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      How This Midwife Created a Judgement-Free Zone on the Internet for Women to Talk Freely About Their Bodies

      by

      In the age of Instagram, one of the biggest issues people express is a lack of authenticity on the platform; too much curated content and not enough applicable, real-life stuff. And while that can be true, it’s anything but for Ailsa Emmel of Happy Go Curly.On Happy Go Curly, you get your daily dose of style inspiration, but in between that also get something less expected: health education, particularly on vaginal health. What started out as a fashion Instagram has evolved into including insight that Ailsa has experience with from her day job as a Certified Nurse-Midwife, and her weekly Women’s Health Wednesday posts touch everything from birth control to breastfeeding to real talks about lubricant. 
      Curious about how Happy Go Curly came to be and what Ailsa’s plans are for the future? Look no further.

      Name: Ailsa Emmel, Certified Nurse-MidwifeAge: 40s Current Location: Miami, FloridaEducation: Master’s degree, Bachelor’s of Science in Nursing, Bachelor’s of Science in Pyschology

      What was your first job and how did you land it?

      [My] first job out of college was easy. I had an NROTC scholarship, so I was commissioned in the United States Navy as an officer. I was a Navy nurse. 

      Tell us a little bit about your career journey. You’re a Certified Nurse Midwife (CNM)—what inspired you to start your Instagram on top of that?

      I went to college and got a Bachelor’s in Science in Nursing. I became an RN (after taking the credentialing test, of course). I spent four+ years as a commissioned officer and got out to join the reserves. This was during wartime, and it was too hard on my family since my hubby was also on active duty. We had young twins and were worried we would both be sent to war at the same time, so I decided to get out and attend Midwifery school at The University of Miami. 
      I started my Instagram years ago as a fashion account. I wanted to make good use of my closet, and back then styling prompts were a thing. I initially started my account as @emmeltwins. @_happygocurly_ didn’t evolve until late 2018 in my kitchen. I was brainstorming with my girlfriend and daughters. My account was moving away from a private, small account, and I wanted a name that defined me. I wanted people to know a little bit more about me just from seeing my handle. It was still about clothes and everyday life. The true integration of being a CNM coupled with fashion and lifestyle came later.

      What were the beginning stages of @_happygocurly_ like? Was there a moment where you felt like, wow, I’m really doing this?

      HGC truly came to be when we moved to Boston from 2018-2019 for the year (my hubby was doing a fellowship at MIT). I say this because I spent a lot of time exploring and spending time alone. I think it helped me to get to know myself. I fell in love with ME. It was there that a follower recommended I do a Women’s Health Wednesday every week. I was like, ‘No way, I don’t have enough topics to talk about every week,’ but I was wrong! The topics came flooding in, and people were tuning in and asking questions.
      The beginning of @_happygocurly_ was a troubleshoot. I didn’t identify my why; I didn’t know what my purpose was on Instagram. I was so busy looking at what everyone else was posting and not using my voice. It was when I started to use my voice that things started changing. 

      How has @_happygocurly_ evolved since you began it? What would you say your main priority is in choosing your posts?

      HGC has become a safe haven for many—at least that is the atmosphere I want to create and cultivate. Women can come to me and ask and share anything. It is a judgment-free zone as long as you are kind. I want them to embrace their bodies and all that she is capable of. I want them to move their body (exercise of some form), meditate, perform self-care (however that is for them), read (explore different topics and books), and follow different accounts (diversity is key from different body types to ethnicities).
      My main priority is reality. I want people to not seek perfection, but to seek understanding. I want them to know it is OK not to be like everyone else. I want them to explore their differences and embrace them. I know it sounds trite, but I want everyone to recognize their strengths and beauty. I say this because “pulling the curtain” in patient’s rooms, I see and hear their insecurities. I choose my posts based on how I am feeling and if I have something to say or share. I used to think I needed to post every day or twice a day and have found that is much more meaningful when I don’t. So, maybe one day I have a lot to say on my feed, and then other days not so much. I do, however, love stories. I am very active there and share it all. 

      I want people to not seek perfection, but to seek understanding.

      How do you balance  @_happygocurly_ with your CNM career? Do they overlap in any ways?

