#How to save on loan interest

[fincrif]

How to Create a Financial Plan for Personal Loan Repayment?

A personal loan can be a great financial tool to manage unexpected expenses, fund major purchases, or consolidate debt. However, repaying the loan on time is crucial to maintaining financial stability and a good credit score. Without a well-structured financial plan, borrowers may struggle with high EMIs, increasing debt burden, and late payment penalties.

In this guide, we will walk you through the essential steps to create an effective financial plan for personal loan repayment. By following these strategies, you can ensure timely payments, reduce financial stress, and even save on interest costs.

1. Assess Your Current Financial Situation

Before creating a loan repayment plan, take a close look at your financial standing. Analyze:

✔ Total outstanding loan amount – Check how much of your personal loan is still unpaid. ✔ Monthly income sources – Identify your salary, freelance earnings, or passive income. ✔ Existing expenses – List fixed costs such as rent, utilities, and daily expenses. ✔ Other financial commitments – Include credit card dues, other loans, or savings goals.

How This Helps:

Knowing your income and expense balance allows you to set a realistic repayment strategy without overburdening your finances.

2. Choose the Right EMI Structure

Banks and NBFCs (Non-Banking Financial Companies) offer different EMI (Equated Monthly Installment) options based on loan tenure and interest rates. Choosing the right EMI structure can impact your repayment ability.

Types of EMI Options:

✔ Fixed EMI – The EMI remains the same throughout the loan tenure. ✔ Step-Up EMI – Lower EMIs at the start, which gradually increase over time. ✔ Step-Down EMI – Higher EMIs in the beginning, reducing over time.

How to Choose:

If your income is stable, a fixed EMI is ideal.

If you expect future salary hikes, a step-up EMI might be beneficial.

If you want to clear the debt quickly, a step-down EMI reduces interest outgo.

3. Set a Monthly Budget for Loan Repayment

Once you decide on your EMI, incorporate it into a monthly budget to ensure on-time repayment.

Steps to Create a Loan Budget:

✔ Allocate 30-40% of your income towards loan repayments. ✔ Cut back on unnecessary expenses like luxury purchases or frequent dining out. ✔ Prioritize essential expenses, such as rent, groceries, and utility bills. ✔ Avoid taking on new debt while repaying your existing personal loan.

💡 Pro Tip: Use budgeting apps or an Excel sheet to track expenses and ensure EMI payments are made on time.

4. Consider Making Prepayments to Reduce Interest Costs

If you have surplus funds, consider prepaying your personal loan to lower the outstanding principal and reduce interest payments.

Benefits of Prepayment:

✔ Reduces total interest payable over the loan tenure. ✔ Shortens the loan duration, helping you clear debt faster. ✔ Improves your credit score, making future loan approvals easier.

Things to Check Before Prepaying:

✔ Confirm whether your lender charges prepayment penalties (some banks charge 1-3% of the outstanding amount). ✔ Choose the right time – Prepaying early in the loan tenure gives the highest interest savings.

5. Create an Emergency Fund to Avoid Loan Defaults

Unexpected expenses like medical emergencies, job loss, or urgent home repairs can impact loan repayment. To prevent missing EMIs, set up an emergency fund.

How to Build an Emergency Fund:

✔ Save 3 to 6 months’ worth of expenses in a separate savings account. ✔ Use high-interest savings accounts or liquid mutual funds for quick access. ✔ Avoid using your emergency fund for discretionary expenses.

Having an emergency fund ensures that you can continue EMI payments even during financial setbacks.

6. Consider a Loan Balance Transfer for Lower Interest Rates

If your current personal loan has a high-interest rate, refinancing it through a loan balance transfer can help you reduce EMI payments.

Steps for a Loan Balance Transfer:

✔ Compare interest rates from different banks or NBFCs. ✔ Check for processing fees or balance transfer charges. ✔ Ensure that the new lender offers lower EMIs or better loan terms. ✔ Transfer the remaining loan amount to the new lender and enjoy reduced interest costs.

This strategy can help you save thousands in interest payments over time.

7. Use Windfalls or Bonuses for Repayment

If you receive a salary bonus, tax refund, or unexpected cash inflow, consider using a part of it to repay your personal loan.

Why Use Windfalls for Loan Repayment?

✔ Reduces outstanding loan balance and lowers EMI burden. ✔ Helps you become debt-free faster. ✔ Saves on total interest costs over the loan tenure.

Instead of spending bonus money on luxury purchases, use it for loan prepayment to improve financial stability.

8. Set Up Auto-Debit for EMI Payments

Late payments not only attract penalties but can also damage your credit score. To ensure timely EMI payments, set up an auto-debit feature with your bank.

Benefits of Auto-Debit for Loan EMIs:

✔ Avoids late payment penalties. ✔ Reduces the risk of missing EMI deadlines. ✔ Keeps your credit score intact.

Ensure that your bank account always has sufficient funds before the EMI due date to prevent auto-debit failures.

9. Avoid Taking Additional Debt During Repayment

Taking new loans while repaying your existing personal loan can increase financial pressure.

Why Avoid Multiple Loans?

✘ Increases monthly debt obligations. ✘ Affects your Debt-to-Income (DTI) ratio, reducing future loan eligibility. ✘ May result in higher interest rates on future borrowings.

Instead of taking on new loans, focus on repaying your current personal loan before considering new financial commitments.

10. Track Your Loan Repayment Progress Regularly

Monitor your loan repayment progress to ensure you are on track.

How to Track Loan Repayment:

✔ Check your loan statement regularly to see outstanding balance and interest paid. ✔ Use a loan EMI calculator to estimate prepayment benefits. ✔ Contact your lender to understand any modifications or restructuring options.

Tracking your progress helps you stay motivated and make adjustments to your financial plan if needed.

Final Thoughts: Stay Disciplined for a Debt-Free Future

Repaying your personal loan doesn’t have to be overwhelming. By creating a structured financial plan, you can:

✔ Make timely EMI payments. ✔ Reduce total interest costs. ✔ Improve your credit score. ✔ Become debt-free faster.

Following the above strategies will help you manage your personal loan repayment efficiently and achieve long-term financial stability.

[britneyshakespeare]

you know someday i'm gonna feel so good when i have my student loans paid off

that ain't gonna be soon, trust me, but i think about it

[prozach27]

.

[cappurrccino]

nothing makes me want to start a riot quite like doing student loan exit counseling and seeing all the different ways they're going to fuck me over because i can't immediately repay all $12k the exact instant i'm no longer in school

[we-re-always-alright]

any time I see people tying minor world events to economics I’m like. that’s not how economics works. I know you want it to be how it works so you can blame someone. but that’s not how it works in any country or global economy.

[aiam-maianaise]

Actually I’m gonna go more in depth here. Tags were before I wrote this part.

Even with a basic savings account, the 10million will quickly outsize what the 1k a day is capable of.

1k a day, may as many have said, reach 10million in 27 years.

But the 10million in those 27 years, even from just basic interest, could reach a lot more.

Like this:

I’ll put the interest rate at 3%. Modest conpared to some, but reasonable. It’ll partially account for how interest rates fluctuate form high at 5 to 6% to lows of 1%

Lets say you spend 1 million to get a house, pay off loans, decrease your weekly expenses.

9 million stowed away for interest.

After 1 year, 9 million becomes 9 270 000 (increased by 270 000)

The second year, that becomes 9 548 100 (278 100 increase)

Third year: 9 834 543 (286 443 increase)

Fourth Year: 10 129 579 (295 036.29 increase. Im lazy and ifnrinf the .29 tho)

At least point you have officially recouped the money you spent paying off loans/buying a house or using as simple spending money.

