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6 Tips for Getting Your Adult Financial Life Together 10/20/2016

Whether this is the last year you will be able to call college home or you have been in the working world for a couple of years, it’s never a bad time to start financially planning for what most will call “the real world”. For many, this is a big step and can be very overwhelming, but it doesn’t have to be. If you take a deep breath and break down your financial life into small chunks, then getting your financial life together will seem easy and manageable. Follow these six steps to get on the right track. 

1. Establish financial goals.

As the saying goes: “If you fail to plan then you are planning to fail.” As cliché as that may sound, it is important to realize that the first step of establishing your financial goals is the most important step to take—especially when attempting to get your financial life together after college. 

Start by separating your goals into three buckets: short-term goals (between 0-3 years), mid-term goals (between 3-7 years) and long-term goals (7+ years). Once you have identified which goals fall under each category, map out a plan of action that will help you achieve each financial goal within the given timeframe. It is also a good idea to make each goal a S.M.A.R.T. goal—Not SMART as in intelligent but S.M.A.R.T. as in Specific, Measurable, Achievable, Realistic, and Timely. This will help you organize your financial goals into bite size chunks that are digestible and doable. 

2. Build an emergency fund.

Building an emergency fund is one of those necessities you don’t realize you need until you need it. It’s sort of like car insurance; you drive your car every day with the hope that you never get into an accident, but if ever you do, you need a system in place that will help! 

An emergency fund is just that—preparation for the unexpected that will make you whole again. Emergencies can be the loss of a job, significant medical expenses, home or auto repairs, or any other situations that disrupts the flow of your life. An emergency fund should be between three and six months worth of your monthly expenses. This figure gives you enough lead-time to get back on your feet if needed.

Start small by saving at least 10% of your income with a goal of saving one month of expenses. Once you you do, increase your goal to two months and so forth. But remember, you must pay yourself first! This means that before you pay your bills, buy groceries, or anything else vital before setting aside a portion of your income to save. In essence, the first bill you should be paying each month is to YOU!

3. Create a monthly spending plan.

Now that you know your financial goals are and have a process in place that will help you build your emergency fund, it is time to create a monthly spending plan. This will help dictate where your money should go.

To begin, separate your needs from wants. Your needs can be fixed expenses: rent, utilities, food, clothing, transportation, taxes, health care, childcare, and (possible) home repairs. Wants can include entertainment, cable, Internet service, magazine subscriptions, eating out, hobbies, and cell phone bills. Once you identify your expenses, start by paying yourself first (as discussed in step 2), then create a system where you are paying all of your needs/expenses in a timely manner. Make them automatic if you can. Your wants should be included in your budget, but make sure you are keeping track of everything you spend to assure you are not veering from your plan. 

4. Start banking on your future.

Banking and the future have more in common than people know. Whether it’s starting up a savings account or contributing to your employer’s retirement plan, an individual retirement account, or stocks and bonds, where you put your money and how you allow it to work for you will help you get your financial life in order.

You must start by choosing the right bank—ideally not a bank that will bombard you with unnecessary fees, but a bank that cares about your bottom line, is convenient, and can help empower you financially. Interest rates should be competitive and you should have a wide network of ATMs available for free. Your online transactions should be secure and you shouldn’t have to worry about a minimum balance.

5. Stay on top of student loan obligations.

“I love student loans,” said no one ever! Regardless of how much you despise your student loans, it is imperative you stay on top of them to avoid getting into financial trouble. Student loans can really have a negative effect on your financial life if you don’t manage them properly—not only will they affect your credit by showing up as a derogatory account on your credit report, but in some cases your paycheck can be garnished and bank account levied.

Make sure you are, at least, paying the minimums. If your current financial situation doesn’t permit this, speak to your lender about a deferment or forbearance so your loans stay in good standing. 

