#finacial literacy

[chichiscloset]

How I Earned a 769 Credit Score at 23

I believe that understanding the ins and outs of managing our finances is essential in our quest for leveling up in life. After all, what good is achieving our dreams if we're not equipped with the knowledge and tools to sustain and grow our success? So how did I do it?

1. Living with parents while in school

While I had the advantage of fewer bills to pay, I still encountered challenges in managing my finances effectively. In the past, I used to blow money like it was nothing, with little to no savings to show for it. However, recognizing the opportunity to change my habits, I embarked on a journey of financial education, starting with reading "Rich Dad Poor Dad" by Robert Kiyosaki. Over the course of 6-12 months, I diligently saved and invested most of my income, laying the groundwork for my financial future. This disciplined approach not only helped me build a healthy relationship with money but also demonstrated to the bank that I was responsible and capable of handling a credit card. It was only after this period of financial growth and learning that I felt confident enough to apply for my first credit card. After being rejected 3 times prior!

2. Become Delusional as F**k

The biggest change in my relationship with money came when I realized that it's not inherently bad; I have a good relationship with money, and money works for me—this is my reality i lived in even during the times I was broke. I remained delusional in my belief that financialsuccess for me was attainable, and remarkably, it worked. This perspective empowered me to view money as a tool for creating wealth rather than something to fear. I learned to use a credit card to work for me, not as a slave to debt, and discovered how to leverage debt to make more money. This shift in mindset helped me overcome financial fears and embrace opportunities for growth.

For more financial literacy context read these posts

Escape Your 9-5 Job If You Don’t Want to Work

“Make Money When your Young, Pretty & Ambitious.”

How to make a credit card work for you

Keep Low Credit Utilization:

Aim to keep your credit card balances low relative to your credit limits. This utilization ratio should ideally be below 30%, with lower percentages being even better. High credit utilization can negatively impact your credit score.

Pay On Time, DONT MISS PAYMENTS

Consistently paying your credit card bills on time is crucial for maintaining a high credit score. Late payments can significantly damage your credit score and stay on your credit report for years.

Keep Old Accounts Open:

The length of your credit history is an essential factor in determining your credit score. Keeping old credit card accounts open, even if you're not actively using them, can help lengthen your credit history and improve your score.

Monitor Your Credit Report:

Reviewing your credit report allows you to identify any errors or inaccuracies that could be negatively impacting your score. You're entitled to a free credit report from each of the major credit bureaus—Equifax, Experian, and TransUnion—once every 12 months.

Avoid Closing Old Accounts

Closing old credit card accounts can shorten your credit history and reduce your overall available credit, both of which can lower your credit score. Unless the account carries high fees or you're unable to manage it responsibly, consider keeping it open.

Conclusion:

Through disciplined financial habits and strategic planning, I achieved and maintained a high credit score. This journey is only the beginning of my commitment to financial responsibility. For more insights on financial literacy, be sure to check out my other posts. Remember, with dedication and planning, anyone can achieve their financial goals

Until we talk again !

Chichi

[best-cbse-school-in-indore]

Understanding finances is an important part of life that should be taken care of from an early age so that students can understand and implement it in their life. Know more about financial literacy, why is it important and how to learn it with our blog. Found this helpful, then must visit: our site: https://garimaschool.com/ Read more such interesting blogs at: https://garimaschool.com/articles/ Phone: +91 7049494919

[mhemedia]

The Streets to Entrepreneurs Urban podcast will be bringing a more consistent and regular content. Our channel explains simply how the business and financial literacy work for people coming from nothing, to the behind the scenes grinders and thinkers, and just your everyday individual. Stay tune for more Subscribe Share Comment Like www.mildhighent.com/

[succulentsiren]

what oppressors don’t want women to know

1. your life should be centered around yourself.

2. you are not required to compromise.

3. parenthood is a choice.

4. princesses get all the gifts.

5. bitches get respected for having standards.

6. you don’t have to give anyone a chance or the time of day.

7. you don’t need to smile or laugh at anyone’s lame jokes.

8. you don’t need to explain yourself. your no is enough.

