How To Spend Money And Still Keep Up With Your Savings Goals This Summer

spend money mindfully

With summertime comes more and more opportunities to spend money — just ask my bank account. Whether it's the many, many chances to grab a glass of rosé with the girls, all those swimsuits you want for your next summer vacation, or even just the gas it costs to get to a backyard BBQ...it all starts to add up, and fast. But that's not necessarily a bad thing when handled correctly and with care!

Believe it or not, Tori Dunlap (Her First 100k founder and NYT bestselling author of Financial Feminist), actually wants you to spend your money! She just wants you to have a plan for how you spend it. She said, "When it comes to mindful summer spending, we don't want to hate our lives, but we also want to have something to show for it at the end of the summer."

What does that mean in practice? Here are Dunlap's tips for how you can start to spend money mindfully now so you're set up for success come summer's end.

Photo by Karolina Grabowska

Automate Your Savings

As your opportunities to spend money accrue more, your savings account has the potential to accrue less. You don't want all your finance goals to fly out the window, but clearly it's even more difficult to save your funds the longer the sun stays out.

Luckily, Dunlap has the solution for you: automating your savings. She suggests setting up a routine automatic transfer from your checking account to your savings account. This should help ensure that you're not missing out on your savings goals while you're opting in to all the summer fun!

Photo by Cora Pursley/Dupe

Set (And Follow) Your Value Categories

Once you're sure your savings are automated and in order, the fun spending can come into play. Dunlap is a huge proponent of living your life to the fullest, even if that means spending money, but she wants to ensure you're "spending mindfully on the things you actually love."

In her book, Financial Feminist, Dunlap outlines the idea of "value categories" AKA the types of things you spend money on that bring you "the most joy." She suggests picking your top three categories — for her those are travel, going out to eat, and plants — and sticking to them to the best of your ability when it comes to your discretionary funds (money not set aside for bills).

After setting your top three value categories, that doesn't mean you have to only spend money there. It just means you want to spend the majority of your "fun" money there because you know the payoff is the best. So, if you pick manicures, daily lattes, and shoes as your categories, those are the three things that add the most to your life when you buy them — however, you can still buy that tank top you saw on sale if it feels like the right move!

Basically, this concept is all about balancing fun and frugality without all the added guilt other financial experts tend to toss into the mix. Yay!

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Header image via Karolina Grabowska

We've all been there — your wallet finally recovered post-holidays in the first quarter of the year, only for you to slowly creep into over-spend mode yet again as summer fun takes over. Those ebbs and flows are totally normal, but sometimes it just means you have to pause and take a moment for a little mid-year financial reset so you don't totally lose sight of your goals.

Tori Dunlap, author of NYT bestseller Financial Feminist and the money expert behind @herfirst100k, has some helpful tips if you're trying to get back on financial track. Instead of cutting off fun cold turkey, here's how you can take stock of what you have, readjust your goals, and still spend on the fun stuff while also putting your best financial foot forward. Here are three questions Dunlap wants you to ask during your mid-year financial reset to accomplish this!

Photo by Karolina Kaboompics

1. Were my financial goals reasonable?

Dunlap suggests that chances are...they weren't. Saving a million dollars in a month probably isn't realistic, and sometimes saving one hundred dollars in a month isn't either. It all depends on your circumstances — what you're bringing in (income) and what's going out (bills, cost of living, etc). Take note of what you're working with so you can adjust accordingly.

Photo by Joslyn Pickens

2. How do I need to optimize to be able to achieve those goals?

Sometimes you can make simple changes in your spending, but other times you may need to re-evaluate your money goals a little bit. Dunlap suggests asking, "What is the new goal that I need to set that is actually achievable?"

Sit down with your expenditures, actually find out what's left over from paycheck to paycheck after you pay your bills, and set your goals from there. Once you approach money in a way that makes sense for you, you're more likely to follow the plan.

Photo by Marcus Aurelius

3. What plan am I actually gonna do to achieve those goals?

Dunlap is adamant that "a goal without a plan is just a wish." And she's right! We can hope and dream for the million dollar savings account all we want, but if we want to make that happen, then we need to kick it into high gear with some action. Not just any action either — intentional, well-thought out choices that you can put in motion with the plan you set for yourself. This could include, but isn't limited to:

  1. Knowing what you're saving for — vacation, wedding, house, retirement, etc — and putting a name to it.
  2. Automating your savings by having a specific amount of your paycheck deposited right into your savings account.
  3. Setting a "going out budget" so you can still enjoy rooftop cocktails and other fun with your friends within reason and without overspending.

Looking for more money advice? Be sure to follow the conversation on Instagram!