      Eek. It is definitely a hard balance. I work out of state every three weeks for a week or more. I have to plan (I say this lightly because that is not my forte), and I truly like the more spontaneous posts. When I am working, I like to give my undivided attention and energy to my patients. I find that I miss my Instagram friends so very much. I still pop in and out and always do my #happygocurlywhw
      They do overlap because I do talk about women’s topics on Wednesdays. I dedicate Wednesdays for that reason, but also at any time I may discuss vaginal health. I want women to talk about their bodies freely. I have found that these are the topics they have the most questions about: vaginal dryness, menopause, mothering/parenting, bonding, breastfeeding, labor, and the list goes on and on. 

      What has been the greatest challenge of your Instagram? Your favorite part?

      The greatest challenge has been getting good pics and Instagram-worthy scenery to capture the content. Trying to stay ahead with all the new changes has been defeating at times. While I like to think of myself as dynamic, sometimes the new additions can be daunting and time-consuming. I have been frustrated with my content going away after 24 hours and realized I needed a way to have it be accessible.
      My favorite part is the people for sure. I have made some of my closest friends on Instagram. I love the impact my WHW has made on so many, and when I get messages saying they listened and went to their provider and got a diagnosis or were able to advocate for themselves based on my talks. I think it is normal to question every once in a while if you are making a difference.

      I love the impact my Women’s Health Wednesday has made on so many, and when I get messages saying they listened and went to their provider and got a diagnosis or were able to advocate for themselves based on my talks.

      The past year hasn’t exactly been easy. How do you approach your Instagram when there are such major current events happening?

      I find that I speak my mind. I don’t want to bombard my followers, but I also want them to understand how current events affect me as a BIPOC/Black woman. I share my experiences in relation to BLM. I try to expose them to a different world. I invite them to ask questions. I try to call in my community, rather than call out. I want them to always ask the hard questions in an effort to gain knowledge. 

      I invite them to ask questions. I try to call in my community, rather than call out. I want them to always ask the hard questions in an effort to gain knowledge. 

      What career moment are you most proud of thus far?

      Becoming a CNM. I am so happy it worked out that I get to live my passion. Every time I deliver a baby, I pinch myself. I thank the parents for allowing me to share this moment with them. Living your life’s passion is the greatest high for me. 

      Where do you see yourself next year? Five years from now?

      In the next year: moving to North Carolina. I want to start a blog. I want to create a place where women can find the information they need in case they miss WHW. 
      Five years: Well, my hubby will probably be retiring from the USMC, and we will have to pick a location to live. I have no idea where that may be. Geez, I don’t have any grand plans except to be happy and to keep plugging along. I think I am living exactly what I want and don’t want for much more. That can change quickly—heck, it may change tomorrow. Ask me again next week.

      What’s the best piece of advice you’ve ever received?

      To thine ownself be true. This is my mantra. When I start to get lost in the hustle, I remember that if I am not making myself happy, I am no good to anyone else. 

      What advice would you give your 22-year-old self?

      Keep working hard, you’re going to be amazing. Be sure to love you first before you try to give yourself to others. 

      Ailsa Emmel is The Everygirl …

      Go-to coffee order? Grande latte, light foam (I know it defeats the whole point of a latte). Or a Venti black unsweetened iced tea with two Splendas
      Favorite act of self-care? Working out and sweating
      Top song of 2020? Ed Sheeran, Perfect
      Favorite piece in your wardrobe? Denim jacket
      If you could have lunch with any woman, who would you choose and why? Maya Angelou, Toni Morrison, and Oprah Winfrey—all inspiring and strong women. They were (and are) tenacious and headstrong yet so caring and helped me stay focused. More

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      in lifestyle and culture

      Grab Our Photo Editing Course + 110 Other Online Courses for Just $75

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      The dreary winter months at the beginning of the year always feel like the perfect time to do a little reflection and check in with yourself. From cultivating new hobbies to pursuing mindset shifts and overcoming personal roadblocks, it’s a great time to work toward a more content and revitalized you. Which is why we’re so excited to have partnered with The Bundle Co. to offer our popular Mastering Photo Editing on Your Phone course as part of a pack of 111 (!!) online courses full of self-improvement-focused classes on everything from overcoming imposter syndrome to financial wellness. The full bundle is an incredible value, worth over $20,000 (seriously, $20,000), and on sale now for just $75.90. This is the biggest bundle they’ve ever offered, at the lowest price, and we’re so excited to be included. 
      Claim all 111 courses now (an over $20,000 value) for just $75.90

      Our popular course, Mastering Photo Editing on Your Phone, is included! 

