#Financial Safety Net
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Life insurance is often seen as a Financial Safety Net for your loved ones after you pass away. But what if you’re dealing with Financial Challenges while you’re still alive? You may wonder if you can tap into your life insurance policy to pay off debt. The answer depends on the type of life insurance you have and your financial situation. Let’s explore the possibilities...
#lifeinsurance#life insurance#financialsafetynet#Financial Safety Net#financialchallenges#Financial Challenges#financial challenge#life insurance policy#payoffdebt#pay off debt#payoffdebts#pay off debts
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Understanding Liability Insurance for Your Business
Understanding the various aspects of liability insurance is crucial for any business owner. This type of insurance serves as a safeguard, protecting your enterprise from potential legal claims and financial losses. Whether you’re just starting or looking to enhance your current policies, here’s a breakdown of why liability insurance is indispensable.
Learn More: https://www.mbacaminsurance.com/understanding-liability-insurance-for-your-business
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thoughts on "tradwives" as a 19th-century social historian
It's great until it's not.
It's great until he develops an addiction and starts spending all the money on it.
It's great until you realize he's abusive and hid it long enough to get you totally in his power (happened to my great-great-aunt Irene).
It's great until he gets injured and can't work anymore.
It's great until he dies and your options are "learn a marketable skill fast" or "marry the first eligible man you can find."
It's great until he wants child #7 and your body just can't take another pregnancy, but you can't leave or risk desertion because he's your meal ticket.
It's great until he tries to make you run a brothel as a get-rich-quick scheme and deserts you when you refuse, leaving your sisters to desperately fundraise so your house doesn't get foreclosed on (happened to my great-great-aunt Mamie).
It's great until you want to leave but you can't. It's great until you want to do something else with your life but you can't. It's great. Until. It's. Not.
I won't lie to you and say nobody was ever happy that way. Plenty of women have been, and part of feminism is acknowledging that women have the right to choose that sort of life if they want to.
But flinging yourself into it wholeheartedly with no sort of safety net whatsoever, especially in a period where it's EXTREMELY easy for him to leave you- as it should be; no-fault divorce saves lives -is naive at best and dangerous at worst.
Have your own means of support. Keep your own bank account; we fought hard enough to be allowed them. Gods willing, you never need that safety net, but too many women have suffered because they needed it and it wasn't there.
#history#women's history#pregnancy mention#my mother (born 1953) drilled this into me from an early age: have a safety net. have a skill and keep it up to date. have your own money#NEVER join bank accounts. keep a hold on your assets.#well and good to be a stay-at-home wife and mother- I know other lesbians who want that even!#but if your partner is your sole financial support...you're courting danger IMO
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Preparing for Financial Emergencies: A Checklist for Unforeseen Rainy Days
How prepared are you for a financial storm? It’s not the most exciting question, but undoubtedly a crucial one. Life is unpredictable, and financial emergencies can strike at any moment. Job loss, medical emergencies, or unforeseen major expenses can rock your financial boat. But don’t fret! In this article, we provide a checklist to guide you in creating a solid financial buffer for such…
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#Budgeting#Debt Management#Emergency Fund#Financial Emergencies#Financial Planning#Financial Safety Net#Income Protection#insurance#Saving Strategies#Unforeseen Expenses
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If you wanna know how it's going in Florida as a trans person: we have 3 very scary bills proposed (SB1674, HB1421, SB254) which stand to block - for adults - insurance coverage, bathroom access, and possibly even most transition care itself (not a ban, but still effectively one due to a whole slew of restrictions, including to telemed).
Crow and I had planned on moving to CT before the presidential election, but I needed to figure out an emergency timeline if a bill blocks access to my HRT and I can't find another local provider.
So, I made a spreadsheet of when emergencies could trigger and when I might need to stretch my T stash out while I flee Florida. Worst case: a bill immediately goes into law the day I pick up my next refill and I get denied. (Remember, testosterone is a controlled substance and it is a felony if I try to DIY.)
Every time I pick up my testosterone Rx, I can shift this emergency date further into the future. And if the bad bills fail, this emergency scenario goes away.
But looking at my closest "get the hell outta Dodge" date made me realize I need to step up on packing things I know can sit in storage for a while. Hence, all the bins.
Prepare for the worst, hope for the best.
If you're in a state like Florida that is proposing to effectively ban your care, start planning *now* so you know when you might have to make some difficult decisions. Start researching other providers and what you'd need to do for access.
I'm sharing my thought process not to scare trans people, but to give a bit of a framework for this decision-making, be it moving, saving money to pay costs OOP, hopping providers, etc. My emergency dates are based on when my HRT runs out and (for now) doesn't reflect upon the bills' current movement.
I know I am privileged to be able to leave now with most of my things, and am using that to go ahead and make a safe haven in my new home for friends fleeing in less ideal scenarios who would need temporary housing.
Thanks to all my friends reaching out with support. Our safety next is strong enough to where hopefully we should just need a place to crash with 3 cats on the drive up.
