4 Money Thoughts We Have But Never Tell Anyone

Tonya Rapley
Mar 31, 2018

The National Science Foundation estimates that the average person has between 50,000 and 70,000 thoughts per day. Regardless of one's financial situation, it's safe to assume that at least one of those thoughts is about money, because while money isn't everything, it is a critical component of our lives.

The new year ushers in an opportunity to discuss financial regrets of the past and goals for the upcoming year. But as the year moves along, conversations die down, and we're often left to deal with our daily thoughts and money struggles by ourselves. But when it comes to money, you shouldn't have to feel alone. Here are four money thoughts most of us have but never tell anyone.


1. Am I doing this right? The answer is, it depends.When you turn 18, you don't exactly receive a manual on adulting. For most people, their financial education consists of combining conversations with family or friends, advice (sometimes unwanted), and self-help books leaving one to wonder if they're doing it the right way.

There isn't one way to manage money, and our financial decisions should be based on our own circumstances, resources, and goals. While we have commonly accepted indicators to determine our financial security such as credit score and account balances, even the most confident person can be thrown for a loop when introduced to the concept of debt to income ratio.

Your debt to income ratio, or DTI, describes the percentage of your income that goes to debt payments. Take your monthly debt payments and divide them by your gross monthly income, and you get your DTI. Lenders may use this number to measure your ability to repay money you have borrowed, and most lenders prefer that a borrower's DTI is 36 percent or lower. Most of us have been taught about the importance of paying our bills on time, but when asked about our DTI ratio or other financial measures we're unfamiliar with, it can leave even the most confident person questioning whether or not they're doing it right and making the best financial choices for their current situation.

2. Have I saved enough for the rainy season? We've heard about a rainy day fund — but what about the rainy season? A rainy season could be an unexpected medical diagnosis or losing a job amid a slow job market. Unlike the weather forecast, we often don't get a warning when we're about to encounter hard financial times.

Common financial advice suggests that families or individuals have at minimum six months of their household expenses saved. But what happens when the savings account is drained and expenses are still piling up, or you're a part of the six out of 10 Americans who have less than $1,000 saved?

There are a few things that can be done to prepare for financial emergencies with longstanding effects such as:

  • Saving relentlessly and consistently
  • Living within your means
  • Keeping your DTI as low as possible
  • Purchasing long-term disability insurance, which is insurance that ensures you will still receive a percentage of your income if you cannot work due to sickness or a disabling injury.

3. Will I ever get out of debt? According to a study conducted by Northwestern Mutual, living in debt forever is among the top three fears Americans have about money, and for good reason. About 80 percent of Americans are in debt, and despite this staggering statistic, many people feel alone when faced with the task of confronting and eliminating their debt.

Casting aside the notion of good debt and bad debt, owing lenders and other individuals money can be embarrassing and even scary when you aren't sure how to climb the debt mountain. In fact, a new study commissioned by Intuit proved that the majority of millennials feel embarrassed and out of control when it comes to their personal finances. It's important to have conversations with peers about debt because some of our greatest ideas and realizations are sparked through conversations with others, and what you may see as impossible may be seen as fixable by someone else.

When we have conversations about debt and the things that scare us about money, it allows others to offer a varying perspective that may remove some of the anxiety we feel about our financial worries.

4. What happens if I just say, “Screw it"? If you've ever said, “What happens if I don't pay anyone and just live my life happily ever after" and act like none of this financial stuff is even a factor, you're not alone. Sometimes avoidance can feel like the easiest and best way to address financial concerns. But avoiding a problem doesn't always mean the problem will go away, and that's rarely the case when it comes to our money.

What if instead of saying “screw it," you said, “Okay, let's deal with this," and created a plan based on an understanding of your most important numbers?

The team at Intuit has created an app, Turbo, that will help you do just that! Turbo helps everyday people do just that by showing consumers the complete picture of their financial health — their credit score, DTI, and verified IRS-filed income. The app also provides consumers comparisons to people like them and gives them personalized advice and insights based on their tax and credit data to help them improve their numbers and help get them to where they want to be, so they can make financial decisions with confidence. You can learn more about the app and download it here.

We can't stop ourselves from thinking about money, but we can take steps to create a better relationship with money so that hopefully our money thoughts become more positive, such as “what charitable cause am I going to contribute to this month?" or “what will my next vacation look and feel like?"

Whatever thoughts you're having about money, remember, you're not the only one. Don't believe me? Check out the #RealMoneyTalk hashtag and join the conversation at @IntuitTurbo — let's get real about money.


Share your biggest money fears and tips with us @BritandCo and @IntuitTurbo.

(Photo via Getty)

15 “Little Luxuries” Millennials Always Spend Money On, According To Reddit

As I grow older, I’ve come to appreciate the finer things in life. I’m no longer investing in things that don’t truly serve me, especially items that simply won’t last long-term. I’m certainly more particular about the clothes I buy (and even more so the materials they’re made of), and I often have to think twice or thrice before adding some silly little home decor to my cart. These days, I’m more likely to save my hard-earned money for life experiences like vacations and concerts, maintenance items like my car and bike, and a damn good night of dining out.

