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  • Best Wellness Resort in Costa Rica

    Best Wellness Resort in Costa Rica

    Best Wellness Resort Retreat Costa Rica

    During a week-long wellness trip to Costa Rica for my birthday, I had the pleasure of staying at The Retreat Costa Rica. The Retreat Costa Rica is a luxury boutique wellness resort nestled in the lush mountains of Atenas. It is the peaceful sanctuary you didn’t know your soul needed. From holistic healing rituals to farm-to-table dining and stunning views of the Pacific coastline, this wellness destination is perfect for those craving a reset for their mind, body, and spirit. Keep reading to see why you need to add The Retreat Costa Rica to your wellness travel list.

    WARM WELCOME & INTENTIONAL SERVICE

    From the moment we arrived at The Retreat, everything felt intentional. The herbal welcome drink and the heartfelt smiles that greeted us at check-in. It wasn’t just service; it was soul care. We were given a peaceful tour of the serene property before settling into our elegant, minimalist suite that overlooked the mountains. Every staff member was genuinely invested in our wellness journey. Whether it was a spa treatment, an emotional healing session, or plant-based meals, they remembered the smallest details and treated us with care. We also received a free water bottle and tote bag in our suite upon arrival.

    TRANQUIL COSTA RICA MOUNTAIN VIEWS & NATURE IMMERSION

    Unlike other wellness resorts, The Retreat offers mountaintop magic. Located 45 minutes outside of San José, the views from the infinity pool, yoga deck, and even the bathtub are simply breathtaking. Morning walks through the botanical gardens, with sunrise meditations overlooking the rainforest and waterfalls below. At The Retreat Costa Rica, the sound of birdsong is your daily soundtrack. The rainforest sound is nature therapy at its finest.

    HOLISTIC WELLNESS RESORT EXPERIENCES

    Wellness at The Retreat is not just physical. It’s emotional, spiritual, and energetic. We experienced a variety of healing activities, including sound healing, hiking, breathwork, yoga, meditation, sauna, and a crystal-infused saltwater pool. There’s even a full healing center with integrative medicine practitioners on-site. My favorite moment? A slow, restorative yoga session at sunset, followed by a deep tissue heart-opening massage. As a result, I left feeling lighter physically and emotionally.

    INTIMATE AMENITIES DESIGNED FOR HEALING

    The property is intentionally small, which means fewer crowds and more serenity. The Retreat features an open-air fitness studio, an apothecary kitchen where you can take cooking classes, a healing spa with ayurvedic therapies, and a stunning infinity pool with views that stretch to the ocean. There are cozy nooks for journaling, reading, or simply breathing in peace. Everything is designed to help you slow down and restore balance.

    GOURMET PLANT-BASED DINING

    OMG!!! Dining at The Retreat is an experience on its own. The on-site restaurant, Sol Terrace: Nature’s Gastronomy, offers fresh, organic, anti-inflammatory farm-to-table meals sourced directly from the garden and local farms. Each dish was not only nourishing but beautifully plated. As a frequent plant-based eater, I felt seen and celebrated. Every meal was colorful, flavorful, and filling. And yes, they offer fresh coffee that is grown on the farm, herbal teas, and fresh-pressed juices daily. A foodie’s wellness dream! There was not one meal that did not excite my taste buds. My favorite surprise was the gluten free, sugar free, dairy free treat they placed on our pillows at night during turn down service.

    In short, if you’re dreaming of a reset rooted in healing, nature, and luxury, The Retreat Costa Rica will absolutely exceed your expectations. If you’ve been or plan to go, tag me in your photos and let me know which wellness ritual was your favorite. For more travel guides and style inspiration, check out my other Travel posts here. Also, stay tuned for my next blog post where I will be showing you what I wore in Costa Rica (with shoppable links). You don’t want to miss it! Until next time stay healthy and blessed.

  • The Incredible Phuket Travel Guide: 10 Amazing Things to do on Your Dream Thailand Getaway

    The Incredible Phuket Travel Guide: 10 Amazing Things to do on Your Dream Thailand Getaway

    If Phuket, Thailand isn’t already on your bucket list then go ahead and grab a pen. This dreamy tropical escape serves beachfront views, island adventure, and cultural vibes all in one swoop. Whether you’re planning a girls’ trip, baecation or a solo wellness escape, this blog post is your go-to guide for the most unforgettable things to do for an Incredible Phuket Thailand Getaway. And yes, I sprinkled in a mix of luxury, fun, culture, and photo-worthy moments that’ll have your IG glowing.

    Ready to plan the trip of a lifetime? Let’s dive into the 10 must-do experiences that’ll make your Phuket Thailand getaway absolutely unforgettable.