Fifth year: 10 433 466 (303 887 increase)

Sixth Year: 10 746 469 (313 003 increase)

Seventh Year: 11 068 863 (322 394 increase)

Eighth Year: 11 400 928 (332 065)

Ninth Year: 11 742 955 (342 027)

Tenth Year: 12 125 243 (352 288)

Eleventh Year: 12 489 000 (363 757)

And after 11 years the interest alone almost matches the amount you get each year from the 1k a day.

And with each year the bench mark to match the lump sum amount shifts ever farther.

(By 27 years, the lump sum person with a modest interest rate of 3% could potentially have gotten to 20 041 171$. Double the original sum, and double the ‘goal post’)

All this is with a more reserved interest rate. If you had a higher interest rate or were actively investing, this would be rather different. A 5% interest rate would’ve matched and surpassed the rate of 1k a day in the first year at 450 000 a year (not accountjng tax on the interest) even a 4% on 9 million puts you just under at 360 000 per year, meaning the bery next year youve surpassed it.

Additionally, if you are still working a job, you likely have saved additional money due to not having to pay off loans/pay rent or other stuff. Obviously i habe not accounted for that variable.

Any bad marhs is cause a) its 8 am and i havnet slept wheee (also probably did this a harder way than i needed to)

And also maube just me funbling them keys and numbers fjjfjf.

Explain your reasoning plzzz

[dailyfinancial]

Dreaming of a Home? How to Save ₹20 Lakh for Your Dream Home Without Sacrificing Your Lifestyle

“Dreaming of a home in India? Discover how a savings plan can make it possible! Learn expert tips, government schemes, and smart strategies to save for your dream home in 2023. Start your journey to homeownership today with our step-by-step guide!” Homeownership has always held a special place in Indian culture. It’s not just about having a roof over your head—it’s about creating a legacy for…

[investingdrone]

What Is Cup Loan Program 2024 | Requirements | How To Apply

Have you heard of Cup Loan Program? They’re a type of loan that might be a good option if your credit score isn’t perfect or you need a smaller amount of cash. In this article, we’ll break down everything you need to know about Cup Loans, cup loan requirements, cup loan reviews, from what they are to how to apply. We’ll also answer the all-important question: could a Cup Loan be the right fit for…

[midniqhtt]

sebastian sallow

masterlist • hogwarts legacy • 11/22/24

˚‧⁺ ･ ˖ · ୨ৎ recs

𑣲 never forget I @zevrra

where sebastian is actually worried about MC and regrets casting crucio on them

𑣲 caught in the rain I @/zevrra

you and sebastian seek shelter inside an abandoned home where every feeling is laid to bare.

𑣲 truth or dare I @ppomumgranatum

Truths emerged and friendships were tested as you found yourself confronting two years' worth of suppressed feelings towards Sebastian. Drunk.

𑣲 the dance of love’s sweet potion I @/ppomumgranatum

When a potion meant to repel backfired, it became a mishap that turned your world upside down.

𑣲 marry me I @theealbatross

The 3 times Sebastian thought about marrying you and the 1 time he asked.

𑣲 fight the alchemy I @/theealbatross

Garreth asks why Sebastian isn’t dating you. Sebastian spirals.

𑣲 i love you, it’s ruining my life I @/theealbatross

Sebastian has the worst insomnia known to man and you are not dating him.

𑣲 never not been mine I @/theealbatross

Everyone wonders if you and Sebastian are together. Sebastian wonders when will everyone mind their own business.

𑣲 fever (what a lovely way to burn) I @shadowtriovibes

"since you saved Sebastian from Azkaban, he has met you in the common room every morning and you have gone to breakfast together. One morning he isn't there so you go to his room looking for him to find him in bed, poorly.”

𑣲 request I @/shadowtriovibes

Eric Northcott is relentlessly pursuing you, so Sebastian offers to act as your heroic boyfriend to get him off your back

𑣲 break a sweat part 2 part 3 part 4 I @/shadowtriovibes

sebastian makes the house quidditch team after training all summer. before his first match, you let him talk you into a bet over its outcome that will in all likelihood ruin your friendship. (merlin, you sure hope it does.)

𑣲 mind if i move in closer? I @/shadowtriovibes

𑣲 it’s a sign of the times part 2 I @/shadowtriovibes

Rivals-to-lovers Sebastian and MC use a Time-Turner to travel to the future with Ominis in search for a cure for Anne. Instead they find a girl who's the spitting image of MC trying to sneak into the Restricted Section in the 1910s, only she has freckles like Sebastian

𑣲 fissured composure I @anto-pops

After watching you hold your own against a handsy classmate, Sebastian is feeling particularly needy and steals you away to the Undercroft to show you just how worked up your right hook got him.

𑣲 possessive touch I @/anto-pops

Sebastian has never been the sharing sort. He was happy to loan people notes or quills, maybe even the occasional book from the Restricted Section. But not you. Never you.

𑣲 sudsy confessions I @/anto-pops

Sebastian confessing his long-harbored love for you while you’re naked in a bathtub.

𑣲 request I @/anto-pops

𑣲 unspoken attraction I @arthenaa

The girls and you have a talk on who they'll date amongst the students in Hogwarts. No one mentions Sebastian despite being deemed the most handsome in your year. You wonder why?

𑣲 jealously, jealousy I @awkwardauthorwrites

𑣲 i think he knows I @/awkwardauthorwrites

Sebastian helps Y/N with an interesting request

𑣲 violets and verbena I @/awkwardauthorwrites

Two years have passed since the events in Hogwarts Legacy, in which Y/N has drifted away from Sebastian. What happens when she has to spend some time in the hospital wing and he comes to visit?

𑣲 in the middle part 2 I @/awkwardauthorwrites

After a few months of knowing the reader the boys suddenly realise one day they are falling in love with the reader and start to become a bit bitter towards each other and very jealous if another guy gives her attention.

𑣲 wildest dreams part 2 part 3 I @/awkwardauthorwrites

Ten years have passed since the events of Hogwarts Legacy and Y/N is invited back as part of a reunion to celebrate.

𑣲 diesel is desire I @wttcsms

sebastian sallow is a good friend. so good, in fact, that when you find yourself under the ungodly influence of a lust potion, he's willing to help give you some relief.

𑣲 trust fall I @fairytalesandlegacies

Sebastian Sallow teaches you how to fight against the Imperius Curse late one night, and in the process, some long-kept secrets are revealed.

𑣲 i need you I @ravenelyx

Sebastian has different ways of dealing with being hurt. One of them is burying his face in your chest while you cuddle him

𑣲 who do you smell? I @roarieluz

Sebastian Sallow has had a crush on Y/N for a while now, this isn't news to him but when a strong batch of amortentia is made for potions class it is hard to keep his mind clear of anything that isn't about you and what he wants to do to you.

𑣲 the night shift part 2 part 3 part 4 part 5 I @writing-intheundercroft

You're the lead healer in the St. Mungo's intensive care unit, and a painfully familiar face ends up in your ward.

𑣲 a long time coming I @undergaunts

aka three times Sebastian is a flirt, one time he gets called out on it, and one time he finally does something about it.

𑣲 pining in potions class I @festivalsofmargot

Sebastian Sallow is forming a huge crush on you, and it’s hitting him all at once in a very annoying way. Something as simple as not being partnered with you in potions class eats away at him.

𑣲 pretty thoughts part 2 I @/festivalsofmargot

Sebastian is down bad for you, my dear reader. But a lot of overthinking on your part makes you blind to it. So, his only option is to keep chasing after you.

𑣲 a worrisome box of chocolates I @matchavellichor

𑣲 you look better in green part 2 I @fierymiasma

In which Sebastian sees the new transfer student wearing someone else’s scarf and proceeds to absolutely lose it.