Past these, there are a handful of comfort purchases that are totally worth the money, according to a select group of millennial Redditors under r/Millennials. From luxury skincare products and high-end kitchenware to travel and sleep necessities, I’m truly amused by (and learning a lot from!) their responses to the question: As you’ve aged, what comfort/luxury items have you decided are worth the money?


Here are the little luxuries they buy every time.

What do millennials spend the most on?

Thirdman

Before digging into the little luxuries of it all, let's see what millennial spending habits look like in general! According to Investopedia, millennials are actually more "value-oriented" when they spend money — likely inspired by the 2008 financial crash and other unprecedented, major societal events. Since values are pretty subjective, that spending can translate in myriad of ways...including "doom spending" — or mindlessly shopping "to self-soothe because they feel pessimistic about the economy and their future" — according to CNBC.

The New York Times reported, "Millennials and Gen Z are more likely than older generations to make spending on a hobby or nonessential purchases a priority." This furthers the fact that instead of always spending towards a goal or an inherent need, millennials are looking for something more with their purchasing power. Opinions on these habits may vary, but one thing remains true: millennials want to use the money they do have to make their lives better.

Arthur Shuraev / PEXELS

1. Nonstop flights.

A few millennials agreed that spending the extra money for nonstop flights is very worth not having any kind of layover that could extend already-long travel days.

“Especially if traveling with children,” one person wrote. “Let The Journey end as quickly as possible.”

Bosch

2. Higher-end appliances.

Higher-end appliances seem popular among this millennial crowd because they have a slimmer chance of going kaput after a few years.

“I don’t want fancy bells and whistles,” one Redditor said. “I want the item to do [its] job and not crap out after 5-6 years.”

“It's the "smart" appliances that crap out quickly,” another person weighed in. “The more unnecessary buttons, the more unnecessary electronics, the more likely there is to be an issue.”

Some responders really love their Bosch appliances, like dishwashers, ovens, and more: “Bosch appliances for life. No frills but will run forever.”

Cottonbro Studio / PEXELS

3. Professional movers.

This one is quite self-explanatory: “Just save yourself the time and pain.” Amen!

Naturepedic

Naturepedic EOS Trilux Organic Latex Mattress

4. A really great mattress and pillows.

Several millennials noted that you’re likely to pay for back pain and other health issues down the line if you don’t invest in a good sleep set-up now. Many users responded that high-quality mattresses and pillows are their #1 ‘worth-it’ splurge.

“You spend 1/3rd of your life in that bed,” one person posted. “And if it's a shit one, it can and will slowly ruin your back and health.”

Sephora

5. Skincare.

Many skincare-focused users said that investing in skincare products that have a positive track record on their skin is also well worth it. Several users’ responses kickstarted a conversation about the best skincare ingredients to look into, especially with aging on the brain: SPF, tretinoin, vitamin C, retinol, and even Botox were mentioned.

A few more products were suggested in the thread were:

Amazon

Victorinox Grand Maitre Chef's Knife

6. Expensive (and sharp) kitchen knives.

A few Redditors said they’ve never once regretted their investment in luxe kitchen knives.

“I have a Victorinox chef’s knife that is my go-to and it was maybe $50 on Amazon. I’ve had it for years,” someone wrote. “Learning to sharpen knives properly is the key.”

“Also, [realizing] you don't need to buy a full knife block,” another person said. “Curating your knives based on the ones you actually [use] in your kitchen.”

Xtrema

Xtrema Versa Pan

7. High-end pots and pans.

Now this is some good advice!

“I find that more money spent on restaurant-quality cookware is worth it because I’m going on 25 years with the same sauce pans, stock pot, and skillets,” one user noted. “Non-stick sucks for everything but eggs and fish, but my cast iron works well enough for that as long as I can pay attention to what I’m doing. Don’t buy sets if you can afford good individual pieces.”

Pok Rie / PEXELS

8. Vacations.

Not only is a vacation one of the most popular comfort purchases among this particular group of millennials, making a vacation last at least one day longer seems to be the move, as it allows ample time for rest and recovery. Sometimes you just really need that extra day to get your mindset straight.

“An extra day off after I get home from my vacation,” someone wrote. “For some reason I need to have a vacation from my vacation before I go back to work.”

Brit + Co

9. A "bougie" gym

Going to the gym is usually a trying experience — you're exerting yourself physically, so why exert yourself mentally too? Instead of opting for the cheaper gyms that don't have as much to offer, some commenters note that the frills make their workout experience all the more worth it. One commenter straight up answered, “Paying for the bougie gym that’s got a sauna, cold plunge, and a good yoga instructor.”

Vlada Karpovich / PEXELS

10. Toilet paper.

It may seem subtle, but paying for higher-quality toilet paper can be a good boost to your everyday routine, according to some Reddit users.

A few commenters also praised the magic of having a bidet: “Best $150 I have ever spent is to [buy a] bidet attachment for my toilet.”

New Balance

New Balance Fresh Foam X 1080v14

11. Shoes with good support.

“Cheap out on shoes? Pay for foot problems and back problems,” one Redditor wrote. And they’re not wrong!

