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[nadvs]

cam girl (part two)

pairing rafe cameron x female reader

rating explicit 18+

summary you work two jobs. by day, you’re a maid for the cameron household, where rafe degrades you any chance he can get. by night, you’re a cam girl, hiding your face so nobody can recognize you. when you discover your new subscriber, the filthy-mouthed man obsessively paying you to do everything he can think of, is rafe, you’re not sure what to do next.

» masterlist

+:★:+*━━━*+:★:+*━━━*+:★:+*

The next time you log in to the cam website, your heart is racing. Throughout your classes that day, all you could think about was how hot the session with the man you thought was a stranger was last night.

But he isn’t a stranger. He lives in the mansion you get paid to clean twice a week, where he taunts you every chance he gets, practically fucking you with his eyes.

Does Rafe know it’s you on the camera? Is this a sick little game he’s enjoying, thinking you don’t know it’s him? Or maybe he’s aware you know who’s behind the account and he wants to see if you’ll say something about it?

But you do such a good job hiding your face. He can’t know it’s you.

You wonder if it’s wrong to continue doing the nightly private sessions knowing his identity. But when you remember how much joy he gets from berating you while you clean his house, you figure it’s ridiculous to care about the ethics of it.

You try to focus on the fact that you’re making so much money. Rafe gave you over $1500 last night. And he wants to keep paying you for every session. At this rate, you won’t have to worry about bills or your college tuition at all.

You closed your cam girl account to all other subscribers and posted a note that you were no longer streaming. The truth was, you were, but for one man only.

The thought of Rafe lying in bed jacking off to you turns you on before you even start the chat with him.

You take a deep breath, your hand hovering over your laptop trackpad. Rafe Cameron is going to watch you get naked and touch yourself and it makes your stomach feel like it’s flipping.

You start the private session.

Your screen fills with the image of you from your lips down to your feet as you’re curled up on your bed. You’re in a sheer white nighty with no bra or panties on underneath, your body hardly hidden beneath the smooth fabric.

Rafe called your tits perfect last night, so you figured he’ll appreciate you having them on display right when he logs in.

figure8 has joined the session.

You swallow hard.

figure8: been thinking about you all day princess

His words give you butterflies. You try to keep your confidence at the same level now that you’re aware of who’s on the other side of the chat. You refuse to be intimidated knowing it’s Rafe.

“Yeah? What about me?” you ask.

figure8: how pretty that pussy is and how im gonna watch you fuck it from behind

You feel the blood rush to your face. You know he has a filthy mind from the comments he makes to you at his house while you work, but this is more than you ever expected.

“Should I go slow for you again?” you whisper. “I know you like that.”

figure8: what a fast learner

You smirk. There’s the Rafe you know. He has such a natural talent for mocking you.

“You like this little outfit?�� you ask him, your hands running down the fabric on your chest, fondling your tits. “I wore it special for you.”

figure8: so fucking hot. bounce those tits for me

You sit up on your knees and arch your back, lightly bobbing on the bed with your hands up in your hair. He has a perfect view of your chest beneath the sheer nighty, your nipples hard under the fabric as your tits jiggle up and down.

figure8: damn. i’d leave hickeys and bites all over those tits. you like to get bitten dont you princess. i know you like it rough

With every other viewer you’ve had as a cam girl, you’ve lied about your preferences just to get tips, but with Rafe, it’s like he knows exactly what you want. You haven’t had to lie to him once.

“I fucking love it rough,” you moan. You put your hands up to your tits and squeeze hard. “I want you to leave marks on me.”

figure8: i’d leave them all over your tits and your ass

“Yeah? Would you spank me? Hard enough to leave a handprint?” you ask, turning around and slowly lifting the nighty over your butt. You stick out your ass for him and sway it slowly for him.

figure8: fuck yes. shake your ass

You spread your knees wider and obey, looking back to watch your body on the screen. The thought of Rafe lying in bed fisting his cock while he watches you makes you get even wetter.

figure8: straddle your pillow. i wanna see how you’d ride my face

You tilt the laptop down so he doesn’t see above your mouth as you move to grab a pillow from behind the computer. You readjust the screen then straddle the pillow, the cotton soft against your naked core.

You start to buck your hips, shuddering immediately. You’re dazed already, desperate for his hands on you, as you rub your body against the pillow.

“I’d ride it fast like this,” you say breathily, humping the pillow.

figure8: my needy girl. my dick is throbbing watching you

figure8 tipped you $200.

figure8: that’s for riding it so well

“Thank you,” you purr, still grinding the pillow. The feeling of getting paid while doing something that feels so good is intoxicating. You’d do anything Rafe’s filthy mind desires.

figure8: don’t cum yet. i’m not done with you

You bite your lip in frustration.

“Okay,” you say heatedly. You slow down your thrusts, back still arched as you await your next instruction.

figure8: show me how you finger yourself. get your pussy nice and close to the camera

You shift to spread your legs in front of the camera, seeing yourself on full display for him.

figure8: start with one finger. i want you to work up to four. can you do that princess?

“I can do that,” you say shakily. You insert a forefinger into your warm, tight hole and let out a contented sigh.

figure8: pump it in and out slowly. add a second finger when you’re ready

You obey, stretching yourself out a bit before adding a second finger. Slowly, you add a third and writhe a bit. You push your hand back and forth, watching yourself on the screen.