Header image via Karolina Kaboompics

Knowing your hair type is one of the most valuable and beneficial things to your hair health — especially when it comes to the porosity of your hair. Hair porosity means the level at which your hair absorbs moisture or water, and it's categorized as low, medium, or high. Sometimes, low porosity hair — which is slower to absorb water — can keep you from getting the proper hydration to keep your hair looking and feeling healthy.

Dr. Ross Kopelman, hair transplant surgeon, explained, "Low porosity hair has tightly closed cuticles that make it difficult for moisture to penetrate the hair shaft. This can lead to dryness and product buildup, as products tend to sit on the hair rather than being absorbed." He also mentioned that this can lead to breakage and tangling since your hair is having a hard time retaining moisture.

Luckily, there's a way to help low porosity hair maintain its health, get rid of excess buildup, and retain moisture through specific products like shampoos and masks. I talked to experts Clyde Haygood (celebrity hairstylist), Dr. Ross Kopelman(hair surgeon and expert), and Kseniya Popova (lead chemist and head of R&D for The Rootist) to get all their product recommendations for the best low porosity hair products to try right now!

Amazon

SheaMoisture Hair Mask

Dr. Ross Kopelman recommended this hair mask from SheaMoisture, noting that it will help heal your hair cuticles and allow products to more deeply penetrate the hair. This is exactly what we're looking for, since with low porosity hair, products have a hard time reaching your hair cuticles and fully absorbing. This will also help any breakage you might've gotten given your hair type!

Amazon

Kinky Curly Knot Today Leave-In Conditioner

This was another great leave-in recommended by Dr. Kopelman to help repair breakage and attract moisture. He says that it has glycerin and honey which both help your low porosity hair to really retain the moisture in a light, non-greasy way.

Amazon

The Neutrogena Anti-Residue Shampoo

If you're needing a bit of a deeper cleanse but have very sensitive hair, then this recommendation from Dr. Kopelman might be just what you're looking for! He let us know that this shampoo is thorough and effective, yet still gentle for any sensitive hair-types! According to his solid advice, you only need to use it once a month to remove any buildup that might be preventing your hair from being able to fully absorb moisture!

Amazon

The Rootist AHA Pre-Shampoo

Lead Chemist and Head of R&D for The Rootist, Kseniya Popova, says that this pre-shampoo is great for the low porosity hair gals! She gave us great insight by saying, "This pre-shampoo treatment is fantastic for those with low porosity who want to target product build-up and excess oil. The alpha hydroxy acids glycolic acid and lactic acid and apple cider vinegar help to gently exfoliate without stripping natural, healthy oils that need to coat the hair."

The Rootist

BioBrew Fermented Strengthening Serum

Kseniya Popova also told us about this great strengthening serum from her company, The Rootist! She says that it is a great serum that has super nourishing ingredients like moringa oil, along with vitamin C that help to condition cuticles and boost hydration. And bonus! They added a heat-protecting active, for up to 450 degrees, that is super beneficial to low porosity hair when using hot tools like curling irons and hair dryers.

The Rootist

Strengthen Concentrated Shampoo and Conditioner

Kseniya also recommended this amazing shampoo and conditioner duo from her company that she says is great for low porosity hair. She explained that they help to cleanse the roots, scalp, and hair without causing damage or stripping moisture — exactly what you need for cleansing low porosity hair without stripping away all the natural oils and moisture excessively. Kseniya said, "It is necessary to strengthen low porosity hair fibers because they are prone to brittleness and breakage. The Strengthen Concentrated Shampoo contains yuzu ceramides and hydrolyzed proteins that will help to strengthen the hair fibers of low porosity hair. And the Strengthen Concentrated Conditioner contains coating emollients, such as coconut oil, acai oil, rice brand and passion fruit oils that lock in necessary moisture" This means that you'll really be able to lock in moisture, down to the root!

Amazon

Pura D'or Apple Cider Vinegar Shampoo

We got a great recommendation from celebrity hairstylist, Clyde Haygood, when it comes to drier low porosity hair. He says this shampoo will be great because it infuses biotin, keratin and caffeine to boost hair health and shine in a lightweight formula. This mean it won't be too heavy or greasy, but still helping to retain moisture.

Amazon

Pura D'or Hair Thinning Therapy

Dealing with hair thinningand low porosity? Well, hair expert Clyde Haygood has just the thing for you. He said this mask is one of his favorite products for how it hydrates the hair, targeting both hair thinning and low porosity. He also added, " Using a hair mask once a week is also a great way to strengthen strands and protect hair from heat styling damage. I also love that it’s free from harsh chemicals, hypo-allergenic, vegan and cruelty free which is ideal for all hair types." Sounds like just what we're looking for!

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Header image by Anna Steckmann

27 Dresses is a fun story until you think about how much Jane (Kathryn Heigl) spent for each and every one of those weddings. There are engagement parties, bridal showers, bachelorette parties, bridesmaid dresses, shoes, jewelry — I mean the list of costly responsibilities goes on and on and on. Imagine doing that 27 times.

