Dear Navigator, I Nearly Lost Myself.

Growth is what happens after we make a conscious decision not to go through the same thing while expecting the same outcome. If you’re like me, this can be quite challenging because you find yourself becoming numb to the impact of the end result after experiencing it time after time.

Fellow navigator, you may grow accustomed to being called out of your name, shamed because you don’t look like the next top model, and ridiculed because your skills are not as sophisticated as the one he dated before you. His words pierce because they are said from a place of hurt and pain. He is unsatisfied with himself or the surrounding circumstances, so he takes his frustration out on you and verbally assaults your abilities, character, and physique all in one fell swoop. And you, not wanting to go back to life as a party of one, dwell on his words until you begin to believe them.

Like a robot.

Despite having entered into a relationship knowing your value and all you brought to the proverbial table, you allow one conversation to strip you of your dignity and self-respect. It might be ok if this had been a one-time thing, but you know it wasn’t. In fact, this is a regular situation you find yourself in. Of course, the lead male character is played by different men, but you are always cast for the supporting female role. Like sandcastles on the beach right before the tide comes in, you’re built up only to be washed away. As you go from relationship to relationship, you become more desensitized to his words. How can all the men you date know so much about your character flaws? Are your insecurities that obvious? You really are lucky he’s still with you, even though you’re not good at many things.

Does this sound remotely familiar? It does to me. While some aspects of the aforementioned story are fictitious, the underlying message resonates to my core because I was that woman. Regardless of all I brought into a relationship in the beginning, those things became less important as I made him and his needs more of a priority than my own. I allowed myself to believe that all relationships required compromise, so I had to put him first. Fellow navigator, this is one of the biggest lies we tell ourselves or permit others to tell us.

Until the man you’re with expresses his intent to exclusively pursue you, he gets to be whatever number you assign him on your priority list. Realizing that I was about to go into another cycle, I pulled back.

The first time you find yourself at that fork in the road where you must decide to continue living life as usual or do something else can be rough. At least you know what the outcome will be if you choose the familiar route. Going the other way means potentially losing the one person who seems to get you. But does he? Does he really? If he understood, cared for, or valued you, would he really just stand by as you lost more and more of yourself trying to become what he wants? That, fellow navigator, is what we don’t talk about as much.

In the process of getting to know someone or dating, we see important character traits in them. Whether good or bad, they give us much insight into the true nature of that man. A man who cares for you will not be able to stand watching you lose your joie de vivre, especially if it’s because you’re too busy attending to him. One of the things being single until this point has done is allowed me to spend time with myself to learn about my character. There are things about myself that I absolutely love. I know that the absence of my smile is always a marker when things aren’t right in my world. Because of that, I’ve learned to pay attention when a relationship no longer brings me joy. When the sound of his voice, his presence, or his contributions no longer leave me feeling happy, I know that something is wrong.

To regain control of the narrative, I ultimately walked away from him. It was emotionally painful, but I experienced a freedom that I wouldn’t trade for the world. Once he was no longer my primary focus, I began to laugh and smile. My love for those things I used to do returned, and I unlocked new gifts I never knew I had. There were nights of endless tears and thoughts of going back to him, but I told myself I couldn’t. When I felt weak and like I was going to regress, I leaned on God’s strength to get me through. He wanted better for me; this man was not His best. That singular truth helped me get out of what would have been an otherwise toxic relationship.

Fellow navigator, I’m not suggesting that you become a cynic when it comes to relationships. No, I’m merely asking you to firmly hold on to who you are. While it’s ok to make small compromises for the man you’re dating, you shouldn’t be made to feel as though your needs don’t matter. Have you ever been in this sort of position? How did you pull yourself out of it? Tell me about it!

Ready or Not: Ms. Fix-it

“I’d be lying if I said I didn’t get frustrated each time some unexpected project came up that needed to be addressed.”

As a single woman who has lived on her own for years, it’s safe to say that I’ve spent a good amount of money paying professionals to fix things around the house. When I lived in an apartment, it was fairly easy to pick up the phone to call the leasing office or submit a maintenance request. However, when I lived in my condo, I became responsible for all upkeep. This was one of the biggest reality checks of my life.

I’d be lying if I said I didn’t get frustrated each time some unexpected project came up that needed to be addressed. When the bulb in my closet stopped working, I thought it would be a simple fix. Wrong. After buying a new bulb, I learned that the entire light fixture needed to be replaced. With the help of my father and YouTube videos, I was able to turn off the power source to my master closet and replace the fixture without getting electrocuted.

