September 24, 2018👆🏻 Actual screen-shot of my total Credit Card debt owed, as of Sept. 24th, 2018.

Yep.

Saving is similar to losing weight. So many say they want to do it but only a handful have the grit to make and stick with the necessary changes to shed the fat.

With diets– you can try the pills, the fads, and other quick-fix methods, but most of these will leave you eating a doughnut in the closet ashamed. Both you and I both know, the only time you’re really going to cut that fat is through frickin’ sweat and tears– moments of weakness and strength, persevering through the hard times with only faith that there’s a better life on the other side.

I use this analogy because saving money is the same thing! Sure, I would love to win the lottery and take the diet-pill equivalent to suddenly become rich without really trying. I have had so many moments where instead of shamefully eating a doughnut in my closet I am hugging all of the treasures I splurged on at the Loft. Know what these two concepts have in common? Both include indulgence.

That sinfully delicious word.

To indulge, you are making an in the moment decision without ration or regard to whether it ultimately serves your long-term goals or not. It smells good. It feels good. For that split moment or two, there is no better euphoria than scoring on that brand new Yeti cooler or Ugg’s that are half price.

If you have found yourself in a debt-dulgent vortex, you have come to the right place. For me, “work-hard, play-hard” was more like, “work-hard, spend-hard”; I felt like because I was putting in so many labor some hours as a bedside nurse, I deserved a few (albeit expensive) “feel-good” moments. Until, I overdrew my bank account over $400.00 and had to ask my FATHER. FOR CASH. As an employed, graduate degree holding, married, 28 year old — this was the tipping point for me.

I pulled out my credit cards and chopped them up. No longer, could I afford to live a life of luxury, that didn’t even belong to me. It belonged to Chase.

September 24th, 2018 is the date I faced my debt demons. Starting with a total balance of $9,877.40 owed, on December 21st, 2018 my new balance was: $2,114.95. 

On that day, the only way I can describe the way I felt is like, I went from being a passenger, watching slow but inevitable car crash — feeling totally helpless to the situation; to suddenly being the driver of the car, taking control of the steering wheel and turning that car around, right before the collision.

My experience has been captured on  Instagram  through my daily stories and weekly posts every Monday at 9 a.m. CST, sharing tips and the progress of my debt.

In honor of our new year, here are 19 simple steps for you, in a FREE, downloadable work-sheet!

👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻

gritrich and out of debt

👆🏻👆🏻👆🏻👆🏻👆🏻👆🏻👆🏻👆🏻👆🏻👆🏻

The suggestions listed in the guide can be implemented a few different ways:

  • Sequentially, all at once. 👈🏻 This is how I tackled it. I spent 2-3 hours one day, and totally committed to figuring out and doing this system!
  • Day by day! 👈🏻 Take each step, one day at a time. Lets say you start on Feb. 1st and complete step #1. Feb. 2nd, step #2, and so-on.
  • Choose a few favorite steps and find your own debt-saving style!

Though I am NOT a professional in Finance, and do not guarantee you financial freedom,    I REALLY hope this insight to my journey, helps you along the way. My intention in creating this, is to at least get your wheels turning about your finances, and if you see a collision in the future, to take control and turn THAT CAR AROUND.

Please write in the comments below with any questions and feedback you have!

xoxo

Andi

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Yo! 

This month, I had quite the time trying out the Insta-Famous Pony-O hair tie!

My friend Kate slid into my DM’s one day requesting that I try this brand new device that seemed to quite literally reinvent the wheel, for long hair.

Given it’s relatively cheap price, for what it claims to do, I was intrigued. $19.95 for 2 “Pony-O” hair ties promised to give you a fuller and perkier pony all while preserving your locks and never giving them a crease.

I ordered the “Ginger” colored original tie and it definitely matched my hair well! 👇🏻

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The learning curve for this little guy isn’t too steep, but it is definitely a different approach to putting your hair in a pony. The band is not stretchy, whatsoever. Instead of wrapping it multiple times around your hair to secure it, you flatten the moldable band and then bend the sides down to form a circle.

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After a month of experimenting, here is what I found!

The Good:

  • It definitely did make my pony PERKY!
  • The learning process was easy!
  • It gave my pony a much more refined look; something about the width of the band, it matching my hair perfectly, all while giving me more volume, made me feel like I meant BUSINESS! This is in lieu of my somewhat sad, limp, pony that normally exists after a hard day at work. I actually wore this several times to work, and will continue to, because something about it says “I put just a little more effort into styling today!”
  • Definitely no headaches! Seemed to distribute the weight of my hair a little better than the average pony.

