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...

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...

For many women, retirement may seem too far away to start saving for it now. Alternatively, some women feel like they may not have enough money and therefore can't afford to save for retirement. As a result, most women tend to postpone their retirement savings until later in life, which can lead to formidable financial struggles when they retire. While it may seem difficult to start saving for retirement right now, the earlier you start, the more time your money has to grow. In this blog post, we will discuss why every woman should focus on retirement savings, regardless of their age or current financial status. Retirement is Expensive The cost of living continues to rise every year, which means that the cost of health care, housing, and daily expenses will only increase as well. Retirement can span anywhere from 20 to 30 years, which is a considerable amount of time that requires substantial savings. Therefore, the earlier you start saving, the better your chances of keeping your ...

Can being too nice be a relationship liability? When we think of someone as "nice," we often regard it as a positive quality to have. Being nice is frequently associated with traits such as kindness, empathy, and respect towards others. However, there are circumstances in which being too nice can signify a more significant problem. People who are too nice may struggle with setting boundaries, expressing their opinions, and making their voices heard. In this blog post, we will explore the concept of being "too nice" and how it can be a liability in a relationship. Photo by Kampus Production When Niceness is Not Genuine Niceness One of the main reasons why being "too nice" can be a liability is that it is not always genuine. Some people may be excessively nice as a way of avoiding conflict or pleasing others. Niceness, in this case, is a by-product of low self-esteem, a lack of assertiveness, or a fear of rejection. When you are constantly trying to please o...

Change is something that we all go through at various points in our lives. Whether it's a new job, a move to a new place, or a decision to improve your life, change can be both exciting and overwhelming. However, understanding the seven stages of change can help you navigate the process with ease and grace. In this blog post, we'll explore each stage and offer tips for how you can make the most of each one. So, if you're ready to embrace change and take your life to the next level, read on! Photo by Dinielle De Veyra Stage 1: Recognize the need for change and embrace it. The first stage of change is recognizing that you need to make a change and fully embracing it. Whether it's a need to improve your health, relationships, or career, recognizing that change is necessary is the key to moving forward. Embrace the change and take it as an opportunity to better yourself. Remember that wanting to improve yourself doesn't mean you're inferior - it's the first step...