#financing becomes

[theambitiouswoman]

Basic Financial Rules To Live By 💰✨

Create a plan that shows how much money you get and how much you spend. This helps you see where your money goes.

Set aside a part of your money as savings. Try to save at least 10-20% of what you earn.

Be careful with borrowing money, especially if you have to pay back a lot of extra money (interest).

Save some money for unexpected things like medical bills or losing your job. Aim to have enough to cover your living costs for a few months.

Put your saved money into different things that can make it grow, like stocks or real estate. Be patient, as it takes time.

Don't spend more money than you make. Stick to buying what you really need, not just what you want.

Decide what you want to do with your money, both in the short term (like a vacation) and long term (like retirement).

Set up automatic transfers to your savings and bills so you don't forget to save or pay your bills on time.

Make saving money a top priority before spending on other things.

Regularly look at your money situation, adjust your plan as needed, and see how your investments are doing.

Pay your bills on time and use credit wisely (like credit cards) to keep a good credit score, which can help you get better deals on loans.

Save money for when you're older and don't work anymore. Use retirement accounts to help with this.

Think before you buy things. Don't buy something just because you want it; think if it's necessary.

Keep learning about how money works and how to make smart money choices.

Only use your emergency fund for real unexpected problems, not for things you just want to buy.

[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…💬🎀

[pinkacademiaprincess]

corporate barbie 👩‍💼💄💗📈

gonna be starting my full-time job soon, i'm looking forward to being the newbie who's on top of things & surprise everyone with how much i know 💅

[boygirlswag]

modern au laios would 100% be a zookeeper. i feel like they'd start him with mucking out the monkey pits but hes so good with kids that they eventually just let him do shows and demonstrations. actually where's the dungeon meshi we bought a zoo au

[thatgirlchallenge]

Just finished reading “ Why didn’t they teach me this in school”.

It’s a nice book that gives some very basic advice about managing one’s finances. Despite the book being very basic, I believe that it’s a must read.

Just a few weeks ago, I didn’t know about most of these advice, but since I’ve been reading and learning, these basics seemed “ obvious” to me.

And that definitely shows progress. I am almost excited to live alone again, just to see how much I can do/save now that I know all of this!

[canisalbus]

What do you think would have happened if (somehow, idk how but somehow) Machete rose to the rank of pope?

To be perfectly honest? I think most realistically he would've ruled maybe six months at best and then keeled over from stress and exhaustion.

[abyssaldyke]

Oh my god if you are in the USA and filing your taxes yourself this year, please use the irs free file tool to find guided tax software. You can calculate your agi (adjusted gross income, basically the first thing on your W-2) quite easily and if it is under $79k USD, the irs will direct you to free tax software so you can file both federal and state at the same time. I ended up using 1040.com for my slightly-complex return and it took me 2 measly hours. Be not afraid! Go forth and file!

[teacherstudiies]

Another glorious day to remember I’m not a teacher in the US who has to spend fortunes on a classroom while being forced to work 2 jobs aber school

[flygonscales]

2 weeks at uni and I’ve already reached peak procrastination. I found masking tape and somehow decided that the best use of my time was to make a tiny Belphemon-sleep.

[marzipan333]

friday - september 6, 2024

🌸 i can’t believe it’s almost autumn, the summer went by so fast!

🌸 work/life is hard right now but i’m doing my best. the real challenge is getting enough sleep 😭

🌸 focusing on my finances these days, trying to get my budget in order & watch my spending

🌸 overall, small steps & reminding myself progress isn’t linear

[abundancewithher]

Changing My Mindset

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

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

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

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

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

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

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

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

Evolving into More

Free Tea

maleeka, is my gurdian angel

Ayesha Noella | Affirmations

Whimsical Tarot

White Feather Tarot

TheWizardLiz

Shonnetta's Divine Tarot

SheraSeven

[killcatboys]

trying my absolute best to follow along and study well for my business minor but realizing that no matter what i learn ideologically i just do not agree with absolutely ANYTHING this professor is saying

[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.

[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 😅🥹🤞

[nightswatchdisbandmentera]

I’m sorry but the best Jon Snow AUs are those where he is some sort of civil servant. I always see people headcannon him as ROTC/soldier or cop but I think they kind of miss the mark. GRRM has steadily been moving away from the traditional warrior archetype with Jon and more into the counts-pebbles ruler type. So the cannon compliant AUs are the ones where he ends up as some sort of government official. Maybe he could be a city hall manager or an ombudsman. He could be a state representative or maybe even a senator. Let me remind people that he’s the only elected leader in the series. AU!Jon Snow would totally be the extremely competent but also extremely depressed congressional representative from like, idk, Alaska.

[thatgirlchallenge]

We ( or at least I did) seriously overlook the books for dummies ! I honestly started reading them, and I quite enjoy it. It helps to get the basics about a topic, so later on you can dive into it more in depth.

For example, I decided to started by reading the budgeting one, which was nice ! I knew most of the stuff that was written about, but i still learnt a few important information. I feel like that's a book you can go back as often as needed.

Now, I plan to read "the investing in your twenties" one, and "the how to overcome your internet addiction”. I'll post an update once I've read them. I also got "the economics for dummies". I've been interested in getting more educated about economics and politics as a whole. Sure, I am not a " dummy" about it, but I feel like i can learn so much more, but I need very strong basics, on top of using the proper terms.

Honestly, so far, I really recommend it ! I've also gotten the ones about how to start a business etc. I have a few ideas that I might, one day, work on, so who knows... They might be useful in a near future !