#financial literacy month

[mosspapi]

My mother really likes the rug I'm making for my apartment and said she's genuinely considering commissioning some from me. And like. I seriously deeply appreciate the thought and the fact that she likes it so much that she not only wants one of her own but will pay me for it too, but I don't think she realizes that actually doesn't do anything. "My" bank account is still owned by, managed, and accessed by her and my father. She can put money in or take money out whenever she wants. She sees all of the transactions that go thru it. If she pays me for it she's just moving her own money from one of her accounts to another one of her accounts but this time I know it exists. It's not MY money even if she pays "me".

[feddy-34]

tbh i dont think most ppl are scared enough of credit debt the way it's so casually talked abt online. my mama told me the bank would come and kill me if i ever overdraft my account

[immawritethat]

Okay dumb personal post but like so. I've been struggling with credit card debt for like. Well, I suppose probably 4 year but really mostly 2 or so years and it's been just continually racking up because I Am Irresponsible (and had a pretty bad online shopping addiction that I have mostly curbed now) but I used my tax returns to fully pay off one card and if I'm responsible, I'm on track to fully pay everything off by the end of the year while still managing my car payment, which means I can finally actually buckle down on saving to move out and I'm so like relieved I have a reasonable and manageable plan?? I just sincerely hope I can keep a hold of my spending after everything is paid-

[cryolyst]

~

[dandyboystudies]

Hello! I am a new hire working as a Student Services Specialist at an equity focused school, mainly working with low-income and underrepresented students! This means I work with high schoolers as they complete their internships/work study as well as college applications! Most of our students have low confidence in their options for the future due to their circumstances, so I want to give them the best chance they have to be successful in their own way. I am currently raising money to create an inviting office space to have 1:1s with my students as they navigate post high school options, as well as provide them with all the resources and tools necessary for their success.

Currently my office is really bland, and as I continue to connect with students throughout the school year I want to make sure they have a safe space to come talk to me for whatever they may need.

Here is my blurb for my "Self-Care Corner" project.

Applying for colleges is a very stressful time for students. As we work to support them and have these hard conversations with them some tears and frustrations have been shared. I believe that it would be incredibly beneficial for them to be able to destress and have more comforting items available for them to use at their discretion as they apply and have these meetings.

College is hard and students need a way to destress.

Our most important goal is to set students up for success - which means something different for each of them. We still require them to apply to colleges as a backup, and with financial aid talks and amidst the overwhelming application process, these students could really use materials that helps support them in self-care and promoting good mental well-being.

Right now, while funds last, ALL DONATIONS ARE BEING MATCHED. This means, if you donate $20, I will receive $40!

Donations will be matched on the "Self Care Corner" project until September 20th if you use the code LIFTOFF! But please feel free to look at the other projects and donate to those if you can as well

Any donation helps!! Also feel free to share this with a reblog, a link to social media (Facebook, Twitter, Insta, Tiktok, whatever) - it will help tons!

HELP A NEW LATINX EDUCATOR!

[corvidae-crescent]

Me: I'm not an adulty, adult

After talking to other ppl: ok nvm I'm an adult.

I didn't feel like crossing 25 magically changed my brain chemistry but goddamn.

[kavanchoksiuae]

Lessons from National Financial Literacy Month and Mastering Skills for Life

Elevate Your Financial IQ: Lessons from National Financial Literacy Month and Mastering Skills for Life

https://www2.cbn.com/news/news/achieve-financial-literacy-april-national-financial-literacy-month-flash-your-skills-year

[tahyirasavanna]

Goldman Sachs One Million Black Women Deploys More Than $2.1 Billion, Expected to Impact the Lives of Over 215,000 Black Women Across the Country

April is Financial Literacy Month. View this post on Instagram A post shared by Tahyira Corder-Arias (@iletthegoodtimesroll) Why is it important for Bipoc community? #BlackAmerica#NativeAmerican#colored A strong foundation of financial literacy can help support various life goals, such as saving for education or retirement, using debt responsibly, and running a business. What’s a 401K…

[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.

[flawless-peach]

change your life ✨️

feel free to join me in this. I'm going to try to post every day about how I did <3

- get at least 7 consecutive hours of sleep. I've found if I go to sleep and then wake up back for a couple hours and then finish the 8 hours I feel I incredibly unrested. I keep myself accountable by using pokemon sleep which has a great alarm, so I'm looking forward to trying this instead

- read or listen to an audiobook for 30 minutes. literacy is a muscle, and using it is important, but sometimes I can't just sit down and read a book, and audiobooks are great for when I'm cleaning or cooking or folding laundry

- get sun daily. humans are a lot more like plants than you would think and so it is important to get some sun, even when it's a wintery sun that's cold or when it's a blazing furnace. Since I have some mental health issues and am unable to go outside im going to at least open my curtains, and if possible, crack a window to get some fresh air

- start a hobby you can enjoy. this one can be difficult because a lot of things require some sort of financial investment. for me, my hobbies for these six months is going to be writing and annotating books. but being creative is great for the human mind.

