#Financial Goals

[bitchesgetriches]

How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

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[creations-by-chaosfay]

Financial goals for this year:

Pay off the washing machine - $600 total, 38% paid off now.

Exterminator - we have carpenter ants, and they destroy wood. We need the exterminator to go under the house and apply treatment, and possibly the attic space. For all that work, it's around $550. Worth it to prevent further damage.

Private contractor - repair the damage the carpenter ants have caused, and we have nooooo idea how much that will cost. Could be $500 or over $1k. Those ants are a sign of possible dry rot, which is a fungal infection that destroys wood. It needs to be removed, the area treated, and pretreated wood used to replace what was damaged.

New glasses - mine are no longer the correct prescription. Thankfully, I can get them online for a fraction of what they otherwise cost. For two pairs it'll be around $250. In a physical store, around $500/pair.

Because we figured out the plumbing on our own, that's a bill we don't need to worry about. I just hope the fix is permanent and not a bandaid.

Fun goals for this year. Some of these are listed on my Throne page, making it possible for any of you to surprise me.

Filing cabinet ✅️

Printer - $200 for the one I want

Chair for my computer desk - $80, and until I acquire one, we move my sewing chair back and forth between the sewing room and living room

Paint the dining room - after the new windows are installed in a couple weeks, I'll need to repaint the dining room. $150 for all the supplies.

Fix up and paint The Monster - it's a massive hutch, and needs new hardware, some repairs, paint, and then moved into the dining room. It'll hold all my teacups and mugs, teapots, tea, cookbooks, and all things related to my new machine quilting set up. Soooo probably around $50-$75.

Repair and reinforce the table I'll be using for my new setup - the top is extremely unstable. Tips over easy, and that's unacceptable. I have a friend who will make the repairs and stabilize it, which will likely be around $50 for all the material.

Shelving in my sewing room - I have very little apace in my sewing room. At least, on the floor. But I do have a lot of wall space. Attaching some shelves would free up space and make it possible to actually decorate my room. Likely around $200.

Repaint my sewing room - I don't like the color. It's an odd shade of nearly-white blue. Repainting the room will a BIG project is a very tight (8x10 feet) space. I'm thinking a nice shade of brown to create the illusion of wood walls. Darkening it will make my eyes very happy. Even just one or two walls, sooo likely around $50.

These are realistic goals, but the fun stuff will be done AFTER the major things.

Extra fun goals if all the previous is achieved:

Sewing class - i need to learn how to make my own clothes, and videos do not help. There's a place here that offers these classes for $122, and provides all supplies.

New books - I use a Kobo ereader now that holding books open in my hands is a Very Bad Thing. $100+ will provide me with several books from my list. If you have my email address, Kobo provides the option of a digital gift card you can surprise me with.

Clothes - I've lost 30lbs in less than six months, and have kept it off. Last year I went vegan to drop my cholesterol naturally instead of suffering the side-effects of the medicine I had been taking. Now my clothes are loose and don't fit right. Plus...many are getting threadbare because my wardrobe is very small. They need to be replaced. Probably around $300 to $500 for two new pairs of pants, three pairs of shorts, and some colorful tops. Oh, and a few skirts and dresses.

Shoes - I have two pairs of shoes, one being strictly for home (physical therapist insisted). Both are sneakers. I need a pair of sandals, a pair of dresse shoes, and a pair of boots. My husband says $300 is reasonable. I flinch when I see a price tag over $50.

That about sums it up. Achievable, reasonable, and nothing frivolous. My husband insists I need to be frivolous, but we're too poor for me to do that. Buying new tea-related things and books is as far as it goes for me.

If you want to surprise me with frivolous things, my Throne list is the way to go. If you have my email, I may cry if you send me Kobo gift cards. I finish 500 page books in just eight to ten hours, and I read a lot. There is a Kobo gift card on the Throne list, so snatch that up if you want to.

Thank you!

