#home tuition for class 1st to 5th

[latenightbreezeinheaven]

Solar return chart observations (2019)

Scorpio rising at 29 degrees

🌪️That year was my most traumatic year.

🌪️There were countless transformations (mostly endings and also new life-changing beginnings) in that year.

🌪️I lost many friends. I got gossiped by the whole class. The whole class didn’t talk to me. I was slut-shamed and they even spread rumors about me being pregnant while I was just gaining some weight. I was notorious with bad reputation in my school. My first love left me. I tried to run away with my first love. My parents caught me and grounded me for several months. I was literally in solitude. I had no one by my side. Both emotionally and physically. I can even write a whole damn book about this year.😭

🌪️However, I learned how to stay alone happily in that year. (It was not an option. The universe was like BAM you need to encounter THIS to achieve THIS success or whatsoever😃).

🌪️My whole personality before and after that year was so different that no one couldn’t recognize me after that year when I went back to school.

Moon in 1st house conjuncts ascendant (in Sagittarius at 0 degrees)

🌪️Maybe due to these traumatic events, my emotions were running high all the time.

🌪️Even though I tried to hide my pain and act like a typical scary silent scorpio rising, people still attacked me because I looked so vulnerable.

🌪️I cried almost everyday in that year.

🌪️Also I gained weight like A LOT MY FACE WAS LIKE AN ENORMOUS MEAT DUMPLING👹👹👹

**I also notice that I gained weight so easily last year when I had scorpio rising even though my moon was in 7th house in Taurus. Might be because of Taurus moon but Idk, scorpio rising year scares me hell a lot now.😺**

Jupiter in 1st house (in Sagittarius at 18 degrees)

🌪️I gained tons of weight because of my only coping mechanism : binge eating and also due to covid and quarantine.

🌪️I felt like food was the only escape in my life and I gained like 60 lbs.🤦🏻‍♀️

🌪️However, I had lucky academic opportunities.

🌪️I had to change my tuition because everyone including the teachers slut-shamed me and only because of that transformation, I finished high school with high marks and now I’m in medical school.

🌪️Thanks to my new teachers from new tuition and also those stupid bitches who believed everything they heard without clearly thinking as grown-up adults.😍

Saturn conjunct Pluto in 2nd house (in Capricorn)

🌪️My self-esteem declined so low that I rarely even went out in that year.

🌪️I felt like no one wanted me and I questioned about my worth like thousand times.

🌪️Throughout the year, transformations related to self-worth and self-love questioned my existence.

🌪️I was always thinking like “do I even deserve to eat this or go to this or be friends with them?” every damn time my mom asked me what I needed and every time someone approached me.

Neptune and Lilith in 4th house (in Pisces)

🌪️My whole family was very confused about me.

🌪️They even thought I was possessed by some ghost because I acted very unusual eg I couldn’t control my anger and I kinda self-sabotaged and I just bursted out and cried so suddenly when I was at home (that was just my trauma response I mean I don’t really know how they expected me to act after all those punishment they gave me and personal attacks received from my ex-mates)😺.

🌪️My parents kept really close eyes on me because they were worried that I would commit su-ici-de and they also had their respective assumptions about me but at the same time, they also outcasted me and thought I was really a slut who slept with lots of men because I did many reckless things without thinking about consequences.

🌪️I also often had intense vivid dreams and nightmares.

🌪️I was addicted to vapes and used them secretly in my room in that year.

🌪️So effed up🔫

Chiron in 5th house (in Aries)

🌪️My first love broke my heart.

🌪️My first serious heartbreak.

🌪️I had to take about 9 months to fully move on from him.

🌪️My inner child got hurt and my creativity and self-expression left my soul in that year.

🌪️I lost my silly child-like spirit in that year.

Uranus in 6th house (in Taurus at 5 degrees)

🌪️At first I was planning to study really hard to prepare for my matriculation exam but due to covid, there were huge unexpected changes in my routines and habits.

🌪️My plans got ruined.

Venus in 7th house conjuncts Amor (in Gemini)

🌪️Amor asteroid represents soulmate.

🌪️I met my first love and fell in love with him like a fool.

🌪️Everyone warned me because they saw red flags🚩🚩🚩🚩but I was blindly in love and was like “I’m gonna marry him”😭😭.*dies of embarrassment*

🌪️That was my first time that I gave actual commitment to someone and I felt like he was my soulmate.

🌪️I couldn’t let go of him for so long.

🌪️I wrote songs about him.

🌪️I wrote short stories about him.

🌪️It was bitter-sweet but now it’s just a memory.🌌

Sun in 7th house (in Gemini)

🌪️My main focus was on relationships relationships RELATIONSHIPS and I strongly desired to build meaningful social connections rather than superficial ones in that year.

🌪️My hidden enemies also pulled their masks off lmao I had to deal with them the whole year because they kept saying things about me that I didn’t even know I did.😩

Mercury conjunct mars in 8th house (in Cancer)

🌪️I remember that I was fully in my hermit mode the year I had this placement.

🌪️I searched articles about how to attack those arseholes spiritually but didn’t really take an action because I believed in karma.🧘🏻‍♀️

🌪️I was always reading books about magic, detective, occult and death and I even thought about committing a su-ici-de because I was severely depressed.

🌪️I was alone but also so blunt (I think I was just trying to protect myself) every time someone tried to befriend me.

🌪️I cursed a lot and my anger issues were like high up in the sky that one time, the wall cracked because I punched while I was angry and I’m just A GIRL🎀💕🥰).

Vertex in 9th house (in Leo at 15 degrees)

🌪️Maybe because of all of this, I started to pray to Buddha every single day in that year.

🌪️I suddenly became so religious and I felt like I only had him by my side.

🌪️My beliefs about religion expanded and I started to learn about other religions too in that year.

🌪️Also fated events occurred at my school so yeah vertex can say a lot about your upcoming year.

🌪️Immediately CHECK YOUR VERTEX IN YOUR SOLAR RETURN CHART RIGHT NOW!!!🥱

My scorpio ascendant was in my natal 5th house

🌪️My main focus was on relationships and dating as I’ve already said.

🌪️I also think I was so fertile in that year or maybe horny?

🌪️I wanted to get pregnant with my first love and I was only 14 at that time💀💀💀 (I know I was so silly but I was just a kid so I forgive myself for that *dies of embarrassment again*).

🌪️Sex education and vapes and drugs might be normal for teenagers in western countries but in my country, they’re like really taboo topics and parents biggest nightmare was their drug addict children getting pregnant😭.

🌪️Almost everyone did not dare to discuss about those openly in those days.

