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[yolo-adulting101]

“Forgive me if I don’t talk much at times. It’s loud enough in my head.”

— Unknown

[yolo-adulting101]

Ideas for a side hustle? 🙃

[yolo-adulting101]

[yolo-adulting101]

self care that will change your life

~ journaling:

prompts about how you’re feeling

journaling about your favorite days

~ meditating:

two minutes every day or every other day

clearing your mind and taking a few minutes to be alone with yourself

~ night routines:

nightly skincare

cleaning up before bed

stretching

~ cold skincare:

using cold face masks & eye patches

keeping your face rollers in the fridge

sleeping w/ a gel bead eye mask

~ complimenting:

compliment others; spreading kindness will bring you good fortune 🦋

compliment yourself; showing kindness to yourself will bring you true confidence 💕

[yolo-adulting101]

Read on for our collected wisdom on investing for beginners.

Fundamentals of investing:

What’s the REAL Rate of Return on the Stock Market?

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

The Dark Magic of Financial Horcruxes: How and Why to Diversify Your Assets

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

Booms, Busts, Bubbles, and Beanie Babies: How Economic Cycles Work

When Money in the Bank Is a Bad Thing: Understanding Inflation and Depreciation

Investing Deathmatch series:

Investing Deathmatch: Managed Funds vs. Index Funds 

Investing Deathmatch: Traditional IRA vs. Roth IRA 

Investing Deathmatch: Investing in the Stock Market vs. Just… Not 

Investing Deathmatch: Stocks vs. Bonds 

Investing Deathmatch: Timing the Market vs. Time IN the Market

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

Now that we’ve covered the basics, are you ready to invest but don’t know where to begin? We recommend starting small with micro-investing through our partner Acorns. They’ll round up your purchases to the nearest dollar and invest the change in a nicely diversified portfolio of stocks, bonds, and ETFs. Easy as eating pancakes: Start small with Acorns

Alternative investments:

Bullshit Reasons Not to Buy a House: Refuted

Investing in Cryptocurrency is Bad and Stupid

So I Got Chickens, Part 1: Return on Investment

Twelve Reasons Senior Pets Are an Awesome Investment 

How To Save for Retirement When You Make Less Than $30,000 a Year

Understanding the stock market:

Ask the Bitches Pandemic Lightning Round: “Did Congress Really Give $1.5 Trillion to Wall Street?”

Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?” 

Money Is Fake and GameStop Is King: What Happened When Reddit and a Meme Stock Tanked Hedge Funds

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”

Retirement plans:

Dafuq Is a Retirement Plan and Why Do You Need One?

Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over

How to Painlessly Run the Gauntlet of a 401k Rollover

Ask the Bitches: “Can I Quit With Unvested Funds? Or Am I Walking Away From Too Much Money?”

Workplace Benefits and Other Cool Side Effects of Employment

You Need to Talk to Your Parents About Their Retirement Plan

Got a retirement plan already? How about three or four? Have you been leaving a trail of abandoned 401(k)s behind you at every employer you quit? Did we just become best friends? Because that was literally my story until recently. Our partner Capitalize will help you quickly and painlessly get through a 401(k) rollover: Roll over your retirement fund with Capitalize

Recessions:

Season 1, Episode 12: “Should I Believe the Fear-Mongering about Another Recession?”

There’s a Storm a’Comin’: What We Know About the Next Recession

Ask the Bitches: How Do I Prepare for a Recession?

A Brief History of the 2008 Crash and Recession: We Were All So Fucked

Ask the Bitches Pandemic Lightning Round: “Is This the Right Time To Start Investing?”

[yolo-adulting101]

10 Personal Finance Tips for Girls in their 20s

1. Personal finance advice is PERSONAL. Take any advice you see online with a grain of salt, including this one. That being said, there is a lot of basic advice that could apply to a lot of people and do a lot of good.

2. Be interested about money. You’re being ignorant if you think that money doesn’t affect you, or that you don’t care about money. It is one of the most important areas of your life as a grown adult. You don’t have to think deeply about it every day–you just need to learn the basics and put some time into it at the beginning, and that will set you up better than most people. Read books. Read forums. Watch YouTube videos. Listen to podcasts.

3. Debt is complicated–think about it before you take it on. Think about whether or not it’s a good choice for you in your personal situation. Generally speaking, mortgages are acceptable debt, and consumer debt is not.

