#finance life

[expatesque]

does a career in finance feel meaningful to you? what do you do, exactly?

I'm an equity analyst at a long only fund. In short, I pick stocks. The long answer is here (this is a little out of date, I'm no longer industry agnostic and I now look globally, not just in Europe).

Meaningful is an interesting question. I guess my answer is no but that doesn't impact my enjoyment of it. My job lets me learn things for money, which is pretty much ideal for me. I get set an industry or a space within an industry to look at, I learn loads about it, then I come back with a report after a few weeks. It's pretty much perfect for me.

I've never been particularly interested in my work being meaningful - work needs to provide me with (1) the finances to live the lifestyle I want, (2) intellectual stimulation, and (3) ideally a pleasant atmosphere. Meaningful doesn't really come into it for me.

That said, my fund is a unique in that our largest shareholder is a charitable foundation -- when our founder passed away, he donated his shares to this foundation. In practice, that means that a portion of the money we as a fund earn goes to supporting charitable causes. And we the staff get to pick the charities that the foundation supports. The grants are pretty substantial in size and can make a really big difference to the charities we support. So all that's to say: there is a meaningful component to my work, even if it's not a primary attraction of my job to me.

[dopeasmilan]

this lifestyle is the goal & i won’t settle until it becomes my reality

[csuitebitches]

what my finance mentor, who manages a billion-dollar portfolio sent me this morning

I’m going to start sharing the resources he’s been sharing with me. You can find everything on my pinned index post, under “Mentor recommendations.”

[watermelllonarchive]

How do people in Gaza get money from their accounts or the funds people donate to their Go Fund Me? In this video, shared July 23, Medo shares his journey to get cash from his Binance account.

Medo's Go Fund me campaign is here, but he also shares his Binance account in his bio.

Available Go Fund Me campaigns for people whose stories have been shared on watermelllonarchive can be found in the resources post.

[honeytonedhottie]

financial literacy⋆.ೃ࿔*:･✍🏽🎀

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

WHAT IS FINANCIAL LITERACY ;

financial literacy is handling ur money wisely. the google definition of financial literacy is the ability to understand and apply different financial skills effectively, including personal financial management, budgeting, and saving.

ALL ABOUT BUDGETING ;

when u hear the word "budget" its rly easy to think "omg limiting belief" or think of it in a negative light but a budget is just a plan on how u manage ur money. its not always constrictive and negative like u may or may not think of it to be.

budgeting : keeping track of how much $ ur bringing in and how much ur spending…💬🎀

planning a budget is ez pz. you can use some paper and sparkly pink gel pens to create an adorable budget, or u can download different sheets online and just have your budget digitally. theres a plethora of resources out there so just choose whichever is easier for u.

something else that i learned about during this course was the 50:30:20 rule. its called the 50:30:20 rule because 50% of ur money goes towards ur needs, 30% goes towards wants and 20% goes towards ur savings. and this isnt concrete, its just a good framework and u can adjust to ur own specific needs and goals.

for example if u manifested $4000. ur 50% would be $2000, ur 30% would be $1200 and ur 20% would be $800…💬🎀

HOW DO U KNOW WHAT UR NEEDS/WANTS ARE ;

things like ur rent and groceries are ur needs and things like vacations and going out with ur girls are wants. and to apply the 50:30:20 rule you first have to...

♡ calculate ur needs, wants and savings budget

♡ compare ur expenses to ur budget

the way u do this is to subtract your expenses from your budget. this is your budget balance. if your budget balance is zero or positive, that means you are living within your means and have some extra money. if your budget balance is negative, that means you are spending more than you should and may have a budgeting problem.

let me know if u guys want more content about this cuz i had a lot of fun writing this…💬🎀

[lobotomy-lady]

oh my god guys I hadnt even considered this

[davidson-eric]

The dollar collapse is happening NOW!"

The Storm is coming sooner than expected. All financial systems controlled by the corrupt government will collapse.