🌪️Also I was just 14 at that time so it’s not my parents’ fault that they stopped me and restricted me too much but however, their punishment was directed in a wrong way and that’s why I had to find other ways to suppress my pain. I don’t know who to blame, myself or those so-called friends or my parents😭.

So in conclusion, it was a very hard year and very life-changing and unforgettable but it shaped me into who I am today so I’m really happy to receive all of those new experiences. English is not my first language so please bear with me if I made some mistakes.🫰🏼💕

Also you can ask me about two placements (maximum) you want from your solar return chart. I’ll answer them as soon as I get free time.❤️

My mood in 2019 as GIF be like:

[argroup6]

Why MBBS in Nepal is the Best Option for Indian Students in 2025

Are you a medical aspirant looking to become a doctor without facing the intense competition and high fees in India? If yes, then choosing MBBS in Nepal could be the perfect opportunity for you. With world-class medical colleges, affordable tuition fees, and similar cultural values, Nepal is quickly becoming one of the top destinations for Indian students to study medicine.

In this blog, you’ll learn everything you need to know about MBBS in Nepal – from admission requirements to the top medical colleges, fees, benefits, and future opportunities. Let’s get started.

What Makes MBBS in Nepal a Smart Choice?

Every year, thousands of Indian students apply for NEET, but only a few secure government seats. Private colleges in India are expensive and not affordable for many families. This is where MBBS in Nepal offers a golden chance.

Here’s why more students prefer MBBS in Nepal:

No language barrier – English is the medium of instruction.

NEET qualified students are eligible.

Affordable tuition fees compared to Indian private colleges.

Quality education with well-equipped labs and hospitals.

Degree is valid in India, and colleges are approved by NMC and WHO.

Easy travel, visa-free entry for Indian citizens.

Eligibility Criteria for MBBS in Nepal

To apply for MBBS in Nepal, students need to meet the following eligibility criteria:

Must have passed 10+2 with Physics, Chemistry, and Biology.

Minimum 50% marks in PCB subjects (40% for reserved category).

NEET qualification is mandatory.

Age must be 17 years or more by 31st December of the admission year.

Unlike many other countries, the admission process for MBBS in Nepal is very student-friendly and doesn’t involve complex documentation or entrance exams beyond NEET.

Top Medical Colleges for MBBS in Nepal

Nepal is home to several reputed medical colleges that offer excellent education and training. Here are the top choices for Indian students:

Kathmandu Medical College

Located in the capital city, KMC is affiliated with Kathmandu University. It offers world-class education and clinical exposure.

Manipal College of Medical Sciences

This college in Pokhara is known for its high academic standards and modern infrastructure. It is one of the first private medical colleges in Nepal.

Nepal Medical College

Well-known for its experienced faculty and hospital facilities, this college is a popular choice among Indian students for MBBS in Nepal.

B.P. Koirala Institute of Health Sciences

This is an autonomous health sciences university offering a globally recognized MBBS degree.

Devdaha Medical College

Located in Butwal, this college offers a perfect environment for focused medical education and hands-on training.

Duration and Syllabus of MBBS in Nepal

The duration of MBBS in Nepal is 5.5 years, which includes 4.5 years of classroom and clinical education followed by 1 year of internship. The syllabus is similar to Indian medical colleges and follows the NMC guidelines, which makes it easier for Indian students to appear in FMGE or NEXT exams after graduation.

The subjects include:

Anatomy

Physiology

Biochemistry

Pharmacology

Pathology

Microbiology

Forensic Medicine

Community Medicine

Medicine, Surgery, Pediatrics, Gynecology, Psychiatry, and more.

Fee Structure for MBBS in Nepal

One of the biggest advantages of studying MBBS in Nepal is the affordable fee structure. On average, the total cost for the entire course ranges between INR 40 lakhs to INR 60 lakhs, depending on the college.

Here’s an approximate breakdown:

1st Year: INR 12–15 lakhs

2nd to 5th Year: INR 5–7 lakhs/year

Hostel Fees: INR 1–2 lakhs/year

This is much lower than most private colleges in India, making MBBS in Nepal a value-for-money option.

Recognition of MBBS Degree from Nepal

Medical colleges in Nepal are recognized by:

National Medical Commission (NMC)

World Health Organization (WHO)

Nepal Medical Council (NMC)

Medical Councils of other countries like the US, UK, Australia

After completing MBBS in Nepal, students can appear for the FMGE (Foreign Medical Graduate Examination) or NEXT exam to practice in India. They can also apply for higher education or jobs abroad.

Life of Indian Students in Nepal

The lifestyle and culture in Nepal are very similar to India. Indian students feel at home because:

Similar food habits and customs

Hindi and English are widely spoken

Temples, Indian restaurants, and cultural festivals are easily available

Safety and peace – Nepal is a student-friendly and safe country

Students also enjoy a pleasant climate and scenic beauty, especially in cities like Pokhara and Kathmandu.

Documents Required for MBBS in Nepal

You need the following documents to apply for MBBS in Nepal:

10th and 12th Mark sheets and certificates

NEET Score Card

Passport (recommended) or Aadhar for ID proof

Passport-size photographs

Birth Certificate

Medical Fitness Certificate

Police Clearance Certificate (sometimes required)

Make sure all documents are scanned and ready before the application process begins.

Career Opportunities After MBBS in Nepal

After completing MBBS in Nepal, students can:

Appear for FMGE/NEXT and practice in India

Pursue PG courses like MD/MS in India or abroad

Apply for USMLE (USA), PLAB (UK), or AMC (Australia)

Work in hospitals and clinics in Nepal or other countries

Open private practice or join government health services

The degree from Nepal opens doors to a wide range of opportunities worldwide.

Final Words: Is MBBS in Nepal Worth It?

Absolutely yes! If you're dreaming of becoming a doctor and want quality education without high expenses or entrance barriers, MBBS in Nepal is one of the best routes to take. You get international-level education, Indian-style culture, and a degree that is valid and respected globally.

Thousands of Indian students have already taken this step. Now it's your turn to secure your medical career without stress.

Need Help?

We at AR Group of Education offer admission support, counseling, and documentation help for MBBS aspirants across India and abroad.

Feel free to contact us at:

523, 5th Floor, Wave Silver Tower, Sec-18 Noida, UP-201301

+91–7076909090

info@argroupofeducation.com

[kavinderrawat]

Best Home Tuition Near Me – Your Guide to Personalized Learning Success

In an age where academic competition is fierce and every mark matters, personalized education has become a top priority for parents and students alike. With schools often unable to cater to the individual learning styles and needs of every child, home tuition has emerged as a smart, effective alternative. If you’ve recently typed “best home tuition near me” or “best home tutor near me” into your search bar, you’re already on the right path toward better academic results, confidence building, and personalized learning.

