Productivity Hack: Eat The Frog Method

Back at it again with another productivity method to help you start to become your most productive self. The Eat the Frog Method is the process of identifying your most difficult task of the day and completing it before you do any other work. Brian Tracy invented this technique introduced in his book Eat The Frog. This prioritization and productivity method influenced by Mark Twain quote: “Eat a live frog first thing in the morning and nothing worse will happen to you the rest of the day.”

The steps are simple:

Identify what your frog is: Any tasks you believe will take a long time or is too difficult

Eat it (DO it)


This productive method is meant to set you up to win. Starting the day with a win will help your work flow throughout the day. Once you do the hardest thing on your to-do list, the rest of the day will be 100x easier. Sometimes we have to trick our brain and set ourselves up for success.

Utilize this method for the month June and track your progress using out downloadable and FREE Eat the Frog Productivity Tracker:



3 Time Management Techniques

Why is time management important to productivity?

Time management is the process of organizing and planning how to divide your time between tasks. The result should be working smarter, not harder. I know that is easier said than done being a pro procrastinator, BUT the only way to grow is to make yourself uncomfortable.

While in college I realized that being a pro-procrastinator was not going to get me anywhere; so I decided to research ways to be more productive. I did everything from locking myself in my room for hours to using to dividing my tasks up in time blocks. I found that there is no right or wrong way to manage time. whatever technique or combination of techniques works for you go for it!

Today I wanted to provide you with 3 time management techniques that you can apply to your daily routine today!!

2 Minute Rule

This rule created by author James Clear states if you can complete a task within 120 seconds, you should tackle it now instead of later. Showing up for these tasks changes your mindset , you can do it, you just need to simplify the task into 2 minutes. The key is building the habit of completion one step at a time.

Apply to this time management technique to your life today: Choose a habit , Commit to following the rule, Track your progress

Pareto Principle

AKA the 80/20 rule , created by Italian economist, Vilfredo Pareto “Pareto used the principle to reveal an uneven but predictable distribution of wealth in society—80% of the wealth and income was produced and possessed by 20% of the population.”

How does this apply to time management?

This principle helps you focus your efforts on meaningful tasks that will create 80% of results. The goal is to help you pay attention to how you are actually spending your time.

Pomodoro Technique

A time management method based on 25-minute stretches of focused work broken by five-minute breaks.Longer breaks, typically 15 to 30 minutes, are taken after four consecutive work intervals. This technique helps you resist all of those self-interruptions and re-train your brains to focus.


STOCK WATCH: Virgin Galactic Holdings (SPCE)

*Disclaimer: I am not a financial advisor! Do your own research before investing in any company I discuss!*

Today for stock watch I want to present this really cool company! We have all heard of Elon’s Space X, but this company is also focused on space exploration!

Virgin Galactic Holdings, Inc. (SPEC) is a aerospace and space travel company, which engages in the manufacturing of advanced air and space vehicles, and provision of spaceflight services for private individuals and researchers.

Founded in 2017 and is headquartered in New Mexico

Current Price: $23.40

52 Week High: $62.80

52 Week Low: $14.21

This company does not pay any dividend.

In the past year, SPCE is up 35.57%

My opinion: SPCE is a very interesting company. No one has attempted to take average everyday people to space. I’m bullish on this company because of the endless possibilities. I’m holding my position for the long-term because we probably won’t see any results for 3-5 years!

Tell me what you think about SPCE down in the comments! Are you bullish? bearish? Is this your first time hearing about this company?

Photo by Pixabay on Pexels.com

More on SPCE:





Passive Income Idea: Use Passive Income Apps

If you already earn a paycheck for a 9-5 job or you’re interested in creating a consistent income source. This is the post for you! Today, we are going to focus on Passive Income Apps!

What is Passive Income?

Passive income is income that requires no effort to earn and maintain. However, you may need to put up work upfront to have everything set up and then afterwards it would be little to no work for you.

The great thing about passive income is that you can make as much or as little money that you want!


Get Paid To Use Facebook, Twitter And YouTube

Earn up to $175/day helping businesses post content to their social media accounts (Facebook, Twitter, YouTube, and Instagram.

The only experience you need is experience posting on any social media platform.

Learn more about this opportunity here.


Rakuten has helped shape the way people shop online, offering Cash Back, deals and shopping rewards on the world’s largest selection of products and services. 

Rakuteen frequently offers double cash back at the stores in the picture below! It is a good way to earn money while shopping.

(If you are interested in using Rakuten, use my link to sign up: https://www.rakuten.com/r/BHAIRS26?eeid=28187)


Robinhood is an easy-to-use investment app that makes it easy for the average person with no investment experience to build an investment portfolio. This passive income app makes it easy to invest in stocks, cryptocurrencies, and ETF’s.

Sign up for a Robinhood account and claim a free stock: https://join.robinhood.com/brittah759


What Is E-commerce? Examples and Benefits

If you ever wondered what e-commerce was or you were interested in starting an e-commerce business this is the post for you! I am going to give you definitions, examples and benefits of e-commerce!

What is E-commerce?

E-commerce is the buying and selling of good or services via the internet.

Types of E-commerce:

Business to Business (B2B):

Businesses selling good and services to each other. Examples include: software and raw materials

Business to Consumer (B2C):

Businesses selling goods or services to their customers. Examples include:

Direct to Consumer (D2C):

Newest model of ecommerce! A brand is selling directly to their end customer without going through a retailer, distributor, or wholesaler. Examples: Subscriptions and selling on platforms via Instagram and Facebook

Consumer to Consumer (C2C):

Consumers selling their goods or services to other consumers. Examples include: eBay, Etsy, Fivver, resellers

Consumer to business (C2B):

Consumers selling their goods or services to a business. Examples include: photographers, freelance writers, consultants

Examples of e-commerce:

  1. Subscription
  2. Retail
  3. Digital Products
  4. Wholesale

Examples of e-commerce websites:

  • Amazon
  • eBay
  • Alibaba

Benefits of E-commerce:

Global marketplace


Interested in starting your own online business? The Prosperity Formula – How To Start A Profitable Online Business



Welcome back to Stock Watch! Today we are diving into Realty Income!

As always I want to encourage you to do your own research about any stock that I discuss. Use this content as a starting point!

Realty Income (O) aka The Monthly Dividend Company is dedicated to providing stockholders with dependable monthly income.

If you don’t know what a dividend is check out my last post: What is a dividend?

Realty Income (O) is structured as a REIT (real estate investment trust)

The monthly dividends are supported by the cash flow from over 6,500 real estate properties owned under long-term lease agreements with commercial clients.

Fun Facts:

Realty Income (O) has paid 608 consecutive common stock monthly dividends throughout its 52-year operating history.

They have increased the dividend 110 times since going public in 1994

Dividend Yield: 4.21%

52 Week High: $66.95

52 Week Low: $47.68

Current Price as of 04/15/2021: $66.92

In the news:



Sign up for a Robinhood account and claim a free stockhttps://join.robinhood.com/brittah759


Stock Watch: ARK Fintech Innovation ETF (ARKF)

Welcome to Stock Watch! Everyday we are going to provide information on different stocks on the market! I am not telling you to invest in this stock, I am just providing you with information, so that you can make a well-informed decision.

ARK Fintech Innovation ETF (ARKF)

ARKF is an exchange traded fund launched and managed by ARK Investment Management. ARK invest in stocks of companies operating across financials sectors.

Expense Ratio: 0.75%

Holdings: 56

Top 10 Holdings:

Before investing in any stock, make sure you do your DUE DILIGENCE!

More on ARKF:



Sign up for a Robinhood account and claim a free stock: https://join.robinhood.com/brittah759


Business Planning 101: Introductory Page (w/EXAMPLES)

As I promised in The Importance of a Business Plan, I will be taking you on the journey of writing your very own business plan! We will be starting with the Introductory Page.

Components of the Introductory Page:

Name of business

When trying to come up with a name for your business focus on the important components of your business. If you are a company focused on helping women apply makeup under 30 minutes… maybe your name will include a synonym for “quick” or “fast” to incorporate that component! Get creative!

Address of business

If you already have a physical address for your business you would put that here. If not, just put the city and state your business will operate out of!


This part is self explanatory. Include all owners of the business. First and last name is okay for this section!

Confidentiality warning

This is the most important part of the Introductory Page! Anyone who receives your business plan will need to sign this confidentiality warning to insure anything written in the business plan is not copied or discussed with other parties without your permission.

You can create a free confidentiality warning at https://www.rocketlawyer.com/

Nature of financing needs

Here is where you will state the amount you will need to sustain your business. Look at the example below to view how to word this statement!

Business Nature

In this section, give a 1 sentence description of your business.

Table of Contents

The table contents is self explanatory! It is important to include page numbers in your table of contents, so that whoever is reading your business plan can easily navigate through it easily.