- learn to be comfortable alone. honestly this one will be difficult. personally, I live in a studio. privacy is nothing i experience, butthe little moments where you find yourself escaping with TV playing or music pause it and sit with yourself, how else can you learn to love someone if you avoid them 🥰

- meditate daily. this will be something I struggle with so much, but I'm going to try in the mornings since that's my peak time <3 and that's when I plan on doing a yoga flow during the sunrise

- eat healthy nutritious food. I hate cooking and I hate eating. having autism can make these really difficult for me to do, but I'm really really trying. I started the week before last to work on figuring out what snack foods I can prep, and now i just need to work on planning out some meals.

- positive affirmations everyday. I really struggle to have positive self talk because it feels so awkward and uncomfortable because I've been pessimistic for so long, but I want to change that ^^

- reduce screen time. this is going to be specifically targetting mindless scrolling for me. I have a tiktok account that I use for motivation, same with my tumblr account, and I also read on my phone and use my sleep app that I need to keep open at night.

- practice gratitude. my goal is to at night reflect on the day to try and find the good. I already reflect on my days and pick a mood, but I want to create lists of things i am grateful for, especially while I'm in between jobs.

[mochinomnoms]

The Private (not) Thoughts of a Moray Chapter 1: I wonder if you look both ways (when you cross my mind)

Gender Neutral Reader x Jade Leech

Chapter 1 preview:

“Henchman? Are you okay?” “…Yeah, thanks guys, I didn’t realize how sick I was getting… this magic thing is hard.” Snorting at your whiny tone, Ace still looked at you with a bit of sympathy. “It’s that telepathy stuff that’s the problem right? Not magic!” “Although,” Grim spoke up, left your arms and stood on the step instead. “That could just be a unique magic thing, right?” “Yeah! Though it’s basically impossible for someone to have a unique magic active all the time…” Deuce rubbed the back of his head, looking at you frustrated. “You’d probably be blotting, maybe it’s something else?”

[wc} - 3,699

back to chapter list

A year ago today, you, Y/N, entered Twisted Wonderland with nothing but the clothes on your back, a rotting, haunted dormitory, and a fire-breathing cat creature. You were but a mere  human with no magic to defend yourself with and no way to return to your home. Today, after months of sweat, tears, blood and 7 consecutive overblots, you have become known as the infamous prefect. 

It was a title well-deserved for the human that survived the overblots of several powerful mages, especially in the case of your dearest, Hornton (you still called him that even now, he seemed to like it). But it ended surprisingly well, with minimal casualties to the students and to the overblotters. You really should give thanks to the Seven for that.

Though it’s really less impressive than it sounds out loud, as without the help of your fellow freshman, Ace and Deuce, Jack, Epel, Sebek, and even Grim, it wouldn’t have been possible, as you still remain mostly magicless. 

Mostly.

Despite the mirror declaring you “empty”, and though it was true for most of your time at NRC, it seems that your extended stay has slowly granted you an affinity for magic. At the rate you’re learning at though, you can mostly cast small spells, like light spells in the dark, and small healing spells courtesy of Nurse Goethel. 

You personally found it pretty impressive that you could cast spells now, though the one time you mentioned as much, Ace insisted that you were the equivalent of a little kid proudly showing off a shitty stick figure drawing of their family. 

You choose to view that as a family endearingly encouraging their kid’s budding artistic streak!

Besides, that wasn’t your only budding ability, as you noticed during the graduation ceremony for the seniors. The freshman, per tradition, were in charge of the concession stands before the graduation ceremony. From what Crowley told your class, this was to help build character and build financial literacy, for he was a generous headmage that prepared his students for the real world.

You, of course, knew that it was probably just because it was cheaper than hiring someone.

Here you, Grim, and your 6 fellow classmates worked at a booth outside the coliseum, currently selling bouquets and garlands to the graduates’ families. Soon enough, the conversation shifted to summer plans. 

“Ahh~ I’m super excited to go home! My family’s gonna go to the beach! I'm so looking forward to seeing hot babes!”

“Of course you are Ace,” Jack sighed. “I’m just looking forward to some cooler weather back home.”

Deuce looked over as he adjusted the garlands, Heartslabyul-styled, in his hands, “It’s gonna suck being alone on campus for the next three months. Are you sure you don’t want to spend summer break with one of us?”

“Ehhh? I didn’t say anything like that!” Ace scoffed. “Don’t lump me in with you, Juice!”

“Don’t be rude, Ace!”

“Deuce is right! Y/N! We have room at my home, Meemaw- I mean, Grandma -would be happy to have you!” Epel piped up from behind the booth. “And I’d finally have someone my age with me in town.”

You smiled as your fellow incoming second-years bickered amongst themselves. Jack looked exasperated at the Adeuce’s arguing, as he usually did. On the other hand, Epel was blatantly ignoring the two as he looked at you with puppy eyes, embracing his cuteness (just this once) to convince you to join him home. 