Student loans are a grey area, but don’t take it lightly! Make sure the cost is worth what you think you’ll be able to make with an income. Talk to people who are in your field and ask whether or not your level of student loans is worth it. Be educated about debt before taking it on, or else it will be a very ugly monster.

4. You Need a Budget (YNAB) is the best app for budgeting, period. I don’t want to hear anything about tracking your expenses, because that’s retroactive. We want to be proactive with our finances. YNAB lets you do that. There’s a year-long free trial for students too.

5. Credit cards aren’t the devil, but if you can’t use them responsibly, figure yourself out before you use them. The maximum amount of money you can borrow from your credit card (aka your credit limit) is NOT your money. It’s debt. If you can’t control yourself, then take a step back and reign in your spending habits before you get a credit card again. YNAB will help with this. I have access to over 6 figures in credit from the bank, but I’m not out here blowing that money on designer bags and whatever.

6. Your savings are wasted in a savings account at your bank. Big banks have the customers by brand name alone, so their interest rate will be measly compared to smaller banks. Be sure to do your research before you commit to a smaller bank because there can be some scammy ones! My bank’s interest rate on a savings account right now is 0.05%. My high interest savings account interest rate is 1.5%–x30 higher!!

7. Your significant other is a significant decision not only for your life but also your finances. Don’t rush into marriage. Don’t rush into buying a house together. Don’t rush. Divorce is painful and expensive. And being with someone whose financial values align with yours is important. You don’t want to be scrimping and saving when your partner is out buying everything under the sun.

8. You don’t know anyone else’s finances, so fighting to keep up with the Joneses is stupid. There are athletes making millions of dollars a year who have flashy lifestyles and can’t handle their finances and end up bankrupt. You don’t know how the girls on Instagram or the other rich people in your life are affording things, so you can’t compare your situations. You don’t know how much money they make, or how much money their parents give them, or how much student loans they have. Eyes on your own paper. Focus on your own financial security.

9. Reconsider how much you eat out. Eating out is such a money suck for many young people, either because of convenience or because you don’t know how to cook. Learn how to cook. Don’t be lazy. If you’re getting takeout, consider at least picking it up instead of getting it delivered and paying an abhorrent amount of extra charges in service fees, delivery fees, and tips. I’ve cut down my eating out significantly and my wallet thanks me for it.

10. You are in control of your money. (Side note: don’t give that control to anyone!!!) You CAN make good and responsible choices. You CAN achieve financial goals if you do your research and educate yourself and put in the work. You CAN reach a point where money is not a stressor in your life. I believe in you.

Now go out and get wealthy.

xoox,

prettyxoox

[yolo-adulting101]

[yolo-adulting101]

[yolo-adulting101]

[yolo-adulting101]

[yolo-adulting101]

[yolo-adulting101]

Lovely clear guide :)

[yolo-adulting101]

8 study tips to boost your productivity

day in the life as a medical student during exam season

how i stay focused while studying

how i study languages on my own

30 cute notebook ideas

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click here for my new video! i’m sharing some language learning study tips that i use to self-study languages at home, featuring apps, websites, podcasts and books that i really enjoy using!! hopefully this will be helpful and inspire some of you :) if you enjoy my videos, please leave a like/sub, that would be so appreciated!!

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How she did it:  Anna’s Braided Crown hairstyle in Frozen 2

From Lulu’s Braided Crown tutorial (link to website in notes section)

Steps:

Starting with a middle part, section the left side just behind your ear to begin the braid.

Braid toward the back-center of your head, then fasten with pins below the crown.

Repeat braid on the other side of your part.

Next, pull the second braid under the fastened braid so they meet in the middle.

Fasten with pins until both sides feel secure.

Create volume on top by carefully loosening the hair with a comb.

Hide any stray ends and finish the look with hairspray!

(gif by @rivenswish)

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It has come to my attention that many of my friends don’t know how easy it can be to get a super cute braided crown look! It’s definitely my favorite for when I want to do something fast that will look cute, and keep my hair out of the way.

Sure, there are a lot of complicated ways to achieve a similar look, but if you don’t have an hour to spend doing a lace braid around your head, you can still have something nice in about 5-10 minutes using only regular braids!

This also does well with second-day hair! Just spray in some dry shampoo before you style it.

If your hair isn’t long enough to get your braids to overlap, you may have to make your ponytails closer to the side of your head, rather than at the back of it.

I hope this is helpful to you, person with long or medium-length hair!