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Finance, Lifestyle

In Atlanta? Here Are 30+ Black Owned Restaurants To Give a Try

Are you in town and looking for the next bite? Look no further! These amazing Black Owned Restaurants have all the colorful and well seasoned dishes that every heart and soul desires. And guess what? Most of them deliver!!!

Soooo, below is a list of 30+ restaurants for you to try and don’t worry, I did all the work. All you gotta do is click on the links and you will be directed to their websites.

Well it’s been a year since I’ve moved to Atlanta, I haven’t been to all the restaurants listed below but I am working on it lol.  I just can’t wait to try them all.

Anyways, because of the Coronavirus, some restaurants decided to keep their dining area closed for the safety of their staff and customers even though the State of Georgia is currently open for the most part. For that reason, please call them and ask about their regulations before you take the drive.

Personally, I have only been to a restaurant twice since the pandemic . I do  mostly  “curbside pickup” or “no contact delivery”.

Bottom line is, either you’re new to  Atlanta,have been here more than two decades ago, still in quarantine or couldn’t wait to get out; you gotta give them a try.

 

Atlanta Breakfast Club
ATL Fusion BBQ
Roc South Cuisine
Ole Restaurant Lounge
The Spice House
Helen's Hot Chicken
Kristi's Cobbler
Ms Icey's Kitchen & Bar
My Coffee Shop
Portrait Coffee
Busy Bee Cafe
Geaux Gumbo
Triple Jay's Pizza
Harold's Chicken
Debbie's Delight
Grip's Good Eats & Sweets
Fin & Feathers
Plant Based Pizzeria
The Food Shoppe
Sublime Doughnuts 


Twisted Soul Cookhouse
Nana's Chicken & Waffles
Entree's Hot Chicken
Blendz Cafe
Cafe Bourdon St.
Tassili's Raw Reality Cafe
Slutty Vegan
Slim & Husky's
Paschal's
Sweet Auburn Seafood
The Original Hotdog Factory
Mr. Everything
My Potato Factory
K&K Soul Food
TasteBuddz ATL
Fireside Restaurant


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How I Saved Over 7K With This One App

Who doesn’t like saving?

Shortly after I pass my nursing exam, with almost no money, no family, but a job; I had got a one way ticket from Miami to Philadelphia.

I started working within a week, since I had a temporary placement for the first two months, I had enough time to look for a much  permanent apartment. And, you all know an apartment comes with down payment, first and last month of rent, furniture, electricity set up etc…Thank God, I had my little side hustle to cover a few bills but it wasn’t much.

Now that my saving almost gone, I had to find a way to save faster and smarter.  One day, I remember seeing a post on Facebook about Digit, just what I needed and I gave it a try. I set up my Digit account, connect it to my bank, created different money goals for different categories and the money  was taken from my bank account every per pay period or after every purchase.

Yesss, I have a saving account with my bank, but the fact that it’s readily available, it was easy for me to make a few transfers and I wasn’t really saving much doing that. Therefore, having an online saving without a physical card or easy transfer was very beneficial.

WHAT IS DIGIT AND HOW DOES IT WORK?

Digit is a saving tool that does the thinking and acting of saving money for you without noticing. You simply connect your Digit to your bank account; then the app takes a look at your current funds and puts aside some money in an FDIC-insured Digit account.

When you sign up for Digit, you can create monthly and yearly goals. For instance: Birthdays, Emergency Saving, Rainy Days, Business Expenses and Self Care.  Digit will determine if you can’t spare any money and won’t withdraw anything from your bank account. It will even send you a text message saying:” Due to low balance, it will not take any money”.  The app is free for only 100 days, then becomes $2.99 a month. In addition, It gives you the ability to earn one percent savings bonus that is paid every three months. Let’s say you have an emergency; Digit can automatically transfer back to your checking account whenever it gets below a certain amount or you can text “withdraw” and the amount you choose to withdraw will go back to your bank account.

The good thing is, if you feel like your monthly income for the month is less than usual or may have unexpected emergencies, you can pause and restart the saving app whenever necessary.  You also get money for referring your friends.

Last year, I literally saved all the money to launch my “Dedication Planner” which is a life planner to help healthcare professionals and female entrepreneurs prioritize life goals with proper planning. I also was unemployed for more than two months after leaving my job in Philly to move to Atlanta. With my regular saving account and the one on Digit, I was able to cover two months worth of rent, movers and getting a new place in a whole new state.

Are you considering getting DIGIT? I strongly recommend it because it fits every budget and will make saving so much easier.  I suggest you to give a try. Get access here: Digit

Are you in need of a planner with a saving tracker that helps you manage your different saving account? Stay in touch and get all the details about the upcoming 2021 Dedication Planner. here

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Investing in your Community. 30+ Black Owned Banks to Open an Account with.

Thinking about investing money in your own community? There are a few states that don’t have African American Bank owned; but there still more than 35 AA banks owned and credit union in the United. So let’s start circulating money and investing money in these Black owned bank as a way to strengthen our neighborhood. #supportblackbusinesses.

Here’s the list.