You add your pinky finger and slightly tense up, your body rolling.

figure8: breathe through it. you can do it

You let out a shaky exhale as you continue, watching your fingers disappear inside of you.

figure8: good girl stretching that pussy out so nice. i bet you taste so fucking good. taste yourself for me

The request is so sinful, so unlike anything you’ve ever been asked to do. You slowly pull your fingers out of yourself, bringing your hand up to your mouth, making sure he can see your lips.

“I’ve never done this before,” you say to him.

figure8: you’ll do a lot of new things with me, princess

You taste your wetness, sucking on your fingers for him with a slurp loud enough for him to hear. It’s such an animalistic, depraved act, and you find yourself wishing you could do it with him in person, have him watch you do this in the same room.

figure8: god i want to taste you so bad

“I want to taste you, too,” you whisper. If only Rafe knew how accessible you were to him, in his house twice a week. “You know, you can send me photos whenever you want.”

figure8: desperate to see this dick aren’t you

You smile. He could not be more correct. You don’t know how you’ll manage to be around him in person and act normal knowing what you know.

Your stomach heats when you see that he sent a photo. He’s holding his cock, the curve of it so perfect, a pearl of precum leaking out of the tip.

“I want to use my mouth on you,” you keen. “My pussy is aching for it.”

figure8: i know you’d love the taste, princess. show me how you’d take my cock doggy style

Finally. You pick up your dildo and turn around, backing up towards the screen. You angle to slide the toy in slowly, feeling it fill you up, then move your hand so he can view you clearly.

figure8: i can see you dripping

Sure enough, you look down on your sheets to see drops of your own wetness. This man has got you hornier than you’ve ever been.

“That’s what you do to me,” you rasp. “Fuck, I bet you’d destroy me.”

figure8: that pussy would grip my dick so well. i’d fuck you so hard

“Can I please do it now?” you say breathlessly, throbbing with need.

figure8: only because you asked so nice

You dip your arm between your hips, knees sinking into your bed as you lean so your cheek is pressed against the mattress and out of the camera’s frame. You hold the base of the toy and shut your eyes and imagine Rafe’s warm, hard cock inside of you instead of a dildo you have to control.

Breathy moans spill out of you as you thrust the dildo in and out of your slick cunt. You picture him behind you, his hands on your hips as he ruthlessly thrashes in and out of you.

The orgasm slowly builds and builds.

“I’m gonna come,” you say, muffled. You bite your tongue, stifling the urge to call him by his name. Your eyes roll back as the orgasm ripples through with a powerful force, making you shake with pleasure.

When you finally regain enough energy, you sit up and turn to look at the laptop again. To your delight, you see that Rafe sent another photo.

You look closer at the image to see his cum sprayed across his muscular stomach, the white splashes of his pleasure glistening atop his abs.

“Shit,” you rasped. The image is so sexy that you feel yourself getting aroused again.

figure8: see what you do to me? i never cum this fucking fast

figure8 tipped you $100.

figure8: use the money to buy this. have it ready tomorrow

He sends a link in his next message. You open it to see a sex toy website. The page he sent is for a rose vibrator.

“I’ve always wanted one of these,” you say breathily. “Thank you, baby.”

figure8: dont use it without me watching. understand?

“Yes,” you say.

figure8: sleep. you’ll need your rest for what im doing to you tomorrow

figure8 tipped you $1000.

Rafe leaves the chat. You follow his instructions, ordering the toy right away and selecting the option to have it delivered tomorrow. What is he planning?

You decide to do some more online shopping, finding a top you know he’ll like.

After you buy the items, you stare at your laptop, reeling from what just happened.

You look at the pictures he sent again. Rafe was always such a cocky asshole whenever he taunted you at work and it definitely isn’t from overcompensation. He’s so well-endowed that you know it’d hurt so good having him inside you.

How would he react if you told him you were the girl he was jacking off to? Would he be embarrassed? Or relieved he could fuck you for real? Because you’d let him have sex with you. After tonight, there’s no doubt about it.

You close the laptop. It’s Thursday, meaning you’ll likely see Rafe in two days when you’re back at the Cameron estate on Saturday as scheduled. You typically see him around the house, but there are times where you don’t run into him at all.

You don’t know if you’d prefer to see him or not. How could you act normal after having him talk to you like that, after seeing his naked photos?

You try to go to bed right away, but your head is spinning.

The next night, you log in wearing skimpy white panties and the pink tank top you bought the night before, the word “princess” stretched across the front in white cursive letters.

Rafe joins the private session and you can imagine the smirk on his face once he sees your outfit.

“Hi, baby,” you coo, pinching the peaks of your nipples poking beneath the shirt. “You like my top? Bought it last night.”

figure8: its perfect. i want you to spoil yourself with every dollar i give you

You giggle and hold the small silicone rose toy up the camera.

“I was tempted to use it, but I didn’t,” you admit. “Promise.”

figure8: good girl. i hope you got your rest last night. im not paying you til you cum three times tonight

“Oh, my God,” you laugh. “Three? I don’t know…”

figure8: you can do it, princess. take ur panties off but keep that shirt on. don’t want u to forget who u belong to

His possessiveness is so attractive that you feel yourself getting wet already. You slide your underwear off, spreading your legs and putting yourself on display for him.

figure8: tell me what you’d want me to do if i was there. you’d like my head between your legs wouldnt you

You giggle, “You read my mind.” You put your fingers on your clit and close your eyes, imagining curling your fingers in Rafe’s hair as his tongue presses against your middle.

You would have never guessed that Rafe Cameron likes eating pussy, always having assumed he was selfish in bed. But he’s been surprising you since the first message he sent.