Wedding events aren't just a casual affair anymore either — the financial obligations for wedding guests and bridal parties continue to rise steadily. According to a 2023 study from The Knot, the average cost of a bridesmaid's dress is $130. Business Insider reports that you can expect to spend $1,200 for bachelorette parties on average. Just being a wedding guest alone has an average price tag of $580, according to another study by The Knot. Suddenly, from your dress to the destination bach to the delicate (and likely expensive) stemware you got the couple as a gift, you're potentially spending thousands of dollars on a wedding that's not even your own.

And while you likely love the bride asking you to be in her wedding party very much...is there a way you can politely decline? Especially if you're trapped for cash or trying to save for a major financial goal? HerFirst100k's Tori Dunlap would like to think so! And it doesn't have to be this friendship-altering event either. With Dunlap's tips, you should be well on your way to the happy couple's good graces without paying an arm and a leg to earn it.

Photo by Karolina Kaboompics

When turning down a bridesmaid offer, Dunlap suggest using the "sandwich method" here — AKA saying something complimentary, giving the bad news, and ending on another positive, complimentary note. Seems simple enough, right?

She suggest saying, "I'm so excited for your wedding! Thank you so much for thinking of me! I am so honored. However, at this time I really can't afford the commitment of being a bridesmaid, but I would love to support you in any other way I can."

With this phrasing Dunlap says you're accomplishing three key things:

  1. Setting expectations
  2. Validating the friendship
  3. Maintaining your own financial boundaries
In doing this, you're ensuring that you've done and said everything you can kindly and upfront so that you don't leave the bride on the hook or disappointed. This should keep your relationship in tact — and if it doesn't, that maybe says more about the situation than your polite decline. Regardless, now you don't have to worry about going into debt for someone else's wedding, so you're able to spend mindfully and maintain your personal finance goals.

How would you decline being a bridesmaid? Let us know in the comments, and follow the convo on Facebook!

Header image via Caleb Oquendo

30 years after "Run, Forrest, run!" entered the cultural consciousness, we're getting an unofficial Forrest Gump reunion! Robin Wright and Tom Hanks' new film, titled Here, brings the actors together with Forrest Gump director Robert Zemeckis. The movie is a sweeping look at life across hundreds of years, anchored in the same cozy living room. And if we're already emotional just from watching the trailer, we'll definitely need to bring tissues to the theater! Here's everything you need to know about the movie.

What is the new movie Here about?

CTMG/Sony Pictures

Based on the graphic novel by Richard McGuire, Here follows the story of multiple families across time, and explores the places — and homes — they inhabit. "The story travels through generations, capturing the most relatable of human experiences," according to an official synopsis of the movie, which is "a tale of love, loss, laughter and life, all of which happen right Here."

When is Here coming out?

CTMG/Sony Pictures

Here comes to movie theaters on November 15, 2024. With so much emphasis on family and home, this is going to be the perfect pre-holiday movie to watch with the people you love the most. Check out the rest of this year's Fall Movies to see what else is coming this year!

Who's in the cast of Here?

CTMG/Sony Pictures

Here stars Tom Hanks, Robin Wright, Paul Bettany, Kelly Reilly, and Michelle Dockery.

Where is Here filmed?

CTMG/Sony Pictures

Here began filming at the end of 2022 in London, and director Robert Zemeckis revealed the camera stays in exactly the same place throughout the entire movie. “The single perspective never changes, but everything around it does,” he tells Vanity Fair. “It’s actually never been done before."

Check out the other 2024 movies coming out this year — and let us know your favorite Robin Wright & Tom Hanks movies on Facebook!

Lead image via CTMG/Sony Pictures

With bills to pay, project deadlines and a growing to-do list, it can be hard to keep your house in order. But research shows that cluttered environments are tied to higher levels of stress. Luckily, there are simple ways to make your home feel more zen without a ton of effort. From stylish ways to clear clutter to embracing organic materials, check out these 15 mindful decorating tips for creating a space where you can sit back, relax, and enjoy.

Purge Once. Edit Often.

Photo by Charlotte May

There’s a reason why Marie Kondo's KonMari method was such a huge hit — because it works. To create a mindful space, you need to master the magic of tidying. Surround yourself with things that you love and get rid of non-essentials that are cluttering your space. The result: a cozy, comfortable home you love.

Focus On Negative Space With Low Furniture

CB2

If something about one of your minimalistic rooms feels off or cramped, you might need to focus on the proportions of your furniture. Tables, a sofa or a bed that are just a few inches too high can greatly disrupt a room’s visual flow. The design trick: Buy low furniture like this gorgeous CB2 Cantar Ivory Velvet Upholstered Bedfor a cozy and simple look.