Dividend Aristocrats and Dividend Kings

Investing in dividend paying companies is a good way to receive passive income! Today, I want to share with you some of my favorite dividend aristocrats and dividend kings!

Dividend Aristocrats are companies who have increased their dividend for at least 25 consecutive years.

My favorite dividend aristocrats:

  • AT&T Inc. (T)
  • Atmos Energy (ATO)
  • Becton, Dickinson, & Company (BDX)
  • Roper Technologies (ROP)
  • AbbVie (ABBV)
  • S&P Global Inc. (SPGI)

Dividend Kings are companies who have increased their dividend for the last 50 years consecutively.

My favorite dividend kings:

  • Black Hills Corp. (BKH)
  • Federal Realty Investment Trust (FRT)
  • 3M Company (MMM)
  • Johnson & Johnson (JNJ)
  • Farmers & Merchants Bancorp (FMCB)
  • National Fuel Gas (NFG)
  • The Coca-Cola Company (KO)
  • Lowe’s Companies (LOW)
  • Stepan (SCL)

If you want to know more about dividends: What Is A Dividend and How Do They Work

Sign up for a Robinhood account and claim a free stock: https://join.robinhood.com/brittah759



I wrote my first business plan as a junior in college. The class was titled “New Venture Planning” and our only assignment was to write a business plan for whatever business we wanted to start. I Chose to create a multi-functional sports training gym in my hometown. I went through the process of preparing a 30 page business plan to be examined by my professor. It was during this process that I realized how important a business plan is. A business plan is like a will for your business. If something were to happen to you, someone could pick up your business plan to understand what your business is and how it works.

Let’s get into some definitions…

What is a business plan?

A business plan is a written document that describes in detail how a business runs. It’s basically a roadmap that you can refer back to anytime you want to.

Elements of a business plan includes:

Introductory Page, Executive Summary, Industry Analysis, Description of Business, Production Plan, Marketing Plan, Organizational Plan, Assessment of Risk, Financial Plan, and Appendix

If you’ve been hesitant about writing a business plan, let this be your sign to get your business down on paper!

The following post will be breaking down each element of a business plan! I’m excited to be on this journey with you guys!



It is important to know what types of business models are out there so that you can make the best decisions for your future business. You have to know what type of business you want to create. Do you want to sell products or services? What types of products or services do you want to sell? These are important questions that need to be answered before starting your business.

E-commerce business:

Business to business (B2B): Businesses selling good and services to each other.

Example: software, raw materials

Business to consumer (B2C): Businesses selling good or services to the customer

Consumer to consumer (C2C): Consumers selling goods or services to other consumers.

Example: eBay, Poshmark, Mercari, Etsy

Consumer to business (C2B): Consumers selling their goods or services to a business

Example: photographers, freelance writers

Service based business:

Customers purchase the skills of another person or business.

Examples: Personal Trainer, Graphic Designer

Online Consulting/Coaching

These will be online courses or coaching programs you can sell to consumers involving things you are knowledgeable about.

For example, if you are knowledgable about Adobe photoshop you can sell a course to someone who is interested in learning about Adobe photoshop.

The Prosperity Formula – How To Start A Profitable Online Business


What Is a Dividend and How Do They Work?

For the past 3 months, I have been obsessed with the stock market and figuring out different ways to make money using the stock market. One efficient way to make a passive income using the stock market is to invest in dividend paying companies.

What is a dividend?

Dividend: a payment a company makes to share profits with its stockholders. Companies pay dividend yearly, monthly, or quarterly. You will receive that dividend no matter if the stock is up or down.

How to find the dividend for a company?

Seeking Alpha is a great resource for any company research! In this photo, is the dividend summary and last announced divided for Coca-Cola (KO). When trying to decipher between companies to invest in for their dividend focus on:

Dividend Yield

Dividend Growth

Dividend Frequency

What is the dividend yield?

The dividend yield a percentage that represents the amount of money a company pays shareholders for owning a share of its stocks.

Safe dividend yield: above 1.5%-4%

Risky dividend yield: 5%-9%

Super risky dividend yield: above 10%

How do dividends work?


If you own 4 shares of a company that pays $0.15 yearly per share in dividends, you will receive $.60 per year from that company


If you own 4 shares of a company that pays $0.15 monthly per share in dividends, you will receive $0.60 a month

Yearly total: $7.20


If you own 4 shares of a company that pays $0.15 quarterly in dividends you will receive $0.60 quarterly (4 times a year)

Yearly total: $2.40

How do you know what companies to invest in to receive a dividend?

Look at the Dividend Aristocrats (Safe bet): companies who have increased their dividend for at least 25 consecutive years


  • AT&T Inc. (T)
  • Atmos Energy (ATO)
  • Becton, Dickinson, & Company (BDX)
  • Roper Technologies (ROP)
  • AbbVie (ABBV)
  • S&P Global Inc. (SPGI)

Look at the Dividend Kings (safest bet): increased dividend for the last 50 years consecutively


  • Black Hills Corp. (BKH) sector: utilities
  • Federal Realty Investment Trust (FRT) sector: real estate
  • 3M Company (MMM) sector: industrial
  • Johnson & Johnson (JNJ) sector: healthcare
  • Farmers & Merchants Bancorp (FMCB) sector: financial services
  • National Fuel Gas (NFG) sector: energy
  • The Coca-Cola Company (KO) sector: consumer defensive
  • Lowe’s Companies (LOW) sector: consumer cyclical
  • Stepan (SCL) sector: basic materials

REITS (real estate investment trusts): are required to distribute 90% of its taxable earnings – most will distribute at least 100% of their taxable earnings to fully utilize the dividends paid deduction and not have corporate income tax

List of REITS

  • American Tower (AMT)
  • Equity LifeStyle Properties (ELS)
  • Americold Realty Trust (COLD)
  • Innovative Industrial Properties (IIPR)

*Disclosure: this information is meant to be used for educational purposes only. do not make any investment until you have done your due diligence

Sign up for a Robinhood account and claim a free stock: https://join.robinhood.com/brittah759



We all have a desire to build new habits, but we fail because we don’t know how to make these new habits stick. In this post, I am going to give you 3 secrets to building new habits.

Let’s start at the beginning….

What is a habit?

A habit is defined as a settled or regular tendency or practice. Habits are little shortcuts that our brains create to do things as efficient as possible.

Routine is very important for a new habit to stick! You have to commit to your new habit and execute everyday!

You have to be able to recognize the difference between good and bad habits.

You Can’t Get Rid Of A Bad Habit, You Can Only Change It

Charles Duhigg

Now that you know what a habit is it’s time to reveal the secrets to building habits:

Secret #1

Choose a habit that improves your quality of life in a major way. Something specific that can be done each day (reading 10 pages a day, running 1 mile every day).

Secret #2

Get 1% better each day for a year. Here’s an equation to break this down for you:

1.01365 = 37

This means if you get 1% better for 365 days you will be 37 times better than when you started.

Habits Are The Compound Interest of Self-Improvement.

James Clear

Secret #3

Implement the 21/90 Rule to effectively build new habits

Commit to a personal or professional goal for 21 straight days. After the 21 days, you continue to do the established habit for another 90 days.

App Recommendation to track habits: Habitify

Book Recommendations:

Atomic Habits – James Clear

The Power of Habit – Charles Duhigg




The money you owe another person or a business.


Money owed for things that can help build wealth or increase income over time.

Example: student loans, mortgages, business loans


Money borrowed to purchase a depreciating asset

Example: cars, high interest credit cards

Book Recommendation:

The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness by Morgan Housel



I love when the products I use help me to stay productive! These products that I am going to share with you today have helped me to be my best self and to create my best works!

Here are 4 tech products I loved in February:

Apple iPad Pro – 2017 Model

I use my iPad to watch videos, listen to podcasts, track my habits, read books and even write posts for this blog! I bought my iPad (used) 2 years ago because I felt it was a good addition to help my workflow. I’m a college student so my iPad being lightweight is a plus when I’m always on the go!

Here’s a link to check out this particular iPad if you are interested: https://amzn.to/3q2qJw2

Pure Daily Care Oil Diffuser

I LOVE LOVE my oil diffuser! I use this everyday to set the vibe for the day/ It’s crazy how essential oils can affect your mood and productivity for the day. This oil diffuser came with 10 essential oils and has 7 ambient light settings! My favorite essential oils are Lemongrass and Jasmine!

Here’s a link to check it out and see if it would be right for you: https://amzn.to/37Wf4si

Tonor TC-777 Microphone

This microphone exceeded my expectations this month! I’ve been using it for a few projects that I am working on and it has done its job! This microphone is a good quality for the its inexpensive price-tag! It includes a metal stand, shock mount and pop filter! Everything you would need to get started for half the cost!