“I’d want you to start off kissing me right here,” you purr, “then you’d start using your tongue. Then you’d suck my clit.”

figure8: then i’d put my tongue deep inside your tight cunt

Reading the words makes you tremble. You lower your hand to spread your lips open and show him your opening.

“Right here?” you tease.

figure8: i want my face all wet from you

You groan, imagining his pretty face glistening, his pink lips swollen from eating you out.

You grow wetter and wetter as you touch yourself.

figure8: get the toy

You eagerly pick it up and hold your finger over the “on” button.

“Which setting?”

figure8: whatever will make u cum the hardest, princess

“You get off on me feeling good, don’t you, baby?” you tease.

figure8: those sounds you make are so fucking perfect. i’m already rock hard

“You want me to be loud?”

figure8: don’t hold back. i’ll count your orgasms with you ok? and on the third one, we’ll cum together

This man could not get any sexier if he tried. You curiously explore the toy, finally turning it on and hearing it buzz immediately.

You place it on your clit and the pleasure is instant. You let out a sharp exhale, imagining Rafe touching himself while he watches you.

The toy buzzes and suctions on you and it doesn’t take long at all for the first orgasm to roll through you. You don’t stifle the moan that comes out of you, knowing he’s enjoying it.

figure8: that’s one. that was so fast, princess

“I was horny all day,” you confess.

figure8: thinkin about me?

“Mhm. That picture of your cum all over your stomach is so fucking nice.”

figure8: then u can imagine how much i enjoy watching u fuck urself

“I want a video of you rubbing your cock,” you say impulsively. “I want to hear your sounds, too.”

figure8: you’re such a needy girl

“It’s why you like me,” you flirt. He doesn’t respond right away, making you anticipate that he’s recording a video for you.

A file from him pops up in the chat. You eagerly play it, watching six jaw-dropping seconds of his hand moving up and down the thick girth of his dick in his dark bedroom, his heavy breathing filling your ears.

“God,” you whimper. “I’m ready to go again.”

You pick up the toy and place it on your clit, pressing it down hard as it pulls another orgasm out of you after a minute. You moan out a jumbled, high-pitched mess of “oh, fuck”s as you cum.

Your muscles are tingling and tired. You’re not sure you can give yourself a third orgasm.

figure8: two. not done yet

“Maybe we stop here?” you whisper. “I’m already so weak.”

figure8: are u going to be a good girl or not

“I will,” you resign. “I will.”

figure8: go again. on the max setting

Feeling spent but determined to please him, you put the toy on your sensitive clit again. You hang your head back, looking up at your bedroom ceiling as you press the button a few times to turn on the highest level.

The toy’s suction and pace is brutal and unforgiving. You cry out from the overstimulation, writhing beneath it. The forced orgasm rises inside you and you groan loudly as you cum, tremors ripping through your body.

You’re panting when you turn off the toy and sit up to look at the chat. Rafe sent another photo. His hand is holding his cock at its base, the swollen shaft covered in his cum.

figure8: would u lick this up?

“Every fucking drop,” you say, wishing you could have orgasmed with him inside of you.

figure8 tipped you $2000.

figure8: extra for being so good

The high of the orgasms, of your bank account growing all because this man wants to watch you pleasure yourself, makes you feel like you’re floating.

“I belong to you,” you tell Rafe drunkenly, unable to imagine letting anyone else watching you like this ever again.

figure8: yeah you fucking do. that pussy is mine

“All yours,” you whisper.

figure8: ill see u tomorrow. good job today princess

Rafe exits the chat, leaving you a heaving mess.

Your heart feels like it twists reading his last message. He surely means he’ll see you on camera tomorrow… but what if he means at the estate for your housekeeping shift?

No, he doesn’t know it’s you. He can’t. You breathe out a tired sigh and take a long, hot shower before going to bed.

Your shapeless uniform is scratchy against your skin as you walk into the mansion the next day, still not sure if you want to run into Rafe or not.

You finish up cleaning downstairs and move up to the bedrooms, leaving Rafe’s room for last.

When you enter his room, it’s empty, the late morning sun hidden behind the blinds covering his big windows. You hear the shower in his ensuite running. You curse to yourself, suddenly nervous to see him. Maybe you can quickly collect the laundry and leave before he gets out.

You start to strip the bed, picturing the photos he sent you of himself on it, fucking his own hand and cumming with you. He lies right here, typing dirty things to you, watching you fuck yourself.

You’ve only unbuttoned one button of the duvet cover when you hear the shower faucet get turned off. Shit.

You rush to unbutton the cover, but you finish just as the door squeaks open behind you. You can’t bring yourself to look at him.

“I’ll give you some privacy,” you mumble, keeping your back to him and leaving the bed half-done.

“You’ve seen it all already,” Rafe huskily says behind you. You freeze for a second.

You shyly keep your eyes on the hardwood floor as you turn. When you look up at him as he towers over you, his mouth merely inches away from yours, you see he’s wearing nothing but a towel wrapped around his hips.

His hair is wet, his broad chest spattered with water drops. He smells amazing from the body wash he used and his eyes are heavy lidded and his smirk is so damn self-satisfied.

“Why do you look so surprised? You really think I didn’t recognize that pretty mouth right away, princess?”

{ read part three here }

[crsssie]

and on and on, yeah we got the time

Word count: 1.2k || pt2 of on and on, || art creds: 30backyard (lofter)

summary: dorming is hell, so your boyfriend fixes that obv

"You know, Jay." You raise a brow as he does all of the heavy lifting, sliding your mattress on the ground into your shared bedroom in the new apartment. 