This crash will be felt on a global level, and many currencies, especially the USD, will be worthless.

Fiat accounts, savings and retirement accounts, mortgage, e.t.c will crash down and wipe off from the system once this event happens, Quantum Financial System is the savior.!!!

Convert every money in your possession to digital gold & silver backed coins and move them into the QFS ledger for safety . There will be a Global Reset. All banks and fiat exchanges will be closed, and there will be a lot of uncertainty & confusion. Cash will be worthless and outdated, and all bank accounts will be closed and crash to zero .

All cabal public banks will be confiscated, and foreclosures will be frozen, as will all public and private dept(mortgage,loans, credit, and debit cards).

[study-diaries]

Study Trick That No One Told Me.

Division of subjects:

Every subject is learnt and graded in a different way. You can't use the same study techniques for every subject you have. You have mostly 3 types of subjects:

Memorization based

Practical/Question based

Theory/Essay based

Memorization based:

Mostly Biology, Sciences, Geography etc are fully based on memorization and so you'll use memory study techniques like flash cards and active recall.

Practical/Question based:

Maths, Physics, Chemistry, Accountancy etc are practice subjects. The more you do your questions and understand how a sum is done, the better you can score.

Theory/Essay based:

English, history, business studies etc are theory based. The more you write, the way you write and the keywords you use are the only things that will get you your grades. So learn the formats and the structure on how to write your answers

Note: Some subjects are a combination of the three. Like Economics etc

The reason we divide the subjects is because you can adopt the right study methods for the right subject. Like ex: business studies is mostly based on how you write your answer and the keywords, if you're gonna spend your time memorizing in this, it's a waste of time and energy.

Hope this helps :)

[pinkacademiaprincess]

life lately: studying for the cpa exam 📕🧠📝💗

some motivational pics for myself b/c i'm deep into studying for the cpa exam and the light at the end of the tunnel for me is passing scores 😅🥹🤞

[chichiscloset]

Soft Life 101: 3 Steps to Escape Your 9-5 Job If You Don’t Want to Work

Before we start, I want to clarify what I mean by “Not wanting to work.”

It means, that I don’t want to exhaust myself. I want to roll out of bed at 8 am then go to a workout class at 9 am. I want to spend my time as I please while keeping my workload to a minimum.

Working consistently, burns me out. I have no desire to prove my worth through productivity, nor do I have any desire to engage in hustle culture. I’m sure many of us can relate to feeling like the pressure to perform is exhausting. This is likely why, “soft life” is the latest trend on social media and has taken the girlies on Tiktok by storm.

In this new soft life era apparently, no one has a job and everyone is a "sahm" or "sahgf". While I understand the desire to escape the matrix and have a man you can fully depend on. Creating a more balanced and fulfilling life does not have to solely depend on your partner (though it helps!).

At the end of the day we still all want money! So how can we create an abundant life while still having a work-life balance?

Step 1: Be willing to make sacrifices

There is no such thing as something for nothing. Get that out of your head! I know we sometimes want to be saved, but unfortunately, life isn’t always a fairytale. Everything that we desire in life requires us to give up something else.

Do you want a better body? Give up junk food and exercise more. Do you want a better man? Give up your dust! To bring in the new we have to get rid of the old. If you want a soft life you’re going to have to strategize and be willing to give up what is no longer serving you.

Step 2: Find a passion you can monetize

*major key*

As the saying goes, “If you love what you do, you’ll never work a day in your life”. Find something you enjoy doing, then figure out how you, can earn money from it. Are you good at doing hair? Become a hairdresser. Are you the best dressed in your circle? Become a virtual stylist. I promise you, for whatever talent you have there are people willing to pay you for it!

For myself, I love teaching and writing! Blogging is a great way to share my expertise, create passive income, and create the life of my dreams that don’t necessarily depend on me going into a job. Also, you can make money blogging with a relatively small audience.

Check out my blog post "Make Money When your Young, Pretty & Ambitious." For more on this topic.