“Using our combined brainpower, we figured out how to replace the lights and all was well in my home again.”

After that, the track lights in my kitchen gave out. They weren’t as easy to fix because the electrical panel wasn’t clearly labeled to indicate the power source. As a result, I had to play guess-and-check to determine which power source needed to be cut off. After consulting a professional electrician, I learned that there are instruments at home improvement stores that take the guesswork out of the whole ordeal, but I wasn’t really trying to spend money to purchase the apparatus. Once again, I called my father for help. Using our combined brainpower, we figured out how to replace the lights and all was well in my home again.

By far the biggest job that had to be done in my condo was fixing the toilet in my master bathroom. There was no way I could’ve done this job by myself, and my father was not skilled in this area at all. In fact, he was the one who encouraged me to call in the pros. While I could’ve used the second bathroom, it simply was an inconvenience I didn’t want to deal with. I dilly-dallied before finally shopping around for quotes because I really didn’t want to spend the hundreds of dollars I knew they were going to charge me. Plus, my condo was located in a more affluent community than my previous residences, so I suspected the price would soar simply because of my zip code.

Well, thank the Lord God in heaven for friends. After mentioning my issues to a friend, she volunteered her father services to help me out. To say that I was relieved would be an understatement; I was elated. And how much did it cost? Like $50 (or less). Her father was gracious and only required that I pay for the replacement parts. One Sunday after church, they came over for a few hours and resolved my bathroom issues. I couldn’t have been happier. When I asked her father how he learned to perform such a task, he told me he had grown frustrated shelling out money to have professionals come to his home to perform similar jobs. Being proactive, he watched them diligently and learned how to do his own household repairs. Fellow navigator, after my friend’s father completed the job, I never had issues with the toilet again. Score!

What’s the moral of the post? As a single woman, I came to the realization years ago that, despite what the world and TV shows tell us, life skills are not gender specific. Learning how to reconcile a bank account, do taxes, change a flat tire, switch out a dead light fixture, or replace a faulty toilet valve is not something only men can do. When you’re in a situation and don’t have the money (or want to pay the money) to fix something around the house, you have to decide if you’re willing to try to learn something new. Just so we’re clear, I would never voluntarily replace a bad carburetor or rewire a major light fixture. However, I’ve determined that I will do my best to learn how to do things around the house for my own personal edification; I will not wait around for a man to show up in my life and leave everything to him.

What about you, fellow navigator? If you live alone, what are some things around the house you’ve learned to do? Have you ever had to pay for a repair that you knew, if given training, you could’ve done on your own? Tell me about it!

Living Single While Quarantined

PSA: Please check on your single friends who live alone.

Several weeks ago, I got an email from a married friend asking if I was okay. It was weird because she almost never emails me. Her message said she was emailing because I hadn’t responded to her text messages; she was concerned. She sent the email because it was uncharacteristic of me to go days, much less more than a few hours, without responding to her texts. Knowing that I live by myself and because of all that’s been happening with COVID-19, she wanted to make sure nothing had happened.

Feeling so special!

Fellow navigator, can I tell you how much it warmed my heart to receive that email from her? I mean, I nearly cried reading her message. After about a week and some troubleshooting, we were able to begin receiving and sending texts. It turns out there was an issue with the phones/network where, for whatever reason, she didn’t receive my responses to her texts (only mine).

Living single while quarantined is not for the faint of heart. In fact, if you’re not used to being in your own company on a fairly regular basis, it can be darn-near depressing. I feel like I have it even worse because I’m also self-employed; I spend a lot of time in my apartment or by myself somewhere. When you’re married, you at least have another adult to communicate with about everything from the most mundane to the overly complex. There’s someone to bounce ideas off, and you can easily find things to do that allow you to decompress or forget that you’re essentially confined to one space indefinitely.

“In fact, if you’re not used to being in your own company on a fairly regular basis, it can be darn-near depressing.”

While this quarantined life wasn’t a huge adjustment for me, I’ve definitely had my share of struggles being home alone almost 24/7. Minus the once a week (if even that) grocery, mail, or trash run, I haven’t left my apartment in over a month. Although some leaders in Georgia have not taken this pandemic seriously, I shut almost everything down when they closed the schools. I live in a place where people don’t check in during normal conditions; I can’t dare count on them to so much as pick up a phone in the middle of this mess.

