#Personal Money Management

[onepercentclubblog]

How to the right financial planning course

The right Financial Planning Course is easy to understand, easy to execute, and worth every penny you invest. 1% Club’s courses meet all the criteria so that you can make your financial life stable asap.

[peak72finance]

When it comes to teaching financial literacy, gamification can be a game-changer. By turning complex concepts into fun, interactive lessons, we can help people of all ages understand and apply important financial principles.

[allinhalf-store-blog]

Personal Finance Basics A Comprehensive Guide

In today’s world, where financial decisions affect every aspect of our lives, mastering the basics of personal finance is essential to achieving long-term financial stability and security. This comprehensive guide will provide you with the knowledge and tools to take control of your money, make informed decisions, and build a solid financial foundation, regardless of your financial background or…

[foe-paw]

YOU THOUGHT THAT YOU COULD OUTSMART THE VERY THING THAT RUNS THE BLOOD OF YOUR KIND?

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Saving Money and Being Frugal

We’re all in this together. Don’t give up.

On food and groceries:

How to Shop for Groceries like a Boss

Why Name Brand Products Are Beneath You: The Honor and Glory of Buying Generic

If You Don’t Eat Leftovers I Don’t Even Want to Know You

You Are above Bottled Water, You Elegant Land Mermaid

You Should Learn To Cook. Here’s Why.

On entertainment and socializing:

The Frugal Introvert’s Guide to the Weekend

7 Totally Reasonable Ways To Save Money on Cheap Entertainment 

Take Pride in Being a Cheap Date

The Library Is a Magical Place and You Should Fucking Go There

Your Library Lets You Stream Audiobooks and eBooks FOR FREEEEEEE!

What’s the Effect of Social Media on Your Finances?

You Won’t Regret Your Frugal 20s

On health:

How to Pay Hospital Bills When You’re Flat Broke

Run With Me if You Want to Save: How Exercising Will Save You Money

Our Master List of 100% Free Mental Health Self-Care Tactics

Why You Probably Don’t Need That Gym Membership

How to Get DIRT CHEAP Pet Medication, Without a Prescription 

On other big expenses:

Businesses Will Happily Give You HUGE Discounts if You Ask This Magic Question

Understand the Hidden Costs of Travel and Avoid Them Like the Plague

Other People’s Weddings Don’t Have to Make You Broke

You Deserve Cheap, Fake Jewelry… Just Like Coco Chanel

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

When (and How) to Try Refinancing or Consolidating Student Loans

The Real Story of How I Paid Off My Mortgage Early in 4 Years 

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It

On buying secondhand and trading:

Almost Everything Can Be Purchased Secondhand

I Am a Craigslist Samurai and so Can You: How to Sell Used Stuff Online

The Delicate Art of the Friend Trade

On giving gifts and charitable donations:

How Can I Tame My Family’s Crazy Gift-Giving Expectations?

In Defense of Shameless Regifting

Make Sure Your Donations Have the Biggest Impact by Ruthlessly Judging Charities

The Anti-Consumerist Gift Guide: I Have No Gift to Bring, Pa Rum Pa Pum Pum

How to Spot a Charitable Scam

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again? 

On resisting temptation:

How to Insulate Yourself From Advertisements

Making Decisions Under Stress: The Siren Song of Chocolate Cake

The Magically Frugal Power of Patience

6 Proven Tactics for Avoiding Emotional Impulse Spending

On minimalism and buying less:

Don’t Spend Money on Shit You Don’t Like, Fool

Everything I Know About Minimalism I Learned from the Zombie Apocalypse

Slay Your Financial Vampires

The Subscription Box Craze and the Mindlessness of Wasteful Spending

On saving money:

How To Start Small by Saving Small

Not Every Savings Account Is Created Equal

The Unexpected Benefits (and Downsides) of Money Challenges

Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead

From HYSAs to CDs, Here’s How to Level Up Your Financial Savings

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

The Magic of Unclaimed Property: How I Made $1,900 in 10 Minutes by Being a Disorganized Mess

We will periodically update this list with newer articles. And by “periodically” I mean “when we remember that it’s something we forgot to do for four months.”

Bitches Get Riches: setting realistic expectations since 2017!

Start saving right heckin’ now!

