Tag: Lifestyle

How I Use Money and Keep a Budget in Ghana

Let’s talk about money. The thing everyone wants and the thing most are uncomfortable sharing details about. Financial literacy really makes a difference in your life, regardless of where you live. How you spend and budget is equally as important to how much you earn. So, in this video, I discuss how I made a point to understand the variety of payment methods and transactions in Ghana and monitor what things cost and how much I spend.

The payments methods I use in Ghana are cash, debit card, checks, and MTN mobile money. The most convenient method is mobile money because it can be used to pay monthly bills, purchase products and services, and be used as a method to receive payments. In the video, I explain how to set up mobile money on your phone.

Living expenses can vary depending on where you live and your lifestyle. Like I said in the video, my monthly bills slightly fluctuate. For estimating purposes, my electricity bill is 200 Ghc ($40), diesel bill is 200 Ghc ($40), water bill is 20 Ghc ($4), internet is 350 Ghc ($70), groceries is 100 – 200 Ghc twice a month ($40 – $80) and gas is 170 Ghc ($35). Finding where to shop for essentials makes a difference in how much you spend. Accra has a number of grocery stores, including Palace, Shoprite, Game, Melcolm, MaxMart, and Koala. I have shopped at all of them and found each of them have such helpful people working there. I primarily shop for legumes, frozen vegetables, rice, couscous, and spices at MaxMart, bread at Koala, and plantains, avocados, and peppers at an outside mini market.

When it comes to keeping a budget, the first thing you need to do is monitor your spending, like what I mentioned above. I used a note on my phone. There are also a variety of apps you can use to monitor your spending. The information you need to focus on is the dates you spend and categorizing your expenses. Search the app store for “budget” or “personal spending” for options that fit your preference.

I monitored my spending for about 6 months because I was also learning the currency and what things cost. You can monitor your spending for at least a month. The categories are important because it helps analyze your data. For example, you may not have any control over your essential expenses, like rent and amenities, but you could find alternatives for lifestyle expenses, like take-out food. Once you have this data, you can compare it to the amount of money you earn. The goal is to balance spending less than you earn. You can do this intentionally without depriving your lifestyle by planning your future spending. Each month you stick to alternatives for your lifestyle expenses to maintain that balance. I find this helps shift your mindset around your power with money. It is needed to pay bills, but it can also be used to plan, invest, and save beyond recurring essential expenses.

Regarding consumerism culture, I have found my spending habits evolving while living in Ghana. I have always been frugal, but shopping, especially for miscellaneous things, was usually an isolated experience. I would check ASOS to see what they have, even if I have no where to go. Now, when I visit home, I still check ASOS, but don’t feel the urge to purchase as much. Instead, I really enjoy shopping in Ghana at pop-up events. Since the majority of my wardrobe has been Western focused for so long, I am more focused on adding statement pieces that are afrocentric and traditionally African. There are a variety of boutiques in Accra plus many talented designers and tailors. I love shopping at pop-up events because it feels more personal. I get to chat with the designer and brand owner. I always ask about their inspiration, how long they have been in business, and what their brand story is. During every national holiday that creates a long weekend, the Accra Goods Market hosts a pop-up event. It features several vendors in clothing, accessories, fabric, decor, and food. Plus a DJ to keep the party vibe. I have attended three of their pop-ups so far and have purchased so many unique gems each time.

My consumerism behavior has become more intentional while living in Ghana. I feel this is because there is more of a sense of community and more opportunities to shop local. My purchase goes beyond a faceless transaction between a product and currency. Each piece has its own personality, which makes the shopping experience more worth while.

How do you keep a budget? What is your shopping personality? Share with me in the comments below.

Also, remember to connect with me on Instagram, Twitter, or Facebook. I love hearing from you.

May 24, 2020
Can I Find My Niche in Ghana & Africa

Africa is the future. The real question is, whose future does it benefit? What does Beyond the Return look like now? Before moving to Ghana, I did a lot of research to try to understand the country and see where I could fit. Even though that helped to encourage me to take the first step, it did not compare to what I needed to learn on the ground. In this video, I discuss what has worked for me in finding and creating my niche in Ghana and Africa.

