Home' Trinidad and Tobago Guardian : October 4th 2013 Contents 13
Friday, October 4, 2013 • Issue 108
Fashion, beauty and entertain-
ment professionals in Trinidad and
Tobago will soon have their chance
to meet and learn from Crystal
Wright, celebrity makeup coach, on
November 11 in a ground-breaking
initiative hosted by Makeup Profes
sional, Nina Alcantara.
Not only has Crystal Wright coached
mega talent such as Sam Fine and other
leaders in fashion, beauty and entertain-
ment, towards huge success, she has
been responsible for teaching the MAC
Cosmetics Master Classes for senior in-
ternational artists in the USA and
Crystal is internationally recognised as
an expert on career building and market-
ing for beauty, fashion and photography
professionals. She regularly appears as a
guest speaker and educator at industry
trade shows and events all over the
world; and is also the author of the
beauty industry bible, "The Hair, Makeup
& Fashion Styling Career Guide."
Sponsors for Wright's workshop in-
clude Filtered Fashion Magazine, Trinidad-
weddings.com, DuJour Hair Company and
IKE Consultancy. They will be bringing
"The Power of Beauty" - Crystal's entre-
preneurial training and career workshop,
to us here in T&T.
makeup professionals, photographers and
fashion stylists for lucrative jobs with
celebrities, recording artists and advertis-
Attendees will also gain insider tips on
marketing, portfolio building, negotiation,
agency representation, networking and
team collaboration. Crystal's dynamism
as a presenter is well known.
In fact, she is called the "Empowerment
Diva" because she gets people "unstuck,"
by giving career advice with a healthy
dose of tough love, expectation and ac-
Crystal's regular class fee is USD $1550
but beauty and fashion professionals can
access her vast knowledge and build a
sustainable and successful freelance ca-
reer for only TT$1200 at her workshop.
For more information on the workshop
on November 11, please check:
MONEY TIPS TO KEEP YOU
AHEAD OF THE GAME
One of the many problems facing young adults today
is how to maximise their earning potential and to save
and manage their money effectively. To succeed as
adults and not struggle through life, learning by trial
and error, it is critical for you to develop essential
money management and life skills. Managing money is
not a skill that comes naturally and there is a gap in im-
parting this knowledge to young people.
Some of the reasons for young adults having poor
money habits and negative attitudes about money stem
from their early childhood and the various ways they were
introduced to money.
As a young adult, how you feel about money affects
how you live your life and manage your finances. It is criti-
cal to have the right attitude towards money and adopt
the success habits to achieve financial freedom.
To help you manage money effectively and plan ahead
for a successful future, here are some simple and practical
CHECK YOUR ATTITUDE AND HABITS TOWARDS
MONEY. IF IT IS NEGATIVE, THEN TAKE STEPS TO-
WARDS A MORE POSITIVE ATTITUDE.
Do some soul searching and check your feelings about
money. Are you happy when you receive money or are you
always dissatisfied -- wanting more?
What's the first thing you do when you receive money?
Do you go out and buy whatever you want or only what
you need? Do you work with a budget or check list?
Yes, what you do with your money may be a repeat of
the way your parents or other adults in your household
handled money. Sayings such things as "Money is made to
spend" or "Enjoy your money while it lasts" also has a neg-
ative effect on how you treat with money.
EXAMINE THE LIFESTYLE HABITS THAT CAN CAUSE
YOU TO OVERSPEND
Many people get into financial difficulties because of
lack of discipline, lifestyle habits and a negative approach
to budgeting and savings. Do you know how much money
you spend weekly or monthly on your lifestyle habits or
hobbies? How often do you go shopping? What about the
cost of hanging out with your friends?
DESIGN AND IMPLEMENT A BUDGET
Whether you have a little bit of money or plenty money,
budgeting is important. It is a commitment to you.
A budget is really an itemised list of your financial com-
mitments and the things you want to buy with the dollar
amount for each item listed. A budget would help you to
keep on track with your expenses, and allows for savings
towards your future goals.
When making a budget you should be careful with what
your needs are, your commitments and your wants. Know
the cost of grocery items, utilities, car instalments and
SAVE & INVEST
Saving is setting aside money for a short-term goal. An
investment is putting aside money for a longer period for
returns. Savings and investments would help you achieve
your financial and life goals. Most young people as soon as
they begin working want to buy a car, the latest in elec-
tronic equipment or travel. To achieve any of these goals,
you must exercise disciple, delay gratification and include
your targeted amount in your budget.
Most of the goals you want to achieve require you to
have money. You must first list your goals, the time frame
in which you want to achieve them and the money re-
quired for each. You have to be realistic in setting money
1. Your first step is to have details on what you want.
2. Check whether it is a need or a want.
3. When do you want to achieve this goal?
4. How much money does it cost?
5. How are you going to get this money?
6. How much do you have to save?
7. What instruments are you going to use?
8. What other steps do you need to take?
9. What are the things that can affect your plans?
10. What is your reward?
After spending over 30 successful years in the insurance
industry, Ms. Gibbons Joseph, who is also a certified finan-
cial planner, received her international certification as a
professional life & financial coach. She has combined her
experience, skills, knowledge and modern coaching tech-
niques, to offer individual and small group coaching ses-
sions at her office coaching space, in the areas of money
management, personal & professional development, sales
and transition & retirement. Her company 'Conec' (situ-
ated at 8 Austin St. St Augustine) has recently launched
life empowerment events for women. Her upcoming event,
'The Power of You' is carded for October 12 from 2-6 pm
at the Courtyard Marriott.
To Contact Jennifer call 663-6338/766-2148. Email
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