I grew up with parents that wouldn’t pay for cheap shoes in hopes the more expensive ones would last much longer, and I’m glad I did. It’s a mindset I’ve adopted as I grow further into adulthood, buying shoes that aren’t only made of durable materials, but provide ample support for my arches.

Brit + Co

12. “Anything that makes my body hurt less.”

This is pretty self-explanatory, but let's be real: our bodies just hurt as we age. It's an annoying fact of life, but it doesn't have to be a permanent feeling. This commenter likes to buy whatever makes their "body hurt less," and I'd like to think that looks like a lot of things. It could be the comfy shoes we've mentioned, the high-end mattresses, and the likes of all that! It could be an epsom salt that just always relaxes their muscles. It could be really anything, really! But the priority is clear: comfort is seriously key, and spending money on that is certainly not a waste.

Sebastian Ervi / PEXELS

13. Sitting closer at concerts.

Standing for hours in the GA section is so exhausting, and I’m tired of pretending it’s not! A few users agreed splurging on the more-expensive sitting arrangements is way better than waking up with foot and back pain. Plus, the view can often be a lot more enjoyable!

“I'm always trying to get to the front for general admission shows, but when seating is involved, I'm committed to paying more to be closer,” one user posted.

Amazon

14. Non-toxic cleaning products.

One user said non-toxic cleaning products are their go-to comfort purchase worth spending regularly on.

“The toxic overload we experience is causing all kinds of endocrine disorders and cancer,” they wrote. “I make a lot of my own, but if I buy:"

Brit + Co

15. Coffee, chocolate, and cheese.

Knowing what you like — and what's important to you — can really help when you're prioritizing what to spend on. This millennial commented, “I never cheap out on coffee, chocolate or cheese. I’m not buying luxury items, but I will get the highest grade I can get in my regular grocery stores. The cheapest stuff just isn’t worth it.” Amen!

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Brit + Co may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

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Your November Horoscopes Are Here — See What's In Store For Your Sign

Welcome to November 2024! It’s official, everyone. We are cleared of the eclipse season and approaching the holiday season and Election Day. The collective is stirring with anticipation, awaiting the next course in our journey. Breathe. Tensions are especially high due to the major polarity brought on by the collective planet Pluto's re-entry into Capricorn just months ago. The tides are expected to change as the regeneration planet regresses into Aquarius for good.

You may be thinking, “What’s in it for me?” Aligning with the cosmic flow will bring more peace, understanding, and balance in your everyday life. Scorpio season is in full swing, and it beckons you to begin analyzing your internal landscape, desires, and control. You'll improve the world by grasping the importance of revitalizing your inner self. Believe it or not, you're the main character of your story, and your light contributes more than you know. This November highlights this part of your narrative. Are you ready to learn what is in store for you this month? Read on for your sun, moon, and rising November horoscope below.

Themes For Your November Horoscope In 2024

Brian Yurasits

This month kicks off with the New Moon in Scorpio on November 1st, helping you see how you're being of service to yourself and others. Due to Scorpio's vibe of death and regeneration, this lunation will also materialize the importance of “clearing out” from the old. Remember last month’s solar eclipse?

This New Moon in Scorpio extends the path for you to turn over a new leaf and actualize your desired changes. Make a move.

The communication signals will power up as Mercury enters Sagittarius on November 2nd, manifesting a feeling of warmth and hope in our messages. The dialogue exchanged will be inspiring and educational.

Share information that will benefit others. You'll experience serendipitous moments as you give back.

Our drive and bravado will turn up as the motivator planet Mars enters Leo on November 3rd. Our self-worth will drive passion and desire. Step forward and claim your desire.

Patricia Luquet

Create your masterpiece and watch it come to life. Believe.

Love will shift to rationality and structure as Venus shifts into Capricorn on November 11. These next several weeks will help you gauge more accordingly with long-term plans and practical concerns. It will also invoke a more grounded approach to romance and dating.

Slow and steady builds stronger foundations in love.

On November 15th, the Full Moon in Taurus illuminates the sky, highlighting the importance of taking the reigns through a measured approach. With the rebel planet, Uranus, in alignment with this full moon, it will stir up massive changes involving our narrative and how we are playing our part in our storyline. It can lead to impulsive moves, so remember to be intentional. The great news is that Saturn, the structure planet, is direct today, bringing more clarity regarding our direction.

Ahmed ツ

Brilliance awaits as you hold steady.

Buckle up! On November 19th, Pluto ingresses into Aquarius, settling into this future-oriented sign. Anticipate significant technological advancements, including refined artificial intelligence, quantum computing breakthroughs, renewable energy innovations, and immersive virtual reality experiences. Side note: VR Games like Supernatural(I'm a BIG fan!) are revolutionizing workouts, allowing people to exercise in other worlds while engaging with a supportive community for weight loss, endorphins, and positive accountability. As you visualize your ideal paradigm, Pluto will guide you toward the tools or necessary changes to attract your desired results. Embrace this transformation and let go of outdated constructs, paving the way for a brighter, more interconnected future.

Vlada Karpovich

Happiness and fulfillment await those willing to adapt and grow.

This month ends with the Sun in Sagittarius on November 21 and Mercury Retrograde on November 25. Sagittarius season invokes wanderlust, adventure, and growth. Remember that you'll reign this season as you remain open-minded to new concepts and ideas.