“Cease your arguing! It is unbefitting of you as soon to be upperclassmen to a new class of students!” Sebek barked, looking quite silly as Grim laid on top of his head, a scene that would’ve been impossible two months ago.

“Nyah! Quiet down, you’re even louder when I’m on top of your head!”

“Mm-hm, I appreciate the concern--Grim get off him--but I can’t,” You grabbed Grim from Sebek, who leaned down to your head to help. “Crowley’s giving me a bigger allowance if I stay to care for the fairies again.” 

Grim curled himself in your arms as he pouted. “The cafeteria and school store are gonna be closed again! How am I gonna get my premium tuna from Sam now?!” 

“Don’t whine about something so trivial! Prefect, are you sure you don’t want to spend at least a weekend with me and my Mom?” Deuce asked you once again. 

“Ah, I’d have to ask if the ghosts could cover, but a weekend should be fine, but we’d better get back to the concessions.”

“Right you are, human! We should be celebrating the graduation of our upperclassmen!”

Jack winced at Sebek’s increasing volume, “Lower your voice, Sebek. It’s already too loud with the crowd as it is.”

Wincing alongside him, you rubbed your temples as the noise from the crowd grew with the number of attendees. You'd expect a graduation to be a busy event with loud crowds, but that was before you could hear everyone’s thoughts as well.

It’d started off slow, just after the last overblot, with soft whispers floating in your mind like will-o-wisps in a dark forest. They grew, as fire does, with those whispers becoming more and more prominent. Soon you could hear your classmates daydreams, worries, and secrets, like the soft crackle from a campfire. It wasn’t like you could control it though, each little fire from your peers grew together to become one large, blazing wildfire. In the forest of your mind, one unprepared for any sort of magical blaze, it tore through you, leaving your mind burned and throbbing from the endless feed of thoughts. 

I can’t believe it’s the end of the year already!

Ah! Damn they’re loud…

Geez, Mom, stop embarrassing me, it’s my graduation…

Make it stooooop!

Maybe I should stop for a graduation garland. Would he want an NRC one or Savanaclaw one?

Pleeeease… it hurrrts!

a͔̱ͪ̓̅ͅw ͚͚̜̈́ͮ̾mán,̧ i̷̞̼ ͉͕̟͛̉ͦw̡̭̩͚͒̀̓ḁ̖͎s̶͍̻̩̉́͂ h̠o̒҉͕ṗ̭i̯ͦn͙̒g ̭̱͆ͥt̸o͕̟̫ ̤̓s̸e͉e̦̮̞͟ ̶̑͗h͏͖̠ï̪̻͓ͦ̎m̹̺̼̐͛̆ ̴̻̟̞ḅ͚efͪ͐̕o̖ͅr̦ͧḙ̹ ́ţ͔ͨh̲ͤḙͪ ̼̦̀ć͖er͓̝͕̀̓͐̕em͙͚̑̈́ȏ̟͍̹̓̓n̢̔͐͌y ̡̺ŝ͌̒t̶̪͂ąrt̞ͧeͬͫd̷

It hurts!!!

s̩̝̝ͪ̄̈h̦͉̱̰̾ͬ̄̾i̴͍̹̅͗t̬̬͇̙̳ͅ ̠̫͙̼̯͐̓ͫ͌̒ĭ͕̗͔̺̍̎̑m̛ ̱̣̗̠r͗ͧǜ͉n  n͢i̴̫͐ng̵ͅ ͇ḻ̬͙̠͋͆͆ͬa̹̬͚̺̯̯͔t̔̋ͨ̋ͬ̑e̖̹͚͓͖͚̙̅̌̉͆̌̉ͭ,̢͉͚ ̟̺̄ͦȉ̹͟ ̴͙̫̿ͫh̻͓ͨͦo͛͛̊̂̂̿ͯp̪̙̠̬̗ͣͤͪ̎̆͘e i͚̝͇̲̜̠ͣ̐͌̑̓̋ ͘c̉ͧ͌̓͂ a̳͚̐̚n̤̰̖̮̘͍͖͂͋ͧͯͫ̈̒ ̩͊g̷ͦͯ̈́̿̆̊̾e̴͖̙̲̮̦̰̮̽ͨ̑͌̉̿̅t͉̳̯̙ a ́̄̌ͦ s̈́̏́͟e̝͇̮ͥ͋̀ḁ̯̼̪̮̅̌̓ͩͥ̚ͅt̰̝ͥ̏ ͕̰͇͚͝