𑣲 snow, scarves, and schemes I @spaceyaceface

Y/N is sick of Leander Prewett trying to court her. Luckily, she has a best friend named Sebastian Sallow who would love to help put an end to it. They devise a plan to pretend to court up until the Yule Ball. Should be simple, right? If only. 

𑣲 the one who stayed I @talesofesther

For a moment, Sebastian thought he lost you, and now the guilt for what happened is eating away at him.

𑣲 the winner takes all I @justauthoring

in which, leander prewett is a prick and sebastian shows him not mess with his girl.

𑣲 bludgered I @slytherizz

Sebastian never really knew what his friend saw in Isaac Cooper but he never questioned it - he made his friend happy. That is until a Quidditch match goes quickly awry and he realises his feelings for her may go far deeper than simple friendship.

𑣲 between the two of you I @cuffmeinblack

Rewriting of the events of the Shadow of the Study/Discovery quests.

𑣲 i crumble completely (when you cry) I @atlabeth

there's only one way to get into salazar slytherin's scriptorium.

[batboyblog]

Things Biden and the Democrats did, this week #13

April 5-12 2024

President Biden announced the cancellation of a student loan debt for a further 277,000 Americans. This brings the number of a Americans who had their debt canceled by the Biden administration through different means since the Supreme Court struck down Biden's first place in 2023 to 4.3 million and a total of $153 billion of debt canceled so far. Most of these borrowers were a part of the President's SAVE Plan, a debt repayment program with 8 million enrollees, over 4 million of whom don't have to make monthly repayments and are still on the path to debt forgiveness.

President Biden announced a plan that would cancel student loan debt for 4 million borrowers and bring debt relief to 30 million Americans The plan takes steps like making automatic debt forgiveness through the public service forgiveness so qualified borrowers who don't know to apply will have their debts forgiven. The plan will wipe out the interest on the debt of 23 million Americans. President Biden touted how the plan will help black and Latino borrowers the most who carry the heavily debt burdens. The plan is expected to go into effect this fall ahead of the election.

President Biden and Vice-President Harris announced the closing of the so-called gun show loophole. For years people selling guns outside of traditional stores, such as at gun shows and in the 21st century over the internet have not been required to preform a background check to see if buyers are legally allowed to own a fire arm. Now all sellers of guns, even over the internet, are required to be licensed and preform a background check. This is the largest single expansion of the background check system since its creation.

The EPA published the first ever regulations on PFAS, known as forever chemicals, in drinking water. The new rules would reduce PFAS exposure for 100 million people according to the EPA. The Biden Administration announced along side the EPA regulations it would make available $1 billion dollars for state and local water treatment to help test for and filter out PFAS in line with the new rule. This marks the first time since 1996 that the EPA has passed a drinking water rule for new contaminants.

The Department of Commerce announced a deal with microchip giant TSMC to bring billions in investment and manufacturing to Arizona. The US makes only about 10% of the world's microchips and none of the most advanced chips. Under the CHIPS and Science Act the Biden Administration hopes to expand America's high-tech manufacturing so that 20% of advanced chips are made in America. TSMC makes about 90% of the world's advanced chips. The deal which sees a $6.6 billion dollar grant from the US government in exchange for $65 billion worth of investment by TSMC in 3 high tech manufacturing facilities in Arizona, the first of which will open next year. This represents the single largest foreign investment in Arizona's history and will bring thousands of new jobs to the state and boost America's microchip manufacturing.

The EPA finalized rules strengthening clean air standards around chemical plants. The new rule will lower the risk of cancer in communities near chemical plants by 96% and eliminate 6,200 tons of toxic air pollution each year. The rules target two dangerous cancer causing chemicals, ethylene oxide and chloroprene, the rule will reduce emissions of these chemicals by 80%.

the Department of the Interior announced it had beaten the Biden Administration goals when it comes to new clean energy projects. The Department has now permitted more than 25 gigawatts of clean energy projects on public lands, surpass the Administrations goal for 2025 already. These solar, wind, and hydro projects will power 12 million American homes with totally green power. Currently 10 gigawatts of clean energy are currently being generated on public lands, powering more than 5 million homes across the West. 

The Department of Transportation announced $830 million to support local communities in becoming more climate resilient. The money will go to 80 projects across 37 states, DC, and the US Virgin Islands The projects will help local Infrastructure better stand up to extreme weather causes by climate change.

The Senate confirmed Susan Bazis, Robert White, and Ann Marie McIff Allen to lifetime federal judgeships in Nebraska, Michigan, and Utah respectively. This brings the total number of judges appointed by President Biden to 193

[fincrif]

Can You Get a Personal Loan with a Step-Up EMI Plan?

A personal loan is a great financial tool that provides quick access to funds for various needs, including medical emergencies, home renovations, education, and travel. However, managing loan repayments can sometimes be challenging, especially if your income is expected to increase in the future.

This is where a Step-Up EMI Plan comes into play. A Step-Up EMI (Equated Monthly Installment) Plan is designed to make loan repayments more manageable by allowing borrowers to start with low EMIs and gradually increase them over time. But can you get a personal loan with this repayment option? Let’s explore how it works, its benefits, and whether it is the right choice for you.

1. What Is a Step-Up EMI Plan?

A Step-Up EMI Plan is a structured loan repayment method where EMIs start low and increase periodically throughout the loan tenure. This type of repayment plan is beneficial for individuals who expect their income to rise over time, such as young professionals, business owners, or salaried employees due for promotions.

How Does It Work?

The borrower initially pays a lower EMI for a certain period.

Over time, the EMI amount gradually increases based on a pre-defined schedule.

The loan tenure remains fixed, but the repayment burden aligns with the borrower's growing income.

This plan makes personal loan repayment more flexible and helps borrowers manage their finances efficiently.

2. Can You Get a Personal Loan with a Step-Up EMI Plan?

Yes, several banks and Non-Banking Financial Companies (NBFCs) offer personal loans with Step-Up EMI Plans. However, the availability depends on:

Lender policies – Not all banks offer this facility for personal loans.

Borrower’s creditworthiness – A strong credit score and income stability increase eligibility.

Loan tenure and amount – Step-Up EMI Plans are more common for long-term loans.

Before applying, it’s crucial to check whether your lender provides Step-Up EMI options for personal loans and understand the specific terms and conditions.

3. Benefits of Choosing a Step-Up EMI Plan for a Personal Loan

A Step-Up EMI Plan can be a strategic choice for borrowers with increasing income potential. Here are some key benefits:

A. Lower Initial EMIs Reduce Financial Stress

Borrowers can start with lower EMIs, making loan repayment affordable in the initial stages.

This is particularly beneficial for young professionals or new business owners with limited income at the start.

B. Helps Manage Cash Flow Efficiently

Low initial EMIs allow borrowers to allocate funds toward other financial goals.

As income increases, borrowers can handle higher EMIs comfortably without financial strain.

C. Improves Loan Affordability

Step-Up EMI Plans allow borrowers to qualify for a higher loan amount since lenders consider the future increase in income.

This is ideal for borrowers looking to finance big-ticket expenses.

D. Reduces Overall Interest Outflow

Since EMIs increase over time, the principal repayment accelerates, reducing the total interest paid.

Faster principal repayment means lower outstanding loan balance, leading to interest savings.

E. Boosts Credit Score

Regular and timely EMI payments build a positive credit history.

A strong credit score enhances eligibility for future loans at better interest rates.

4. Eligibility Criteria for a Step-Up EMI Personal Loan

To qualify for a personal loan with a Step-Up EMI Plan, borrowers must meet certain eligibility requirements:

A. Credit Score Requirement

A minimum credit score of 750 is preferred by most lenders.

A high score increases approval chances and helps secure better interest rates.