    1. Island Hop to Paradise on a Phi Phi Islands Tour

    No trip to Phuket is complete without exploring the famous Phi Phi Islands. Think crystal-clear water, white sand beaches, and snorkeling with tropical fish. Whether you go by speedboat or longtail (we took a speedboat), this tour will have your heart racing with every wave. Tip: Take plenty of Dramamine before you take the tour to prevent motion sickness.

    2. Rev It Up with an ATV Jungle Tour

    Take your trip off the beaten path (literally) with an ATV adventure through Phuket’s lush jungle trails. Expect muddy fun, stunning views, and all the thrill your heart can handle. Don’t forget your sunglasses and a bandana—you’re gonna need ‘em. We also hopped on a huge swing and swung over the jungle of Phuket. Talk about a THRILL! Tip: Wear sunscreen and bug spray because the mosquitos are relentless.

    3. Eat, Sip & Play at Yona Beach Club

    Imagine sipping fresh coconut water on a floating beach club in the middle of the Andaman Sea! Yes, it’s as awesome as it sounds. Yona Beach Club is where luxury meets beach club. Picture tropical drinks, stunning views, and luxury lounging. Book your cabana in advance, babe. Tip: The music was the same rave type music all day long so do not expect Drake or current hits.

    4. Get Lost in the Beauty of Ma Doo Bua Cafe

    This hidden gem feels like walking through a real-life fairytale. Ma Doo Bua Cafe is known for its massive lotus leaves floating in the lagoon water. Some lily pads are massive. Grab a refreshing drink, strike a pose, and soak in the peaceful beauty. Tip: Go early so you aren’t out snapping photos in the heat of the day.

    Lily Pad vibes
    Lily Pad Long Boat

    5. Unleash Your Wild Side at Tiger Park

    Ready for a once-in-a-lifetime moment? At Tiger Park, you can get up close and personal with real tigers. It’s safe, guided, and totally surreal. You’ll want to prepare for all the feelings—excitement, awe, and maybe a little adrenaline rush.

    6. Dine Like Royalty at Black Ginger Restaurant

    This isn’t just dinner! It’s an experience. Black Ginger sits on its own floating pavilion in a gorgeous lagoon. You literally arrive by a hand-pulled raft. The ambiance is rich with Thai elegance and the flavors are just chef’s kiss. Be sure to dress the part, because this spot is a major photo op.

    7. Dine in the Trees at Three Monkeys Restaurant

    Three Monkeys Restaurant is a whole mood. Nestled in the jungle with dreamy views, this treehouse-style restaurant blends luxury with nature. From delicious Thai dishes to creative cocktails, it’s the perfect spot for a romantic dinner or chill lunch out with the crew. Tip: Reservations must be made 24 hours in advance or you will be waiting for a table.

    8. Feel the Heat at a Muay Thai Boxing Match

    You haven’t really experienced Thailand until you’ve seen a live Muay Thai fight. The energy is electric, the crowd is hyped, and the tradition runs deep. It’s a cultural must-see event and honestly, you’ll leave feeling a little more powerful yourself.

    9. Stroll, Shop, & Snack at Old Towne Market

    Colorful colonial buildings, charming cafés, street art, and local vendors make Old Towne Market a vibe. Grab some fresh mango sticky rice, shop handmade goods, and snap pics in front of the Insta-famous pastel walls. It’s the perfect mix of culture and chill.

    10. Shine Bright at the Gem Gallery

    Thailand is known for its dazzling gems, and the Gem Gallery in Phuket is the sparkle queen. Whether you’re just browsing or treating yourself (hello, travel keepsake!), you’ll love learning about the gem-cutting process and maybe even walking away with a lil’ bling. I snagged a set of fresh water pearls for my mom.

    BONUS: Find Your Peace at Phuket’s Iconic Temples

    Need a quiet moment to reflect or just love the beauty of sacred spaces? Visiting the temples in Phuket is a must. From the grand Big Buddha (we could only view it from behind because the walkway was being repaired) towering on Nakkerd Hill to the intricate architecture of Wat Chalong, these spots offer a peaceful break from the adventure. Wear modest clothing, slip off your shoes, and take in the serene energy. It’s the perfect way to connect with Thailand’s spiritual roots and get a few stunning pics while you’re at it.

    Let’s Wrap It Up!

    Phuket is one of those places that awakens your soul, whether you’re chasing adventure, indulging in luxury, or immersing yourself in a new culture. From floating beach clubs to jungle adventures and tiger selfies, this Phuket Thailand getaway gives main character energy at every turn.

    Planning Tip: I recommend spending at least 5–7 days in Phuket to soak in all the joy without rushing. And don’t forget your passport, comfy sandals, fan, sunscreen, and your love for new adventures.

    Loved this Phuket Thailand Getaway guide? Share it with your travel bestie or tag me on Instagram (@loveleetoya) when you check something off this list. I need to see your looks and adventures! Check out more of my travel adventures here. Lastly, stay tuned to my Instagram for behind-the-scenes updates from my Phuket adventures. Until next time!