Yeah…

There’s no doubt that the number of cases of people struggling with mental health issues and depression will increase the longer quarantined life continues. I’m sad to even think about the number of suicidal attempts that will take place because people are lonely and uncertain how to survive their new normal. This is real, and we don’t want to assume people are alright until it’s too late.

Take it from me: there are many days when I’m not ok. My one constant is literally taking stock of my life and remembering how good God has been to me thus far. I lost about 85% of my income when this pandemic began; I honestly can’t tell you how I’m still living day-to-day. As the one who has contingencies for my contingencies, I did not see this pandemic hitting us as hard as it has. All I know is that I’m grateful for a father who helps when he can, past life experiences that have taught me how to survive with little, and a God who continues to provide opportunities for work.

“Take it from me: there are many days when I’m not ok.”

We’re deviating from the “not I” theme this week because this needs to be said. It takes less than five minutes to pick up a phone and actually talk with a single friend who lives alone, especially someone you don’t talk to regularly. Don’t send a text. Don’t shoot an email. Call. I’m the person who will give a generic response to a text if someone I don’t unusually talk to decides to “check on me.” If the person was really concerned, they’d pick up a phone. It’s as simple as that.

It’s that easy.

I’m grateful that my friend was resourceful enough to find another way of trying to reach me when texting and calling wasn’t working. It showed me that she was determined to reach me when one avenue failed. It told me she valued me enough to try until she was certain I was ok. It made me feel loved beyond measure. That’s what us singles need. There’s but so much a man can do. In these times, the knowledge that we matter is enough. Period.

Fellow navigator, have you been having some of the same feelings living this quarantined life? What are you doing to help pass the time and stay sane? Who has made you feel like you mattered recently?

Dear Navigator, Relationships are Hard.

Recently, in a series of exchanges with some people who have begun playing somewhat significant roles in my life, I found myself being consumed by their harsh words and criticisms. The barrage of what, from my perspective, seemed like unwarranted and unnecessary attacks sent me into a spiral of confusion, insecurity, and frustration.

Fellow navigator, if we were to ever meet in real life and become good friends, one of the first things I would tell you is that I strive to display consistency in my character. This is something that I began intentionally putting forth effort regarding because, growing up, my peers often made comments about how I wasn’t who they thought I was. I think back to one instance in school when a classmate told me (to my face) that she initially thought I was a total witch but was pleased to discover I wasn’t. Now, that’s the cleaned-up version of what she said. In short, because of how I presented myself, she thought I considered myself to be better than others.

Can I tell you a secret? This wasn’t the first time I had heard someone say I came off as being “holier than thou.” In fact, my entire life I’ve been misjudged by people. I don’t know what it is—honestly. Yes, I was very much devoted to academics and performing well in school. Yes, that meant focusing more on learning than being social. I wasn’t antisocial. I had friends and got along with lots of people.

It’s a bit of a stretch, but you get my point.

Nevertheless, this is something I’ve had to face head-on well into my adult years. I guess hearing these similar thoughts expressed now should come as no surprise to me. Well, it still does. I’ve learned to recognize my patterns, identify the root, and distance myself before I have a major case of word vomit.

It was as if some of the people I had allowed to begin getting close to me all banded together to do their worst over the past few weeks.

I mean, it was so overwhelming that I had to remove myself socially, take several steps back from those relationships, and spend time assessing the varying situations. This is something I’ve learned to do because, admittedly, I make unhealthy, irrational decisions when I don’t keep my emotions in check. I needed to see if there was a common thread in their accusations and comments. Was I in the wrong? Did I misrepresent myself? Was I giving off false signals? I needed answers.

Rather than blocking you, I need to process on my own.

Aware that my conscious decision to almost completely remove myself socially would cause alarm, I informed the ones I typically conversed with of the need for space. Uninterested in having to explain myself, I kept the message short and sweet (there was no need for details). It was difficult not speaking to them regularly because they had come to play such important roles in my life, but the space allowed me to see our relationships objectively.

In one case, I saw how our relationship had strengthened over a short period of time. While it was platonic, there were definitely areas that left room for mixed signals. Accusations were thrown around that left a bitter taste in my mouth. How can someone be jealous when they’ve never expressed interest in the first place? Suffice it to say, I needed time to assess if it was worth it to be in a relationship where I didn’t feel truly heard.

So many issues can be resolved when we listen better.

