#financing management

[bitchesgetriches]

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

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

On food and groceries:

How to Shop for Groceries like a Boss

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

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

You Are above Bottled Water, You Elegant Land Mermaid

You Should Learn To Cook. Here’s Why.

On entertainment and socializing:

The Frugal Introvert’s Guide to the Weekend

7 Totally Reasonable Ways To Save Money on Cheap Entertainment 

Take Pride in Being a Cheap Date

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

Your Library Lets You Stream Audiobooks and eBooks FOR FREEEEEEE!

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

You Won’t Regret Your Frugal 20s

On health:

How to Pay Hospital Bills When You’re Flat Broke

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

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

Why You Probably Don’t Need That Gym Membership

How to Get DIRT CHEAP Pet Medication, Without a Prescription 

On other big expenses:

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

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

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

You Deserve Cheap, Fake Jewelry… Just Like Coco Chanel

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

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

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

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

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

On buying secondhand and trading:

Almost Everything Can Be Purchased Secondhand

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

The Delicate Art of the Friend Trade

On giving gifts and charitable donations:

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

In Defense of Shameless Regifting

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

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

How to Spot a Charitable Scam

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

On resisting temptation:

How to Insulate Yourself From Advertisements

Making Decisions Under Stress: The Siren Song of Chocolate Cake

The Magically Frugal Power of Patience

6 Proven Tactics for Avoiding Emotional Impulse Spending

On minimalism and buying less:

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

Everything I Know About Minimalism I Learned from the Zombie Apocalypse

Slay Your Financial Vampires

The Subscription Box Craze and the Mindlessness of Wasteful Spending

On saving money:

How To Start Small by Saving Small

Not Every Savings Account Is Created Equal

The Unexpected Benefits (and Downsides) of Money Challenges

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

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

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

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

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

Bitches Get Riches: setting realistic expectations since 2017!

Start saving right heckin’ now!

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[standingappa]

headcannon that albus is a math genius he just never knew because they don’t teach fucking math at hogwarts

[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

[thatsbelievable]

[chrisdoeslife]

I had this exact conversation with a friend last week. She had over $3K in a Roth account just SITTING THERE. Not invested in anything. But how would she know?? Nobody ever explained it all to her, they just told her to open a Roth IRA and deposit money every month.

So this is just a reminder to all of you since I often post about financial planning and saving for retirement!!! Make the IRA contributions and then buy assets with that money!

[my-autism-adhd-blog]

Hi everyone,

I got an inbox asking to share some tips for financing when you’re autistic. I found a helpful guid from the National Autistic Society:

Budgeting

The first step to managing your money is to work out a budget and stick to it. Budgeting will help you:

* keep track of what you are spending

* help you to avoid going overdrawn on your bank account by spending money that you don't have

* decide whether you can afford to buy something that you would like

* deal with debt by planning repayments that you can manage

* work out how much money you may have to save. 

Bank, building society or post office accounts

Most people now have one of these types of account. The benefits of these are: 

* it will keep your money safe

* you can pay bills more simply by direct debits or standing orders

* internet banking is now widely available. This reduces the need to visit banks and other services that autistic people may find difficult

* benefit payments can only be paid into an account

* you can have a debit card, making it easier to pay for purchases and you can shop online 

* you may be able to earn interest on the money you have

* you can pay bills by direct debit or standing order, which are sometimes rewarded by a reduction in what you pay for services

* you can use your cashpoint card to access money easily from cash machines in the UK and sometimes abroad

* your bank or building society may be able to give you an overdraft or loan.

Debit, credit and store cards

There are a number of different cards that you can use to make a payment. These include:

* cashpoint and debit cards

* credit cards

* store cards.

Borrowing money, making payments and debt

It's easy to think of a loan or overdraft as free money, but it’s actually expensive as you have to pay back the original amount plus interest. Try to only borrow money when you need to and repay it as soon as you can. There are many ways of borrowing money, including:

* borrowing money from family or friends

* having an overdraft

* taking out a personal loan or secured loan

* applying for a credit card.

The full article will be below, as it goes into more detail. I hope this helps many of you.

