#FINANCE GOALS

[blancabitchcraft]

All that I desire I possess.

Your attention is mine.

Your love is mine.

Your time is mine.

Your adoration is mine.

Your support is mine.

Your respect is mine.

Your resource is mine.

Your heart is mine.

Your mind is mine.

You are mine.

And I...

Am yours!

I chant it.

I believe it.

I receive it.

You're compelled.

If you'd like to donate, you can always do so through my cash app: $BlancaBitchcraft

[soumen2123]

Common Misconceptions About Personal Finance

There's much to discuss regarding how to manage personal finances and the obstacles and mistakes encountered along the way. However, let's begin with a few key questions that are crucial in the realm of personal finance.

What is personal finance? Personal finance means managing your money and investing money in order to achieve your financial goals.

What are your financial goals? It helps a lot to set your financial goals before you start managing your money. The financial goals may differ depending on your priorities. There are no hard and fast rules to setting goals for financial management. Your financial goals can look like a house, car, education, investments, etc. Therefore, it’s important to get clear about your financial goals, beforehand.

Things people get wrong about personal finance:

It’s Daunting & Intimidating: Personal finance is only scary as long as you avoid it. Also, lack of understanding or rather dare I say, financial illiteracy makes personal finance look like a monster from afar.

Poor Financial Discipline: The best way to manage your finances is to have good discipline when it comes to your expenses. Overspending or unnecessary expenditures are your worst money when it comes to personal finance.

No Investments: You should invest as much as you can in your younger years to lessen the risk as you near your retirement age. Investments help you secure your financial future.

No Retirement Plans: When you think of retirement, you may or may not think that it’s something that you will have to face later, down the years. Also, retirement is not just about saving for later. It’s also about carrying your experiences into the old age. One should start thinking about their retirement plans quite young.

Accumulating Debt: All debt is not bad but too much debt is also not good for your financial health. There is no point in accumulating debt if it’s leading to a dent in your pocket.

Too Many Credit Cards: Credit cards are good for you if you practice good financial discipline. Otherwise, they can be costly in the long run. Having too many credit cards may lead to the failure of repayment and accumulation of debt which should not have a place in your financial goals.

To avoid all the financial mistakes, you could get wrong in terms of your goals of financial management, you can use the same points as personal finance tips.

[study-diaries]

Study Trick That No One Told Me.

Division of subjects:

Every subject is learnt and graded in a different way. You can't use the same study techniques for every subject you have. You have mostly 3 types of subjects:

Memorization based

Practical/Question based

Theory/Essay based

Memorization based:

Mostly Biology, Sciences, Geography etc are fully based on memorization and so you'll use memory study techniques like flash cards and active recall.

Practical/Question based:

Maths, Physics, Chemistry, Accountancy etc are practice subjects. The more you do your questions and understand how a sum is done, the better you can score.

Theory/Essay based:

English, history, business studies etc are theory based. The more you write, the way you write and the keywords you use are the only things that will get you your grades. So learn the formats and the structure on how to write your answers

Note: Some subjects are a combination of the three. Like Economics etc

The reason we divide the subjects is because you can adopt the right study methods for the right subject. Like ex: business studies is mostly based on how you write your answer and the keywords, if you're gonna spend your time memorizing in this, it's a waste of time and energy.

Hope this helps :)

[classycookiexo]

[a-philanthropistswife]

Can you give an example of what you write for your goals? I want to start, but I'm not exactly sure how to write it

For example:

~FINANCIAL GOALS~

(Short term 1-3 months)

1. Get promoted at work & negotiate a 50% raise

2. Cut any excess spending (gym membership/phone bill/etc.)

3. Increase emergency fund to X,XXX

(Medium term 3-6 months)

4. Refinance car loan

5. Make more money —> Launch side hustle

6. Open another line of credit (discover/capital one?)

(Long term 6-12 months)

7. Pay down private student loans AGGRESSIVELY

8. Increase emergency fund to $XX,XXX

9. Grow social media fan base —> sponsors

10. Contribute max amount to 401k & Roth IRA

Etc. Etc.

Hope this helps you get started, honey!

[stackslip]

people seeing the fallout of the hbomb/somerton situation and acting like academia is free of all of these issues and doesnt have its own content mill source of horror. lol. lmao

[luxuryandlilacs]

Excerpt from Smart Women Finish Rich

[flygonscales]

2 weeks at uni and I’ve already reached peak procrastination. I found masking tape and somehow decided that the best use of my time was to make a tiny Belphemon-sleep.

[fraulein-nietshe]

Y’all, my Business law professor is so bad. Let me tell you. At the beginning of this semester there were maybe 15 students in the class and each class that number has slowly been dwindling down. Yesterday when I walked in, there was ONE other student there.

All he does is read off the book PowerPoint slides and any slide that he adds to give us an example, he tells us he used ChatGPT to make it.

We don’t do any briefs. Whenever I ask for alternative studying resources, he says to us AI. THAT IS HIS ANSWER TO EVERYTHING. I am not exaggerating.

So you know what? I AM using ChatGPT. For the questions and exams. On the midterm the grade average was 61!!!!!!!

I used ChatGPT and I got a 94. No there was no curve. This is the first time in my academic career that I have ever done something like that. I would feel more guilty but I am not letting a lazy professor get in the way of my GPA.