Let’s explore why home tuition is gaining so much popularity, what makes it effective, and how to find the best home tutor near me that matches your child’s educational needs.

Why Search for the Best Home Tuition Near Me?

The phrase “best home tuition near me” is more than just a search query—it’s a call for a better educational experience for your child. Here's why it's so crucial:

Personalized Attention

In a school setting, teachers divide their attention among dozens of students. At home, your child gets one-on-one attention, making it easier to identify weak areas and improve them quickly.

Customized Learning Plans

Unlike rigid classroom curriculums, home tuition adapts to your child’s pace, helping them grasp difficult concepts without pressure and move ahead confidently.

Boost in Confidence

Students often hesitate to ask questions in class due to fear of judgment. With a home tutor, they feel comfortable expressing doubts, which builds their self-confidence and encourages a deeper understanding.

Flexible Scheduling

Looking for the best home tuition near me gives you the flexibility to schedule classes according to your convenience—no more juggling school timings and tuition center appointments.

Safety and Comfort

With a tutor coming to your home, you ensure your child’s safety, comfort, and security, especially in today’s busy world.

Qualities to Look for in the Best Home Tutor Near Me

While there are many options available, choosing the right tutor is key. Here are the traits that make someone the best home tutor near me:

Experience in Subject Matter: Look for a tutor who is an expert in the subject they’re teaching.

Strong Communication Skills: A good tutor can explain difficult concepts in simple, understandable ways.

Patience and Empathy: Every student learns at their own pace. A great tutor understands this and adapts accordingly.

Use of Modern Teaching Aids: Interactive learning methods using visuals, online tools, and real-life examples make sessions more engaging.

Positive Reviews and Recommendations: Tutors who come recommended by other parents or platforms often deliver consistent results.

Why Saraswati Tutorials is the Answer to “Best Home Tuition Near Me”

If you live in Dehradun and are searching for the best home tutor near me, then Saraswati Tutorials should be your first call. Here's why:

Skilled & Certified Tutors

Saraswati Tutorials employs a team of well-qualified, background-verified tutors who specialize in a variety of subjects and grades.

Focused Academic Support

Whether your child needs help with homework, exam preparation, or concept clarity, Saraswati Tutorials offers tailored home tuition programs designed around each student’s needs.

Track Record of Success

Parents across Dehradun have seen significant improvement in their children’s performance after enrolling with Saraswati Tutorials. From building foundational knowledge to preparing for competitive exams, the results speak for themselves.

Regular Feedback and Assessment

They believe that improvement is a two-way process. That’s why Saraswati Tutorials keeps parents in the loop through regular performance reviews and tutor feedback.

Subjects and Levels Covered

If you’re seeking the best home tuition near me for various academic stages, Saraswati Tutorials has you covered:

Primary Classes (1st–5th): Strengthening the basic building blocks in Math, Science, and Languages.

Middle Classes (6th–8th): Helping students stay ahead in all subjects.

Secondary Level (9th–10th): Focused board exam preparation with sample paper practice.

Senior Secondary (11th–12th): Subject-specific experts for PCM, PCB, Commerce, and Humanities.

Competitive Exams: Early foundation coaching for Olympiads, NDA, NEET, JEE, and more.

No matter which grade or subject, Saraswati Tutorials ensures top-tier tutors are available right in your neighborhood.

FAQs – All You Need to Know About Home Tuition

Q1. Is home tuition only for weak students? No. Home tuition helps both struggling and high-performing students excel further through personalized guidance.

Q2. Can I get subject-specific home tutors? Absolutely. You can hire tutors for individual subjects like Math, Science, English, Accountancy, or even specialized streams in 11th and 12th grades.

Q3. Are trial classes available? Yes! Saraswati Tutorials offers demo classes so you can meet the tutor and evaluate their teaching style before committing.

Q4. How do I know if the tutor is effective? Regular assessments, parent feedback sessions, and student progress tracking ensure transparency and results.

Your Search for the “Best Home Tuition Near Me” Ends Here

At the end of the day, your child’s academic future depends on the right guidance. By investing in personalized home tuition, you provide them with the tools to not just succeed in exams, but to build long-lasting confidence and discipline.

With Saraswati Tutorials, your child gets the best home tutor near me—right from the comfort of your home, with the assurance of safety, reliability, and results.

Book a Free Trial Class Today!

Still wondering if Saraswati Tutorials is right for you? Call now and experience what makes them the most trusted choice for best home tuition near me.

Final Thoughts

Typing "best home tuition near me" is the first step toward academic success, but choosing the right tutoring partner makes all the difference. Saraswati Tutorials bridges that gap with commitment, excellence, and trust.

Whether your child needs help catching up or is aiming to be a topper, find the best home tutor near me with Saraswati Tutorials—where learning feels like home.

[brainstormhome]

1st to 5th Class Home Tuition: A Solution for Struggling Students

Primary school years lay the foundation for a child’s academic journey. For children in Class 1 to 5, this period is critical as they build essential skills in subjects like Mathematics, English, Science, and more. However, some students may face challenges in keeping up with the pace of their school curriculum. This is where 1st to 5th class home tuition can make a significant difference, offering personalized support to struggling students.

Why is 1st to 5th Class Home Tuition Important?

At this stage, children are still developing basic learning skills, and falling behind in any subject can quickly lead to frustration and disengagement. The one-size-fits-all approach of traditional classrooms might not work for every student. Home tuition in Chandigarh, however, offers the chance for individualized attention, focusing on the specific needs of each child.

Personalized Attention to Boost Confidence

One of the primary benefits of 1st to 5th class home tuition is the personalized attention students receive. Unlike in a crowded classroom, where the teacher may have to divide their focus among many students, a home tutor can concentrate solely on one child. This undivided attention helps the child feel more confident and motivated.

For students who are struggling in specific areas, a home tutor can tailor lessons to suit their pace of learning. They can break down complex concepts into simpler, more digestible parts, making it easier for children to grasp new information and avoid the feeling of being overwhelmed.

Building a Strong Academic Foundation

In primary school, children are introduced to subjects that they will build on throughout their academic career. 1st to 5th class home tuition helps students develop a strong foundation in these subjects, setting them up for success in later years. Home tuition can focus on areas where a child may be weak, ensuring they fully understand core concepts such as basic arithmetic, grammar, or reading comprehension.

