Ciera Rogers

Ciera Rogers, owner of Babes and Felines, is a known Internet star with over 1.1 million followers on Instagram. As a fashion designer from Houston, Texas that resides in Los Angeles, Rogers started her business in response to her own frustration with the lack of figure-hugging items for curvy, womanly fashionistas. Her business, Babes and Felines is a wildly successful online clothing company that's bordering on a body-acceptance movement

Money.. Schmoney... Dolla Dolla Bills Yall ..

I grew up pretty poor. Like me, my mom and my sister "living in a car" poor.. So the minute I got some money I vowed to never ever go back. Me and my sister have been able to support our family for years now because of the way we save and stack up our money. If you're my friend, you know how much emphasis I put on stacking your coins and saving $$ for your future. I preach it everyday so I want to share some tips with you guys.

NUMBER ONE "NO NO" (paycheck to paycheck) 

Did you know that 49% of Americans are living paycheck to paycheck? This is something I've never ever done. Even when I got my first little job, I lived way below my means and I still do now. I think its important to do, so you have room to save or even room for emergencies. If you find that you are in this position, start writing out all your expenses to see where your money is going. When I did this, I found the main culprits. ( Nails, Eating Out, Starbucks, Hair and Service Subscriptions I didn't even use)! Now we all know a Starbucks drink is only 3-6 dollars but you have to be aware that these things add up. I was spending about $300-400 a month on things that were not necessities in my life. When I cut back by cancelling unused subscriptions,  doing my own nails, hair and only eating out once a month.. I saw a huge change. Get started by writing a list of what you spend. You'd be surprised on where your coins are all going :)

WOMEN AND MONEY

If I could preach to all the little girls out there. I'd say. GET YOUR MONEY UP. Don't worry about guys with money because that's HIS. What do YOU have to offer? I see too many woman focusing on making it with a guy that's well off, rather than focusing on getting their own shit together.  There are too many cases where women are dependent on a man's income. That's bullshit. Girl get yours. 

There are so many ways to make income these days. Im in e-commerce. You can work from home selling anything you want. All it takes is research and drive. Master a skill and go for it. Get your money :)

ENTREPRENEURS AND THEIR LITTLE SECRETS..

When you get into really making schmoney.. you need to start your research on how to keep it and most importantly, how to grow it. From tax breaks to investments, there are so many ways of keeping your money safe and growing it. For example, every entrepreneur should look into getting an SEP IRA. This is a retirement account for people like us. Because we do not have typical jobs setting this up for us, we have to do it ourselves. But, the good news is that this is a totally tax deductible. The means.. You can take that amount of whatever you owe to Uncle Sam. 

In addition to the IRA, If you work for yourself, you're going to need a Business Account and credit card.. This is crucial because you can literally write the majority of what you do off. Home office? Cool. A portion of your rent is a write off. Phone Bill? Car Lease? Dinner "meetings"? Everything business related should go through that account. These are all major in saving you money at the end of the tax year. 

NO TOUCHY TOUCHY 

Every person should have an account they don't touch. You should put a portion of your income in there every month and leave it there. Build it all the way up. If you can only give $10 a month to it, thats cool. Do it. Build it. It's important and it should be your main habit.

When I moved to LA, I had about $300 to my name. After I got a little job, I starting saving. I put in what I could when I could. I had a little agreement with myself. "Ciera, every time you make $100, put $10 in there" And I did. Create a system that works for you and get on it! 

MULTIPLE STREAMS

It is a fact that most millionaires have multiple streams of income. I have only two right now. So its something I need to desperately work on. Let's say you have a full time job. Think of anything that can make you a little extra money and do it. But remember, work smart not hard. Think of something non time consuming. Let's say you sell t-shirts on Amazon. Something simple. If it brings in a $100 a month that's great! That's income you have in addition to your main source. You're adding to your streams. 

I'M NOT JUST TALKING

As I've stated before, I came to LA 5 years ago with only $300 to my name. Since then, I've built a business and my accounts are litty because I save save save. When I started making money, I kept the same values as before. Yes, my car and house got nicer but NEVER to match my income. It's always important to live below your means so you can have room to breathe. Room for fun . Room for emergencies. 

Thanks to the success of my business, God, and learning how to save and cut back when needed, I have a personal savings, business savings, investment accounts and retirement accounts that I never have to touch. I can buy anything I want, go wherever I want and I can take care of and provide for my loved ones. They'll never have to want for anything. I think that's what its all about. Being able to be there for the ones you love which in return makes you happy. 

Anyhoo.. I'm not really sure how to end this one. Im sure I need to go in detail on the business side of making schmoney in my next post. You guys let me know :)

-Ciera 

 

 

 

Credit and how to make yours Lit..

Now that I understand the importance of credit, I take it super serious. I get constant updates from Experian on if anything has changed. I'm always watching it like a hawk. I was never taught how to maintain my credit or finances (I didn't grow up in the best situation) because our focus was mainly on survival. But as an adult, I've learned a few little tricks on keeping your credit great or even raising it that I'd like to pass on. 

When I was in college I met this girl who I became friends with. One day, I rented a car under my name and let her drive it. BIG MISTAKE. Don't ever do this. Anyhoo, long story short, she totaled the vehicle and disappeared on my ass. So, in addition to an unpaid phone bill and Old Navy credit card, this is what started the demise of my credit. 

I would say one of the most important things about credit is actually looking into what is associated with your name. When I finally started needing to focus on my credit, I found a few things that were not accurate. Its important to not just accept the score, but really look into what's on there and dispute what's inaccurate. You can do this one time or monthly with Experian. Its only 24.99 a month and COMPLETELY WORTH IT. 