B. Stable Income Source

Salaried employees should have a stable job with a reputed company.

Self-employed individuals must show a consistent income flow with valid financial documents.

C. Age Criteria

Applicants typically need to be between 21 and 60 years old.

Younger professionals with strong future earning potential are more likely to get approval.

D. Debt-to-Income Ratio (DTI)

Lenders assess existing liabilities to ensure borrowers can handle the increasing EMIs.

A lower DTI ratio (below 40%) improves loan approval chances.

5. How to Apply for a Step-Up EMI Personal Loan?

If you meet the eligibility requirements, you can follow these steps to apply for a Step-Up EMI personal loan:

Step 1: Research Lenders Offering Step-Up EMI Plans

Compare interest rates, loan terms, and eligibility criteria.

Check if the lender explicitly offers Step-Up EMI options for personal loans.

Step 2: Calculate EMI Using an Online EMI Calculator

Use a Step-Up EMI Calculator to determine the initial EMI, periodic increase, and final EMI.

Ensure the repayment schedule aligns with your expected income growth.

Step 3: Gather Required Documents

Most lenders require the following documents:

Identity Proof: Aadhaar Card, PAN Card, Passport, or Voter ID.

Address Proof: Utility bill, rental agreement, or passport.

Income Proof: Salary slips (for salaried) or income tax returns (for self-employed).

Bank Statements: Last 3 to 6 months' statements to assess financial stability.

Step 4: Submit Application Online or Offline

Visit the lender’s website or branch to apply.

Fill in the application form, upload documents, and wait for approval.

Step 5: Loan Approval and Disbursement

If approved, the loan amount is credited directly to your bank account.

Ensure you understand the repayment schedule and interest calculations.

6. Things to Consider Before Choosing a Step-Up EMI Plan

While a Step-Up EMI Plan offers several benefits, it's essential to evaluate whether it suits your financial situation. Here are some factors to consider:

A. Can You Handle the Increasing EMIs?

Ensure that your income growth matches the EMI hikes.

If income remains stagnant, higher EMIs in later years could become a burden.

B. Compare with Regular EMI Plans

Check if a standard EMI plan with a lower interest rate is more cost-effective.

In some cases, lenders may charge higher interest rates for Step-Up EMI Plans.

C. Understand the Interest Calculation

Some lenders back-load interest payments, meaning the initial EMIs primarily cover interest rather than the principal.

Always ask for a detailed loan amortization schedule before signing the agreement.

D. Check for Prepayment or Foreclosure Charges

If you plan to prepay or foreclose the loan early, check if the lender charges penalties.

Some lenders offer zero prepayment charges after a certain period.

Conclusion

A Step-Up EMI Plan for a personal loan is a smart choice for borrowers expecting a steady rise in income over time. It provides financial flexibility, making initial repayments easier while allowing for higher EMIs later.

However, it’s essential to compare lenders, assess future income stability, and understand the total interest cost before choosing this repayment plan.

If managed well, a Step-Up EMI personal loan can help you achieve your financial goals without straining your current budget. Always evaluate your repayment capability and choose a plan that aligns with your financial growth and stability.

[theambitiouswoman]

Basic Financial Rules To Live By 💰✨

Create a plan that shows how much money you get and how much you spend. This helps you see where your money goes.

Set aside a part of your money as savings. Try to save at least 10-20% of what you earn.

Be careful with borrowing money, especially if you have to pay back a lot of extra money (interest).

Save some money for unexpected things like medical bills or losing your job. Aim to have enough to cover your living costs for a few months.

Put your saved money into different things that can make it grow, like stocks or real estate. Be patient, as it takes time.

Don't spend more money than you make. Stick to buying what you really need, not just what you want.

Decide what you want to do with your money, both in the short term (like a vacation) and long term (like retirement).

Set up automatic transfers to your savings and bills so you don't forget to save or pay your bills on time.

Make saving money a top priority before spending on other things.

Regularly look at your money situation, adjust your plan as needed, and see how your investments are doing.

Pay your bills on time and use credit wisely (like credit cards) to keep a good credit score, which can help you get better deals on loans.

Save money for when you're older and don't work anymore. Use retirement accounts to help with this.

Think before you buy things. Don't buy something just because you want it; think if it's necessary.

Keep learning about how money works and how to make smart money choices.

Only use your emergency fund for real unexpected problems, not for things you just want to buy.

[ereh-emanresu-tresni]

holy shit

holy fuck

last year's tax refund finally cAME LMFAO nICE only took them 13 months but it is now at long last officially in my account :)

[gremlingottoosilly]

Hello, would readers husband ever come back to pay the debt or would he just leave her mafia könig's hands ( if he's asking for his money anymore that's fine!)

Our husband might be an asshole, but he isn't a huge asshole...he doesn't want to leave his wife in the hands of Konig and be a cuck champ, obviously! He was fully expecting you to be tortured when he returns, to be turned into a steak and feed to the dogs or made up to be a whore in the fine establishment for rich and famous of Vienna - he was ready to save you, with newly aquired money from a lone shark somewhere in Poland, and he was ready to be the hero of the day... He sees you, his shy and pretty wife, sitting on Konig's lap with your face nuzzled into his chest. It was an almost innocent picture - but then he can see the slight shaking in your thighs, a big hand fondling your leg and getting under your dress...you never cockwarmed him - you were never that kinky in bed, always opting for laying on your back and vaguelly staring at the ceiling. But you whimper on the lap of your kidnapper, of the most dangerous guy in the whole country. Konig has a hand with pistol rested on your thigh, but you don't even care - your breathes sound like a pure bliss, like you wanted to be here. Oh, but Konig is pissed. Not only your loser of a husband returned with money - just enough to pay off the interest of his loan - but he managed to barge into the office while he was pleasing himself with his new favorite girl. You're adorable, shy and sensitive - even when you like sex, you would always act innocent, so he loves to take you in public, to make everyone know that he fucking owns you...but with your husband in the picture, he might actually ruin the perfect fantasy. It's like a curtain was taken off from your face - you're shoked when you see him, relieved, a bit scared for his life...poor thing, you have no idea of what to do - you just want him close, and you almost scramble from Konig's lap to go and greet your husband...but you're stopped dead in your tracks. Of course, how could you forget who really owns you now. Even if your husband tries to take you back, he'd be lucky if he would just be thrown off the premises and not killed outright. Konig is already doing the needed marital proceedes to make you his in the face of the law - and he won't tolerate any wedding destroyers.

[youraverageaemondsimp]

“Be Quiet.” // DILF!Aemond Targaryen x Babysitter!Reader // PART ONE.

THANK YOU SO MUCH FOR 500 FOLLOWERS! (+200 now) so here is the awaited fic, celebrating a milestone <3 based on this poll, dilf aemond won at the end haha 💞

MDNI

WARNINGS: unprotected p in v sex, dubcon(?), oral (both f and m.), blowjob, cum eating, cum play(?), breeding kink, multiple orgasms, age gap (9ish years), DILF aemond, single father aemond, power imbalance(?), throat fucking, cunnilingus, lots and lots of kissing, + not proofread

WC: 7.1k (yeah...)

« part two // 🎄 special »

Getting fired from your job while trying to pay rent and gathering tuition fees isn't exactly ideal, you wanted to pursue a bachelor's degree after high school, but you didn't have enough money, coming from a family that was barely held by, nor were you eligible to apply for student because there were legal issues.

You moved out of your parents not wanting to financially burden them anymore, renting a decent apartment with just enough space for you to call it a 'home' you've been working for the past 2 years, a decent paying job but it was enough to get by and save up on the fees too, everything seemed to be going perfect until you suddenly got fired and your landlord decided to increase the rent.

