What the credit ?!%$#

I recently took a free credit class over the weekend and here are some things I’d love to share with you .When attempting to raise your credit score  the first thing you need to know is What is Credit and How is it calculated ?



A credit score is a statistical number that evaluates a consumer’s creditworthiness and is based on credit history of the consumer .

There are 5 components of a credit score .

10% Inquires 

10% Type of credit 

15% Length of Credit History  

30% Debt-to-Income Ratio 

35% Payment History  

Since the highest component on how your score is calculated is payment history I think it is safe to say it is important for you to pay your creditors ON TIME .

Next it is important to keep ALL OF your credit card balances under 30% utilization.

In my opinion these are the two most important steps when trying to raise your credit score.  Practice paying your creditors on time and bring down your utilization to 30% or below .


  • An easy way to ensure you are paying on time is AUTOMATION . Open an additional  checking account that is NOT linked to your debit card. In doing this this will ensure that your creditors are paid on time with out any additional effort.
  • Cant stop using your credit cards ?  Cut them up . No I did not say cancel them , just cut them up .  While paying down your debt it is important not to use those credit cards and mess up all of your hard work to pay off your credit cards


good credit scores just ahead

Be kind to yourself ,  forgive yourself for the mistakes you’ve made in the past and look forward to having good credit  in the future .


” The secret to getting ahead is getting started. ” 


Until next time ,

XoXo  Just Sittin Pretty


29 and SINGLE



I want to share with you all a few things I have learned and experienced being 29 and SINGLE.


It seems every time I log into Facebook, someone is getting married or having a baby.  I will not lie, there have been nights I have cried and asked God. “What is wrong with me?  Am I not worthy of love?  Am I not worthy of a family?”  But I had to check myself and stop crying to God about what I don’t have and start thanking God for the situations he saved me from. I am single because I needed to allow God to really work on me. I needed to grow and figure out what God placed me on this earth to do. In order to do that, I needed to be intentional. What I mean by that is I needed to be Intentional about strengthening my relationship with God. I needed to be intentional about finding what it is, God is calling me to do.  I refuse to settle. I do not want to live my life playing it safe.


Trust me, I am not perfect. Not even close to being perfect.  I am still in the process of allowing God to heal me and direct me into my calling.   I began to reflect on my past relationships asking myself, “Where did I go wrong?” I discovered, In all my relationships I made one glaring mistake, which was putting a man before God and myself. I stopped attending church so often, I stopped doing the things that I loved.  I allowed men to treat me like Silver when God says I am GOLD.  I have been cheated on, lied to, mentally and physically abused.  To the public eye I have always been a strong woman, but behind closed doors, I suffered.  My self-worth was not where it should have been and I allowed a man to determine my worth. HUNNY if you do not get anything else from this blog, understand this: No one else can determine your worth.  You teach people how to love and care for you!

I also decided to take it a step further, I decided to stop having sex.  Yes, it sucks.  I have even broken down and cried, but it has been the best decision I have ever made.  I needed to start loving myself, taking care of myself and realize I am GOLD.

Ladies, you do not realize how much of yourself you are giving away when you lay down with someone who is not worthy of you.  You are a Queen and everyone should not have access to your greatness.

For now I wait patiently for my King.

In order for my man to find me, He must find God first!


Until next time, Continue to “Sit Pretty”




Miss Monica B


Walmart Beauty Box

Have you heard of the Walmart beauty box ? Walmart beauty box is a quarterly beauty sample-sized subscription box. The best part of this box is….. It’s only $5.  Yes ,  you read that right IT IS ONLY $5 !! Literally that is less than a Grande Vanilla  Latte with extra espresso and vanilla from Starbucks.I received a  lot of messages requesting a breakdown  of what is in my wonderful box of goodness for only $5 . So here it is …….




Hello Extra Whitening Fluoride Toothpaste in Pure Mint (.85oz)     Value $2.00

Dry shampoo from  Batiste .(1.5fl.oz) Value $ 2.69

I do not use dry shampoo  so I will be re gifting this product to someone one of the many perks of having a beauty subscription.