Improving Focus and Discipline

For some students, the classroom environment may be distracting or overwhelming. Home tuition, on the other hand, provides a calm, focused space where the student can work through their lessons without the external distractions of a busy classroom. This helps improve the child’s concentration, fostering better study habits and discipline that will benefit them long-term.

Customized Learning Style

Every child has their own unique learning style. Some may learn better through visuals, while others may excel with hands-on activities or auditory learning. A home tutor can adapt their teaching methods to match the child’s preferred learning style, making the process more enjoyable and effective. This customized approach ensures that the child is not only understanding the content but is also engaging with it in a way that suits them best.

Flexible Schedule

Another major advantage of 1st to 5th class home tuition is the flexibility it offers. Unlike school schedules, home tuition can be arranged at times that are most convenient for both the student and their family. Whether it’s after school hours or during weekends, home tuition can be adjusted to fit into the student’s routine. This flexibility allows for consistent learning and avoids the stress of trying to catch up with missed lessons.

Addressing Learning Gaps

Some students may experience learning gaps due to illness, personal issues, or simply falling behind in class. 1st to 5th class home tuition can be a great way to address these gaps. A tutor can assess where the child’s understanding is lacking and work to fill those gaps, ensuring they are not left behind as the school curriculum progresses.

Strengthening Relationships with Parents

When children receive home tuition, parents can be more involved in their learning process. They can communicate directly with the tutor about their child’s progress, helping to stay informed and support their child’s academic journey. This also allows parents to witness firsthand the areas in which their child may need additional help, and they can reinforce learning at home.

Why Choose Brainstorm Home Tuition?

At Brainstorm Home Tuition, we understand the importance of personalized learning. Our tutors specialize in working with 1st to 5th class students, offering customized lessons to help struggling students build confidence and improve their academic performance. We focus on identifying each child’s learning needs and adapting our teaching methods to suit them, ensuring that they receive the best possible education in the comfort of their own home.

Our experienced tutors are patient, understanding, and dedicated to making a positive impact on your child’s education. Whether your child needs help in one specific subject or wants to improve their overall academic performance, Brainstorm Home Tuition is here to guide them every step of the way.

Conclusion

If your child is struggling in their studies and falling behind in school, 1st to 5th class home tuition can provide the support they need to catch up and succeed. With personalized attention, a tailored learning approach, and the flexibility to learn at their own pace, home tuition offers a perfect solution for struggling students. At Brainstorm Home Tuition in Chandigarh, we are committed to helping your child thrive academically and build a strong foundation for their future.

For more information or to book a free consultation, contact us today!

[teacherswala]

Home Tutors in Janakpuri | Home Tuition's for 1st to 5th Classes in Jana...

[perfecrttutor123]

Experienced Home Tutor in Greater Noida | Perfect Tutor

Perfect Tutor is the best home tuition organization in India for finding a tutor for an academic, hobby, computer, and entrance exams. Its services are available in all the states and cities in India. Here we are going to conversation about the location of Greater Noida. This is a good opportunity to hire a tutor for students and parents who are searching for experienced and qualified home tutors in Greater Noida and their nearby locations.

The Perfect Tutor has verified tuition teachers for all the subjects like Math’s, Science, English, Science, Computer, General Knowledge, and Social Science. Students can also hire a private tutor for classes 1st to 5th and 6th to 8th of CBSE, ICSE, and IB boards from their nearest locations in Greater Noida.

Additionally, it has qualified teachers for home tuition from class 1st to 5th for CBSE, ICSE, and IB boards. From Perfect Tutor, students can easily find home tutors in Greater Noida for subjects like Mathematics, Physics, Chemistry, Accountancy, Biology, Economics, History, Political Science, and many more for secondary and senior secondary classes.

Other than this Perfect Tutor also provides professional hobby class teachers from their nearby locations. Students simply hire a music teacher, dance teacher, piano teacher, guitar teacher, yoga teacher, and many other hobby class teachers.

It aims to help and improves the students for their academic performance, rank and school exams, class tests, board exams, entrance exams, and competitive exams.

Along with Delhi and nearby locations, Perfect Tutor's above-mentioned services are also available in all cities of India.

[besthometuitionchandigarh]

A-SQUARE TEACHINGS Provide the Best Home Tutors in all over TriCity, Chandigarh, Panchkula, Mohali. Including  Zirakpur, Baltana, Dhakoli, Manimajra, Kharar, Mansa Devi Complex MDC, Modern Housing Complex MHC, Chandimandir, Pinjore, Amravati, New Chandigarh, Mullanpur, Omaxe City & Nearby.

We Have a Specialized Home Tutors for Every Class, Every Subject and Every Board. Try A Demo Class from our Professional & Experience Male and Female Home Tutors. Contact us at 09041443833

Do you want to get the best marks in your school? Do you want your kid to score your dream marks? Yes, our professional Home Tutors are here to help your kid to score as high as require.

Do not wait for the better; choose the best for your kid. As we provide the best Male and Female Home Tutors at your home. We provide Best Home Tuition service for All Classes All Subjects All Boards in All Over TriCity. Choose the best home tuition teacher for your kid.

We provide home tuitions in Moths, Science, English, Hindi, French, Geography, History, Civic, Economics, Spoken English for All Ages and many more subjects and topics.

Our Result Oriented Home Tutors are professional in teaching class 1st, 2nd, 3rd, 4th and 5th

Our Professional Home Tutors are well aware with CBSE Board, ICSE Board, CI Board, IGSCI Board and More

TRY DEMO CLASSES. Contact at 9041443833

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[astrologyandlife]

your chart ruler + the stage of your life

generally speaking, where the ruler of your chart is sitting sets the stage for your life. this means that your focus will be more intense in that area. the ruler is also important, as it can indicate the nature of things occurring there! for example, having jupiter as your chart ruler sitting in the 1st house is vastly different from having saturn as your chart ruler sitting there. read on to learn more!

part i: the chart ruler

MARS

you are generally high-energy and active. you are never sat still for too long, and for the most part, you handle things head-on rather than waiting for them to wrap themselves up. as a result, this can lend itself to an almost pushy impression on others, unless mars is aspected positively with another planet like venus, neptune, or saturn.

VENUS

you act with a certain kind of grace and charm. you have a certain personal touch that you imbue things with, and you aren't one for conflict or discord. in fact, you seek harmony as often as you can, and comfort is one of your top priorities in any situation. typically, it either isn't easy to anger/upset you, or you are very good at hiding when something does.

MERCURY

flighty and restless are your most prominent qualities. in life, you easily move from one thing to another, never quite settling the way others do, and you may even find you are doing multiple things at once. you have a curiosity and thirst for knowledge that tends to drive what you do. you will also find that you are pretty good at conversation and possess natural wit.