If you want to start small with your savings, consider signing up for an Acorns account! They round up your every purchase to the nearest dollar and save and invest the change for you. We like them so much we’ve generously allowed them to sponsor us with this affiliate link:

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[cipheramnesia]

Pulling this because I don't want to get into arguing about AI with a stranger, but I do think it's very funny to see Tim Burton upset about having his style imitated. "It's nothing like when I, a human, have an entirely derivative and unoriginal style - first of all, no robot could ever reproduce my human racism" oh no Tim, the machines are racist too, don't worry.

[ryllen]

something i promised on my kofi 6 months ago... 🫠

[goddessinnerglow]

Become Your Best Version Before 2025 - Day 13

Financial Planning and Budgeting

Hello Goddesses! I know that talking about money, can feel scary or boring, but after working on our stress management tools yesterday, it's perfect timing to address something that's often a huge source of stress for many of us: finances.

First things first: if thinking about money makes you want to hide under your blanket, you're not alone. But taking control of your finances isn't about becoming a math genius or never buying another coffee again. It's about making friends with your money so it can help you live your best life.

Let's break this down into bite-sized pieces that won't give you a headache:

Start Where You Are

Remember when you first learned to ride a bike? You didn't start by doing tricks, you started with training wheels. Money management is the same way! First step: just look at your current situation. Open those banking apps you've been avoiding. Take a deep breath and look at your statements. Knowledge is power, even if it's a bit scary at first.

The Money Map Exercise

Grab a piece of paper (or open your notes app) and let's do something simple:

Write down all your income sources

List your regular monthly expenses (yes, including those sneaky subscriptions!)

Don't forget those irregular expenses like annual fees or seasonal costs

Look at what's left (or what's missing)

Congratulations! You've just created your first basic budget outline.

The 50/30/20 Guideline

Here's a popular way to think about your money:

50% for needs (rent, groceries, utilities)

30% for wants (fun stuff, shopping, entertainment)

20% for future you (savings, debt payment, investments)

These numbers might not work for everyone, especially depending on where you live. The important thing is to have some kind of plan that works for YOU.

Smart Money Habits You Can Start Today

The 24-Hour Rule: For non-essential purchases over a certain amount (you decide the number!), wait 24 hours before buying. You'd be surprised how many "must-haves" become "maybe nots" overnight!

Bill Calendar: Set up a simple calendar with all your bill due dates. Future you will be so grateful!

Automate Your Savings: Even if it's just $5 a week, set up automatic transfers to a savings account. It's like hiding money from yourself!

Track Your Spending: For just one week, write down every single purchase. No judging, just observing. You might find some surprising patterns!

The Emergency Fund Challenge

Let's start building that safety net! Even $500 in savings can make a huge difference in an emergency. Start with a goal of saving just $25 this week. Too much? Start with $10. Too little? Make it $50. The amount isn't as important as getting started.

Money Goals That Make Sense

Instead of vague goals like "save more," try specific ones like:

Save enough for three months of basic expenses by December 2025

Pay off one credit card by summer

Create a "fun fund" for that hobby you've been wanting to try

Your financial journey is exactly that, YOURS. You don't need to compare yourself to anyone else. The person on Instagram showing off their investment portfolio might still be paying off massive debt. Focus on your own path!

Your mission for today:

Look at your bank statement (I know, scary, but you can do it!)

Pick ONE money habit from this post to try this week

Set ONE specific financial goal for 2025

See you tomorrow for Day 14! Remember, every financial decision you make today is a gift to your future self.

[milkoomi]

₊˚⊹ ᰔ a guide to maintaining financial wellness ᝰ.ᐟ

having good money habits can be insanely difficult. i know i personally struggle with impulsive spending, and i’m sure we’ve all fallen victim to the “i’m just treating myself” mindset. financial stress and even financial depression can feel so daunting and overwhelming, so i’m here to help you guys (and myself as well) manage your money better!

let��s begin !!

ᝰ.ᐟ set aside funds

it’s important that when every paycheck hits your bank account to immediately set aside some funds into your savings account. whether it’s 10-20% of your paycheck or even $20-$100, set aside some money into your savings!

it also might help to have that savings account be locked so that you can still put money in, but you can’t take money out. let that savings amount pile up and don’t touch it until you’re absolutely ready to make that big purchase!

ᝰ.ᐟ set aside any cash

get a piggybank or even one of those money organizing binders to set aside any cash that may come your way! keep that cash away from your wallet so you won’t be tempted to use it in any outside purchases. and, same as the first point, that cash will start to pile up!