Step 3: Invest, invest, invest

*Another major key*

We all need money to survive. There’s no way around it! Ideally, we would live a life where money isn’t an issue and if that is your goal you have to start investing ASAP! By investing in assets eventually, those assets will make you money.

For example, invest in stocks like the S&P 500 (which is an index fund that is essentially many companies in one stock). Invest in stocks that will grow over time and make you more money than you bought them for. There are tons of ways to start investing: choose one!

A few types of investments

Real estate

Stocks

Businesses

If living a soft life is a priority to you start today with these steps that will eventually allow you to either fully retire or work minimally. If you don’t, you’ll just be stuck doing something you don’t enjoy or waiting for prince charming to come and save you.

©Chichiscloset 2023

[wildhannimal]

Before you pay that not-covered hospital bill:

I want to take a min to spread awareness for the No Surprises Act after noticing a reddit post earlier.

This protection for patients just popped up in the past couple years, and the one major downside is that it's up to the patients to speak up to make use of it, but not everyone knows what it is.

"If you have private health insurance, these new protections ban the most common types of surprise bills. If you’re uninsured or you decide not to use your health insurance for a service, under these protections, you can often get a good faith estimate of the cost of your care up front, before your visit."

Consumer fact sheet

Typically, health insurance companies will help pay for bills from "in-network" providers, AKA their VIP inner circle gang turf. They won't help pay if you get medical care from another gang's henchmen (out of network).

This means that sometimes, a person would go to the hospital, which they knew had been covered by their insurance before, so they expect it's going to be relatively affordable. But they didn't know that multiple medical "gangs" were working in the same hospital. Their anesthesiologist, for example, was from a different gang. That specialist was out of network even though the surgeon and nurses were all in network.

Boom. Big bill for thousands of dollars and their insurance refuses to help pay it.

But now we have this law! The No Surprises Act means that insurance companies need to cover "surprise" expenses (under certain conditions).

If you don't have health insurance, hospitals and clinics need to give you an accurate quote before you get services, then foot the bill if they were too far off the mark.

The Fact Sheet section (UPDATE: this consumer toolkit link is better) of the Centers for Medicare and Medicaid services have some wonderful user-friendly resources for you about health insurance and how this act works.

Keep in mind that Medicare and government-run programs always have weird rules for everything, so you might have different (yet similar) protections through those programs.

If you have a medical bill that wasn't covered by insurance and you think it might count as a surprise bill, please check out your rights and consider fighting it instead of letting it become a stressful expense or debt you can't repay.

Go here to start figuring things out for your situation:

Health insurance companies have way, waaaaay too much power over our lives. We need every drop of protection we can get - but it only counts as much as we can understand and use those protections!

[blogthebooklover]

30 Things I Learned As An Adult

In honor of me turning 30 in January, I’ve decided to write out a list of 30 things I learned as an adult.  Now, some of these worked for me through trial and error, while others did not.

1. Self Care Is Important

I cannot stress this enough.  We all need to practice self care, to take time for ourselves.  It takes baby steps to find a good self-care routine, and there’s plenty of online resources to find one to your tastes.  Remember it is all about trial and error, and don’t worry about perfecting it right away.  Research some different self care routines online as a starting point.

2. Read Books, Not Fanfiction

Okay, don’t get me wrong, I do love reading some good ole fanfiction, and current events.  However, definitely pick up a book once in a while.  Whether it’s a graphic novel, comics, manga, please develop a reading habit.  It definitely helped me out a lot as a former college dropout, there are reading lists on sites like Goodreads, here on Tumblr, even colleges have lists what books students are required to read.  And it does help with expanding your knowledge and vocabulary.  As I’ve previously said, I’m a former college dropout who’s currently back in school, however, developing a healthy reading habit is what kept me grounded.  If you need a starting point, I recommend reading a fiction book, preferably in the SciFi/Fantasy genre; or reread a book from your childhood.  Also, PLEASE GET A LIBRARY CARD!  You’ll definitely be saving a lot of money, and we need to support our public libraries now more than ever.