what up w ẅ̰̗̠͇͛͗̓h͇̱̥̔̈̽a̮͓t ̛̦̜͓͔̒ͧ͑̈u̽ͧ̓ͨ̾̐͝p̢ ̫͓wì̹͉̹̮t̰̪̝̞hͦ̐ͬ ͐̿th̋̇ͪ̃̊̈̇͏̠̜̯̤̝̯͉e ̴̯͎̦ͨ͐ͩp̅ͤ͆r̠͙̂̔e̥͑͡f́ë͈̭͍́̇ͬct?̧͙̭̥̞͎̬̠     make it stop!!   ȁ͍̘̝̩̄̂̿̐ͅw͇̪̯̥͕̞͚ ̧̭͍͕̼͈͕́̓̋̉̀̒̾ͅmàn͖̝͍̻̹̈͐̐̎̏ ̴ ṯ͇̭͕̼̏̉ͧ͒ͥh͏e̘̠̜͔̖̓̃̑͑̅y͓̣͙̭̤͔̘ͤ̎͂ͫ͛ͩͯ'̸̘̖̺̤̿̇̿̌r̬̰̮̩̜̞̫e͕̠̯̤ͧ̆̌̾ ̳̝͈̞̔͂̅̃l̯̘̻̖͔̝o̤̺̽͐o̪k͖̼̼̝̜̬i̙͕͙̯͈ͪ̆ͦ́̿̌ͅn̥̯͔̗̼ͅg͙̞͓͉͕̽͑ͦͭ͋ ̺͙̻̩̏͆̈́͊k͕͓̣̫͙̖̝i n̩͕̂̎͝d̵̞͖̘̦̳̟̺͂̂ͣ̑ͯͫ̇a ̛͈̺̲̥͉̮͇ͫ̎ͩ͋̍͛͗ s̮͍̘͎̼͔̥ĭ̑ͮ͑͂c̢̪̠k͇̜̾̆.̜̳̘͔̟̙.̦̦̎̓.̹̀̄ͅ stooooop! Ÿ̳̼̱͚̱̹́̈͊͒̅̋̀/͌͢N̠̳̠̰̖̜̻ͤ̋ͪ͒̒̋̆?̣̯͖͖̫̥͒̌̂ͣ̆̚ 

Iş̘̭̺̱͇̖ͧ͛̀̉ͭ̏̚ͅ ̷̜͍̩͈̹̻̥̋́̋͆ͣ̃̚t̼͐hȅ̋̊̉̑ ͍̺͇ STOP IT!!!!! h̖̳͜ͅu͌ͬ̅͆͊͑́҉͈͓̭̮̲̥͓m̹̟̟͇͚a͎̳͉̗̟̳n̥̘͈͚̫̣͉͊̾͗̏̃ͥ̿ ̝ͧg͎̅ő̳͔̖̞̄ͣ́n̪̰͈̝̙̣͕̆ͥ̄ͮ͒ͤͬṉ̖͕̍ͯ̚å̡̼̪͔͍ͦͣ̚ ̒̆͞p̯̝ǔ͙k͎͎̪̜͇͔͒́̉ͨ̓̏e̷̞̺̖?̯̘̻

AAAAAAAAAAAAAAAAAAAAAAAA!!!!!

H͇͖̱̪͘e͇͍̲͍̺͈ͅnc̟̘̘̟͖̎̐͊ͧ̅́ḣ̋ͦm̪̚ḁ̟͍͓̻n͊͘?̬͙ͣ͛

“Y/N?”

You felt soft purring against your chest, where you had been clutching Grim tighter to your chest as you hyperventilated. Grim pressed his head against your chin in an attempt to comfort you as tears flowed from your eyes. You could still feel your head pounding when Ace and Deuce approached with concern. 

“You don’t look too good Prefect, do you need to take a breather?”

“Deuce is right, come on let's take you back to the dorm!” Ace placed a hand on the small of your back and began leading you away from the crowd. “See ya later guys!”

“Hey! You can’t just skip out of work like that!” 

“Trappola! Get back here!”

“H-hey wait! Deuce, give back the garlands!” 

Ace continued walking as Deuce ran back to hand Epel the products in his hands. “Oh sorry can’t hear you from here, Prefect is super sick, gotta blast~”

Leading into your friend, you let him guide you to your dorm, Deuce catching up to you as well. While it was still relatively packed along Main Street, even with the ceremony starting soon, the crowds dispersed as you two headed closer to the dorm.

Ah man, the line at Sam’s is super long. Maybe I can cut in somewhere?

Oh look at the Great Seven! Wait, that one’s an actual lion?

The botanical garden is closed! Nooo, I was gonna confess there before we left for internships!! 

As the four of you approached to the dorm, you visibly relaxed as both the voices and thoughts of the crowds quieted down. 

“Hey, we’re here,” Said Deuce, relaxing slightly as you approached the gate to Ramshackle. “You wanna just sit out here for a bit? The weather’s not too bad.”

You nodded and relaxed as you and your friends sat on the stone steps of the dorm, taking a deep breath as only the faintest of voices made their way to your head. From this far away, it made for a more pleasant ambience, like those YouTube “study with me” videos you’d put on for studying back home.

“Henchman? Are you okay?”