While reflecting on the second relationship, I saw how this friend was projecting feelings of insecurity and fear onto me. I hadn’t done anything wrong, but I was definitely the one receiving the brunt of this friend’s frustration. Because I understood where my friend was coming from, I was quickly able to recognize the projection for what it was. Nevertheless, having someone project his or her insecurities onto me is not something I enjoy enduring. There’s no judgment. Most of us have projected our feelings onto someone unfairly because we didn’t want to deal with what was going on in our emotional world.

Regardless of why we do it, it’s never fun for the person who has to endure our attacks. Because of this episode with my friend and the habits I saw forming, I needed to decide if this was a person I wanted in my life. It’s taken years for me to get to the point where I am mentally, emotionally, and psychologically. While my friend isn’t someone I would consider “toxic,” I began to recognize the patterns and saw that this relationship would require a lot out of me.

The third relationship was similar to the first. We spent time talking about things that mattered in life and became close fairly quickly. It was exciting having this person in my life because I was able to just be myself; there were no expectations. The problems began when promises were made but not kept. After the first time this happened, I let it go. The second time it occurred, I gave in to my emotions and erupted. Now, I have reached a point where I’m ready to give this person the gift of goodbye. Why? Because your word is bond. If a person can’t honor a simple promise to do something, how can they be trusted to come through in a life or death situation. I’ll pass!

I have too much self-respect!

Fellow navigator, I’ve spent the last few weeks trying to figure out if I want these people in my life. They’re not necessarily bad people, but I know my areas of struggle. Some of these relationships will push me to a point where I lose myself. Others, although trying, will allow me to grow into a better human being. However, the real question is determining which ones are worth keeping. I don’t want to run from conflict because it can make a relationship so much stronger, but I don’t want to be someone’s emotional dumpster, either. Honestly, the only thing I got from me mini-social retreat was that I shouldn’t rush a decision about two of the three relationships. We’re imperfect people who are at different places in our lives and levels of self-awareness. While I consider myself to be pretty self-aware, my personality may be too much for those who have yet to embark on that journey.

Have you found yourself in a position where you had to assess the relationships around you? Maybe they weren’t necessarily bad, but you felt underappreciated or like someone was always projecting their emotions onto you? Tell me about it! In the process of writing your story, I hope you experience the catharsis that comes with release.

Ready or Not: Can You Pay My Bills?

“The lack of education can keep those from marginalized communities in perpetual cycles of debt.”

You don’t need to be single to learn basic life skills every adult should know. However, being single means juggling responsibilities that married folks tend to split between each other. How often do you feel like you’re responsible for remembering to do everything? Wouldn’t it be nice to have some help?

I ask myself these questions all the time as I learn to navigate the world of adulting solo. Thankfully, my father was always just a phone call away. If I ever needed guidance about something, he is my go-to person.

Nevertheless, there are definitely aspects of growing up that are not one-size-fits-all. Let’s take paying bills. Financial literacy is not often taught in schools. The lack of education can keep those from marginalized communities in perpetual cycles of debt. While I am not a financial coach, I would like to offer some tips I’ve learned for myself and from the varying journeys of those in my community. Although the names have been changed to protect their privacy, the stories remain the same. There are several approaches you can take, depending on your personality and lifestyle preference.

Managing my money!

“To help bring order to her life, Rosalind contacted her various service providers to sign up for automatic bill pay.”

Rosalind knows she is not the most organized person on the planet. She sets reminders for her reminders so that she doesn’t forget to do things. After being assessed late fee after late fee for missed utility bill and car note payments, she finally decided to do something about her obvious challenges. The problem wasn’t that Rosalind didn’t have enough money in the bank to pay for these services—no, she was just terrible at remembering the due dates for her monthly financial obligations. To help bring order to her life, Rosalind contacted her various service providers to sign up for automatic bill pay. Rosalind gave her banking information and authorization to the different companies so that they could debit her charges without her ever having to worry about another missed payment. After a few months of being on automatic bill pay, Rosalind noticed that the collection calls stopped, she no longer received late fees, and her credit score began to rise. It was as simple as that.

Making it rain!

Alyssa is crushing the adulting game. She knows what she wants, how to get it, and never let’s anyone stop her from pursuing her dreams. She prides herself on being punctual, organized, and competent. When it comes to paying her bills, she has a system that has yet to fail her. On the 15th and 27th of each month, Alyssa sits down to pay her bills. On the 15th, she pays the expenses due before the end of the month, like her car insurance. Then, on the 27th, she pays her bills for the upcoming month, like her rent. Alyssa never wants to be caught off guard by a surprise bill, so she does this to minimize that possibility. Her payment schedule also allows her to establish a reputation with her creditors. If ever on the off chance she misses a bill, she knows they will be more gracious because they can see how methodical her payment history has been. That way, they would offer to waive any penalties or fees without her even asking.