3. Say “No” More Often

If you don’t feel comfortable going out, or if your manager calls and asks to cover a shift, just say “no.”  Remember, you have the power to set boundaries, especially with family, friends, and work.  This correlates to number 1 on my list, self care is super important, and you cannot put your health at risk for anyone.  I’m going to repeat that last part: SELF CARE IS SUPER IMPORTANT, AND YOU CANNOT PUT YOUR HEALTH AT RISK FOR ANYONE!

4. Register To Vote, And Vote In Every Election

With politics being so polarized and divisive in the past decade, and the upcoming 2024 US Presidential Election, please register to vote.  And voter suppression has been very rampant in the past two, arguably three, decades.  To anyone about to turn 18 here in the US, please register to vote ASAP!  And vote in every goddamn election, both national and local.  I seriously cannot stress this enough.

5. Eat Healthy, No Seriously

I love some fast food once in a while now, however, please take some time to learn about healthy eating.  It will catch up with you in the future, and our US healthcare system is already fucked as all hell.  I know the rising costs of everything, including food, is insane right now; but please keep informed about how to prepare good healthy food.

6. Take Breaks From Current Events, Social Media, and the Internet

This also correlates with number one.  While it is very important to stay informed with what is happening in the world/country of origin; especially with the US Presidential Election year.  Remember, it’s okay to take breaks from reading too much news, and scrolling through social media feeds.  It really does have an effect on your mental health, and unfortunately too many people tend to fall down the conspiracy theory rabbit hole on all sides of the political spectrum.  To the teenagers and young adults, take breaks and focus on your mental health and well-being.  To the adults, read the previous sentence.  With everything so polarizing, take care of yourself first.  

7. High School Friends DO NOT LAST!

My friends from high school and early college years were definitely the “ride and die” type of  friends, metaphorically speaking.  If you have that one friend who was/is the “give the shirt off their back” type, check in on them once in a while.  However, with the former, just move on.  The friends I had in high school definitely had a lot of childhood trauma, and in one aspect, I’m glad that they were honest about it; it was/is a way to heal.  However, any “friend” who just doesn’t want to better themselves and use you for any convenience, DUMP THEM AND CUT OFF ALL CONTACT!  Remember just as you set boundaries with your toxic family members, and even for your job, you should do the same with friends.

8. Change Jobs, ASAP!

This is a very important one.  I didn’t really have a job as a teenager, I wanted to enjoy being a kid for a little longer, however, I did have an occasional babysitting job.  At 23 years old, I got a job at a fast food place.  While I do appreciate part of the experience, like how to use the “customer service” voice, however, any red flags that pop up in your head, change jobs, ASAP!  It was toxic, too political (for some weird reason) and a lot of drama (and not from the teenagers).  The grocery store I work at now does have its busy times, however, it’s much more calmer, and I don’t see too many “Karen” types. 

9. Declutter More Often

This is also a definite must as you get older.  Whatever you don’t need anymore, donate them.  Whatever is completely broken, throw it away!  Whatever it is that is in good condition, sell it or maybe give it to someone as a birthday/holiday present.  Any old makeup, throw it away!  It’ll help reduce the amount of clutter and mess.  If you need a starting point, I suggest the KonMari method.  It really did help me out a lot.

10.  Use A Planner

This is a life-and-time saver.  Write down any appointments, cleaning days, paydays, bill charges, etc.; into a physical planner.  If you’re in college, please use one!  And write down any assignments to work on/turn in BEFORE the deadline.  Also, anything important, put into your calendar app on your phone and laptop as a reminder.

11.  Have A Skin Care Routine

Okay, I know having a skin care routine isn’t for everyone, and we all have different reactions to skin care products; however, don’t be afraid to experiment with a good skin care routine.  In my early teen years, I used Proactiv skin care for my acne, and it helped out a lot.  Remember: cleanse, tone, any serum of your choice, and moisturize.  This also helps out if you don’t feel like jumping into the shower.  Also, use sunscreen, seriously.

