Black HairCare.Com

     Consumer Advocate
    "Make a Dollar Holla"


Do you have something to say about any aspect of black hair care? Say it here with your own Black Hair Care Blog or Article. Send the contents of your blog or article to us via an email and we will post it on Black Hair Care.Com International for all to read and comment on. All we ask is that you bring it on strong. Send email to: Info@BlackHairCare.Com


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and develop this web site. We want you to select the topics for discussion and contribute to the content that appear on this web site. Let us know what aspect of black hair care is most important to you.  Make Black Hair Care.Com your own personal web site, you design it, you develop it, you tell us what you want to see on it. We want Black HairCare.Com to be extremely interactive, from the blogs, to the discussion groups, to the message boards, to the chat room, to the black haircare social network. Your level of input is very important to us. We welcome all suggestions, comments or criticisms. Let Black Hair Care.Com International become your interactive social networking web site. 


Please feel free to send us your black hair care product recommendations as well as photos of your best black hair styles.



courtesy of The Smart Spender 

My passion is consumer advocacy and financial literacy.
"Financial Literacy is the New Civil Rights"

"Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; debt is the money of SLAVES."
Why is it that notorious spenders and non savers are always complaining about not having enough money or crying broke? My people are amongst the most unsophisticated consumers, spenders, savers or investors. The Common Sense (¢) Coach is here to change that paradigm.
Black people today for whatever reason do not know how to "MAKE A DOLLAR HOLLA". It's been said that black people in America lack a certain amount of financial sophistication. The phrase "Make a Dollar Holla" harken back to an era when families of that time were force to use creative financing in order to survive and keep their families moving forward. Woman like my dearly departed mother who had limited means would find ways to save money in very tough times. "Making a Dollar Holla" is the modern day equivalent of stretching your dollars, making your money last, getting more bang for your buck or pinching pennies. These dollars were said to be stretched so far and clenched so tightly that if you listened closely you could hear old George, Abe, Al, Andy or Ben say "please lady let me go". For those of you out there who think you know how to stretch a dollar, continue reading and you will learn how to "Make A Dollar Holla". If your dollars are far and few between, don't worry, there are Still a lot of opportunities for you to save a great deal of money.
Lets now talk about "Drowning in The Red C's" not seas but C''s. With all of your debt, I bet sometimes you feel like you're drowning in The Red Sea. What we're talking about is curtailing some of your bad spending habits and saving some dollars that are going out the door. The Red C's represent dollars that can be controlled and/or redirected. Making these dollars holla could mean the difference between drowning and staying afloat. Too many Red C's will put your finances in the red. The Red C's can sink you and take you under.
1. Credit Card Debt
2. Cable TV Bills
3. Cell Phone Bills
4. Car Payments
5. College Loans
6. Charges, Hidden Cost and Fees
7. Carryout Meals

In this day and age it is imperative that we prioritize our spending habits and learn to separate our needs from our wants. We need to adapt a mindset of deferred consumption.
Calming and controlling The Red C's represent only a small portion of our overall savings strategy.
Just like GOD parted The Red Sea, The Common Sense (¢) Coach is here to help you navigate The Red C's and make those hard earned dollars work harder for you. If you are living from pay check to pay check and you're having a hard time saving money please be aware that help is on it's way. Let us guide you safely away from the treacherous waters of The Red C's.
I now want to address the subject of black people in the community who are financially unsophisticated or financially immature. The first step towards combating financial immaturity is to understand your needs verses your wants. The next step is to understand that financial sophistication or maturity is independent of how much money you earn. Number three you don't have to have a PhD in economics to be financially sophisticated. You have to begin by saving a portion of every dollar that you earn. Let's go back to the post World War II era. During that time black families struggled to make ends meet and dollars were few and far between. The women of these families were charged with the task of making something out nothing. The little money that did exit had to be precisely proportioned in order to make ends meet. There were no discretionary funds to speak of. In order to make it from one day to the next, pennies were squeezed and dollars were stretched. The late great Lou Rawls immortalized this era in his 1960's hit record entitled "Tobacco Road" Southside Blues. The black people of this period knew that by tightening their belts and living within their means, they could not only survive but they could strive. They were very aware that saving money was a sacrifice worth making. The reality of poverty was quite evident but the "Spirit of Lack" was not in the hearts and minds of the people. Black people either lack the will or are unable to make their dollars holla.
We're not saying that you should not enjoy the fruits of your labor. We're saying that there is a more sensible and thoughtful way to go about acquiring your goods and services. Reality dictates that if you're on a beer budget, you have to defer your champagne dreams. As my dearly departed mother would often say, "if you're not careful money will burn a hole in your pocket", meaning that it will disappear very quickly. I find that many black people are notorious non-savers and thoughtless spenders. Our mission is to reverse that dynamic in a big way.
Now lets talks about the basic principles of individual and personal financial responsiblility.
1. Living within your means is the first step towards personal financial responsibility.
2. You must make it a priority to seek out and study all aspects of personal money management.

Let's face it ladies having your hair styled just the way you want it can do wonders for your physical appearance as well as improving your overall sense of wellbeing. Whether its done at home or in a fancy beauty salon, the results are usually the same. You look great and feel wonderful. Is that all there is to it? The answer should be no!  You need to stop and ask yourself. Is my hair and scalp as healthy as it could be? Is there a healthier black hair care solution available?


Learn what healthy hair care is all about. Know what's good and what's not so good for your hair and scalp. You have the opportunity to achieve and maintain healthy black hair. The health of your hair and scalp is just as important as any other part of your body. Don't sacrifice healthy black hair care for style. Whether you braid it, twist it', knot it, relax it, press it, weave it, extend it or wear it natural. You need to know that you can have both healthy hair care and a glamorous hair style.


Healthy black hair and scalp can lead to better hair growth, less breakage, no itching, no flaking, no hair lost, less dryness, more softness, enhanced color, more shine, better control and less maintenance.  


Seeking the latest hair style or obtaining the latest miracle product is fine but at the end of the day achieving and maintaining healthy looking hair and a healthy scalp should be your ultimate goal.  Let Black HairCare.Com International be your main source for  helping you to find that healthy black hair care solution. We will be your portal to help you find those web sites that are dedicated to helping you achieve your black hair care goals.  

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