You knew you'd have to cut into your savings to pay rent now, but you didn't want that, you halfway there to your goal, you were expected to get promoted and get higher pay, you calculated it, that it would only take one more year for you get enough amount to pay for the first few sems, and then maybe you'll be able to apply for a student loan by then.

But fate had different plans, and here you were on your couch scrolling through multiple apps to find any type of job, extremely desperate.

And that's when you saw it.

“Babysitter needed.” you thought how perfect of a job it would be considering the degree you wanted to so badly was based in psychology, child psychology specifically, and interacting with kids will probably give you some type of experience?

You quickly clicked on it and found the contact number, and decided to call it, you bit your lips nervously hoping they'd pick up.

“Hello?” you heard a cool voice say which sent shivers down your spine.

“Hello- yes uhm, Hi! I am calling because I saw the post on the app that said you needed a babysitter for hire?” you stumble over your words and mentally facepalm yourself for it.

“Yes, indeed. Are you interested in applying?” he asks and you quickly reply with a yes.

“Do you have any prior experience?” he asks and you reply with a quick yes, you've babysat a few kids throughout your highschool era for quick cash, as a way to not rely on your parents for menial things.

“Mhm alright, I don't want to bring your hopes up by saying you got a job, I'd like to have a personal interview first, if you do not mind.” he says and you say, thanking him and he hangs up the call.

You were fucking shaking.

It felt like applying for the first job of your life all again, the nervousness, the anxiety, the everything.

Aemond had saved your phone number and sent it to his assistant, Floris, asking her to run a background check on you, and to see if you had any criminal background, he read your name on the file that got delivered to him, sipping on his coffee while he scanned through your details.

You just turned 21, recently.

‘So young’ he thought, ‘Let me guess, she's probably looking for jobs in order to afford education.’ he guessed and he was exactly on the money with that one.

He wasn't that old himself, barely 30

He inherited his father's business at just age 23, being the only one capable of handling such pressure, his elder siblings couldn't stand a chance against him, and since then, he's maintained the Targaryen name perfectly.

He remembers falling in love with a woman older than him, he was 24, she attended one of the business parties he dreaded going to, Alys rivers was her name, they dated for 2 years before deciding to pace things up and get engaged since everything was going perfect for both of them.

Until Alys got pregnant, Aemond was overjoyed when he heard that news, but he didn't know that the child would suck the life out of her.

She died giving birth to their son, and he was devastated, being heart broken by her death, however he never once blamed his child, it was their choice to birth him, and it failed miserably.

But 3 years had passed since her death and he had moved on from her death, ready to love once again, yet it was extremely hard to find someone that wasn't after his money.

He knew he couldn't just live in the misery of heartbreak, and Alys would've wanted him to move on too.

His son, Aenys, recently turned 3 too, he inherited Aemond's purple eyes and silver blonde hair, typical targ features, but he saw how the softness of his nose, sharpness of his eyes resembled his mother.

But back to you at hand, he went through all your papers deeming you fit for the interview, he called a day later telling you the address where the interview would be held, his office.

Yes, his fucking office, as if you were applying for a job at his company, he justified it by saying that you were technically his employee.

When you got out of the taxi and looked at the company in front of you, it finally clicked in your brain that your employee was none other than Aemond Targaryen, and it only made your anxiety worse.

You went to the receptionist and told her your name, and she typed it in, giving you a small smile, telling you that you were exactly on time. She called his office to tell you that you were here and led you to his office. You looked around and noticed how big this company was, a bunch of employees working in their cubicles, typing away.

“Mr. Targaryen?” she called out and you heard a small ‘come in.’ Before stepping inside and pushing the door open for you to enter, you did and she stepped outside, closing it gently behind you, leaving you alone in the room with the man.

Aemond hadn't looked up from his files until the door closed, and when he did, he felt his breath caught in his throat.

“You may sit.” he says and you nod, sitting across him on the opposite side of the table, you felt so small under his gaze, it was so intimidating but you put up with it.

He began the interview by asking questions about yourself, and all relevant things, but there was one question that caught you off guard.

“Do you have a boyfriend?” he asks and you furrow your brows, “Excuse me?” you question, noticing how odd of a question it is.

“Don't get me wrong, the previous babysitter had one, and she used to bring him to the apartment and…” he cleared his throat and you immediately caught on to what he was implying, “Oh! No! I do not have one, and even if I did I would not do that!” you reassure him and he gives you a nod.

He was fucking lying.

But you didn't know that.

The previous babysitter was an old lady, who Aenys liked a lot, but sadly she had to leave the city.

“I hope you know that you're expected to work full time? I leave for the office at 9AM and return back at 7PM, and you'll need to be ready to work those long hours, and sometimes I might not even return till late at night if there is extra work.” he says and you nod, and before the question can leave your mouth he cuts you off.

“Do not worry, you'll be paid for those extra hours.” he confirms and you nod smiling at him.

And then came your terms, which he agreed to, he made you sign a one year contract, and you did it without hesitation.

Frankly the pay was so high you would barely need to work 6 months to reach the full amount, but you still did an extra 6 months considering how having extra money at hand doesn't hurt.

And with a handshake, he accepted you.

You were practically going to spend most of your awake time with the kid, it sounds hectic but the pay was too good to pass up on, I mean, $80 per hour? fuck yes, you'd be having around $230k by the end of the contract. Aemond was filthy rich.

It was finally your day to go to his house and you already knew it was going to be big, but you were still shocked when you arrived to the destination, it was a 20 minute drive from your house, and it was located in the richest neighbourhood to exist in the city, you felt embarrassed getting out of your taxi at an area where everyone probably had their own cars, heck, a collection of them even, but you paid the fare and the guard got up to question you, you told him and he quickly nodded before letting you inside.

It was early in the morning, you came quickly so Aemond could show you around the house and introduce you to his kid, you stood there nervously as you rang the doorbell, Aemond had checked through the security camera before the door opened, revealing the house interior.

You quickly stepped in and he closed the door behind you. You expected him to have maids and a bunch of staff, but you were surprised when you found none. No wonder he asked if you can cook, you'd probably be doing all the work here besides the cleaning.

“Aenys is in his playroom, let me take you there.” he says cooly and you follow him, taking in your surroundings.

He opens the door to the playroom and you immediately find a kid, who you assumed to be older than 2, playing with his dragon toys, making rawr sounds, and yelling the word ‘dracarys.’ you smiled at the cuteness.

Aemond cleared his throat which caught the attention of Aenys and he smiled brightly before he jumped in his arms, “Papa!” he yelled, before he turned his attention to you and looked at his father in question

“Hey aeny, do you know how the previous babysitter had to leave town?” he asks gently and Aenys nods, “And papa needs to be away for work top right? So I got you a new babysitter who will take care of you.” he points towards you, explaining and Aenys looks at you tilting his head slightly

“Hey, Aenys.” you give him a small, waving your hand, he shyly waves back before he hides his face his fathers chest, you chuckle at the cuteness.

“I'll go give her a house tour okay? And then I will visit you once again before I leave, have fun darling.” He says and puts his son down, and Aenys looks at you once again, inspecting you, observing you, you smile at him once again, and this time he gives you a shy smile.

Aemond leaves the room and you wave a quick temporary goodbye to Aenys and follow him.

“Aenys, doesn't have a mother, or at least he had to grow up without one” Aemond randomly begins and you look at him confused. “My fiancee-” he sighs before halting his footsteps, “She- she had died while giving birth to him.” you watch as he takes deep breaths, “It's okay if you don't want to talk about it now, we have a lot of time anyway, just open up to me when you are ready, sir.” you tell him and he looks at you, giving you a nod and resumes the house tour.

It was fucking big.

Just like he said, he visited his son once more before leaving for work and the entire day you spent it with Aenys, getting to know him, observing his behaviour.