Close-mindedness and dismissiveness of others' input lead to dead ends.

As we conclude working with Mercury’s backspin this month, steer clear of making traveling plans (like booking a ticket/itinerary), launching a business, or signing contracts. Plus, it will help you streamline your messages, think through your personal beliefs, and change your attitudes towards life. Going through reflection will help you gravitate toward your desired outcomes.

Which signs will be most affected in November?

Juliane Monari

As we journey through November 2024, Scorpio, Taurus, Aquarius, and Sagittariuswill each feel the cosmic waves uniquely. Scorpios will harness the transformative energy of the New Moon to reflect on their desires and initiate powerful changes. Taurus will be called to acknowledge new narratives during the Full Moon, prompting them to take control of their path and make intentional decisions. Aquarians will experience a significant shift as Pluto settles into their sign, inviting them to envision a brighter future and release old patterns that no longer serve them. Meanwhile, Sagittarians will be inspired by the Sun’s entry into their sign, igniting a sense of adventure and growth. However, they should navigate Mercury's retrograde carefully to avoid miscommunications and hasty decisions. Allow these energies to guide you toward a more fulfilled and intentional existence this month!

​Key Dates & Transits This Week

Griffin Wooldridge

  • 11/1 New Moon in Scorpio
  • 11/2 Mercury enters Sagittarius
  • 11/3 Mars enters Leo
  • 11/11 Venus enters Capricorn
  • 11/15 Full Moon in Taurus, Saturn Direct
  • 11/19 Pluto re-enters Aquarius
  • 11/21 Sun enters Sagittarius
  • 11/25 Mercury Retrograde in Sagittarius

​Read Your November Horoscope For Your Sun & Rising Signs

Brit + Co

Aries (March 21 – April 20)

Themes: Investments and Ambition

This month brings transformative opportunities for personal growth and ambition. The New Moon in Scorpio encourages you to dive deep into your desires and set intentions for long-term investments. As Mercury enters Sagittarius, your voice shines, sparking optimism and inspiring connections. Let love lead the way as Mars in Leo ignites your creative passion and pushes you to take bold steps in your relationships. Make a move while factoring in your happiness. The Full Moon in Taurus prompts you to let go of unwanted habits while tying loose ends with finances. The great news is that your adventurous spirit flourishes with the Sun entering Sagittarius later this month. Be mindful of impulsive trips or conversations, as Mercury retrograde calls for thoughtful reflection on your plans and communication style.

Brit + Co

Taurus (April 21 – May 21)

Themes: Connection and Identity

Expect a month filled with deeper connections and self-reflection as you reassess your values and domestic life. The New Moon in Scorpio encourages the exploration of your love life and partnerships, manifesting progress. With Mercury shifting into Sagittarius, discussions around shared resources become enriching and insightful. Consolidate your research or your internal landscape of beliefs and get to the bottom of what keeps you from attracting more abundance. Mars in Leo energizes your home life, inspiring you to create a nurturing environment. Rearrange furniture or begin visualizing your ideal home life — this new pattern will attract movement in your domestic life. The Full Moon in your sign focuses on your identity, offering a moment of self-realization and understanding about how you need to reshape your narrative. Mercury retrograde will help you retrace your steps regarding merged resources and enable you to work out your financial priorities or unresolved debts — research methods.

Brit + Co

Gemini (May 22 – June 21)

Themes: Wellness and Subconscious Needs

Prepare for a month rich in exploration and relationship review, inviting you to evaluate your connections and daily routines. The New Moon in Scorpio prompts you to reflect on health and work, paving the way for beneficial changes. Begin a new protocol and establish a sacred practice involving wellness that will reorient you with your goals. With Mercury entering Sagittarius, your focus shifts toward partnerships, enhancing the depth of your conversations. Work on listening intently to your partner or connections to find practical solutions. Mars in Leo ignites your curiosity, encouraging the pursuit of fresh ideas. Get involved in the local realms and initiate conversations — this will inspire you. Mid-month, the Full Moon in Taurus sheds light on your subconscious, urging you to confront hidden fears and clear out. The Sun in Sagittarius with Mercury retrograde will help you backtrack and analyze your relationships and their direction.

Brit + Co

Cancer (June 22 – July 22)

Themes: Happiness and Friendship Circles

This month invites you to balance your daily routines with self-care for emotional fulfillment. The New Moon in Scorpio inspires you to understand the core of your joy and what fulfills you. Mercury’s entry into Sagittarius shifts your focus to daily routines, enhancing discussions around wellness. Health is wealth. As you focus on your overall well-being, abundance will follow. The great news is that Mars in Leo energizes your financial goals, motivating proactive steps forward, so taking care of yourself this month will ensure the results. Later this month, the Full Moon in Taurus highlights your social circles, prompting a reassessment of friendships. As Pluto in Aquarius encourages transformative growth, the Sun’s ingress into Sagittarius and Mercury retrograde emphasizes health, inviting you to take self-care practices and review how you typically extend your energy to others.