  • The Secret to Luxuriously Soft and Glowing Skin

    The Secret to Luxuriously Soft and Glowing Skin

    My Winter-Ready Skincare Routine

    The Secret to Luxuriously Soft, Glowing Skin (Even in the Winter!)

    If there’s one thing I constantly hear besides “You look lovely!”, it’s this: “Toya, your skin is so soft!” And honestly, both compliments go hand in hand because your skin should be the foundation of looking great in your clothes. Also, I love hearing it because who doesn’t want skin that feels as good as it looks? It’s especially rewarding in the winter when dry, dull skin can feel inevitable. But let me tell you, the winter struggle is not my story—and it doesn’t have to be yours either.

    Today, I’m spilling the tea (or should I say the oil?) on my ultimate secret to luxuriously soft, hydrated, glowing skin. Ready for it? It’s all thanks to two game-changing products: Nivea Essentially Enriched Body Lotion with Deep Nourishing Serum & Almond Oil and Aveeno Daily Moisturizing Oil Mist.

    Let me break down how these two products are the perfect dynamic duo for your skin.

    Step 1: Nivea Essentially Enriched with Deep Nourishing Serum & Almond Oil

    This lotion is nothing short of magical. Infused with almond oil and a deep nourishing serum, it’s incredibly rich but absorbs like a dream. After a shower or bath, I generously massage it into my damp skin. Not only does it lock in moisture, but it leaves my skin feeling like velvet—soft, smooth, and hydrated all day.

    The secret is in the almond oil, which works wonders for restoring skin’s natural glow and elasticity. Plus, the deep nourishing serum ensures that the hydration doesn’t just sit on the surface—it penetrates deep for lasting moisture. This lotion is like a spa day in a bottle, and trust me, your skin will thank you!

    Step 2: Aveeno Daily Moisturizing Oil Mist

    Here’s where the glow magic happens! Once the Nivea lotion is fully absorbed, I spritz on the Aveeno Daily Moisturizing Oil Mist. This lightweight oil mist seals in all that moisture from the Nivea lotion while adding an instant luminous finish to your skin.

    It’s not greasy or heavy—just pure glow that looks effortless. The oat-based formula soothes and protects your skin barrier, making it perfect even for sensitive skin. I love how it leaves my arms and legs with that subtle, dewy shine that catches the light in all the right ways.

    Why This Combo Works Like Magic

    The combination of these two products is a match made in skincare heaven. The Nivea lotion provides deep, long-lasting hydration, while the Aveeno oil mist locks in the moisture and adds that extra luxurious glow. The result? Skin that feels soft to the touch and looks radiant—even in the driest winter months.

    My Winter Glow Routine in Action

    I follow this routine religiously, and the compliments just keep rolling in. Friends, family, even strangers can’t help but ask what my secret is. (“Your skin is SO soft!” “How do you get it to glow like that?”) My answer? Consistency and these two holy-grail products.

    And let’s be honest: there’s nothing better than feeling confident in your skin. Whether I’m rocking a cozy sweater dress or lounging in my favorite PJs, I know my skin is glowing under all those layers.

    Your Turn to Glow

    If you’ve been searching for a simple yet luxurious way to upgrade your winter skincare game, this is it. Run—don’t walk—to grab these two products: Nivea Essentially Enriched Body Lotion with Deep Nourishing Serum & Almond Oil and Aveeno Daily Moisturizing Oil Mist.

    Your skin will thank you, and so will everyone who can’t resist asking, “What’s your secret?”

    What’s your go-to product for glowing, moisturized skin? Let me know in the comments below.

    Until next time, stay LOVELY, stay faithful, stay focused, and stay fabulous! Check out our other blog posts HERE.

  • How to Look High-End on a Budget

    How to Look High-End on a Budget

    Affordable Fashion Tips for Women Who Want to Effortless Elegance Without Breaking the Bank

    Let’s face it: we’ve all been there. Standing in front of the mirror, wearing the latest “fast-fashion” outfit you snagged online, only to feel like it’s screaming, “I got this on sale.” It’s frustrating, ain’t it? You want to feel confident and stylish, but finding high-end looks within your budget can feel like searching for a needle in a haystack. You don’t just want to look good; you want to FEEL good—without the fear of looking “cheap” or out of touch with today’s fashion trends.

    The good news? It’s absolutely possible to look like a high-end without spending a bag ($1000 USD). You don’t need a designer budget to turn heads—you just need the right strategy. Let’s dive into some tried-and-true affordable fashion tips to elevate your style to look high-end on a budget.