Nice, organized manner

I would say my bill pay method borrows bits and pieces from Rosalind and Alyssa. Like Rosalind, I use automatic bill pay for some monthly expenses. To maximize on certain savings discounts, I set my student loan repayment as automatic withdrawals through one financial institution. I also have my car insurance and sponsored child payment automatically withdrawn because those costs are fixed and always available in the account they are linked to. Much like Alyssa, I take time to list all my expenses for the month and cross them off as they are paid. I’m not comfortable having larger transactions, like my car payment, automatically debited from my bank account. I would rather go into the payment portals and manually make those payments myself.

What about you? Do you find that you prefer paying your bills yourself? Or are you the type of person who prefers to have an app or program that pays your bills for you through automatic withdrawals? If you belong to the former group, what is your system? If you’re part of the latter group, what apps can you recommend? Share your wisdom with our community!

Not I: Man Hater?

One thing I’ve never understood is why people make the assumption that a woman who chooses to live her best single life hates men. Let’s get something straight: I am not a man hater. Men are great! They provide emotional stability and rational thinking when my hormones go crazy. They offer a different perspective concerning situations that I never in a million years would have considered. For these reasons (and more), I value the role of men in my life.

Just because I make the conscious decision not to enter into a relationship doesn’t mean I’m a man hater. I hate when people make this assumption because they peg me as someone I’m not. My choice to remain single doesn’t stem from a dislike of men; it’s because I don’t want to repeat past mistakes.

It happens…

Speaking to both sides of the divide, I think there needs to be some understanding. We never know another person’s story when it comes to relationships and past experiences. To assume I hate men because I’m not ready to walk down the aisle is a faux pas. I could have been abused, manipulated, or mistreated in other ways by a man. Believe me, the hurt and pain that that suffering awakens takes time to get over.

“Let’s get something straight: I am not a man hater.”

To the men, I ask you to be patient and kind. A woman with her guard up probably has stories upon stories to tell of when she allowed someone in and had her trust broken. I wish I could tell men that their willingness to walk alongside a woman through her pain and mess would do far more good than simply getting frustrated and giving up the chase.

To the women, I would tell you that not all men are the same. After coming out of a bad relationship, we often question our own judgment, find ourselves in the same predicament with a man who’s just as bad because we believe that’s the best we can do, or swear off men altogether. While it’s easy to remain guarded and expect a man to fight to show he really wants us, I’d say that path leads to even more pain. We can’t put everything on a man. Our healing doesn’t come from any one human being; it comes from God.

“Believe me, the hurt and pain that that suffering awakens takes time to get over.”

Before getting involved in a new relationship, I am a firm advocate of us taking time for serious introspection to learn about ourselves. Ask yourself some vital questions that will bring much clarity and allow you to honestly get to know yourself.

  • What about this man made him so attracted to you?
  • When were you happiest in the relationship?
  • What aspects of his character gave you cause to pause?
  • How many times did he offer genuine support?
  • How often did his words pierce you?
  • After the first incident, why didn’t you walk away?
  • Who did you go to for counsel about this man?
  • Was that confidant in a position to give you healthy relationship advice?
  • At any point, did you ever pray and ask God if He was pleased with the union?
  • Did you witness the fruit of this man’s relationship with God before dating?
  • How did you view your worth before dating this man?
  • How did you view your worth after the relationship ended?

That was a lot! Introspection is not a one-size-fits-all process. We all take in and analyze information differently. I think there’s great truth when they say we date the same men with different names. All I’m offering, fellow navigator, are some great starters to get you to begin noticing your patterns.

“Our healing doesn’t come from any one human being; it comes from God.”

Because of our environments growing up, family dynamics, and other factors, I believe we continue vicious cycles when we choose to go it alone. The beauty of our faith in God is that He never leaves us. Even when those around us fail to come through, our Father in heaven is always there.

Always.

Fellow navigator, don’t allow past hurts to keep you from future promises. We’re not men haters. We’re not bound by the pain of people who used and abused us. We are strong, brilliant, caring women who have much to offer the world. We grow from our less-than-stellar situations and move one step closer to being who God created us to be.

Have you ever been accused of being a man hater because of the stance you’ve taken when it comes to dating relationships? What have you learned about yourself regarding romantic relationships? I’d love to hear your story!

Dear Navigator, Can I Write My Own Love Story?

