Carmen Northern

This list is for the girls who still want to be cute, beautiful, and luxurious, but on a budget.

Smart money starts with the right tools! This list is packed with my go-to budgeting resources, from cash envelope systems to planners, that make it easier to traqck your spending, save, and stay on top of your financial goals. The girls will be organized, motivated, and moving forward.

My ride-or-die makeup essentials! These are everyday staples I reach for. Lightweight, long-lasting, and totally fuss free items that give me either quick touch-ips or all-day wear depending on the day. These picks keep me looking put together for the car rider line AND date. If you know, you know.