6.  Use credit wisely.

Lastly, using credit wisely will only help your financial situation. Good credit can help you rent an apartment or buy a home. It can allow you to finance a car, save money on insurance, or even help get a job (in some states employers check credit before making job offers).

The first step in using credit wisely is to understand that credit is not free money and should not be used for everyday purchases. It should be used for emergencies. Also, it is important to check your credit report at least once a year to make sure what is on your credit report is accurate. Visit www.AnnualCreditReport.com for your free credit report from all three credit bureaus (Transunion, Experian, and Exquifax).

Graduating college may signify an end to your collegiate era and the beginning of “the real world,” and this beginning shouldn’t be daunting. Implement these steps and you will see that the real world can be fun and enjoyable, especially when you manage your financial life well too! 

Written by: Luvleen Sidhu for the Every Girl

With edits by WhatRUWearing.


WhatRUWearing for NYE?!? Come hang with us tonight, drink & figure it out! 10/18/2016


Courtesy Picture (Rent the Runway)

For fashionistas like us who love their Badly Mischka’s, DVF’s, Slate & Willow’s, and Carmen Marc Valvo’s, Rent The Runway is like your fairy god mother to your cinderella. Where else can you get a $1000 dress for less than $50? Attending events on a budget and in high end style has never been more affordable and accessable. A fashion buisiness built off of metrics, Rent The Runway knows that when it comes to planning what you’re wearing for NYE, you can never plan too early. That’s why we’ve teamed up with Chicago’s Rent The Runway Boutique and the Renee Feldman Salon so that you can start 2017 with style to the Gods. After all, what’s a pretty dress without a whipped head of hair and a beautiful face? At our intimate event tonight, you will be able to book RTR rentals for 20% off and get pro undo services for free and an appointment for top of the line, $400 hair extensions that you can actually rent for only $150! Since we’ll be trying on our favorite looks for NYE at Chicago’s flagship Rent The Runway Botutique with Renee Feldman’s stylists tonight, we couldn’t help but obsessivly round up a few of our favorites! Make sure to come see us tonight from 6p-8p at 710 N Wabash. RSVP@WhatRUWearing.com to make sure we save you some bubbly! Continue reading “WhatRUWearing for NYE?!? Come hang with us tonight, drink & figure it out!”


Behind the scenes with WhatRUWearing: 03- Jacki Debb, Fashion Stylist & Founder of Jax & Debb Boutique 10/13/2016

“I have a dream, I have a vision and I power through”. – Jacki Debb

A few weeks ago, we had the pleasure of meeting for the first time and sitting down with Jacki Debb, the founder of the Wicker Park unisex clothing boutique, Jax & Debb. She dished all about her retail days at Men’s Akira and how her and her partners had the idea to start the boutique and actually made it a reality. More importantly, when the mics were off and we were chillin’ in the studio, we chopped it up about family jewelry, our favorite things about this fall weather and Kanye’s fashion line. Here’s a hint, Jacki won’t be ordering any for her boutique. And if you haven’t already listened to her Fast Fashion: The Podcast Experience from WhatRUWearing episode, make sure to go check that out next.



Get the Look for Less “Pussy Bow” Blouse Edition 10/12/2016



We couldn’t resist doing a “look for less” based off of Melania Trump’s “Pussybow” blouse mishap. The leaked video, in which Donald Trump brags about being able to “do anything to women,” including “grabbing them by the pussy” was treated with much outrage by oponent Hilary Clinton and the public. Even his wife Melania called his remarks “unaccepbable and offensive” according to an article by The Washington Post. Here at WhatRUWearing, we also agree that the entire country, male or female, should be outraged by the fact that a man who talks and believes the way he does, is this close to running our country.

One thing we can get down with is the quickness of the twitter-verse! Twitter users soon started pointing out the irony of his wife’s wardrobe choice since the very blouse Melania wore to the second debate was in fact named a “pussybow.” While the twittersphere was speculating if  Melania trump is a double agent spy or silently taking a defiant stance, we decided to pull together some of our favorite, affordable “pussybow” tops.