I secretly wish we were able to create the situations and circumstances surrounding when, where, and how we meet “the one.” I mean, after 30 years of being with myself, I have a pretty good idea of what I want and need in a significant other. Right? Probably not.

I think it’s safe to say that I’ve learned to identify the personalities that don’t mesh with mine. It’s true that some people just won’t ever get along, no matter how hard each party tries. Why? Because there are things about us that will never change.

With me, I know that I can only go so many days without working or doing something productive. My father recently reminded me of this during one of our conversations. Apparently, I had been complaining about how tired and inundated with work I was not too long ago. Now, with countries around the world combating the spread of coronavirus, my work has reduced significantly. As such, I have unexpectedly received much needed time to relax and recuperate.

Now, most people would probably welcome the break with arms wide open, right? Right! Not me. I mean, I spent the first 2-3 days in my home enjoying my own company and doing absolutely nothing. However, it’s now day six; I’m sick of not working.

When you love what you do…

What was the point of that tangent? Simply to say that, no matter how hard I try to change certain aspects of my character and personality, I know who I am and the things about myself that remain the same. With that, as much as I’d love to write my own love story, I really don’t have a firm handle on love and relationships to be able to do it well.

If things were left up to me, I would meet my future spouse while travelling abroad somewhere. I’d be carrying on with my schedule for that day, going from one client appointment to another. In a brief moment of providence, he’d see me walking briskly through the crowd and everything in his world would stop. By happenstance, he’d find out that we had some mutual acquaintances in the city and ask them to introduce us. When we met for the first time, I wouldn’t be particularly impressed and wouldn’t want to know him as anything more than a friend. After some time getting to know each other, he’d finally take the plunge and divulge his true feelings. (Naturally, by this time, I would’ve already developed feelings for him.) From that moment on, our relationship would shift to being more intentional to see if we are God’s best for each other.

Nothing but laughs

Alas, this is but a dream. Back to reality, I continue living my life. I don’t spend much time fanatisizing about this mystery man and how we’ll meet. No, thoughts of him only awaken in moments when I need to remind myself that he is out there somewhere waiting for me. Although I long to be a wife and mother, I don’t know if I’d want to write my love story. There’s beauty in the mystery of not knowing how things will unfold.

What if he and I have already met? What if we totally missed each other years ago because neither of us were ready? What if the next time we meet there’ll be fireworks, a string orchestra, and the works? I like not knowing because I’m not living for a particular moment or waiting for a specific sign.

Facts.

Fellow Navigator, there is great temptation in wanting to write your love story and know exactly when the love of your life is going to show up. Is this something you struggle with? Do you find yourself anxiously wanting to know when it’s going to happen? Tell me about it!

Ready or Not: Money Management Matters – Exercising Caution

Debt. The four-letter word that seems to have many of us bound in a never-ending cycle of monthly payments and interest accumulation. You may find yourself in debt because you needed to pay for one (or multiple) college degrees or certification programs to obtain a more lucrative financial and career opportunity. Another possibility is that debt came crashing at your door when your car suddenly broke down, a loved one without health insurance unexpectedly fell ill, or credit cards became your best friends because overnight your expenses were more than the money you were bringing home.

Whatever the reason, fellow navigator, I’m sure you can relate to the overwhelming feeling of being in debt. While this is a situation a host of us may find ourselves in, we don’t have to stay in that place. There are a plethora of debt management programs and financial advising companies out there that can assist in sorting out money issues. Fellow navigator, wisdom says to exercise a great amount of caution before using one of these programs or services. When it comes to money management, a company or individual’s credibility and reputation should be vetted and held in the highest regard. If you have even a slight suspicion that the business or representative is not being completely forthright about products, services, or processes, you have every right to walk away.

Something’s not right here

It seems this is something we don’t talk about enough, so I’m going to bring it up here. There are a lot of scammers out there; people have no problem taking your money because you failed to do your due diligence. What does “due diligence” look like? It’s verifying the company or individual’s information through various means. No, due diligence is not just making sure the Facebook, Twitter, and Instagram pages are up and running. No, it is not only about going to the website and seeing how visually appealing it is. Due diligence involves reading customer reviews across multiple platforms. The business may have reviews on the company website, but you take it a step further to see if there are reviews or comments about services on their social media pages as well. Platforms like Google, Yelp, and the Better Business Bureau (BBB) also allow you to read what others have to say about their experience with a company.