Brit + Co

Leo (July 23 – August 22)

Themes: Fulfillment and Reassess Life Purpose

Get ready for a vibrant month of self-discovery and creative expression. The New Moon in Scorpio prompts you to reflect on your domestic life and family, inspiring you to cultivate a supportive environment while establishing your terms. With Mercury entering Sagittarius, your focus turns to love and creativity, allowing you to step out of your comfort zone and explore these realms of joy. Mars in your sign boosts your confidence, empowering decisive actions in your pursuits. Be yourself and ignite your fire to get things done. Mid-month, the Full Moon in Taurus highlights your professional aspirations, prompting you to reassess your career goals. Factor in what makes you happy and optimizes your energy. The Sun's entry in Sagittarius alongside Mercury retrograde will help you backtrack and align with your priorities in love and your creative potential.

Brit + Co

Virgo (August 23 – September 22)

Themes: Ideas and Past Aspirations

This month brings clarity and enriched communication, inviting you to refine your thoughts and deepen your familial connections. The New Moon in Scorpio encourages engagement with new ideas and community interactions, promoting open dialogue. Being openhearted and receptive to people's feedback will lead to breakthroughs in your development. Mercury’s transition into Sagittarius shifts your focus to home and family, enhancing emotional discussions regarding your direction. Be curious in your approach; it will heal your unresolved matters. Mars in Leo energizes your subconscious, motivating you to confront hidden fears while helping you understand your habitual patterns. Rest and reflect. Mid-month, the Full Moon in Taurus prompts reflection on your philosophical outlook and long-term goals. Look back at your old journals or past aspirations to fill the gaps in your story. Mercury's backspin entails reviewing your next steps involving your emotional security — look within yourself and align with your feelings instead of seeking external validation.

Brit + Co

Libra (September 23 – October 22)

Themes: Self-Worth and Vulnerability

You're in for a month filled with financial themes and meaningful interactions, guiding you to reassess your values and friendships. The New Moon in Scorpio inspires you to reflect on personal resources, setting intentions for more stability. This is an opportunity to revamp your approach to money and security — research new methods that will attract more abundance. As Mercury enters Sagittarius, your focus shifts to engaging conversations and learning opportunities. It is also an excellent opportunity to network locally and gain traction and confidence with the side hustles you may be working on. Mars in Leo energizes your social life, motivating you to cultivate new friendships and connections that will get you one step closer to achieving your long-term aspirations. Mid-month, the Full Moon in Taurus highlights shared resources, prompting a reassessment of intimate relationships and closing the chapter on any outmoded approaches. By the end of this month, Mercury retrograde will enable you to reflect on old ideas that may have rested on the back burner. This is your chance to let your past endeavors rest or revive once Mercury goes direct.

Brit + Co

Scorpio (October 23 – November 21)

Themes: Self-Empowerment and Commitment

Embrace a month of self-confidence and financial insight! The New Moon in your sign empowers you to set intentions for your goals and new beginnings. You're worthy, as this is your chance to establish a new seed based on what's aligned with your heart. As Mercury moves into Sagittarius, your focus shifts to finances, enhancing your ability to express your needs clearly. It can lead to frivolous spending, so be mindful of ongoing patterns that can result in retail therapy. Your hard work will pay off as Mars in Leo energizes your career ambitions, motivating you to make bold moves. You'll shine as you begin to dream bigger and aim higher. Mid-month, the Full Moon in Taurus illuminates your partnerships, prompting a reassessment of commitments and closing the chapter on past disagreements. Hold space for your heart and your past to find a solution. As this month closes, Mercury retrograde will enable you to feel more in your power as you analyze your self-worth and become intentional with your next steps in financial planning or business endeavors. Clarity will be set next month.

Brit + Co

Sagittarius (November 22 – December 21)

Themes: Revelation and Health

Get ready for a month of revelations and enriching opportunities. The month begins with the New Moon in Scorpio inviting you to assess your emotional patterns, reorienting you toward powering up your inner belief and renewal. Begin an affirmation practice because this lunation will level up your manifestation abilities. Mercury gracing in your sign will invoke clarity and enhance your ability to articulate your ideas. Traveling or seeking out new experiences will be your go-to course, as Mars in Leo fuels your adventurous spirit, motivating you to seek a new perspective. Taking a class or engaging in higher study will fulfill you. Mid-month, the Full Moon in Taurus shifts attention to your work life and health, helping you to assess your well-being. Release whatever is weighing down at work or mental patterns — focus on one thing at a time to ensure productivity. Later this month, your season begins while Mercury retrograde occurs. It will be beneficial to slow down and observe your personal goals and how you're showing yourself up for others.

Brit + Co

Capricorn (December 22 – January 19)

Themes: Community and Desires

Prepare for a month focused on community engagement and clarifying your core desires. The New Moon in Scorpio invites you to energize your social circles, sparking intentions for collaboration and shared goals. Be sure that your connections contribute to your vision — enthusiasm is vital for success. With Mercury moving into Sagittarius, you’ll gain insights into your emotional patterns, helping you navigate feelings more effectively. This is your chance to change what no longer meets your standards as Mars in Leo brings energy to transformative experiences in intimacy and with your vulnerability. Get to the root and realize what needs revamping. Mid-month, the Full Moon in Taurus shines a light on your creative and romantic pursuits, urging you to reassess what brings you joy and fulfillment. As Mercury retrograde approaches, take a moment to reflect on past experiences that shaped your emotional landscape; you might find clarity in revisiting old dreams and wishes.

