to put in real work which is sacrificing just a little bit. You will thank yourself and your bank account later!

I SPOKE ON IT!!

 

 

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5 Things I Have Learned from Owning a Small Business (College Edition)

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As a college student owning a small business things can get pretty hectic. I mean the balance between mid-terms along with finals and creating a new collection and gathering the new art and paying folks on time…sounds easier said than done. But there are some things that this small clothing brand owner has learned over the years.

  1. Using What You Learn in Class towards Business

Due to me being a mass communications major and a psychology minor I learn a few things that I put towards my business. For example utilizing thirty seconds and at times keeping things simple to show off a bigger picture….if you get what I am saying. For example, the pop up shop event that my brand hosted I utilized simple colors and a simple background for the flyer instead of clogging it up with unnecessary things. Due to me learning in my psychology class that you if you give the mind too much to look at it will stop paying attention and move on to something else. Along with learning in my mass communications class if you present something that has too much going on the public will not know what you are promoting. (Oh and yea that was my event in the featured image section)

2. Utilizing your University

Being a student you meet many…..many….many…many….many people (plus my school is beside another HBCU) so I know a lot of other students. Which means I have nothing but talent around me and other African Americans who have the ambition to work hards for their ending goals in life. So when it comes to art I will see if a student can do it or when I need pictures taken I’ll try to find someone on campus who does photography. Majority of the time if the person is just starting out they may charge you (small fee) or run you the free ninety nine special. No matter what it is you will feel better helping someone out and building them while they help build you.

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3. Your Campus Is Your Support System (No Matter if you Mess up)

When I became an official student of Claflin University I did not know what to think when it came to my business due to it being based so heavily in Charlotte, North Carolina but…..after a few conversations with some students who have some social pull within my school. The whole campus opened their arms to my business and said “come on it there is more than enough room for you” so that is when my brand began to get invited to show in events on campus. Overall, folks wanted to buy my stuff. My campus became my major support system along with one of my biggest marketing tools….like let’s not forget everyone is going home with my stuff and when they wear it hope their friends are asking where they got it from….but I cannot tell y’all all of the secrets.

4. Knowing How to Budget that Small Bit Of Money

So as college students for funds at some point may be slow! Even though I have some income streams there has been times when….something was not adding up money wise. With that money I am receiving I am able to still have the nights where I want to eat some unhealthy Cook Out but still be able to pay the monthly fee for my website among other things such as restocking on shirts and hats. I have had to scale back and eat majority of my meals in the cafe and not once step foot off campus to a fast food…all in sacrifice for my small business.

5. Friends Will Help You No Matter What

Do I hear free volunteer work and creative advice? Yes, I do. My close group of friends help me out more ways than one. They even purchase everything that they own of mine and never ask for anything for free. Along with if I send them an idea they will tell me in the most blunt way…..”Travis that is ugly we need something better.” Due to the fact of they all have creative minds like me. If you do not have that within your group of friends there is someone who can give you advice. Along with any events I work they are more than willing to help me run my table at no charge….or they may just want some food or a simple milkshake. Your real friends will help and support you with anything just make sure you do the same for them.

Overall, my experience with owning my business has been quite positive. There are days where things do not look the best but I know that I can and will turn it around and make it something amazing! So for all of my college students it may seem difficult to own a business and be a college student but once you get things down packed and know what you are doing things will become second nature. Stay blessed!

I SPOKE ON IT!!! 

Wendy Williams You Know Enough To Not Try HBCUs! But you tried it…

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Most of you know who Wendy Williams is correct? If not I will give you some background Wendy Williams in simple terms is a radio personality who now has her own television show. Who is known for her trash talking and getting the facts out of folks which is her job if I must say. Simple right? Right, well her trash talking has gotten her in trouble like it always has but this time with the wrong group of people. Historical Black College/University students also known as HBCU students is the group that has been firing Wendy up. Maybe not fire…the hot chicken grease for fried chicken Wednesday is what they are dipping her into. Only my HBCU students would know what I am talking about. I digress. As she was speaking about the powerful Jeese Williams speech on the BET Awards…well I will let you read her statement yourself:

“I must say to you, he was on BET. His speech was very poignant,” Wendy says on her show this week. “On the other hand, I would be really offended if there was a school that was known as a historically white college. We have historically Black colleges. What if there was the National Organization for White People, only? There’s the NAACP.”