[lost-onpurpose]

Personal Goals for this Week

✔️ Reduce screen time (set screen time limits on social media and game apps)

✔️ Track meals and fitness

✔️ Set a schedule for the bakery

✔️ Set a schedule for writing

✔️ Set up sales on spicy sites prior to retiring at end of September

✔️ Set a schedule for holiday bakery sales

✔️ Look into local markets and vendor events for bakery

✔️Write down all debts and create a plan to pay them off ($300/month will pay off everything except student loans in about a year)

Start a savings account for creating a commercial bakery space

✔️ Design a farm stand to put in driveway for bakery

✔️ Put phone on DND at 11:00 pm so I can sleep in peace but allow emergency calls to come through (scheduled DND/Bedtime to start at 11:00 pm and ending at 5:30 am with my alarm)

✔️ Look into local gyms/personal trainers

Maybe start a podcast?? (Probably not. I think I'm a little manic right now so lofty ass ideas!)

Income Goal: $200

[theglowsociety]

[bekahgoeslowbuy]

Why a low-buy year? My two main goals!

First of all, I need to save some money. My long-term financial goals include paying off my car and purchasing a house. As for short term goals, I'd like to be able to rent an apartment for my boyfriend and myself to move into. I also want to spoil my cats by purchasing a giant cat tower for them to sit in and scratch on. So by the end of 2025, I will have enough to support a new apartment.

I also want to reduce my mental clutter. Ideally, after a low-buy year, I will be less focused on purchases and be more comfortable with and grateful for what I have.

[jess-dailylife]

Feeling Defeated but Not Giving Up

Today hit hard. The plan my fiancé and I had—moving into his parents' condo—might not happen after all. The tenant might buy it, and just like that, we’re back to square one. I get why he doesn’t want to move in here. It would slow down our savings, and we have goals. But moving in with his parents? That’s a tough pill to swallow. Privacy matters. Our sanity matters. A year isn’t forever, but it’s long enough for things to unravel if we’re not careful. And I refuse to let bottled-up frustrations be the thing that breaks us.

On top of that, the job hunt is exhausting. It’s one thing for companies to claim they “value their employees,” but it’s another to actually pay them what they’re worth. I know what I bring to the table, but finding an employer who truly sees that feels impossible.

But I’m not just sitting here. I started my Project Management course on Coursera, hoping it’ll add some weight to my resume and open new doors. I also plan on finishing my bookkeeping course—another skill under my belt. It’s all an investment in myself, in my future.

Debt looms over me like a storm cloud, and Scotiabank? A whole mess. They say one thing, then do another, and I feel like I’m running in circles. The only way out is through. I need that higher-paying job. I need to spend only what I have. I need to keep going.

I feel defeated today, but I won’t stay down. Because this? This is just a chapter, not the whole story.

-Just a Girl in Ontario

[somyapandit]

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[financeguruadvice]

Financial Planning Worth $1-2 Million US Dollars. I would request you all to go through this guide and share it with everyone you know, so that they can secure their financial future.

[fiercemillennial]

Money Matters: Ditch the Myths, Build Wealth

💰 Money myths holding you back? Let's break 'em down! Discover the ONE belief that can actually help you build wealth. #moneymatters #financialfreedom #bossup #fiercemillennial

Unpacking the Four Core Beliefs About Money and Why Only One Leads to Financial Freedom Let’s talk money. Not in that awkward, hushed-up way, but real talk. The kind where we call a spade a spade, and expose the financial BS that’s been holding us back. We’ve all got our own money stories – the ones our parents told us, the ones we picked up from friends, or the ones we’ve created in our own…

[acesamateurart]

October public updates! Here's the tl;dr:

Streams are coming back TONIGHT, so buckle up for the return of chaos

Got some spooky videos lined up across the channels that I'm excited to share

Peer Reviewed Revolution will be continuing into its second series of topics

Commissions are open!

