June 28, 2011

Fly Girl of The Moment - Kenya "KiKi"

Take a Look at My First "Fly Girl of the Moment"

Kenya A.K.A. "KiKi"

From the moment I thought about launching my "Fly Girl of The Moment" Feature, I coudn't think of anyone better to set it off than my girl KiKi. I know KiKi from Church and.......SHOPPING!!! Having Fellowship and Fashion in common is such a good thing, right?

I absolutely LOVE, LOVE, LOVE KiKi's style. Every time you see her she is ALWAYS camera ready - I mean not a hair out of place HONEY!!! Not only is she fly, but KiKi is a Single Mom to a son with just as much swag as her.

KiKi spends her days as a VPK Program Teacher, preparing her students for Kindergarten.

As you can see we have similar tastes in some things, notice the haircut. I PROMISE, it was totally NOT planned!!!  LOL!

This Fly Girl’s style ranges from the Classic looks of Ralph Lauren Polos to Funky Cutting Edge Pieces from Betsey Johnson!!

Isn’t she fly! – Go KiKi!!

Want more of this Fly Girl?  Read Below...

Describe your personal Style.
I can put it into three words for you:  Classic, Sexy, and Cool.

How often do you change up your style?
Almost on a daily basis, one day I can be "Prep" and the next day "Runway Ready", so it all depends on my vibe and surroundings.

What are your favorite brands and places to shop?
Betsey Johnson, H&M, Polo, Forever 21, ZARA, and this place I just discovered:  Cotton On.

Who is your fashion icon?
Audrey Hepburn and Michael Jackson

What is your favorite fashion accessory?
Shoes, Shoes, Shoes, and more Shoes!!!!!

What trend/style do you love?
Colors, Animal Prints, and Rock Star Edge.

What trend/style do you hate? 
Hip Hop Wear - Baby Phat, Roca Wear, Dereon, Apple Bottoms, and Coogi. I dislike manufactured outfits already put together with the matching shirt, jeans, shoes, and jewelry. I think it limits one’s creativity in their personal styles. Why should I have to purchase something just because Kimora, Jay-Z, Beyonce or Nelly thinks it’s hot!!!! Lol! I’m the one who decides that!!!

What are wardrobe staples that everyone should have in their closet?
A nice white shirt, skinny jeans, pencil skirt, a polo, and a mini black “Show em’ What You Got” dress!!!!!

What is one fashionable item you couldn't live without?
A string of pearls, long or short!!! I wear them with everything!!!!

If you could raid someone's closet, who's would it be?
Rihanna and Lauryn Hill

Besides the U.S., where else would you love to go shopping?
Tokoyo, Japan

What’s More Important Than Fashion is a Fashion Blog that LOVES to share the spotlight with Fellow Fly Girls out there.  The Fly Girl of The Moment Feature will showcase the signature styles of fellow fashionistas rockin’ fashion their way. 

June 25, 2011

Playing Around on Polyvore!

In the spirit of Summer beginning this week, I decided to Play around on Polyvore and here is what I created!  HELLO SUMMER!!!  I was feeling prints, nudes/neutrals, and a pops of color! I hope you like it!
Hello Summer!!!!

Velvet top
$368 - 25park.com

Vince cowl neck top
£138 - matchesfashion.com

Dorothy Perkins scalloped shorts
£17 - dorothyperkins.com

Hussein Chalayan loose shorts
£196 - farfetch.com

Faith wedge heel boots
£64 - debenhams.com

Charlotte Olympia pointed toe heels
$576 - kirnazabete.com

Alexander Wang pointy toe heels
$495 - net-a-porter.com

Joe's Jeans wedge heel shoes
$185 - zappos.com

Givenchy clutch bag
$1,550 - ssense.com

Gucci clutch bag
£1,610 - net-a-porter.com

Beading jewelry
$105 - endless.com

80s earrings
$855 - stylebop.com

ALDO chunky bangle
$12 - aldoshoes.com

Chain jewelry
$14 - nordstrom.com

Eddie Borgo cuff jewelry
$440 - net-a-porter.com

ASOS origami jewelry
£15 - asos.com

TopShop oversized jewelry
$28 - topshop.com

Have fun with your clothes this Summer!!!

