The Ultimate Women’s Empowerment Event – The Other Festival 

Now is most definitely the time of year for festivals. The festivals that you would usually hear of only consist of musical artists and bands. However, there’s a festival this weekend (Saturday, June 11th) in TriBeCa NYC that is like no other! Hence the name, The Other Festival. 

The Other Festival is all about “connecting, building, and supporting  entrepreneurial spirits in the face of an ever changing world.We are the best, the strongest, the boldest of our generation. We are a squad of renegade businesswomen in the form of artists, musicians, chefs, photographers, entrepreneurs, activists, inventors, storytellers, designers, and we are here to make things happen.” – The Other Festival 

This event is brought to you by Women Inspiration and Enterprise (WIE), which is a social enterprise that works to provide emerging women leaders with the tools to succeed in their careers. WIE is founded by Dee Paku-Spalding, who is a social entrepreneur born in the UK and raised in London. A former Hollywood studio exec, Paku has now begun a career in brand marketing and promotions. 

The Other Festival showcases the makers and creators of this generation, the women who are redefining how to do business, setting their own rules, putting new systems in place, pushing their own agendas. Inventors, storytellers, founders, artists who can’t be boxed in.

This festival will showcase a group of elite women; their background and their career work. Through this, many females will have the opportunity to glean from their journey. It’s about embracing the other, but also embracing you. Embracing who you are, what you offer, and your journey towards success. There will be workshops, discussions, along with a concert. A full day of sharing and gleaning. 
Speakers include: 

  • Naomi Campbell (Model)
  • Rosario Dawson (Actress, Activist, Entreprenuer)
  • Reshma Saujani (Founder, Girls Who Code)
  • Lindsey Stirling (Musician, Vlogger)
  • Melissa Ben Ishay (Founder, Baked by Melissa)
  • Beverly Bond (Founder, Black Girls Rock) 

And many more!

Musical Guests Include:

  • Justine Skye 
  • Brooke Candy 
  • Vashtie Kala
  • Grace Weber

And more!

Don’t miss out on the opportunity to sulk in all that you can from these very powerful women in business. Women who have owned who they are and will be able to share and showcase their journey, their sound, and their careers. This is a festival you want to be sure to attend! 

LovelyMissJones is all about sharing ones experience to benefit the lives of someone else, so you know we will be on the scene! And we want to see you there! Purchase your tickets today by visiting theotherfestival.eventbrite.com. 
  

  

The Crippling Effects Of Fear

These past few weeks, I’ve had incredible writers block. It was a struggle to produce simple articles. Articles that would normally take me an hour or less. It was difficult to think of topics, and difficult to complete anything. I thought it was simply writers block, but I recently noticed that it has a lot to do with fear. 

I can be honest and say, I’m not satisfied with my life. I feel like there’s so much more, and I haven’t been able to tap into it. My career, writing, business, family, relationships, church; all of the things that are important to me, are not in the place that I’d hope it would be in. Although, all things happen within the right timeframe, one still has a responsibility to do something in order to make things happen. There has to be some type of action or movement in order for there to be success. 

I’ve been able to admit my fears in the past, along with overcoming stories. However, I now realize, the fear that I’m currently facing is a little different. It’s on a different level. I realized that I’ve subconsciously been afraid to go beyond what I’ve been currently doing. Not satisfied with it, but afraid of more (in a sense). I sense there’s more, but there’s still fear of failure.
Afraid that I don’t have enough money, afraid of the opinions, afraid that maybe my thoughts are a little too big. Maybe it’s not realistic. Afraid that it’ll all come crashing down. But in all actuality, what do I really have to lose. This is the perfect time in my life to take a risk. Although things may have fallen apart in the past, what do I really have to lose now? 

