OLIVE DRESS FOR ST. PATRICK’S DAY!!! + DON’T USE LUCK TO HANDLE YOUR FINANCES

Olive Dress St. Patrick's Day

Whenever I think about St. Patrick’s Day, my mind wanders to corned beef and cabbage, leprechauns, and everything in a shamrock green color. However, I realized this year that I really don’t have much in green except for Olive green. I definitely wasn’t in the mood to be pinched, so I put together this casual Friday, St. Patrick’s Day appropriate look. I paired two shades of olive green with some wedges for spring and some gold accessories for that pot of gold you would hope to find at the end of the rainbow.

I felt super chic when I put this outfit all together and can you believe absolutely none of these items are considered “high-end”?!? My dress is old from Charlotte Russe and the jacket is from Forever 21. The earrings came in a set from Francesca’s and the necklace I got on clearance at Express. The Tommy Hilfiger purse I picked up at Ross for less than $20, the wedges are from DSW and I paid less than $30. The sunglasses are the only item I paid full price for and this brand by A.J. Morgan at Nordstrom goes for about $24 a pair.

Olive Dress St. Patrick's Day Olive Dress St. Patrick's Day Olive Dress St. Patrick's Day Olive Dress St. Patrick's Day Olive Dress St. Patrick's Day Olive Dress St. Patrick's Day Olive Dress St. Patrick's Day Olive Dress St. Patrick's Day Olive Dress St. Patrick's Day

Jacket / Similar Dress / Wedges

Similar Purse / Necklace / Similar Earrings / Sunglasses

Jord Watch – Reece Golden Camphor & Khaki

Make sure to sign up for the JORD GIVEAWAY HERE before it ends on the 26th!!

HAPPY ST. PATRICK’S DAY – DON’T USE LUCK TO HANDLE YOUR FINANCES

Are you dreaming about your pot of gold at the end of the rainbow? I know that money doesn’t buy happiness, but it does give you a nice security blanket. It would be really nice to not always be stressing over money right? Buy that house you have wanted, send your kids to college, and save for a comfortable retirement. You can’t rely on luck to accomplish these things though. You need to create a plan instead.

Set Goals

You can’t wander around in the dark aimlessly and hope to get somewhere. The first step is create goals for your finances that you can work towards. This will help you realistically plan for where you want to see your savings and investments in 5 years. Then you will also have something to measure against and keep track of how you are doing.

Track Your Spending & Develop a Budget

If you know where your money is going then it is easier to create a budget to help you spend that money. Keep your receipts and divy them up by category at the end of the month. This is a great way to track your actual spending habits. From these spending habits you can create your monthly budget and move on to step 3!

Look Where You Can Save

Once you know where you are spending, then you can look for ways to cut back and save. Do you really need Starbucks every morning? Perhaps you can give yourself a set grocery budget to stick to. Little items can really add up, so try cutting out a few small things first.

Get Financial Advice

This may a hard one for you. Perhaps you don’t want to bring another person in on your finances, but it can really help have someone else take a look at your financial picture. You don’t need to go out and pay a ton of money for a financial planner, but look for people that may give you a free consultation, or a family member that is willing to help.

Doing all of these things may not help you find the leprechaun’s pot of gold, but it sure can help you create your own.

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Olive Dress St. Patrick's Day

 

RUNWAY TO HAITI + BOHO VIBES

Runway to Haiti Fashion Show

Last week I went to a wonderful pre-event hosted by Rebuild Globally & Macbeth Studio which was to bring awareness about a wonderful cause started right in our own Orlando backyard. Macbeth Studio collaborated with Local Love to create a beautiful backdrop to use during the event for a promotional shoot. I wanted to talk about Rebuild Globally & their brand Deux Mains Designs, so that more people could understand their mission and how many people they have helped and can help in the future if the word is spread further. They also host an annual fashion show at the Country Club of Orlando called Runway to Haiti for all you fashion lovers.