Love You for Following,

June 24, 2011

Know Your Score!!!

Hey Fab Friends! 

Welcome to the Finance Friday Series! 

I wanted to kick off the first "Finance Friday" topic with something simple, one of the basics of personal finance – The importance and foundation of having good credit.  As simple as this is to me, there are a lot of people who don’t realize HOW IMPORTANT this is!  Can you believe that?  

I’m sure you all have heard and seen those corny commercials about obtaining a free credit report once a year, right???  Ok, but I feel like that is only half of the battle.  The free credit reports are good for initially reviewing all of the information that is listed as yours and then verifying if it is true.  However, you should take it a step further and find out your actual score. 

This is no joke, one of the most important things you will need to know in life is your credit score.  Your credit score is the 3 digit number that deems your credit worthiness.  Not only that, this score is what the potential lender then uses to decide if extending credit to the loan applicant is an acceptable risk.

Who comes up with your scoreThe most widely used provider of credit scores is the Fair Isaac Corporation or FICO.  FICO scores come into the credit picture when potential lenders obtain credit information from one of the 3 major credit bureaus:  Equifax (EQ), Experian (EX), and Trans Union (TU). 

The Numbers:  Credit Scores can range from 300-850 and are derived by the data collected in your credit report that can be categorized into five major categories:  Payment History, Account Utilization, Established History, Inquiries, and Credit Mix.  Let’s take a look at the breakdown below.

Payment History 35% This includes The Good, The Bad and The Ugly of your payment track record.  This will tell a creditor how you pay your bills (credit cards, installment loans, mortgages, etc.), if you have any negative public records (bankruptcies, liens, judgements, collections, etc.), and payment delinquency (amounts, length of time and how often).
Bottom Line:  Pay your bills in FULL and ON TIME!

Account Utilization 30% This is a display of how your existing accounts are being used.  Account Utilization tells creditors how much you owe on each account, how many accounts have balances (high or low), and the proportions owed. 

You can calculate your utilization with a basic formula: 

Balance/Credit Limit = Percentage

Tip:  It’s best to have a mixture of accounts with low balances versus having a few accounts completely maxed out.  Keeping your utilization percentage below 10% puts you in good shape – and it’s one of the fastest ways to improve your credit score.

Established History 15% This tracks the amount of time that the accounts have been open by type and the time since account activity has began.  The longer the better! 

Tip:  With adverse accounts, think before you just close them.  It is more beneficial to your score to pay the balance down and cut the card up than to close the account if it happens to be one of your longer standing accounts. 

Inquiries10%  This tracks the number of recent credit inquiries, time since recent account openings (by account type),  time since last credit inquiries, number of recently opened accounts, and re-establishment of positive credit history.  The lesson to learn here is:  Don’t apply for credit unless you really need it and/or know you can get it.  Unnecessarily applying for credit (and being rejected) over and over can kill your credit score! 

Credit Mix 10% This is simply the importance of having a variety or mixture in the type of credit lines you have.  Types can include but aren’t limited to:  credit cards, retail accounts, installment loans, auto loans, and mortgage loans.

To sum it up, your credit score is made up of several factors and reduced to three digits as highlighted above.  ALL of them are taken into account when deeming your credit worthiness not just one or two.  Building good credit takes time there are no easy fixes, in fact most of them back fire. 

It is essential that you comprehend the importance of a FICO score as it pertains to the foundation of establishing good credit.  Take the necessary steps to protect and grow your score.  And always remember - It’s your credit, please use it responsibly. 

Love You for Following,

June 23, 2011

Who Me? I WON!!! My First Award : )

Hey Fly People!

