#Personal Finance Advice

[kc22invesmentsblog]

5 Financial Habits That Keep You Broke, and How to Break Free

[suburblocal]

Building a successful business is a significant achievement, but managing the financial rewards effectively is just as crucial. Many entrepreneurs and private practice owners find themselves caught between reinvesting in their business, maintaining their lifestyle, and securing long-term wealth.

[financial-adviser-exam]

Expert Financial Advice: A Guide to Personal Finance and Planning in Australia

Navigating the complexities of personal finance can feel overwhelming, but with the right financial advisory services, you can build a solid foundation for your financial future. This guide explores the best ways to access financial advice in Australia, whether online or in person.

Why Personal Finance Advice Matters

Effective personal financial advice empowers individuals to:

Manage day-to-day expenses.

Save for significant milestones like buying a home or retirement.

Invest wisely for long-term growth.

By consulting with professionals, you can avoid costly mistakes and create a sustainable financial strategy.

Best Sources for Financial Advice in Australia

Certified Financial Advisors: Certified advisors provide reliable and ethical guidance tailored to your financial situation. Whether it's retirement planning or wealth management, their insights are invaluable.

Financial Advisor Online: The digital age has made financial advice online more accessible than ever. Platforms offering virtual consultations or automated financial planning tools allow you to get expert help from the comfort of your home.

Independent Financial Advisory Services: Independent advisers focus on your best interests without promoting specific financial products. This ensures unbiased and comprehensive advice.

Top Tips for Personal Finance Success

Here are actionable financial tips to get started:

Set Clear Goals: Whether it's saving for a house or reducing debt, having clear objectives helps you focus your financial efforts.

Budget Effectively: Track your income and expenses to identify areas for improvement.

Invest Wisely: Diversify your portfolio to minimize risks and maximize returns.

Plan for Retirement: Start early and contribute regularly to superannuation or other retirement accounts.

Benefits of Financial Advisory Services

Choosing the right financial planning and advisory services can help you:

Develop a customized financial plan.

Access expert investment strategies.

Stay informed about changes in tax laws and economic trends.

Finance Advice Tailored to Australians

Australian regulations emphasize transparency and customer protection in the financial planning sector. This means you can trust licensed professionals to deliver the best financial advice for your needs. Platforms like ASIC’s MoneySmart provide tools to verify advisor credentials.

Online Financial Planning: A Modern Approach

In today’s fast-paced world, online tools are transforming financial planning. Features such as automated budgeting apps, robo-advisors, and virtual consultations are making it easier than ever to access personal financial advice.

Take Control of Your Finances Today

Whether you prefer in-person consultations or digital solutions, taking steps toward effective financial planning is key to securing your future. Explore trusted finance advisory services and embrace a proactive approach to financial management.

For Australians seeking reliable financial advice, the options are extensive—start today and take charge of your financial journey.

[supernattyoblog]

How to Become Rich

[freesandwichmoon-blog]

5 Compelling Reasons to Get a Capital One Walmart Credit Card Today!

Are you searching for a credit card that offers unbeatable rewards, outstanding perks, and unparalleled convenience? Look no further than the Capital One Walmart Credit Card! Here are five compelling reasons why you should get one today: Generous Rewards: With a Capital One credit card, you’ll earn rewards on every purchase you make. Whether it’s cash back, travel miles, or points towards…

[themoneysavvyblog]

6 Steps to Financial Stability

Most of us wish we were rich, but financial stability might be even more important. It’s not the inability to buy a mansion that makes people unhappy. Rather, it’s the inability to move beyond living paycheck to paycheck. If you’re not happy with your finances, it’s likely that greater financial stability will have a major impact on your sense of well-being. Follow these steps and enjoy…

[willsandtrusts]

Stay informed with the latest financial news, insights, and expert advice from the friendly team at Wills and Trusts Wealth Management Ltd. Discover valuable insights for managing your wealth.