"Yes, sweetheart?"

"Oh, god. Did you learn that while reading on ao3 again? Jesus." You grumble. "What I was going to say, though, was that you really... you probably could have called a moving company."

"Listen, lovely." He points. "You have me."

"Yeah, yeah." You sigh. "I love you too, Jay."

"Good, cuz I've seen how many weird fratboys make eyes at you on the daily, and I honestly think some of them need to get beat."

"Not like you couldn't beat them." You pat his shoulder. "Is that it?"

"Should be." He hums. "How do you like our place?"

"Can't wait to have all of my annoying ass textbooks slotted in the bookshelves that you decided were necessary while telling Bruce to remodel."

"Can't wait to have your dissertation plastered on the walls."

"Oh..." You mumble. "Our degrees... You plan on living here forever?"

"Just a little, maybe."

"Could we just throw the mattress off the balcony next time?"

"I mean, I'm not saying no..."

You find that Jason's still the biggest book nerd in college. His 4.0 is daunting compared to yours despite being in the same school as you, and it's just a little... terrifying. At the very least, all of his professors adore him. You find that it's at the very least — helpful. It's great that Jason's adored by your shared professors because when Jason accidentally lets slip that you're his girlfriend, it gives you a boost. You don't know how, but you end up relaying messages to Jason through your professors occasionally. You wonder just what kind of tactics Jason's employing to get on their good side an ungodly amount, but it's not your problem. Jason has the face card and the personality for it.

At the very least, when it comes to you, he does.

"Prof wants to see you at office hours." He hums. "English 102."

"Jesus, what did I do now?" You grimace.

"Probably that shitty essay you bullshitted."

"God." You mumble. "I truly need to get on your level."

"Thank you, sweetheart." He hums. "The art of knowing does not come easy."

"Yeah, yeah." You grumble. "We should get back to a book a week. Sorry, I mean I should get back to a book a week."

"You can start by catching up with me."

"M..." You pause. "How about... no."

"Well, your choice." Jason hums. "We're mid semester—"

"WHICH IS ANOTHER THING. WHY DID WE MOVE MID-SEMESTER??" You snap your head to look at him, annoyed. "Jay, baby."

"I know." He pouts. "But you hated that dorm too."

"Yeah, but now I have to change all of my mailing addresses. Again." You mumble. "I hate doing that. I don't know how many accounts I even have."

"At least you got all of your packages."

"I guess..." You sigh. "Well, at the very least... we own this place."

"We own the building."

"WHAT." 

"Correction. B bought the building and transferred ownership to me. I own the building."

"Oh my god." You mumble. "You truly are learning from the worst..."

"Worst being you?"

"Yes. Duh. How many times have I called B for a hundred dollars because I couldn't afford matcha?"

Jason holds back a laugh, closing his eyes as his brows furrow. "Matcha does not—"

"No, but B can spare it." You hum. "Don't worry. I pay him back with the abundance of gifts I bring with each travel."

"Which is on B's account." Jason pauses. "You know what? Yeah. Whatever. Eat the rich. I didn't steal his tires and strike gold for me to be telling you to go easy on his bank account."

You give him a thumbs up. "Well, I make my own as well. It's nice to not need to worry about tuition... but it's also a pain in the ass to not be able to make money here."

"At least you have a legal ssn and everything."

"Not."

"Not ssn. Sorry." He snorts. "Well, better than the goons in Gotham, I'm sure."

"Definitely." You hum.

Jason tunes out your rambling as he glances around the room. The couch would arrive soon, and the rest of the furniture (including the 4K HD TV that you deemed necessary in order to, and he quotes, "see men in 4k" on) would arrive soon. He wonders just what he would be doing had he not met you. 

Would his life have ended when he nearly lost his life? Would he have gone to find his mother had you not clung onto him and threatened suicide? Even then, you were insane. He glances back at you as you tilt your head at him, expecting an answer.

"Sorry, babe. Spaced out."

"I was asking if you wanted takeout for dinner."

"Maybe?" Jason pauses. "Sure. You wanna order?"

"There's a place downstairs that I wanted to go to." You hum. "Right out there."

"Hope that pizza is just as good as the one that Dick won't shut up about." Jason mumbles.

"You recon I could ask them if they take school dining dollars?"

"They don't."

"Wouldn't hurt to ask." You grin. 

"I'm not asking for you." He deadpans. "I'll search it on reddit for you, though."

"Mm... that works." You hum. "So... wanna tell me what was on that exam you took?"

"No."

"No?? Not even a clue??" You gasp, pretending to be hurt.

"You'll be fine."

"That 88 I got on my first exam begs to differ."

"You're my smart girl." He hums.

You grimace at him.

"Alright, alright. But you're paying for dinner."

"Bruce is, but yeah." You click on your phone, handing him the menu as you get cozy on the couch. 

Jason settles into a day to day with you, fingers interlaced with yours, placing grapes in your mouth as you rest, sigh breaking through your chest as you rest the book over your eyes.

"Tired?"

"Very." You hum. "How was your final?"

"I finished." He pulls another grape, pressing it to your lips as you part them to eat. "You're getting real lazy, sweetheart, you know that?"

"Yeah." You hum. "But you love me."

Jason pretends to think about it, tapping his chin as he puts the bowl down. "I don't know..."

"You're hand feeding me grapes and you're telling me you don't know if you love me?" You move the book from your eyes, raising a brow at him as you shuffle and lean on your elbows.. "Jason, beloved. If you tell me you don't know one more time I'm sending you straight to hell."