National Autistic Society

[y-rhywbeth2]

OK, so good news(?); either the temple is so dilapidated that it isn't worth taxing (considering its in a part of the city that's so old the modern city is built on top of it: fair) or else Durge will be going to jail for tax evasion... Oh dear, it looks like it's time for the apocalypse! What a shame that will interfere with the court date!

Also they seem to expect the bank to still be standing once they're done razing the city and they are a fucking terrible employer:

Player: "Fine. I'll open an account." Head Clerk Meadhoney: "Splendid! New coin and customers always welcome. We need only settle the matter of Waukeen's Wage." Player: "I've recently come into a large estate. Could I sign it against that as a guarantee instead?" Head Clerk Meadhoney: "Naturally. We serve the Gate's oldest families - not all have cash in hand. What kind of establishment would we be if we saw value in coin alone? Could you provide the address of your property?" Player: "It's in the Undercity." Head Clerk Meadhoney: "Oh, by the Coinmaiden! How, er, quaint. And the name of the manor?" Player: "Erm, the Bhaal Temple." Head Clerk Meadhoney: "Is that B-H-A-A-L or B-A-L-L?" Player: "Bhaal. As in, the Lord of Murder." Head Clerk Meadhoney: "Silly me - of course! Let me check our records..." Head Clerk Meadhoney: "I'm afraid your estate is not registered on the Sword Coast customs censuses - have you been paying your mansion taxes? Or perhaps it isn't valued highly enough to be above the threshold." Player: "It is an illustrious household. We employ paid help!" Narrator: *You wonder how many years ago it was you last gave Sceleritas so much as a table scrap of your dinner, let alone any paycoin.*

Hey, he's a fiend! He has no biological needs to pay for, and I dread to think what he'd spend money on.

And more of Durge being a hilariously entitled brat:

Player: "The indignity! I'm heir to one of the oldest families in this city!" Head Clerk Meadhoney: "Then why not bring the gold for the account? Father not given out your allowance yet?"

Good question!

BHAAL. WHERE THE FUCK IS MY POCKET MONEY.

That said, I don't think Bhaal has ever had estate in the city whose existence he predates and I don't think that they have any claim on the Anchev's stuff (assuming they weren't nouveau-riche). Then again, the temple is technically Bhaal's house, has been there forever, and as a god he does outrank the nobility, so... they're kind of right?

"I am a god and an honorary Patriar, you peasants."

Player: "Fool! I will soon hold the treasures of the world over, as all tremble in stricken awe." Head Clerk Meadhoney: "Do come back when you do!"

[crimeronan]

turning off reblogs on this bc we were able to get the car fixed!

okay shorter pithier tl;dr of this post: i am chronically ill and my car needs a new starter that’ll cost $870. which i... do not have. i’m in the process of getting the chronic illness under control so i can work normal hours again, but in the meantime i need to ask for help because it’s really really important to fix my car.

i got tipping set up with stripe on this blog so that’s a very easy way of donating if you want to, other links are:

venmo: @Katherine-MacEachern

paypal: paypal.me/kitkatmkath

ko-fi: https://ko-fi.com/elliptical

anything and everything helps, i’m really sorry to have to do this & don’t want anyone to overtax themselves on my behalf. i remain unbelievably grateful for all of the support and care and love you guys have shown me over the years. many thanks and all of my love to you <3

[thepersonalquotes]

Money on its own is nothing but peace of paper, and a million kwacha's today maybe worth only two bags of Irish potatoes in 10 years time due to inflation. Don't keep your millions at the bank and boost that your rich, those are just papers, put them on the investments that covers for inflation as well.

Ekari Mtewa

[tumbleweeddesktop]

I legit need to see them as a party in some sort of adventure storyline

[clonerightsagenda]

My boss doesn't believe in anyone but her having an office (we might get ideas above our station) so I get to grade student work, manage our finances, and read off credit card numbers to vendors at the public service desk with the entire campus community walking by. I alarmed a coworker by staring blankly into space trying to figure something out because I also have to do all my planning in public so I've decided I need to bring a paper bag to work labeled 'kat's office' and announce "I'm going into my office" before pulling it over my head.