After you’ve found the review pages, what should you do? Read what others have to say. If I see a company with mostly five stars, I almost always immediately bypass the high reviews to read the one and two-star ratings. Check to see if there’s a common theme regarding the justification for others giving such low reviews. If nearly every one or two-star rating has to do with the company’s employees providing poor customer service, that is something you should not take lightly. A financial advising company is run by people telling you how best to manage your money. If those individuals are unable to deliver good customer service, I’d think twice about allowing them anywhere near my money.

Taking my money anywhere but here

Due diligence also involves finding out about the company’s specific products, services, and processes, then comparing them to their competitors. I don’t think we do this enough. Maybe it requires more time than we’re willing to put in? Whatever the reason, we must do better in this area. Money management companies are vying for your business. Some offer better packages than others because they understand that they have to make themselves stand out in order to make you their customer. It is your right to tell one company that you want to shop around to see if you can find value elsewhere.

Now, finding value is not always about getting the lowest quote. (Remember, you get what you pay for.) If three out of four businesses charge roughly $1,000 for a service and you find one that only costs $400, don’t do it. That $600 discrepancy could be due to a lack of experience, expertise, or just flat-out incompetence. We don’t always have to learn the hard way (by having our hard-earned money stolen from us) that being able to research market value for a service or product is an asset. If you don’t have the funds to pay the going rate, it may be best to wait and minimize the chances of being cheated.

Too many times we, as women, are scammed and conned by people when it comes to money management matters because our ignorance gets the best of us. Ignorance is not about our intellectual level; it’s about information we don’t know. At the end of the day, information is the best commodity. The most effective way for us to become more financially savvy is by educating ourselves about these debt management companies before spending a dime.

Did you like the post? Is money management something you want to discuss further? Let’s keep the conversation going! What have you learned by practicing due diligence? Leave your comments below!

Not I: Thinking of Settling?

There’s something to be said for being a single woman in her 30’s in 2020. Unlike some little girls, I didn’t spend too much time fantasizing about a dream wedding or fairytale life with a husband, house, and picket fence. In my younger years, I just assumed marriage would find its way to me during college or immediately after. I watched the romcoms about how two random strangers met in the most unexpected way, fell in love, then walked down the aisle shortly after their chance encounter. It happened in the movies; I knew that was the kind of story I wanted.

“It wasn’t until marriage took away one of us that we picked our heads up out our books to see the world had continued spinning.”

It was easy to continue living while waiting for the man of my dreams to magically appear. After all, I wasn’t the only single person in my social circle in those days. In fact, my single female friends and I felt empowered to continue pursuing our individual dreams because we had each other to count on for motivation and encouragement. It wasn’t until marriage took away one of us that we picked our heads up out our books to see the world had continued spinning. I don’t intend to make marriage sound like a grim ending to an otherwise happy life. No. Instead, I use those words because, as we later learned, that particular friend’s marriage ended up robbing her of years she can never get back.

Learning from mistakes.

My dear friend said “I do” to a man, who cheated on her even before they were married, out of a sense of duty to family members. The entire trajectory of her life changed the day she married a man who never cared about her dreams, goals, or aspirations. I wish I could go back and scream even louder in my friend’s ear about the visible red flags of her then boyfriend. I wish I would have been strong enough to tell her that her family got it wrong, even at the risk of losing our friendship. Sadly, I didn’t.

My friend’s marriage ended not too long after it started, and she is now a single mom struggling to make ends meet. The young, vibrant college grad with a world of possibilities in front of her now has a new reality filled with studying late at night, taking care of her child, and working several jobs to put food on the table and keep the lights on. If this is your reality, dear navigator, I don’t mean to condemn. Life’s circumstances often place us in positions where we are helpless or feel as though we are. I commend my friend for doing what she needs to do for her family. I applaud her for continuing down her path to obtaining higher education in the face of adversity.

When I think about settling for the next man who rolls up in a Jaguar wearing a three-piece suit and uttering sweet nothings, I think of my friend. The unraveling of her marriage was inevitable. Those of us in her social circle knew he didn’t appreciate or deserve her. She valued education. He cared about looking like he was a million bucks. She enjoyed going out to social gatherings filled with art and culture. His idea of a good time was going to the club or drinking. She dreamed of traveling to foreign lands and speaking other languages. He was perfectly fine staying in his little corner of the world until the day he died (with occasional trips to the land of his ancestors). I didn’t realize it then, but I see now that my friend settled big time for this man. She cast her plans aside to be with him, and it ended up being a terrible decision.