12.  Don’t Get Married, Until You’re Ready

This is coming from someone who is single, lol.  If you plan on getting married to your romantic partner, I’m proud of you! Marriage is about communication, being honest, and doing equal amount of work (finances, household chores, etc.)  Save money if you’re planning for a wedding, or go to your local courthouse to get a marriage license if you don’t want the big, fancy reception.  

13.  Don’t Have Kids, Until You’re Ready

Again, this is coming from someone who is single and childless, lol.  Having kids is a lot of work: physically, mentally, emotionally, and financially.  Not everyone is capable of being a parent, and I have read PLENTY of posts on here and other websites about toxic parents/parenting styles.  Take time and think about if you’re ready to become a parent.

14.  Learn How To Budget Your Money

This is for anyone of any age out there.  Please learn how to budget your spending.  Look for stuff on sale or clearance, or cut back on certain types of spending. I know most people have no idea where to start, but there is! There’s some great websites and YouTube channels on how to budget your money. Another great tool to use are spreadsheets like Microsoft Excel or Google Sheets. I use a Google Sheet template to help track my spending and budget my finances. Also, if you have gift cards from your birthday/holidays/etc; definitely use them, you won't be breaking your bank account :). Also, definitely have some paper cash in your wallet for emergency use.     

15.  Open A Savings/Emergency Funds Account, ASAP!

This is a huge one to have as an adult, especially during the COVID-19 pandemic.  Anything left over from paying the bills, from a side hustle, or from your tax returns, put that into savings.  Certain banks will also have the option of creating “financial goals” in savings accounts; so I highly recommend using that as well.  This also correlates with number 14.  If you’re interested, open two or three savings accounts, the last one should only be for emergency funds.

16.  Get A Physical Hobby, AKA Exercise!

It doesn’t matter what type of exercise you do, please do it!  And for anyone who is physically disabled, there are modified options provided on YouTube.  We do lose certain motor functions as we age, so definitely pick an exercise that’s right for you, as they say. Even if it's just going outside for a walk for 30 minutes, please do some type of exercise.   

17.  Learn How To Meal Prep

It doesn’t have to be for every meal of every day, pick a meal you want to make and prepare ahead of time.  And prepare that meal the day before, so it will be on hand when you leave your house. There are some great videos on YouTube, and some ideas from Pinterest if you need a starting point.

18.  If You’re Able To, Go To The Dentist!

Seriously though, try and go for a checkup/teeth cleaning.  You’re only given one set of teeth after all your baby teeth fall out, and you need to take good care of them.  If you’re able to, or live near to one, local colleges have free cleanings through their dental training programs.   

19.  If Your Job Offers a 401K, GET ON IT NOW!

My old job at a fast food restaurant didn’t have retirement benefits, but my current grocery store job does.  I jumped on it right away, even if it’s not the job I want right now.  And it’s a good starting point to have some money saved up for retirement. If you leave the job that has a 401k, you can do what's called a rollover. This will put the money that was set into the first retirement fund into another one; you can do this with your bank or if your new job has a 401k.

20.  If You Don’t Have Health Insurance, Sign Up With The State, or Through Your Job.

In my experience, I have insurance through the state at the moment.  If your job offers health insurance as well, jump on it right away, even if it’s not the job you want, it’ll be a starting point that correlates with number 19.

21.  It’s Okay To Not Go To College

This is coming from someone who was a college dropout at 19, and currently back in school.  If you don’t feel ready to go to college, that’s okay too.  College is very expensive, especially here in the US, and not everyone can get a scholarship, even if they did apply for a lot of them.  Maybe get a part-time job or two (for some income), explore some hobbies you enjoy, and take some time to think about some goals.     