9. never accept what you don’t want. keep your standards.

10. if a man threatens/disrespects you take it seriously. don’t brush it off.

11. having and keeping your standards is reflective of your self worth.

12. don’t silence yourself because of the fear that someone will get angry. you aren’t responsible for anyones feelings but your own.

13. it’s not your responsibility to take care of and nurture everyone.

14. assertive women are attractive.

15. never center your life around men.

15. when you’re being courted, they must to prove themselves to you.

16. you don’t have to act fake satisfied when you’re not impressed.

17. staying in a relationships that’s toxic is self sabotaging and abusive.

18. you’re not required to please others to prove your value.

19. finacial literacy is not just for men to know. ladies learn how to handle your money independently.

20. you must put yourself and your goals first.

21. be confident. always walk with your head high.

22. you are worthy. you instantly become more worthy once you remind yourself of this!

23. always speak your mind. those who don’t speak up get nothing.

24. never settle.

25. not a single soul has the right to judge you. opinions are just opinions and have no value unless you give them value.

[binalakai]

i need to stop asking validation from people to make sure my art is okay and comfortable enough out of fear of hurting/harming others but spending years having to have the idea of "if your morals dont come across ur Glorifying Bad Things" like. shoved into my head only for my dashboard to shift gears n be like "what happened to media literacy lol" its just

its exhausting and i want finacial compensation for growing up on such a shitty platform for creatives. i rlly want someone or something to be sorry for it and i dont know how. im constantly angry that i feel the need to be careful when i truly dont or never even cared that much to be.

i want agency over my art again. i never got to have it as a child/teenager growing up n posting online n i wish i could have those years back spent not being suffocated.

[penniestoportfolios]

Empowering Futures with Books About Money for Kids by Pennies to Portfolios

Dive into a world of financial literacy for children with our carefully curated selection of kids' books about money at Pennies to Portfolios. From basic concepts like saving and budgeting to more advanced topics like investing, our collection instills valuable money management skills in an engaging and age-appropriate manner. Start the financial education journey early and set your child on the path to a prosperous future!

https://penniestoportfolios.com/product/finacial-literacy-books-hard-copy/

[enerz]

Finacial Recognation

”Coco Martin”

With a career spanning two decades, Martin is regarded as the country's Ultimate Superstar. he has won 2 FAMAS Gaward Urian Award and 3 Golden Award. As of 2021,Martin has grossed 2.3 billion at the box office,making him one of the top warning actors of the last ten years. At the 34th gawad Urian Awards, he was recognized as the most awarded actor of his generation, with 119 awards and recognitions and 40 nominations from various award -giving bodies since 2006

In 2017, Martin started as the titular character in the ang panday pebist, while also serving the director, making his real name, Rodel Nacianceno for this role as director. Martin is the chairmain of hus own production company, CCM Film production a company that he established in 2017.

Literacy Journalism

"Fernando Amorsolo"

Fernando Amorsolo Cueto(May 30, 1892-april 24,1972) was a portraitist and painter of rural Philippine land scapes, Nicknamed the "Grand old man of Philippine Art, he was the first ever to be recognized as a national artist of the Philippine he Art. He was the first ever to be recognized as a national Artist of the Philippines. He was recognized as such for his "pioneering use of depressionistic techniqur " as well as his skill in the use of lightning and back lightning in his skill in these of lightning and back lightning in his paintings significant not only in the development of Philippine are but also in the formation of Filipino nations of self and indentity.

"Travelogue"

"Nature trip to Mayang"

NATURE TRIP to MAYANG. The worst thing about our nature trip is that we can't sit down anymore and stop the cobra from leaving the field. At my friend's house, we gathered a group of people together, we were about to leave together to take a bath at Mayang falls, we didn't sleep anymore and we went to early morning to clean the mango, when we were already on the flight We laughed and laughed and when we got to the paroetan, parowonan, it was nice to take a bath. in mayang falls especially when we are complete, we must first eat so that we don't get hungry, bobanez swimming in mayang falls, we will meet and be with many people while bathing. It's great that I went and we were also happy to be with you because the place we went to was so beautiful that we hope to do it again.