“... Yeah, thanks guys, I didn’t realize how sick I was getting… this magic thing is hard.” 

Snorting at your whiny tone, Ace still looked at you with a bit of sympathy. “It’s that telepathy stuff that’s the problem right? Not magic!”

“Although,” Grim spoke up, left your arms and stood on the step instead. “That could just be a unique magic thing, right?”

“Yeah! Though it’s basically impossible for someone to have a unique magic active all the time…” Deuce rubbed the back of his head, looking at you frustrated. “You’d probably be blotting, maybe it’s something else?”

You snorted at his comment, drawing strange looks from them.

“You could’ve just said I’m weird. It’s a well known fact at this point.” Sighing dramatically, you threw yourself down to lay on the steps with your wrist resting on your forehead, tossing back your head for extra effect. 

“Magic or not, I, the Ramshackle Prefect, will always be the strange little human! Whether it’s the strange human with no magic, or the strange human with weird…uh…mind magic!” You heard him snort. “I, alas, remain a spectacle!”

Rolling his eyes, Ace flicked your forehead (“Ow! Ace what the fuck!”) at your dramatics and sighed. 

“You know, I was joking earlier. You can join me—or Deuce, I guess (“Hey!”)—during the break. We’re not all-knowing like a certain housewarden friend of yours, but we can help you figure out what's up with you.”

So far, only Ace, Deuce, and Grim knew about your newfound ability. And while it was the thought that counted, neither really knew anything about spontaneously gaining magical abilities. In fact, no one, not Crowley or even Hornton, really knew what to make of your new powers. Adding telepathy on top of the mix seemed like a good path to trouble. In the meantime, you found it best to keep it between you four, even if you felt bad leaving your other three friends out of the loop.

I bet my brother can help us figure out something, he works at a pretty swanky university back home! 

You sighed and adjusted yourself so that you laid on your side, Grim curling up to you as you looked up at your friends. Ace sat a few steps down, so he could stretch his arm alongside your back, while Deuce laid his head on your waist. 

Almost a year's worth of life-threatening fiascos have led to your closeness to your dearest friends, and Ace’s casual PDA with you and Deuce certainly helped bring your little group close together. 

“I’m not gonna ask that of you, as much as I appreciate it.”

Why not? “My mom would love to have you over! It’d be no issue!” We could meet up with Ace and go to a library or something.

“That’s not the point Deuce,” You responded. “I just want to be able to do things on my own, and do you and Ace even live close enough to do that? Isn’t the Queendom pretty big?”

What? He didn’t mention me. Ace made a face at you as you answered. “Are you reacting to his thoughts?” Man that’s kinda creepy.

“Shut up, Ace.” Sorry… “I’m not trying to be creepy!” 

Deuce smacked his side. “Don’t call them creepy!” Don’t be rude, Ace!

“Ya, what he said, don’t be rude!”

“He didn’t even say anything out loud!”

You blew a raspberry at him, the other Heartslabyul student snickering at his exasperated look.

You’re lucky you’re both cute…and stop laughing at me Deuce!

Grin widening, and migraine fading, you wiggled your eyebrows at Ace. 

“Oh~ you think we’re cute? Deuce, he thinks we’re cuties!”

Eh? Me cute?

“Okay! That’s definitely not fair! Shut your mouth now before you spill all my secrets!” Ace grabbed at you as he tried to cover your mouth, blushing, failing to notice Deuce’s equally red face.

“Nyah!!! Watch it! No crushing the mighty Grim!” The little cat hopped out of the way and into Deuce’s arms as the two of you began to playfully wrestle. “I can’t be smushed before I become the greatest mage ever!”

You and Ace continued to fight for a few minutes, Ace gaining the upper hand as you were already laying down. Eventually, he finished your fight by simply holding your hands hostage in his, and laying across you, preventing any movements other than squirming, much to the other two’s amusement.

Unable to wrangle your hands back, you ceased your movements, huffing. Haha, I win. Instead, you relaxed, finding his presence on your chest comforting, like a weighted blanket.

Silence overtook the four of you for a few minutes, Deuce looking off into the nearby woods, Grim grooming himself, Ace settling in for what looked like a nap, and you gazing at the sky as stars began to emerge in the dusk.

“It’s just…” You spoke quietly, breaking the silence as if telling a deep secret. Maybe you were. “I’ve been so dependent on others while here, and now I feel like I can take that burden off of others.”

Your comment disrupted the comfortable quiet between you all. 

“You’re not a burden,” Not to us. Deuce spoke up, his voice soft. “But I understand, wanting to become independent.” I want the same too. 

“If you were a burden, we wouldn't've stuck around for so long you know!” More brash, but just as soothing, Ace scoffed. We love ya too much for that, anyways. “I think Deuce would agree with me.”

“Besides!” Grim piped up, standing up now with hands on his hips, You’re my henchman! “I need my henchman! You wouldn’t be allowed to go anywhere without me!” How else are you gonna survive without the great Grim!