    1. Invest in Timeless Staples

    High-end fashion isn’t about chasing every trend; it’s about having a curated wardrobe of timeless pieces. Think a well-fitted blazer, classic white button-down, tailored trousers, or a little black dress. These staples are the foundation of a chic wardrobe and can be dressed up or down. Bonus tip: opt for neutral colors like black, white, beige, and navy—they always look sophisticated. Grab you free wardrobe staples checklist HERE.

    2. Pay Attention to Fabrics

    Nothing screams luxury like quality fabrics. When shopping, feel the material. Look for cotton, linen, silk blends, or even high-quality faux leather instead of polyester or shiny synthetic materials that can cheapen (I think I made that word up) your look. You’ll be surprised at how elevating your fabric choices can make your outfit appear far more expensive.

    3. Accessorize Like a Pro

    Accessories are the G.O.A.T. of high-end style. A structured handbag, sleek belt, or minimalistic jewelry can instantly elevate your look. Thrift stores and online second-hand retailers are goldmines for finding high-quality, affordable accessories.

    4. Tailoring Is Everything

    Even the most expensive designer piece can look off if it doesn’t fit right. On the flip side, a $20 dress can look custom-made with a little tailoring. Find a reliable tailor and watch your wardrobe transform into a collection of bespoke pieces that fit like a glove.

    5. Master the Art of Monochrome

    Wearing one color from head to toe creates an effortlessly chic look. Monochrome outfits—especially in neutrals—exude sophistication and elongate your silhouette. This simple trick works wonders and is easy to pull off, even on a budget.

    6. Shop Smart (and Strategically)

    Sign up for alerts from your favorite brands to snag deals and discounts. Don’t shy away from thrifting or renting clothes for special occasions. Platforms like “Covered in Luxe” style boxes are perfect for curating a high-end look without the hefty price tag. And when you do shop, prioritize quality over quantity. One well-made blazer is worth more than five poorly constructed tops that will fall apart after a few washes.

    7. Confidence Is Key

    No matter how much you spend on your outfit, the ultimate accessory is confidence. Stand tall, smile, and own your look. Remember: true style isn’t about the price tag; it’s about how you carry yourself.

    The Bottom Line

    Looking high-end doesn’t have to mean spending a fortune. By investing in timeless staples, focusing on quality, and mastering a few styling tricks, you can create a wardrobe that’s equal parts elegant and budget-friendly. You deserve to look and feel amazing, no matter your budget—and now you have the tools to make it happen.

    What are your favorite ways to elevate your style on a budget? Drop your tips in the comments below—we’d love to hear them!

    Also, visit us at CoveredInLuxe.com to join the Style Crew and discover how luxurious simplicity can transform your style and your life.

    Best part is you first month is FREE!!!

    Until next time, stay LOVELY, stay faithful, stay focused, and stay fabulous! Check out my other fashion blog posts HERE.

  • Discover Zanzibar: 10 Unforgettable Experiences You Can’t Miss

    Discover Zanzibar: 10 Unforgettable Experiences You Can’t Miss

    Welcome to Zanzibar, a stunning island off the coast of Tanzania that boasts an incredible blend of rich history, vibrant culture, and breathtaking natural beauty. I recently embarked on an unforgettable experience of a lifetime to Zanzibar for my 40th birthday celebration. The journey was truly remarkable and I wanted to share those experiences. Whether you’re an adventure seeker or a relaxation enthusiast, Zanzibar offers something for everyone. Here are 10 must-do experiences that will make your visit truly unforgettable.

    1. Stone Town Tour

    Start your journey with a tour of Stone Town, the historic heart of Zanzibar. Wander through its narrow, winding streets, marvel at the intricate wooden doors, and soak in the vibrant atmosphere of the local markets. We visited the Slave Trade exhibit and it’s history was so overwhelming and sad. However, don’t miss the chance to visit the first church in Zanzibar and the old fort to delve into the island’s fascinating history.

    2. Sunset Dhow Cruise

    Experience the magic of a Zanzibar sunset on a traditional dhow cruise. Set sail from Stone Town as the sun dips below the horizon, painting the sky with hues of orange and pink. Sip on refreshing drinks, enjoy local music, and watch as the island’s coastline transforms under the twilight.

    3. Cave Swimming

    For a unique adventure, head to Kuza Cave on the Jambiani coast. This hidden gem offers crystal-clear freshwater pools perfect for a refreshing swim. The cave’s serene ambiance and natural beauty provide a tranquil escape from the bustling beaches.

    4. Sandbank Picnic

    Embark on a boat trip to one of Zanzibar’s pristine sandbanks for a day of sun, sea, and sand. Enjoy a picnic on the powdery white sands, surrounded by turquoise waters. Snorkel in the shallow reefs, sunbathe, and relish the serene beauty of this secluded paradise.