*This microphone is compatible with macOS, Windows and Linux*

If you want to check out this microphone for your projects: https://amzn.to/37WvYXQ

Logitech M187 Wireless Mini Mouse

I love this mouse! I have used it for over a year and it hasn’t given out on me yet! As a college student, anything that will help my life a little easier is a plus! This mouse is easy to store and makes me feel in control of my laptop screen!

Here’s a link to check it out and see if it will be a good fit for you: https://amzn.to/3sznQEl

I hope you all enjoyed this post as much as I enjoyed writing it! I will be doing these every month for the rest of 2021! In the comments, share what has been your favorite tech products this month?

*Disclaimer: This post may contain affiliate links.”



Podcasts are a great way to gain more knowledge about any topic! The podcasts I listen to focus on business, branding and personal development. I listen to these podcasts while I’m cooking, eating, working, exercising etc. In my opinion, listening to podcasts are more convenient than reading books! So if you’re a busy person and you want to find time to gain knowledge about anything I suggest listening to podcasts!

Here is a little homework assignment for you: Choose 1 podcast to listen to for the month of March!

Here are 3 podcasts I loved in February:

Earn Your Leisure

Rashad Bilal and Troy Millings are the hosts of Earn Your Leisure. They give you a behind the scenes financial views into the entertainment and sports industries as well as highlighting back stories of entrepreneurs. Basically they focus on mixing business and pop culture! Earn Your Leisure is currently on Apple Podcasts, Spotify, and YouTube.

Listen on Apple Podcasts

Listen on Spotify

Favorite Episode: EYL #116 The Maverick feat. Mark Cuban

Battle Ready

A podcast created by father-son duo Erwin and Aaron McManus. Battle Ready is a podcast for the mind, body and soul.

Listen on Apple Podcasts

Listen on Spotify

Favorite Episode: Pain Tolerance & Trust Issues

Journey to Launch

Journey to Launch emerged in 2016 by founder Jamila Souffrant initially as one person’s expedition to reach financial independence. After one year of logging her transformational growth to Financial Independence, the blog piqued the interest of a larger audience which inspired the launch of the podcast.

Listen on Apple Podcasts

Listen on Spotify

Favorite Episode: How To Transition from Corporate America to Entrepreneurship


The Hard Truth About Manifestation

While reading The 10 Pillars of Wealth this quote stuck out to me: “You can’t
expect your life or circumstances or situations to change if you don’t change.” This
sentence took me back to last year when I was thinking positive thoughts and
speaking manifestations into the air.

Spoiler alert: nothing changed.

I was struggling to understand why nothing changed when I felt like my energy
changed. Until I realized that talk is cheap. We can say what we want to happen,
but if we don’t put change behind those words its useless.
If we don’t put action behind our manifestation we are wasting our breath.

Here’s an example that we all can relate to of manifestation without action:

Say it’s December 31st and you are writing down all of the things you want to
accomplish when next December rolls around. One of those things on your list is
you want to lose 20 pounds. You are motivated to lose the weight, you even write
it down in the form of a manifestation “I will lose 20 pounds by this time next year.”
January rolls around and you’re not exercising or eating healthy, BUT you’re still
writing down your manifestation “I will lose 20 pounds by December.” June comes
you’re still aren’t putting in any work to reach your weight loss goal BUT you’re
continuing to write “I will lose 20 pounds by December.” And so on and so forth.
The only change you made in your life was writing down the same baseless
manifestation. A manifestation that can’t come to fruition because you are not
putting the work behind it! Let’s stop making baseless claims and let’s start
putting some action behind it!

If you are interested in reading The 10 Pillars of Wealth I have inserted it as a

Finally Revealed: The #1 Secret For Manifesting Wealth, Happiness, Love & Success



If you are starting your investing journey, you need to research stocks before investing. This is key in making the right decision and getting into a stock at the right price.

Sites to use for research (best site for beginners):


Yahoo Finance

Seeking Alpha

Quantitive Research

A good way to start is to look into the company’s financials. This will give you a clear indicator on whether or not the company is worth investing in. If you are looking for a long term investment, you want to invest in companies who have consistently made money.

Focus on these areas when looking at a companies financials:

Revenue – both operating and non operating

Net income – sales minus cost of goods sold, general expenses, taxes and interest.

Earnings per share (EPS): profitability on a per-share basis

Qualitative Research

“Buy and hold companies that make goods and produce services that you love.” – Elon Musk

Look into a company’s business practices

Sustainability reports (if sustainability is important to you)

Research based on values that are important to you

Invest in companies that you believe in.

Look into where the company ranks amongst their competitors


Earn a free stock by joining Robinhood



5 Books for Beginner Investors

If you’re ready to start investing and are looking for a guide, here are some of the best investing books for beginners.

It’s important to do your own research before you start investing. I will have more on how to research before investing in the coming weeks.

A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing – Burton G. Malkiel

 A Random Walk Down Wall Street has long been established as the first book to purchase when starting a portfolio. This new edition features fresh material on exchange-traded funds and investment opportunities in emerging markets; a brand-new chapter on “smart beta” funds, the newest marketing gimmick of the investment management industry; and a new supplement that tackles the increasingly complex world of derivatives.

Purchase on Amazon: https://amzn.to/39XlEQS

The Little Book That Still Beats the Market – Joel Greenblatt

In The Little Book, Joel Greenblatt, Founder and Managing Partner at Gotham Capital (with average annualized returns of 40% for over 20 years), does more than simply set out the basic principles for successful stock market investing. He provides a “magic formula” that is easy to use and makes buying good companies at bargain prices automatic. Though the formula has been extensively tested and is a breakthrough in the academic and professional world, Greenblatt explains it using 6th grade math, plain language and humor. You’ll learn how to use this low risk method to beat the market and professional managers by a wide margin. You’ll also learn how to view the stock market, why success eludes almost all individual and professional investors, and why the formula will continue to work even after everyone “knows” it.

Purchase on Amazon: https://amzn.to/3tvYEjH

Beating the Street – Peter Lynch

In Beating the Street, Lynch for the first time explains how to devise a mutual fund strategy, shows his step-by-step strategies for picking stock, and describes how the individual investor can improve his or her investment performance to rival that of the experts.

Purchase on Amazon: https://amzn.to/36SqI6V

The Financial Diet: A Total Beginner’s Guide to Getting Good with Money – Chelsea Fagan and Lauren Ver Hage

The Financial Diet will teach you:
• how to get good with money in a year.
• the ingredients everyone needs to have a budget-friendly kitchen.
• how to talk about awkward money stuff with your friends.
• the best way to make (and stick to!) a budget.
• how to take care of your house like a grown-up.
• what the hell it means to invest (and how you can do it).

Purchase on Amazon: https://amzn.to/3rwIF2M

The Outsiders: Eight Unconventional CEOs and Their Radically Rational Blueprint for Success – William N. Thorndike

In this refreshing, counterintuitive book, author Will Thorndike brings to bear the analytical wisdom of a successful career in investing, closely evaluating the performance of companies and their leaders. You will meet eight individualistic CEOs whose firms’ average returns outperformed the S&P 500 by a factor of twenty—in other words, an investment of $10,000 with each of these CEOs, on average, would have been worth over $1.5 million twenty-five years later. You may not know all their names, but you will recognize their companies: General Cinema, Ralston Purina, The Washington Post Company, Berkshire Hathaway, General Dynamics, Capital Cities Broadcasting, TCI, and Teledyne. In The Outsiders, you’ll learn the traits and methods—striking for their consistency and relentless rationality—that helped these unique leaders achieve such exceptional performance.

Purchase on Amazon: https://amzn.to/3cRegZ8



As a black women, I feel that it is important to highlight black businesses! I have posted black owned businesses frequently and will continue to do so. To celebrate Black History Month, I plan to post something related to Black History weekly! Today, I want to present you with 5 inventions from black inventors.

Ironing Board

Invented by Sarah Boone

Artificial heart pacemaker control unit

Invented by Otis Boykin

Home security system

Invented by Marie Van Brittan Brown

Heating, ventilation and air conditioning

Invented by David Crosthwait Jr.

Curtain rod

Invented by Samuel Scottron


How To Overcome Imposter Syndrome

Imposter syndrome is an internal experience of believing that you are not as qualified as others perceive you to be.

It’s all in your head and is centered around self-doubt. People don’t understand that self-doubt is more powerful then the effects of other peoples’ opinions about you. You have to do the work within in order to overcome imposter syndrome.

To overcome imposter syndrome:

  • Remind yourself: “I’m here for a reason.”
  • You have to continue to put in the work. Become overprepared.
  • Remind yourself: “If I can help one person, I’ve accomplished a lot.”

More on overcoming imposter syndrome:

“How I Fight Imposter Syndrome” Ali Abdaal | https://youtu.be/RBcEpsTmT8Y

Book Recommendation: The Imposter Cure: How to Stop Feeling Like a Fraud and Escape the Mind-trap of Imposter Syndrome – Jessamy Hibberd | https://amzn.to/39JWcOv


How Can You Make Money? | The 8 Income Streams

There are so many ways to make money in 2021. There is a market for just about anything. Today I want to provide you with the 8 income streams along with examples of each.