You noted that he was extremely shy at first but then he eventually warmed up to you, he still had his guard up of course since you were fairly new and a stranger in his life, you introduced yourself and he did the same.

He showed you all his toy collections, which you were genuinely fascinated by, he had so many dragon figurines and remembered each one by their name, his favourite was vhagar.

“It waass papa's once, when he was jus like mee.” he babbled cutely, the way he pronounced the words were so cute too, you swear you could die at it.

“Vhagar belonged to your papa?” you felt awkward saying the word papa, but you knew you had to considering that it was the term Aenys was used to, he nodded, smiling.

“Yesh! He gwave it to meh.” he says and you smile.

Aenys had quite a developed vocabulary for his age, though he pronunciation was a bit off, but you knew it would improve with time.

And just like that, you and Aenys grew close, he was always cheery to see you, you cooked and looked after him, feeding him vegetables in a way he would enjoy, and Aemond was surprised when he found out, considering Aenys refused to eat vegetables.

You put Aenys to sleep one day, singing him a lullaby and caressing his hair as he fell asleep in his bed, he watched you with big doe eyes, which were slowly beginning to get droopy as sleep overcame him. He closed his eyes and his brows were relaxed. You sat there for a while, watching him sleep, and you look at the time, 8PM, Aemond was running late, but you didn't mind, by the time he usually fell asleep, Aemond would've been there, listening to you sing to his son and when he finally fell asleep, you would leave, politely saying goodbye to Aemond, but this time you had stayed, since Aemond was late.

You noticed how Aenys eyebrows furrowed before you saw tears coat his eyelashes

“Mam… mama… I want mama...” he mumbled in his sleep and you swear you felt your heart wrench at that, then you heard small sniffles.

He was crying in his sleep.

Is this what usually happens after you leave? You felt extremely sad, you remember how Aemond had told you that Aenys grew up without a mother, how she had died during childbirth. You never really thought about it much but you realised how tough it must've been for Aenys, then suddenly you remembered all the times you played together or watched cartoons, how he would say the word "mother" longingly when he was referring to a mom dragon, or how he stared in a daze when a cartoon showed a mom taking care of his child.

He was beginning to notice an absence of a parental figure in his life.

You were snapped out of your thoughts by the sniffling getting louder, and Aenys was beginning to borderline cry out, you quickly picked him up and carried him, pacing around the room gently as you patted his back, his hand clung tightly onto the sleeve of your arm and he rested his cheek on your shoulder.

“Shhh, Aenys, it's okay.” you try consoling him but he kept repeating the words 'I want mama, mama.' in his sleep over and over again.

Not knowing what to do, you began to feel bad, so you did what you thought was the best.

“Aenys, Mama is here, it's okay hush now..” you coo gently into his ear and that's when he finally stops sniffling, 'mama?' he mumbles and you hum, “Yes, it's mama, do not cry anymore okay? Mama is here.” you caress his hair and he finally relaxes, you were so entranced in comforting him that your brain managed to ignore the presence of Aemond himself, who had arrived when you picked him up and paced around in a panic, he was going to interfere but then he heard you say those words.

You stopped dead in your tracks when you noticed him, heat climbing up your face as you realised he probably heard everything and also you were stricken with fear too cause you likely overstepped.

You gently placed Aenys down on the bed and got out of his room, anxiety coursing through your veins as you realised what you had done

But you were only trying to comfort him.

Aemond soon followed you out the room as well and you turned around to face him when he closed the door.

“I apologize— I'm so sorry—” you began.

“Don't. It's fine, I can understand why you did that.” he cuts you off, and you wince.

“He- he's been noticing.” you began and Aemond nodded, “I've noticed too.” he replies and sighs.

“Aenys has changed a lot since you've started babysitting him in a good way , and I've noticed it, he's becoming more and more aware of the world around him.” He moves to the living room, sitting on the couch and you do the same, sitting on the one opposite to him.

“I've made sure that he never felt a lack of anything in his life, but I guess it's only natural for a person to desire something he can't have.” he says.

“Aenys can have a mother, if you remarry, that void will be fulfilled somewhat.” you suggest and he looks at before chuckling “I've thought of that too, my mother said the same thing, but i cannot trust anyone, especially considering how many are after my money, who knows if they'll be kind to him, or whether Aenys will like them or not.” he sighs.

“That is true.” you agree with him and he looks at you.

“Unless… ” he begins, eye scanning your entire being and you look at him, your heartbeat quickening, just as he was about to say something, your phone rings and it cuts off the trance-like state you were in, and you look at it to see who it is.

It was a spam call.

But then your eyes bulge out of your sockets when you look at the time, “Holy shit it's late, I'm sorry sir but i have to leave now, or else it will be too dangerous.” you say and quickly apologise and he nods, dismissing you. That was the first night, sleep came to Aenys peacefully.

But it didn't to Aemond, he was lost in thought about everything, but then his mind wandered off to somewhere it shouldn't go.

The way you comforted Aenys stirred something inside you, the moment was perfect, you cooing in Aenys' ear that you were here, pretending to be his mother.

It was so perfect.

Almost as if you were made for that.

Aemond felt his heart flutter.

For the first time in years.

He couldn't help but accept the pull he felt towards you.

Aenys doesn't seem to remember the incident, probably cause he was literally just sleep talking so it was left at that, but you and Aemond however grew a bit close after that incident, he came back home early as he can, so he could spend time with his son and you, he was subconsciously trying to get his son used to both of them being around, both present in his life as parental figures.

You obviously weren't able to leave early just because he got home early because those were your mandatory hours, so it became your new normal to spend time with him and Aenys.

You couldn't deny that there was something definitely blooming in between you and Aemond, he would often throw appreciative comments in your way, which made your belly pool up with heat.

You noticed how he wanted to stay by your side, physical touch lingering, he had suggested that you 3 should go grocery shopping, and you found it odd considering he could literally order his clients to fetch them for him, but you agreed anyways, using it as a chance to get outside and let Aenys interact with other people. Aemond was heavily against sending him to the daycare, because he was scared for his son, it was understandable but it also set Aenys behind a bit.

“Mama, I want this!” you hear a kid yell at his mom and you watch as she refuses it gently, telling him no and that she will buy him the next time they come back here, and the kid just pouted, you chuckled at the sight.

You turned your attention to Aenys who was staring at the scene too, and you realised how he was in a daze once again as well, you looked at Aemond who also seemed to notice.

Aenys quickly ran in another direction and you panicked and almost ran after him before he was back in front of you again, grabbing the same toy the other child had grabbed earlier and showing it to you. “Ma-” he cut himself short before pushing the toy to show you “I want this!” he says and Aemond was confused at first and he was about to agree to buy that toy for Aenys until you butted in, “No Aenys, we can't buy it right now! We'll buy it next time when we come back here okay?” you say and he smiles sheepishly at you, before pretending to pout and put the toy back in a random shelf.

You chuckled at the childishness, he just wanted to feel the same type of experience that others do. Aemond knew it was just you both playing around, he didn't miss the way Aenys almost called you his mother, and it spurred him on further, the way you acted as a genuine mother.

Those type of random moments became often, and it pushed Aemond further and further to the edge, the way you would act like such a perfect mom made him want to bend you over any surface and fuck you, filling you up with his cum.

Aemond then suddenly started joining for lunch, he would usually eat at his office, but he made extra effort to drive home so he could eat with his 'family.' He loved your cooking, you made it taste like home, he would watch as you cut smaller pieces of fruits and vegetables for Aenys so he could properly chew and eat. He imagined how perfect you would be as his wife and like an official mother to his child, or better, children, all of these small things were pushing him to the edge

And soon it would push him off it.