MOON

like the moon, your disposition and emotions seemingly go through cycles. you are blessed with a form of intuition that a mother would display--when your friends need something, you just know what it is, and unspoken emotions are picked up by you subconsciously. you find it hard not to care about things, and people can usually tell when you are upset or going through something.

SUN

like the sun, you are full of vitality and light, with seemingly endless energy. you just have this glow about you. your personality is very strong and well-developed, and you have a good sense of who you are. you possess natural leadership qualities. you are just generally a very genuine person and don't try to deceive others about who you are. maintaining your health and vitality is of utmost importance.

PLUTO

you are magnetic and mysterious in a way that either draws others in or intimidates them. you radiate a subtle power that you can use to your advantage. when it comes to your passions and goals, you have a ferocity that is unmatched, bordering on obsession. you aren't the kind of person to be casual or dip your toes into things, you absolutely immerse yourself in them. you are very private.

JUPITER

you possess a heart of gold--generous, kind, and loving towards others. your view of life is positive, and you maintain a faithful and optimistic attitude whenever possible. it is safe to say you are a pretty lucky person, or at the very least, you create your own luck. you aren't afraid to dream big. sometimes you can go a bit overboard when expressing yourself.

SATURN

you are mature and responsible. people find that they can rely on you when they have your word, and it is very important to you to keep promises. it is easy for you to get stuck in negative thought patterns and to be hard on yourself, as you have very high expectations. You are ambitious and generally like the feeling of working towards your goals, knowing it will pay off in the future. you are very concerned about how people see you and your reputation.

URANUS

you are an individualist at heart. you believe in the freedom of people to live their lives and pursue whatever path they want, and if someone tries to stifle your freedom, you are quick to leave them in the dust. You also have a mind that is powerful and creative, able to learn new information lightning-fast. you like to consider the facts and have an open mind.

NEPTUNE

artistic and dreamy, you give the impression of being a sensitive, almost spiritual soul. you are particularly swayed by music and art because your mind is very abstract. you have the unique ability to be something akin to a social chameleon. you are very compassionate towards others and have a high sensitivity to your environment. your tuition is extremely strong

part ii: the stage

1st house;

you're very focused on yourself more than other people, and your dominant sign comes out in pretty much all facets of your life, but especially upon first meeting someone. if your chart ruler is very different from the rest of your chart, this can lead to someone getting the 'wrong' impression of you. developing a strong personality is of utmost importance here. you care a lot about your appearance and how you are perceived.

2nd house;

forming a strong sense of self-confidence and security is your primary focus. you care a lot about financial security and your own sense of personal comfort in a physical sense. you feel attached to the things you own. possessiveness isn't uncommon here, especially if pluto sits here. you either have strong values that you hold close to your heart, or you feel the need to develop them.

3rd house;

what motivates you very often is your curiosity and desire to connect to others. you enjoy good conversation and want to make friends. you tend to move from one thing to another, and you are very good at multitasking. you have a distinct style of speaking that is colored by your chart ruler, and people find you to have a good sense of humor and a lot of intelligence.

4th house;

there is a deep need to have a place that you can call 'home.' you are a relatively private individual and enjoy a lot of separation between work and home. your family has a high amount of influence on you, and it is very likely you will stay close to home. your background comes into play very often and informs your actions. anything sentimental has a big impact on you.

5th house;

you live your life for the things you are interested in. your hobbies can take up a lot of your time and energy, and if you don't get enough time with them, you feel drained or on edge. you love having fun and expressing yourself creatively. this could be someone who likes or wants kids. you do enjoy attention from others, especially if it comes from their admiration of you.

6th house;

your body is certainly a temple. you care a lot about taking care of yourself, and you have very specific routines in your daily life. these rituals contribute heavily to your wellbeing. you can also find yourself to be a bit of a workhorse (or workaholic if you aren't careful). you are dedicated to the service of others, even if it simply means lending a helping hand or giving advice.

7th house;

the focus in your life is other people. you define yourself based on your relationships with them, and if you aren't too careful, you can get lost in other people and lose your purpose. it's almost as if you need partnership to live a happy life. your biggest skill is your ability to create harmony, because you are a good mediator and try to compromise when possible.

8th house;

this makes you extremely private and secretive. you could live an entirely separate life and nobody would know! you also tend to know more about others than they think, and you never reveal more than you want to. i think a persistent theme of your life could be very intense situations and circumstances. transforming yourself is going to be very important, as is processing and working through your past.

9th house;

You live for the pursuit of knowledge, especially that of a higher level. You want to expand your mind through new experiences, meeting people of different backgrounds, and traveling to new places. It is entirely possible you will live your life in another country or a completely different part of your country. you view life as an adventure and are always in search of something new.

10th house;

your future and career are of utmost importance to you. you feel like you have to make a name for yourself. if you don't have accomplishments under your name, you feel like you have failed. so much of your life is spent in the pursuit of success. you shine in your career and could end up rising to the top. you make huge efforts to influence your reputation for the better.

11th house;

more than anything, you want to say you belong to some group. your friends are your life, and they are your family. it is likely you are involved in groups or organizations, whether it be through your school, a hobby you have, or something else. you also strive to create change within your community. in this house, you are always in pursuit of your personal goals and are very future-minded.

12th house;

a lot of your personality is hidden in a way, unlocked mostly when you are completely alone. you spend a lot of time in solitude and don't mind it. loss, sorrow, and grief could be a consistent theme in your life. truly, you express yourself most when nobody is watching. people see the fruits of your labor, but not the work you put in behind the scenes. you could have extensive daydreams or vivid dreams.

and if you want to learn more, here are a couple awesome resources:

https://notanastrologer.tumblr.com/post/649828538510426112/ascendant-lord-in-houses

https://cassieaurora.com/astrology-class/chartruler/ (super good if you're not familiar with finding your chart ruler)

[jahveedap]

*5-Legged Stool U.S. REPARATIONS Plan

(The 5 L's- 1/5th Tax Breaks)-

Addressing The 5 L's Blk Ppl Took From $lavery & Subsequent Eras of State-Sanctioned Racial Oppression (United States REPARATIONS PLAN Of 1/5th Tax-Breaks (20% Tax Write-Offs) For All Black American Descendants Of Slaves/ie- Today's Foundational Black American Populace- To Be In Effect for 4OO Years):

LAND & BUSINESS REPARATIONS- (For 1st-Time Aquisitions & Annual Rental Tax Relief):  Of 1/5th (20%) Tax Break for Purchasing 1st-Time Real Estate, 1st-Time Home Ownership, 1st-Time Land Aquisition and Annual 1/5th Tax-Break for All Black Renters Abiding In Rental Dwellings. (+ Black Homeless People To Recieve An Annual 1/5 Reparations Tax-Break Writing Off (Forgiving) 2O% Of Annual Tax Liability.) -Also 1/5th Annual Tax Break for All Black Business Owners- Majority & Minority, Writing Off 20% of All Black Business Tax Liability To Aid The Black Business Sector.