The 8 Income Streams:


Earned income is the income you receive from working a job. This income includes wagers, bonuses, salaries, commissions, and net earnings from self-employment.


Profit income is income you receive from buying and selling. I have personal experience with profit income. My resell business is how I’m able to obtain this income. Basically, I buy an item for low and sell for retail or higher then retail. Check out my posts on how I sell items on eBay.


Interest income is interest from lending money. This income is earned from an investment or project you put your money into. Interest income can also be generated by savings accounts and CDs.


Residual income is when you continue to get paid after work is done after expenses and costs are deducted.


Dividend income is income from owning stocks. Companies pay a percentage of your shares back to you monthly, quarterly or yearly. Before purchasing a share of the stock, check to see if they pay a dividend.


Rental income is income from renting a house.


Capital gains are assets increasing in value. Usually these will be profits from the sale of an asset (shares of stock, piece of land, a business etc.) Types of assets considered as capital gains are immovable assets (ex. real estate) , moveable property (ex. Gold), listed shares, equity oriented mutual funds, and debt oriented mutual funds.


Royalty income is income from others using your idea. Includes patents, copyrighted works, natural resources and franchises.

Book Recommendation:

Infinite Income: The Eight-Figure Formula for Your Online Business by Tanner Chidester

In Infinite Income, Tanner is showing you how you can build your own online empire by letting your ambition drive you and newfound knowledge guide you. You’ll learn the basics of starting an online business using the same strategies Tanner teaches in his Elite CEOs training courses. From realtors and writers to personal trainers and consultants, all types of entrepreneurs will benefit from Tanner’s customizable approach to starting a business. You’ll learn how to set up a website, establish sales funnels, create YouTube ads, and leverage social media, among other valuable insights.

The Prosperity Formula – How to Start a Profitable Online Business


How To Create A Website on WordPress (video)

If you’re reading this and want to create your own website on WordPress this is the video for you! This is Part 1 of a 6 Part series! You can use the website for anything you want and potentially earn some passive income!

The Prosperity Formula – How To Start a Profitable Online Business


Right-brained? Left-brained?

Our personality, thinking style and how we do things stems from us being left-brained or right-brained.

To be considered left-brained or right-brained these factors will apply:

I took a quiz to see if I was more left-brained or right-brained and the results showed that I was more right-brained. This was surprising because I struggle with creativity and imagination. The more you know!

If you are interested in the quiz here’s a link: https://www.mentalup.co/blog/right-brain-left-brain-test

When you finish the quiz, tell us your results in the comment section!


The Importance of Emotional Intelligence

According to Daniel Goleman, emotional intelligence is the ability to understand and manage your own emotions, and those of the people around you. There are 5 key elements of emotional intelligence: self-awareness, self-regulation, motivation, empathy and social skills.


Ability to recognize your emotions and how they affect your behaviors.

Ability to recognize your strengths and weaknesses.

You self-reflect and are honest with yourself.


Ability to control reactions to emotions.

How well are you able to control your emotions when put in a high-stress situation? Do you crack under pressure?


Intrinsic motivation: motivated by things beyond fame, money and recognition.

Has the ability to self-motivate.

Focus on achieving inner goals.


Understanding other peoples’ thoughts, views, and feelings

Social skills

The skills needed to handle and influence other people’s emotions effectively

Social skills include communication skills, building bonds, persuasion and influencing skills, team-working skills

From what you read on emotional intelligence, would you consider yourself to be emotionally intelligent?


2021 Book List

Reading is essential to your growth!

One of my goals is to read 12-15 books this year! I have compiled a list of books that I want to dive into over the next few months! Reading is so important for self development, so check out my list and go grab you a book! Let’s be better than we were in 2020!

*There will be Book Highlights for each book I read this year!*

Book List


The Artisan Soul – Erwin McManus

In The Artisan Soul, Erwin Raphael McManus— author, thought leader, and founder of MOSAIC in Los Angeles—pens a manifesto for human creativity and the beginning of a new renaissance. McManus not only calls us to reclaim our creative essence but reveals how we can craft our lives into a work of art. There are no shortcuts to quality, and McManus celebrates the spiritual process that can help us discover our true selves.

Get Out Of Your Way – Russ

An inspirational book by self-made musical superstar, Russ, reminding you that it starts with YOU, to believe in yourself, and to get out of your own way. 


The Gucci Mane Guide to Greatness – Gucci Mane

From the platinum selling recording artist and New York Times bestselling author of The Autobiography of Gucci Mane comes THE GUCCI MANE GUIDE TO GREATNESS—an unprecedented look at Gucci Mane’s secrets to success, health, wealth, and self-improvement.


Anything You Want: 40 Lessons for a New Kind of Entrepreneur – Derek Sivers

Best known for creating CD Baby, the most popular music site for independent artists, founder Derek Sivers chronicles his “accidental” success and failures into this concise and inspiring book on how to create a multimillion-dollar company by following your passion. Sivers details his journey and the lessons learned along the way of creating and building a business close to his heart.


Hurricanes – Rick Ross

From his first major label deal to the controversies, health scares, arrests and feuds he had to transcend along the way, Hurricanes is a revealing portrait of one of the biggest stars in the rap game and an intimate look at the birth of an artist.


Girl, Wash Your Face – Rachel Hollis

In this challenging but conversational book, Rachel exposes the twenty lies and misconceptions that too often hold us back from living joyfully and productively, lies we’ve told ourselves so often we don’t even hear them anymore.


Start With Why – Simon Sinek

START WITH WHY shows that the leaders who’ve had the greatest influence in the world all think, act, and communicate the same way — and it’s the opposite of what everyone else does. Sinek calls this powerful idea The Golden Circle, and it provides a framework upon which organizations can be built, movements can be led, and people can be inspired. And it all starts with WHY.


The 4-Hour Workweek – Timothy Ferris

Forget the old concept of retirement and the rest of the deferred-life plan–there is no need to wait and every reason not to, especially in unpredictable economic times. Whether your dream is escaping the rat race, experiencing high-end world travel, or earning a monthly five-figure income with zero management, The 4-Hour Workweek is the blueprint.


The Motivation Myth – Jeff Haden

Haden shows us how to reframe our thinking about the relationship of motivation to success. He meets us at our level–at the beginning of any big goal we have for our lives, a little anxious and unsure about our way forward, a little burned by self help books and strategies that have failed us in the past—and offers practical advice that anyone can use to stop stalling and start working on those dreams.


Grit: The Power of Passion and Perseverance – Angela Duckworth

In this instant New York Times bestseller, Angela Duckworth shows anyone striving to succeed that the secret to outstanding achievement is not talent, but a special blend of passion and persistence she calls “grit.” “Inspiration for non-geniuses everywhere” 


Atomic Habits – James Clear

Atomic Habits offers a proven framework for improving–every day. James Clear, one of the world’s leading experts on habit formation, reveals practical strategies that will teach you exactly how to form good habits, break bad ones, and master the tiny behaviors that lead to remarkable results.


Extreme Ownership: How U.S. Navy Seals Lead and Win – Jocko Willink and Leif Babin

Combat, the most intense and dynamic environment imaginable, teaches the toughest leadership lessons, with absolutely everything at stake. Jocko Willink and Leif Babin learned this reality first-hand on the most violent and dangerous battlefield in Iraq. As leaders of SEAL Team Three’s Task Unit Bruiser, their mission was one many thought impossible: help U.S. forces secure Ramadi, a violent, insurgent-held city deemed “all but lost.” In gripping, firsthand accounts of heroism, tragic loss, and hard-won victories, they learned that leadership―at every level―is the most important factor in whether a team succeeds or fails.


Limitless – Jim Kwik

JIM KWIK, the world’s #1 brain coach, has written the owner’s manual for mental expansion and brain fitness. Limitless gives people the ability to accomplish more–more productivity, more transformation, more personal success and business achievement–by changing their Mindset, Motivation, and Methods.

Comment which book you’re excited to read!

*This post contains links that I can receive a percentage of the purchase of the books listed at no cost to you!*


Reintroduction + 2021 Overview

I have gained so many new followers in the month of December, so I wanted to take the time out and reintroduce myself! I’m Brittany, a senior at The College of Charleston. I started this blog in 2019 to be a resource to people looking to better themselves through the transformation of their mind (i.e. growth mindset).

This year I want to shift to the focus of this blog to wealth building advice and transformation of mindset. 2021 is the year for elevation and I can’t wait to grow with you all!

Comment below any topics you want me to cover in 2021! Your feedback is appreciated.




Rock Deep was created by Rocky Parrish, who after years of playing sports developed problems with his feet. This resulted in him wanted to develop footwear that would provide maximum comfort. Rock Deep has a wide variety of shoe styles for men and women, as well as apparel.