    5. Snorkeling in Mnemba Atoll

    Mnemba Atoll, a marine conservation area, is a snorkeler’s paradise. Dive into the clear waters and explore vibrant coral reefs teeming with colorful fish, sea turtles, and other marine life. This underwater adventure promises an unforgettable glimpse into Zanzibar’s aquatic wonders.

    6. Swimming with Turtles

    Visit the Mnarani Marine Turtles Conservation Pond in Nungwi, where you can swim with these gentle giants. Learn about conservation efforts while enjoying a rare opportunity to interact with and feed the turtles in their natural habitat. This was my favorite adventure because it was soul nurturing to be with the turtles

    7. Visit The Rock Restaurant

    Perched on a rock in the Indian Ocean, The Rock Restaurant offers a dining experience like no other. Accessible by foot during low tide and by boat at high tide, this unique restaurant serves delicious seafood dishes with panoramic ocean views. Be sure to make a reservation for an unforgettable meal.

    8. Secret Garden at Emerson Spice

    Hidden within the walls of Emerson Spice Hotel in Stone Town, the Secret Garden is a lush, tranquil oasis perfect for a relaxing evening. Enjoy a candlelit dinner under the stars, surrounded by fragrant flowers and exotic plants. The garden’s serene ambiance and gourmet cuisine make for an enchanting dining experience. We endulged on a delicious seafood feast that was very flavorful and fresh.

    9. Clear Kayaking and/or Jet skiing

    For a unique and immersive experience, try clear kayaking or jet skiing in Zanzibar’s pristine waters. This activity allows you to explore the underwater world from the comfort of a transparent kayak, giving you a front-row seat to the vibrant marine life beneath the surface. Unlike traditional kayaks, clear kayaks offer unparalleled visibility. As you paddle through the calm, turquoise waters, you can see colorful coral reefs, schools of tropical fish, and even sea turtles gliding below you. It’s like having a personal window to the underwater world. It was so relaxing that I almost fell asleep paddling.

    Conclude your Zanzibar adventure with an early start to your day and head out to the pristine waters surrounding Mnemba Island. Known for its resident pods of dolphins, this area offers a high chance of spotting these playful creatures. Watch as they swim alongside your boat, leaping and diving in the crystal-clear waters. It’s an exhilarating experience for wildlife enthusiasts and nature lovers alike. We even hopped in the waters to observe them in their natural habitat, but they kept swimming away from us.

    Zanzibar is a treasure trove of experiences waiting to be discovered. From historical tours to marine adventures, each activity offers a unique glimpse into the island’s charm and beauty. Plan your trip now and immerse yourself in the wonders of Zanzibar!

    *Note: I hired a tour guide to book each experience which also included transport to each experience and airport transfers. It was the best decision I made for this trip because we did not have to worry about what to do day-to-day or transportation.

    Conclusion:

    Whether you’re exploring the historic streets of Stone Town or diving into the crystal-clear waters of Mnemba Atoll, Zanzibar promises an unforgettable adventure. Embrace the island’s diverse offerings and create memories that will last a lifetime. Check out more of my travel adventures here. Also, watch more of my Zanzibar adventures on my Instagram here. I created a “Tanzania” hightlight pinned at the top of my profile. See you soon, friend.

  • How to Become Debt Free

    How to Become Debt Free

    Hey Lovelies! I’m so excited about becoming debt FREE! Today, I want to share with you my spiritual and practical journey to becoming debt-free and building wealth. Grab a hot cup of tea, because we’re about to dive into a transformative lifestyle that’s not just about money – it’s about aligning your finances with your faith and values. It’s been emotional for me on this journey but today I’m embracing Debt-Free Living. In this post are the steps and strategies I applied to achieve Financial Freedom and create wealth.

    Backstory on My Desire to Become Debt-Free

    Let me start by saying this: My financial journey is a spiritual journey. I made a vow to God and myself that I would faithfully tithe my first 10 percent to the ministry and asked God to show me how to get out of debt. I meditated on this scripture from Deuteronomy 15:6: “The Lord your God will bless you as he has promised. You will lend money to many nations but will never need to borrow. You will rule many nations, but they will not rule over you.” This verse became my guiding light, reminding me that financial freedom is not just a dream but a promise waiting to be fulfilled.

    My journey to wanting to become debt-free started in 2019 when I did the “Live Richer Challenge” with Tiffany Aliche. One of the exercises in the book is to calculate your net worth. That exercise uncovered that I was over $200,000 in debt. I know you are thinking “Whoaaaaa!” As terrible as it sounds, I thank God for that exercise. It was an eye-opener seeing the state of my finances in black and white. I immediately cried and felt called by God to transform my financial situation.

    Step 1: Pray/Tithe

    Start by surrendering your finances to a higher power. Whether you call it God, the Universe, or something else, invite divine guidance into your journey. Commit to tithing your first 10 percent and trust that God will show you the way. My local church started a “Tithing Challenge”. I had never faithfully tithed before starting this challenge. My faith was tested in so many ways but I really trusted that God would provide. I began to tithe my first 10 percent of my income and every since then I have NOT lacked in my finances. God continued to increase my territory and my income because I trusted that he would provide for me and my family.