After a conversation with a friend, I really had to sit and ask myself that question. If I’m not in the place that I know I should be in, what is there for me to lose. I can’t be so concerned with why I wouldn’t be able to get to where I should be, more than the possibility of never getting there. My fear literally had me in a dark place. Writers block for a writer who loves what they do, is a place you don’t want to visit. You’re literally stuck. And it’s the same for any passion or dream. Fear literally cripples you. It keeps you in a place where you’re not sure which way to turn. I absolutely love what I do, but I became stuck because there’s so many ways that I want to expand from this blog. I struggle with how I can reach more people, how I can fully monetize from it, and how I can ultimately build my business and complete my book. And that’s where all of the fears I mentioned comes into place. But over the course of the past few days (The ending of last week) when I began writing this post, I realized that I needed to pull myself from that place. Fear comes from ourselves, our own thoughts. Therefore, making the choice to shift, comes from within. We can’t allow our fears to overpower the possibility of us reaching the level of success we were destined to reach. 

I want to end this post with a story that I heard Sunday morning during the sermon. The preacher told a story about a woman who was given a gift to write. God gave her the idea for the book, but her focus was on other things (being busy, why she couldn’t do it at the moment, time, money, etc) rather than what she knew God had placed inside of her. She never did it, and someone else wrote the exact same book she had been given. She later decided to write the book, but it didn’t have the same effect that it could’ve had had she written the book when God called her to do so. She missed her moment. I don’t want to miss the moment focusing on everything besides the goal. And I don’t want you to miss your moment focusing on everything besides the goal. We have to take the risk and jump head first into fulfilling our dreams. Others are depending on it. If we don’t do it, someone else will. Don’t miss your moment. Don’t remain stuck. Don’t allow your fear to cripple you. If you’ve been given a gift, it’s usually bigger than you could’ve imagined. But that doesn’t mean it’s impossible, that’s how God works. If He’s given it to you, He’ll provide the resources that’ll help make it happen. But you have to trust Him and the gifts and abilities that He has placed inside of you! Be encouraged, don’t stop putting in work. Keep your eyes on the goal! 

  

Lovely Miss Jones Scholarship Brunch

After an unforeseen setback, I’m happy to announce that the Lovely Miss Jones Scolarship Brunch is most definitely still on! December 19th, if you’re in the NYC area, we would love for you to attend this event!

There is no secret that a big issue in many of our communities is difficulties with college tuition, along with other financial obligations while in college. And because of this, Lovely Miss Jones would like to help alleviate that stress off of our youth today. It is important that they go off to school to educate themselves, and further pursue their dreams. However, there are many that are not afforded this opportunity. Through this scholarship fund/brunch, we will be able to award students with a monetary gift that they will be able to use for school. Please help us, as we intend to help this next generation reach their goals.  

Tickets are on sale now for only $15. For an afternoon of brunch, entertainment, networking, and speakers, that’s a steal! It’s all for a good cause. Purchase your tickets here. If you can’t make it, please donate to the fund! 

Don’t miss out on an opportunity to give back during this holiday season, and be apart of a change in someone else’s life. Support and share! 

-Miss Jones

Editor’s Note: Lovely Miss Jones Scholarship 

Good afternoon loves,

Time is surely winding down. We need your support to raise funds for the scholarship. It is our hopes to assist a college student (s) with a scholarship award to assist with their college expenses. We can only do this with the help and support of you all. This next generation is in need. These are our future leader, let’s help them reach their goals!
Please visit gofundme.com/LMJScholarship! Please help us reach our goal in order to support our future doctors, lawyers, teachers, politicians, etc!! We can do this together!

~Miss Jones 

Editor’s Note: Lovely Miss Jones Scholarship 

I need your help! With just 2 months away from the one year Anniversary, it is my hopes to help someone financially with college. After becoming a tad bit discouraged with the lack of support, I realized I have to keep pushing. It’s not about me, but the benefit of someone else. With that being said, please find it in your heart to help me as my passion is to help create change in the lives of others. Especially this next generation. We can help make a difference and help them reach their goals. Visit gofundme.com/LMJSCHOLARSHIP to make a donation! Thank you in advance. We can make this happen! Donate and share!