Founder Eric Jones (Doctor Dapper) dedicates his luxury footwear brand to his late mother who was his source of support and inspiration. LFLS Shoes are designed in the U.S. and handcrafted in Brazil. There are style options for men and women.



Kendall Reynolds, a third generation entrepreneur from the Southside of Chicago, founded Kendall Miles Designs (2015) while in college at the University of Southern California. She received formal training from Ars Sutoria in Milan, Italy, as well as spending time in NYC in the fashion industry. Kendall Miles are designed in LA and crafted in Florence, Italy.




Over the past two months, I have had the honor of learning from guest speakers from all around the world. The value that these speakers provided was invaluable. I took notes from each speaker and would like to share with you a list of lessons I learned from each one

  1. Develop relationships
  2. Don’t run from fear
  3. Do what makes you happy
  4. Success is being able to move forward from failure
  5. Progress is in your control
  6. Use your network
  7. Stand up for yourself
  8. Continue learning
  9. Pivot
  10. Everything comes full circle



Use every opportunity to learn!

Here is a list of five must-watch Ted Talks:

  1. Simon Sinek | How great leaders inspire action

2. Dan Pink | The puzzle of motivation

3. Angela Lee Duckworth | Grit: the power of passion and perseverance

4. Kelly McGonigal | How to make stress your friend

5. Shawn Anchor | The happy secret to better work



  1. Experiences are everything.
  2. Ask the right questions.
  3. Failure is not an identity, but an opportunity.
  4. Don’t be afraid to take risks.
  5. Outlast your problems.
  6. Have faith in what you’re building.
  7. Don’t run from fear.
  8. Be a sponge, learn it all.
  9. Make the most of every opportunity.
  10. Do what makes you happy!

With this being the “Deep Thoughts” section, I want to know some of the life lessons that have impacted you in the comments!



Having a business plan is essential to any business no matter the industry. Organize your thoughts and put them into a organized plan! I am providing you with a checklist to help you visualize and organize your thoughts!

There is also a printable PDF checklist located at the bottom of the post.

Introductory Page:

  • Name, address of business
  • Names of principals
  • Nature of business
  • Statement of financing needed
  • Confidentiality warning
  • Table of contents

Executive Summary:

  • Description of business
  • Growth potential
  • Business strategy
  • Competition 
  • Management and experience
  • Principals
  • Funds sought and uses
  • What investors get in return
  • Exit strategy for investors
  • Financial summary

Industry Analysis:

  • Past sales in industry
  • Anticipated industry growth
  • What are the new products?
  • Who is the competition? 
  • Distinctive competence?
  • Strengths, weaknesses of competitors
  • Market segmentation
  • Who are the customers?
  • Excellent cross-referencing
  • Regulatory issues

Description of the Venture:

  • Products and services
  • Location and site details
  • Size of the business
  • Office and other equipment
  • Personnel needs
  • Background and experience
  • Reasons for going into business
  • What development work has been done?
  • Social responsibility 

Production Plan: 

  • Division of responsibility for manufacturing 
  • Who are the subcontractors?
  • What are the costs of subcontracting? 
  • What raw materials are needed?
  • Who are the suppliers?
  • What are the capital needs?
  • What is the inventory control system?
  • What are the storage needs?

Marketing Plan:

  • Analysis of business environment 
  • Demand and competition
  • Who is the target market? 
  • Company strengths, weaknesses
  • Overall marketing strategy
  • Pricing plan and issues
  • Distribution and promotion
  • Implementation cost and controls

Organizational Plan: 

  • Corporate , Legal structure
  • Principals and partners
  • Authority of principals 
  • Management team background
  • Roles and responsibilities
  • Job descriptions 
  • Performance appraisal system
  • Advisory board detail
  • Technology plan

Assessment of Risk:

  • Potential weaknesses of business
  • Contingency plans
  • Details
  • Strategic position

Financial Plan: 

  • Income statement
  • Details of assumptions
  • Balance sheet
  • Break Even analysis
  • Sources and applications of funds


  • Resumes of principals 
  • Market research data 
  • Sources of information
  • Justifications for claims
  • Price lists where available 

The Prosperity Formula – How To Start A Profitable Online Business


4 Ways to Contribute to your Personal Growth Daily

I take my personal growth seriously. I take your personal growth seriously! To be able to see changes in your personal growth you have to “feed” it daily! Pump as much positive content into your mind as humanly possible! Your personal growth journey should be important enough that you put in the work to see positive changes in your life.

Here are 4 Ways You Can Contribute  Your Personal Growth Daily:

Listen to Podcasts

I love listening to podcasts when I’m driving, cooking, and working! Podcasts are an easy way to pick up some new knowledge! Some of my favorite podcasts are Earn Your Leisure, Overthinking with Steph, Hustle Sold Separately, and The Ground Up Show.

Master the Market NOW: Top Investment Tips for Immediate Profit Earn Your Leisure

Welcome to our deep-dive session, 'Master the Market NOW: Top Investment Tips for Immediate Profit.' In this video, we will equip you with cutting-edge strategies and insights that can help you navigate the financial market for immediate gains. Whether you're a beginner investor or an experienced trader, our expert tips will provide valuable guidance to help you make smarter, more profitable decisions. From identifying potential investment opportunities to understanding market trends, we've got you covered. Hit subscribe and stay tuned for more financial wisdom. Remember, the time to master the market is NOW!GET YOUR TICKETS TO THE NUMBER #1 FINANCIAL FESTIVALhttps://investfest.comJOIN THE NUMBER #1 EDUCATIONAL PLATFORMhttps://www.eyluniversity.com/communityAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
  1. Master the Market NOW: Top Investment Tips for Immediate Profit
  2. Business Opportunities in Africa for Black Americans
  3. EYL #239 Mary J. Blige on Tax Issues, Strength of a Woman, Divorce, Paying Alimony, Acting, Music & Business
  4. Mastering the Art of Deal-Making: Essential Business Negotiation Strategies Explained
  5. Cliff Notes: Will the Bull Market Survive

Read Books

As you may know if you’ve been reading my blog posts for awhile, I’m always encouraging you to pick up a book! Reading is essential to life. There are some many great books out there that will help you on your personal growth journey. My personal favorites are The Happiness Advantage, Shoe Dog, and Think & Grow Rich.

Interact with blog posts

We use blog posts for just about anything! I usually use blog posts when I’m researching a specific topic that I want a deeper understanding of! My favorite blogs are The Art of Non-Conformity, Live Bold& Bloom, and Change Your Thoughts, Change Your Life.

Watch YouTube Content

YouTube has been the easiest way for me to contribute to my personal growth! There is so much quality content focusing on personal growth that it’s hard to pick a few favorites! Some of my favorite YouTube channels are Erin On Demand, GaryVee, and Nathaniel Drew. I will also link my favorite video from each of those channels!




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SOLEBOY APPAREL Check out more from this collection: https://soleboyapparel.com/


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Today’s FINANCIAL LITERACY LESSON will be focused on BEAR MARKET VS BULL MARKET!(Market is referring to the stock market) Before you invest, it is important that you understand what the market is doing and I hope this post is helpful!


When a market experiences prolonged price declines

Characterized by investors’ pessimism and low confidence

Occurs before or after the economy moves into a recession

A condition in which securities prices fall 20% or more from recent highs for a two-month period

The average length of a bear market is 363 days according to investment company Invesco

A bear market occurs every six years

The Covid-19 bear market started March 11, but entered a bull market a couple weeks later


Stock prices are rising

Market sentiment is optimistic

Occurs when there is a rise of 20% or more over a two-month period

The average length of a bull marker is 6.6 years

During this period where more companies start trading through an IPO

For more on bear and bull markets: https://www.investopedia.com/terms/b/bearmarket.asphttps://www.thebalance.com/what-is-a-bear-market-difference-from-a-bull-3305814https://www.nerdwallet.com/article/investing/how-to-invest-during-a-bear-market#:~:text=A%20bear%20market%20is%20defined,well%20as%20for%20individual%20stocks.https://www.thebalance.com/what-is-a-bull-market-3305821https://www.investor.gov/introduction-investing/investing-basics/glossary/bull-markethttps://www.acorns.com/money-basics/investing/what-is-a-bull-market/https://www.investopedia.com/terms/b/bullmarket.asp



Hey guys! I want to share with you the tips and tricks I have developed over the past 2 years of selling on eBay! I want you to have every tool necessary to be a successful seller on eBay! Also, I will be including items that I use on a daily basis for my eBay business! Leave me some feedback in the comments!