As I discussed in the video, nothing compares to learning from experience. Being patient, adaptable, and open to learning will take you much further, if you are looking to find and create your niche in Ghana and Africa.

Networking does play a role in your success. Instead of insisting there is only one way to do this, I encourage you to explore what works for your industry and your personality. Some people need to be in everyone’s face. Others prefer to keep their circle of contacts small and close. I have found that a mixture of in person socializing and online outreach allows me to have a diverse network of people to learn from, collaborate with, support, and work with. This lends itself to the work culture in Ghana. You do not need to limit people to one transaction or interaction. The person you purchase furniture from can also introduce you to a business opportunity, help you with your garden, invite you to meet their family, or find that particular gadget that is not available in stores. The person you met at an event can also collaborate with you on a project, introduce you to the manager of a bank, teach you how to cook traditional dishes, or introduce you to their tailor. It all depends on how you value and maneuver your interactions.

Even though these connections feel more wholesome compared to the isolating transactions I experienced in Houston, or America in general, I am still learning how these interactions evolve to create your closer circle of friends. This might be influenced by the societal notion that everyone should know their place. Some people, in spite of interacting with each other for an extended period of time, may never feel comfortable enough to invite me into their home. As an American, this is not unusual because we all have friends who don’t know where we live. From my understanding, Ghanaians do invite their real friends home and introduce them to their families. I have also learned that people in Accra are different from people based or born and raised in other parts of Ghana. This might be similar to other big cities, but the sense that not everyone is truly as they seem or say is not foreign in Accra. I am very grateful that I have met and continue to connect to the people who are wholesome, supportive, authentic, and interesting.

Regarding the established network groups I mentioned in the video, I feel they are a great start to get a sense of who is around, what people are talking about, and what you can connect to. Ahaspora is a group for young professionals. I have also used their job listing to find opportunities. AAAG, the African American Association of Ghana, is the group that introduced me to the W.E.B. Du Bois Center in Accra. Ghana Must Read Book Club is a lovely group of book nerds. I really enjoyed the meet up I attended to discuss Children of Virtue and Vengeance by Tomi Adeyemi. This year, each month is dedicated to a different region of the world. There are many more groups for a variety of interests through out Ghana. These are the ones I have participated in thus far.

When it comes to figuring out if your industry exists in Ghana, or another country in Africa, it is important to remember that it may look different than what you are used to. Even though most of the data you need will come from word of mouth, there are startups developing ways to gather that data for all industries. Survey54 is a platform focused on emerging markets in Africa and its diaspora. I met the founder, Stephen Eyeson, in Ghana during the December holiday season. Him and his team are doing an impressive job developing their product. This article in African Business Magazine discusses the industries that are buzzing due to need to shift the economy into a digital landscape. Like I mentioned in the video, mobile financing, online education, and tele health are on their list. There is also a luxury market in Africa that continues to expand and grow. Another article from African Business Magazine discusses this in more detail. The speed of development, debt, and demand creates an interesting environment in Ghana and Africa. The mixture provides a blank canvas for you to choose how you further your business, make an impact, and gain in every aspect of your life.

So far, this is what has encouraged me to continue my journey. Are you looking to move or work in Ghana or another country in Africa? Are you already based in the royal continent and looking to expand or pivot? What do you find helpful? Let me know in the comments. Let’s continue the conversation.

Also, feel free to reach out and connect with me on Instagram, Twitter, or Facebook. I love hearing from you.

May 9, 2020
Why Does Technology Steal All My Time

In a world where immediate satisfaction is almost faster than the speed of light and privacy is a joke from a 1990s comedy, are our lives better with technology and social media? Or better yet, do you really think what you think? Or is it a product of what you are consuming?

Whenever another headline is published announcing a data leak, bulk password breach, or digital ownership rights, I always wonder if we are really using technology to the best of its ability. Don’t get me wrong, I am not about to advocate for banning smart phones and/or the internet. Rather, I want to discuss how we can use these powerful tools to further enhance our lives in a positive way.

Take for instance the film and book The Circle. I will admit I have only seen the movie, props to Tom Hanks and Emma Watson. That story is set in the not so distance future where your entire existence is attached to a cloud server for everyone to interact with. One of the messages the characters were debating was whether transparency is true democracy or just creepy. I feel that depends on what the information is being used for. Scrolling through someone’s feed cannot substitute active communication with the person when you are trying to get to know them. Neither is scrolling through meme’s and videos for hours at a time the most productive use of your time. So, how do we improve this?