After her statement she then says “racism sucks” maybe that was her way of trying to make things up but I was already fed up at that point.

  • For someone who is going into the same field that she is already in she probably said that to further herself and the show into the press. Think about it if folks talk about you…you are relevant!

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  • For someone who currently attends an HBCU (going into my junior year) and knows their history HBCUs were founded during a time where African Americans (Black) could not go to college (my school was founded in 1869) so we decided to make our own. Caucasians (White) did not have to worry about that during that time but we still gave their schools an acronym which is PWI which stands for predominately white institution. HBCUs are not meant for only African American students not at all we accept all walks of life that is just a stereotype that we have since we have majority of African American students and professors at some schools. Majority of the time any other race will receive a minority scholarship for attending an HBCU! Of all things Wendy didn’t attend an HBCU she went to Northeastern University. Don’t speak on anything if you do not have any knowledge of it! Plus, I am a memeber of the NAACP so you telling me that the organization that I am a member of offends people? Ok. Caucasians have more than enough organizations to help them.

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  • For someone who actually enjoys Wendy Williams and what she does for entertainment it is almost disheartening for her to try to get in on something that is very controversial in this day in age. Not saying she cannot speak on issues but know what you are saying before you say the wrong thing. Some are comparing her to Stacy Dash who has pretty much been deemed “whitewashed.”

Now a person who I have always looked up to that gathered Wendy all the way together has to be Roland Martin here is what he had to say:

Everything he said is so true because it simply felt as if she did not educate herself enough.

I SPOKE ON IT!!!

Desiigner Has #NoBroadsInAtlanta! Did He Really Scam The ATL Greek Picnic? $10,000?

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If you do not know who Desiigner is he is the rapper that made the catchy hit song “Panda” you know the song…”

Panda, Panda
Panda, Panda, Panda, Panda, Panda

I got broads in Atlanta

Yea, that guy. Who everyone says sounds like Future! But, I digress.

So if you know anything about greek life you probably know about the Divine 9 which has 4 sororities and 5 fraternities and every year the Atlanta Greek Picnic is held to celebrate the unity of the Divine 9. Long description short it’s a fun time for members of Divine 9 organizations and non-greek folk.

The rapper is getting flamed on social media after he felt the need to skip out on a…PLANNED….performance at the picnic. June 10 was going to be the day that he needed to appear but from what I am reading he never appeared and running off with $10,000. Yea, 10 stacks, 10 Gs, 10…how ever else you may say it. Organizers of the event went to the wonderful website of Twitter to express how they felt: (Thanks Bossip)

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You see it…A PRIVATE JET?!?! Let’s be real here. The world doesn’t even play with him like that.

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So what social media was next on the list? My favorite Instagram where folks were commenting the not so well used corn emoji to let him know what he did was very corny! Cute right? Yea, I know.

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So what made him skip out? Why would he skip out on a big performance like this? What other bridges has he burned? Overall, I must say this no matter what you do in life…HUMBLE YOURSELF!!!

I SPOKE ON IT!!! 

Drake Has Released The Video for “HotLine Bling” (I Dig It)

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On the night of October 19th, 2015 Drake released the visual for the #2 song in the country “HotLine Bling”. Aside from the amazing women and the slight caribbean dancing at the end the video is something serious. Wasn’t too much going on like I thought there was going to be. All he had was some colorful lighting and a pretty much a box he was in and called it a video. Overall I give the video 9.5 distracting Drake hand motions out of 10. Now…I do enjoy Drake’s music but to me he is another Kanye when it comes to dancing like they try to dance and they feel the music but it doesn’t show just the way it should. I digress he can do that he has the money and the power I am just a little o’l blogger trying to get his 4-year degree. Here is the video (Click on the GIF):

Now, for my sneaker heads who are wondering where you can cop those Nike ACG Manoa Drizzy Drake had on they can be found on Foot Locker’s website. In my oh so cool technical savy way I have attached the link to the picture and it will take you right to the page to purchase them. I just might cop a pair these are in my budget.

Nike ACG Manoa - Men's

Nike ACG Manoa – Men’s

 

I SPOKE ON IT!!!

P.S: Thank you Complex.com for the shoe find and video link GIF. 

NORTH WEST HAS BEEN REVEALED!!!!

