Authentically Nita

When it comes to relationships, there are certain topics that are often avoided, such as politics, religion, or even money. However, the latter is a crucial aspect in any partnership that can greatly influence the dynamics and longevity of the relationship. In particular, women tend to keep financial secrets from their partners early on, which can lead to misunderstandings, mistrust, and debt. As Manisha Thakor, a financial expert and co-author of “On My Own Two Feet,” advises, it’s important to be financially naked with your partner and have open and honest conversations about money. In this blog post, we’ll explore why financial honesty is crucial for relationships and how couples can improve their communication and management of finances. Photo by Mikhail Nilov   The first reason why financial honesty is critical in relationships is that it sets the foundation for trust. If one partner conceals their debt or overspending habits, it can lead to a power dynamic where they hold the...

Are you looking to buy your first home? Here are some tips that are essential and that can help you avoid commons mistakes first time home buyers make. Photo by Kindel Media Get pre-approved for a mortgage: Starting your home search without a mortgage pre-approval can be discouraging and time-consuming. Boost your reputation as a buyer and understand your budget by getting pre-approved. Consider all expenses: Don't just focus on the down payment and mortgage payment. Remember to account for closing charges, taxes, insurance, and upkeep costs. Being aware of these expenses will prevent future financial hardship. Shop around for the best mortgage: Don't settle for the first mortgage offer you come across. Take the time to research and compare offers from different lenders. You might find better terms or lower interest rates that can save you money in the long run. Don't skip the home inspection: Neglecting a home inspection can lead to unexpected costs down the line. It'...

Money management is key to building and maintaining wealth. And as women, it's important that we pay close attention to our finances and invest them wisely. One of the best financial tips that I've learned in my personal journey is to use different accounts for different purposes. By using this simple yet effective method, you can easily manage your money and reach your financial goals faster. How to set up different accounts: The first step is to determine which areas of your life require financial planning. This may include a retirement account, an emergency fund, a vacation fund, and so on. Then, open a separate account for each of these goals. Most banks offer free savings accounts, so take advantage of them. Once you have set up each account, determine the percentage of your income that should be allotted to each account. The benefits of using different accounts: By using different accounts, you can easily track your spending and savings. Each account is designed for a spe...

Have you ever found yourself in a situation where you doubt your accomplishments and feel like a they happened because of luck, or being in the right place at the right time? Imposter Syndrome is a common phenomenon among high achievers, especially women. People with Imposter Syndrome may feel that they are not deserving of their achievements and fear being exposed as frauds. The exaggerated fear of failure sets a high bar for them, and small mistakes lead to feelings of guilt and inadequacy. This kind of thinking can have a significant impact on your life, holding you back from reaching your potential. However, it's reassuring to know that it's a common issue and there are ways to overcome it.  If you feel like you are constantly fighting with your own thoughts and struggling with self-doubt, you are not alone. Here are five roles of imposter syndrome and practical ways to overcome them. The Perfectionist: Perfectionists look for things to go perfectly, and they become chronic...

When it comes to personal finances, creating a realistic budget is the crucial first step towards financial stability. It's a simple yet powerful tool that can help manage your finances and align your expenses with your income. In this blog, we'll guide you through a step-by-step approach to creating a realistic budget and help you step up your saving game! Photo by Tima Miroshnichenko   Calculate Your Monthly Income The first step in creating a realistic budget is to track your monthly income. This includes your salary, any additional sources of income, and bonuses. Make sure to consider all sources of income you receive each month, so you can accurately assess your financial standing. Identify Your Fixed and Variable Expenses The next step in creating your budget is to identify and categorize your expenses. Fixed expenses are those that stay the same each month, such as rent, insurance, and car payments. Variable expenses change from month to month, such as groceries, enterta...

Listen up ladies! It's time to break free from toxic relationships and embrace a brighter future. If you've been caught in a cycle of toxicity with your ex, or that guy who won't commit, this is for you. I know you love him, and I know you will miss him. You're not alone. We've all been there. But, there is hope for a happy, fulfilling life free of stress and uncertainty. At least in your love life.  Step one: Recognize the warning signs. Take a moment to reflect on what went wrong and the red flags you ignored. This self-reflection will empower you to set healthy boundaries and prevent toxic patterns from repeating. Value yourself: Know your worth and stand firm in your beliefs. You deserve love, care, and respect. Once you internalize this, you won't tolerate toxic behavior from anyone, not even Him. By valuing yourself, you'll attract people who treat you with the respect you deserve.  Do not engage: When he comes back, the best thing you can do is to ...

Love is a beautiful journey but it isn't always easy. Finding the right person takes time and effort, and even when we finally do, there are often challenges that must be faced. As women, we tend to navigate the emotional complexities of relationships differently than men. The way we handle our emotions, make decisions and embrace maturity in our dating lives has a significant impact on our experience. In this blog post, we will explore the challenges and joys of discovering love, and how to make the most of your romantic journey. Photo by Josh Willink   One challenge women face in relationships is picking the wrong man. Many of us have that attraction to "bad boys." Usually when we're younger.  The challenge is in ending up with a man who mistreats you physically or emotionally, or engages in harmful behaviors such as excessive drinking. A lot of bad boy types aren't just acting out when it comes to things in their own life.  They're actually bad people, and ...