Cetaphil Moisturizing Cream for Dry Sensitive Skin. (0.5 oz) Value Size not for sell

For those with sensitive skin this lotion  definitely does not have any added perfumes with is good for sensitive skin .

Dove Purely Pampering Nourishing Body Wash (1.8 Fl. Oz) Value $ 1.25

Clean & Clear Deep Action 60 Second Shower Mask (1 Oz) Value $ .99

Nature’s Bounty  Strawberry  Flavored Hair , Skin & Nails Gummies (2 Gummies) Value Quantity not for sell .

Village Naturals Therapy Aches and Pains Muscle Relief Bath Soak (2 oz) Value $.99

Ecotools Makeup Brush Cleansing Cloths (Single Pack) Value Quantity not for Sale****

Biore Deep Cleansing Charcoal Pore Strips (1 Nose Strip) Value Quantity not for Sale

** I also received a cute brochure from Hello  explaining the brand , their mission and a list of ingredients .  The best part , I received a $ 1.00 off coupon printed on the back . OH YEAH !

Total Value for items that could be purchased at that size or quantity =  $7.92 . It was worth a lot more I just could not find a price on all items . Plus I received a coupon ! This beauty subscriptions gets two thumbs up .

These beauty  subscriptions make my life better for a few reasons . I get to try new products for $5 !! Every quarter feels like Christmas , I mean come on what women wouldn’t  enjoy a box full of beauty surprises ?! Most importantly this is one more way to save money and continue to Just Sit Pretty.

You can sign up for the Walmart beauty subscription  by clicking the link below …..

Walmart Beauty Box

“Stay Beautiful”

Until next time …….

Ipsy Glam Bag (June 2016)

Hi everyone !!! I am so sorry I have not been blogging . I have so much to share with you , so many changes I have made so get excited !!! Today I want to share with you a beauty subscription  that literally changed my life , Ipsy Glam Bags . Ispy is a  beauty subscription that allows you to discover new beauty products for just $10  a month . Here are some reasons I love Ipsy.

  1. A lot of their bags retail for over $50 and you are only paying $10 a month ! Seriously the beauty industry is growing so fast its almost impossible to try every single product without selling your body parts to afford it . Ipsy makes it easy for you to try higher end products without burning a hole through your wallet or selling your kidney .  After all , you might need it!
  2. I love giving gifts. Because I know I will not fall in love with every product this gives me a chance to share these products with friends and family.
    Every once in a while I will receive something I know I will not use for example glitter eye shadow . I am not a fan of glitter on my face but I have friends and family that are obsessed with glitter . This gives me a chance to share these products with them . You could even have a swap party which is super fun !!
  3. Ipsy offers discount codes if you try a product and decide you want to purchase it again . Ipsy has special discount codes you can use through the companies website .  This is what Just Sitting Pretty Blog is all about ! Saving money and staying fabulous.
  4. Last but not least I love their rewards program . Ipsy gives you points for reviewing products you received and inviting friends to join ipsy . Once you accumulated enough points you can cash those points in for more products !! WINNING!!

Of course I would not leave without showing you what I received in my June 2016 ipsy bag .



What’s in my ipsy bag ?

Baby Boo-Boo Cover- up ($10)

Be a Bombshell pout potion ($5) * Currently on sale

Frank body Original Coffee Scrub ($14.95for 7oz)

ColourPop Cosmetics creme gel liner ($5.00)

Urban Decay eye  shadow ( $19)

Total bag worth : $ 53.95 plus a makeup bag !!

I received $53.95 worth of products for $10 .  If you are looking to try new products for an affordable price ipsy is the way to go . If you are interested in joining the ipsy community , I have posted my  referral link below .


“People will stare , make it worth their while”- Unknown

Until next time ….continue to “Sit Pretty”






When I was in high school I made a complete plan of how my life was going to go . I planned at what age I would get married , have children ,my career  and even purchase a home .  I was so obsessed with having a dream life but things did not go as planned.  I began to believe I was a failure because here I am 28 years old not married  , no children and no dream career . None of the plans I made in high school have manifested . So of course because I am so dramatic I now think I am a complete failure.