      About Mastering Photo Editing on Your Phone
      We start the course with our best tips and tricks for actually taking your photos. Even though editing can cover a lot of sins when it comes to photos, it always helps to set yourself up for success when shooting. We go over how to create balance in the composition of your shots and our process for taking our fave photos—like outfit flatlays, exterior shots, and interior vignettes. 
      Next, we take you through all the edits we routinely make on our photos—from brightness to contrast to removing imperfections. With guided video tutorials and pro tips from our guest instructors Lauren Taylor and Ali Stone. 
      You’ll learn our favorite apps for making specific edits—like Snapseed and Tezza—as well as the order we make our edits for the best results. Playing with filters is fun, but sometimes you need to overhaul a photo and a filter just won’t cut it. In this course, you’ll learn the separate core elements of photo editing, so you can edit any photo with ease. All you need to take the course is a phone with app capability. 

      Plus, 110 other amazing courses, all for $75.90 (!!). Here’s a quick look at a few of the courses included in the bundle that we can’t wait to dive into: 

      Taught by Tatiana O’Hara, this course is for anyone who has struggled with having the tough conversations in a corporate role. It covers everything from how to prepare yourself for the conversation to conversation scripts to how to communication after the conversations are finished, and so much more. If you’re in a leadership role, this course is essential. 

      A holistic health coach and registered nurse currently working toward a doctorate in integrated medicine, Kate Eskuri was one of our expert panelists for our 6-Week Self-Care Challenge and we love this goal-setting course she’s created to help you manage your productivity and get sh*t done. The course includes guided worksheets, journal prompts, and a six-step ritual to help you put all your planning to action and achieve your goals. 

      Are you a small business owner having trouble moving or marketing your inventory? This is the course for you. Dani Brown takes you step-by-step through her unique strategy to selling out your launches or restocks every. single. time. A great tool for business owners, including bonus material and a workbook to help you implement her advice every step of the way. 

      Imposter syndrome can stop you in your tracks and prevent you from achieving your goals or feeling like the best version of yourself. Learn how to shift that mindset and start thinking differently with Erika Cramer’s in-depth guide on overcoming imposter syndrome and reclaiming your confidence. 

      Get the full scoop on every course included here. Be sure to claim your bundle by Sunday, February 7, because this amazing price is on the table for this week only. 

      We can’t wait to see what you create with these powerhouse resources! Follow us over @theeverygirlcourses on Instagram and share which course you’re the most excited to start. Plus, more info on future course releases from The Everygirl—we’ve got tons of amazing content in the works for you. More

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      in health and weelbeing

      The #1 Conversation You Need to Have Before Getting Married

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      It started as a normal morning enjoying a cup of coffee together before the craziness of the day began. “Coffee time,” as we call it, is our daily ritual of couple time where no phones are allowed, and we just talk. Most days it’s an enjoyable conversation, but on this particular morning, we veered into dangerous territory: money. Before I could try to change the subject, an inevitable question surfaced.“Exactly how much debt do you have?” he asked as my body began to tense.
      For the record, I don’t have a lot of debt, but I do have some. My partner, on the other hand, has none. I immediately felt uneasy and insecure. We made it through the conversation unscathed, but it got me thinking about couples and finances and why it’s so hard to talk about money. Studies show that money is one of the most widespread, difficult, and persistent issues within marriages. It’s no wonder a new practice of premarital financial counseling seems to be gaining popularity among engaged couples. 

      Why is it so hard for couples to talk about money? 
      When two people decide to do life together, it’s much more than a merging of households and families. As a licensed couple and family therapist Michelle Collins explained, couples are also joining their pasts and future dreams. “Along with those things, they are joining their different orientations towards money,” Collins said.
      Our family culture, values, and past experiences help determine our views and beliefs about money. “One’s relationship with money develops the language they use when communicating about, interacting with, and showing others how they treat money,” Collins said. “It is common for partners to have different languages about money and when trying to bridge the gap, couples find they don’t have all the tools to translate—and listen—clearly.”
      It comes down to a communication issue. Collins works with couples to examine their family tree and discuss how each individual’s parents’ life experiences and views toward money have impacted their own relationship with money. “This conversation allows partners to better understand how the other person has developed their money language and then find ways to translate so they can be successful managing their finances.”