Social media is a great tool to reach more people and ideas then you would without it. Take it as an introduction to the person or idea. As you consume information about people, events, culture, and news, take the time to develop what you think about what you are seeing. How do you feel after watching that clip? What do you already know about that topic? If you were having a discussion with that person or about that topic, what would you contribute? Make an effort to look beyond the sound bites and the viral comments.

Privacy and social media is also an interesting balance. The way things are going, it seems like we only have two choices: one, make every effort possible to remain off the grid by living in an underground laboratory, or, two, accept that every aspect of your life is accessible for entertainment and capitalism purposes. Not much of a balance, is it? I remember there was a time when my friends and I would freak out if we searched for our name on Google and there was one search result that showed some obscure web page from a newspaper or school post. Now, it is common for private information that the Yellow Pages never listed to be accessible with a click or small subscription. Is that a big deal? If we are not all members of a secret ninja society, should we care if this information is floating around? I still find it concerning.

What does this mean for networking and opportunities? Even if you do choose to make your social media accounts private or under alternative names, does the overload of private information help or hinder your prospects? Does it create more biases or openness? Ideally, it should give us space to be more inclusive. If you are building a team you want to be proud of, it could make sense to know what everyone’s opinions, struggles, passions, and dreams are to better understand how everyone will grow within what you are building. To better understand how to push it forward.

Ok, let’s get back to using social media as a positive tool. I love that Twitter now has a bookmark feature. It is better than messaging myself links to things I want to take the time to indulge in later. One of things I finally got a chance to see is Alex Wolf’s mini-documentary “Attention for Sale.” As she spoke about how advertising and technology continues to influence our attention span, rapid clips of various pop culture history flashed across the screen. I find it fascinating to take note of how social media continues to influence human and consumer behavior, which Alex did a wonderful job breaking down. If you have not seen it yet, you should definitely check it out. I love how she concluded with, “we are people of the heart living in a world made for the eyes.”

Do you notice how normal it has become to have everyone and everything pushing for your attention? How difficult it is to decipher between distractions? How naked and anxious you feel when you forget or lose your phone? This goes back to paying attention to how you feel. Maintain the autonomy of your opinions and emotions.

Now, time management. Why does it feel like we have less time in a day? That is because a lot of our time is unaccounted for. Can you honestly pinpoint what you did with your time in the hour before you started reading this post? What about this morning? What about yesterday between 2:15pm and 3:21pm? What about last week? When I hear people complain about time or ask for advice on how to better manage their time, I always respond asking them what is their relationship with time. Most would say they feel time slipping from them or imposing restraints on them.

When it comes to your relationship with time, I feel it is better to view it as something you flow with. As in, you are in control of what you choose to do. The timing of how things happen is what you need to trust. If you choose to use your time sitting instead of running, can you really say time is slipping from you? If everyone is supposed to focus on the speed of their race in their lane, what determines when you choose to sit and when you choose to sprint?

Among other things, technology can be part of it. Maybe you are comparing your chapter 3 to someone else’s chapter 34 on social media. Maybe binge watching certain shows encourages you to remain in your comfort zone. Maybe playing certain video games takes your mind off of boredom or loneliness. Maybe swiping through profiles tricks you into feeling you are making progress. Maybe participating in trolling debates convinces you that you think for yourself. How are you holding yourself accountable?

I feel the key is to stay grounded. Get clear on what you want to accomplish and where you want to go. Keep an open mind as you explore new perspectives and connect to new people. Direct your time. Feel free to use some of your time to rest, to sprint, to delegate, to give, to receive, and anything else you might need. Technology is not the enemy. It really should be the tool that pushes our evolution further and enhances our reality.

So, what is your relationship with technology and social media? How is it enhancing or hindering your time management and overall lifestyle? I would love to hear from you. Let me know in the comments.

Also, remember to connect with me on Instagram and Twitter. I would love to hear from you.

October 19, 2019
I Have a J.D. Now What?