22. If You’re In College, It’s Okay To Stay At Home

Again, coming from a former college dropout, I stayed at home while attending a nearby community college in another state.  However, out-of-state tuition and housing is also very expensive.  If you have a good relationship with your parents, and if you’re going to school in-state, talk to them about staying home while going to school.  If you don’t, then talk to a trusted friend or family member about getting an apartment together that isn’t on-site housing while you’re attending school.

23. Watch Non-English Language Movies

If you’re a movie lover like me, take some time to watch some foreign language films once in a while; and I know we anime fans do, lol.  To be honest, it does get very boring watching English language films all the time, whether from the States, England, or Canada.  Watching foreign language movies will definitely help you to understand the world a lot better, if you don’t have the means for traveling yet; and they will help you to understand that no matter where we live, we all have similar issues, hopes, dreams, etc.  If you need a starting point, I recommend any of the Studio Ghibli movies, I would start with Kiki’s Delivery Service; or Guillermo del Toro’s Pan’s Labyrinth.  

24. SET BOUNDARIES

Remember: toxic family members and friends are not worth it.  You are worthy and valid for love and respect.  This correlates to number 7.  This is also very useful in the workplace.  

25. Express Yourself Through Fashion

Like everyone else, I feel most comfortable in jeans and a t-shirt myself; however sometimes I like to dress up just for fun, or to build up my self esteem and image.  This also helps when learning to pair an accessory with an outfit.  Play around with different color palettes and clothing styles, and find the one you feel the most “you.”  For example, I’ve always looked my best in jewel tones and a cooler color palette.  Read some fashion articles or watch some YouTube videos about how to pick out an outfit.

26. It Is Not Selfish To Prioritize Yourself

This correlates with number 3.  I have noticed it’s mostly a Western/American/Christian culture norm, we’re always told to take care of others before taking care of ourselves; or we’re selfish for prioritizing ourselves over others. It is not selfish, it is part of self care. Again, this is tied in with number 24.

27.   Failing and Making Mistakes Is Part of Growing

There is so much societal pressure on trying to be successful in life and work, especially in the Western/American hemisphere. However, making mistakes and failing at something is part of growing, and learning as an individual.

28. It's Okay to Not Have a Label to Define Yourself

Hear me out. I understand the use of labels in society and culture in general; everyone wants to belong somewhere and feel accepted. However, it is okay to not have a label to define who you are, and who you want/choose to be. Take all the time you need to figure out what's best for you. And sometimes people don't realize a label will fit them until they are much older in life. Or they couldn't at the time.

29. Don't Compare, You'll Get There

We are human, and we all have the tendency to compare ourselves to others. Unfortunately, this doesn't end after high school and college. And that needs to seriously change, especially in the Western/American hemisphere. Simply writing down "don't compare, you'll get there" is a great reminder to have for yourself. Everyone learns and grows at their own pace.

30. It Really Is The Little Things That Keep Us Going

When life seems to get too hard, it really is the little things that keep us going. Whether it is something as simple as someone holding a door open for you, or someone complimenting* you on your outfit or your work ethic; those moments are the ones that matter the most. Remember those moments, hold on to them.

[honeytonedhottie]

financial literacy continued⋆.ೃ࿔*:･👛💵

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

HOW TO SAVE MONEY ;

automatically deposit a certain percentage of ur income into ur savings account so that u dont even have to think about it

to do something more FUN tho, (at least in my opinion) is to make a challenge where u have to save every $10 dollar bill, or $20 dollar bill or whatever. just something to make saving money seem like a game if u wanna have some fun with it.

EMERGANCY FUND ;

most experts will tell u that ur emergency fund should be 3-6 months of ur needed expenses. so calculate ur needed expenses and multiply that by 6 to figure out how much you'd need to have in ur emergency fund.

PAYING YOURSELF FIRST ;

you should always put urself first in every single situation including financially. so to pay urself first simply means to put ur future and needs before anything else. FOR EXAMPLE... let's say u wanna buy an ipad by the end of the year, an ipad is $345.

lets also say that u get paid weekly, so you'd divide $345 by the number of weeks in a year (52) you'd get 6.6. so you'd have to save roughly $6-$6.50 a week which isnt a lot at all. and you'd be getting what u want.