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The Not-So-Good

  • My hair, by nature, is slippery, fine, and full. I do not know if it was because of the nature of my hair, or the hair tie itself. Though it gave me a fuller, perkier, effect initially, I found it sliding out of my hair after around 30 minutes of styling. This lead me to inevitably take it out because I got so frustrated. Literally, almost every time I wore it, except once… I was very intoxicated.
  • One day, I tried to do one of the suggested styles that comes with them! <see below>

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  • The only issue is that, ow! After an hour in my hair, somehow, the band became tangled and was almost impossible to get out. Having that said, even though it hurt, it did look cute and I will probably try it again… regardless of it’s impact on my hair’s health. b/c that’s who I am. #fashion.
  • The price. I know, I know. I said it was a bargain before but with it constantly slipping out of my hair, not living up to the hype to give me a secure pony, and leaving it with a crease every time, $19.95 plus shipping is a lot.
  • Last but not least, it was somewhat easy for me to slide my hair through, but, lets be honest; a person with fine, straight, full hair is not necessarily the one looking for an alternative to hold their mane. If you have coarse, thick, even thin, or curly hair, I really do not know how you would slip it through the grippy and un-stretchy texture of the tie.

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DUN DUH DUN!

glamorgrit’s rating for the Pony-O:

⭐️⭐️⭐️ out of 5 ⭐️’s

 To give you some context, 3 stars means I feel indifferent about this little guy.

I don’t really know what to think. It didn’t personally offend me but if I lost it in a wind storm, life would go on. Having that said, for me, I feel I could commit to this contraption for a solid 2 days out of the month but the other 28, or 29 depending, I need something that is going to keep my hair intact. Though the hype is huge and I really wanted to love it, something in my heart kept saying, “where the f*ck is a rubber band” that could really keep my pony in place.

I hope this helps you on the quest for the perfect mop tamer, but unfortunately for me, it doesn’t stop here.

Thank you for stopping by!

xoxo,

Andi

 

 

 

In a time, when values have shifted from permanent investments to temporary life decisions i.e. renting your dress, purse, house, and even phones, I have been a huge skeptic of this “pop-up” store craze.

I was even MORE skeptical of this brand, Glossier, which had been circulating my Instagram for the past year. Any advertisement that portrays an Emily Rajajkowski look-alike teaching me how effortless this eye brow enhancer can make me look like said, Emily dopple-ganger, count me OUT. Lets be real, no amount of mascara or “Boy Brow” will give me that a**; just over here being honest and incredibly insecure. I digress.

When I heard they were coming to Chicago, for a limited amount of time, I thought “oh great. another opportunity for me to either be debilitated with FOMO, shamelessly scrolling and secretly envying all of the swag, OR, a chance for me to wait in a very long line while possibly having a panic attack in the midst of buying lipgloss because everything has Coconut and why the f*ck AM I HERE?”. 😬 Ranting again…

I had two girlfriends visit me in Chi this weekend and they are some of the most courageous and hilarious people I know. When I mentioned it was here, they were immediately in and half-way through ordering the Uber. I was nervous but followed suite. We saw the line and I said, “You guys! This is crazy. Lets go get mani-pedi’s and maybe circle back? Or not? ha? ha?” “Yeah, no, lets get in line!”. Okey doke, there I was, about to enter this world of blush pink that I was conflicted between excited and creeped out by the fact NONE of the workers seemed to have any make-up on and were all glowing like angels!

It was our turn in line and my stomach began to flutter. I was EXTREMELY excited by this point because even though the line was almost the entire length of the alley it was down, we only stood there for 15 minutes! Just long enough for me investigate each product I was interested in for any traces of coconut! Guess what, only ONE of them I wasn’t able to buy! GIVE ME THAT KOOL-AID! MAMA. IS. THIRSTY.

Upon entering, it was a little crowded because of the narrow space, however, they only let in a certain amount of people which creates a fun, functional, non-stressful atmosphere!

Women, girls, toddlers (not really but omg have you seen 16 years old lately?! As Hillary would say, EX-SQUEEZE ME?! Ranting. Got it.) were all swirling the shop enhancing their skin, brows, lips, and cuticles with these products of trend and ease. I nervously approached the counter for the Zit Stick and nervously yet failing to cover my enthusiasm, I chuckled at the salesgirl saying, “I have adult acne!”. She smiled and said, “ME TOO” pointing to the blemish on her chin. She stated this device, with the cool, metal-ball roller will shrink your zit in hours and before she could finish and pulled out my credit card.

The cool thing about this store is that you get to try, EVERYTHING, you have seen advertised online. At the end, each of the cuties of the pink jumpsuits will check you out with their iPads, you wait for your order to be made (about 3 minutes) and they give you your bag, and you’re off!

I had SUCH a blast, and even booped my pink jump suite soul mate, Gabriella. I HIGHLY recommend checking out this store if you know of their brand or are looking for make-up that is highly effectively, minimally hurtful, simple and trust worthy.

⭐️⭐️⭐️⭐️⭐️’s for YOU, Glossier Pop-Up!

We had a blast, and know you will too, regardless if you have the courage on your own or some crazy friends that’ll drag you there, quietly, against your will.

And yes, I bought the “Boy Brow”.