  1. Omega Psi Phi Credit Union – Lawrenceville, Georgia
  2. Phi Beta Sigma Federal Credit Union – Washington, DC
  3. One United Bank – Los Angeles, California
  4. FAMU Federal Credit Union – Tallahassee, Florida
  5. Credit Union of Atlanta – Atlanta, Georgia
  6. North Milwaukee State Bank – Milwaukee, Wisconsin
  7. Seaway Bank – Chicago, Illinois
  8. The Harbor Bank- Baltimore, Maryland
  9. Liberty Bank – New Orleans, Louisiana
  10. United Bank of Philidelphia – Philidelphia, Penn
  11. Alamerica Bank – Birmingham, Alabama
  12. Broadway Federal Bank – Los Angeles, California
  13. Carver State Bank – Savannah, Georgia
  14. Capital City Bank – Atlanta, Georgia
  15. Citizens Trust Bank – Atlanta, Georgia
  16. City National Bank – Newark, New Jersey
  17. Commonwealth National Bank – Mobile, Alabama
  18. Industrial Bank – Washington D.C.
  19. First Tuskegee Bank – Tuskegee, Alabama
  20. Citizen Trust Bank – Birmingham, Alabama
  21. Mechanics & Farmers Bank – Durham, North Carolina
  22. First Independence Bank – Detroit, Michigan
  23. First State Bank – Danville, Virginia
  24. Tri-State Bank – Memphis, Tennesse
  25. Citizens Bank – Nashville, Tennessee
  26. South Carolina Community Bank – Columbia, South Carolina
  27. Illinois Service Federal – Chicago, Illinois
  28. Unity National Bank – Houston, Texas
  29. Carver Federal Savings Bank – New York, New York
  30. OneUnited Bank – Miami, Florida
  31. OneUnited Bank – Boston, Massachusetts
  32. Columbia Savings and Loan – Milwaukee, Wisconsin
  33. Liberty Bank – Baton Rouge, Louisiana
  34. Liberty Bank – Kansas City, Missouri
  35. Liberty Bank – Chicago, Illinois
  36. Liberty Bank – Jackson, Mississippi
  37. Toledo Urban Credit Union – Toledo, Ohio
  38. Hill District Credit Union – Pittsburgh, Pennsylvania

Are you currently putting money in a black owned bank? Do you plan to? Share your thoughts and leave any testimonials you have below in the comments.

 

Finance, Lifestyle

Werk Pray Slay Weekend Recap: Mental Burden of Student Loans

Week Pray Slay Weekend Recap: Mental Burden of Student Loans

I have recently moved from Philadelphia to Atlanta a month ago and Werk Pray Slay was by far my best conference in years because it gave me perspectives from different sides of life and business ; either financial, mental, spiritual and emotional. Can you imagine a group of women, from different backgrounds and businesses in the same room? I have been in conference where the people are within the same company (nothing wrong with that), but sitting next to someone that can either built your website, teach you how to create your business’ elevator speech, find you a rental property, create a business plan etc…is theeee best atmosphere.

One of the things that grabbed my attention was the Student Loan Doctor, Sonia Lewis. Sonia started the business to really help her figuring out a plan for her own student loans, then  started to help a few people figure out a plan for themselves but really didn’t think this would turn into a major business. Her business is now growing and have received  recognitions from the city of Philadelphia. (Sonia in the middle)

 

When I first read an article about Sonia, I didn’t really spend time reading because I don’t have student loans, but came to this event to find out that she is not only helping  those with students to create a plan for themselves, but for their kids as well.
Our community is sinking in student loans debt. According to  New York Times, the average Black family in America has one-tenth the wealth of the average White Americans. The black household was about 50,000 compared to 59,000 Hispanic and 68,000 for white; therefore, people can rely on these loans to get by. In addition, African women have the most degrees in the United States; however, we have the most student loans debt. An AA woman who is debt free by the age of 39-41, will likely go into debt once again with a parent plus loans  because she spent most of her time paying  her student loans and not saving for a her kids college funds. Parent loans have higher interest and this constant financial burden will drive you insane. Now, she spent all her lifetime paying for student loans, became sick, passed away without leaving any wealth to pass on to her children.


How can we change the conversation?  If a child gets a scholarship or if a woman/man earns at a certain point, she may be excluded from the latter part. Moreover it is important as parents or guardians to not push our kids right after high school just because they are grown and you want them to experience life just like you did. You are not helping the situation because not only you spent your life fighting these financial and mental demons but you are creating the same path for your kids as well.


One thing that I am forever grateful for is the fact that my parents helped me through college, I was welcomed to stay until I finish school. When I started school in this country, I was an international student; therefore, I have to pay out of pocket and out of states fees. I wasn’t qualify for financial aid but I’m grateful to have a bachelor’s degree without owning a PENNY.   I knew the best way to get by was scholarship. I kept applying every time I get a chance and it could be between $500 to 1500 per semester.  Also, by attending a community college in the first two years, I was able to secure almost a full scholarship just because it was for students who attended a community college in the state of Florida.

None of these made since back then, I just didn’t want mom to get a loans to give me that extra boost. Seeing now how the student loans crisis is outrageous, I am thankful that I did it that way. Moral of the story; there are tons of scholarship for various reasons and all you have to do is applying.

Stop creating the same environment you had as a child for your kids. Talk to them about career choice, what they enjoy to do, financial decisions for school. Instead of sending them away just because you think they are grown and should get a loan  to get by, sit with them and start looking for scholarship, explain them the benefits of attending a community college instead of a private school. They can always transfer after the first two years. Nevertheless, if they find a full ride for a 4 year university that will be amazing. Many people are going through these burdens, financial uncertainty because they didn’t have someone to mentor them about the aftermath of a $100,000 loan. Sadly, may are still confused  about career choice and worried  about loans repayment.
The Student Loans Doctor is changing that narrative by providing more knowledge, education to the community so they can make better choices when it comes to repayment, make better choices when it comes to investing, creating wealth, or even creating a new way to pay off the debt sooner. Let’s work to secure a better future and bag for your offspring.

📸 Shotsbypriiincesss

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