#Money Tips

[urfavvcutiee]

🎀 TIPS FOR NEW ADULTS 💝

MONEY TIPS

Prioritize your emergency fund!!

Prioritizing your emergency fund is useful for saving money because it provides a financial safety net, reducing the need to rely on high-interest debt during unexpected expenses.

2. Plan your meals and cook in bulk.

Planning meals and cooking in bulk saves money by reducing food waste, lowering per-unit costs through bulk purchases, minimizing impulse buys, saving time and energy, and encouraging healthier eating habits.

3. Look to split costs with others if possible.

Splitting costs with others saves money by reducing individual expenses on shared items or services, such as rent, utilities, groceries, and transportation, allowing each person to pay a smaller portion of the total cost. I usually recommend doing this with a family member, relative, or a good friend.

4. Learn independence skills.

Learning independence skills saves money by reducing the need to pay for services such as repairs, cooking, and cleaning, allowing you to handle tasks yourself and avoid outsourcing costs.

5. Maintaining a budget.

Having a budget keeps your spending in check and makes sure that your savings are on track for the future. Budgeting can help you set long-term financial goals, keep you from overspending, help shut down risky spending habits, and more.

6. Practice no-spend days.

It refreshes a budget and prioritizes “needs” over “wants.”Try to not spend money for a set period of time, like a week or a month. Soon enough, you would have control on overspending, changed your financial management habits, and saved extra money.

7. Buy frozen vegetables.

Frozen vegetables are usually picked, processed and frozen on the same day, to preserve freshness. Unless you can guarantee your fresh vegetables are that fresh, you are just adding days of starchy conversion to your otherwise fresh vegetables.

HOPE THIS HELPS 💝

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Retirement and How to Retire

How to start saving for retirement

Dafuq Is a Retirement Plan and Why Do You Need One?

Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over.

Season 4, Episode 5: “401(k)s Aren’t Offered in My Industry. How Do I Save for Retirement if My Employer Won’t Help?”

How To Save for Retirement When You Make Less Than $30,000 a Year

Workplace Benefits and Other Cool Side Effects of Employment 

Your School or Workplace Benefits Might Include Cool Free Stuff

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

The Financial Order of Operations: 10 Great Money Choices for Every Stage of Life

Advanced retirement moves

How to Painlessly Run the Gauntlet of a 401k Rollover

The Resignation Checklist: 25 Sneaky Ways To Bleed Your Employer Dry Before Quitting

Ask the Bitches: “Can I Quit With Unvested Funds? Or Am I Walking Away From Too Much Money?”

You Need to Talk to Your Parents About Their Retirement Plan

Season 4, Episode 8: “I’m Queer, and Want To Find an Affordable Place To Retire. How Do I Balance Safety With Cost of Living?” 

How Dafuq Do Couples Share Their Money? 

Ask the Bitches: “Do Women Need Different Financial Advice Than Men?”

From HYSAs to CDs, Here’s How to Level Up Your Financial Savings

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?” 

Speaking of advanced money moves, make sure you’re not funneling money to The Man through unnecessary account fees. Roll over your old retirement accounts FO’ FREE with our partner Capitalize:

Roll over your retirement fund with Capitalize

Investing for the long term

When Money in the Bank Is a Bad Thing: Understanding Inflation and Depreciation

Investing Deathmatch: Investing in the Stock Market vs. Just… Not 

Investing Deathmatch: Traditional IRA vs. Roth IRA

Investing Deathmatch: Stocks vs. Bonds 

Wait… Did I Just Lose All My Money Investing in the Stock Market? 

Financial Independence, Retire Early (FIRE)

The FIRE Movement, Explained 

Your Girl Is Officially Retiring at 35 Years Old

The Real Story of How I Paid off My Mortgage Early in 4 Years 

My First 6 Months of Early Retirement Sucked Shit: What They Don’t Tell You about FIRE

Bitchtastic Book Review: Tanja Hester on Early Retirement, Privilege, and Her Book, Work Optional

Earning Her First $100K: An Interview with Tori Dunlap 

We’ll periodically update this list with new links as we continue writing about retirement. And by “periodically,” we mean “when we remember to do it.” Maybe remind us, ok? It takes a village.

Contribute to our staff’s retirement!

Holy Justin Baldoni that’s a lot of lengthy, well-researched, thoughtful articles on the subject of retirement. It sure took a lot of time and effort to finely craft all them words over the last five years!

In case I’m not laying it on thick enough: running Bitches Get Riches is a labor of love, but it’s still labor. If our work helped you with your retirement goals, consider contributing to our Patreon to say thanks! You’ll get access to Patreon exclusives, giveaways, and monthly content polls! Join our Patreon or comment below to let us know if you would be interested in a BGR Discord server where you can chat with other Patrons and perhaps even the Bitches themselves! Our other Patrons are neat and we think you should hang out together.

