This post is sponsored by Lexington Law, but the content and opinions expressed here are my own. https://www.lexingtonlaw.com/disclaimer
Can we normalize talking about the “C” word? Yes, Credit! Storytime: Growing up, I never really listened to my parents about credit or even learned about it in school. How important credit is, how it can affect your life’s goals, wants and needs. In College I ran my credit to the ground, stores were handing out store cards like candy and the next thing I knew I was over 20,000 in debt as a college graduate! There was no way I was going to dig myself out of that hole. I made a vow to pay off all this debt by my 27th birthday, and I did. This made me very self-aware and dedicated to never putting myself in a bad credit position again.
Unfortunately, that wasn’t the case. When I became an entrepreneur, there were tough times when I had to lean on my credit cards to purchase products, pay bills and really survive off credit. Statistically minority entrepreneurs don’t get the same access to loans and business funding, so my personal credit was affected. Now that the world is changing and uncertain, I seek out companies like Lexington Law to help me build and maintain my credit so I can be a thriving entrepreneur, who doesn’t have to worry about applying for a loan in the future without fear of being denied due to my credit.
Even now, shopping is my kryptonite. It’s a part of my lifestyle but also my business, which I blog about. Since college I don’t lean on my credit cards when I shop, I learned that if I can’t splurge and pay for it now, then I probably don’t need it (or need to put on a credit card) only emergency things I keep reserved for my credit card which I can pay off month to month.
Lexington Law has really helped me learn new things about my credit, including disputing old accounts since my college days. You would be really surprised on what remains on your credit report that does not need to be there. They have options online, as well as a convenient app that you can download so you can always be confident about your credit even on the go. I will also note that they are super responsive and judgement free, credit affects everyone. Take a look at these great services/tools including:
Credit Analysis – This is easily one of the best tools as it gives you a direct breakdown of the factor’s creditors use to review your credit score + report! This tool will also allow you to see what accounts are affecting this factor and how to improve this factor of your credit report and score.
Money Manager – This is a budgeting tool that allows you to link your accounts with the app/website and set financial goals (paying off debts, saving accounts, etc.).
Credit Reports – You have access to your credit reports 24/7 and can download them at any time under the “Credit Reports” tab in the menu. This tab will also break down ALL the accounts on your credit report and show you positive and negative history on your accounts.
Inquiry Assist – Due to our agreement with the credit bureaus, CreditRepair.Com is unable to personally dispute inquiries on your report. The way we have gotten around this is with our Inquiry Assist tool on. Under Inquiry Assist, you are able to download pre-written letters by our attorneys that dispute the inquiry on your credit report. All you have to do is print, sign and mail the letter out. The letter will have the address for the creditor and the bureau on there.
24/7 Credit Monitoring - This is a big one for credit repair! Any changes that happen on your credit report or social security number, we will notify you and ensure these changes were made by you. If not, we will get in touch with the creditors for clarification and to make sure you are not to be held liable for the changes. This doesn't always happen but it's important that someone's got your back!
I encourage everyone reading this to check out Lexington Law, they have different levels of services that fit everyone’s budget but ultimately, building healthy credit knowledge is priceless.
Beauty Trends can sometimes be scary, but hey beauty is pain - right? Here are a few beauty trends you may be scared to try but you should do it anyway.
Now, I know what you are thinking. Botox is for really bad wrinkles or I don't want to get Botox and not be able to move my face. These are both misconceptions. For me, I get Botox for my chronic migraines, I tried everything prior to getting Botox and this has been my saving grace. I've gotten Botox for YEARS. If it serves a dual whammy of making my forehead smooth, then so be it :)
The secret to getting Botox is find someone who specializes in it and not just a bonus service. I paid my facial doctor, Dr. Donath a visit. He is the BEST. What led me to him was, he specializes just in the face and it took awhile to even get in for an appointment, you know that means he is doing something right.
