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  • Tiphani’s Common Sense Tip of the Week #1: Don’t Do Chickenhead Stuff With Your Tax Return Money

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    Please excuse my excessive use of the word RETARD ahead of time.

    It just happens to be the only word I could think of at this particular moment to call everyone who fit the description of this post.

    #JustSayin

    This particular post is for my ladies.

    Guys, I’m not too much concerned with you because (#$%@$%%&^%^%%##$@@!#@!##) …I’m just not…#kAnYEshRUgs

    Sooo, I was in the mall this past weekend and it was like super crazy packed (and I couldn’t figure out why because it’s not Christmas or anything) and someone brought to my attention that it was tax return season. #spiritFINGERS for all who “Came Up!”

     I was SO befuddled because I couldn’t figure out for the life of me why everyone was in the mall spending all of their return money on clothes that they couldn’t otherwise afford. If memory serves me correctly…most people are in debt and I just find it so retarded that most were applying their money to things that DON’T matter.

     It’s just that it’s 2010 and I want all the women out there to step their game up. If you haven’t spent your tax return money by now *side eye* why not wise up and apply it to your debt? Why not make your goal for this year to be DEBT FREE?

    A lot of you are slaving at 9-5 gigs that you absolutely HATE and would rather quit to start your own business. Most of you have GREAT ideas that you can’t afford to finance because you have bad credit and the banks won’t give you loans and people don’t want to lend you any money because you NEVER pay back.

    Why not cancel your debt and aim for an impressive FICO score (believe me, a good FICO score makes EVEN YOU a little prettier).

    It may mean that you can’t go out and shop or do the things that you want for a little bit, but it’s a simple character trait called discipline. Sometimes you have to sacrifice the things that you want to do now for what you want to do in the future.

    Let’s just stop being so freaking retarded all the time-smh

    Aren’t you tired of never having enough money to do EVERYTHING that you want to do?

    Aren’t you tired of being in bondage to the people you owe money to?

    Aren’t you simply tired of living in LACK?

    I’m not sure about you, but I want a husband that has enough money to provide for my daughter and I and any other children we decide to have (and I seriously doubt the “ANY MORE kids” part will actually happen), but I also know that I’m going to be able to bring a good financial portfolio to the table as well (because ONLY chicken heads think they don’t have to).

    So when I get married, my hubby won’t have to worry about me being in debt. I’m going to be in a healthy relationship with my finances and even though he’s going to be making more money than me #bILLionaireStatues *wink wink* I’ll still be able to bring something to the table.

    So ladies, let’s get our money in order.

    Please stop spending it on stupid crap.

    Just STOP being so retarded *bangs head on brick wall*

    A lot of you are living a façade…dressed in Gucci, Louis Vuitton, Christian Louboutin *drools*(my faV) and you simply can’t afford that lifestyle. Driving cars that you can’t afford to drive in…are you serious??? Are you really going to be that dumb…FOREVER?

    Side Note: If you couldn’t tell by now, this pisses me off! I mean REALLY pisses me OFF!!! I’m just tired of seeing people struggling when they don’t have to. This lifestyle is a choice that you choose to take part in because you don’t believe you deserve better.

    Another Side Note: Our mind sets are too small. We’ve become use to smallness. It is ABNORMAL to accept lack and poverty. It is NOT the will of God.

    CIAA is coming up in a few days (and for those of you who don’t know what that is, it’s a huge college basketball tournament in Charlotte, NC) and I have caught wind that, in a sad attempt to look “fly,” most people have already spent their tax return money on this weekend ALREADY!!!

    If you’re one of these people…you’re sailing down the river of retarded brokeness with the rest of the world.

    If you can’t afford to go…just don’t go!

    Like really? Are you seriously going to spend your money just for one weekend only to be broke after? Just to make an impression on some people that don’t even matter?

    Maybe it’s just me.

    Maybe I’m the only person in the whole wide world that thinks it’s the most retarded thing to do, so I’m sorry for this rANT, but this public service announcement was needed because I just want my women to do better!

    Everyone who knows me knows that I’m a HUGE advocate on personal development and self improvement and I just want everyone to SUCCEED! Because if you knew how powerful you really were…what kind of inheritance God has promised to you, you wouldn’t dare get caught up with a house full of bills.

