5min readPeople 06 February 2019
As a self-proclaimed “ingredient junkie," Robin Shobin is exactly the woman you'd want to rely on for wellness products that work.
After fourteen years at J.P Morgan, the ambitious Cornell graduate decided to leave finance to carve her own path in the wellness world, founding Charlotte's Book. Charlotte's Book is a website chock-full of not just wellness brands, but also of sage advice. Experts in the field, such as doctors, nutritionists, aestheticians, and celebrity trainers have contributed to the site, either by writing content or by ensuring the efficacy of whichever products are promoted. The idea sprung from her own struggles finding the time to properly research wellness and beauty products prior to purchasing them. Now busy women can efficiently read up on worthwhile products through Shobin's user-friendly site.
“At Charlotte's Book I really try to always maintain our unique voice. Because the internet is so crowded with content, your point of view is all you have."
Beyond informative, expert content, Charlotte's Book has an enriching POV section. Well-known beauty guru, Bobbi Brown wrote one of Shobin's favorite pieces, called “Musings of a Curious Mind," in which she writes notes to her younger self. “This is the content I am most proud of," Shobin says, continuing to mention a second standout article written by April Gargiulo, founder of Vitner's Daughter, known for their famous Active Botanical Serum. These articles touch upon life lessons and aging, the topics that don't fit the wholly-factual bill, but are just as important to readers for their wisdom and relatability.
Shobin began caring about fitness and leading a healthy life when in her late twenties. “I realized that it's not so much about being thin, but more about feeling good," Shobin says. “And I realized that when you are working out and putting good things in your body, you just feel better. It's that simple." While Charlotte's Book does offer a plethora of options for high-quality, effective products, those products are not Shobin's own, which leads to her second great post-baking endeavor: HALO Sport, a groundbreaking energy drink, surpassing several brands in electrolyte density.
“I was always searching for something other than water that would help replenish and refuel the body after an intense workout," Shobin says. “A smoothie in theory sounds healthy. It's filled with antioxidants and is a delicious treat to drink after a workout, yet it's also filled with sugar."
Shobin then got the itch to formulate what she'd been missing.
With a team of advisors ranging from esteemed doctors to dieticians, Shobin co-founded HALO Sport. It is not your average energy drink laden with either artificial flavoring or other adverse additives, it is a 10 calorie super drink with more than 70 minerals naturally sourced from the Great Salt Lake of Utah.
It comes in three USDA certified organic flavors, lemon, lime, and pink grapefruit, each with a base of reverse osmosis water and lemon juice. Skeptics, let it be known that Shobin does not just sell her product, she uses it. As an active person dedicated to exercising at least 4 or 5 times a week, Shobin grabs HALO as her hydrating boost after yoga or strength training.
“Being able to see what is on the forefront of wellness is incredibly exciting. I don't regret my time at J.P. Morgan one bit, but the change of scenery from oil wells to the latest supplements is a welcome one."
What is HALO's secret ingredient? The amla berry, also known as the Indian gooseberry. Amla berries are rich with heart-healthy antioxidants and were utilized in ancient Indian Ayurvedic rituals. t's time for the ever-popular goji berries to step aside, and for HALO's amla berries to take over.
One of the most rewarding parts of entering the wellness space for Shobin was the opportunity to connect with countless determined businesswomen. “In finance I worked primarily with men," Shobin admits. “So I feel very honored to get the chance to meet with so many amazing women doing inspiring things. I know that sounds corny, but to be honest it's true."
It isn't always easy to stay on top of your finances, especially when you have developed unhealthy spending habits over the years. However, as you begin to realize the many benefits of having healthy finances, it can become something you want to make a conscious effort to improve. When your finances are in a good place, you often have access to better opportunities whether it be a mortgage loan, greater credit line or business loan. On that note, here is how you can become an expert at managing your finances in case you need a few tips.
Learn to Use Technology
The good thing about managing finances in the technological age is that you don't have to do it alone. There are so many apps available that will help you pay bills on time and track your expenses. For instance, some apps force you to live within your actual income and tell you what to do when you need to balance your budget.
If you need an app that will help you get better at saving, then some will set aside your spare change for you. Also, don't be afraid to use more simple tools such as your smartphone calendar to set reminders about payments if you don't automate them.
Seek Legal Advice
Sometimes, being an expert at something means understanding that you can't possibly know it all. This is why you have professionals around you that can help fill in the gaps where you're lacking. Consider hiring a legal firm to help with any challenges that are beyond you. Lexington Law is a good firm as they could help remove negative items from your credit report. Read this Lexington Law Review (Our #1 Credit Repair Service of 2019) to find out more about how they could help improve your finances.
You can't do better than what you know when it comes to managing finances. You should, therefore, invest your time in learning more about finances and how to manage them. Think about what your goals for your finances are and what knowledge gaps you need to fill.
For example, if you want to invest in the stock market so that you can improve your net worth, then you may need to learn more about investing to do so successfully. To boost your knowledge, try reading articles on credible blogs that share finance information from professionals. Also, be weary of content from finance-driven companies as it could be biased.
Work on Growing Your Income
As a self-proclaimed finance guru, you know that the more sources of income that you have, the better. Work on increasing your streams of income so that you have more money to meet your targets whether it's to save for a property or put larger sums towards retirement. One way to do so would be by getting extra income by doing social media marketing for businesses or creating tutorials on YouTube. If you own a property, renting out rooms is a great way to make passive income.
Live Within Your Means
It can be difficult to live within your means when you live in a society that is always presenting you with things to buy. However, being more conscious about the things that you purchase could help you realize that most are wants rather than needs. To live within your means, always take time to think about a purchase as opposed to impulse spending. You should always get good at bargain hunting as many times you can find items of similar quality at a cheaper price.
Learn How to Manage Debt
Debt doesn't have to be a bad thing if you understand how it works and how to manage it. It can be a tool for credit building when you understand the fundamentals. For instance, if you take out a loan or credit card, always be mindful of your interest rates.
By paying the amount of money you borrowed back in full before the due date, you won't have to pay interest on what you borrowed. If you can't pay back in full, paying more than the minimum payment will ensure you incur less interest. For the most part, the secret to good debt management is never spending more than you can afford to pay back.
Managing finances is a life skill that can help improve your quality of life. By following the mentioned tips and taking your finances more seriously, you're more likely to master the art of healthy finances.