      What is premarital financial counseling?
      Think of it like couples counseling meets financial counseling. An unbiased, trained professional will help translate your different money languages so you can navigate important financial decisions. “Premarital financial counseling involves the creation of a budget, and the discussion of long-term and short-term financial goals like saving for a home, or the parties’ thoughts about retirement,” Holly Davis, a family law attorney at Kirker Davis LLP, explained. 
      You will discuss everything from spending habits and work ethic to how you’ll handle potential difficult financial situations. “These are so important to discuss because if you are engaged to a big spender, and you are a penny pincher, you have the opportunity to work with your fiancée to see if you can influence their behavior, or to see if you can soften your stance on the position,” Davis said. “Compromises need to be reached when two parties have two very different opinions on big financial topics.” You will learn a lot about your partner and your relationship when you get into the details of what you will do if someone loses their job, or how much money they think should be spent on vacations, entertainment, or clothing.

      Who can benefit from premarital financial counseling?
      Don’t let the word premarital fool you. Both Collins and Davis believe every couple can benefit from financial counseling. “I have never seen a couple not benefit from having a dedicated and structured conversation around money,” said Collins. 
      Davis pointed out that financial consultation is important any time a couple shares expenses or a living space regardless of the status of the relationship. “Waiting for an engagement to discuss these issues is oftentimes too late to change course if you are truly incompatible with someone financially,” she said. Even if you think you have similar views towards money because you come from similar families, Davis warned that could be a false sense of security. She said you must get into specific hypotheticals with your partner to know you’re really on the same page.

      Source: rawpixel

      How to avoid money issues in your relationship.
      First things first, stop avoiding talking about money. Davis recommended being proactive about discussing money frequently, rather than waiting until you’re in the middle of a financial issue. This, she explained, will help you become more self-aware and realize what triggers you when discussing money. “If you know your own roadmap to having a negative reaction, you can try to stop it before it starts,” Davis said.
      Don’t shy away from uncomfortable conversations. According to Collins and Davis, the following questions are important yet often avoided prior to marriage:

      Will we have a joint account? 
      Are there expectations for us to monitor or hold each other accountable about personal spending? 
      Do your family members have any financial expectations of you?
      Do you like to enjoy money, have it for security, or use it as a status symbol?
      If you were fired or laid off or couldn’t perform your current job, what would you do?  What’s your Plan B?  
      If you plan on having children, how does each person feel about what their role is in raising the children? Will one person primarily perform this function, or will it be a shared role between the two parties?

      Ultimately, it comes down to willingness to communicate and compromise. The earlier you identify and understand your different money languages, the quicker you can work on finding common ground. “The hardest part isn’t identifying differences, it’s actually changing your own default opinion in the face of a different opinion that is the hard work,” Davis explained. “If you are engaged to a person who is willing to do this, then your differences can likely be successfully bridged.” 
      And if these conversations are too difficult on your own, know that you can always bring in a professional. A trained couple’s counselor or premarital financial counselor will help navigate the conversation and close the gap between your different money languages without bias or emotion. They will ensure the conversation is productive and that you walk away with a clear understanding of your financial future before you walk down the aisle.
      As for my coffee time debt discussion with my partner, I’m sure it is the first of many uncomfortable conversations about money. And maybe therein lies the real value in it. After all, life isn’t always comfortable so for a relationship to last, it needs to be built on a foundation of honest, respectful communication, no matter what the topic.  More

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      in lifestyle and culture

      7 Tech Hacks to Help You Find Work-Life Balance

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      When it comes to work, technology can make or break you. While it’s made our work more efficient, it also can mean that you’re plugged into your job at all hours of every day—which can be draining and unnecessary. Obviously, 2020 heightened this even more; with work-from-home being the case for the foreseeable future, it’s important to be able to make your technology work for you. Here are easy ways to make sure you’re maintaining work-life balance—even when you’re working remote.