Brit + Co

Aquarius (January 20 – February 18)

Themes: Professionalism and Family Roots

Get ready for a month rich in professional focus and social opportunities. The New Moon in Scorpio prompts you to define your career goals, inspiring strategic intentions for success. With Mercury entering Sagittarius, your attention shifts to building social networks and enhancing collaboration and networking potential. Love and partnerships will fire up as Mars in Leo energizes your connections, motivating you to seek mutual growth and shared ambitions. It's time to set the terms with your relationship — this will help you get answers involving its direction. The Full Moon in Taurus highlights your dynamics, prompting a reassessment of your foundational support systems. Revisit the old structures regarding your family roots and decide whether you want to implement this as your course moving forward. As Mercury retrograde sets in, consider reaching out to old friends or colleagues; reconnecting could spark fresh ideas and rejuvenate your professional aspirations and inner needs.

Brit + Co

Pisces (February 19 – March 20)

Themes: Exploration and Purpose

You're in for a month of exploring and understanding your life purpose. The New Moon in Scorpio inspires a quest for new knowledge, guiding your intentions toward education, beliefs, or travel opportunities. It is time to fall in love with life by broadening your reach. As Mercury enters Sagittarius, your focus sharpens on your life purpose and public image, enhancing your ability to articulate your ambitions. Dig deeper and understand what stirs in your zest for life. Expect vitality and endurance as Mars in Leo energizes your daily tasks, fueling your enthusiasm for tackling responsibilities. Consider a health kick or a new regimen to help you keep up with your new endeavors. Your body is a temple, and this month is the starting point in getting things done with your motivation. The Full Moon in Taurus lights up your communication skills, enabling you to reassess your old ideas and how they can be cultivated. It's time to launch your idea or make room for something better. With Mercury retrograde approaching, reflect on past career choices; revisiting old projects or connections might unveil new growth opportunities.

With 2025 just around the corner, it’s the perfect time to explore how you can power up your year ahead. Lumi Pelinku invites you to dive deeper into your journey through an extended reading that can provide tailored insights and inspiration. Click here to book your reading today!

Wanna stay up-to-date on all things astrology? Be sure to sign up for our weekly newsletter!

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How To Build A Local Community When You’re A Digital Creator

Verizon
verizon

In our Take 5 series, sponsored by Verizon, we ask women in business about unexpected challenges, their inspirations, recent wins, and how the free Verizon Small Business Digital Ready Program has helped propel their business forward. Here, we meet Rita Suzanne, a marketing strategist for health and wellness businesses who learned to network, connect with other entrepreneurs, and build her business online and IRL.

What's an unexpected business challenge that you've had to face and how did you overcome it?

The hardest thing for me was my sister passed away and I ended up taking custody of my nieces. I ended up being a single mom of four kids. This is the thing that transitioned my whole entire life. I stopped doing web design and started my podcast Mom Owned and Operated. I wanted to reconnect with other moms and figure out how they were able to run their businesses and raise a family and take care of themselves because I wasn't able to do all three at the same time. Through that journey, I realized that I really needed to connect with other people and how important it was for my business. It helped me to create that community that I was yearning for that I didn't realize that I needed.

What's a recent small win for your business?

For me, the win was just pivoting back to something that I actually wanted to do. Also, I’ve started to say no to things that I no longer want to do.

Who is a woman in business that you look up to and why?

I have always admired and looked up to Amy Porterfield [author of Two Weeks Notice]. I listened to her all the time when I was starting out. I think that she's amazing and I love her stuff. She just seems like a very genuine person.

Is there a resource that has made an impact on you as an entrepreneur?

I listen to a lot of audio books. One of my favorites that has been huge for me is You Are A Badass by Jen Sincero. I was told when I first started my business, by a friend who was a business coach, that I have a mindset problem. Ten years ago, I had no idea even what “mindset” was. Sincero’s book helped me to see what she meant by “mindset” and helped me adjust that mindset and fix some of the things that I didn't realize were broken.

How has the Verizon Small Business Digital Ready Program helped propel your business forward?

There are a lot of things that I have loved about it. There are local networking and training opportunities, and that has been great, and the online training is very valuable. It's a great resource. I find that marketing needs a three-tiered approach, meaning you need to network it locally, socially, and then also have a very comprehensive online approach to your marketing. One of the Verizon Small Business trainings that I took was all about taking advantage of your local resources. I found that to be extremely valuable because often people think they need to just focus on social media. I don't think that people focus enough on their local community.

Learn more about the free Verizon Small Business Digital Ready Program and Rita Suzanne.

Illustration by Daniela Jordan-Villaveces

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Selena Gomez & Benny Blanco Are Literally Unrecognizable In Their Halloween Costume

Things are heating up betweenSelena Gomez and Benny Blanco since late last year to the surprise of some, but it seems like the couple's romance is just getting started. They're not shy about PDA and posting each other on social media and pretty much telling anyone who doesn't like it to get lost. We love how fiercely supportive they are of each other, giving us so many good green flags! Here's everything we know about the lovely new couple so far.