LANGUAGE REPARATIONS- Of 1/5th Tax-Break on All College-Level Language Courses- Including English & Other Foreign Language Classes + Language-Learning Products & Software. To Address Black Ancestry Being Stripped Of Priceless/Irreplaceable Cultural & Heritage Intangibles Such As Our Original African &/0r Indigenous Ancestral Languages.

LEGACY REPARATIONS- Of 1/5th Tax-Break for All Genealogy Research, Including Genealogy & DNA Services for the Purpose of Ancestry Research and Ancestry Website Memberships, for the Purpose of Restoring Nationality/Ethnic/Tribal/Familial Knowledge & Orientation Lost Or Impeded By Slavery & Post-Slavery Eras Rife with White Supremacist, Anti-Black Racial Oppression. -Also Annual 1/5th Tax Break On All Student Loans & Educational Expense (Tuition, Room & Board, Books & Supplies) for Black/African American Students.

LIBERTY REPARATIONS- Of A One-Time 1/5th Time-Cut (2O%) for Each Individual Black Person (African American 0R African) Currently Incarcerated, On Parole Or Probation- FOR A NON-VIOLENT CRIME, Plus A One-Time 1/5th Tax-Break (20%) of Legal Fines & Obligations, Lawyer Fees, and Court Costs To Be Forgiven- From ALL FBAs- Foundational Black Americans With A Criminal Record, To Address Mass Incarceration/Racial Disparity In Justice Systems.

LOVE, FAMILY & HEALING/WELLNESS REPARATIONS (Health Insurance, Domestic/Relationships, Mental Health, Trauma, Drug Abuse & General Counseling)- Of Annual 1/5th (20%) Tax Break For All Black/African Americans Patronizing Board Or State-Certified Counseling Services, Including In-Patient & Out-Patient Drug Treatment. -Also Annual 1/5th Tax-Break Writing Off 20% Of All Health Insurance & Medical Treatment Costs.

[thetrinityhometuitions-blog]

PHYSICS, CHEMISTRY, BIOLOGY, ZOOLOGY, BOTANY, MATHS, MEDICAL, NON MEDICAL, BSC, MSC, BTECH, MTECH HOME TUITIONS TUTORS PROVIDER IN CHANDIGARH BY TRINITY HOME TUITIONS 07888774162

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[evoldir]

Fwd: Graduate position:

Begin forwarded message: > From: evoldir@evol.biology.mcmaster.ca > Subject: Graduate position: > Date: 11 January 2023 at 07:42:17 GMT > To: rdmpage@gmail.com > > > > > Funded PhD studentship in bioacoustics & machine learning based at > University of Essex, UK and Cross Compass, Cross Labs, Japan > > About the Project: Based at the University of Essex (UoE) with a > 1.5 year industry-placement as a Visiting Research Student within > Cross Labs, Japan, this PhD project will achieve new insights into > animal bio-acoustic signalling and potential industrial applications, > using new development and applications of machine learning, including > attentional AI. In turn, the insights gained through these new biological > applications will be assessed for novel machine learning developments, > such as the classification of human voices and analysis and use of > multi-layered signals. > > Supervision and training: Project supervision will be provided by Dr > Jennifer Hoyal Cuthill (University of Essex) and Dr Olaf Witkowski > (Cross Compass, Cross Labs), with additional input from project > collaborators. The PhD candidate will be registered at the University of > Essex, with full funding available for UK home student tuition fees and a > full UK stipend while at UoE. As an integral part of the PhD, the student > will also undertake a fully funded, 1.5 year placement within Cross Labs, > an AI research institute within the company Cross Compass Ltd., Japan > (with offices in Kyoto and Tokyo). Cross Labs is experienced in hosting > visiting students and will offer a range of support to the student. This > includes additional financial support, relative to a standard UK PhD > studentship, with an enhanced stipend for the time in Japan > > What we are looking for: This interdisciplinary project, across > biology and computer science, would suit a creative thinker with strong > interests in both fields and the capacity and enthusiasm to rapidly > learn new things. We welcome applicants with a 1st class or 2:1 BSc > (or equivalent) in biology, computer science or any related field. The > project will require strong skills in programming (e.g. Python), machine > learning and data analysis, including recent machine learning techniques > and computer simulation. Involving two countries, the enthusiasm and > resilience for international travel will also be needed. > > PhD and funding details: This studentship is a 3 year + 1 year funding > award that may be taken full-time or part-time. To be eligible for > full funding you must be eligible for UK home fees at the time of the > studentship (i.e. meeting UK residency requirements). The anticipated > start date is 5th Oct 2023, or earlier (subject to agreement by the > supervisors).The studentship will provide the PhD candidate with a costs > of living stipend equal to UKRI rates and cover UK resident tuition > fees. International applicants are eligible to apply but will have to > demonstrate funding to cover the difference between UK and International > tuition fees, which is approximately �14,800 p.a. at present. > > Further Information: > Please contact Dr Jennifer Hoyal Cuthill (j.hoyal-cuthill@essex.ac.uk) > for further information about the project. > > How to apply for this studentship: > To apply, email your CV to Emma Revill (ecrix@essex.ac.uk). > Deadline for applications is Feb 28th 2023, 23:59 UK time. > > > > > "Hoyal Cuthill, Jennifer F"

[jyotituitionclasses]

TUITION CLASSE

Jyoti Gupta tuition classes provides class 1st to 5th tuition classes .

and also provides home tuition

[kavinderrawat]

Empowering Students with Excellence: Saraswati Tutorials – The Best Home Tuition in Dehradun

When it comes to finding the right academic partner in Dehradun, Saraswati Tutorials has emerged as a trusted name, offering quality and result-driven Home Tuition in Dehradun for students across all classes and boards.

Whether your child is struggling with a particular subject, preparing for board exams, or aiming to top their class, Saraswati Tutorials provides the personalized support that schools and coaching centers often lack. Let’s take a closer look at how Saraswati Tutorials is reshaping the way students learn and grow in Dehradun.

Why Home Tuition in Dehradun is Gaining Popularity

Dehradun, known for its rich educational background and prestigious institutions, is home to thousands of ambitious students. However, the increasing number of students in schools means limited attention from teachers and generalized lesson plans that don’t cater to individual learning styles.