Orlando Loves Runway to Haiti Orlando Loves Macbeth Studio Runway to Haiti

Rebuild Globally was born from the disaster of the 2010 earthquake that brought devastation to Haiti. One woman, Julie Colombino had an amazing idea to replace the conventional methods of charitable aid with a thriving social entrepreneurial ecosystem. They have been vastly improving the lives the refugees living in impoverished Haiti for six years now through training and education which give them guaranteed employment. They have realized the most impactful way to relieve poverty is to combine the efforts of their non-profit with the for-profit sector. Out of this wonderful cause they were able to build their own brand for the products they were creating called Deux Mains Designs.

“Nineteen degrees north of the equator you’ll find a small workshop where artisan–owners source local leathers and re-purpose tires to craft beautiful handmade sandals. Inspired by its French translation, craftsmen use their own two hands to sculpt sidewalls into soles with a pride that comes from not only making something valuable for others, but also making a meaningful life for themselves.” – Deux Mains

Deux Mains Designs Runway to Haiti Deux Mains Designs Runway to Haiti Deux Mains Designs Runway to Haiti

When I think of these creative and inspiring artisans I think about the bohemian community. Bohemianism is the practice of an unconventional lifestyle, often in the company of like-minded people, involving musical, artistic, literary or spiritual pursuits. Here is a bohemian styled outfit that I wore last weekend when I visited my best friend in Ocala. My mother got me this dress on sale at Belk for $12 around Thanksgiving. (WHAT A DEAL!) I love it because it looks almost like a pineapple print on it.

Bell Sleeve Dress Runway to Haiti Bell Sleeve Dress Runway to Haiti Bell Sleeve Dress Runway to Haiti Bell Sleeve Dress Runway to Haiti Bell Sleeve Dress Runway to Haiti Bell Sleeve Dress Runway to Haiti Bell Sleeve Dress Runway to Haiti Hot Pink Purse Runway to Haiti Bell Sleeve Dress Runway to Haiti Boho Vibes Bow Choker Runway to Haiti Hot Pink Purse Runway to Haiti Pink Gold Coach Watch Runway to Haiti Boho Vibes Runway to Haiti Henry David Thoreau Runway to Haiti

*Photography by Rae Breda a Bohemian Artist, pursuing her dreams, and inspiring others.

Similar Dress / Heels / Similar Watch

Similar Watch / Bracelet / Choker / Earrings

RUNWAY TO HAITI: THE NIGHT FASHION MEETS IMPACT

This will be a night of beauty and impact at REBUILD globally’s annual fundraising event – Runway to Haiti: The Night Fashion Meets Impact. This show will be featuring local celebrities and help to inspire the next season’s trends. There will be live music and a silent auction. This for people to come together to raise funds for life changing education and job training programs in Haiti.

Here is a video from last year’s event!

If this is a cause that is near and dear to your heart, or you have never heard of Rebuild Globally & Deux Mains Designs before, but would like to be a part of such an impactful evening…then purchase a ticket below!

GET YOUR TICKETS HERE

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BLUSHING OVER JORD WATCHES & DON’T FORGET, TIME IS MONEY

Jord Watch Reece Khaki Blush Leather

Ok, so I have some super exciting news y’all!! Jord, an incredibly unique watch maker, and I have partnered to showcase an exciting piece of jewelry on my blog. Spring is quickly approaching and this wooden and blush watch I was gifted by Jord is such a perfect addition to any spring wardrobe. I just can’t get over the craftsmanship of their watches, how unique each one is, and how lightweight it feels on your wrist.

Jord Watch Reece Khaki

I am really obsessed with the packaging that each watch comes in. I love to store my watches in their boxes on my dresser, so when packaging is as beautiful as this is, then that’s a win-win to me! I also love how they will personalize your watch with an engraving if you choose and how the watch is customized to fit your wrist! I hate having to deal with going and getting a watch resized after I buy it.