Aemond cursed himself when he drove through the rain, already running late, he looked at his watch and read the time, it was 10PM, the meeting in the afternoon stretched over two hours long which set back the rest of his schedule by a lot, he quickly parked his hair before making his way inside his house, open the door with the extra key carried before shutting it close.

“Look Aenys! Dada's here.” he heard you say and he was immediately spun around, he didn't expect you to stick around this long, but then he realised it was raining heavily and you always went by taxi, there probably would've been no taxi available in this weather.

“Aenys didn't go to sleep yet?” he asks, undoing the suit he was wearing before throwing it on the couch, approaching both of you, taking Aenys into his arms.

“He wanted to wait until you got home, he was worried for you, though he seems tired hmm.” you pinch his nose playfully and he scrunches it up, “I'm not twired…” he says but then yawns earning a chuckle from both you and Aemond.

“I'll put him to sleep, you go freshen up.” you say and Aemond nods, giving him back to you.

Fuck everything about that interaction felt too domestic.

And Aemond had lost his resolve.

He found you sitting on the couch, scrolling through something, he sat down next to you.

“What are you doing?” he asks and you look at him, “Trying to book cabs, but there are none available at the moment due to the weather.” you sigh before placing your phone down.

Aemond should've offered to drive you home but instead he offered to let you stay.

“You know you can stay over, I do not mind it.” he says and you look at him “Really? I don't wanna be a bother—”

“Oh please, you are never a bother.” he cuts you off and smiles at you. “You should freshen up for the night, you've been here since morning.” he says but you pout. “I do not have any clothes.” you say and he simply shrugs, “You can wear mine.” he pushes the buttons, wondering how far he can get away with it, he knew offering you to let you stay at his house already broke the employee boss relationship, hell, the moment he desired you was when it already broke.

“Mhm okay! Where is the guest bathroom?” you ask and he shakes his head, “The water heater is broken in that one, it's better if you use the attached bathroom in my room.” he says.

The water heater wasn't broken.

He was lying.

And you believed him.

He watched as you got up and made your way to his room, which was right next to Aenys', considering he has to react if something happens to him, he followed you inside opening the cupboards and giving you his hoodie and fresh pair of boxers which you thanked him for.

He left the room to give you privacy, but oh gods his mind was racing with all the thoughts.

He paced around, trying to contain himself, and he stood there in front of the door.

And then you opened it.

His hoodie reached to your thighs, and you looked at him, shocked to find him in front of the door, lips parted.

He snapped.

He quickly pushed you inside and shut the door behind you, slamming his lips against yours, and kissed you fervent hunger, you stumbled back and you almost fell but he caught you by your waist and pushed deeper into the kiss, moving his lips hungrily against your.

He pulls away, silently giving you a way out if you need it.

You should refuse this.

You should push him away.

But you don't, instead you wrap your arms around him and pull him into a deeper kiss, he groans when he feels you kiss him back, he pulls away once again, before grabbing you by your arm and pushing you onto the bed, making you fall on your back, your hoodie rising up, revealing your stomach, which he kissed lovingly before he pulled the hoodie even more further up, exposing your tits and pressing kisses to the nipples, causing you to gasp.

He pulls the hoodie off of you completely, and you raise your hands to assist him, he pulls off his shirt too, exposing his naked chest, and you bite your lip at the view, next he takes the boxes off you, doing the same, leaving you both completely bare to the room.

He pushes you upwards to the bed and crawls on top of you, kissing your face, neck, collar bones and valley between your breasts, his hands grab the flesh of your tits before he kneads them, massaging them, thumbs flicking the nipples making you arch your back.

One of his hands trails down to your core, dipping into the heat, he outright moans when he finds you practically leaking, collecting the arousal and bringing it upwards your bud. Rubbing small circles which makes you gasp.

He pulls his hand away and brings it up to lick at the wetness that has accumulated on the fingers, humming in satisfaction before he pressed kisses which travelled downwards until his mouth stopped right at your core, giving a small kiss to it to, you shivered when you felt his hot breath against it, the way the air he exhaled would hit your clit. He kissed the inner part of your thighs first, making you needy with want, wishing he'd just take you into his mouth.

And then he does, his tongue strides upwards from your opening to your clit, giving you one long lick before he captures your clit with his mouth, suckling on it, causing you moan his name loudly, both of his hands wrap around your thighs and he pulls them further apart, his fingers digging into the flesh as he hungrily devours your cunt, tongue flicking the bud constantly, you grip his hair and buck your hips, practically rutting against his face, you felt his tongue travelling down and lick at the wetness, the tip of his nose pushing against your clit, you felt your core tighten as the movement of his tongue sped up, causing you to topple over the edge and your orgasm hit you like a truck, making you whine loudly.

He greedily licked everything up before he placed wet kisses on your thighs, the residue of your wetness sticking to them before he sat back on his knees between your parted legs, you watched as he got up slightly, making his cock come into view.

Your eyes widened slightly, which didn't go unnoticed by Aemond, this stroked his ego very much.

He was big, bigger than any you've seen before, it was pale with a tip that was flushed pink due to the blood pumping, oozing precum out of it, he pumped his cock in his hand to ease the area, coating his dick in his own precum before he positioned it against your entrance, you bit your lip in anticipation but then you felt him slide against your folds, covering his dick in your wetness as well before slapping your clit with the tip of his dick, making you whimper.

He then lined himself against your entrance and pushed in, and you arched your back at the stretch, it was so delicious, you felt so full.

He leaned on top of you and gave you a passionate kiss, you could taste yourself on his tongue, making you taste the tanginess, he supported his weight on his elbows which were on either side of you, gripping yours, fingers intertwined with yours. You were locked in a missionary position, a position that felt intimate.

Then you felt him move, thrusting in and out at a brutal speed, causing you to moan his name, the thrusts made you jolt up the bed, breasts bouncing due to the force emitted from it, his grip tightening as he grunted on top of you, rutting into your wet heat, his hair dropped his shoulders, cascading around his face, and you gasped at how godly his looked like this.

Then you felt his tip hit your gspot, constantly, which caused you moan extremely loudly, “Fuckk! Ahh~ Aemond!” you mewled, closing your eyes and throwing your head back, his hand left one of yours to cover your mouth as he continuously slammed into you.

“Shh, be quiet, or he'll wake up.” he whispers, referring to Aenys who was sleeping in the next room and you nodded, you felt him pull his hand away but his thumb traced your lips, you opened your mouth which made him put his thumb inside and you sucked on him, and you felt him groan, then he pulled it out, hand going back to grip yours, and you bit your lip to hold back your moans from slipping out.

You felt your core begin to tighten again and it snapped once more, causing you to arch you back, pushing your breasts against his chest and he muttered 'fuck' feeling the way you clenched around him.

His thrusts begin to grow sloppy and lose their rhythm, indicating that he was close, “Fuckk, I'm gonna cum inside you.” he says and you whine, “I'm going to get you pregnant, watch you grow round with my kid…” he growls, thrusting into you again and again, “You're going to give Aenys little siblings, You will, right? He looked so lonely, I think he'd appreciate that.” he grunts and you nod quickly, mind too hazy to even comprehend or acknowledge the complications behind you agreeing to this.

“Good girl.” he says before he finishes inside you, and paints your walls white, shooting up his seed far into you, riding his orgasm out.

You felt him pull out and thought that was the end until he pushed you over onto your back, and sat on his knees, he grabbed your waist and pulled it up, and you immediately switched to supporting your on your knees as you arched your back, stretching like a cat, your hands on the side of you.

He groaned when he watched his cum drip down your thighs before he scooped it up and put it in his mouth, tasting your combined essence.

He was still hard.

So he wasted no time, shoving himself back inside you and you whined at the way your walls felt overstimulated, not knowing if you can handle one more orgasm consistently.