  • Take clear photos
  • Write clear descriptions (Example: New without box, Men’s Size 10.5, Will ship immediately and package carefully)
  • Make sure your titles are accurate (especially for electronics) In the photo above you see that I include the style code + the size of the shoe in the title
  • Get free boxes from USPS if available; if not order from Amazon (Partner’s Brand 14″L x 10″W x 6″H (Pack of 25) or buy from Walmart
  • Don’t cheat the market (posting for a lower price to sell quicker, it brings the market value down of the item)
  • Sell in lots for quicker sales (especially for books) I had these books laying around my house, instead of selling each individual I decided to sell them together! Sidenote: you can sell books individually, but do your research before your list so that you know what’s selling
  • Drop packages off at post office as soon as possible, so that there won’t be issues with your eBay seller status

My eBay page: https://www.ebay.com/usr/brittanhairsto-9

Hairston Hustle Instagram: https://www.instagram.com/hairstonhustle/


Side Hustles You Can Start w/ Little To No Money


Start a blog: Of course this had to be #1, blogging can open up so many doors for other side hustles! You can monetize your blog by using affiliate links or by sponsoring companies on your blog using ads! Blogging is a fun way to connect with other like-minded people and impact someone’s life. I recommend using WordPress to start your blog, it is easy to use and the plans are reasonably priced!

Drive for Lyft/Uber: This is probably the most well-known side hustle! Use your car to put extra money in your pocket!

Test apps and websites: An easy way to make money from the comfort of your bed or couch! The only thing that is required is your time! I recommend signing up for UserTesting!

Babysitting/Dogsitting: I guarantee you their are children and dogs that need to be watched! You can join Facebook groups to find parents looking for someone to watch their child or even their dog!

Complete online surveys: Another easy way to make money on your own time! Completing online surveys is time consuming but could be a fun way to bring in some extra spending money! I recommend using Survey Junkie, InboxDollars, and Lifepoints.

Sell items on eBay, Poshmark, and Mercari: Sell whatever you have laying around the house or go to yard sales/garage sales and find items to sell! This is one of my personal favorite side hustles! I will have more posts on reselling on these platforms soon!

Write an Ebook: Write about what you know and do well! Think of ebooks as a how to guide for others to know how to do something you are well experienced in! You can sell your ebook on Amazon or Gumroad! I have heard positive reviews about both platforms!

Start a podcasting: Podcasting is a fun way to let your voice be heard! Plus, you can make some side money with sponsorships! I have a podcast releasing very soon for you guys!! I recommend using Anchor to start your podcast! Anchor is a free platform that is focused around you putting your best content out there! I have been using the Amazon’s Choice USB Microphone to record the episodes for the podcast and it has been great!

Freelance your skills: This is another good way to make some side money! I guarantee you any skill you have can be monetized! Use Fiverr and UpWork to freelance your skills for money! These sites are easy to use and there are many gigs that you can create!


Stock Market 101: Key Concepts

Hey guys! I’m back again with another Financial Literacy post! Today, I am discussing stock market key concepts and vocabulary! Learning new things is so fun especially during these times! I hope that you can learn something new or refine your knowledge on the stock market! I would love if you share something you learned from this blog post and/or add anything that you think would be important for others to know in the comments! Sharing is caring!

This photo is a screenshot of a Yahoo Finance summary for Amazon:

Open – the price of the stock when trading begins

Bid – current highest price someone’s willing to pay for a stock

Ask – Current lowest price someone’s willing to sell the stock at

Volume – Amount of shares being traded

Day’s Range – the lowest to highest price of a stock for the day

Market Cap – the total value of all a company’s shares of stock (calculated by multiplying the price of a stock by its total number of outstanding shares)

Beta – a measure of a stock’s volatility. If a stock moves less than the market, the stock’s beta is less than 1.0. High beta stocks = more risk, higher return; Low beta stocks = less risk, lower returns

P/E Ratio – a company’s share price to its earnings per share

EPS(Earnings per share) – a company’s profit divided by the outstanding shares of its common stock

Earnings date – the date of the next release of a company’s financial report

Its imperative that you do your own research on the stocks you are interested in investing in! Below are some of the resources that I have found helpful throughout my investing journey! I would love if you would share your favorite resources and/or tips for understanding the market!



Below is a screenshot of the Amazon stats that are displayed on Robinhood! As you can see it is less complex than Yahoo Finance, which is great for beginners! Personally, I love using this platform to invest! It is free to download and easy to use! If you would like to check it out, use my link and get a free stock when you sign up: https://join.robinhood.com/brittah759

Yahoo Finance:

I use Yahoo Finance to research stocks and companies I am interested in investing in! I was introduced formally to Yahoo Finance my freshman year in undergrad by my Financial Literacy professor. She taught us how to navigate Yahoo Finance to be able to get the most meaningful information out of this resource! Research is so so so important when investing in anything especially the stock market!


Investopedia is another good resource for investing! There are education tools, market news, personal finance assistance and courses available to you! I have learned so much about money from this resource!

Investopedia Simulator:

If you are hesitant with investing real money into the market, this is the tool for you! The Investopedia Simulator is completely risk free, you use $100,000 of Fake money to invest in the stock market in real time! You are able to create strategies and build confidence before actually investing your money!

Market Monday’s (EYL):

YouTube University is your best friend especially if you are a visual learner! Everything is free which is great! Market Monday’s is a segment created by Earn Your Leisure, every Monday the founders of EYL have stock market experts hold a seminar in real time about everything concerning the stock market! I started watching at the beginning of the quarantine and have learned so much! I have linked an episode that I really enjoyed and I hope you will enjoy it as well!

The Intelligent Investor by Benjamin Graham:

I recommend this book for anyone interested in starting a journey in stock market investing! This book was assigned in my Financial Literacy course and it changed the way I thought about investing and helped me to build my own strategies for investing! Reading books is the easiest way to obtain knowledge!


Assets vs. Liabilities

Prior to coming to college I was never taught financial literacy. Everything changed once I took a financial literacy course during my freshman year in college! It created a hunger for me to learn more about financial terms and there meanings. Even though most of these concepts seem simple, I feel that it is important to get this information out there for people who were in my position! I will be posting Financial Literacy content weekly (along with sources that I use to access this information), I hope it serves you well! (Let me know in the comments what concepts you want me to touch on!)

Assets and Liabilities are very important concepts of financial literacy. Knowing the difference between the two can be the difference in living check to check or living with financial freedom!

Assets: generate cash inflow over the years (anything that puts money into your pockets are deemed assets)

Examples of Assets:

Real Estate



Intellectual Property

Liabilities: generate cash outflow over the years (anything that takes money out of your pockets with no chance of a return are deemed liabilities)

Examples of Liabilities:




Unused Subscriptions


Credit Card Debt

We should all focus on building wealth through our assets! In order to do that we have to minimize our liabilities!


For more information on assets and liabilities, I would suggest reading Rich Dad, Poor Dad by Robert Kiyosaki; this book goes into great detail on how to use these two concepts to your advantage! (Sidenote: reading makes you better!!)


Shoe Dog (Phil Knight) – Book Summary, Notes & Highlights

Read more on Amazon

Phil Knight gives readers an inside look into his journey with Nike! He gets vulnerable in his story telling ability and displays what it takes to go from nothing to something! I recommend this book for anyone who feels as if their dream is too big; this book will give you a renewed motivation to shoot for the stars. You will never know how something will turn out if you don’t pursue it.


Theme:Keep RunningAt various times, Knight would go for a run. He would run when things were good and bad. This simple act taught me that no matter what is going on good or bad….keep running. Progression is key to life. Knight took readers through his personal development from timid to assertive. He looked at every win and loss as a lesson learned.


So that morning in 1962 I told myself: Let everyone else call your idea crazy…just keep going. Don’t stop. Don’t even think about stopping until you get there, and don’t give much thought to where “there” is. Whatever comes, just don’t stop.

Don’t tell people how to do things, tell them what to do and let them surprise you with their results.

The man who moves a mountain begins by carrying away small stones.

The junk merchant doesn’t sell his product to the consumer, he sells the consumer to his product.

You cannot travel the path until you have become the path yourself.

You are capable. You are confident. You can do this.

Driving back to Portland I’d puzzle over my sudden success at selling. I’d been unable to sell encyclopedias, and I’d despised it to boot. I’d been slightly better at selling mutual funds, but I’d felt dead inside. So why was selling shoes so different? Because, I realized, it wasn’t selling. I believed in running. I believed that if people got out and ran a few miles every day, the world would be a better place, and I believed these shoes were better to run in. People, sensing my belief, wanted some of that belief for themselves. Belief is irresistible.

To study the self is to forget the self.

People reflexively assume that competition is always a good thing, that it always brings out the best in people, but that’s only true of people who can forget the competition. The are of competing, I’d learned from track, was the art of forgetting, and I now reminded myself of that fact. You must forget your limits. You must forget your doubts, your pain, your past. You must forget that internal voice screaming, begging, “Not one more step!” And when it’s not possible to forget it, you must negotiate with it.

Life is growth. Business is growth. You grow or die.

Change never comes as fast as we want it.

Sometimes you have to give up. Sometimes knowing when to give up, when to try something else, is genius. Giving up doesn’t mean stopping. Don’t stop.