Jord Watch Reece Khaki Jord Watch Reece Khaki

The watch is made in the USA and out of two different toned woods. Inside of the box it comes with an oil pen to keep your watch in great condition and a humidity pack which lasts 4-6 months.

Jord Watch Reece Khaki Blush Leather

This cool watch I received from Jord paired beautifully with my blush leather jacket and I let the wood make a bold statement by pairing simple neutrals of white and black with it.

Jord Watch Reece Khaki Blush Leather Jord Watch Reece Khaki Blush Leather Jord Watch Reece Khaki Blush Leather Jord Watch Reece Khaki Blush Leather Jord Watch Reece Khaki Blush Leather Jord Watch Reece Khaki Blush Leather Jord Watch Rose Gold Jord Watch Reece Khaki Blush Leather Jord Watch Reece Khaki Blush Leather

*Fashion Photography by Rae Breda.

Blush Leather Jacket (Similar & Similar)

Top / BraletteJeans / Heels / Purse / Kendra Ring

Earrings / Kendra NecklaceLong Necklace

Reece Jord Watch

Jord Watch Reece Khaki

       Watch Specs:

 

Jord Watch Coa Rose Gold

I absolutely love this women’s watch.

Jord Watch

This is my favorite men’s watch.

FINANCIAL TIP

“Time is Money.” – Benjamin Franklin

Most of us have heard this statement time and time again. It is so popular now you could call it a cliché. This is an ironic relationship between two needed and precious resources in our community. We are always trying to find just the right balance between the two.

Time is most definitely financially related when it comes to paying off your debts. Whether its a loan, mortgage, or credit card debt the longer it takes you to pay it off, the more money its going to cost you. This is due to any fees or interest associated with those debts. I personally cringe when it comes to credit card interest rates. The longer it takes to pay off that debt the more and more interest accrues.

Think about this…you have a $30,000 in debt with an interest rate of 10% (which is low). If you are paying the minimum which is about $400 a month, then it will take you 10 years to pay it off and it will cost you $17.574 in interest. However, if you were to pay an extra $200 a month on this debt, then you would have it paid off in half the time and you would save $8,531 in interest payments.

Beware though, before choosing to pay off a debt early, it is important to be aware of any pre-payment penalties that could be assessed by the lender. Make sure you are aware of both the term of the loan and the interest rate when you borrow money because those items are what work against you when you borrow.

Now, even though time isn’t your friend with a loan. Time works in your favor when you are investing.

Consider the following example.  If you want to have $1,000,000 when you retire in 35 years, you can get there by investing $1,000 a month for 35 years and earning an average 5% rate of return on those investments.  However, if you waited longer before you started saving for your retirement and only 25 years between the time you started saving and the time you plan on retiring, then you would need to invest $1,900 a month to reach that same $1,000,000 goal! Just like when you refinance your debt, modifying the interest rate, or rate of return on your investments, can play a large part on how much money will need to save every month.  If you again only gave yourself 25 years to save for retirement and still want to amass $1,000,000 on less savings per month, then you would need to take more risk to achieve the same rate of return, or you would have to settle with retiring on less.

Now you can truly see that when it comes to paying off any debts, or investing, that time really is money.  If you have more time to invest the better off you are and staying debt free is better for everyone.  I recommend to just on a regular basis check your debt situation and your investments for retirement to make sure you are regularly reviewing your debt situation as well as your retirement funding strategy to make sure you are utilizing both to the best of your ability.

JORD WATCH GIVEAWAY

In order to help you manage your time and save on money enter this awesome giveaway!! The winner will receive a $100 e-gift code to use on the Jord Watch site. All other entrants will receive a $25 consolation e-gift code at the close of the contest.

Enter Here

Contest ends at 11:59 CST 03/26/17 and both gift codes expire 06/18/17

*Disclosure: This article was sponsored by Jord Watches, but all opinions expressed within are my own. I am all about a completely honest review!

Watches Made From Wood

Nikki Arnold

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