[honeytonedhottie]

financial literacy⋆.ೃ࿔*:･✍🏽🎀

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

WHAT IS FINANCIAL LITERACY ;

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

ALL ABOUT BUDGETING ;

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

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

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

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

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

HOW DO U KNOW WHAT UR NEEDS/WANTS ARE ;

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

♡ calculate ur needs, wants and savings budget

♡ compare ur expenses to ur budget

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

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

[bitchesgetriches]

Everything You Need To Know About Taxes

How to pay your taxes

HERE IT IS: our official primer on how to file your tax return, updated annually as the laws change. If you’re just a wee baby taxpayer who has never gone through the process before, start here:

How to File Your Taxes FOR FREE in 2025: Simple Instructions for the Stressed-out Taxpayer 

And for those of you advanced enough to have fucked up your taxes at least once in your lifetime… congrats and welcome to the club! We’re all very cool here and also based—which my nieces tell me is a word I’m never allowed to use!

Here’s our advice on how to troubleshoot a tax fuck-up:

Go Ahead and File Your Taxes Right Freakin’ Now

Screw Up Your Taxes? Here’s How To Get Out of Paying Tax Penalties

My Taxes Are a Little, uh, Creative. What’s My Risk of Being Audited? 

Would You Rather Owe Taxes or Get a Tax Refund This April? The Answer Might Surprise You!

Taxes: Your Annual Fee for Membership in Civilization 

I got 1099 problems but this Bitch ain’t one

We know a large portion of our readership are not full-time salaried workers. So for all of our beloved freelancers, contractors, part-timers, and service industry professionals, we’ve got some supplemental reading for you:

11 Awful Mistakes I Made as a Self-employed Freelancer, and How You Can Avoid Them

“Independent Contractor” My Ass: How to Stop Wage Theft Through Worker Misclassification

Season 4, Episode 5: “401(k)s Aren’t Offered in My Industry. How Do I Save for Retirement if My Employer Won’t Help?”

Ask the Bitches: My Boss Won’t Give Me a Contract and I’m Freaking Out

Investing Deathmatch: Traditional IRA vs. Roth IRA

Barbara Sloan’s New Book Dares To Suggest Service Industry Professionals Deserve Financial Stability Too 

Taxes and relationships

No matter what your situationship, it will affect how you handle your taxes. Here’s what I mean:

How To Get Married: Bureaucracy, Finances, and Legal Paperwork To Do Before “I Do” 

Season 3, Episode 8: “Should I Get Married for Tax Purposes? My Boyfriend Swears We’d Save Money, but I’m Not So Sure…” 

Season 4, Episode 2: “We’re Moving in Together but Don’t Plan To Get Married. How Can We Split Finances Fairly?”

A Guide to Sharing Finances with Someone Other Than a Romantic Partner

Raise your hand if you’ve been personally victimized by taxes

I know you’ll all be shocked by this, but… the Tax Man does not fuck over all of us equally! Sometimes He fucks over specific kinds of people particularly hard… with a pineapple! Read on to learn more.

How To Protect Yourself Against Project 2025 

The Social Safety Net for Disabled People Is Broken

Unmarried? In THIS Economy? 7 Ways Our Society Financially Punishes Single People

Season 4, Episode 8: “I’m Queer, and Want To Find an Affordable Place To Retire. How Do I Balance Safety With Cost of Living?”

Dafuq Is Unemployment Insurance and How Do I Apply for It?

Pay it forward

Everything I linked above is available to you for free. We worked long and hard to make it for you, and while we absolutely consider it a labor of love… it’s still labor. So if you’d like to show your appreciation for that labor, pay it (and by “it” I mean a tiny portion of your tax return) forward by donating to our Patreon or our PayPal to we can continue to do what we do here.

Join the Bitches on Patreon

Toss a coin to your Bitches on PayPal

[femmefatalevibe]

Any tips on saving money?

Track your income/expenses. Knowing your monthly cash flow + essential and discretionary spending is the only sound starting point toward setting your financial goals.

Evaluate your non-essential spending habits. Consider where this money is going, and whether these expenses add value/are necessary to your life (pleasure or peace of mind is an acceptable "necessity" if you're living within your means to be clear!).

Determine the money you have left over after you cover your essential expenses and most fulfill discretionary expenses. This amount is your "saving/investment" money.

Divide your leftover amount into 3 categories: Emergency fund, goal-oriented savings (like buying a desired luxury item/furniture, a down payment on a house, a vacation, etc.), and investments.