      1. Delete, delete, delete
      One easy way to not let work get in the way of your personal time is to delete the email app off your phone right after you finish working on Fridays (this can also apply to any communication apps your company uses). Then, you can re-download it every Monday morning once you officially start your work day. Not only will this allow you to enjoy your weekend fully and without distractions, but you’ll start your work week off on a much more peaceful foot. You really don’t need to start worrying about work emails the second you wake up on Monday morning. 
      This may sound like a pain, but it only takes 60 seconds to re-download the app each week, and you’ll gain so much by removing email completely from your view for the entire weekend.
      Social media managers: the same goes for you. Delete and re-download any social media apps you aren’t supposed to check during the weekend. If you’re not asked to be on call, it’s OK to step away and take a breather. 

      2. Don’t be afraid of do not disturb
      It can feel like a big deal to cut yourself off from the world, but trust us, once you learn to trust the “do not disturb” settings on your phone, you’ll never want to go back. If you have a work-only phone, even better—you can set your whole device to “do not disturb” for non-work hours. 
      If you use your personal phone as your work phone, you can still do this, but might want to allow certain friends and family members to call you during that time. If your boss really needs to reach you, don’t worry: if they call twice within three minutes, the phone will ring (you can learn more about how all these features work here). But no, you don’t need to respond to your boss’ brainstorming texts when you’re trying to enjoy dinner with your family. 

      Source: Colorjoy Stock

      3. Remove notifications
      Even if you don’t open that Slack message or email that comes in a little too early in the morning, it doesn’t mean it’s not disturbing your personal time. That’s time you’re spending reaching for your phone, looking at your screen, and making a mental note to respond later. You now may find yourself thinking about that message during your commute or while cleaning up after dinner instead of catching up on your favorite podcast. Turn off any non-necessary notifications—on your phone and computer—and cut out the distractions. This applies to personal apps too. Not only will your personal time feel more freeing, but you won’t get distracted during work. Get more done and get your butt home. 

      4. Block your worst distractions
      We all have a few websites that we gravitate towards a little too much during the day (this writer is guilty of refreshing New York Magazine’s site constantly since 2008). Try setting some website blockers on your computer to help you keep your focus during the work day. These distractions can slow you down and cause you to work later than you should, especially if you’re working from home where it’s easy to fall into a productivity guilt trap and to work late to compensate. Many of these tools allow you to block devices during set hours (think 9-5), and others remove your access to the site completely until you say you want them back. This list of website blockers is a great place to start!

      5. Use tech to set boundaries
      Remember back in the day when we would customize our AIM chat room away statuses whenever we stepped away from that precious screen? It’s not entirely clear why anyone needed to know we were in the shower, but that’s how it went. Today, you can do the same thing with your more modern forms of communication. Whenever you leave the office or simply want some heads down time, feel free to change your status on Slack, mark off time on your public calendar, or set OOO notices that inform your coworkers when you’ll be back online. This may feel harsh at times, but if expectations are set, no one will feel like they’re waiting around for your response since they know you aren’t available at the moment. 

      Source: Colorjoy Stock

      6. Track your movements
      We’re talking literally. Track every physical move you make with a smart watch, your phone, or some sort of exercise tracking device. Set movement goals for yourself and use your tech pal to track your steps and keep you accountable. Check in on your progress throughout the day—an app may just be the reminder you need to give yourself a break and get your blood flowing! 

      7. Set break reminders
      Similar to how you can use your tech devices to give you a nudge when you need to get moving, use your phone or computer to set break reminders. It’s so easy to get caught up in our work and forget to take breaks, but you need to take them. Block off time for a solid lunch break on your calendar, or set a timer to alert you when you’ve worked for an hour straight. Move. Breath. Stop typing. Do whatever you need to do to relieve tension, take a break, and come up for air. You deserve it.  More

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      in lifestyle and culture

      Ready to Land Your Dream Job in 2021? Read This First

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      If you’re ready to stop spending 40+ hours a week hating what you do, we’re here to help.  We’re firm believers that it is possible to love your job and that there are specific strategies you can put in place to help you get there. 

      It all starts with identifying your passions, your strengths, and the uniqueness that makes you special—then highlighting all that goodness on paper, online, and in your interview to wow recruiters and future employers with what you already know you’re capable of. Our Landing Your Dream Job online course is a 100-page workbook packed with worksheets, prompts, templates, and advice to help you organize your online presence, buff up your resume, and enter the job market with the confidence to succeed. Because it’s just a matter of getting in front of the right person and showing them exactly what you can do. Ready to get started? 