    Step 2: Budget

    Next up, it’s time to get REAL about your money. Sit down, crunch those numbers, and create a monthly budget that aligns with your goals and values. Track your income, expenses, and debt payments religiously – this is your roadmap to financial freedom. I used a very basic budget sheet (my son calls it “a lil budget sheet”) every month to track my finances. You can access a copy here. Also, Ramsey Solutions has a free net worth calculator here.

    Step 3: Increase Income

    Now, let’s talk hustle and creating additional streams of income. If you’re serious about getting out of debt, you’ve got to be willing to put in the work. That might mean getting a second job, freelancing, starting a side hustle – whatever it takes to boost your income and accelerate your debt repayment journey.

    Personally I was already in the Air Force reserve with an additional stream of income. However, I needed to increase my income even more if I wanted to expedite getting out debt. I became a content creator. I started out doing this as a hobby and began to make money working with major brands that I use every day like New York & Company, Spanx, The Lip Bar, Body Complete RX and many other partnerships in exchange for free products. If you want to know more about becoming a content creator, I’ve created an e-book that gives you the secrets on how to make money online as a content creator. Grab your copy HERE.

    Step 4: Develop a Debt Repayment Strategy

    One of the most effective strategies for paying off debt that I used is the snowball method. Start by listing your debts from smallest to largest, then focus on paying off the smallest debt first while making minimum payments on the rest. Once that’s paid off, roll the amount you were paying on the smallest debt into the next smallest debt, and so on. It’s a snowball effect that gains momentum with each payment – before you know it, you’ll be debt-free!

    Create goals. Make the vision plan and clear. Below is my actual Goals in 2021. ALL of it came to fruition.

    Step 5: Avoid Taking on New Debt

    Last but not least, commit to a debt-free lifestyle by avoiding the temptation to take on new debt. I back-slid a few times, but do as I say not as I do, Mmmkay. Cut up those credit cards, resist those impulse buys, and prioritize saving for the things you want instead of relying on loans and credit. Use cash, I used the cash envelope binder method to avoid using my credit cards.

    Once I paid off all my credit card debt, the last piece of my debt was student loans. I have worked in public service for years in hopes that once I made 120 consecutive payments my student loans would be forgiven. I used to tell folks “My student loans are for the LORD! Ain’t no way I’m paying all that.” It felt like this was the longest part of my journey. In 2024, by my Father God in heaven, my student loans were 100% forgiven. $64,000 in student loan debt GONE. I danced, cried and shouted for joy. God is so GOOD!

    Conclusion

    Remember, it takes discipline and sacrifice to achieve financial freedom. For me, it meant joining the AF reserve, starting a blog for extra income, missing family events and working weekends while others were off. I had to grind hard, even when I didn’t want to, to show the Lord I was willing to do the work – and he did the rest.

    Now, I am living my DEBT-FREE, retired, dream life traveling the world and not worrying about looming debt. (NO car note, NO credit card debt, NO loans, NO mortgage, NO I-owe-you’s)

    So, to my lovely peeps who are striving to be come debt-free, let’s keep praying, budgeting, hustling, strategizing, and staying disciplined on this journey. Remember, it’s not just about the money – it’s about living a life of abundance, purpose, and freedom. If you have any questions or need any advice please don’t hesitate to email me. Also, share this blog post with others. I want to see us all live in financial freedom.

    Until next time, stay LOVELY, stay faithful, stay focused, and stay debt-free!

  • Mastering Style – 5 Ways to Wear a Rib Knit Set

    Mastering Style – 5 Ways to Wear a Rib Knit Set

    Hey lovelies! 💖✨ It’s beautiful outside and today I’ve got some major style inspo coming your way.

    Ready to Slay All Day!!!

    We’re diving into the fabulous world of fashion with a gorgeous cream & black rib knit skirt and sweater set from H&M, and we’re doing it the @loveleetoya way – because who else knows how to slay an outfit better. 🌟 So, buckle up and get ready to turn heads with these five killer ways to rock this chic ensemble!