Good luck, stay safe, fight as long as you can, and afford yourself all the grace you can muster.
#trans stuff#i have a financial safety net so don't worry about me#emergency move would be tough but we would manage
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I love my grandmother dearly but her “You’re getting to that age where you should be settling down. Why haven’t you settled down yet?” shovel talk drives me fucking insane!
#personal#‘You’re 31 and no SO and no kids…?’ Shut up!#This comes immediately after she asked me how Chicago was and how she thought it wasn’t a very ‘smart financial move’ on my part.#<- I’m not hurting for money like I def still have a safety net and she’s acting like I spent every penny I have.#‘You’re traveling when you really should be staying home and working your life away or being a mom.’ is what she’s trying to get at with me#This is why I keep one of my earbuds in at family get togethers now. I’m either ignored completely or getting roasted and I’m uh tired#*Youre almost 31
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this sucks lol
#this reminds me of how at work#literally everything we do has to be expressed and justified in the language of career readiness#it's like we've all agreed there is nothing more important to a person's life and no purpose for education beyond career readiness#it drives me insane#because it's clearly so reactive and driven by anxiety rather than conviction#but to see it starting literally in infant care just makes me feel sick!!! i hate it!!!!#i am never going to talk to my child about career readiness lol. never ever ever. this i resolve#my whole MO as a parent will be to encourage his curiosity and interest in the world around him#and encourage him to follow his interests - whatever they are - wherever they lead him#i hope he enjoys learning and loves things and has real interests that are just his own#also i think what's even more nuts to me is like#we work with a large first gen student population and for many of them financial security and upward economic mobility for their families#is really important!#so i can understand some of the career readiness emphasis even if i think we do people a disservice to act like that's the only thing#that motivates them#but kids who can afford goddard school prices...#they are not going to struggle financially#they are going to have a very deep safety net#so the economic anxiety doesn’t even make sense
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having a mortgage means every few months someone in your life encourages you to become a landlord. it's so weird. and its almost never the same person twice
#like....if im gonna be a good landlord then i dont wanna do it cus i'll be essentially taking on a second job#but the fact that landlords even exist is like....guys isnt that a system we all hate#dont we all want to not do this anymore#i understand it could give me financial security and a safety net but its just so....#idk#i think when i wanna move out of this place im just gonna sell it. like why get all involved in that
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Im sorry but this trend of "stay at home girlfriend" that's being glorified is the saddest fucking thing.
First of all never let anyone control your finances and solely rely on another for that because if they leave you're stuck with nothing. If they die you are stuck with nothing. If they are abusive and you need to get outta dodge you got nothing. Never let anyone have that power over you whether man or woman or literally anyone else.
2ndly it's also sad to say you cook, you clean, you wash the literal smudged underwear of some schmup, you're doing the full time work in their place and all for nothing but to get to call yourself "girlfriend". You don't get paid, you don't have the same tax benefits that you might have from marriage, you can't hop onto their insurance, you don't get anything because you're stuck with a person who doesn't view you as anything more than a live-in bangmaid with little value outside of that because they know you got so little self worth that you allow yourself to get used as a doormat.
#i do wanna say before anyone twists my words this aint about the crowd who just doesnt want to get married#and are fine living together and just doing normal couple things#this doesnt apply to them normally because most of them have a lot of other agreements and split household things#this aint about them nor is it about most standard housewives/househusbands either#because theres a big difference and a lot of nuance and even they tend to split more responsibility#and what we got here isn't a split of responsibility its just all going on one party with no payoff other than being financially controlled#this is for the trad girlies who can't even aspire to be a tradwife and just settled for... well a whole heck of a low lower#and are often not understanding the bad and horrendous deal they are putting themselves into#because they have so much self loathing from the internalized misogyny they have#married or no again never let anyone control your money#but its just an extra layer of whack to give everything up and all possible safety nets for the title of just merely... girlfriend???
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Being a serial temp would be really ideal for me if it wasn’t for all the being unemployed in between
#like I’m embracing my serial temp status these days#I mean it basically makes you a jack of all trades dunnit#but I don’t have enough of a financial safety net to comfortably spend long swathes of time between jobs#and applying for jobs is just the worst ever#boring demoralising nonsense shite#anyway everyone wish me luck with the job I’ve just applied for#I really want it
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It'll be a miracle if new jeans comes out of this unscathed. They'll either lose Hybe or they'll lose MHJ or worst case lose both. They have a comeback soon too right? Very messy for them and their fans
This Friday actually which is 💀 literally the worst time for this to be happening, but the girls have genuine GP. I don’t think people are gonna let this affect listening to their music cause it really doesn’t have anything to do with them personally. It’s not like njws did anything bad. Reading that statement MHJ put out though, she is not letting njws go without a fist fight cause she’s really made those girls her entire life’s work.