    You’d have a file cabinet full of TITLES AND DEEDS.

    #JustSAYIN

    Step your game up!

    Tiph-xoxo

    Feb 24 2010 | Tiphani's Common Sense Tip of the Week CIAA, Motivational Speaker, Personal Development, Public Service Announcement, Self Improvement, Tax Return, Tiphani Montgomery, Wealth
    Comments (6)

    DON’T CALL THAT MAN!: Tips on How to Keep Him AND Your Sanity

    NOTE: I apologize for the excessive “side notes” in this post.

    I. Just. Couldn’t. Help. Myself.

    Just the other day my girlfriend called me very distraught about a situation that had happened between her and a man that she had been dating. He pursued her very aggressively and they have been seeing each other for about two months, talking on the phone or going out on a daily basis.

    My friend was very comfortable with where this “relationship” was going.

    Side Note:  I use my “quotation fingers” for the word “relationship” because “he” had kind of never agreed to be in a “relationship.” She just kind of figured for the amount of time they spent on the phone and going out that it was going into a “relationship.” And this is where the problem started. This was the foundation of the “relationships” demise.

    Another Side Note: Ladies (and hear read me VERY carefully), if a guy HAS NOT agreed to be in a “relationship” with YOU specifically… (Insert drum roll here)….. YOU’RE NOT in a “relationship” with him. So don’t assume just because you guys have been LIVING THE VIDA LOCA and cozying up for a few months that he’s exclusively seeing just you. This is a talk that requires both of your responses…not just YOUR vivid imagination. Just FYI.

    Soooo, he tells her that he’s going to call her back in 20 minutes one day and she didn’t hear from him for four days.

    She went insane.

    I mean like “Swim Fan” insane.

    She went from a very classy woman to a psycho, killer, crazy, serial phone caller lady.

    She called him several times on the first day and when day two rolled around she called even more, but this time implementing the texting ammunition. On the third day it got worse when she went all “mass murderer” on him and on day number four; he answered his phone and acted like nothing had ever happened.

    Never mentioning why he didn’t answer or return her calls and he never questioned if there was an emergency.

    Side Note: Because surely it should have been an emergency if you call someone over 20 times (and I’m sure it was more), right?

    Another Side Note: And then I got confused that women still did this in 2010 *Kanye Shrugs*

    Her first mistake was being a psycho, killer, crazy, serial phone caller lady. Not only did she portray herself as unstable, she also didn’t get the answers or response she wanted from this fella.

    Now, I know for a FACT that my girlfriend isn’t the only chick out here calling a guy way too many times in the dating phase of a “situation” so let me give you the pointers I gave her:

    When a guy STOPS answering your phone call, he just simply doesn’t want to talk to you anymore. His phone wasn’t broke and he wasn’t in the emergency room, he just DOESN’T WANT TO TALK TO YOU.

    As rude and inconsiderate as it seems…as disrespectful as we THINK it is, it’s okay for him to do that because you aren’t in a “relationship” with him.

    Side Note: Stop living in a fantasy world of imaginary boyfriends. (I.e. Just cause you live with a man doesn’t make him your “husband.”) Nuff said!

    Now if you were this guy’s girlfriend, I’m sure he would have NEVER done this to you in the first place, but he did because you’re not.

    Side Note: The phone could either be a weapon of mass destruction or a magic wand in your journey to winning the guy you’re interested in over. THE FASTER YOU LEARN THIS, THE SOONER YOU’LL BE TO LIVING A SANE AND PEACEFUL LIFE.

    Men and women view the phone very differently.

    Men use the phone more for business purposes (especially if he’s getting money like he’s suppose to be) *Pauses*(just for a second so that you can reexamine your “situation” if he’s not. Again, this is 2010…step your game up!). And women use the phone as a social tool because we fall in love through our ears.

    So if you’re a chick that has been dating a man for a few months and think that you’re in a relationship with him but you’re not quite sure …

    Side Note: This doesn’t count for the women who are dating men that have BLATANLY told you that he wasn’t interested in having a girlfriend “right now” aka “never with YOU.” That just makes YOU stupid.