He sheathed himself inside your walls, and moved with fervent speed like before, his balls slapping against your thighs, the room was filled with erotic noises, he gripped your waist for support, until his hand travelled slightly upwards, catching one of your tits before gripping it tightly, and rolling the nipple in between his fingers.

“I can't wait to watch them swell.” he grunts.

“You'd look so pretty with my child in your belly, the way your tummy will swell? Gods fuck, that is a vision.” he moans

“Look at you, taking my cock so well, like you are meant to.” he notes, thrusting in and out, watching as the previous cum leaks out.

He clicks his tongue

“So much is going to waste, tsk, it's okay I'll fill you up again, make sure you get pregnant.” he groans and you moan, “Ye-yes fill me up.” you say, and he smirks at that, “Good girl, taking my cock like one.” he leans against you, your back pressing to his chest as he leaves kisses on the back of your neck, and you once again, topple over the edge for the third time.

He finishes too, inside you again.

You both fall besides each other on the bed, and realise the weight of the situation after the adrenaline and excitement of the moment fades away and the breathing becomes more stable.

“I- fuck.” Aemond begins not knowing what to say and you lay there quietly.

“Listen, ever since that day you walked in, I felt some type of pull towards you, I wasn't sure what it was, but it was as if we were meant to me, and I couldn't ignore the feelings brewing inside me.” you watch as he speaks.

“I- to put it in simple words, I fell in love with you. I really did, though it's fine if you do not share the same feelings, we can go back to pretending this never happened.” he confesses.

“I am in love with you too.” you confess, “I pushed these feelings away, because it wasn't appropriate.” you say and he looks at you this time.

Silence falls between you two.

A comfortable silence.

He pulls you closer and wraps his arms around you, hugging you, and you hug him back, the he places loving kisses atop you.

You felt something hard pressing against your inner thighs and you looked down, shocked to find him hard again, you chuckle.

“Again?” you tease and he playfully glares at you, “Yeah, you're so fucking irresistible.” he kisses your neck, hips mindlessly grinding against you. “I'm so sensitive.” you pout, but you get an idea, you quickly push him onto his back before getting on top of him, and then crawling down in between his legs, before taking his cock in your hand.

“Fuck!” he moans when he feels your warm hand wrap around it, before you gently tug on it, pumping your hand up and down, watching as the precum leaks out, you collect some with your tongue, poking the slight hole making him groan and grip the side of your head.

You trail kisses down to his balls, before giving them wet kisses as your hand pumps his cock, you lick a long stride up his length before taking him in your mouth, as best as you can, hands resting on his thighs to balance yourself.

You bob your head up and down, swirling the the tongue around him, pulling away time to time to breath before descending onto him once again, the grip on the side of your head tightened and you watched as he sat up slightly leaning on his elbow, before his hips thrusted upwards, and so you let him take control.

He collected your hair into a makeshift pony before gripping the back of your head tightly and thrusting his entire length into your mouth, the tip teaching the back of your throat, making you gag slightly, causing tears to well up in your eyes, you closed them and tried to breathe through your nose as he thrusted upwards and fast, essentially fucking your throat.

You felt him twitch slightly in your mouth, knowing he was close, you sucked him and hollowed your cheeks, he threw his head back at that, he felt steady pleasure rising within him before such a force expelled from his body, causing him to peak, shooting out ropes and ropes after cum into your mouth, you felt it hit the back of your throat, causing you to swallow unknowingly, before he slightly pulled out, cause the remaining to fall in your mouth.

He pulled out completely and watched your face, flushed and hair dishevelled, you held his cum in your mouth, waiting for his command, “Swallow.” and you did, obeying him, opening your mouth to show that there was none left, he groaned as he watched the remnants of his seed drip from the side of your mouth before he collected it with his index finger and shoved it back into your mouth, and you click his finger clean, he grunted before you upwards and kissing you, tasting himself in your mouth, hands squeezing your ass before he gave one of them light slaps, causing you to wince.

You pulled away and breathed heavily, he smiled down at you, before he left the bed to clean both of you up, collecting the clothes and getting dressed before he pulled beside him in the bed, going to sleep while hugging your form.

You dreaded the next morning, wondering how you'll explain your relationship to Aenys, you woke up to an empty bed, you read the time, it's was just 8AM, you felt sad but then you quickly got up and went outside finding Aemond and Aenys awake, sitting at the table conversing, your heart warmed at the sight, Aenys spotted you and ran over to you, lifting his arms up, asking you to silently to carry him, and you did, you picked him up before placing a small kiss to his forehead.

“Mama!” he said and you froze, before you looked at Aemond, who gave you a small smile and nodded and your eyes softened at it, it seems he had done the explaining.

“Mama! Mama!” Aenys grabbed your face making you look at him and you chuckled, “Yes Aenys, it's mama.” you say and he smiles brightly.

“I'll go get ready for work.” Aemond says, getting up from the spot he was sitting on and coming over to both of you before he pressed a kiss to Aenys forehead, and doing the same to you and going inside his room and getting ready.

You put Aenys down on his chair and went to the kitchen to prepare breakfast, you made simple eggs on toast, and just on the time, Aemond came out of his room, looking all ready and you placed three plates down, along with fruits cut into small pieces of Aenys.

“I made breakfast.” you say and Aemond smiles at you, before sitting down and the three of you ate breakfast.

Applying for this job was the best thing you've ever done.

Who knew your life would change the course of it in the span of just a few months.

There were other things to discuss, and you knew it was plaguing Aemond's mind as well, but you both decided it will be best if discussed later and so you both basked in this moment, listening to Aenys babbles.

“So i hwave a mom now rightt?” he asks Aemond who nods, “Are you happy?” he asks and Aenys nods quickly, “Yesh! Aenys is wery hwappy! But…” he trails off and you feel your heartbeat quicken.

“I want a sibling too…” he murmurs

Oh gods.

Your eyes flickered over to Aemond who stared at you, you blush and look away as you remembered the details of last night.

“I wwant a swister… ! or a bwother!!! Hmm any is fine…” he babbles on, not knowing what he is asking for.

You look at Aemond again, who didn't seem to take his eye off you at all.

He smirks.

Oh fuck.

You quickly get up and collect the empty plates before going behind the kitchen counter and placing them in the sink, washing your hands, focusing your attention on them, until you felt arms wrapped around your waist before one trailed upwards towards your breast giving it squeeze, you quickly looked up to see Aenys was watching until you realised he was nowhere to be seen.

“He's in his playroom.” Aemond whispered in your ear, grinding slowly against your ass.

“Heard that? He wants a sibling so badly, surely you can't deny him right?” he asks, pinching your nipples through the fabric causing you to gasp.

He places kisses down your neck, before he spins you around and kisses you on the mouth, making you wrap your arms around his shoulder. He pulls away before kissing you on the cheek.

His phone rings and he notices the time, 9:15AM, he was running late which was the first for him, and it was his assistant calling him.

“Fuck, mood spoiler.” he grunts before shoving his phone back in his pocket before placing a kiss to your mouth once again.

“Don't think I'm done with you yet, it's gonna be one hell of a ride when I get back home.” he presses one final kiss to your neck before pulling himself away from you, granted it was so fucking difficult considering how he wanted to fuck you on the kitchen counter just moments ago.

You nod and follow him to the front door.

“Have a nice day, Aemond.” you say, and he smiles at you, coming to kiss you but then Aenys comes running towards you both.

“Is dada going to work?? BYE DADAAA” he screams and Aemond chuckles, before waving a small 'bye' to Aenys, and leaving from the front door.

He barely left and he already couldn't wait to get back home from work.

And you gulped, nervous in anticipation.

Oh seven hells.

———

[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.