Put your savings in a high-yield savings account. If possible, have different accounts for each purpose, especially your emergency fund and savings for future purposes. You can also get a CD for a long-term savings goal.

Put your investments (in the USA at least) in the following buckets: Roth IRA (max it out), ALWAYS take your employer's full 401k match, HSA (if you have a high-deductible health insurance plan), and S&P 500 index funds/other evergreen mutual funds + blue-chip stocks.

Purchase fewer, higher-quality items. Know the sales seasons for each product category and shop around this calendar (down to the produce items in season). If possible, rent items when it makes sense.

Only say "yes" to plans/financial obligations that add value/pleasure to your life. Don't let yourself feel shortchanged financially or emotionally. It's never worth it, honestly.

Invest in your physical, mental, and financial health first. This can mean something different for everyone but it's important!

**I'm not a professional, just another young woman on the internet, so please take this advice accordingly. Please meet with a financial advisor/CPA for formal advice and personal financial planning.

Hope this helps xx

[suburblocal]

A well-structured insurance portfolio, guided by independent financial advisors and personal finance advice ensures financial stability if illness or injury prevents you from working.

[brunhielda]

Sorry, but this is another post that is tangentially about dealing with grief, and mostly about dealing with parents.

GUYS- despite what you may feel like, I PROMISE you, you so are so much better equipped to start over again in modern society than your parents.

Your parents have OLD survival skills that are important- cooking, sewing, laundry, house repair.

Some of them even have the wisdom of years in dealing with people, and the emotional milestones people go through at different points in life.

What they really don’t have?

A grasp on things like: signing up for anything in the modern world. Applying for grants or jobs. How financial institutions handle bussiness. Those things that you need to start and run anything outside your own home.

Now this is general, and there will always be exceptions, but why do I say this?

1) watching younger and younger adults come into the library for electronic assistance for things like banking, taxes, and how to retrieve a password for email.

2) watching my mother trying to navigate finances now that my father is not here to do it.

When he died she looked at what he had done and said: Why is this so complicated? What were you trying to hide from whom? He is robbing Peter to pay Paul!

To be fair to her, he did have far too many credit cards, and she was under the impression that there was one. He was hiding that, and not talking about our financial situation with any sense of reality to anyone. He is in the wrong for that.

On the other hand, every time she looks at even half of the options available to her for any issue, like paying a bill, or canceling out an account, she is overwhelmed by the data and completely freezes.

She hates that the exact thing she is looking for isn’t on the first page open when she logs on, she hates that handling a loan is not like handling a bank account is not like handling a credit card. The buttons to push to make things happen are different on each page, and for every different financial institution.

She hates that she has to sit through a million computer options on the phone to get a live person. She hates any task she sets for herself will take 30min, and longer if she wants to understand it first or is wracked by anxiety and indecision.

Like- I have been trained to fail the first three times I attempt something and to only attempt things worth my energy.

I basically understand the logic of online accounts, and if I can’t find what I need immediately can fiddle until I figure it out.

She simply does not have those skills, and she sees it as her being stupid, which make her spiral more, and then the task is impossible.

I think… I think we are just used to everything being hard all the time and handling businesses anyways. They remember when companies bent over backwards to make everything easy to use.

When SOCIETY was built to FUNCTION.

And they don’t know what to do if everything they have built is ripped out from under them and they have to start over in this new world.

Don’t let anyone who is even half a generation older than you tell you how to get started in life. Or at least take that with a whole teaspoon of salt. Look to the other people in the muck with you and know you will have to figure it out together. As society in the US falls apart the older generations are going to be even more lost than you are. I am so sorry.

[bunnyboy-juice]

im begging people to turn on the post dates for your feed bc sometimes i see ppl rb advice with good intentions but the advice is from 2010-2017 and therefore is WILDLY outdated!!!! and that's not good!!!!!

[themoneysavvyblog]

5 Saving Tips That May Not Work

There is a plethora of advice on how to save money, including on this blog. Although well-meaning, sometimes financial tips just don’t work. Here are a few tips that never worked for me. Couponing I previously wrote about couponing, whether extreme or not. Couponing is a lot of work, and may not save you as much as you think, particularly in Canada. It sure never really worked for me. Bulk…

[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.