      What does the course cover? 
      The 100-page workbook is broken down into seven sections, based on skills you’ll need as you prepare to enter the job market (either for the first time, to change careers, to spruce up your networking game, and more). Each section includes notes and insight from successful women (like our cofounders!), guided worksheets, prompts, resource lists, and further reading to help you organize your thoughts and ideas and feel prepared to wow recruiters and future employers. The course also includes five exclusive resume, cover letter, and email signature templates to help you present your professional best. 

      What do I need to take this course? 
      All you need to get started is a pen and paper. We also recommend gathering any current materials you have—like your resumes and former cover letters—so you can review everything in one place and start making updates. 
      The course is completely self-paced, so you can start working through each section at the time that works for you—whether that is Sunday mornings with a cup of coffee, Tuesday nights with a glass of wine, or anywhere in between. After purchasing, you’ll have a full year of access to the course, and unlimited lifetime access to all the course downloads. 
      The course also includes five exclusive resume, cover letter, and email signature templates which are available as both Photoshop and Word files, so you can edit them with your information and customize them to work for you.  
      You can access our course platform from any browser, so no apps or extra software needed. Once you purchase the course, you’ll be prompted to create an account with a username and password, which is how you’ll login to access your courses. Questions about how the course system works? Reach out to [email protected] and we’ll be happy to help. 

      Frequently asked questions

      When does the course start? 

      Since the course is entirely self-paced, you can start it whenever works best for you! Upon purchasing, you’ll have immediate access to the full course, including the guided worksheets and templates. You can only enroll in the course until TUESDAY, JANUARY 19th, so be sure to grab your spot now. 

      How much does the course cost? 

      The full course—including the 100-page workbook, resource lists, templates, and Facebook group access— is $95 and we’re also offering a payment plan of two monthly payments of $47.50. 

      What’s included with the course?  

      Your purchase of the course gets you immediate access to our online platform, where you can download your workbook and templates and start learning immediately. Each section of the course includes section notes, advice, insight from experts, guided worksheets, prompts, and resource lists. The course also includes five exclusive resume, cover letter, and email signature templates. And finally, the course includes an invitation to our private Facebook group, where you can ask questions and connect with other course attendees. 

      How do I claim my spot? 
      After you purchase, you’ll have immediate access to the course and the ability to start learning right away. Remember, the course is completely self-paced, so you can move through it at a rate that works for you. Enrollment is only open until TUESDAY, JANUARY 19th so be sure to grab your spot now before it’s too late! 

      Questions? 
      If you have any questions about our Landing Your Dream Job course or any of our other online courses, leave a comment here or reach out to us at [email protected] and we’ll be happy to help! More

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      in lifestyle and culture

      What to Do if You’re Living Paycheck to Paycheck

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      If it seems like your paycheck is disappearing right before your eyes and you’re always anxiously awaiting your next payday, you’re familiar with the feeling of stretching a dollar to its limits. The anxiety of living paycheck to paycheck is unnerving. Unfortunately, many of us have been there, and sometimes, at no fault of our own. Living from paycheck to paycheck might leave you to think that you are spending unwisely, but you may just need to fine-tune your expenses, set a budget, and take a closer look at what’s coming out and going into your bank account each payday. You deserve to see the fruits of your hard-earned money, not watch it go by while living on pins and needles financially until your next payday rolls in. 
      There are no shortcuts or secrets on how to maintain a healthy relationship with your money to avoid living from paycheck to paycheck, but you can be better equipped to make your money last longer and work smarter for you. Here are a few tips you can use if you are struggling to make ends meet in between paydays.
       