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Understanding debt:

Let’s End This Damaging Misconception About Credit Cards

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

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

How to Build Good Credit Without Going Into Debt

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

It’s More Expensive to Be Poor Than to Be Rich

Making Decisions Under Stress: The Siren Song of Chocolate Cake

How Mental Health Affects Your Finances

Paying off debt:

Kill Your Debt Faster with the Death by a Thousand Cuts Technique

Share My Horror: The World’s Worst Debt Visualization

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

The Debt-Killing Power of Rounding up Bills

A Dungeonmaster’s Guide to Defeating Debt

How to Pay Hospital Bills When You’re Flat Broke 

Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?” 

Slay Your Financial Vampires

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Student loan debt:

What We Talk About When We Talk About Student Loans

Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”

How to Pay for College without Selling Your Soul to the Devil

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

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?” 

The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly 

Our Final Word on Student Loan Forgiveness 

Avoiding debt:

Ask Not How Much You Should Save, Ask How Much You Should Spend 

How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

Your Yearly Free Medical Care Checklist

Two-Ring Circus 

Status Symbols Are Pointless and Dumb 

Advice I Wish My Parents Gave Me When I Was 16 

On Emergency Fund Remorse… and Bacon Emergencies

Should You Increase Your Salary or Decrease Your Spending? 

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

The Magically Frugal Power of Patience

The Only Advice You’ll Ever Need for a Cheap-Ass Wedding 

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

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

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash? 

The Bitches vs. debt:

I Paid off My Student Loans Ahead of Schedule. Here’s How.

I Paid off My Student Loans. Now What?

Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt

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

Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending 

That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????

[millenniummmbop]

Yugi would spend his first Official Adult KaibaCorp Paycheck on some much needed basic repairs for the game shop and his second would go 100% entirely to dark magician girl waifu figures

[honeybeeffdrawshere]

scrappy comic to get some Lore out of my head.

[pearwaldorf]

So I used a personal finance management app that aggregates all the accounts I have in one place. The company that owns it shut it down at the end of the last year and transitioned it to another site they own. It does absolutely fucking nothing that I need it to do, which includes:

show me balances from all my connected accounts

track spending

sort/recategorize/tag transactions

set budgets

Literally the only functionality it retains is the ability to sell me shit. Which I was fine with (lights gotta stay on somehow) when I got use out of the site, but now it has been enshittified.

The other thing this experience has reminded me of is you should find a service that aggregates all your bank accounts. Empower is the one I'm using because it's got the same functionality as Mint, but there are other options*. Your bank/credit union might also offer a similar service.

It's a lot like using a password manager--it's a giant pain to set up initially, but it will ultimately make your life so much easier. All your account balances in one place** so you don't have to log in to each individual site to check! A unified view of your finances!

It is, of course, not a solution for not having enough money, but clarity on your purchases and subscriptions can help you identify things you don't want/need, as well as overcharges and discrepancies.

I know better money management is a popular new year's resolution, and this is a pretty easy step towards that. You don't have to add all your accounts at once. But I find it satisfying to see the picture become clearer. Also, graphs.

--

* Search "mint pfm alternatives" if you want to know more. Most options I found were paid but maybe you're a person who would shell out for useful features. Monarch looks amazing for people with shared finances.

** It's totally safe. I deal with this shit for a living. I can explain more if you want but it's boring.

[bobcatmoran]

Watching the newest season of "Make Some Noise," and a prompt reminded me of a story that came out about my paternal grandma's father (i.e. my great-grandpa) when that branch of the family gathered together for a funeral a few years back.

Great-Grandpa D worked for the railroads on coal trains during the Great Depression, but the demand for coal went down during the summer, when folks weren't using it for heating, and he'd take all sorts of odd jobs to fill the seasonal gap in order to support his family of 8 children (they were devout Catholics and Grandma, the eldest child and the only girl until sibling #8, wound up going to boarding school mostly because they literally did not have room for her at home). One of those jobs was working as a cooper to make barrels for a big name, major bourbon distillery.

Great-Grandpa would bring a flask to work in his lunchbox, which didn't phase anyone at that time and place, but the flask would be empty. He'd fill it up from one of the barrels at the distillery, and bring it home to fill up a barrel he'd made there. Once he had a full barrel of bourbon, he'd sell it off for a tidy sum, and then repeat the process.

I'd probably stan him more, except when Grandma was valedictorian of her boarding school graduating class and got a full ride scholarship to a local college, he said she couldn't take it since she needed to come home and help take care of her younger siblings.