#rich and pretty

[honeytonedhottie]

financial literacy⋆.ೃ࿔*:･✍🏽🎀

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

WHAT IS FINANCIAL LITERACY ;

financial literacy is handling ur money wisely. the google definition of financial literacy is the ability to understand and apply different financial skills effectively, including personal financial management, budgeting, and saving.

ALL ABOUT BUDGETING ;

when u hear the word "budget" its rly easy to think "omg limiting belief" or think of it in a negative light but a budget is just a plan on how u manage ur money. its not always constrictive and negative like u may or may not think of it to be.

budgeting : keeping track of how much $ ur bringing in and how much ur spending…💬🎀

planning a budget is ez pz. you can use some paper and sparkly pink gel pens to create an adorable budget, or u can download different sheets online and just have your budget digitally. theres a plethora of resources out there so just choose whichever is easier for u.

something else that i learned about during this course was the 50:30:20 rule. its called the 50:30:20 rule because 50% of ur money goes towards ur needs, 30% goes towards wants and 20% goes towards ur savings. and this isnt concrete, its just a good framework and u can adjust to ur own specific needs and goals.

for example if u manifested $4000. ur 50% would be $2000, ur 30% would be $1200 and ur 20% would be $800…💬🎀

HOW DO U KNOW WHAT UR NEEDS/WANTS ARE ;

things like ur rent and groceries are ur needs and things like vacations and going out with ur girls are wants. and to apply the 50:30:20 rule you first have to...

♡ calculate ur needs, wants and savings budget

♡ compare ur expenses to ur budget

the way u do this is to subtract your expenses from your budget. this is your budget balance. if your budget balance is zero or positive, that means you are living within your means and have some extra money. if your budget balance is negative, that means you are spending more than you should and may have a budgeting problem.

let me know if u guys want more content about this cuz i had a lot of fun writing this…💬🎀

[etheral-moon]

Born to be Paris Hilton, forced to be Fiona Gallagher

[ridleymb]

I know that Hollyberry had suffered from post-war trauma for a time, leading to depression and prolonged drunkenness to the point of neglecting her country

But I didn't expect that to be when Royal Berry was so young

Bonus:

[wocina]

[drulalovescas]

Hearing the word DESTIEL uttered by the actors of the show Supernatural on the official podcast of the show Supernatural. Hearing these actors say: IT'S ALL RIGHT THERE. THEY PLAYED INTO IT. Hearing them confirm it's real, it's in the scripts. Hearing them confirm its CANON.

We've really come a long LOOOOONG way.

[sir-illmatic]

[lavishthings]

[theegh0st]

[otaku553]

Remember when I said I was cooking a Really self indulgent au?

Here it is! In which Ace picks up a different shipwrecked masked aspiring adventure-novelist on Sixis :)

Spade Pirates’ First Mate Sabo AU

Except Sabo and Ace both don’t realize it’s each other because Sabo still has amnesia and Ace can’t recognize Sabo after 7 years because of the mask

This came from the writing prompt someone gave me of Sabo and Deuce interaction and once I got thinking about them I was like. There’s too many parallels. And couldn’t stop thinking about it

In this AU Sabo doesn’t get saved by Dragon, washes up onshore on Goa before he dies, and survives to set sail again a week or so later, but still has amnesia. Realizing that sailing alone as a ten year old is pretty unfeasible though, he stops sailing after the first few islands and lives as a feral forest child on his own for the next seven years until he feels ready and strong enough to try again.

He chooses his own name, Tage (pronounced taj), based on the assumption that Sabo is his last name and his belongings are too ruined to read his given name :) credit to whery for the name pun idea it’s absolutely genius

I might do some short comics for this if I ever get around to it but for now it’s just a loose collection of ideas!

[honeytonedhottie]

financial literacy continued⋆.ೃ࿔*:･👛💵

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

HOW TO SAVE MONEY ;

automatically deposit a certain percentage of ur income into ur savings account so that u dont even have to think about it

to do something more FUN tho, (at least in my opinion) is to make a challenge where u have to save every $10 dollar bill, or $20 dollar bill or whatever. just something to make saving money seem like a game if u wanna have some fun with it.

EMERGANCY FUND ;

most experts will tell u that ur emergency fund should be 3-6 months of ur needed expenses. so calculate ur needed expenses and multiply that by 6 to figure out how much you'd need to have in ur emergency fund.

PAYING YOURSELF FIRST ;

you should always put urself first in every single situation including financially. so to pay urself first simply means to put ur future and needs before anything else. FOR EXAMPLE... let's say u wanna buy an ipad by the end of the year, an ipad is $345.

lets also say that u get paid weekly, so you'd divide $345 by the number of weeks in a year (52) you'd get 6.6. so you'd have to save roughly $6-$6.50 a week which isnt a lot at all. and you'd be getting what u want.

INTEREST AND CREDIT ;

interest is like a reward that the bank gives you for trusting them to look after your money. the more money you have in your account, and the longer you keep it there, the more interest you can earn…💬🎀

so the bank calculates interest as a percentage of the total amount in a bank account. so if the bank pays a 1% interest you'll earn $1 for every $100 in ur bank account over the course of a year. so if u have $500 in ur account you'll get $5. its not a lot, but interest builds on itself.

credit is the ability of the consumer to acquire goods or services prior to payment with the faith that the payment will be made in the future…💬🎀

for example missing payment deadlines can negatively affect ur credit score. why is this important? if u wanna go to college and wanna use student loans, u might not be able to if ur credit history is bad. as ur credit history grows you'll get a credit score. the higher ur score, the better ur credit is.

BUILDING CREDIT ;

get a secured card. a secured credit card is a special type of credit card with a down payment. when you open the card, you will give the credit card company a deposit to hold. it can be as little as $100. the company holds the money for you and gives you a credit card with a line of credit equal to your deposit

sign up for victoria's secret direct paper mailers. you'll get a coupon each month for 1 free panty for every purchase. when u go to the mall, get urself a panty and a sweet treat 🧁 (DO NOT PUT ANYTHING ON THE CARD THAT U CANT IMMEDIATELY PAY OFF)

and then go home and pay ur credit card bill off, and then dont use it again until the next month.

[sonagitalk]

au where ruby works at fine dining and there's a really annoying regular

weiss calls her rose, occasionally "ruby" in this really flirty voice when she's trying to convince ruby into something (usually not good)

ruby calls her "miss schnee" and nothing else.

[svdaily]

Emotional regulation is such an underrated flex.

[proselles]

the start of witch hat atelier before u realize how fucked the whole thing is is funny because you'll be reading and coco and agathe and tetia and riche are so cute and the world is so beautiful with so much lore and symbolism and they'll be going on adventures and learning and making new spells and having fun and making magic and smiling and playing pretend and all. They deal with some big issues, but ultimately, friendship prevails, they cook they clean olruggio's there yes there's a big conspiracy but coco's gonna figure it out! everything's gonna be okay!!!

And then you glance out of the corner of your eye. And qifrey is over there and he's like. Having a manic episode

[youvebeengalindafied]

Okay real fast - what the HELL was going on with this outfit in musical theater 20yrs ago:

[Raoul from Phantom of the Opera

Enjolras from Les Misérables

Fiyero from Wicked]

[jenntastic10]

Big Bow Gurl! I first noticed this now trend in #Anime and I love it 🥰 💕🎀

[eclaires-world]

Kash Doll really been that bitch