Botox is not just for older women, you can get Botox for preventative measures as well as extra benefits such as stopping migraines, like me. In the video, Dr. Donath explains in detail what he is going to do, the procedure is painless as they numb the area before. If you're scared of needles then close your eyes, you'll only feel a slight pinch. The recovery time is very minimal. The basic things are, you can't exercise for 24 hours, you can't lay down for 4 hours to avoid increased blood flow which might cause the botox to be dispersed, and other guidelines your Doctor should give you for aftercare.
This is a beauty trend, I definitely approve and you should try. Please hit up Dr. Donath's office for a consultation, his whole staff is amazing.
You must be looking at this picture and saying, what is this Morgan and why. Let me tell you, my good friends over at Rapid Results Cryo. introduced me to this new beauty treatment with their Infrared Blanket.
Tiffany put me into this full body blanket that heats up and helps:
Sounds like a good time to me! Make sure you visit Rapid Results Cryo and take advantage of some special offers this month!
Everyone wants great eyebrows, right? Often times my eyebrows take the longest getting that perfect shape. The Brow Therapist offers semi permanent eyebrow services if you dare for great brows as soon as you wake up. Now, I have not tried this beauty trend yet, because I had several questions like: will it hurt? what if I don't like it? I don't want my brows looking crazy. My advice would be to go to someone who has a lot of pictures of their work like The Brow Therapist.
All my questions were answered on her FAQ page such as:
Things you should know about Semi-permanent brows?
This made me feel comfortable, I will be trying this beauty trend very soon!
Now, I know - what kind of steam? Well ladies, this is something that looks scary but really is not. I check out Me&She Doula Services which is also a Black Woman Owned business. Her space was beautiful and so relaxing. So what is a Yoni Steam?
A tradition used worldwide for centuries throughout many cultures across the globe. Yoni steam provides support to womb wellness through the use of gentle steam that permeates the delicate tissues of the vagina.
This treatment, bringing nutrients and health to the womb, provides women’s bodies with a multitude of benefits including:
For the month of August, Me&She Doula Services has a Fertility Friday Special. Every Friday steam sessions are only $35.
So, which one of these would you try or have tried?
Hitting the Streets with a POP!✨
I bet you’ve never had a Taro flavored popsicle? If you are in Cincinnati, make sure you head over to Streetpops they have the most unique and creative flavors that are all natural! So what is Taro? Taro is a starchy purple root vegetable. They mix with milk, coconut milk and vanilla for a creamy delicious treat.
Streetpops is located in St. Bernard and according to them, "streetpops are always made with fresh fruit and herbs, use local and organic ingredients whenever possible and never include anything you can’t pronounce, unless you have trouble with “cardamom”. So pop one of these babies in your mouth and prepare for a sublime frozen treat experience unlike any other."
How pretty is this Streetpops and it taste so good! I've never had Taro before, and it was very smooth - plus I felt like I was eating healthy! They have a bunch of other flavors like:
You better hurry before the season ends! Which flavor would you try?
Focused on my Focus.
Good News Alert! I am officially 2 lbs away from losing 20lbs with Profile by Sanford! This has been such an amazing journey for me since June 1st. I can’t even believe I’ve been able to not only lose this much weight but gain so much more confidence, energy and a new outlook on my life. I can’t say it hasn’t been a challenge but it’s nothing that I can’t handle.
Ya’ll know me, I am all about being transparent - have I followed my custom plan everyday to a perfection? No. Have I been honest with sharing that information with my coach? Yes. If I’m not how will that help me get to my ultimate goal of a healthier me. There have been many days where I want to give into temptation and just say, “If I have this, will it really hurt me?” But then I remember the reason why I wanted to start this journey in the first place. The food will be there, I’m not missing out on anything.
I’m super excited to see what my journey will show a month from now! I’ve already been getting comments on how great I look and how people can see my physical changes. For me, I’m excited to be able to show my community my results so they know they can do it too! As a minority woman I already know we are at higher risk to die of heart disease - I want to be able to make a bigger health impact in my own community and Profile by Sanford can truly help!
I encourage you to check out this program, you can use my special code MORGAN for a discount here.
This is a paid partnership.
It’s gonna be a hot summer...