Have faith in yourself, but also have faith in faith. Not faith as others define it. Faith as you define it. Faith as faith defines itself in your heart.



Hey everyone! I hope this post is finding you happy and healthy. I wanted to share with you guys the apps that help me maximize my productivity. Being more productive has been a journey for me over the past 3 years, but I’m so grateful that these apps make it easier for me to do so! Let’s get productive!



Google Calendar is essential to my college career. I use Google Calendar to organize my assignments and input my exam dates. Google Calendar is my go-to! I think everyone should use this as an asset for organizing their day, week and month!

Here is a look into how I use Google Calendar throughout the semester to organize my academic life!



I use Evernote to organize my ideas for this blog and my other projects! Its easy to use and helps me process my thoughts.


I use Google Docs to organize my notes for my college courses. Over the past 4 years, I have adapted to different learning styles and have transitioned from writing down notes to typing notes. Typing notes is more efficient and easier for me to grasp concepts.



I started using Productive to track my reading habits and I haven’t turned back. I believe that the creation of good habits are the key to success. If you don’t have efficient systems (habits) in place, there is no way you can be successful consistently.

What are some useful apps that use to keep you productive?

*REMEMBER: SHARING IS CARING! Let’s help each other grow!


15 Quotes That Inspire Me

These quotes have changed my perspective about my life. It so amazing that a simple quote can change the way you think about the situations you face! I hope that these quotes serve you well and that you are able to change your perspective through them! Also, I want anyone reading this post to comment their favorite quote(s) of all time! SHARING IS CARING!

  1. “Every accomplishment starts with the decision to try.” John F. Kennedy
  2. “The man who moves a mountain begins by carrying away small stones.” Phil Knight
  3. “Change alone doesn’t bring growth, but you cannot have growth without change.” John C. Maxwell
  4. “FAITH and FEAR make poor bedfellows. Where one is found, the other cannot exist.” Napoleon Hill
  5. “People do not decide their futures, they decide their habits and their habits decide their futures.” F.M. Alexander
  6. “Even if your ambitions are huge, start slow, start small, build gradually, build smart.” Gary Vaynerchuk
  7. “I’ve missed more than 9,000 shots in my career. I’ve lost almost 300 games. 26 times I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life and that is why I succeed.” Michael Jordan
  8. “It’s hard to beat a person who never gives up.” – Babe Ruth
  9. “If you don’t like something, change it. If you can’t change it, change your attitude.” Maya Angelou
  10. “Start where you are, with what you have. Make something of it and never be satisfied.” George Washington Carver
  11. “A life is not important except in the impact it has on other lives.” Jackie Robinson
  12. “If you have no confidence in self, you are twice defeated in the race of life.” Marcus Garvey
  13. “Love recognizes no barriers.” Maya Angelou
  14. “How you do one thing is how you do everything.” Unknown
  15. “Look at every win and loss as a lesson learned.” Hairston Hustle



How Successful People Think(John C. Maxwell) – Book Summary, Notes & Highlights

Read more on Amazon

This book is 127 pages filled with valuable information on how to transform your thinking to become successful. John C. Maxwell focuses on thought-processes that will lead you to see physical results. I’ve read this book twice and each time I learn something new! 


Thinking Questions:

  • Am I thinking beyond myself and my world so that I process ideas with a holistic perspective?
  • Am I dedicated to removing distractions and mental clutter so that I can concentrate on the real issue?
  • Am I working to break out of my “box” of limitations so that I explore ideas and options to experience creative breakthroughs?
  • Am I building a solid mental foundation on facts so that I can think with certainty?
  • Am I implementing strategic plans that give me direction for today and increase my potential for tomorrow? 
  • Am I unleashing the enthusiasm of possibility thinking to find solutions for even seemingly impossible situations? 
  • Am I regularly revisiting the past to gain a true perspective and think with understanding? 
  • Am I consciously rejecting the limitations of common thinking in order to accomplish uncommon results?
  • Am I consistently including the heads of others to think “over my head” and achieve compounding results?
  • Am I continually considering others and their journey in order to think with maximum collaboration?
  • Am I staying focused on the bottom line so that I can gain the maximum return and reap the full potential of my thinking?

The Right Thought plus the Right People in the Right Environment at the Right Time for the Right Reason = the Right Result


All ideas are valid

It’s okay to go down a different path

Different ideas come together to form better solutions

Every loss is a lesson


Learn Continually, Listen Intentionally, Look Expansively, and Live Completely

Leaders must be able to: 

See the vision before their people do

Size up situations, taking into account many variables

Sketch a picture of where the team is going

Show how the future connects with the past to make the journey more meaningful

Seize the moment when the timing is right

As Alvin Toffler says, “You’ve got to think about ‘big things’ while you’re doing small things, so that all the small things go in the right direction.”

Varied experiences – both positive and negative – help you see the big picture. The greater the variety of experience and success, the more potential to learn you have. 

To take ideas to the next level, you must shift from being expansive in your thinking to being selective.

The immature mind hops from one thing to another; the mature mind seeks to follow through. 

Being willing to give up some of the things you love in order to focus on what has the greatest impact isn’t an easy lesson to learn. But the earlier you embrace it, the sooner you can dedicate yourself to excellence in what matters most.

More than what you get done, more than the role you play, more than your title, more than your ‘output’ – it’s your ideas that matter. 

Creativity is being able to see what everybody else has seen and think what nobody else has thought so that you can do what nobody else has done.

The joy of not knowing it all refers to the realization that we seldom if ever have all the answers; we always have the ability to generate more solutions to just about any problem. 

Most limitations we face are not imposed on us by others; we place them on ourselves. 

If you want to break out of your own box, get into somebody else’s.

Reality is the difference between what we wish for and what is.

Change alone doesn’t bring growth but you cannot have growth without change. 

Disappointment is the difference between expectations and reality. Realistic thinking minimizes the difference between the two.

You can’t build a house in midair; it needs a solid foundation. Ideas and plans are the same. They need something concrete on which to build. 

Any time you shoot from the hip or go into a totally reactive mode, you increase your margin for error. It’s like a golfer stepping up to a golf ball and hitting it before lining up the shot. Misaligning a shot by just a few degrees can send the ball a hundred yards off target. Strategic thinking, however, greatly reduces that margin for error. It lines up your actions with your objectives, just as lining up a shot in golf helps you put the ball closer to the pin. The better aligned you are with your target, the better the odds that you will be going in the right direction. 

Little things can be won easily through systems and personal discipline.

People who think big attract big people to them. 

If you embrace possibility thinking, your dreams will go from molehill to mountain size, and because you believe in possibilities, you put yourself in position to achieve them. 

An experience becomes valuable when it informs or equips us to meet new experiences. 

Good thinking is hard work. If it were easy, everybody would be a good thinker. Unfortunately, many people try to live life the easy way. They don’t want to do the hard work of thinking or pay the price of success. It’s easier to do what other people do and hope they thought it out.

If you are successful, it becomes possible for you to leave an inheritance for others. But if you desire to do more, to create a legacy, then you need to leave that in others.



I’ve recently begun listening to podcasts again! An easy way to retain information and learn new information is to listen to podcasts! There is so much value in podcasts (plus they are free to listen).  I have chosen 4 podcasts that I’m going to listen to for the month of July. I want to share my list with you along with my favorite episodes so far! At the end of July, I will post a complete list of my favorite episodes from each podcast along with notes that I have taken while listening! I hope that I can encourage you to start listening to podcasts more or even start your own podcasts! 

Podcasts for July:

Million Dollar Life Lessons – Prince Donnell and Dana Chanel

EP 64: We Have A Problem


Pure Hustle Podcast 

Ep 163: Overcoming Obstacles: Rich Dad Poor Dad Part 3


Earn Your Leisure – Rashad Bilal and Troy Millings

EP 86: Watch The Throne feat Derrick Grace Two


Hustle Sold Separately – Matt Gottesman 

EP 295: How to Build Successful Relationships for the Long Game w/ Armen Keleshian




Ebay Selling Guide: Posting and Selling the Item

Example: Apple iPad 6th Gen.


This step is self-explanatory. Include as much information as you can with the 80 characters provided in the “Title” section. Make sure your item matches the title.


This is one of the most important sections! Include everything you know about your item. The more information….. the better. Buyers are more likely to buy an item if they have all of the information. You can look up other listings for your item and get information from others as well.


Take pictures of the item from every angle. Take close-ups of any defects on the item. To make the item look clear on pictures, use a white background (I used a thick white poster board as my background when I first started selling on eBay). You can use a white sheet as well. The background gives off a professional look. You can upload up to 10 pictures in this section; take 15-20 and choose your best 10 that displays the item clearly.


The “Description” section is filled in automatically, but you can add anything you think the buyer needs to know about the product.