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can they please just give me testosterone why do i have to wait ages and get blood tests and pay literally the entirety of my life savings and then some please just give me the juice please i’m going to off myself
#it’s going to cost my life savings which took me five years of overtime and busting my ass to save#PLUS an extra 2 grand because my life savings STILL don’t cover the cost#and this is only to pay for testosterone for two years. like it’s only going to be enough for two years#i worked so fucking hard for this money and i know t will be worth it but like#it’s so scary to have absolutely NO financial safety net#like what the fuck am i going to do. who knows#but i guess if the financial stress gets so much that i kms it will be much farther down the line#than if i were to kms because of dysphoria which feels relatively imminent#i heart being trans i heart being alive
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Emergency Funds: Why You Need One and How to Build It
Having an emergency fund is a crucial aspect of financial planning. Life is unpredictable, and unexpected expenses can arise at any time. In this comprehensive guide, we will explore the importance of having an emergency fund and provide practical steps to help you build one. The Importance of an Emergency Fund An emergency fund serves as a financial safety net that provides a buffer during…
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#Building an Emergency Fund#Emergency Fund#Emergency Fund Benefits#Emergency Fund Importance#Emergency Savings#Financial Preparedness#Financial Safety Net#Personal Finance#Savings Strategy#Unexpected Expenses
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Beginning to really wonder how much of my financial concern is manufactured and handed to me as opposed to something I'm genuinely concerned by
#bc like. i'm getting by just fine. i don't have anything to be reasonably worried about#but also when i was a kid my father would break down my mother's paycheck and basically explain how broke we were#and that May Have Affected Me Somewhat#as well as just. the way you consistently see the advice to just save! don't get takeout! necessities! and i'm not intent on living like#a monk nor am i intent on being on that grindset for financial gain#it's like i don't intrinsically care but i have so many messages given to me about how i need to care a lot and it puts me in a weird spot#i am simultaneously standing still and moving at mach speeds#i mean right now i just need a safety net while in between jobs; after that i need to save up to move out of state bc the uh#political situation and upcoming presidential election don't seem very sustainable for someone like me anymore#they weren't to begin with but i don't wanna stick around to see how bad it's gonna get#but it's like. okay and then what? save for what? going back to school i guess? idk#i feel like i keep asking myself what i'm trying to accomplish and keep trying to force myself to have answers#here and now when i have to be okay with taking things one step at a time instead of having everything here and now#it's simultaneously fine and terrible and i am holding two conflicting yet equal truths#i feel i may have a clearer head once i leave my current job. i'm trying to look but nothing feels appealing given how#burnt out i already feel. i dread going back into my workplace and i fear it's showing to the patients and i don't want that#i want a month off to rediscover who i am as a person outside of getting yelled at in retail and then pick something back up#could be feasible. genuinely could be. i need to sort out the health insurance aspect but. that's lowkey the plan?#to construct a financial safety net and then slam on the breaks for a while; see if i can strike up a deal with the staff about me#coming in for specific tasks bc we already know i'm quick and efficient with the inventory so i do have a little leverage#you know what. this is getting some of it off my chest and i'm starting to feel confident again lmao#i won't be doing weekends starting either next week or the week after so that's a start! i just think i want everything done right now#bc i'm afraid i won't have the chance again but i will. i definitely will#i just need to let myself get to that point; it's just the immense drain from the register work and the Everything that comes with retail#also having to accept that it's okay to leave this; there's not something wrong with me like. ''not being able to handle it'' or w/e#no mindfulness or detachment could've saved me; it was shit and i'm hitting the bricks and that's all there is to it#i've been thinking a lot about it all lately bc it's what's most prominent in my life rn of course#idk. pondering. introspecting. as i am wont to do#anyways if you've read all this you're a real mvp and i am kissing you on the hand#shai speaks
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what if I made a post about the surge of teen content creators. and how I am proud of them but also concerned for their social development. and also begged them to check their privilege that allows them to be creators at such young ages.
and what if I also tried to reassure the not-so-privileged teens that just bc they can't start now doesn't mean they can't try later?
#i have a lot of feelings on the matter bc ngl im a little weirded out by it#small streamer#small content creator#content creator#my shit#sometimes I can smell the class difference#and as someone whos dipping their toes into content creation at age 25. I cant tell you how important it was that I#1. grew up before trying to start.#and 2. made myself a financial and social safety net.#and I cant imagine how some of the kids who are diving in head first#are going to crash into adulthood.#this is plan *A* and they have no plan B#streamers
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Worst part of it is in some sick way it's by... Choice? I just feel terrible asking for help. And for some reason I decided to try to be independent. And even though I know my parents are doing fucking fine, any time I need anything I feel this terrible crushing guilt. I don't know where it comes from. It's not something they taught me. It's not something Anyone taught me. I've just convinced myself I have to do things on my own for some reason
#and even worse it feels fucking unconscionable to complain because i know my financial issues in the grand scheme of things arent that bad#and i know most people dont have well off parents as an emergency safety net#and i know im probably still better off than many people i know and all of my problems feel so insignificant and just rude to complain abou#but god its just fucking weighing on me every single day and I dont know how to escape#no amount of money is ever enough and i dont understand how to escape this without feeling like shit forever about it
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