That’s where home tuition in Dehradun becomes crucial. Here’s why more parents are now choosing home tuition:

Personalized learning experience

One-on-one attention

Flexible learning schedules

Safe and comfortable environment at home

Improved academic performance

Better preparation for competitive exams

With rising academic competition, the need for reliable home tuition in Dehradun is stronger than ever. And Saraswati Tutorials is at the forefront of fulfilling that need.

Introducing Saraswati Tutorials – Your Trusted Partner in Academic Excellence

Saraswati Tutorials is a Dehradun-based educational service that offers high-quality home tuition for students from Class 1 to 12 across all major boards including CBSE, ICSE, and State Boards. With a team of experienced and dedicated tutors, Saraswati Tutorials is committed to building strong academic foundations and helping students realize their full potential.

What sets Saraswati Tutorials apart is their student-first approach, which ensures that every child receives customized attention tailored to their academic strengths, weaknesses, and goals.

Subjects Covered by Saraswati Tutorials

At Saraswati Tutorials, students can avail home tuition in Dehradun for a wide range of subjects, including:

For Primary Classes (1st to 5th):

English

Hindi

Mathematics

EVS (Environmental Studies)

Reading, Writing, Grammar Skills

For Middle School (6th to 8th):

Mathematics

Science

Social Studies

English & Hindi

Sanskrit

Computer Basics

For High School (9th and 10th):

Mathematics

Science (Physics, Chemistry, Biology)

Social Science

English & Hindi

Computer Applications

For Senior Secondary (11th and 12th):

Science Stream – Physics, Chemistry, Mathematics, Biology

Commerce Stream – Accountancy, Business Studies, Economics

Humanities Stream – Political Science, History, Sociology, Psychology

Whether your child is preparing for unit tests, mid-terms, or board exams, Saraswati Tutorials has a subject expert ready to help.

Key Features of Saraswati Tutorials' Home Tuition Services

Here’s what makes Saraswati Tutorials the go-to choice for home tuition in Dehradun:

One-on-One Personalized Teaching

Every student has a different learning pace and style. At Saraswati Tutorials, tutors are trained to adapt their teaching methods to suit individual student needs. This one-on-one interaction ensures better understanding and retention.

Experienced & Qualified Tutors

The strength of Saraswati Tutorials lies in its team. Each tutor is professionally trained, subject-specific, and background-verified. These educators don’t just teach—they mentor and motivate students to aim higher.

Flexible Timings & Convenience

Classes are scheduled as per the convenience of the student and parents. Whether it's early morning, after school, or evening slots—Saraswati Tutorials provides flexible timing to suit your routine.

Safe & Comfortable Learning Environment

Learning at home eliminates the stress of travel and unfamiliar environments. With home tuition in Dehradun, students learn better in their own comfort zone, and parents can monitor the progress easily.

Regular Assessment and Feedback

Saraswati Tutorials ensures that students are on track by conducting regular tests, mock exams, and performance reviews. Parents are kept updated about their child’s progress through feedback reports.

Customized Study Plans

Based on the student’s syllabus, exam schedule, and personal goals, tutors create a customized study roadmap. This helps in structured learning and efficient preparation.

Benefits of Choosing Saraswati Tutorials for Home Tuition in Dehradun

Let’s look at the top reasons why parents and students prefer Saraswati Tutorials:

Improved Academic Performance: Consistent support helps students perform better in school tests and board exams.

Better Concept Clarity: Tutors focus on explaining fundamental concepts, which leads to deeper understanding.

Increased Confidence: Personalized attention builds confidence and reduces exam anxiety.

Homework & Assignment Help: Tutors assist with school assignments, homework, and projects.

Preparation for Competitive Exams: From Olympiads to NTSE and other school-level competitive tests, Saraswati Tutorials prepares students from the ground up.

Who Can Benefit from Saraswati Tutorials?

Students struggling with school subjects

High-performing students aiming to top the class

Children with learning difficulties

Students with packed schedules needing flexible classes

Board aspirants seeking focused exam prep

Parents looking for reliable, long-term academic support

No matter the challenge, Saraswati Tutorials is equipped to provide the right solution.

What Parents and Students Are Saying

"My daughter was weak in Science and Maths. After enrolling with Saraswati Tutorials, her confidence and marks have improved significantly. The tutor is very dedicated." — Mrs. Kavita Sharma, Parent of Class 8 student

"I love the way my tutor explains tough concepts in a simple manner. It’s easier to ask questions at home than in school." — Rohan Rawat, Class 10 student

"The best part about Saraswati Tutorials is their consistency and professionalism. We’ve seen amazing results in just a few months." — Mr. Vivek Joshi, Parent of Class 12 Commerce student

How to Enroll with Saraswati Tutorials for Home Tuition in Dehradun

Getting started is simple:

Contact Saraswati Tutorials: Share your child’s class, subjects, and academic needs.

Book a Free Demo Class: Experience the teaching style before committing.

Customize Your Schedule: Set up class timings that work for you.

Track Progress: Get regular updates and see the results unfold.

Conclusion: Invest in Your Child’s Future with the Best Home Tuition in Dehradun

In a world where quality education can shape the future of your child, compromising is not an option. With Saraswati Tutorials, you’re not just choosing a tuition service—you’re investing in personalized growth, academic excellence, and future success.

So, the next time you search for Home Tuition in Dehradun, remember that Saraswati Tutorials stands out as a beacon of trust, quality, and results.

Don’t wait for the next exam to roll around—give your child the advantage they deserve today. Saraswati Tutorials is just a call away.

[shandragdotson]

I’m a Physician, My Husband Stays Home With Our 3 Kids, and We Make $215K/Year

Welcome to YNAB Money Snapshots—where you see a real picture of someone else’s budget and finances. They’re all anonymous, because sharing money is still a squirrelly topic for many, but we think airing them out in the open makes you better with your own money story. 

As you read these budgets, keep in mind that some people make lots of money and some people make a little bit of money, but we know it’s what you do with that money and how you feel about that money that means more than any yearly salary. 

See how a family of five in Philadelphia making $215,000 a year spent their money in April.