-xo Miss Jones 😘

Get Your Finances In Order: Interview With The Budgetnista

“Women get together and we discuss men, children, and our lives over a glass of wine. But how often do we talk openly about finances? We say, ‘The Lord will make a way,’ and that’s true. But I’d like to empower myself.” Whether you’re in your twenties, thirties, forties or fifties and beyond, it’s not too late to get started. This quote is from an article in the February’s issue of ESSENCE Magazine. 
So often we get together with our friends and loved ones to talk about life and all of our issues. But how often do we discuss financial struggle, along with the importance of saving or budgeting? It wasn’t until my last year of college, when I was about to graduate, I realized the importance of saving and how I should’ve done that during my journey. 
After finding out about the Live Richer Challenge (a free, online financial challenge created by The Budgetnista to help women achieve 7-specific financial goals in 36 days. Currently over 15,000+ women in all 50 States and 52 countries, have signed-up and participated in the LRC.) and hearing her on the panel at a financial education event; I had the pleasure of interviewing financial educator, Tiffany “The Budgetnista” Aliche. The Budgetnista has been featured in The New York Times, US News and World Report, the TODAY show, PBS, Fox Business, MSNBC, CBS MoneyWatch, TIME, ESSENCE Magazine, and FORBES. She regularly blogs about personal finance for The Huffington Post. She has also been has been a featured speaker at American Express, Princeton University, Wyndham Worldwide, Columbia University, Circle of Sisters, MegaFest, The United Way, Prudential Financial Inc. and many more.
Below you will find a few highlights from the interview where you’ll get to know a little more about Tiffany, as well as get some useful tips on how to get your finances in order. 
Miss Jones: How did you decide to start this journey? (Entrepreneurship)

The Budgetnista: Life decided for me. I was a school teacher for ten years. The school I was working for lost funding and everyone lost their jobs. I was relieved because I knew it was time to move on, but I was scared as well. You can do all of the right things and still be without a job.  

Miss Jones: For those who may not know, tell us a little about your business.

The Budgetnista: I have a financial education firm, which helps people with basic finances. My audience is predominantly women. I work with sets/groups of people and companies. Because I was an educator, I am able to teach in these settings. I’ve worked with companies like Prudential, United Way, and more. 

Miss Jones: What life experiences growing up contributed to the career path you have now?

The Budgetnista: I grew up in a household with my father, who was a financial banker. My father always talked to my sister and I about finances. When I got my first job, I had to talk with him about my paycheck. So I was able to master that at home. The rest was natural progression. I taught preschool, which played a part. The younger the age, the better to teach. College age students have knowledge, while preschoolers have no knowledge at all. You have to teach them everything, and that’s the best place to start. If you can teach preschool effectively, you can teach anyone. 

Miss Jones: did you ever think you’d write a book?

The Budgetnista: Yes, I always though I would but I never knew what it would be about. When I was teaching, the parents would come in around nap time and I would help them with their finances. As I was helping them, I would write it down. And eventually u wrote a book about it.

Miss Jones: Did you ever think the LiveRicher Challenge would be as big as it is now? 

The Budgetnista: Yes and no. I thought it was a great idea, and would be great to do. The I thought to myself, ‘it’s too much, no one’s going to do this.’ It was the same with my book. It humbled me. What the challenge is doing now, is something I dreamed of. 

Miss Jones: What are some of the goals you’ve had?

The Budgetnista: I ultimately wanted to have a business and fully support myself. I wanted to make a certain amount of money a month. I wanted by book to be a number one seller. I also wanted to be featured in certain publications. And I was able to accomplish all of these. There are still some goals I have yet to reach. I would like to speak at ESSENCE Festival, as well as be a branch certified one day. 

Miss Jones: How were you able to accomplish these goals?