We're doing Inktober

I'm hoping to finish the HoshiTsukki fic this month

[creations-by-chaosfay]

Finances and Ko-fi Goals

All the money I receive via donations, commissions, and shop purchases are being applied to paying off debts, hiring a plumber, and after that it'll be fun stuff. My husband's income and my SSDI is being used to pay bills and groceries. Here's what the goals are:

Cacoa's ER bills total: $1321.27 - this is the combined total from her emergency earlier this summer and as well as the more recent one. I've split this into two separate goals to reach: $1049 and $278.

Water Heater: $1639.05 - we had hoped to pay this off earlier this year, but emergencies came up that very much changed things.

Plumber: $500 - this is a guess-stimate; repairs need to be made in the crawlspace beneath the tub before the wet season, and that's gonna arrive in mid-September

Transferred Debt: $4892 - we opened a credit card to pay for moving from Nebraska to Oregon, and then used it again for moving from central Oregon to where we are now. It was originally with our bank, but then interest kicked in because we were one day late paying a bill. We transferred the debt, closed the account, and are an automatic payment program so as not to collect interest. It was $8k total, but we've knocked it down by almost half in four years.

After each goal, I will give away a quilt. The current goal is $1049, and we're at 44% right now. When that one is reached, a winner will be drawn using a randomizer, and they will receive a quilt of up to 25x25 inches. The winner will be able to choose from the shop or have me make one for them.

The next goal will be $500 for a plumber. The winner of that giveaway will be receive a two person set of placemats and coasters, and they can choose from my shop or have me make a set for them.

After that, the other part of Cacoa's bills, unless we pay it off before then (which is very likely). That will be a one person placemat and coaster set.

The biggest goal is not, in fact, the transferred debt. That one won't be collecting interest. The water heater will start collecting interest in April, and that's the one I'm most worried about. When we have that one paid off, I'm giving away a lap size quilt, and the winner can choose either from my shop or have one custom made. If they want something smaller, I'll happily provide that.

The transferred debt, when paid off, will result in someone receiving a twin size quilt. Again, from the shop or custom made. They can, of course, choose something smaller.

I have a considerable amount of inventory in my shop, $10,197 to be exact. There are quilts as small as coasters ($20/each) all the way up to twin size quilt tops ($650/each; I'll be turning those into finished quilts once I'm comfortable with my skills on my new machine and frame), as well as four watercolor paintings. Selling just two of the paintings will cover both of Cacoa's ER bills, the plumber, and most of the water heater bill. Selling all four would cover Cacoa's bills, the plumber, the water heater, and a big chunk of the transferred debt.

Paying off these debts will make it possible to save money. Currently, that's simply not possible. Everything goes towards bills, groceries, fuel for the car, and Cacoa's cat food. I can't even afford to pay for my nebulizer medication (a nebulizer is the machine asthmatics sometimes use), and it's not covered by my insurance. We would also like to have some fun stuff in our life seeing as life shouldn't be made of suffering, but that will come only after we pay off Cacoa's bills, the plumber, and water heater. I can't justify spending money on what we would really like to have (two XBox Series X consoles, one of my husband and one for myself, plus a physical copy of the new Dragon Age game and a physical copy of the game guide) until these are taken care of.

If you would rather like to treat us to fun stuff, seeing as we won't be doing that until goals are met, you can do so here on Throne. Anything over $75 will earn you a gift from me. Details are at the top of my Throne page. Personally, I would rather pay off these debts and hire a plumber. Then life will have a lot more breathing space, we can pay off the last debt faster, and set money aside for fun stuff.

Thank you for taking the time to read this. I know it's a lot, but it should give you a good idea of what we're dealing with, why money is so damn tight right now, and why I haven't taken an actual break. My break will happen when Cacoa's bills are paid, the plumber hired, and the water heater paid off. There's over $10k worth of inventory in my shop, with the option to pay more than my asking price, and more will be added. When I do take my break, it will be for at least two months. The only work will be me machine quilting the larger projects on my list, attaching and finishing the binding, and listing the finished quilts. Precisely zero rush, and lots of time resting and recovering. Y'all know I need it and have more than earned it.

DO NOT SEND ADVICE OR CRITICISM!!!