      Evaluate your expenses 
      Your expenses are usually the biggest culprit as to why you might be living paycheck to paycheck. Expenses often include fixed bills like your rent or mortgage, car payments, utilities, and other living expenses that don’t fluctuate much month-by-month, and variable expenses like transportation costs, dining and eating out, your personal care expenses, and other costs that can easily increase or decrease, depending on your personal spending. 
      Take a closer look at all of your expenses, down to the dollar, to evaluate where your money is truly going—even after you’ve paid all of your bills. This will help you map out how little or how much money is being spent after every paycheck. What is being spent each paycheck on food, drinks, living expenses, and other personal items? Write down how much you’re spending on a daily basis after each paycheck has hit your bank account. 
      As you assess your expenses on a paycheck-by-paycheck basis, evaluate what’s being spent and how much is going out, especially if you’ve set up auto-pay on any of your bills. Are you finding that your cable bill or your online subscriptions are going up each month? If you have these services on auto-pay, don’t continue to set and forget them. Make sure to skim through the breakdown of your bills each month to make sure you aren’t paying more than you should. 
      Another part of your expenses is how much is being taken out of your paycheck each pay for taxes, health, dental insurance, and retirement. It’s important to keep track of your contributions and elections for each to see if you can save any extra dollars by modifying your deductions. It’s best to consult with your Human Resources team or personal finance advisor about ways you can save money being taken out of your paycheck. 
      Evaluating your expenses can be cringeworthy, making you take a hard, honest look at your finances and addressing how you’re spending your money, but it’ll help you gain more control over where your hard-earned money is going to help you better manage it. 

      Now Available: The Everygirl 2021 Planners!

      Use a budgeting app 
      There’s no shortage of budgeting tools and apps on the market that can help you track and control your spending so that you can stop living from paycheck to paycheck. There are a wide variety of budgeting apps to choose from that can fit your financial situation and personal preferences, from apps that track your daily spending straight from your linked bank account to ones that let you manually track your expenses yourself. Many of these apps also offer tips and ways you can help curb your spending by grouping your transactions into categories so that you can easily visualize how much you’re spending in each area of your life, from shopping to bills and utilities. 
      From the EveryDollar app to You Need A Budget (YNAB), these device-friendly apps are designed to keep you on top of your spending and expenses in an easily accessible way. Stop living from paycheck to paycheck by using a budgeting tool to monitor your expenses and track where your money ends up after getting paid. Look at it as your accountability partner, reminding you to give every dollar a job, spend more wisely, and prepare for those unexpected expenses before they siphon your paycheck. 

      Consider a side hustle 
      Sometimes, no matter how much you try to make your check stretch after payday, one job may not be enough to cover all of your expenses, especially if you’re facing a financial hardship. If your schedule permits, pick up a side gig, as increasing your income might help alleviate some of the stress of living paycheck to paycheck. 
      Assess your personal and work schedules to see if picking up another source of income can work for you. If you have a specific skill or are trained in a specific field or trade, find a side job that will accommodate what you already have knowledge or experience in and what might fit your schedule. From freelancing to customer service to project-based jobs, there are many ways to make money on the side to offset any loss of income. Make sure your side hustle fits your lifestyle and is budgeted into your already-existing expenses, and that it doesn’t tempt you into adding more expenses to your budget. 

      Source: Abigail Yonker

      Downsize your lifestyle 
      After evaluating your bills and expenses, it may be time to cut some of your spending and downsize where you can to give yourself more room in between paychecks. 
      A great place to start is your personal spending. Are you able to cut out a few trips to Starbucks or on online shopping? Are you able to save a few extra dollars by doing your own hair and nails or working out at home instead of paying for the gym? See where you can cut back on your personal spending in a few areas like food, drinks, personal care, and entertainment—a few spending categories most people end up overspending each month.  
      Next, try evaluating ways you can save a few extra dollars by downsizing your living if possible, cutting back on what you spend on wants vs. needs each paycheck. This could include your cable and internet services, subscriptions you barely use, and other various services you could possibly live without. Find ways to share these services with friends and family and split the cost of them to help free up some money for you. 

      Don’t skimp on saving
      Even though living from paycheck to paycheck can be daunting, no matter how tight your wallet gets, don’t forget to budget in money for savings. It might be tempting to forget or push off saving due to the stress of taking care of bills and other expenses, but saving is a very important tool to help you get out of the paycheck-to-paycheck cycle. 
      Set aside a few dollars each paycheck to go straight into your savings automatically before any spending. Saving first before spending helps you set aside your hard-earned money for emergencies or future expenses so that you’re not using your last dollar solely on paying bills with nothing to fall back on. Even if it’s only small amounts here and there, each payday, designate a portion of your check to yourself in a savings account. Paying yourself first is one of the most important steps in managing your money wisely. 

      How do you avoid living from paycheck-to-paycheck? More