I'm sure you've heard many theories on how to raise a credit score. Whether its having to do with using or not using credit cards. But here's what worked for me. When I first started "growing up", I couldn't get a credit card to save my life. I kept getting denied because my score was so low. I had to go through my bank for my first credit card. It took me 3 times to get approved for a $500 limit. So I tried three routes on getting my score up to par.

First, I tried not using the card. I locked it away and never touched it. But after a few months, my limit didn't increase and neither did my credit score. Next, I tried using it and paying it off immediately after I used it. For example, if I bought dinner on the card, I would transfer money over immediately to pay it off. Unfortunately, this didn't work either.

The only route that worked for me was spending half of my limit ($250) and paying it off automatically at the same time each month when the card was due. This is what increased my limit and started increasing my score. I believe I was about 580 and now Im at a 800 credit score. I find that increasing your score is all about trust. There's an art to it. You have to look like you are trustworthy on paying the money back and also like you don't really need the card. If you spend up to your limit, it looks like you really need that card and you don't have a lot of money. This doesn't make them want to increase your limit. 

Also, when you pay the card off immediately, where's the trust there? You didn't even let it sit long enough. With most credit cards, there are due dates. I set up mine to pay automatically on this due date so its nothing I ever had to worry about.

Lastly, with credit cards, remember to spend only what you have. If you can't afford it, don't put it on that card! Only spend what you can immediately pay off so its never stressful :)

Feel free to ask me anything or put in some of your tricks on increasing your score. 

Thanks for reading 

-Ciera 

 

 

Today's Plan

So happy to read all the comments. I should have turned that setting on when I first started this. Everyone is so sweet! The emails I'm getting mostly are about body image, my business and my film journey which I am so excited to talk about. I called my sister this morning and asked her to help me film a video just talking about all of it. Ill get semi-cute later today and start filming. I hope you guys like it. 

For today.. I have to work per usual. Man I'm so thankful for the support in my businesses. It's crazy. In addition to Babes, I was only trying to start the mens line to "try it out" but those tees are selling everyday. My work load is crazy right now but Im super grateful. 

For my body image thoughts of the day, I started my sit-ups/ ab workouts again. So I want you to join me and let me know how you're doing. The plan is... 100 sit-ups after every meal. Its annoying but pretty simple. 

Anyhoo.. off to work 

-Ciera 

Body Image

" Hi Ciera, my name is Leslie and a blog I would like you to do is how to keep your waist small if you're thick. I am a thick girl just like you, I have hips and thighs n unfortunately a stomach too. You have a very small waist for someone so thick and me not so much, so I just wanted to know if there are exercises or a specific diet you have that allows you to keep you're hips and thighs but a small waist. P.S. I really like that you have started blog. I am a big fan and getting something personal like this from you is great :)"
 

I get these questions ALOT. Im never really super sure on how to answer them. There are girls out there with literally no waist. I think its genetics honestly. Im naturally smaller up top so it makes my waist look smaller compared to my lower half. What I do suggest is less carbs (even thought I never really stick to this rule) because it works. I am OBSESSED with green tea (which is a natural weight loss remedy) I can drink it all day every day. I only drink green tea, water and wine ;) But other than that I eat ok. When I see myself getting a little chunkier around my waist I cut back on the carbs and that always works. As far as exercise. I am horrible at it. I hate the gym. I recently cancelled my membership lol. Instead I like to do morning workouts in my neighborhood. Mostly Cardio right now because I want to slim down but generally I will need weight training for my legs, thighs and butt. BTW.. tried waist trainers.. they don't work for me or anyone I know. Its a waste of money in my opinion. 

In the end.. there is no "specific" diet for this. This is just kinda something I made up. But what I can tell you is how you take your photos matters. Its all about angles to get that great photo. I kind of want to do a video to show you.. Ill work on it. Thank you for reading my thoughts Leslie, I hope I was helpful :)

-Ciera 

Working On Myself. To Post .. Not to Post..

To Post.. Not to Post.. Man I've been struggling somewhat lately with my brand and how I'm portrayed. As you all well know, My persona is somewhat sexy but when it comes to real life, that doesn't always fly. Im trying to calm the sexy down a little and hopefully my followers are with me on this journey. I hate running into people and they say oh you're that IG girl! I want to go hide under a rock because it makes me feel like I blend in with all the booking info models :/ No diss to them, but thats just not what I'm about you know? So anyhow.. Ive started posting less because I have no idea what the heck is not sexy, too sexy, boring at this point. Im experimenting on my IG. Can you tell? 

In other news, Im dabbling in photography a bit more and more these days. If you know anything about me, my main passion is and will always be film. My sister has given me the responsibility of directing her next video and I'm so friggin' excited. I have so many ideas. I can't wait to start releasing what we are working on.

Besides that, Im on a diet. Again. Its hard af but hey thats life..

PS. I see the likes, but Im not really sure who's reading or if anyone cares about this blog yet. If you do, comment below to let me know what you'd like to hear the most :)

 

xoxo

Ciera 

Always always working

Does anyone else feel like this year went by super fast? Its scary its September. I keep thinking about what more I could've accomplished this year. I want to do so many things. Ive had it in my mind about starting a short film for years and I am so intimidated by the idea that I haven't started. My business is so time consuming so Im realizing now that Ill have to hire someone to take over so I can focus on things Ive been planning to do and haven't yet. 

Im supposed to be checking emails right now.. 

.. But I don't wanna. I just want to hop on a plane and leave work alone for a while. 

My First Entry

You ever want to change your entire life and start over? I feel like that everyday. I change my mind about everything and want to reinvent myself and my business every week or so. Im really at the stage where I want to use my following for something greater and really showcase who I am instead of sticking to sexy posts that will get a lot of likes. You know what I mean? Anyhooo.. Back to work for me. Currently trying to revamp my mens line and add some cool pieces this weekend. 

xoxo

 

Ciera