Continue reading “Get the Look for Less “Pussy Bow” Blouse Edition”


The WRUW Girl’s Guide to Moody Monday’s: 08 ( Working from Home) 10/10/2016


Photo Courtesy Of: Best Friends For Frosting

We would all like to belive that we can look just as relxed and picturesque as the girl above when working from home. Just because you do not work a 9-5 desk job doesn’t mean that the struggle isn’t real. Mondays can be just as grueling and moody even if you do have the luxury of not having to deal with a morning commute. The realization that the case of the Mondays can still affect your entrepreneurial sprits is a reality that doesn’t seem fair. After all, you made it! Not only are you following your dream but you’re not chained to a desk while doing so. Here are our five Moody Monday suggestions to help you get through your day if you work from home.

Continue reading “The WRUW Girl’s Guide to Moody Monday’s: 08 ( Working from Home)”


5 Makeup Products That Should Never Leave Your Bag 10/07/2016

Photo Courtesy of Megan Mcintyre/Beauty Banter

Which beauty products do you have in your bag? On a Monday morning, it’s typical for me to just grab whatever I can get my hands on. Whether I’m cursing myself by midday or cheering that I remembered everything I need depends on what I grab. These are the makeup products every girl needs in her bag. Continue reading “5 Makeup Products That Should Never Leave Your Bag”


The Look For Less: London Fashion Week Street Style 10/06/2016

Photo Courtesy of The Huffington Post

“No pain, no gain” is a popular saying that has been thrown around as one the fashion world’s encompassing, yet unspoken, golden rules. And this fashion month has proven no different. However, with the welcoming of the spring season and “new year”, it seems as though many Fashion Week street style attendees are challenging that rule head on. Keep reading to get a refresher on London Fashion Week, gain advice on how to get noticed by photographers and a quick guide on how to achieve LFW street style looks for less!

Continue reading “The Look For Less: London Fashion Week Street Style”


The WRUW Girl’s Guide to Rainy Day Style 10/05/2016


The weather in Chicago has been quite dreary as of late, but that doesn’t mean that your style has to be! Although rainy weather tends to provide an excuse for throwing on your comfiest outfit and putting an athleisure twist on it, rainy days can also serve as a great excuse to try out more eccentric styles that one might normally shy away from. A formula of sorts comes to our minds when we think of perfecting our indoor and outdoor style on these rainy days. 

Continue reading “The WRUW Girl’s Guide to Rainy Day Style”


38 Costume Ideas to Inspire Your Halloween Weekend 10/04/2016

Photo Courtesy of Paramount Pictures

Happy (almost) Halloween, witches! Whether you’ve always dreamed of being a Disney princess, recreating iconic Spice Girls and Gossip Girl looks with your besties or channeling your inner it-girl a la Lady Gaga, Paris Hilton and Nicole Richie, Barbie and Beyonce, we’ve found fabulous examples for a number of costume ideas. No matter if you’re flying solo, with bae or in a group, there are cheap and easy costume ideas for everyone, regardless of your personal Halloween style. So get creative, light that pumpkin spice scented candle and dedicate your Saturday to getting it all together. These costume ideas are creative, stylish and easy to recreate.  Continue reading “38 Costume Ideas to Inspire Your Halloween Weekend”


The WRUW Girl’s Guide to Moody Monday’s: 07 (Dark as Your Soul) 10/03/2016


Okay, so we’ll admit that the past few Moody Mondays, while quite moody, have been on the brighter side of things. With the weather finally taking a turn to the dark side we are too. We’ll gladly exchange our bright and airy colors for more muted tones this Fall. This moody Monday has us going to the dark side and we’re more than happy to oblige your extra dark and moody souls with the five things you might want today all of October.

Continue reading “The WRUW Girl’s Guide to Moody Monday’s: 07 (Dark as Your Soul)”

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