INTEREST AND CREDIT ;

interest is like a reward that the bank gives you for trusting them to look after your money. the more money you have in your account, and the longer you keep it there, the more interest you can earn…💬🎀

so the bank calculates interest as a percentage of the total amount in a bank account. so if the bank pays a 1% interest you'll earn $1 for every $100 in ur bank account over the course of a year. so if u have $500 in ur account you'll get $5. its not a lot, but interest builds on itself.

credit is the ability of the consumer to acquire goods or services prior to payment with the faith that the payment will be made in the future…💬🎀

for example missing payment deadlines can negatively affect ur credit score. why is this important? if u wanna go to college and wanna use student loans, u might not be able to if ur credit history is bad. as ur credit history grows you'll get a credit score. the higher ur score, the better ur credit is.

BUILDING CREDIT ;

get a secured card. a secured credit card is a special type of credit card with a down payment. when you open the card, you will give the credit card company a deposit to hold. it can be as little as $100. the company holds the money for you and gives you a credit card with a line of credit equal to your deposit

sign up for victoria's secret direct paper mailers. you'll get a coupon each month for 1 free panty for every purchase. when u go to the mall, get urself a panty and a sweet treat 🧁 (DO NOT PUT ANYTHING ON THE CARD THAT U CANT IMMEDIATELY PAY OFF)

and then go home and pay ur credit card bill off, and then dont use it again until the next month.

[paying-the-price-everyday]

What do you do to get out of a study slump?

I’m in one and I’m exhausted. :(

First thing to understand is that we're not meant to be productive 24/7.

It might seem counter-intuitive but having clearly defined rest and entertainment time does more for my productivity than any amount of motivation or hard work. When you have time to do the things you want to do, study time is no longer something to resent.

Second, a slump happens for a reason. You need to pause and figure out why you're feeling the way you are and find a method to fix what's wrong. If it's burnout, you need to rest, take some time off and reevaluate your approach to your studies. If it's because you're frustrated with a subject, again stop, find alternative resources that will break a concept down so you can understand it. If you're unsure of the path ahead of you, find someone to talk to about it. A second perspective can help you see things clearer.

Taking the time to sharpen your axe will help you cut down a tree faster and with less effort than hacking at it with a blunt blade.

Third. Sleep. Sleep at least 7-8 hours a day, at a set time. Sleep resets everything and regulates your mood. It's easy to see the negative side of everything when you're tired.

Fourth. Keep two journals. One for you to write about anything you feel or want to get of your chest, and another to keep track and plan your studies. Planning is an important way to take the emotion out of your work. When you have a set number of hours to accomplish a certain reasonable number of tasks, there's no space to be upset or depressed about it. It's just something you have to do. Even if you only complete a few of those tasks, it's still more than doing nothing. After a few days, you'll find yourself wanting to clear the task list.

Fifth. Start early. Working long hours on your study material or assignments just before they are due is guaranteed to make you feel miserable. Consistent work from the start of your semester followed by multiple revisions will ensure you feel confident about your efforts.

Sixth. Realize that you are doing your best. A slump is not a failing, it's your body and mind telling you it needs a break, that something is not right. Don't beat yourself up about it.

[whoisheedo]

Trying to make my mess aesthetically nice. My room is quite comfy but I am not that organised

[davidson-eric]

Donald Trump, Glenn Beck and Tucker Carlson are trying to warn the American people of what's to come but unfortunately they are being silenced.

The dollar is crashing and so are the banks. In the past 2 months, America has experienced the 2nd, 3rd and 4th largest bank collapses in America history..... And it's only getting started.

Before leaving Fox, Tucker Carlson warned of the impending U.S . dollar collapse as the banking crisis. Your hard-earned wealth is at risk as financial institutions crumble and the value of the dollar plummet.