Here we are. After three long years. Finally done. But, now what? I mean, I should be good now, right? I followed all the rules. I did what my parents told me to do. I stayed in school. Even when I felt frustrated, I stuck to it. Even when I felt like I did not belong, I showed up. Leading up to this very moment, where I can finally agree with all the elders that the “world is my oyster” and “all doors are now open to me.” I was really excited about this grande finale, until it ended. There were no oysters or open doors. It felt as if I was turning the page to the next chapter of a book, a real book, and found the next page blank. This was frightening at first, but I learned to recognize and appreciate my new freedom in this blank page.

As you may know, a J.D. can be used for a variety of jobs and landing a job is not easy. As much as everyone likes to advise fresh graduates that networking is the key to success, I feel luck plays a big part in that as well. Your luck only works in your favor if you are prepared for it. That preparation is what I had to take some time to work on. Initially, I figured working hard for grades, a resume, and some form of a network was enough, but it barely scratched the surface. I realized that I had to work on me. I had to believe in me. Crazy, right? How did I miss that? I know I cannot be the only one guilty of forgetting to take care of myself. Well, here are three ways to get back your peace at a turning point in your life.

Jump back and kiss yourself. Yes, I got that from James Brown. You need to be proud of yourself. It is so important to take the time to acknowledge how far you have come and what you achieved. When we are goal-oriented, and possibly humble, we tend to ignore celebrating ourselves. I was guilty of that. Once I master something I put my mind to, I tend to immediately move on to the next challenge. That is ok if you are always in motion. Once there is a pause or a gap, that mindset can lead to heavy doubt. So don’t leave room for doubt. Use that pause to celebrate yourself and be proud of what you accomplished.

Focus on your lane. Comparison is very tempting, especially when it seems everyone else is doing something better than you. Remember, we are all masters of filters and nothing is as it seems. Do not get lost in comparing your chapter 5 with another’s chapter 34. When we fall into comparisons, we miss the opportunity to celebrate others. That is what I continue to remind myself. Spreading love brings good karma in your direction. When I see my colleagues announcing their job placements before Bar exam results come out or engagement parties or moving to a new place, I cheer for them. I am genuinely happy for them and really hope it all works well in their lane. I truly want to see all of us succeed and I know my time in my lane is perfect.

Be optimistic about your new freedom, regardless of what your next step is. Freedom can be scary and exciting. Understand that mixture is ok. This was the biggest thing that had me feeling stuck. This new freedom frightened me because I was afraid of failure. With no guidelines to follow, or program to continue on to, or automatic job to slide in, what would keep me from falling? What would keep me from making mistakes? I realized that is what was so wonderful about this freedom. Do it afraid. Do it excited. I can design my destiny. I can be so in tune with my purpose, that I can trust I am being guided through this freedom.

That is what makes this time so beautiful. It can be transformative if you believe in yourself. Do you have any other tips for feeling stuck after a big accomplishment. Let me know in the comments!

Also, remember to connect with me on Twitter and Instagram. I would love to hear from you.

Photography: Fotos By Ben

Wearing: Kaela Kay dress; DSW heels

October 16, 2017
How Sustainability Has Evolved In Lifestyle and Fashion

The discussion behind the future of our lifestyle and the environment has evolved. It is fascinating to look back 5, 10, or 20 years ago and compare what we thought the future would be to what we are planning for today. The two things I notice the most is the shift in who we consider should participate in this future planning and, ironically, what we expect fashion will look like in the future.

I studied international affairs in college and I remember experts and colleagues arguing that so-called 3rd world countries could not be expected to leap-frog over the entitled industrial age to help save the planet. It seemed like only the 1st world power countries had the privilege to create a sustainable future and somehow only those countries would benefit from it. In spite of stories of inventions and innovation across the planet, it was not considered valued or beneficial across the board.

Now, the opinion has shifted to claim all countries can now pay attention to the health of the planet. I am encouraged by this because I do not think you can restrict sustainability to certain regions and expect it to make a substantial impact. To illustrate this, you should check out the recent collaboration Shell did with artists from around the world: Best Day Of My Life. I will admit, the song is a little corny, but the visuals give the message that this initiative should be a global priority. It got me wondering if, as a planet, we could really come together to work towards this goal. Are not wars and poverty a bigger priority for most? or are they more of a distraction? The Shell video also made me think about how we as individuals and citizens of the world can contribute to this initiative. The conversation about climate change and clean energy should not be political. It should not only feature Leonardo DiCaprio as the sole brand ambassador. We can do more. The question is, what really makes a difference? I would love to hear your thoughts on this.