    1. Weekend Brunch Perfection Keep it sweet and simple for a weekend brunch with your besties. Slide into some cute ankle boots, throw on nice shoulder bag, and you’re brunch-ready! Laid-back weekend style is all about embracing comfort without compromising on style. 🌻🥂

    2. Casual Chic Vibes Pair your rib knit sweater with some denim jeans and oversized sunglasses for that effortlessly cool and casual look. You could also toss on a denim jacket for an extra layer of style. Casual vibes all the way – comfortable, chic, and ready for a day out on the town! 🛍️💕

    3. Boss Babe in the Boardroom Transform your knit set into office glam by adding sleek black trousers, a blazer and pointed-toe heels. Opt for a bold red lip to bring out the power in your outfit. Watch out world, because sophisticated and boss babe energy is about to take over the office! 💼🔥

    4. Cozy Coffee Date Heading out for a coffee date with bae? Wrap yourself in the knit sweater, throw on some knee-high boots, and accessorize with a statement handbag. Now you effortlessly have coziness with a touch of glam – perfect for sipping lattes in style! ☕💑

    5. Night Out Glam For a night on the town, amp up the glam factor by pairing your rib knit skirt with a sexy off-the-shoulder top and statement earrings. You could also add a leather jacket for that edgy touch. You will definitely own the night, with this look! 🌃💃

    There you have it, fashionistas! Five ways to slay in this chic cream & black rib knit skirt and sweater set, inspired by ya girl. Remember, fashion is all about expressing yourself, so don’t be afraid to add your own twist to these looks. Which one is your favorite? Drop a comment and let’s talk style! Shop this set here or shop my other looks here. Until next time, stay fabulous!

  • 10 Holiday Wellness Tips for Stress-Free Holidays

    10 Holiday Wellness Tips for Stress-Free Holidays

    The holidays come with glitter, gatherings, and glamorous moments. They also come with expectations, emotional triggers, and the pressure to “show up” even when your soul is asking for rest. And if we’re honest, many women walk into the season already tired. This year, I want you to enter the holidays with something deeper than a to-do list: I want you to enter with peace. Peace in your mind, peace in your spirit, and peace in your schedule. Here are wellness tips for a stress-free holiday to help you stay mentally healthy, grounded, and gracefully aligned during the busiest time of the year.

    1. Begin With a Centering Intention

    Before the holiday swirl begins, pause and ask yourself:

    • How do I want to feel this season?
    • What energy am I choosing to hold?
    • Where can I create stillness?

    Setting intention shifts you from surviving the holiday season to curating it, and you deserve that level of intentional living.

    2. Protect Your Peace With Grace-Filled Boundaries

    Boundaries don’t make you cold; they make you whole.

    If a gathering feels overwhelming, it’s okay to say no. If a conversation drains your spirit, it’s okay to redirect. If family dynamics feel heavy, it’s okay to step away and breathe.

    Think of boundaries as a warm blanket around your mental health; soft, supportive, and necessary.

    3. Keep a Daily Ritual That Brings You Back to Yourself

    A daily routine doesn’t need to be long. It just needs to be yours.

    Try:

    • A quiet prayer of gratitude before the house wakes up
    • A warm cup of herbal tea while journaling
    • A luxurious body oil routine after your shower
    • A deep breath of lavender aromatherapy

    These micro-moments anchor your nervous system and remind you that even during busy seasons, you still matter.

    4. Release the Holiday Comparison Trap

    Listen, nobody’s holiday looks as perfect as those 12-second Instagram clips and Facebook photos.

    Give yourself permission to release comparison and embrace your real, authentic life. Your joy does not have to match anyone else’s aesthetic. Your peace is personal, sacred, and completely yours.

    5. Nourish Your Body With Love, Not Limitations

    The holidays bring indulgence, and you are allowed to enjoy them. But your body still deserves kindness.

    Simple shifts like staying hydrated, honoring your hunger cues, resting when you need it, and eating real meals throughout the week to support your mental clarity and mood.

    The more you support your wellness, the easier it is to protect your peace.

    6. Budget in a Way That Honors Your Future Self

    Overspending steals joy faster than anything. Create a gift plan that is realistic, not stressful. Thoughtful, meaningful, or homemade gifts are often far more memorable than expensive ones.

    Remember: financial wellness is wellness too.

    7. Schedule Rest Just Like You Schedule Events

    You want to live a soft but the soft life requires intentional rest. Not accidental rest.

    Write it in your planner:
    • “Rest Night”
    • “Slow Morning”
    • “Cozy Reset Day”

    Resting isn’t laziness. It’s how you refill your cup so you can pour with love.

    8. Choose at Least One Joyful Moment That’s Just for You

    Not joyful moments for your partner, family, social media but just for your heart.

    Take a sunrise or sunset walk, dress up in an extravagant outfit just because, watch your favorite Christmas movie, or enjoy a solo date with your favorite pastry and a seat by the window.

    Your joy matters, and joy is healing.

    9. Surround Yourself With Safe, Supportive People

    Holiday wellness thrives in healthy community.

    Spend time with people who see you, hear you, and honor your boundaries. Even a quick call with someone who nourishes your soul.

    Lean into the relationships that feel warm, loving, and God-sent.

    10. Extend Yourself Radical Grace

    Maybe this season feels heavy, you’re healing or carrying quiet emotions no one knows about.

    Grace is your companion.