The Budgetnista: Putting one foot in front of the other, without overthinking. I’ve learned to do what you know, and the rest will come after. When you do what you know, the more you learn. Two, always keep positive people around you. I call those people in my life, the dream catchers. Keep people around you who have their own business. You’ll be able to learn from them. Also, keep honest people around you, that’ll let you know when you’re doing too much. Remember why you started, and don’t be afraid to look for assistance when you need it. Learn when to ask for help. It can cost you time, money, and happiness when you try to do everything yourself. 

Miss Jones: Many people growing up, as myself, were never really taught to save, and are now struggling with the transition and mind shift. What are some tips to get back on track?

The Budgetnista: 1. Discipline. Decide how much from your check to save. It’ll get you to practice. Ask your job to take out $10 out of $100, and send it to another account through direct deposit. 2. Start with saving goals that are fun. For example, specifically saving for a vacation, a car, or an apartment. You can either go to a concert, or live home with your parents forever. Find what motivates you, even when you want to spend. 3. Open up an online savings account, which allows you to magnify your money online. Banks such as Capitol one 360 and Ally banks offer great online accounts. And it is only a savings account. Separate accounts for specific goals. Whether it be a travel or a car account. These online accounts take 2-5 business days (unlike a regular bank) to transfer money. So it forces you to save. 

Miss Jones: What are some of the most important steps to becoming financially stable?

The Budgetnista: First, imagine you’re in a ditch. Just stop digging. Stop using your cards. Stop eating out. Find the issue, and take a step back. Bring things back in order one at a time. Be sure to create a budget, it’ll help you see where your money is going. Try the Live richer challenge. Miss Jones: How can one save and still enjoy your life? Looking well, vacationing, but still have funds saved?

The Budgetnista: Budget. Including travel, clothes, etc. Look at what you want. Take out bills first, and put 10% into your retirement account. With the first check of the month. From 90% figure out how much the things you need are, how much will you save, and how much will you do for fun stuff. Retirement should always be first, then emergency savings, bills, then fun. When there’s no money left, you’ve made poor choices. If you want fun, lower your bills. 

Miss Jones: How do you build your credit score?

The Budgetnista: Your credit score is broken up into five different components 1. Inquiry. Which is when someone else looks at your social security number, if you were applying for a credit card etc. You should save it for a car or student loans instead of applying for multiple credit cards you don’t need. Even if you don’t qualify for the card, points are still taken off of your credit score. And that’s 10% of your credit score.  

2. 10% of your credit score is debt. 

3. Length of credit history. And that’s 15%. Keep your oldest credit card open. If you’re in college or fresh out of college, let your parents put you on as an authorized user. Where they are the primary user and also pay on time. 

4. Utilization. Which is how much are you using. This is the thing that brings most of it down. Using too much of what you’re given. Keep your spending under 30%.

5. Payment history. Which 35%. Keep your payments down. Always pay what they ask when they ask. Charge a card with something small regularly and pay it off in full every month. 

Miss Jones: What are some of the best budget plans that you’d give others? Is the Mint App a good budgeting tool?

The Budgetnista: From what I’ve heard about Mint, its pretty good. However, my book The One Week Budget, I give a great way to budget. Set it up and automate it. Separate checking account for bills. Second account not attached, so that all of your bills are taken from one specific account. One should typically have at least three separate bank accounts. A savings account, an emergency account, an online savings account, and/or a regular checking account. 

Miss Jones: Is there any advice you’d like to leave with us?

The Budgetnista: It’s not as hard as you think, it’s just about practice. With time it gets easier and easier. But only if you get started. 

Tiffany, The Budgetnista, was a pleasure to talk to. She is going around the world sharing financial tools that can ultimately change someone’s life. She offers financial education to companies, small groups, churches, and universities. You can visit her website to invite her and find out her pricing, thebudgetnista.com. Also purchase her books The One Week Challenge and Live Richer Challenge. Lastly, follow her on Instagram and Twitter @thebudgetnista and continue to find out ways to get your finances in order!