I am telling you this past year has been challenging for me .  Dealing with surgery , a break up , losing my job , losing my “friends” and having to move back in with my parents . I truly felt like I wanted to give up . Give up on everything ! I was so caught up in the fact that I wasn’t living my dream life .  I became depressed losing all confidence in  myself . I had officially hit rock bottom.

I wanted to give up , I wanted to completely check out .  I felt I did not have the strength to deal with this pain on my own . When I was down to nothing , God was up to something !  He completely humbled me and I thank God everyday for what I went through last year . I came out of this a completely different person .  I am stronger .



Thank you God for your precious timing . I now realize I wasn’t ready to be anyone’s wife ,  I wasn’t ready to have that successful career , and I definitely was not ready to be a mother .  Not only that , I never stopped to realize that maybe God has so much more planned for my life .  My dreams were small compared to what He wants to bless me with .  If things aren’t going your way now that’s okay ! While your waiting for your moment , for your dreams to manifest , be patient and PREPARE yourself for everything you want in your life . Nothing is worse than the opportunity you’ve been waiting for to present itself and you are not prepared !

“God might not come through when you want Him to but He is always on time ” – Unknown

Until next time , continue to JustSitPretty










Having little sisters has been one of the biggest blessings in my life . Having sisters means having someone I can totally be myself with ,  without any judgement .  My partners in crime !! More importantly, having  little sisters gives me more responsibility . I want the absolute best for my sister Asia  , it is important to me to set a great example. To share my life experiences to help to guide down the same roads I walked down when I was 22 .  So today I just want to wish my little sister HAPPY BIRTHDAY . I hope this year brings you closer to your dreams and you live your life to the fullest .  Life is so short don’t waste it on things that do not bring you happiness . I love you Asia !!!


asia nicole

Sisters are different flowers from the same garden.


I hope you are encouraged to tell your sister how much you love her . Continue to keep JustSittinPretty ……

Lemons into Lemonade ….


So I was listening to  the lovely ladies from the singlewivesclub and they were discussing Beyoncés new release “Lemonade” and how you need to turn the lemons life has handed you into Lemonade ! I thought to myself , I have to share my thoughts on this with my followers because I am positive someone needs to hear this .


11 year old , Mikaila Ulmer understands this concept and she made lemonade , literally ! This 11 year old secured a four state contract with Whole Foods and I cannot wait to get my hands on this and try it!

Life has handed me some lemons and lately I’ve been drinking lemon juice hunny ! I was  missing the key ingredients to turn my lemon juice  into lemonade ….  WATER & SUGAR ! To make life sweet you have to focus on the positive things going on in your life .  If you don’t ,  life can get real sour really really quick ! Last year,  I had a myomectomy , which is a surgical removal of fibroids from the uterus. Which I will be doing a complete blog about my surgery , my recovery , and just my mental state during that time in the future . To make a long story a bit short for now , I was feeling low . I started feeling sorry for myself , always complaining  , just in a really negative place .  I  was drinking lemon juice  all day , everyday .

Another key ingredient to lemonade is WATER . We as humans have to drink water to live right ?  Well it’s time to GET YOUR LIFE ! Take your life back because it’s not enough to just focus on the positive things.  You have to take action !    So you had a relationship that did not work out  , you lost your job , you had to have surgery , you are tired of paycheck to paycheck .  I really could go on and on whatever your situation  is . Stop thinking about the negative , join me and make the decision to take your life back and make an ACTION plan to do just that ! Want to lose weight ?  Join a gym , work out at home  , maybe start taking lunch to work . Living paycheck to paycheck ? Create a budget ,  Sit down do some research on making another stream of income . Whatever it is you have to do , do it ! Life is about LIVING ! If you fail the first time IT’S OKAY . Keep trying until you have an action plan that works for you !

“I have not failed. I’ve just found 10,000 ways that won’t work.” – Thomas A. Edison

I am not here to tell you the meaning of Beyoncé’s latest release . I am here to tell you to stop drinking lemon juice , get like Beyoncé and get your lemonade on !!!

Continue to “Just Sit Pretty” it is almost summertime so you might as well grab a lemonade while your at it =)

Deals of the Week


blog deal week

Happy Friday everyone !!! So starting today , every Friday ,  I will be posting all of the deals and money makers I have made from the week .  This week has been pretty awesome because I was able to spend some time with my family . We made MONEY while spending time together !! OH YEAH !! So let’s get started with a list of deals I took advantage of this week .