I will block you immediately. I've already spoken to a financial advisor, which is why this is so organized and why we opted to transfer a debt.

[allaboutforexworld]

Money Management Explained

Money management is a crucial aspect of financial stability and success. It involves planning, controlling, and monitoring your income and expenses to achieve your financial goals. Effective money management can help you save more, invest wisely, and avoid debt. This article delves into the principles of money management, offering practical tips and strategies to help you take control of your…

[fastlane-freedom]

10 Money Rules to Learn by the Age of 25 – Fastlane Freedom

Financial literacy is a crucial life skill that often doesn’t receive the attention it deserves in traditional education. Age 25 is a big deal because it’s when many people finish school, start working, and have to make important choices about their jobs, money, and relationships. It’s a time when taking care of your money becomes really important, and you should start saving and planning for the…

[budgetbeastie]

A Guide to Creating a Personal Budget (2/3)

budgeting to plan and control your personal life

a personal budget is a great way to plan for the future and set goal posts - both long term and short term

think of a financial goal you have, big or small...

some examples:

spending less

getting out of debt

save an emergency fund

buying a car

buying a house

retiring early

a budget can help you with every financial goal you have, let's talk about how!

there's two reasons why budgets are created:

planning & control

when using a budget to plan, we're taking our list of expenses (including minimum payments on debt!) and when they're due to determine the total costs for the period (which could be a week, month, 3 months, or a year). in addition to our expenses, we estimate our income for the period as well, which can be averaged out for the sake of our mental health.

for the sake of this convo, let's use a month as the chosen period.

once we know how much the month will cost us, we can compare it to our earnings from the month. if we use the 50-30-20 method, then our total cost of living would be half of our total net income. however, it's becoming increasingly rare for us to exist using only 50% or less of our total income on living expenses. Being able to accurately predict and plan our spending can help us to better understand our individual financial positions.

say our total monthly income is $3,000 and our total monthly expenses is $2,400

knowing that we're going to have $600 leftover from our income during the month that isn't directly tied to staying physically alive helps with making accurate decisions based on your finances, this cash could be used for whatever you want! sometimes, it's for a little treat, and you give yourself a weekly allowance, other times, it's for approaching your financial goals.

the other half of why budgeting is helpful, is control

some goals are more intense than others, and that intensity varies between individual financial positions. for some, it would be easier to save $5,000 than to get out of debt, and vice versa for others.

we can use budgets to control our path and to set goals. say our goal is to save a 3 month emergency fund (3 months of expenses), how would we do that?

identify the goal

we need 3 months worth of our expenses, which totals out to be $7,200

2. choose a contribution level

we have $600 left over at the end of each month, but don't want to contribute every penny to savings (YOLO or something) $200 a month (about $45 a week) goes to spending, for if something happens like we go out to eat with friends or it's just been a bad day $400 a month ends up going towards our emergency fund

3. set goal posts and milestones

now we can divide our goal by our contribution level: $7,200 / $400 = 18 at this contribution level for this goal, it'll take 18 months to reach the end. milestones look different for every goal, but my favourite method is the snowball method (usually for paying off debt, but works here too), where we clock in wins in early and help build momentum!

the first goal would look like the first deposit, which would be $200 on the 1st of the first month we start using our budget. hitting this milestone will feel good, because you can check on the $200 and feel incredible about how you're saving money and it's there making you even more money with interest! our second goal would be to have our first $400 at the halfway point of the first month. from here, we can stretch the milestones a bit to look something like this:

by using our budget to figure out how much money we spend on being alive, we know how much money is left to commit to our goal.

using the budget to plan for upcoming expenses or increases in income, as well as controlling how much we spend in certain areas of our lives, helps us make better and more informed financial decisions every day.

knowing how much in the checking account can be used to get that notebook while shopping at the grocery store will help with confidence and independence, as well as reducing spending guilt. you are in control when you have something like a budget to refer to, and you can plan to hit goals!

[awesomelifestyletips]

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