About

Names: Doc & Superdad

Ages: 34 & 35

Location: Philadelphia, Pennsylvania

Jobs: Physician & Stay-at-Home Dad

Living situation: Married with three kids

Income: $215,000

Savings: $158,166

Checking: $8,000

High yield savings account: $41,806

529 accounts: $16,360 combined (not included within YNAB)

Retirement accounts: around $92,000 combined (not included within YNAB)

Debt: $530,000

Mortgage: $408,000

Student loans: $122,000

April Inflows: $18,448

Take-home pay: $8,927

Interest from savings account: $45

Proceeds from sale of stock from Superdad’s former employer: $9,154 (this has been pending for many months and happened to finally hit our account in April)

Refunds from canceled travel plans: $322

April Spending

Budget

Catego­ry What I Spent Notes Weekly Groceries $1,173 Gas $18 A normal month is closer to $120-$150/month Dining Out $202 Banana Stand $33 This is our “Stuff I Forgot to Budget For” (hat tip to Arrested Development) Household supplies $99 Date night $0 Monthly Car insurance- 1st $99 Internet, TV, music $196 Utilities $346 Disability/Life insurance $254 Mortgage – 5th $2,669 Includes escrow Superdad student loans – 10th $127 529 contributions – 16th $120 Sprint – 16th $88 Gym and Beachbody $41 Doc student loans – October 27th $0 Actually had an inflow of $873 this month – got a refund from March. My loans were put in automatic forbearance. Next month $0 $6,116 saved Annual Credit card annual fees $0 $77 saved Pool- $392 June 30 $0 $312 saved, TBD if it’ll be open this summer Costco annual fee $60 Synagogue- $5800 in July $0 $277 saved YNAB- $75.59, Oct $0 Taxes $0 I set money aside from my side hustle for taxes IRA contribution $0 Recent addition and stretch goal for the year Cars Car maintenance- general $0 Tires $0 Registration $0 Inspections $0 Superdad Superdad fun money $54 Computer parts $839 Superdad purchased parts and assembled a new computer Races $0 Running shoes in May $0 Doc Master’s program tuition- $1850 $0 $1,845 saved, employer will reimburse 80% after class completion Doc fun money $74 We each get $50 every 2 weeks. Personal care/Haircuts $50 Bought a gift card from salon to use when they reopen Clothing $0 Apple Watch replacement $0 Work reimbursable $0 Kids Tuition and camp- spend here $0 Summer camp- $7600 April 2021 $0 Camp got cancelled this year, so we got a refund and will save it for next year Preschool tuition- $4000 in July $0 $3,486 saved Allowance $6 Not tied to chores (the Jesse method) and the older kids have YNAB budgets Diapers $38 Extras- spend here $8 Haircuts $0 Clothing & Shoes $0 School supplies- $100 August $0 Activities- spend here $0 Kid 1 extracurriculars $0 $233 saved Kid 2 extracurriculars $0 $177 saved Kid 1 bat mitzvah $0 New aspirational goals Kid 2 bar mitzvah $0 New aspirational goals Occasional Travel $65 $200 saved, refund from canceled travel Doctor/healthcare $0 Entertainment $15 Giving $117 Home furnishings $0 Gifts Holiday Gifts $0 $167 saved Other holiday spending $0 Weddings & babies $0 $392 saved, got $257 refunded from canceled travel Brother’s wedding $0 $450 saved Kid 2 birthday $42 Kid 3 birthday $0 Kid 1 birthday $0 Kids’ friends birthdays $0 Home Maintenance General home maintenance $0 $639 saved Roof $0 $174 saved Driveway resurfacing $500 $0 Refrigerator- $800 $0 garage door- $1800 $0 DEBT CRUSHING Extra loan payments $4,806 $3,924 saved Wish List Anniversary trip $0 Girls birthday trip 2021- $1200 $0 Car purchase $0 Down payment for next home $0 Dreaming of a neighborhood closer to the train station! Emergency fund Mortgage- 3 months $0 $8K saved Monthly essential bills- 3 months $0 $2.7K saved Groceries and gas- 3 months $0 $3.4K saved Emergency home repairs $0 $4.4K saved Credit Card Payments Southwest- due on 5th $0 I’m a bit of a rewards junkie. Balances are paid in full each month. Hilton- due on 8th $410 Sapphire- due on 17th $2,041 Target- due on 20th $498 Blue- due on 24th $127 SW Personal- due 26th $49 Freedom- due on 28th $50

Total Expenses $14,814

On the 1st of the month, I move all the money from my Next Month category into To Be Budgeted and use my budget template to quick-fund all of my non-weekly expenses.

For the Weekly category groups, I fund these every two weeks when I get paid. I do the same with our fun money: $50 each, every 2 weeks. 

At first I funded these categories for the whole month but I found that we would overspend on groceries/fun early in the month and feel short at the end of the month. Dealing with these frequent transactions in shorter chunks of time has just been easier for us.

We have been working hard towards getting one month ahead for all expenses and sinking funds. We weren’t quite there for April but we are now!

We also throw every extra dollar to the Extra Loan Payments category once the next month is fully funded. We are holding the money here until COVID forbearance ends and will make a lump sum payment towards Superdad’s loans then. In April we paid off one of Superdad’s loans!

My Savings Categories

Right now my top savings goals are:

Save for next month’s expenses

Kids’ expenses (preschool tuition, activities)

Upcoming family wedding

My Month

April was definitely not a normal month, as I worked from home about 75% of the time. We decided to order lunch once a week from a local restaurant, so we spent more on restaurants than usual. Gas expenses were at a record low, while groceries were higher than usual.

My student loans are federal and in April they were put into automatic forbearance and aren’t due until October. I also got a refund of my automatic payment from March, which I shunted into my Extra Loan Payments category. 

Our Story

Our finances have changed a great deal over time. Years ago when we were both working for much lower salaries and had two kids in full-time daycare, we didn’t really have any sort of financial plan. We used to use a different budgeting program but we always seemed to be struggling and couldn’t figure out why.

We switched to YNAB (I’m much more YNABy than Superdad), and we discuss the status of our budget several times throughout the month. My husband and I still have a combined six figures of student loans, which have been weighing heavily on us. In summer 2019, we made it our mission to pay off my husband’s, which totaled around $40,000 at the time, by the end of 2020. I’m happy to report that we are halfway to that goal, and YNAB made it possible. 

We have been able to save for our true expenses, of which we now realize there are many (mostly kid-related!). We are also putting the real-deal extra money into extra loan payments. I cannot wait to achieve this major financial milestone and continue using this momentum to work towards financial independence.

Our Financial Goals

Pay off our student loans so we can start saving more for retirement and our children’s education! Think about saving a down payment for our next home purchase in a few years. 

I would rate my current financial situation: 5/5 

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The post I’m a Physician, My Husband Stays Home With Our 3 Kids, and We Make $215K/Year appeared first on You Need A Budget.

from Finance https://www.youneedabudget.com/im-a-physician-my-husband-stays-home-with-our-3-kids-and-we-make-215k-year/ via http://www.rssmix.com/

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