You smiled at the three, taking a deep breath. 

I don’t know what I’d do without you guys. I wonder what would’ve happened, if we never crossed paths the way we did. 

Grunting, you push Ace off to the side (“Hey!”) and stood up, stretching your limbs until they gave a satisfying pop. 

“We should probably head back, Riddle’ll probably have both your heads if he finds out you're missing from concession duty.” 

“Ah shit.” You’re totally right. 

They’re right. “Are you sure you’ll be okay though? It’s gonna be way more crowded once the ceremony starts.” Deuce stood up with you, letting Grim take a perch on his shoulder.

Myah! I’m taller here! 

“Hm, yeah I think so.” You held a hand to Ace and helped him up. “I’ll just focus on whatever you two start dozing off about! Don’t think about anything gross though, Ace.”

He threw his hands up. “I don’t know what you’re talking about!” What? You think I’d think of dirty thoughts? “It’s not like I’m actively trying to think of stuff to freak you out!” 

“… I heard you think about whether or not you’d fuck your own clone—”

“THAT WAS ALL CATER!”

Laughing at Ace’s red-faced embarrassment, your little group walked back to the coliseum to join your friends before the graduation, and the end of the school year, finally commenced. 

Geez, it’s crowded.

Ah man, I hope I’m not forgetting anything. 

I wonder if they’re gonna let us keep our rooms when we get back.

The food’s gonna go bad! Come on, let me get to the mirror!

My internship will start right away, I should tell them goodbye now. 

I wonder who’ll be housewarden now that Leona’s gone. 

I can’t believe I went through the entire year without meeting Idia, my own housewarden!

We can’t lose you!! Come back, I can’t work the lounge without you!!

Groaning from both the noise of the crowd and their thoughts, you rubbed your temples, reminded of the night before. Grim was still at the dorm, peacefully dozing off the morning away. At least this time you could blame your friends for keeping you up at the impromptu sleepover. 

“I told you to go to bed early,” That’s how you get sick, Prefect. 

“Shaddup Jack, that’s not why I’m feeling sick.”

“... I didn’t say anything about you being sick?” Did I say that out loud? “Uh, you’re okay, right?”

Waving off your slip-up, you nod. “Yeah, I’m fine, just tired. Hey, who’s gonna be Savanaclaw’s housewarden with Leona becoming a fourth year? Do y’all have, like, a throw down or something?”

Crossing his arms, ears flattening, Jack shook his head. That’s stupid. “No, of course not.” They’d probably do that if they could honestly. “Leona had appointed Ruggie, surprisingly, but he didn’t want it. Said he didn’t want to fight with whoever might become vice housewarden later on.”

“Eh? But I heard that he took it after all!” Epel chipped in, hair swept back in a ponytail and skin immaculate despite the late night activities (damn Vil and his pristine skincare routine). “What made him change his mind?”

“A-ah, well, I uh-” Rubbing the back of his head, Jack suddenly looked embarrassed. “asked me to be his vice housewarden, and I couldn’t refuse an upperclassman’s request.” 

“Woah, what!” No fair! “I can’t believe he asked! Vil didn' even spare a glance at me!” Epel pouted, his accent emerging before he caught himself.

“I mean, good for you Jack! I’m happy for you!” So unfair…

“Yeah man! Don’t be so bashful about it!” It’s super cool! Ace and Deuce approached you two, out of breath from running over, “Riddle definitely didn’t consider one of us for vice! He asked someone from his year to take Trey’s place.”

The pair had woken up late and ran over to pack up the rest of their things (or at least Ace did, Deuce had his stuff already packed, but couldn’t find his shoes at Ramshackle this morning), so both were slightly disheveled. 

“Of course not! Rosehearts would only expect the best of his dorm to lead the rest by example! Something the two of you humans fail to do!” Unlike me! My lord asked me and Silver to take his and Master Lilia’s place! Oh, joy to be considered a guiding leader by the Young Master! 

 “Unlike you two, I was deemed worthy by the Young Master to be Diasomnia’s new vice housewarden!” Sebek chastised the two, dressed in rather prim clothing that didn’t differ too much from his dorm uniform. “If you two were to shape yourselves up, then I’m sure Rosehearts would’ve considered once of you as his vice housewarden!” 

Groaning, Ace rolled his eyes at Sebek, who made an offended noise, before throwing an arm around you. “Hey Prefect, you know our offer still stands-”

“What do you mean our offer, Ace, I made it first!” Deuce grumbled. You’d probably make them clean your room or something as payment.

Shut up, Deuce. “-You can always stay with one of us during summer break! The headmage probably has someone else that can care for the fairies anyways. Enjoy the break with us!” Ace grinned and gave a sly chuckle. Plus, you can wear a super cute bathing suit to the beach with me! Yeah, I know you heard me~

“...Thanks Ace, maybe next time.” Deadpanning, you reached up and yanked on Ace’s ear, who started yelping in pain, as you pulled.”No guys, I promise I’ll be fine! Some of the juniors—or I guess seniors now—they’re gonna be coming to the college during break to solidify their internship credits and stuff. Plus I got the ghosts, so I won’t be lonely!”