"By killing me?"

"Jay, baby?"

"Yes?"

"No." 

He reaches for the bowl again, breaking another grape off to give you.

"But you love me."

"Yeah, yeah." You sigh, taking the grape as Jason presses his lips to yours, giving you a quick kiss. You make a noise in protest.

"I love you more than words could express, sweetheart." He takes the last grape, slipping it past his own lips as you throw your head into the arm of the couch and groan.

"You cheeseball."

"Says the one who asked me out."

"I didn't even ask you out all that cheesily." 

"Yeah, but you asked me out."

"And you accepted it." You point. "Loser."

"Yeah, your loser."

"My loser." You sigh. 

[libbee]

Feeling Powerless in the 8th House?

Power is a strange thing. At first, it provokes the images of government, corporates, police, institutions, leaders in mind. On a personal level, it provokes images of parents, partner, inter-human relationships, schools, and even social media. Likes, reblogs, followers, public engagement give a sense of "power".

Power is not even a bad thing. It gives you competence, strength to get things done, self defence, self preservation and to live in society, you need power. Power is the child of socialization, how else will you get things done? How else will one survive in this world?

But where we do feel powerless is in the 8th house. "You are not in control of your life", this sentence alone is enough to create crisis in mind. That your relationships, goals, desires, personality, actions, intentions, thoughts, looks, luck, life story, fortune and misfortune, nothing is your own is a scary thing to realize. I cannot even afford to lose this tumblr account, let alone lose my identity, possessions and ego, then how can I happily surrender my power to the forces of the 8th house? If I don't have any power then I am as good as a dead body.

Ego v/s Powerlessness

8th house is like the reverse of everything you have been told by the society. Ever since my confrontation with this house, I feel like everything that is visible, written, told is a lie and only that is truth which is invisible, unwritten and untold. As soon as something is brought outside in the surface, it loses its truthfulness. No amount of spirituality and mysticism can explain the truth because it will not remain truth if it is brought to the surface. Everything that is brought to the surface is immediately influenced by the ego, vanity, narcissism, arrogance of the outside word. Bring a fish out of the ocean and it immediately dies. Its real place is inside the ocean. What belongs to the ocean be left in its original place. Then how do we know that the fish exist? We know because we "feel". 8th house is one of intuition (gut feelings and hunches) and feelings (that thing in your body that eats you alive). We "feel" love but as soon as try to describe that love it loses its truthfulness. You are now looking for the words, language, sentences to express your love and then you look for appreciation, acknowledgement, reciprocation and acceptance of your love. All this is vanity in a micro level.

Humility and Detachment

Okay guys, I am a humble person because I am self aware and talk about humility, so I am a down to earth and nice person, ok? But isn't it .... self-contradictory? 8th house teaches you real humility, the real thing that is not about self expression and preaching, it is about hiding yourself in the closet because you are really feeling humble. Ironically, we are a society that thrives on goals, aspirations and advancement then the 8th house is like the party pooper that tries to make you humble when all the other kids are being cool and dancing around. Not fair, sir, I hate such schools that don't treat all students equally and fairly. But 8th house is the teacher that chooses few students and teaches them real humility and brings them back to the track every time they go astray. This humility is strange because it is not in the words or performance or poetries; real humility is a thing that you know inside and then keep your lips closed because those who know don't need understanding and preaching, while those who are not there yet look for all kind of guidance and tuition. 8th house chooses its own students and they don't even know they are the chosen ones because there are no regular classes. Some days, everything seems normal, life is fine and then 8th house will summon you for emergency classes because you let something go to your head, you were vain and dishonest, you were selfish and acted against your conscience, so the teacher will call you back to the classroom and teach you real humility once again. 8th also has no notes and lessons, you are your own teacher, you will be just made to face your feelings, memories, behaviours, sometimes in isolation all alone for days or weeks, until you understand the pattern and interconnectedness of everything and change your behaviours for the future.

A Nobody in Nowhere

Even in the occult community, we have people who are egoistic, narcissists and vain, so why call out "others" when it is the humanity itself that is deeply entangled in the dirt of vanity. The other end of vanity is that you are a nobody in nowhere. If I completely surrender all my vanity then I close this account and never share my opinion on anything because conversations are impossible without some layers of ego. When two people sit and talk, they see each other's ego. Every time they open their mouths, it is their ego that speaks. It is just impossible to live a life without some ego, even if a thin layer of it. Writing this post is "my" assertion of "my" ego. And the silliest thing is that this enlightenment comes and goes, one minute one feels like they are finally enlightened and the next minute they are again confused. I think it is because there are 12 houses in a birth chart and there is more to life than what happens in 8th house alone. Whereas your 8th house may want you to surrender your ego, but your 1st house placements may want you to become a poster boy in your workplace. Two conflicting desires - To be somebody and To not be somebody. This is why self awareness and deep insights into your feelings will keep you sane here. It is a scary house when you are a newbie, but with enough training and understanding, it becomes the door to even greater understanding of 9th, 10th, 11th and 12th houses. These are the houses of the collective, greater, bigger than life and larger than an individual.

Still Feeling Powerless?