"Testimony"

"Better Safe Than Sorry"

BETTER SAFE THAN SORRY Better to be safe than sorry later. Way let's hurry dales &0 dot dare doretoso what we're doing it's good to rest and think carefully if you continue the thing you know will be with you. Was tays paidalos dalos in our bay house because everything in the muds has a limit let's sip what we eat whether it is bakarka buli for us. It's better to be careful, we will be blamed, do something better with your power so that you don't get hurt. For you as long as it takes because there are many things you did not write that will be safe, okay, but this is also the one that will destroy you

[midnightmisadventures]

Clarity #crackheadhour 4:44

theres gotta be something about the reoccuring dream trope where im climbing up stairs with hourdes of people all going in one direction and my legs are burning and im tired but i feel too much pressure i cant stop, its embarrasing to stop or slow down so i keep doing it and burning myself out

And......the trope of me finding and getting onto elevators and being shot in the air with ease often when im venturing off on my own and trying to "see the water", get out of the stuffy run of the mill claustrophobic boat, taking the elevator to see something magnificent, fresh air, freedom, wish fufillment....

Because i just read the dream where im climbing up but i get around the top and say "why am i doing this, just cause someone told me to why am i climbing in pain?" and sliding down into the snow....

and then of course the catch me dream starts with elevator and ends on me having to trust to fall down....with Liam.

Its gotta be about breaking out of the mold and what the masses are doing, going rogue, doing ur own thing, trusting source to achieve freedom and live in ur manifestations.

I think it also might be depicting how draining the alternative is.

And now im wondering??? If me being that weak in the limbs is related to the wheel chair stuff and cane stuff that Liam had. But im just either letting it get the point, or not using a wheel chair or cane because im not accepting help....or im not willing/taking time to heal.

The other thing is, Liam and i are perfect depictions of masculine and feminine energy and energy deficits being mirrored. If i help him how to see his worth, trust people, love unconditionally, express emotions (balance feminine energy), then he helps me stay organized, be logical, aka financial literacy, and longevity family/home/career plans for stability and providing.

Thats constantly what hes working on perfecting, he feels so less of value without those things squared away and up to his standards, and uses his hyperfixation on work and finances that he neglects his emotions

Now I! on the other hand spend all my time analyzing emotions, doing this, expressing myself and i avoid anything logistical to do with my everyday life and future like the black plague. I write tumblr posts and read tarot to avoid doing that.

Thats why we're twins and perfect matches, we counter balance ourselves and teach and provide where the other is lacking...

So now consider this....

If three years ago i had a dream with Liam with a wheelchair/cane, and me able bodied, by his side to help him heal. Meaning it was first on me to do my part, help with emotions. "Well i think youre beautiful"

then when i met garrison it happened in real life.

Now, i'm having dreams where i'm the weak and wounded one. So it feels like its liams turn to come help with his part, the STABILITY, the MONEY, the HOME !!!!!

Doesnt that make hella sense? Thats what all the cards are saying, and specifically what he keeps working on is, feeling finacially stable and abundant enough to come in and offer me commitment, and im always like why?? Like i know liam was hyperfixated on getting a house and a wife, and a wealthy job, but he must know that i dont care about that and see his value otherwise.

BUT TO HIM thats his side of the bargain, thats gonna be his strength! Its not about whether or not it matters to me, its just supposed to happen, its a part of the plan. And that makes sense because it seems abundantly clear that he has solved the emotions part, he realized why he ran, he realized how he hurt me, but the only way in his eyes he feels he can return the favor equally would be coming in as the masculine with the money, and the stability.