  • Complementary sample of AVEDA Stress Fix body creme (.34 fl oz )
  • Payment from a focus study attended this week .
  • $10 E GIFT CARD to Barnes and Nobles also from the focus study .
  • $75.00 Visa Prepaid Card from previously blogged company Inspired Opinions by Schlesinger) ** UPDATE I RECEIVED PAYMENT**
  • Victoria Secrets Panty and Bralette for $1.36 . (Bralette not pictured)
  • Complementary Purely Fancy Feast Cat Food (2 oz)
  • A perfect sister day with Complementary Martinis  at Blue Martini  along with a Brio Tuscan Grille Tuscan Pork chops dinner for $8.60. The pork chops here are AMAZING , You will thank me later !!


We are enjoying family time while making money !




Sister day ….. Just Sitting Pretty !

If you would like more important on any of these deals please comment below and I will happy to blog more information .  What would you like to see on Just Sitting Pretty Blog ? Please share and comment below .

” Respond to any call that makes your soul happy .” -Rumi


Saving money is very important to me . I feel so blessed to have the opportunity to show my family as well as my followers how to earn extra money and continue to Just Sit Pretty for Less !



Expectation vs Reality


Disappointment ,  where exactly does this emotion  come from ? Most people would say it comes from others . For example  ” My boyfriend disappointed me or  My friends did not show up that was disappointing . ” Disappointment does not come from other people , it comes from within. The number one reason disappointment happens in life is because of EXPECTATION  ! The REALITY is we are all different , we  cannot EXPECT anything from anyone .

 dee589322050fe1711c46009f58ce34e(This made me laugh , this is exactly how my hair looks when I attempt to braid LOL)

Monica B learns yet another lesson . I have always gone above and beyond for the people I love and care about .  I have helped others and given freely on many occasions. My EXPECTATION was if I ever needed anything they would do the same for me right ? WRONG ! As I get older I realize people will be who they are . Its up to you to  figure out if that particular person deserves your time and energy .

After I realized I have been playing  sucker to so many people , I didn’t get upset . I had  to admit my faults for putting such high expectations on certain  people and decided to do better.  I realized it is important to always act without expectation from others .You have to show other people how you want to be treated . If that person can’t understand the respect you are demanding in the relationship you have to   “DROP THEM”  better yet let them drop themselves …  BYE  ** Insert wave and hair flip**

” I keep my enemies close , I give em enough rope . They put themselves in the air ,  I just kick the chair.” – Jay-Z (Dig a Hole)

Even though I am going through my own storm I remain positive not expecting anything from anyone.  Because the funny thing about them tables is well …… they always TURN !

Until  next time continue to “Just Sit Pretty”


Earn Extra $$$


I created this blog not only to share some of my life experiences but to also show you how I save and make extra money .This is NOT meant to replace your main source of income . If you find yourself having a some free time and enjoy making a difference by providing your opinion to companies , I encourage you to check this out .


Inspired Opinions by Schlesinger is an online community where you have the potential to make money by participating in research studies . You may participate in these studies three different ways .

  • In person at one of our 14 offices across the US ( Unfortunately not in Nevada for all of my local followers)
  • Over the telephone
  • Online from  a computer anywhere in the world

For offering this market research company your time and effort you can be rewarded with cash or reward points . Every 100 points you earn $1 . Once you earn enough points you can cash them in for rewards that range from $5-$100.

Regarding online surveys , focus groups are the top paid. I was recently asked to participate in a focus study paying $75.00 for 60 minutes of my time . Keep in mind online participants must wait 4-6 weeks for payment . When I receive payment , I will update this post .


Schlesinger Associates provides market research to companies that want to know the honest opinions of potential influences in the marketplace. The best part is it is FREE to join .  Joining is easy and only takes a few minutes. Please keep in mind you must be at least 18 to join . Please click the link below to join or to read more information  about the company .


If you sign up and are asked to participate in a study , please share your experience . I would love to hear from you .

” Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand

Until next time , continue to Just Sit Pretty ….