    …and he’s kind of cUT yOU oFF, you can redeem yourself from calling him too much and lOOking desperate.

    Step One:  

    Don’t call him anymore. PERIOD. Stop dialing his phone number. If you don’t remember his number by heart already (as you shouldn’t because that would definitely make you crazy), erase it out of your phone.

    The person that calls the most has the most feelings and since this is the beginning of a relationship something, you want the guy to pursue you.

    He’s the hunter.

    You want to be chased.

    Your role, at this stage, is to sit back and be a prize.

    Let HIM pursue YOU.

    DON’T CALL HIM ANYMORE. PLEASE.

    If he wants to talk to you, he’ll call you. PERIOD.

    Now I know that this is hard to deal with for women who are use to letting your phone possess you, but if it hasn’t been working for you thus far, why keep doing it? Seriously, just try it out for two weeks. I promise you…this works. All the men in the world are the same and have been since the beginning of time. They like to chase. End of story.

    Step Two:

    Believe it or not, he’s going to call you back. It might be days, weeks, or months until you hear from him again, but he’s going to call back (so let go of thinking that all is lost).

    Men, for the most part, are very predictable. He’s going to wonder why you stopped calling him because in all actuality, he liked the attention.

    DON’T ANSWER THE PHONE.

    I REPEAT, DON’T ANSWER THE PHONE!

    Let him call for no less than a week before you answer the phone (ONLY if you even want to talk to him again, which I wouldn’t :/).

    As hard as that may seem (because you’re just itching for answers) you’re going to have to keep yourself busy AT ALL TIMES. Get out the house, take a class, DO ANYTHING that’ll keep you from touching that phone because you have to let him know that you’re just as busy as he is.

    Step Three: 

    When you do ANSWER (Note: I didn’t say “Call Him Back”) the phone (after the week is out), don’t have an ATTITUDE, don’t COMPLAIN or NAG him, and don’t QUESTION him about why he didn’t return any of your calls. Answer the phone with a smile on your face and act as if nothing had ever happened.

    Believe me…this works.

    Men are use to us women getting upset over the most basic things so don’t be that typical chick who always wants to “talk” about her feelings.

    Side Note: A woman that’s upset is a woman who is easy to read. And you don’t want to be easily read, especially in the beginning, because that makes you familiar and when you’re familiar you become boring and being a bore + a psycho serial caller = You Playing Yourself. Hard.

    Don’t ask him how he’s been and don’t talk about what you’ve been doing over the last few weeks. Act like you just got off the phone with him a few hours ago and you’ve been having the time of your life. Keep the conversation to a 10 minute maximum.

    When time to hang up, tell him you have to do something insanely stupid like going to a knitting expo (he has to know where he is at this point at the priority level of your life). He’s not going to believe that you would rather do something stupid like a knitting expo than to hang out with him and that’s going to pique his interest in you again. Just a few weeks prior you were a dumb broad with no self control and now you’ve become unattainable.

    You: But Tiphani why do I have to play games with these guys. Why can’t I just let them know how I really feel?

    Me: *bangs head on concrete wall* Haven’t you read anything I wrote? Men hunt. The species that they hunt are called game. The basic truth is either you play the game or you’ll lose every single time. It just is what it is.

    It’s hard to remain emotionless in the beginning and not complain when something like this happens, but your complaining is not going to change him from being disrespectful.

    The only person you can change is yourself.

    So before you stop (or start) eating, gaining and losing weight and going through the changes of life or a man, JUST LET IT ALL GO. Change how you react to the situation and things will end up much better.

    You can’t control his actions, you can only control yours and at the end of the day, your peace of mind is the only thing that’s important.

    I truly hope this helps someone, because it works GREAT for me.

    Just remember, men only do what you let them do.

     

    Raise your standards and DON’T CALL HIM NO MO!

    Tiphani Montgomery

    Feb 10 2010 | On Relationships #1 Essence Magazine Best Selling Author, Consultant, Insanity, Keynote Speaker, Mommy Blogger, Motivational Speaker, Peace of mind, Phone Etiquette, Relationship Advice, Standards, Tiphani Montgomery
    Comments (7)
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