Join the Bitches on Patreon

[abundancewithher]

Changing My Mindset

Hey, young stars and hearts! Mimi here, and I am starting my big girl finance journey as someone who works 40 hours a week, gets paid biweekly, and is currently financially destitute.

Growing up, I was taught to work hard and you can get everything you want, so I did. I was programmed, of course, being raised in a two-parent black household seeing my dad work 16 hours a day and my mom be a full-time mom and college student.

That's all I knew, as soon as I started working my first job at Whataburger, literally a week after I turned 16. For a while, I was really happy. I felt like an adult, making my own money and decisions. Excuse my french but you couldn't tell me shit! I was that girl.

But as I got older, when I was only 19, that spark faded and I wanted more, not in a greedy way but I felt complacent. I noticed I was working endlessly, sometimes 7 days a week, 12-16 hours shifts because I was a "hard worker" for 8.50. I felt that it was expected, in my mind, I had no choice because I had to work. In actuality, I was overworking myself and I was starting to feel it was for no reason.

In 2022, I went through my first spiritual awakening and I questioned everything I knew. I was broken down so badly that I literally quit my job because I truly felt I was no longer serving me. 9 months. I went 9 months without a job because I needed to reprogram my mind by affirming and meditating. I started over, and I was better from then, I still had the worker bee mindset.

2 years to date, on July 14, 2024, I am going through the same thing but on another level, I am realizing that this is much deeper than I thought. It is subconscious. I know I am very long-winded, lol, but with that being said I have recently started listening to affirmations again.

I feel a difference in myself, I see a difference. my goal is to reprogram my mind to believe that I work smart and play hard, anything that I want I can get with ease, I am truly divine, and that money flows to me effortlessly and that I don’t chase. I attract anything positive that I want to be associated with. I have found my to people for that.

I want to share my favorite spiritual creators and videos that I enjoy. Of course, I listen to affirmations from YouTube, but I feel listening it all depends on the creator. All of my favorite creators will be linked below! I hope you all enjoy them as much as I do!

Evolving into More

Free Tea

maleeka, is my gurdian angel

Ayesha Noella | Affirmations

Whimsical Tarot

White Feather Tarot

TheWizardLiz

Shonnetta's Divine Tarot

SheraSeven

[letyouknowinc]

🤩 New Customer Testimonial 🤩

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[colombinna]

Girls and fems: Unless your style is like conventional hyper femme, drop the pink tax and start shopping in the men's section

A lot of stuff is androgynous enough that stores will have basically the same models for both sections except the men's are sold for even 100$ cheaper (at least in local currency). Another plus is that depending on your body type, the men's section sizes are more broad and can fit you better

An advice from your local baby butch lesbian starting her gender expression journey

[kemetic-dreams]

[tris-magistus]

Hey so I've tried for 2 years to make money online as an affiliate marketer I haven't been able to make anything, then I found this system that will give you everything and tell you how to us it for free, so if any is curious just look in over 2 years nothing in 4 days $150 and that's only to start it Grows exponentially. So if you want the life you've always wanted, this is how you can get it.

[dollar-and-sense]

Mastering Personal Finance and Investing: Your Ultimate Guide to Financial Freedom

Introduction: Understanding the Importance of Personal Finance and Investing Personal Finance and Investing: Your Path to Financial Freedom Importance of Personal Finance and Investing for Wealth Creation The Basics of Personal Finance: Budgeting, Saving, and Debt Management Mastering the Basics: Budgeting, Saving, and Debt Management Budgeting Tips for Effective Personal Finance…

[urfavvcutiee]

🎀TIPS FOR NEW ADULTS🎀

HOW TO BE SMART WITH A CREDIT CARD

Pay off your balance each month. This way, you avoid paying interest.

Use your card for immediate needs, not wants. E.g. A phone bill that needs to be paid. Then when you have the money, pay it back right away.

Never skip a payment otherwise it can affect your credit score, charge you in late fees and interest rates.

Use a rewards card especially if your going to use your credit card often, rewards can be cash backs, air points, or retail points.

Never charge more to your card than you will/have in your bank account.

Stay under 30% of your credit limit. This is one way of keeping your credit score healthy.

HOPE THIS HELPS 💝💝

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Saving Money and Being Frugal

We’re all in this together. Don’t give up.

