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…💬🎀
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So @calysto1395 has been working on a ZoLaw modern!AU and I just had to draw the scene from a snippet she sent me. More snippet behind the read more:
edit: fic is also now available here!
“Laaaw-” Bepo leans into the break room, too cheerful for the early morning. He looks over witheringly while clutching his coffeecup for dear life. “Someone is asking for you.” Bepo tells him, giggling.
“If it’s Vergo, tell him to jump into a river and drown.” Law replies. There’s a hair floating in his cup and Law stares at it for a long time, contemplating sticking his hands into the scalding liquid before he grabs a spoon instead.
“No, it’s your friend from the train.” Law is frowning at his coffee as the hair evades his spoon.
“What friend?” He asks before his brain catches up and he realizes that Bepo can only mean one person. Law looks up just to see Marco blatantly paying attention as he pours himself his own cup.
“You know the hunk with the green hair and the big bag-“ Bepo explains, miming the vague shape of a human.
Law abandons the hair and the spoon so he can rub his eyes.
“Ohh, resting bitch face? Scar on the left eye?” Marco asks causing both Law and Bepo to stare at him. He has the same serene crooked smirk he always has as he takes a leisurely sip from his mug.
Law squints at him. “Bepo, tell him to wait in my office and also never say the word ‘hunk’ ever again.” Bepo snickers and disappears as Law points at Marco. “You know him?” Law asks and surprises himself at the hint of jealousy that comes through (that’s his stranger damn it).
[AU and writing by @calysto1395 ]
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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.
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So, I'm thinking of a Sabolaw actor AU!
For the longest time, Sabo's an amateur actor who does this as a hobby. He loves making short films and he loves writing, so this was an avenue of self-expression for him throughout his twenties.
One day in his late thirties, a casting director finds one short film of his and immediately hired him to be the lead of a chirpy adaptation of a YA thing.
Instant hit! People adored his good looks, his giggly laugh and bug eyes. His popularity skyrocketed and the hype sustained his career ten years later. He's just that smart when it comes to marketing!
So now, as a forty-something, he's the star of a quirky, eccentric adult film written by the enigmatic Corázon. He's interested in the script because a lot of people fancast him as the male lead and figured this would be a good project to appeal to public opinion.
This is where he meets Law, who has taken an instant dislike to him. Whatever, that happens.
Law's apparently Corázon's personal assistant but he acts more like a baby sitter. Law would light his cigarettes up for him, get coffee and even writes corrections for Corázon. They were apparently father and son and Sabo kind of envies their good relationship.
More than that, though, Sabo adores how sweet Law was towards the mute Corázon. He saw a lot of shy, reserved people—especially if they were minorities—get yelled at, berated and insulted regardless of rank. It could be straight up harassment or backhanded compliments to their achievements.
Law, in contrast, was doting, polite and even talks for Corázon, even if what he said was either "Thank you, Cora-san will think about it" or "Piss off." Sabo thought vulgarities sounded cute from his mouth.
Their first full conversation happens in a dressing room where Law was filling in for a makeup artist. Law was doing his makeup and Sabo leaned in so Law did not have to strain himself.
"You come here around, lovely?" Right, Sabo flirts with him a lot. He's kind of insane about it.
"No."
"Your words are cold but your hands are warm, darling."
Law sighed deeply. "Have you memorised your lines? You forgot them the last time."
"Oh..." Sabo did not like talking about work so casually. "Yes, yes, I have. Would you like me to recite one?"
"Sure."
Sabo did not mind that Law was ignoring him and that he was pretending to tidy up the makeup supplies. He recited a monologue, admittedly cringing slightly. He planned to negotiate a slight rewrite.
"What am I thinking of? What a silly question. I think of you when I don't think of anything in particular. I think about what you're doing now, how you're feeling, what you want to do when you come home to me. Even right now, I think of how I can love you better. I think of you all the time, even in my daydreams. You inspire me, my love."
Sabo noticed Law's ears go a little red but he kept a neutral face.
"Don't take this the wrong way but," Law paused to glance at the floor. "I'm glad you have the role. You're not the guy my dad had in mind but you fit it perfectly. Thank you for agreeing to do this."
Sabo laughed. Law was oddly sweet today.