So as you know I am new to the blog world and I am having soooooo much fun with it already.  Every time I receive a comment on one of my posts, I smile.  So imagine my surprise today when I received a comment from Lea at:  Re-Tell Therapy that she had awarded me with the “Stylish Blogger” Award!  Yesssssssssssssssssss HUNNY!  I am Honored, Blushing, and Dancing all at the same time!!!  Thank you so much Lea!  J

Now for the duties of receiving the award: 

  • Thank and link back to the person that awarded you this award
  • Share 7 things about yourself
  • Award recently discovered great bloggers
  • Contact these bloggers and tell them about the award
7 Things About Me:

1.  I am the Oldest and the Youngest child; My Mama's Oldest, and My Daddy's Youngest.

2.  I am a Florida Agricultural and Mechanical University (FAMU) Alumni.

3.  In 2006, I competed for the 1st time in a Fitness Competition and placed 5th.

4.  I LOVE Martin Lawrence and can quote every episode of the show!

5.  I am a native of St. Louis, Missouri (and I enunciate my "R's" extremely hard).

6.  I LOVE watching Movies and TV Shows on DVD with the Director's (and sometimes Actor's) Commentary on.  After watching it the normal way first - of course.

7.  I am a "List Maker" - I make them for EVERYTHING! 

Award Recently Discovered Great Bloggers:

This is such a FUN task!  I find a new blogger I love every day!  What's even more amazing is that every one of them is DIFFERENT and FLY in their own regard.  How in the world do I choose?  How many do I choose?  Decisions, Decisions.....

June 22, 2011

A Splash of Lemon

I seem to be wearing skirts a lot more frequently these days.  Today I wore this yellow skirt I’ve had for years. 

I decided to try it with some different parings and green and leopard print came to mind. 

I love when I see an unexpected piece in an outfit that works very well together. 

This year I have been challenging myself to add something different and unexpected to outfits. 

Remember to have fun with your clothes!!!

What I'm wearing:
Blazer: Old Navy
Shirt:  H&M
Skirt:  Gap
Belt:  Ross
Shoes: Jessica Simpson
Necklace: Forever 21
Earrings:  Burlington Coat Factory
Ring: Rock Kandy Accessories

Love You for Following,

June 20, 2011

Thrifter in Training

Ok, so I am extremely new to Thrift Store Shopping.  But after seeing so many fab finds from the fly girls on the blogs I frequent, I decided to give it a shot.  So far, my thrifting adventures have only led me to two different GoodWill locations in the Tampa Bay area.  I managed to find 3 Fab Blazers, 1 Pair of High Wasted Capri Pants and 1 Studded Belt. 

Take a Look:

Blazer #1

Blazer #2

Blazer #3

High Wasted Capri Pants

Studded Belt

Hey, you have to start somewhere, right?  So, what do you think?  I think I did pretty good for a newbie. 

Fellow Fashionistas, feel free to provide style tips and suggestions on how you would like to see these items rocked. 

More updates of my thrifting adventures coming soon!

Love You for Following,

June 17, 2011

Florida Orange

Have you ever built an outfit around a pair of shoes?  Well I have.  Meet my Envy Ahoy Espadrilles I purchased a few months ago from DSW.

I decided it was finally time to pull these babies out of the box and rock them.  I chose to pair them with a simple shirt and a bold skirt, topped off with a blazer.  I think the look came together pretty well. 

What I'm wearing:
Blazer: BeBe
Shirt:  Wal-Mart
Skirt:  Banana Republic
Shoes: Envy (purchased from DSW)
Necklace: Express
Earrings:  Forever 21
Ring: Old (Love It to Death)

If you love these shoes just as much as I do, you can order them here My Shoes!

Love You for Following,

June 16, 2011

Party Can Begin Everyone, I'm Here!

Well I’m here!  My name is Genelle and I have been contemplating the launch of my own fashion blog for a looooong time.  I have been a fashion blog addict for quite some time now - no really, its sickening!!!  I am that reader who gets upset when my favorite fashionistas are sporadic with their posts, LOL! 
I spend my days as a Full Time Financial Analyst and Part Time Financial Services Rep, all while staying Fly.  I love Fashion and Fashionable People and with this blog, I plan to showcase Fashion and encourage Personal Financial Awareness.  Your Wallet should look as good as your Wardrobe!  So let’s get fly, financially aware, and have fun!

I hope you enjoy!