On food and groceries:

How to Shop for Groceries like a Boss

Why Name Brand Products Are Beneath You: The Honor and Glory of Buying Generic

If You Don’t Eat Leftovers I Don’t Even Want to Know You

You Are above Bottled Water, You Elegant Land Mermaid

You Should Learn To Cook. Here’s Why.

On entertainment and socializing:

The Frugal Introvert’s Guide to the Weekend

7 Totally Reasonable Ways To Save Money on Cheap Entertainment 

Take Pride in Being a Cheap Date

The Library Is a Magical Place and You Should Fucking Go There

Your Library Lets You Stream Audiobooks and eBooks FOR FREEEEEEE!

What’s the Effect of Social Media on Your Finances?

You Won’t Regret Your Frugal 20s

On health:

How to Pay Hospital Bills When You’re Flat Broke

Run With Me if You Want to Save: How Exercising Will Save You Money

Our Master List of 100% Free Mental Health Self-Care Tactics

Why You Probably Don’t Need That Gym Membership

How to Get DIRT CHEAP Pet Medication, Without a Prescription 

On other big expenses:

Businesses Will Happily Give You HUGE Discounts if You Ask This Magic Question

Understand the Hidden Costs of Travel and Avoid Them Like the Plague

Other People’s Weddings Don’t Have to Make You Broke

You Deserve Cheap, Fake Jewelry… Just Like Coco Chanel

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

When (and How) to Try Refinancing or Consolidating Student Loans

The Real Story of How I Paid Off My Mortgage Early in 4 Years 

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It

On buying secondhand and trading:

Almost Everything Can Be Purchased Secondhand

I Am a Craigslist Samurai and so Can You: How to Sell Used Stuff Online

The Delicate Art of the Friend Trade

On giving gifts and charitable donations:

How Can I Tame My Family’s Crazy Gift-Giving Expectations?

In Defense of Shameless Regifting

Make Sure Your Donations Have the Biggest Impact by Ruthlessly Judging Charities

The Anti-Consumerist Gift Guide: I Have No Gift to Bring, Pa Rum Pa Pum Pum

How to Spot a Charitable Scam

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again? 

On resisting temptation:

How to Insulate Yourself From Advertisements

Making Decisions Under Stress: The Siren Song of Chocolate Cake

The Magically Frugal Power of Patience

6 Proven Tactics for Avoiding Emotional Impulse Spending

On minimalism and buying less:

Don’t Spend Money on Shit You Don’t Like, Fool

Everything I Know About Minimalism I Learned from the Zombie Apocalypse

Slay Your Financial Vampires

The Subscription Box Craze and the Mindlessness of Wasteful Spending

On saving money:

How To Start Small by Saving Small

Not Every Savings Account Is Created Equal

The Unexpected Benefits (and Downsides) of Money Challenges

Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead

From HYSAs to CDs, Here’s How to Level Up Your Financial Savings

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

The Magic of Unclaimed Property: How I Made $1,900 in 10 Minutes by Being a Disorganized Mess

We will periodically update this list with newer articles. And by “periodically” I mean “when we remember that it’s something we forgot to do for four months.”

Bitches Get Riches: setting realistic expectations since 2017!

Start saving right heckin’ now!

If you want to start small with your savings, consider signing up for an Acorns account! They round up your every purchase to the nearest dollar and save and invest the change for you. We like them so much we’ve generously allowed them to sponsor us with this affiliate link:

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[tabney2023]

Funny Minion Meme

[everywherenyc]

#SavingsTip - 3 MODERN WAYS TO ADD TO YOUR SAVINGS ACCOUNT

1. Round-Up Feature: Connect checking to round-up app or activate on account. Automatically save spare change from purchases, effortless savings method.

2. Cashback Rewards: Utilize platforms offering money back on purchases. Transfer earnings to savings directly from store apps, memberships, or websites.

3. Automated Transfers: Schedule regular transfers from checking to savings, like each payday. Small amounts accumulate easily, automated and convenient. 

[familythings]

100 Ways to Make Extra Money for Your Family

Hi guys, I’m back today with tips for your Personal Finance journey. Life is becoming more expensive everywhere, with pricing going up like the fastest rabbit of the forest and the salaries moving so slow, like the lazy turtle. But, life is too short to wait for the salary to grow enough to cover for extra costs, or having the money for so-needed holidays in your To Travel List Countries, and for…

[softyin]

does anyone know of any good ways to make ££? i have a job but can only work 4 days a week as I study, and the hours are not enough as I’ve received a £600 uni fee due in 3 weeks! im gonna try selling clothes on Vinted but does anyone have any other tips? 0 hour contracts & min wage is not the vibe xx

[madeline-celeste]

Fun Buffet tip number 1 to save you money!!! 🤑🤑🤑

dont go