Me too. But I guess this is the challenge, to find a personal power deep within and to preserve it. Perhaps this is the reason why these natives sometimes get really spiritual, celibate and mystical. Because they preserve and protect their personal power against the world. To stand in the face of uncertainty and yet trust the patterns. To stare into the darkness and yet have scotopic vision. To get things done and yet surrender your power attitude. 8th house is like living in the dark nights when you were accustomed to living in the bright mornings and sunny afternoons. The only problem is to let go of the bitterness, resentment and frustration that comes with seeing other people still consumed in their illusions. But if we are to accept our own ignorance then we have to be tolerant with others as well, because knowledge itself is ignorance as they say. Perhaps the language of the unconscious is "silence" because the moment we start speaking all the demons and dangers of mind are summoned.

The journey to this realization comes in many ways. For me, it came from healing my childhood traumas and family inheritances of behaviours, thoughts, attitudes and emotions. "Dysfunctional family" but it turns out that there was this deeper meaning underneath all the dysfunction. Perhaps there is no such thing as "functional and healthy". Of course I am not romanticizing abuse at all. But it is surprising to see how healing childhood trauma leads to the point of spiritual path, it leads you to realize that the society as a whole is pretty dysfunctional and the only functional place is the underworld.

[justinspoliticalcorner]

Kiera Butler at Mother Jones:

Earlier this month, former President Donald Trump held his first campaign rally as a convicted felon at Dream City Church in Phoenix, Arizona, hosted by the arch-conservative student group Turning Point USA. This wasn’t Trump’s first appearance at Dream City Church; he also held a rally there with Turning Point USA in 2020. For events like this, it’s an ideal venue: A weekly attendance of around 21,000 believers makes this one of the largest churches not just in Arizona but in the nation.

Dream City, which didn’t respond to my questions for this story, is a mecca for special guests who blur the line between religion and politics. Its annual conference has featured notables like musician and pastor Sean Feucht, who participated in a White House prayer session for President Trump in 2019 and is currently leading a tour of prayer rallies at state capitol buildings across the country. The lineup for this year’s event also included David Barton, whose organization, WallBuilders, teaches K-12 students about the supposed Christian origins of America; Jürgen Mathesius, a pastor at San Diego’s far-right Awaken Church, which has become a stop on Mike Flynn’s ReAwaken America tour; and Jentezen Franklin, a televangelist who also spoke at the 2022 Pray Vote Stand Summit, which mobilizes conservative Christian voters to engage in political activism.

In addition to its thrumming weekly worship sessions and its blockbuster events, the church has another project: Dream City Christian Academy. The K-12 private school, which serves nearly 800 students, is part of Turning Point USA’s Turning Point Academy program, a network of 41 schools that describes itself as “an educational movement that exists to glorify God and preserve the founding principles of the United States through influencing and inspiring the formation of the next generation.” Dream City Christian Academy promises to “Protect our campus from the infiltration of unethical agendas by rejecting all ‘woke’ and untruthful ideologies being pushed on students.” This politically charged approach to education likely isn’t for everyone—and because it’s a private school, it doesn’t have to be. Except for one thing: Dream City Christian Academy is one of a growing number of religious schools that are supported by public funds.

In 2022, Arizona became the first state in which all students are allowed to use state vouchers to cover a portion of tuition at any private school, secular or religious. Through Empowerment Scholarship Accounts, each participating family receives about 90 percent of the money the state would have spent on the child’s public school education—around $7,000 per student per year—for private school tuition. For the 2024-2025 school year, the Dream City Christian Academy annual tuition ranges from $10,450 in elementary school to $13,999 in high school—so families of the school’s nearly 800 students can use state funds to pay for between half and two-thirds of their tuition bill. Dream City Christian Academy received almost $1 million in tuition voucher money last year, the Arizona Republic recently reported.

Since Arizona passed its universal voucher law, 10 more states have followed suit. According to an analysis by Education Week, 29 states currently have programs that provide such assistance to a variety of different students many of whom attend local public schools that perform poorly. It also targets those with a disability that requires specialized education and those whose families earn significantly less than the federal poverty level. More programs are in the works: Lawmakers in both Louisiana and South Carolina recently advanced bills that would create programs like Arizona’s that are open to all students. When state funds are available for private school choice programs, a recent Washington Post analysis found that religious schools receive upwards of 90 percent of that money.

[...] A prerequisite for students and their families to attend some of the schools that currently receive voucher money is that they accept Jesus Christ as their lord and savior. In March, the education blog Notes from the Chalkboard highlighted one such school. Students attending North Carolina’s Daniel Christian Academy, are trained to “enter the Seven Mountains of Influence,” a main tenet of a Christian Nationalist movement known as the New Apostolic Reformation. Its adherents believe that the faithful are called to seek Christian control of the “seven mountains” of society: family, education, media, government, business, arts & entertainment, and religion. Many New Apostolic Reformation followers believe that waging “spiritual warfare” is justified in achieving these goals, though Daniel Christian Academy specifies that its endorsement of the Seven Mountains Mandate “in no way includes violence or manipulation at any level.”

Americans United for Separation of Church and State’s Laser worries that the proliferation of private school voucher programs will open the door to even more permissive rules around the use of public education dollars to teach religion. She points to a suite of bills that would allow public schools to employ chaplains, and even more remarkably, to an Oklahoma Catholic school called St. Isidore of Seville, which is set to become the nation’s first Christian public charter school this fall. The overarching goal of these initiatives, she says, is to “bestow a power and privilege on Christians in our country, at the expense of all the other religions in America.” Meanwhile, public education is robbed  “of the funding that it’s entitled to.”

Mother Jones reports on the disturbing trend of Christian Nationalists opening taxpayer-funded private schools with the intention to indoctrinate students with right-wing politics and a Christian Nationalist worldview.