    You don’t have to show up perfectly, have the “holiday spirit” on demand, or hide your feelings to make others comfortable.

    You are allowed to be human; fully, gently, beautifully human.

    Conclusion

    The holidays don’t have to pull you in a million directions. With intention, boundaries, nourishment, joy, and grace, you can create a season that supports your mental wellness and aligns with who you are becoming.

    So this year, choose peace on purpose.
    Choose rest on purpose.
    Choose joy on purpose.

    Your mind, body, and spirit are worthy of a softer, calmer, more lovely holiday season.

    Until next time, stay LOVELY, stay faithful, stay focused, and stay fabulous! Check out our other blog posts HERE.

  • Stylish Vacay Outfits I Wore in Costa Rica

    Stylish Vacay Outfits I Wore in Costa Rica

    Stylish Costa Rica Vacay Outfits

    Whewww! Let me tell you, Costa Rica did not come to play, and neither did I when it came to these Costa Rica vacay outfits! After sharing my birthday trip recap in my Best Wellness Resort in Costa Rica blog post, I have to share what I wore?” You know your girl had to bring that LoveLeeToya style even while hiking and sipping smoothies poolside.

    Here’s a breakdown of everything I wore for my week in paradise, from slow mornings at the spa to scenic hikes and luxe dinners under the stars. Keep scrolling for feminine, comfortable, and effortlessly elevated vacation looks.

    ✨Sightseeing Chic Outfits

    Costa Rica is full of hidden gems, so comfy yet cute was the name of the game. For exploring local towns and grabbing fresh fruit at the market, I wore a lightweight linen dress in terracotta. It was breezy, breathable, and timeless. Paired it with raffia sandals and my straw hat (yes, the one I always bring on vacay).

    Pro tip: Neutral colors are your best friend while traveling. They mix and match like a dream and always look put together.

    ☀️Poolside Day

    You already know the poolside content was givinggg! I wore a Kelly-green two-piece swimsuit with gold ring details that hugged all the right places. I threw on black sheer cover-up pants, a printed head scarf and some oversized sunnies for that luxe, feminine touch.

    🧖🏽‍♀️Spa Day

    For my spa day, I stayed comfy in a soft crochet fringe dress in bright white. It gave “rich auntie on a wellness retreat” and that’s exactly the vibe I was going for.

    🌴Beach Babe Energy

    I’m a beach girl through and through, so I had to bring options. My fave was a bright orange monokini paired with a matching pants. I added a matching scarf for an effortlessly elevated beach look.

    Also brought a cream maxi dress to throw on after the waves for a seaside lunch. The open-back detail? Chef’s kiss.

    🧘🏾‍♀️Yoga Flows

    Early morning yoga with the jungle soundtrack in the background was a spiritual experience. I wore lots of activewear sets, and my favorite was these skirt-looking activewear shorts in a sage green shade paired with a white built-in bra tank. It’s soft, supportive, and doesn’t roll down mid-sun salutation.

    🥾Hiking with Style

    We hiked to the world famous Haceinda La Chimba and yes, it was giving Tomb Raider, but make it cute. I wore a grey biker short set while hiking, a white baseball cap, and an oversized button-up tied at the waist. My hiking boots were sturdy and cute (praise report).

    Once we made it to the top, I changed into a lovely tiered maxi dress, slicked my hair back, threw on a straw hat, tinted SPF, and felt both strong and stylish.

    Pro tip: Take a foldable backpack with a change of clothes so you can take photos along the trail.

    🍽️Dinner & Golden Hour

    Dinner time = glam time. One of my favorite outfits was a red balloon skirt and a white button-front vest. I paired it with strappy heels, gold teardrop earrings, and my Coach Pillow Tabby. The look was bright and vibrant, and it looked beautiful when photographed during dinner. The guests at the resort were like, “You look so lovely!” and they were right.

    Another night, I wore a floral wrap dress that gave “soft and sophisticated,” perfect for a quiet dinner by the fire pit.

    💆🏾‍♀️Spa Treatments & Self-Care

    For massages and slow mornings, sipping tea on my balcony, I kept it cozy but cute. Think matching loungewear, workout sets, and a silk headwrap. The resort provided us with 100% organic cotton plush robes, which provided a feeling of extra self-care.

    Finally, if there’s one thing I’ve learned from traveling, it’s that you don’t have to sacrifice style for comfort. Everything I packed for Costa Rica was aligned with my CALM life (Confident, Aligned, Luxurious, and Mindful). Shop all my looks HERE.

    Need help packing for your next girls’ trip or solo getaway? I got you. Drop your questions about my Costa Rica vacay outfits below or email me at info@foreverlovelee.com. And if you loved this post, be sure to check out the Best Wellness Resort in Costa Rica to see where I stayed! For more travel guides and style inspiration, check out my other Travel posts here.