Sylvia Seaman-Peltier

I'm Sylvia — the creator behind Grace & Cents, where I document my real-time savings journey at $50 a week. But saving money doesn't mean sacrificing the soft life. This list is everything I use and recommend to look and feel beautiful without blowing my budget. Nails, skincare, and makeup — all tried, tested, and budget-approved. Because you deserve to feel gorgeous AND financially free at the same time. Follow my savings journey at pinterest.com/graceandcents and grab my free $1,000 savings tracker at payhip.com/b/FVDBz.

I'm Sylvia — and I'm not a financial expert. I'm a real woman who was living paycheck to paycheck, spending without tracking, and feeling completely stuck with money. This list is everything I'm personally using to turn that around — the tools, books, and courses that are actually helping me save money, build better habits, and start creating income online. No fluff, no overwhelm. Just the exact starter kit I wish someone had handed me. Start anywhere on this list. Every single item here is beginner friendly.

For the woman who feels like she’s outgrown who she used to be and isn’t sure who she’s becoming yet. These are the tools, teachings, and practices that helped me shift from survival mode to clarity, peace, and forward movement again. Start here. Small steps, real change.

A simple, no-fluff collection of natural-hair staples that actually help your curls thrive. Whether you’re newly natural, transitioning, or just looking to simplify your routine, these are the go-to products that support healthy, hydrated, defined curls without overwhelm.

Soft life isn’t candles and vacations. It’s nervous-system regulation. It’s gentleness with yourself. It’s making your everyday life feel less heavy. These are small things that make your home, routines, and mornings feel lighter and more peaceful.

A curated collection of the exact tools, courses, and digital resources I recommend if you’re building an online presence, a brand, or a digital income stream — especially if you’re starting from zero or rebuilding from scratch. This list includes the same beginner-friendly systems I use: simple tools, step-by-step courses, and business foundations designed to help you grow, monetize, and stay consistent without the overwhelm. Perfect for: • New creators • Women rebuilding their online presence • Anyone learning content, marketing, or digital income streams • Busy women who want clarity, not chaos