[wttcsms]

i love your writing every time i read a post i know it’s going to permanently engrave itself into my brain 😌 i’m studying accounting rn (rip) and i’m nosy but did you go the route of cpa/big 4 or did something different? i’m kinda nervous if i don’t go into public accounting but it sounds horrific and wanted to know other people’s experience 😭 sorry if that’s too personal

i did something different haha. i recently graduated with my master’s in accounting and im now going to begin studying for the cpa exam and take my first section (FAR) at the beginning of 2025. im in a very specialized/niche field of auditing, not necessarily by choice LOL. i actually received a fellowship with the entity i am working with now and so they paid for my entire grad school tuition (including books and other fees) and in return, i work for them for the next two years. truthfully, i don’t think big 4 is worth it. back when i was in undergrad, i didn’t go the usual public accounting route bc that simply did not seem like the vibe. i actually went and got a junior year internship w jp morgan (private banking division) & what i learned is that accounting is so versatile. you are eligible for so many jobs within the finance field, accounting is a very technical subject and it comes in handy bc lots of finance jobs (corporate, at least) have to spend time understanding financial statements.

before i graduated with my bachelor’s, i also received two job offers that weren’t public accounting. both were financial analyst roles, one was with a&f (so working corporate for a fashion brand) and the other was with lockheed martin (weapons manufacturing) so two completely industries yet they both wanted me, which goes to show how far you can go with an accounting degree and i will say that they paid very well in comparison to what the starting salary of big 4 is.

this isn’t me shitting on big 4 but i think there’s so much emphasis in universities that this is the optimal route and it really isn’t. you can think abt any major company or brand and i promise you, they need people to work as an internal auditor or as a financial analyst or someone who works within accounting/finance. several of those positions, esp for entry-level/new graduates, won’t even require a cpa or cpa eligibility.

all that to say, i actually want to go an even more insane route and pursue academia, so im really focused on phd applications starting next year :)

[shamebats]

I feel like it's harder to be poor in America than other much poorer countries in part because they have all the poverty but none of the poverty culture. When I was a student, there was an expectation that we probably won't be able to afford the textbooks and everything we needed so our teachers didn't care if we used photocopies, bought old textbooks from older students and borrowed books from the library. At university, some professors would even leave materials we needed at the photocopy place next to the uni so we could all get a copy if we couldn't afford the 20-30€ it cost to buy each book new. We signed petitions & fought back against tuitions being implemented because most of us couldn't have afforded them (& we won!).

Then I hear about how much poor Americans pay for stuff and how it's just expected of that and I'm baffled because where I'm from, having a credit card at all is rare, especially for poor & young people. So as a consequence, things operate more on a "what do I have on my bank account right now" level. You're poor if you don't have money. You won't be expected to borrow it & go into debt.

I never felt singled out as a kid for not having nice stuff or the clothes I wore. There was always a sort of poverty-solidarity among people that Americans don't seem to have as often.

[actiongrrl]

|| Family Matters

-- Sam's immediate family consists of her dad, her mom, and her brother (Plus pets Rudy, and Rin Tin Tin). However, that is not her living situation. When she was about 12, her parents divorced and Sam chose to live with her dad and brother. Her mom relocated to Malibu, while her dad moved to Topanga. Overall, she has a good relationship with all of them- Despite being more similar to some than others.

-- Scott Giddings is a Professor of Sociology at UCLA, teaching Spirituality & Social Justice classes (A Plus as she gets a tuition discount going to Berkeley). If Sam had to pick a parent that she took after the most, it was certainly her dad. While her dad borders hippie, Sam tends to just have feet in the 'Crunchy' side of the ranking. Upon a quick observation, it's not hard to see that Sam takes after Scott in ideals, interests, love of nature, Vegetarianism, etc. And speaking of interests! Scott used to be quite an accomplished boulderer and taught Sam everything he knew. However, an accident that injured his lower back and hip ended that hobby early. Sam was 13 and quickly had to grow up and mature to learn something about care giving. His injury left him reliant on mobility aids (Cane and a wheelchair depending on pain and mobility level that day). In order to help his independence, Scott has a service dog named Rin Tin Tin (Or Rinny) to help him with certain tasks. Certified Good Boy.

-- Angela Masters is a financial analyst in Malibu and LA. Sam often describes her mother as a ‘Finance Bro’, with how dedicated she is. While she loves her mother, Sam did often say that Angela should have had adult children out of the womb. They got along well enough, but her mom was always the type to throw herself in her work and was dedicated to it. The dedication to climbing the corporate ladder didn’t really leave her mom with very nurturing tendencies. But as Sam has gotten older, she’s appreciated her mom more, seeing as the woman’s ambition directly benefits herself and her brother. Though, when she was younger, the differences in personality tended to leave the two at odds.

-- Cody Giddings is Sam’s brother, and her senior by about 3 years. When they were younger they did tend to torment each other but grew closer after their dad’s accident. Sam looked up to Cody a lot and still does. She wishes that she was as easy going and unbothered as her brother (Or, more accurately, as unbothered as he seems). When not at school and helping out their dad you can find him surfing at all sorts of Southern California beaches. He also hikes, swims, and plays soccer still, usually to help Sam practice. However he’s a nice mix of both his parents, definitely leaning crunchy himself, but going to school for Accounting at Angela’s urging (Combining his math abilities with financial security).

Fun Facts;

Scott and Cody gave Sam her nickname of ‘Bird’ because she would flit about with energy when she was younger.

