Where’s your credit card? You know, the one with the ridiculous interest rate that you barely pay the monthly minimum one on? Yeah, that one. How about using this time

not to shop with it, but to pay it off!

If you can’t handle the entire bill, at least put some of the money you were going to spend on a new

pair of boots to pay down the card. Then promise yourself that you will pay at least $25 above the monthly bill---and that you’re not going to charge anything else on

it---until it’s totally paid off. A woman who ain’t in debt is a woman who is far less stressed.

We dig the cut and the color, so that’s why we went with this pic. No one is saying you have to be this drastic, but do consider switching your

look up some. If not your hair, get a new lipstick and nail polish color. Or consult with a stylish about affordable ways you can update your wardrobe for work. 

Now is

as good of a time as any to get out of your fashion routine (or is it more like a rut?!) and try something new.

Release. Recycle. Repurpose. Every season, this is something that you should do with your clothing. According to a lot of professional stylists, if you haven’t worn something in over a

year, that’s a clear sign that it’s time to let it go. Don’t throw it away, though. Give it away to someone in need. Donate it to a local thrift

store or Goodwill. Maybe turn it into something else (click here for how to change your tatted jeans into a skirt).

Don’t fall into the rut of saving 10 sweaters

“just in case” when all they’re really doing is taking up space for five years.

Speaking of recycling, we get that this is the time of year when a lot of people think about getting back with their ex. For that, we’ll simply share the

title of an article we recently read: “Breakup Science Says You Should Never, Ever, Ever Get Back Together”. Sorry to break that to you.

You could say that calling it

quits around the holidays is a bad idea, but really it's just bad timing. More times than not it needed to end, and time is precious. You’re never going to get it

back.

So, before sending him a DM or answering is booty calls (Girl, if he calls you over Christmas after 11pm, that’s exactly what it is!), think about if you want

to open up old wounds, only to carry them over into the new year. Especially when there’s so many men in the world to create new---and probably better---memories with.

Have you been quietly wondering to yourself if your friends are toxic? Ask yourself the following questions. Do they constantly criticize you? Do they tell others your business? Do you feel

like they are in competition (i.e., they are jealous of you)? Do they only want to talk if there’s gossip involved? Do you only hear from them if they need

(which is usually more of a want) something? Are they selfish and moody? Or are they suddenly available when you need a shoulder and some support?

Does any of this sound

vaguely familiar?! Sweetheart, these kinds of people are NOT your friends. Have a hard talk with yourself about this and then make the decision to either set some firm boundaries, or

bring the relationship to a close. If you’re not sure how to do the latter, click here for some tips.

We LOVE vision boards! Everything about them! Studies show that putting a goal down significantly increases your chances are reaching it, and what better way to do that than with

a colorful collage? You can create one with your cell phone, but we like the old-fashioned way so much more.

Click here for tips on how you can make one

to hang up in your bedroom, so that you can DREAM BIG in 2017!