Deuce looked at you with furrowed brows and concerned eyes. “Are you sure?” 

“Yes, but don’t worry,” you winked. “I’ll definitely be coming by to meet your mom. I’ll let you know so I can figure out the ferry and bus and stuff!”

“Oi! You can’t say that and not visit me too! It’ll basically be in the same area,” Ace whined, he’d accepted his fate with his ear in your hand.

“Yer gonna visit my place too then!” No fair to see just them!

“I’ll be visiting Epel’s place later in the summer, so we can meet then too,” Jack offered, a small smile on his face.

“Then it would only be acceptable to visit Briar Valley too! The Young Master—” And I. “—should be your first visit!”

Smiling at your friends, you felt incredibly lucky to have made a small family for yourself in a home away from home. Soon enough though, each passed through the magic mirror, exchanging promises of visits in the near future, though Sebek’s voice still rang in your ears.

Even when the last of your friends stepped through the mirror, you loitered around the mirror chamber and wished farewell to your other acquaintances and friends. Cater even gifted you a custom phone case before leaving, promising to message you on Magicam when he returned before his internship. As the crowd became smaller and smaller, you yawned and determined that it was time to take your leave and sleep for the rest of the day with Grim. 

Turning to the exit, someone’s peculiar thought entered your head.

Ah, no goodbyes for me, my cute little pearl? How devastating! Why don’t you look my way, cute little Y/N?

Whipping your head around with wide eyes and a flush face, you scanned the remaining students for the person whose thoughts you heard. Searching for someone looking your way, or looking sad, or something, you came up empty. A few students from Heartslabyul, Ignihyde, and Octavinelle remained. From the remaining students, you only recognized Azul and the Leech twins, none of which were looking in your direction. 

Tired and confused, you shrugged and simply continued your leave. Though, not without one final thought entering your brain. 

Finally leaving? Until next year then, my little pearl~.

[theambitiouswoman]

I love money and money loves me.

How to change your relationship with money:

Reframe the story you tell yourself: Work on establishing an abundance mindset. Look at your current beliefs and attitude about money. Do you have a scarcity mindset? Are you constantly chasing money and not believing you can reach your financial goals? Do you think money is bad?

Establish a positive mindset: Focus on gratitude for what you already have and embrace the belief that there are endless opportunities to become financially successful. Practice affirmations or visualization exercises to reinforce positive thoughts and attract abundance.

Educate yourself: Expand your financial literacy by reading books, watching videos, going to seminars or taking online courses on personal finance and money management. Understanding concepts like budgeting, investing, and saving will help you make informed decisions and take control of your finances.

Create a clear plan: Define specific and realistic financial goals for yourself. Whether it's paying off debt, saving for a home, or starting a business, having clear objectives will give you direction and motivation. Break these goals down into smaller milestones to make them more achievable and real in your mind.

Create a budget: Create a budget to track your income, expenses, and savings. Budgeting helps you gain a clear understanding of where your money is going and allows you to prioritize your spending. Ensure that your budget aligns with your financial goals and helps you save for the future.

Monitor your spending: Monitor your expenses closely to identify any unnecessary or impulsive spending habits. Use mobile apps or spreadsheets to record your expenses and categorize them.

Save and invest wisely: Make saving a priority by automating regular contributions to a savings account. Start building an emergency fund to cover unexpected expenses. Investing your money wisely to grow your wealth over time. Make your money work for you. Having money just sitting in the bank will not make it grow.

Needs Vs wants: Before making a purchase, ask yourself if it aligns with your values and financial goals. Avoid impulsive buying and give yourself time to consider whether it's a necessity or a fleeting desire.

Surround yourself with people who feel comfortable talking about money: Engage with people who have a healthy relationship with money. People who can casually have a conversation about making $10k, $20, $50k etc a month without blinking an eye. This will open your eyes about what you can have and help you feel comfortable with setting goals for yourself.

[chichiscloset]

How I Earned a 782 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

[valorascult]

⋆.˚✮ Mental Glow Up Tips ✮˚.⋆

When we hear the words “glow up” - many of us automatically think about our appearance, not understanding that a glow up is internal and external. Too often we neglect our mental state and stay stagnant; repeating the same cycle our whole lives. It’s important to practice mindfulness and stay in the present moment so we are able to be fully aware of our thoughts / actions to reduce stress and increase mental clarity. Taking care of our mind is a large component to self-care, if not, the most important.

Below are a few exercises & knowledge ideas to practice.