Selena Gomez And Benny Blanco's Relationship Timeline:

Amy Sussman/Getty Images

March 2019

Selena Gomez and Benny Blanco first collaborated on the song "I Can't Get Enough" along with Tainy and J. Balvin in 2019. Though they were featured in a cute scene together, there weren't any rumors about them being romantically linked then.

August 2023

They didn't work together again until late summer 2023 when he produced Selena's single "Single Soon" with Cashmere Cat.

Frazer Harrison/Getty Images

December 2023

Before 2023 ended, Selena started leaving comments on Instagram that suggested she and Benny Blanco were in fact together. One of the comments she left appear on this Instagram fan page and it reads, "He is my absolute everything in my heart."

Some fans weren't so thrilled to see the two together though and they weren't afraid to express their opinions. But, this only prompted Selena to leave more comments that defended her relationship with Benny.

People grabbed a screenshot of one of the comments Selena responded that revealed the couple had been together for a while. "Not mad. It’s been 6 months bb. I will always defend my friends, family and fans till the day I die," she wrote. They even shared another screenshot from Selena's Instagram Story that showed her wearing a "B" ring on one of her fingers.

Craig Barritt/Getty Images for TIME

December 15, 2023

Soon after that, Selena shared a photo carousel on Instagram that included some of her favorite moments in New York and Benny Blanco can be seen in BTS moments. The last picture of the carousel features them sharing a kiss in a black and white photo that basically confirms the responses the singer had for fans.

December 28, 2023

Before the new year began, Selena Gomez and Benny Blanco spent some time at a cute art exhibit during a date. From the looks of things, it seemed like they discovered their love language of physical touch early on.

Presley Ann/Getty Images for GQ

January 2, 2024

Feeling the love of being with Selena, Benny Blanco took to Instagram Stories to officially signal that the two are dating. People grabbed a few more screenshots that Benny shared and all we can see is the happy glint that was in Selena's eyes.

Sarah Stier/Getty Images

January 3, 2024

The next day the couple were seen court side at one of the Los Angeles Lakers' game. Once again, their love language was on full display in the most intimate way. A source revealed to People that they understood why people had so many opinions about Selena's relationship with Benny. "Everyone was a fan of hers before Only Murders [in the Building], and now everyone is protective of her."

Neilson Barnard/Getty Images

January 15, 2024

Later that month, Selena Gomez and Benny Blanco showed up to the Emmy Awards together. They were sitting side-by-side and weren't afraid to show affection with each other.

Jesse Grant/Getty Images for AFI

March 2024

When Benny Blanco's birthday rolled around, Selena Gomez shared a sweet message to him on Instagram. She wrote, "Happy birthday baby! Your emotional endurance, positive disposition, unbelievable talent (that blows me away), undeniable humor and loving, kind heart absolutely kill me. I love you @itsbennyblanco 🎂🥹."

Frazer Harrison/Getty Images

April 2024

Although we're only four months into the new year, Selena Gomez and Benny Blanco's relationship is still going strong! The Only Murders in the Building star has been seen smiling in every pic she posts which indicates she's genuinely happy in her relationship. A source hinted to People that the two are doing well. "It’s a very serious relationship, and they’re making long distance work while she’s in New York for work commitments," they said.

Alberto E. Rodriguez/Getty Images for Spotify

April 25, 2024

In an interview with WSJ, Benny Blanco gave his POV of how his relationship with Selena Gomez began and it was the cutest revelation. "It’s crazy how your partner could just be sitting there the whole time, right in front of your eyes...And then you have a Clueless moment where you're like, Wait, I'm in love," he says.

A man who compares his relationship to that moment in Clueless where Cher and Josh admit their feelings for each other gets brownie points from us!

May 15, 2024

It looks like Selena Gomez and Benny Blanco's relationship may be ready for the next step — that's if you ask Mr. Blanco. He appeared on The Howard Stern Show yesterday to chat about everything, including his relationship with Selena. When Howard Stern asked, "You want to have kids with Selena? Have you told her you want to have kids yet," Benny replied, "That’s my next goal, to check the box. I have a ton of godkids. I've got a ton of nephews. I love being around kids."

However, he's not in a rush and wants everything to happen naturally. All that matters is that the two of them are in each other's life. He said, "I just know that when I look at her, I just say, ‘I don’t know a world where it could be better than this.’ That’s what I always say to her.”

Neilson Barnard/Getty Images

May 29, 2024

Selena Gomez tells TIME just how much Benny Blanco means to her — no matter what anyone else says. "My own fans, who I adore and feel like have shaped who I am, will say the most hurtful things to me about how I live my life," she says. "But he has the strength in him that none of that noise fazes him. It’s really impressive, and I just cherish every moment with him. I don’t know what the future holds, but I do know that he’s not going anywhere any time soon.”

Selena Gomez/Instagram

October 27, 2024

Selena Gomez and Benny Blanco looked amazing in their Alice in Wonderland couple's Halloween costume. "Curiouser and curiouser," Selena wrote on the post, which is totally reminding us of Taylor Swift's 1989 (hello "Wonderland"!!!).