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Baby…NORTH WEST!!! (Source: Twitter)

Kim Kardashian and Kanye West (Photo Source: UsMagazine)

The famous rapper Kanye West and the also famous Kim Kardashian child North West has been shown. It was rumored that Kanye & Kim were waiting for the highest offer from a magazine to get a picture of North but that rumored has been squashed. The 36 years of age dad joined Kris Jenner for the season finally of “Kris” her talk show and he brought a surprise with him…NORTH!!! All I know is this baby has Kim written all over her. Kim has some very strong genes. I’m happy for the parents and we all know this baby has some big things coming to her. 

I SPOKE ON IT!!!

 

Two Queens Going At It Lady Gaga Vs. Perez Hilton

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Lady Gaga & Perez Hilton at the AMA Awards
I do not own this picture

So the two now former close friends have been going at it like two cats going at a piece of fish.  The feud from what it looks like stems from Perez Hilton tweeting Thursday that Katy Perry’s new single “Roar” is better than Lady Gaga‘s new single “Applause”.  That next day Lady Gaga, who just healed from a serious tear to her right hip, spoke upon a text that Perez sent her making fun of her injury. “Still have the text Perez sent me of me in a wheelchair with the words KARMA written across + Madonna pointing a gun at me,” Gaga tweeted. Then Sunday Lady Gaga went in and let have, when she accused Perez of stalking her when one of her fans (Little Monsters) saw Perez in the apartment building that Gaga lives in. “STAY AWAY FROM ME + MY FAMILY YOU ARE SICK TRYING TO RENT AN APARTMENT IN MY BUILDING TO STALK ME. LEAVE ME ALONE!!!” is what she tweeted talking about what happen. Perez, who lives in Los Angeles, said last week that he is moving to NY with his son via a surrogate in February. He responded to Gaga’s tweet Sunday night with a post on his blog PerezHilton.com, with the title being “A Statement On Lady GaGa’s Lies.” In the post he’s explaining that he was innocently house hunting in New York and he later learned that one of the buildings he visited was actually Gaga’s building. “After a day of innocent house-hunting, I am devastated and my heart hurts that my former very good friend, a person I used to call my ‘wifey’ and traveled the world with, is making very public and very untrue allegations about me on Twitter,” he wrote, plus “it is still too painful” to really reveal what happen to their friendship. As a result of Gaga’s tweets, her fans have sent death threats and derogatory opinions to him and his 6 month old son. “If her fans want to send a message of support to Lady GaGa, they should buy her music,” Perez wrote. That was a small reference to several media outlets saying that her new single is a flop. A couple of minutes after Gaga tweeted saying “I’ve been quiet for a long time, not this time,” Perez got the last tweet in though saying “The truth will all eventually come out. It usually does!” Well, this blogger wants to see the “truth” he speaks of. I’m a Lady Gaga fan but if Mother Monster is wrong I’ll say she is and even tweet her saying that she is even though she probably won’t see it or even reply. We all know Perez has too much mouth even though he tries to cover it up because I was looking for those tweets again to quote some more and I couldn’t find them. Now he is acting like a big victim with his tweets that night. He deleted all of the accusations towards Gaga so to me that speaks volume. Just know that I’m ready for the truth and I’ll be buying Art Pop (Gaga’s new album). (Source: CNN)

I SPOKE ON IT!!!

Raven Simone Done Stepped Out Of An Clear Closet

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AzMarie Livingston & Raven Simone

Now Ms. Raven Simone star of That’s So Raven that long time ago came out of the closet recently on Twitter. Are you surprised? I’m far from it. Most people are not surprised because they knew she was a lesbian.  I mean no harm but have we ever seen Raven link to men romantically, plus rumors have been around about her dating various high profile women. Some of us knew that Raven Simone was dating AzMarie Livingston for years. Do y’all remember AzMarie? I know I do. She is one of the androgynous models that got her little bit of rise from America’s Next Top Model British Invasion. We all knew just didn’t make a big deal about it. I’m proud of her that she confirmed it with the public now she can live her life without feeling the need that she has to hide it. (Source: FunkyDineva.com)

And furthermore, yesterday (Friday August 2, 2012) Raven Simone just said it all saying:

“I can finally get married! Yay government! So proud of you.”

“I am very happy that gay marriage is opening up around the country and is being accepted,”

“I was excited to hear today that more states legalized gay marriage. I, however am not currently getting married, but it is great to know I can now, should I wish to,”

The Tweets