My Macroeconomics teacher is bad but nowhere near as bad as my Business law. I am so busy teaching MYSELF economics while simultaneously going through my Financial Accounting class (which luckily has an alright professor) to be trying to also teach myself fucking commercial law.

When I get up to my 4 year in NYC I am definitely going to be retaking my business law class even though I’ll have already have gotten an A in this one, but it’ll be with a competent professor next time.

[tariah23]

Here we go again

[financialfreedomforever]

[study-diaries]

127 days left

Today wasn't bad, could have done better but I'm honestly really proud that i almost completed my to do list T-T

Today I:

Completed 6 lessons in Arabic

Completed 2 lesson (Part 1-3) in Business Studies

Tomorrow's to do list:

Wake up early and revise Arabic + learn 1 more lesson.

Study Business Studies 4 chapters for midterm

[jakey-beefed-it]

During our midnight walk last night in (vain) hopes of seeing the aurora, my spouse and I discussed taking a special trip at some point to a far enough northern locale that it would be all but guaranteed. She mentioned Churchill, which is apparently "only" a nine hour flight away, and has the added benefit of being able to spot polar bears.

I have a healthy respect for bears, generally, that transitions to "appropriate fear" as one escalates from black bears to brown bears and thence to polar bears, so I confess feeling a bit torn on the possibility of seeing a polar bear in person outside of a zoo setting.

On the one hand, it would be seriously cool to see a wild polar bear (especially as such a thing might prove impossible in the all-too-near future). On the other, plenty of dumber, whiter people than I have learned firsthand that polar bears are not to be fucked with. "Man proposes, God disposes" and all that.

On the OTHER other hand, though, everybody dies somehow and it would be an objectively funny end for a Californian to be eaten by a polar bear.

[vonnieonthesolodolo]

🚀 Top 10 Transformative Strategies to Elevate Your Year 🌟

Set Clear Goals 🎯: Define your aspirations and break them down into achievable milestones. Clarity in your objectives will provide a roadmap for success and keep you motivated throughout the year.

Establish Healthy Habits 🏋️‍♂️: Cultivate a routine that supports your physical and mental well-being. Whether it's regular exercise, mindful eating, or sufficient sleep, prioritizing health can significantly enhance your overall quality of life.

Learn Something New 📚: Stimulate your mind by acquiring new skills or knowledge. This could be through formal education, online courses, or even self-directed learning. The joy of growth and discovery can bring a fresh perspective to your year.

Embrace Positivity 😊: Surround yourself with positivity and gratitude. Practice mindfulness, express appreciation, and let go of negativity. A positive mindset can significantly impact your outlook on life and help you navigate challenges more effectively.

Expand Your Network 🤝: Cultivate meaningful relationships both personally and professionally. Networking opens doors to opportunities, introduces diverse perspectives, and provides a support system for personal and career growth.

Manage Finances Wisely 💰: Create a budget, save strategically, and invest wisely. Financial stability contributes to peace of mind and allows you to pursue your goals without unnecessary stress.

Prioritize Self-Care 🌿: Allocate time for self-care activities that bring you joy and relaxation. Whether it's a hobby, reading, or spending time in nature, taking care of yourself is essential for maintaining balance and resilience.

Give Back to Others 🤲: Volunteer or engage in acts of kindness. Contributing to your community fosters a sense of purpose and fulfillment. It also creates positive ripples that can impact both you and those around you.

Reflect and Adjust 🔍: Regularly assess your progress and adjust your strategies accordingly. Flexibility and adaptability are key to overcoming challenges and staying on course towards your goals.

Celebrate Achievements 🎉: Acknowledge and celebrate your accomplishments, no matter how small. Recognizing your successes boosts confidence and encourages continued effort toward personal and professional growth.

Embark on this journey with intention and dedication, and watch as these transformative strategies elevate your year to new heights! 🌈✨

[femmefatalevibe]

I want to FIRE! Do you have any tips for that ;)

Hi love! While I'm not committed to their FIRE movement per se, here are some of my best tips to set yourself up for financial success:

Diligently keep track of your income and expenses. Audit every week or month to give yourself an honest look at your financial activity

Create financial goals and a realistic budget to help you achieve them

Prioritize saving up a 6-month emergency fund, maxing out your Roth IRA (or backdoor Roth IRA) and HSA account (if in the U.S.)

Purchase high-quality, timeless items that are built to last; It's cheaper in the long run to maintain items vs. constantly repurchasing items if you have the option

Create multiple sources of income: A 9-5 job, investments, side hustle, digital products, etc. Find ways to monetize activities you would enjoy doing without earning a dime

Focus on building a strong network and high-value, transferable skills: Even if you plan on working as an employee forever (no shame in that – it's a great way to get a steady paycheck), always strategize your career in a way that would leave you equipped to make it on your own. You need to be in the driver's seat of your career and financial life at all times

Make food at home, take care of your health, and take advantage of preventative medical testing, screenings, and procedures. Losing your health (physical and mental) is the easiest way to ruin your life satisfaction and your finances

Hope this helps xx

[rhysnolastname]

literally cannot stress how important money dates are if you’re a couple who share finances…….