I don’t personally use the auction feature, but I know that it is useful for fundraisers. I use the buy it now feature because it is faster and automatic. Once someone purchases your item, the money goes straight to your PayPal. I allow offers for items $100 and up.


When you first start selling items on eBay, I would recommend you to let the buyer pay for shipping until you get into a rhythm selling. If you are desperate to sell an item, I would offer free shipping which means that you would pay for shipping.

Click List It and you are on your way.

*After you click list it, a screen will pop up and will ask if you want to promote your item (helps the item sell faster and puts it in front of more people)*

What do I do when my item is bought?

eBay will notify you once the item is purchased, the money will go straight to your PayPal. The next step is printing the shipping label, once that is printed you will need to ship the item between 1-3 business days. You can find cheap boxes at Walmart or you sometimes can find them outside of businesses for free. Be sure to make sure your item is secure in the box. Once you have your item in the box, you can drop it off at your local post office.

My eBay page: https://www.ebay.com/usr/brittanhairsto-9

HairstonHustle.blog is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

2019 Book List:

The $100 Start Up: https://amzn.to/3aTsyn6

Rich Dad Poor Dad: https://amzn.to/2VRrnjP

How Successful People Think: https://amzn.to/35lfl5p

Shoe Dog: https://amzn.to/2VVj07b


Financial Literacy 101

Updated Daily

The more liquid your assets, the more financial flexibility you have.
FICO scores range from 300 to 850, and the higher the score, the better the terms you may receive on your next loan or credit card. People with scores below 650 may have a harder time securing credit at a favorable interest rate.

HairstonHustle.blog is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Finance Books That You Should Read:

Rich Dad, Poor Dad: https://amzn.to/2WziGv3

The Intelligent Investor: https://amzn.to/2zHbXWJ


Ebay Selling Guide: Selecting a Niche

Part 1: Selecting a niche

What is a niche?

A niche is a focused, targetable portion of a broader market in which specialized products or services can be sold. In the case with eBay, a niche is any product that can be sold for a profit. 

Do I have to spend money to get started?

You don’t have to even spend money on a product when you first get started selling on eBay. My first sale was a set of Wimpy Kid books that were in my closet for years. You can sell anything on eBay!

Places to find items to sell:

  • Around the house
  • Yard sales
  • Flea market
  • Thrift stores (I personally use Goodwill) 
  • Wholesalers

Examples of different niches that I have entered including the items:

Business Books
College Textbooks
Fiction books
Fiction books
Fiction books

Part 2 of “A Guide to eBay Selling”: How to set a price on items …. coming soon

My eBay page: https://www.ebay.com/usr/brittanhairsto-9

HairstonHustle.blog is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

2019 Book List:

The $100 Start Up: https://amzn.to/3aTsyn6

Rich Dad Poor Dad: https://amzn.to/2VRrnjP

How Successful People Think: https://amzn.to/35lfl5p

Shoe Dog: https://amzn.to/2VVj07b

The Prosperity Formula – How To Start A Profitable Online Business


How to Outwit the Six Ghosts of Fear: The Fear of DEATH

This fear is useless. Death will come, no matter what anyone may think about it. Accept it as a necessity, and pass the thought out of your mind. It must be a, necessity, or it would not come to all. Perhaps it is not as bad as it has been pictured.

Life is energy, if it is anything. If neither energy nor matter can be destroyed, of course life cannot be destroyed. Life, like other forms of energy, may be passed through various processes of transition, or change, but it cannot be destroyed. Death is mere transition.


The habit of THINKING about dying instead of making the most of LIFE, due, generally, to lack of purpose, or lack of a suitable occupation.

HairstonHustle.blog is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Purchase your copy of Think and Grow Rich here: https://amzn.to/2VBr77B


How to Outwit the Six Ghosts of Fear: The Fear of OLD AGE

This fear grows out of two sources. First, the thought that old age may bring with it POVERTY. Secondly, and by far the most common source of origin, from false and cruel teachings of the past which have been too well mixed with “fire and brimstone”.

The possibility of ill health, which is more common as people grow older, is also a contributing cause of this common fear of old age.

Another contributing cause of the fear of old age, is the possibility of loss of freedom and independence, as old age bring with it the loss of both physical and economic freedom.


  • The tendency to slow down and develop an inferiority complex at the age of mental maturity.
  • The habit of speaking apologetically of one’s self as “being old” merely because one has reached the age of forty, or fifty, instead of reversing the rule and expressing gratitude for having reached the age of wisdom and understanding.
  • The habit of killing off initiative, imagination, and self-reliance by falsely believing one’s self too old to exercise these qualities.
  • The habit of the man or woman of forty dressing with the aim of trying to appear much younger, and affecting mannerisms of youth; thereby inspiring ridicule by both friends and strangers.

HairstonHustle.blog is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Purchase your copy of Think and Grow Rich here: https://amzn.to/2VBr77B

4 A.I. Tools for Career Growth

A.I. tools are becoming extremely popular being that they make life easier. They can also make growing in your career easier as well. It would be wise to become familiar with the A.I. tools used by companies, so that you can take that next step in advancing your career.

Here are 4 A.I. tools you can use today for career growth:

1. Careerdekho Ai

Category: Career Path suggestions

Careerdekho AI is the first A.I. powered career discovery tool and detailed path finder.

2. Kickresume: A.I. Resume Writer

You can Kickresume’s AI-powered resume builder to automatically generate your entire resume. The AI Resume Writer can write professional sections for your resume summary, work experience, and education, with a consistent tone throughout the document.

They have 3 different plan options (Free, Monthly, Yearly):

The Free Plan includes:

4 basic resume templates, 4 matching cover letter templates, 1 basic website template, 20,000 pre-written phrases, 1,500+ resume examples and unlimited downloads

The Monthly Plan ($19/month):

35+ professional resume templates, 35+ matching cover letter templates, 7 personal website templates, Full customization options, AI resume checker, Priority email & chat support, Kickresume for Mobile and AI Writer

The Yearly Plan ($5/month):

35+ professional resume templates, 35+ matching cover letter templates, 7 personal website templates, Full customization options, AI resume checker, Priority email & chat support, Kickresume for Mobile and AI Writer

There is no excuse to not have an ironclad resume with tools like Kickresume available to you!

3. Langotalk

Langotalk helps you learn languages 6x faster with A.I. This program is recommended by top language schools and supports 8 different languages.

Features include:

Immerse: Have fun conversations by chatting about the things you care about

Learn: Get tips by the AI that would help you improve your grammar

Memorize: Save words and concepts to get back to later

Practice: Test your knowledge and track your progress

*You CAN use Langotalk for free, but you’ll be allowed to send only a limited number of messages everyday.*

4. Adaptiv

End to end career intelligence from career mentoring to upskilling for future work. Adaptiv is the best tool to use for career growth!

How Adaptiv works?

Discover skills/requirements, get personalised mentoring and learn through bite-sized lessons to achieve your career goals.

Sign up for free

Consult with Ada (A.I. powered career mentor) about your goals

Ada assigns a personal career mentor

Follow your dream goal

4 A.I. Tools For Productivity

Staying on the theme of productivity, why not use A.I. to become more productive? I came across 5 great tools to make your productivity journey easy. If you are struggling on where/how to start becoming more productive, give these tools a try!

*I plan on deep diving into each of these tools in future articles, so that if it is the right tool for you I can provide you with a how to guide on how to effectively use it!*

1. Futurenda: A.I. Daily Planner

Futurenda is an automatic calendar planner that enables you to manage tasks without spending time. It was designed to manage flexible hours and deadlines. Key features include: life organizer, time tracking, deadline manager, Google calendar sync and instant sync.

All you have to do is input your tasks with deadlines and Futurenda’s advanced A.I. system will arrange them into calendar format for you.

Futurenda is free with the option to upgrade to Premium or Unlimited accounts to access more powerful features.

Available on Android, Apple, Web (Beta)

2. Trevor AI

Trevor AI is the smartest time blocking and daily planning app.

Features included in the FREE Plan:

Sync with Google Calendar and Outlook/Office365 account

Deep Work Mode: Open a scheduled task and focus on deep work with just a timer and a note

Unlimited Task Scheduling: Drag & drop tasks in your calendar and move them around freely

Lightweight Task Manager: Organize tasks in color-coded lists, search, filter and write notes. Integrate with tools like Todoist

3. Socra: Goal tracking A.I.

Socra helps you plan, track, and navigate your goals from start to finish with AI and a supportive community.

With your Personal AI Coach you will:

Organize, Plan, and Crush Your Goals

Smart Progress Tracking (coming soon)

Be apart of a community (coming soon)

This is the ultimate goal driven platform!!

Plan options: Free, Premium ($10), and Pro ($20)

4. GymGenie

GymGenie generates personalized workout routines based on user’s fitness data and gym goals, simplifying the process of starting a fitness journey.

They have now included GymGenie MealPlan and MacroTracker

Plans included: Standard ($0/month), Premium ($2.99/month)