Tah dahhhh

was gonna name this high thoughts but i think i actually mightve cracked it

[simplynickiepodcast]

Listen to the most recent episode of my podcast: Pressures of Adulthood https://anchor.fm/sheanika-kidd/episodes/Pressures-of-Adulthood-e15c8ju

[justsomeantifas]

Hi, I’ve seen you address finacial literacy. Do you have any resource for people who really are not good with this but would like to learn? I don’t really know where to start. Thanks for your informative posts 🙏🏼

here you go heres some basics 🛐

https://www.khanacademy.org/economics-finance-domain/core-finance

[alooha-steeven]

Finacial freedom starts here I share this information knowing it can change someones life and help others and I know how hard the times Is coming and really goes deeper than it seems but I really want to help people to get educated on financial literacy and rarely do they  teach this in school so I'm here spreading awareness on a business that is helping to change people's lives getting educated on the matter of the rising inflation and poor decisions from our government and help them to build generational wealth for your family and kids we must be independent on our income and be depending on the government or other people for your income lets connect and let me show you

[gender-snatched]

Ways to make friends: be ready to leave Finacial Literacy google meet. Have teacher ask if you like Star Trek. Say yes. Get into a conversation with your friend, teacher, and random boy about sci-fi. Have teacher leave. Have mild conversation. Get mildly bullied for having a tumblr.

[nagahfeha-blog]

Pathway to Prosperity- Financial Literacy for Finacial Success

pathway to prosperity

Pathway to Prosperity empowers you to take control of your financial future by giving you the knowledge, tools, & confidence necessary to create a financial plan to put you on the direct path of being financially free.

[dalereynolds]

Branden’s Financial Gol at age 10. Homework for his Finacial Literacy Class Grade 5. Love it! Love Mamãe ❤️ https://www.instagram.com/p/COha2v9sZcL/?igshid=tchc0depumrh

[forschoolonly78]

Synthesis

Overall, finacial literacy is proven to help students become better finacial beings once they step out into the real world. Finacial literacy can be beneficial to children young as kindergarteners to 12th grade, college students, and even grown adults who surprass their schooling stage. There are studies that show tremendous before and after results after taking finacial courses. Also in one given source, fiancial lieracy can be simply implified into the curiculum by utilizing real life aspects to subjects we already have now such math, economics, and business courses. Policy makers must first make that step by becoming inspired to move education in a slight different direction that will better suit students to become prepared to take on this world critically.

Links that support this synthesis:

https://www.nbcnews.com/better/lifestyle/how-teach-young-kids-about-money-so-it-sticks-them-ncna1023231

Herman AC. (2016) Adaptive Education : An Inquiry-Based Institution. University of Toronto Press, Scholarly Publishing Division; 2016. Accessed December 5, 2020. https://search.ebscohost.com/login.aspx?direct=true&db=e095mww&AN=1234253&site=eds-live&scope=site.

Ekanem, I. (2013). Influences on the behaviour of black and minority ethnic (BME) communities towards debt and bankruptcy. International Journal of Consumer Studies, 37(2), 199–205.https://doi.org/10.1111/j.1470-6431.2012.01104.x

Attard, C. (2020). We don't need banks teaching kids about money. Schools have it covered. Retrieved December 09, 2020, from https://theconversation.com/we-dont-need-banks-teaching-kids-about-money-schools-have-it-covered-151093

Chaiphat, C. (2019). Improving Financial Literacy of Undergraduate Students with Supplementary Financial Lessons: A Case of Practical Economics for Daily Life. TEM Journal, 8(2), 492–497.

[rancejohn]

TAG TAG TAG SOMEONE PLEASE!! 🚨🚨STL ARE YOU READY!! 50 Men will be in the spot on tomorrow! Visiting Rance John Styles & Barbering, @rancejohn ! @mrwillroundtree will have a great time enriching the great people of St. Louis with some Financial Literacy! Come on out to see them, It’s going to be phenomenal chopping it up with these Finacial experts. Can’t wait to see everyone there!!! #creditisking👑 #50men #JMA #leverageeverything #EZFunding #WEManagement #700creditclub #800creditclub #financialcoach #wealthbuilding #financialliteracy #barberlife #barbershoptalk #freegame #powermoves #creditisthenewdollar #entrepreneurship #millionairemindset #lifestyle #smallbusiness #stlouis (at St. Louis) https://www.instagram.com/p/Byp5LRWnjzF/?igshid=mlyo5qwzsbg