Regarding the future of style, it seems like it has changed with our impression of what the future holds. My introduction to the future was through the movie Zenon: Girl of the 21st Century. The wardrobe in that movie was bright and colorful. Next, I was exposed to The Jetsons (and here is why The Jetsons still matter according to the Smithsonian). Their wardrobe was bright and colorful. Now, I am not sure if this started with Star Wars, or maybe was emphasized through The Hunger Games and Divergent, but we are anticipating a dreary future. There is no color. In all three of those series, the wardrobe sticks with a black, brown, and grey palette that is always prepared to battle aliens, demons, or evil parents. We also cannot forget the zombies.

The fusion between fashion and technology is really exciting. I am not just talking about jewelry that tracks how many steps you walk. From temperature control to mini computers, we are inventing some pretty neat stuff. If you are interested in this kind of innovation, you should check out FashNerd.com. They post all about it.

Maybe with time, we will bring the color back to the future of style. Once we get all the upgrade glitches fixed, we can add bold patterns and hues to the fabric. Maybe we will not need climate-changing-body-armor or wearable weapons. This could possibly help us to not accept a dreary war-torn future, but instead take initiative in creating a bright united future.

What do you think about how the sustainability narrative is evolving? What are you most hopeful for in how we contribute to a brighter future? Let me know what you think in the comments below.

Also, remember to connect with me on Twitter and Instagram. I would love to hear from you.

Please note the links I shared in this post are not affiliates. They are articles and websites I think you would enjoy…because sharing is caring.

Wearing: Rahyma via Zuvaa jumpsuit; Michael Kors heels; Rachel Stewart earrings

October 24, 2016
What Are Blogs With Benefits

We are about our business. Blogging is a business. So, let’s chat. If you have been following my blogging tips or Pinterest blog ideas board, you know I have been working to create an enjoyable and substantial experience here. One of the things I enjoy about blogging is the endless possibilities it can branch out to. From content series, collaborations, and expansions, there is always some experiment to tinker with and share. For example, I have been pushing myself to incorporate more visuals in all of my posts and I am enjoying the challenge of thinking outside of the box when I write.

With that being said, as lovely as all of this content is, we all would like to be paid for our brilliance. Understandable. As the blogosphere has evolved over the past few years, I have noticed a trend for uniform monetization. Advertisements, affiliate programs, and sponsored posts are level 1 and webinars, e-courses, and e-books are level 2. Additionally, if you are not interested in being a life coach, blog coach, or some coach, you can sell mugs or planners with cute quotes. Now, I salute all the bloggers out there who are providing these services or learning how to provide these services. You are changing the face of entrepreneurship and dissolving barriers.

There are a few things I am not too keen about with this monetization trend. I feel like some of us have lost sight of the bigger picture. There are too many empty blog posts being written today. Must every post lead to a semi-sales pitch for a newsletter? Must all readers be lured as aimless consumers? Must all of our social media accounts be engaged robots? I think we need to create a balance.

As big as the web is, it has become saturated. As content creators, we are always thinking of the best way to share our work to reach the biggest audience. Even with the automated services, pre-scheduling strategies, and hashtag practices, are we willing to sacrifice our substance?

I do not have advertisements on my site (except for the little ones WordPress keeps to persuade me to upgrade to premium). The links in my life or style posts are not affiliated. I genuinely share other products or content because I think it is cool and figure you might like it too. My preference in monetizing, which might be influenced by my experience as a freelance journalist, is based on content and community. I prefer getting paid to produce work that is authentic to enhance my community. A digital influencer should not only direct you towards what to buy. The purpose behind our gifts stretches beyond that. The challenge is recognizing that value.

Again, blogging is a business. I am excited to see all the innovation growing from it. Maybe we can also re-define what kind of business it is.

What do you think about monetizing blogs? Do you treat your blog as a business? How do you balance the value of your content with the value of your profit? Let me know in the comments below.

Let’s connect on Instagram and Twitter.

January 27, 2016