“Those of us in her social circle knew he didn’t appreciate or deserve her.”

What does “settling” look like? It can take on different forms for each of us. For me, it’s choosing to be with someone who doesn’t love children. It’s saying “I do” to a man who would rather sit in front of a TV all day than spend quality time with his wife and children. For me, “settling” is picking a man who has no interest in other languages, cultures, or people.

Not settling.

Think about the things that matter the most to you. Now, think about the complete opposite of those things. When you entertain a potential partner who is the absolute opposite of all that matters most to you in the world, you’re settling. Don’t get me wrong, there is such a thing as compromise. That’s when you and your partner meet halfway or intentionally makes sacrifices for the other. I don’t care for American football. However, if the man I wanted to marry was a diehard football fan who wanted to share his passion with me, I’d suck it up and sit with him to watch a few games. This is true compromise.

If truth be told, I’ve thought about throwing in the towel and dating just any man. However, I just can’t get myself to do it. Fellow navigator, if there are attributes and things you truly desire in your spouse, don’t give up on meeting someone with them. I am a firm believer that God really does give us the desires of our hearts. He’s done it for so many before us, so we must trust that He can do it for us.

If you’ve considered settling, what prevented you from going through with it? If you did settle, what did you learn about yourself from the experience? Share your thoughts with our community!

Dear Navigator, I’m Not Who He Really Wants

It’s taken me quite some time to realize that Christian men are capable of putting up fronts and playing the game when it comes to relationships. Growing up in the church, we’ve all subconsciously mastered the lingo, dress, and behavioral patterns that can fool anyone. We know when to shout, how long to praise break, and what to say to sound uber spiritual. The problem, I think, is that we’ve gotten so good at these social cues that we’ve thrown sincerity and honesty out the window.

If this sounds like a harsh critique, it’s because it is. There’s a phenomenon happening with men in the church where they say they want a godly woman, yet they pursue everyone but the woman they claim to desire. Let’s be clear: I am speaking from my experience. These are statements made based on those I know and see. This may not apply to everyone. However, we cannot pretend that this doesn’t happen in the church; it does.

Here’s a classic example. A man who is extremely vocal about his faith (otherwise labeled “sold out” or “on fire for God”) makes it widely known that he desires a woman who is a prayer warrior, saved, sanctified, and filled with the Holy Ghost. This woman needs to love God more than she loves herself and be willing to enter the ministry because that is where he’s headed. Does he sound familiar? Do you know this kind of man? Read on.

Preach, pastor-in-training

One day, you notice this man’s demeanor has changed. He’s not as vocal about the qualities he seeks in a wife, and he’s most definitely not singing the same tune about wanting an ultra-virtuous woman. Instead, his thinking comes across as being more liberal. He has become open to the idea of being with someone who is seemingly striving to be a good, God-fearing woman. Suddenly, it’s okay if she has flaws and imperfections because only Jesus is perfect.

After some time of setting the stage, this same man begins bringing around a “friend” and introducing her to people in the church. He speaks of her desire to know God more and how she’s really digging deep into her Word. You’re no fool; you know what it is. This woman being presented to you is the one this man desires. He switched up because he sought the freedom to pursue her without judgment because she is not the kind of woman he preached about wanting for so long.

The man from this elaborate example doesn’t exist. He does, but he’s not one particular man. The bigger message is that good men in the church are becoming few and far in between. As a result, just like in the world, men in the church have the ability to say and do almost anything they want when it comes to relationships. They can preach about wanting Rachel, Mary, or Esther. When it comes down to it, though, they switch up and pursue Bathsheba, Jezebel, or Delilah.

Jennifer, Lisa, Anna, Maricel, Marissa, etc.

There is absolutely nothing wrong with a man pursuing a woman because he finds her attractive. In fact, physical attraction is one of the fundamental basics of any relationship. There is a problem with men going on and on about how they want meek, humble, and godly women when they turn around and date individuals who are the complete opposite.

He wants to have his cake and eat it.

I’m not a hater. We (the church) need to openly call Christian men out on their hypocrisy. As a Christian woman, if I began dating a “good” man who wasn’t in the church, people would have something to say about me left and right. But if a man chooses to date a woman who wasn’t active in the church community, those same people are silent.

Here’s my message to men in the church. Men, if you prefer a certain type of woman who is not me, that is okay. However, keep the touting about your so-called “wholesome, God-fearing woman” to a minimum because I’m not really who you want.

What do you think, Navigator? I am overthinking? Share your thoughts in the comments!