They got a bit friendlier from that day onwards. They would talk occasionally about things that's not just work, even if Law seemed reluctant to. From the few bits of information Law gave, Sabo found himself falling for him more and more.
Law had a puppy. He liked black coffee, just like Sabo. He liked hardcore rock music, indie stuff with a splash of poppy-addictive Red Velvet music. He liked the colour yellow. He liked reading. Law wore the fluffiest, softest cardigan to work sometimes.
Law's stoic demeanor finally broke when Sabo let him infodump all about Sora the Warrior. Law speaks so enthusiastically even to someone he supposedly 'hates' and Sabo just melts. He could listen to Law talk all day. He would think of his sparkly eyes even in his daydreams. He could count the stars in them...
Today, Sabo was going to film the sex scene with his co-star and he made sure they would do it in at most five takes. She seemed willing enough and wanted to get it done in one. Admittedly, they did not get along in real life despite having chemistry on camera.
When they started filming, Sabo tried his best to be 'in love' as the script says. This was a moment where their relationship would deepen and it was admittedly the hottest moment in the film. It was fine if she hesitated, since she played a timid character. The director reminded him of this. Sabo got annoyed but he agreed to try again.
It got worse because they were both irritated. Gah! Just before Sabo wanted to take a break, he had a reckoning. He realised that her lips were pale... Sabo glanced up and saw Law pretending to look busy by tapping away at his laptop. They were pale, just like Law's. He closed his eyes and finally felt the passion he needed to make this work.
Even the director blushed at what he saw.
After the scene, Corázon taps Sabo on the shoulder without Law next to him. Sabo follows Corázon into a small, under-utilised office. He opened the window and smoked a cigarette. Here, he took his sunglasses off and Sabo sees that he's actually quite handsome with a large face, pale skin and dull blonde hair.
"Be careful, boy."
Where did that deep voice come from? Sabo was surprised to hear it come from Corázon himself.
"His heart is in pain," Corázon continued. He blew a puff of smoke out the window. "Treat him well."
"You can't cut me out of this project," Sabo reminded him lightly. Threats like this were unprofessional. "We have a contract."
Corázon smiled. He was cunning like Sabo and Sabo oscillated between liking and distrusting him.
"It's not about that. I know your type, and... Well... I'm a protective father, do you see?"
Oh, it's that kind of consequence. For the first time in his career, he stood some distance away and bowed deeply. Corázon did not expect that but he seemed to appreciate that.
Sabo knew cynicism when he saw it, however. Why won't these people just believe in him! He needed a fucking drink.
He went to the bar some distance away from the studio and wow! Holy fucking shit!
Law looked at him first. He changed out of his hoodie and now wore a black button shirt and jeans. Sabo knew he had game but damn, Law's so slim and fit and so damn sexy. Sabo ordered a drink and sat there. He stared at the wall, thinking of his work, what he had to do tomorrow, he quickly remembered his lines...
"Hey, handsome. You look like you have a lot on your mind." A slightly tipsy giggle.
Sabo looked up. Now, he thought of Law. Law had such a cute smile when he wasn't so irritable. Law sat on his lap without asking and of course Sabo let him. Law gave him fuck-me eyes and Sabo knew that was only because he was sort of drunk but Sabo just felt his heart squeeze and his dick harden.
If only Law were sober! Damn it! This would be so much better if Law wanted to seduce him. He wanted Law to look at him with those lustful eyes and mean it. Sabo laughed bitterly.
Law's legs were long and warm against his. Law held his face and tried to kiss Sabo but Sabo put his hands over Law's mouth. Law pouted and he was so fucking cute, Sabo would gladly kiss him just not like this. He tried to get Law off his lap.
"You're still the same dork I fell in love with twenty years ago." Sabo finally had enough. Law tilted his head to the side in confusion. Sabo remembered Law hated loud noises and would wear white noise-cancelling ear-plugs. Upon closer inspection, Sabo saw that it was the same pair too. Law kissed his ear and Sabo let him come closer.
"Fine, you win. I'm hopelessly smitten. I wonder, Law, I wonder where we'd be if you believed in my feelings towards you? If you listened to me that day..."
Also, did I mention that they were (very bitter) exes? Yeah, that's a thing that happened a long ago...
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