Selena wore a corset dress in what looks like slate blue with cap puffed sleeves and a tulle skirt, along with a blonde wig, black bow, and slingback shoes. Benny went all out as the Mad Hatter with face paint, a wig, a top hat, and a waistcoat. We'd follow them down the rabbit hole!

What do you think about Selena Gomez and Benny Blanco's relationship?Follow us on Facebook for more celebrity news!

This post has been updated.

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'It Ends With Us' Star Brandon Sklenar's Next Movie Is Another BookTok Favorite

Gretchen Weiners' hair might be full of secrets in Mean Girls, but in Amanda Seyfried's new movie, her life is full of secrets. The Housemaid, based on the novel by Freida McFadden, follows Millie (played by Sydney Sweeney), who's down on her luck and in desperate need of a fresh start. When she snags a job as a housemaid in Nina's (Amanda Seyfried) beautiful home, it looks like things are finally moving in her favor. But all is not as it seems — and it doesn't take long for Millie to realize Nina's secrets are the most dangerous thing about her.

The book, which has sold over 3.6 million copies, has been on the New York Times Bestseller list for over a year and Amazon's Bestsellers list for 98 weeks (talk about popular). It was also the second-most-read title on Kindle for their 10th anniversary, so it's no surprise that the story is getting its own adaptation. Here's everything you need to know about The Housemaid starring Sydney Sweeney, Amanda Seyfried, and Brandon Sklenar.

  • The Housemaid by Freida McFadden is getting the movie treatment.
  • Amanda Seyfried and Sydney Sweeney will star as Nina and Millie, respectively, while Brandon Sklenar will star as Andrew.
  • Seyfried promises fans "I'm gonna do you well."

Who's in The Housemaid movie?

Jon Kopaloff/Andreas Rentz/Getty Images

The Housemaid Cast

The cast of The Housemaid will be led by Sydney Sweeney (Euphoria, Anyone But You) as Millie, Amanda Seyfried (Mamma Mia!, The Drop Out) as Nina, and Brandon Sklenar (It Ends With Us,Drop) as Andrew. Uma Thurman, Phoebe Dynevor, and Anthony Hopkins will also star. Check back here for the rest of the official cast list!

"I hope [die-hard fans of the book] accept this casting," Seyfried jokes in an interview with Bustle. "I know Sydney's amazing...I can't wait to work with her. I think we're going to have a lot of fun. But also, like, I don't know how people see Nina, my character...I hope they like the casting because the fans are the reason it's being made. So I'm here to tell all the fans that I'm gonna do you well."

"I can’t even express how excited I am to announce that #TheHousemaidMovie is coming soon!!!" McFadden said in an Instagram post. "@Lionsgate has come up with the absolute perfect cast and director, and I am just so grateful! I mean, Sydney Sweeney, Amanda Seyfried, and Paul Feig…mind blown!!!! I’m so honored and thankful to all my readers who helped make this dream come true!!!!!"

Is The Housemaid going to be made into a movie?

Anastasia Shuraeva/Pexels

Yes, Deadline announced on October 8 that The Housemaid would become a film, thanks to Hidden Pictures and Lionsgate. Paul Feig will direct, Rebecca Sonnenshine will write the script, and Todd Lieberman, Laura Fischer, and Feig will produce while Alex Young, author Freida McFadden, Sydney Sweeney, and Amanda Seyfried will executive produce.

“I’m thrilled to have The Housemaid join our upcoming slate,” said Adam Fogelson, chair of Lionsgate Motion Picture Group. “A great filmmaker and a great cast with a great script from a great book is a terrific place to start.”

“Part of the fun of the book was imagining the cast while we read it, and Sydney Sweeney and Amanda Seyfried are perfect for Millie and Nina – they’re both mysterious, nuanced, and incredibly skilled at becoming characters who don’t reveal everything right away,” said Erin Westerman, co-president of Lionsgate Motion Picture Group.

What is the plot of The Housemaid?

Amazon

The Housemaid Plot

Millie has one more chance at starting over, and taking a job as a housemaid for wealthy couple Nina and Andrew is the perfect place to start. But as she cleans, cooks, and takes care of their daughter, Millie quickly realizes her employers are far from perfect — even if they'll do anything to keep up appearances.

When is The Housemaid coming out?

Tima Miroshnichenko/Pexels

The Housemaid Release Date

We don't have an official release date for The Housemaid yet, but there's a good chance we could see it in 2025. Stay tuned for more news!

How many books are in the series The Housemaid?

Amazon

Freida McFadden has three books in The Housemaid series: The Housemaid, The Housemaid's Secret, and The Housemaid is Watching.

Is The Housemaid spicy?

hubbugaye/Pexels

There is some sex and violence in The Housemaid, but it's not as overwhelming as some other popular books on the market. One Goodreads user compares the content to what you'd watch in Law & Order: SVU or Criminal Minds. If you're concerned about one of your preteens reading this book, you could always read it first, or start a bookclub and read it together!

Read The 17 Best Mystery And Thriller Books For All Readers while it's still spooky season!

This post has been updated.

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