Write down all the old habits the new you wouldn’t carry & write how you will replace them - what new / more self fulfilling habits will you now include into your daily life

Focus on reading one book a month. This can be about anything you wish. Reading will help you expand your vocabulary & literary skills , lower stress levels, improves your sleep if you read before bed, improves memory & can give you the confidence to speak with others about topics you might’ve stayed silent about prior to reading.

Stay up to date on global changes. You don’t have to know everything going on but its important to know at least 3 big events currently happening. When you go to gatherings and people are speaking on global events, you will have the courage and knowledge to also pitch in. Don’t be the one sitting in the corner clueless.

Aquire a mentor. It’s important to have a guide in your life, why not make it easier with someone likeminded and encouraging? You never know where this connection may lead, this will always open new doors for you. Don’t be afraid to ask questions & share ideas. A mentor is able to provide you unbiased advise from their previously acquired knowledge + hold you accountable.

Start learning a new skill that most people wouldn’t expect you to have. This allows you to be more interesting from some else’s pov. This doesn’t mean acquire a skill you normally wouldn’t care for just to be ‘cool’ - but rather, acquire a skill you’ve been wanting to achieve for a while that you probably haven’t told many people about. Pick a niche topic.

Listen to informational podcasts - this improves your overall listening skills and feeds you valuable information at the same time.

I know it’s talked about 24/7 but STOP procrastinating. That goal you have set a year from now? How can we now make that achievement in 6 months? Every day you should be working towards something. Too often we fill our days with things we believe are getting us somewhere (cooking, cleaning, running quick errands, etc;) when in reality those activities are simply getting you by - these are already set in stone chores you are going to do regardless. What is your goal? How can you break down your goals on paper to achieve things each week instead of each month?

Learn financial literacy - you should have control and understand your finances. When it comes to money, you should have confidence. This equips you with knowledge to make informed decisions.

I could write around 20 more tips but I will keep it at the basics. Don’t overstimulate yourself, reward yourself for achievements - you don’t have to be strict but don’t slack either xoxo.

[hypergamiss]

please do expand on the deal breakers

Here is a list of my deal breakers for a husband. If any of the things on this list applies to someone I am dating, I do not continue to see them. I can typically detect any of the things on this list within the first month (or sooner) of dating if it applies to them. This list covers everything for me, there may be things that are still deal breakers that are not on this list because I would consider them a sub category. For example: A mommas boy is a deal breaker for me. Meaning he plans on putting his mother before his future wife. That falls under “No emotional intelligence” for me.

- Any porn addiction

- Any Drug / Alcohol Addiction or Abuse

- Disrespect / Abuse of any kind

- Any type of disloyalty

- Insecure

- No drive / future plans

- No Self Care

- Unreliable

- No emotional intelligence

- Unresolved past traumas

- Not religious / No relationship with god

- No financial literacy

- No prenuptial Agreement

- Any form of communication with any ex

[you-show-me-love]

Chaos Gallavich Headcanon time:

In season 11, the first conflict Ian and Mickey have is Mickey spending all the money they got when they got married, leaving Ian to find a shoebox full of IOUs and be very pissed off.

And to me, this is such a logical conflict for them that I actually appreciate as their first in a marriage. Finances! Though they are both low class, same neighborhood, etc. They handle money very differently, and its been part of the show the whole time, but we get to see it come to a head in the final season.

So we see a lot of the Gallagher money struggles in the show. We see how they work odd jobs and all pitch in to make ends meet and squirrel away extra money for the winter months when it seems random jobs are harder to come by or bills get more expensive or Christmas or whatever. The Gallaghers work as a unit when it comes to money.

Looking at Ian specifically, we see how his Gallagher-giving mentality expanded to Mandy and Mickey and anyone he considers family. He puts money in Mickey's commissary, raises money for Mandy's abortion, and even in his mania when he is the most in need of help himself, he figures out a way to make money to support Mickey, his wife, and his child.

And even later, when Ian has a good job and most of the Gallaghers are financially getting by and he's had enough extra money to start saving, he gives it to mickey. All of it.

On the flip side, though we don't get the kind of insight into the Milkoviches that we do with the Gallaghers when it comes to finances, Mickey seems to be more impulsive and selfish with money.

The Milkoviches don't strike me as a group to honestly fork over everything they have. Most likely, they don't even split profits easily over jobs. I do think quick math comes naturally to Mickey, but I also think he learned young to count the money he's worth, and he's owed.

The problem arises when he has money or access to money. He drops multiple bills on the bisquick when he doesn't need to, spends the money frivolously until it's all gone, and he moves on to the next con. We always see Mickey working and trying to make money, and yet where is it? I don't think he's capable of squirreling away, of saving, of thinking long term with his money.

That's why when he sees their wedding money sitting in a box not being used, he just starts spending it. And he leaves IOUs because in his mind he'll make that money back and more with the next scheme. And he's not really proven wrong.

Anyway, I feel like I could talk for ages about their financial literacy and how it impacts their relationship but the writers decided it'd only last a few epsiodes and they'd focus on questioning their desire for monogamy so... 🙃