Make sure you grab some Vive Seltzer to cool you down! How cute is this inflatable pool? It saved me on a super hot day like it’s been the last few weeks. Make sure you try the Dragonfruit flavor, it’s another one of my favorites!
Vive Seltzer has no artificial sweeteners, it’s gluten free, with only 100 calories and 2 grams of carbs. I have enough to worry about, my hard seltzer shouldn’t be one. I’ve been working on this bawdy honey👏🏽
Would you try this flavor? You can find Vive at Kroger and other stores near you, you can find here.
This is a paid partnership with Vive Hard Seltzer
Checking my messages like...
Monday, you don’t want no problems. Out here getting my mind, body, spirit and business all the way together. Shooting my shot, stepping my game all the way up and going for everything I deserve.
Whose with me??👏🏽👋🏽
Where my money makin, honey’s👋🏽💰
Serving rich auntie vibes. Issa look or are you shook? Would you rock this nail look?
Pancakes are healthy.
No really, these Pancakes from Profile by Sanford are the truth! To be honest, I had been CRAVING pancakes, like really missing eating them. I expressed my cravings to my coach Jess and she told me about the pancake mix that Profile had. She said it could take the place of a protein, I said, “say less.” Now, I was a little skeptical about “healthy pancakes” were they going to taste good? I knew they wouldn’t taste like my Mom’s homemade buttery pancakes so I kept an open mind.
To my surprise they were delicious! They were filling and was just what I needed to stop my pancake cravings. Plus they were easy and quick to make, I was able to prep and cook them within 10 minutes!
This is another reason why I am loving Profile by Sanford, they give you healthy alternative options for food that you love eating. I am also loving the “non” scale victories such as people noticing the change in my body and spirit - this is well worth the cost of this program.
If you are looking to make some serious lifestyle changes for the better, I encourage you to join me. This month only Profile is offering Free Shipping on all of their yummy food. Just click HERE to shop and use the code FREESHIP!
This is a paid promotional partnership
Who else was this happy to finally get a quarantine wax?!👋🏽
Im lying but it’s so necessary! I finally was able to book an appointment with my girl at Pure Beauty Skin Bar. Just because it’s a pandemic does not mean we can’t maintain self care and keep it cute. What I love about going to Pure Beauty Skin Bar is the owner Sylvia, she is very knowledgeable in skincare so she's going to make sure everything is done right and correctly. It's also a Black owned business, so double win!
I must admit I was nervous getting a wax done, I had not gotten a wax in YEARS. I know I am ashamed to admit it, Sylvia actually was the last person to do it at her old location. Its funny because I used to get them regularly with no problems, and now I was acting scared. I did have Sylvia spray some numbing spray I found at Sally's Beauty but I don't think it made a difference. If you have never had a wax before, it's not the most pleasant experience but if you have someone who knows how to do it quickly, it helps a lot!
So why get a wax? First of all, it makes wearing swimsuits easier, but it's also great for the summer heat and cleanliness - but really it's all about your preference and what makes your comfortable. I think every woman should experience a wax at least once in their life, who knows you may life it.
Before you go get a wax here are some of MY tips:
Here are Sylvia's (the pro) Tips before you go:
Sylvia shared some aftercare tips as follows:
Are you a wax vet or scaredy cat?
Make sure you visit Pure Beauty Skin Bar and schedule your wax!
Say, “Ready” if you’re going to have an abundant week!👋🏽
...but first coffee 😩 Last week I was hit with some rough news, some rejections and some opportunities taken away. This week, I’m using all those lemons and making some bomb af lemonade 🍋, ok!?👏🏽 This week I challenge you to:
1. Step out of your comfort zone
2. Do something you’ve been wanting to do
3. Do something you have been afraid to do because of fear
4. Complete that unfinished project
5. Smash this weeks goals
Y’all ready? 👋🏽
Morgan Angelique Owens is the author of "Finding My Sparkle" and Founder & CEO of the MAO Brand, Professional Pretty, and Curvy Cardio, LLC.
Let's Work Together!