Stick With A Neutral Or Soft Color Palette

Dacotah Studio

When decorating a minimalist interior, it’s all about creating a clean base. Clean light walls can open up a space and make it feel airy, like this stunning kitchen by LA-based Dacotah Studio(see our full feature here). Soft, nature-toned pieces in beige, tan and green are also soothing and easy on the eyes. Decorating within a neutral color palette also gives your home that instant, pulled-together look. That plus calming vibes? It’s a win-win.

Add Minimal Texture

Design: Urbanology Designs | Photo: Matti Gresham

To keep a room from feeling cold or bland, add texture. Shop for soft throws, throw a sheepskin over your desk chair and lay down a fluffy wool rug. Your space will look put-together and cozier than ever.

Get Rid Of Most Mirrors

Joshua Smith Design | Photo: Lance Gerber

In feng shui, mirrors are said to bounce off energy, which can cause you to feel restless. There have even been studies that show mirrors could trigger stress and anxiety. While we love how a mirror can make a space look larger, it’s probably best to remove them from your bedroom, living room and kitchen. Instead place mirrors behind closet doors or limit them to the bathroom.

Choose Natural Materials

Design: Urbanology Designs | Photo: Mike Davello

While minimalism is all about perfecting the “less is more” approach, there’s a chance your interiors might feel cold and sterile. Invest in pieces of natural or raw materials such as wood, marble, hides, clay and cork. The uniqueness of earthy materials adds character and warmth to your abode.

Embrace Natural Light

Photo + Design: Klein Agency

A simple mindfulness exercise is to wake up when it’s light out and sleep when it’s dark out to maintain a healthy sleep rhythm. Get rid of curtains and tear down walls that block windows to maximize the amount of light that comes in. Letting natural light fill your home brings the outside in and allows you to get the best rest possible.

Let Your Space Speak For Itself

Photo by Gül Işık

There are so many ways to decorate a home, but before you begin drilling and filling up the shelves, really take time to understand and appreciate your space. Whether your home has traditional molding, modern kitchen cabinets or a quirky layout, your home’s bones are the foundation for building upon. You might find that many of your physical possessions don’t complement your space. Work with what you have (and not against it) to create a home that is unified.

Keep Surfaces Clear And Tidy

Design: Arterberry Cooke

This is where being mindful isn’t just about aesthetics. De-cluttering a messy surface looks amazing and feels amazing too — think of it as a mind and spirit detox. Clear and tidy desks, tables and kitchen countertops on a daily basis so you can start every day fresh with clarity.

Use Stylish Storage

Design: Bungalowe | Photo by Gavin Cater

We know. It’s hard to get rid of all of your clutter. Paper, art supplies, makeup brushes, laundry — the list of stuff that accumulates (and you can’t always get rid of) goes on. Consider getting rid of trash cans entirely in rooms that don’t absolutely need them. Or, use pull-out and built-in garbage and recycling bins to free up floor space. Keep office and cleaning supplies organized with pretty baskets and containers, and find creative ways to store your hair and beauty products. With so much stuff, stylish storage is key to making your home organized and tidy. We love how LA-based design team Bungalowe created custom storage with shelving in this bedroom (see the full feature here).

Keep Cords Out Of Sight

Photo + Design: Klein Agency

To make your home (and mind) feel clear, hide everyday eyesores like power strips, routers and laptop chargers by thinking vertically. Manage your electrical cords by purchasing desks with shelves for power strips, attach cords to the back or bottom of your desk with these Blue Key World Cable Clips ($7) or create a charging station drawer. There are so many ways to hide cords, and you can get as creative as you like!

Set The Tone With Soft Lighting

CB2

In addition to installing dimmer switches to set a relaxing mood, task lighting (your table and floor lamps) should be warm and atmospheric. Layer the light with wall sconces like CB2's lovely and affordable Astr White Onyx Wall Sconce and some candles, and your space will feel extra intimate and cozy.

Make Your Bed Every Morning

Design: Arterberry Cooke

As tempting as it is to rush out the door in the morning, leaving your bed unkempt can set the tone for the day. Making your bed forces you to slow down and set a healthy pace for the day. For more style, splurge on beautiful linen sheets that’ll motivate you to tidy your bed every morning.

Treat Yourself To Quality Towels

Piglet In Bed

Consistency in fabrics like your sheets and towels can make a room look instantly pulled together. Refresh your bathroom with 100% cotton, OEKO-TEX-certified towels like these striped ones from Sand Shell Pembroke Stripe Cotton Towels from Piglet In Bed that have a cool vintage vibe.

Let The Outdoors In With Florals And Plants

Photo by Ksenia Chernaya

With clean, minimalist style, it’s even more important to bring a little bit of life into your space. Think of caring for a plant as a daily exercise in mindfulness. Bonus: Florals and plants instantly create an inviting atmosphere too.

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Header image courtesy of CB2