ᝰ.ᐟ purchase needs rather than wants

let’s start getting out of that “i’m gonna treat myself” mindset!! while it’s nice to treat yourself, we really should only be doing it every once in a while. we can also find different ways of treating/rewarding ourselves that don’t require spending any money! (i can make a separate blog post on this if you guys would like!)

especially when you’re trying to save up for school, a new apartment, a new car, or whatever it may be, it’s really important to keep your purchases to only things that are absolutely necessary.

ᝰ.ᐟ keep track of automatic payments

especially if you have a subscription of any kind, keep track of when those automatic deductions from your account are happening. make note of when your next billing date is and how much you’re being charged for each month/year.

this would also be a good way to determine what subscriptions you really need/want to keep and which ones you can do without and unsubscribe to! i did a full cleanse of my subscriptions list and kept the ones i definitely wanted to keep. sometimes you never really realize how much money your losing when you’re subscribed to things that have no use to you anymore!

ᝰ.ᐟ plan accordingly

when your paycheck comes in and you have all these payments that are coming up yet you still need to buy groceries or get gas or whatever, make sure to plan your funds ahead of time! this way, it’ll help you budget for your groceries & any other necessities as well as help you determine how much money you can set aside into your savings and even calculate how much extra funds you might have to spend on for more personal things!

𝜗𝜚 final notes 𝜗𝜚

don’t let these tips make you feel like you can’t treat yourself to something! as i mentioned earlier, you can still treat yourself to nice things, but it might be best to do it once in a while! i know most of us associate success with money, and to reach success with money we have to learn to be more mindful about how we spend our money and how we manage it.

live and love, babe.

sincerely, juno ⭑.ᐟ

[albatris]

my mental health n paranoia are finally consistently managed enough that I'm considering top surgery!!!!!!

[peak72finance]

Gamification can boost financial literacy by making learning more effective. Explore innovative strategies and games to boost your financial knowledge.

[tierras]

Oh dear, why are you quitting ?

mostly because my manager is severely unstable and toxic :(

[frogeyedape]

I am so unbelievably pissed off. FUCK HOAs

Oh, my trash/recycling bin can't be visible except on pickup day? Ok whatever fine I hate you but I can deal with this

Weekly inspections?????? FU FU FU FU FU

SECOND NOTICE ALSO WE'RE CHARGING YOU MONEY TO SEND YOU CERTIFIED MAIL OF THIS TOTALLY LEGIT TOTALLY SECOND NOTICE OF WHAT IS ACTUALLY A VIOLATION cue me: checks notes. Hmm. My recycling bin was. on the curb. on recycling pickup day. You know. The day it has to be out. The day it is motherfucking ALLOWED TO BE FUCKING OUT AND VISIBLE.

so. 1) not a violation

I have sent them the trash AND recycling pickup schedules, which are DIFFERENT, btw

I have disputed the fact of the violation

I have disputed the linking of this "violation" to a previous violation MONTHS AGO--their "first notice" in this case was a "Courtesy Notice" LITERALLY 5 MONTHS AGO and they've done so many inspections since then and my bin CLEARLY WASN'T OUT IN THOSE INTERVENING MONTHS so WTMFH

So I am posting like a crazy person here instead of sending the absolutely deranged email I almost sent (I did send a slightly less deranged version with the disputes, and requesting a hearing)

OMG. It has been. Less than one hour since I learned this fun fun news. My bin was out YESTERDAY, y'all. YESTERDAY. I am going to blow a gasket

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards

Understanding credit

Dafuq Is Credit and How Do You Bend It to Your Will? 

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash?

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Ask the Bitches: What’s the Difference Between Credit Checks and Credit Monitoring? 

When (And How) To Try Refinancing or Consolidating Student Loans

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

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Using credit

How to Instantly Increase Your Credit Score…For Free 

How to Build Good Credit Without Going Into Debt 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Season 1, Episode 3: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?” 

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

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

Credit cards

A Hand-holding Guide To Getting Your First Credit Card 

63% of Millennials Are Making a Big Mistake With Credit Cards

Let’s End This Damaging Misconception About Credit Cards

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Here’s What to Do With Those Credit Card Pre-approval Offers You Get in the Mail

We’ll periodically update this masterpost as we continue to write tutorials and answer questions on credit. So if there’s anything you’re confused about, keep the questions coming!

And if we’ve helped you increase your credit score or pay off your credit card debt, consider tossing a coin to your Bitches through our PayPal. It ensures we can pay our lovely assistant and keep bringing you free articles and episodes like those above.

Toss a coin to your Bitches on PayPal

[long-lost-soul]

GOT LORD HURON TICKETS YIPPEE