Sam’s hair is naturally curly but she doesn’t like it (She, in fact, doesn’t know how to take care of curly hair) so Angela would help Sam curl her hair with a curling iron every day until Sam started doing it herself

Angela’s best friends are actually Chris’ parents

Cody makes fun of Sam for dating the ‘Class Prez’ but he likes Mike.

[thesummerstorms]

My brother

(who works in tech and had the options of living at home after graduation to build a nest egg because us older kids had already been cleared out AND of paying mom his tuition back instead of having to take out everything in loans like I had to as the oldest who started college when Mom and her husband were both still in college themselves and they were supporting four of the five of us)

just randomly ambushed me to tell me our parents told him to take "a few thousand" out of the bank just in case because the FDIC might be going away.

Like.

My whole chest just feels tight now.

I have enough extra that I could probably handle a flat tire and a few extra smaller expenses and still eat fast food a few times. I don't have a savings account. I'm a public school teacher with enough medical conditions that I literally pays hundreds EVERY month in addition to paying out the nose for the most expensive health insurance premium.

I could definitely be a lot worse off.

But I don't have even "an extra thousand" to take out of the bank.

I am a public school teacher at a school already suffering under budget and staff cuts staring down the barrel of lots of our funding being cut if something happens to the department of education.

I already can barely afford/justify my dexcom, and they want to hike insulin prices back up and get rid of the protections for people with pre-existing conditions.

I am a woman who will never marry and who is deeply terrified of the idea of being forced to be a mother.

Like, these things just keep being casually dropped on me out of nowhere that are terrifying and clearly show even the most level members of my family preparing for the worst case scenarios.

And I can't even prepare because I'm not in a position that I can do much about most of it.

(Also my elected officials who I have never once voted for are actively helping burn it all down.)

Again I could be in a worse position, but the fact that basically my entire family is hunkering down and preparing for it to get bad and all I can do is... Keep going to work? Has my whole chest constricted.

[onlinecoachingclass]

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[rakeshraseo321]

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Are you searching for the best tuition in Singapore? Many students need help understanding accounting concepts, but anyone can become an expert in the field with the correct instruction. Aceyourpoa specializes in offering top-notch Principles of Accounts (POA) instruction in Singapore to assist students in achieving academic success. You can visit our official website to learn more about our outstanding tuition services and our teachers. 

[eligible-advisor]

The single most powerful asset we all have is our mind. If it is trained well, it can create enormous wealth.

The Art of Saving Money

One of the toughest challenges for any individual is mastering the art of budgeting and having a consistent amount of savings every month. 

I just learned about Kaikebo, a Japanese technique for budgeting that's over 100 years old. It combines mindfulness with spending decisions and helps you simply take control of your finances.

The kakeibo is a simple budgeting journal from Japan that helps you save money by setting goals and tracking spending. It encourages mindful thinking and reflection to improve your saving habits every month.

Kakeibo is a budgeting method that involves tracking every purchase, categorizing spending into needs, wants, culture, and unexpected expenses, and regularly reviewing expenses to track progress toward financial goals. The four categories of spending in kakeibo are needs, wants, culture, and unexpected expenses. Kakeibo is popular because it aligns with the Japanese value of "mottainai" and provides a straightforward way to manage finances.

Saving money is essential in today's fast-paced world for achieving financial independence, planning for life events, and creating a safety net. Developing a habit of saving can give you greater control over your financial future.

Kakeibo, a budgeting technique created by Japanese journalist Hani Motoko in 1904, helps individuals manage monthly expenses, understand spending habits, and practice frugality. It has gained popularity among young individuals for its effectiveness in saving for financial goals and accounting for unexpected costs.

Why i trust japanese art of saving money?

Between 1960 and 1994, Japanese households saved an average of one-sixth of their after-tax income, sometimes reaching nearly one-fourth, significantly higher than the 7.1% average savings rate of American households during the same period. While official statistics indicate that Japanese households are big savers, comparisons can be misleading due to differences in measurement across countries. Adjusting for these discrepancies, it appears that while Japan still saves more than the U.S., the actual difference is smaller than reported. Japan also has a higher savings rate in comparison to other countries, although there are various nations with differing savings behaviours.

Understanding the Kakeibo Method of Budgeting

The Kakeibo method is a Japanese budgeting technique that helps individuals manage their household expenses effectively. Created by journalist Hani Motoko in 1904, Kakeibo encourages mindful spending and can result in savings of up to 35% when practised consistently. The method involves categorizing all expenditures into four main areas: Needs (essential items for survival), Wants (non-essential luxuries), Culture (spending on cultural experiences), and Unexpected expenses (unforeseen costs). Practitioners maintain two notebooks to track their spending—one large notebook for categories and a smaller notebook for jotting down daily expenses. This process instils a sense of accountability and promotes financial discipline, aiding individuals in achieving their savings goals and preparing for emergencies.

How do you use Kakeibo in your life? An individual should use the following steps to incorporate Kakeibo in his life fruitfully:

1. Understand your fixed expenses You start with analyzing the monthly expenses, including your monthly fixed expenses such as rent, utility expenses, loan emis etc.

Fixed expenses are consistent monthly costs that are predictable and easy to incorporate into a budget, unlike variable expenses which fluctuate based on production levels. Key examples of fixed expenses include rent or mortgage payments, car payments, insurance premiums, property taxes, utility bills, child care costs, tuition fees, and gym memberships. To calculate fixed expenses, one should gather their budget or income statement, identify the non-variable expense categories, and sum the amounts from each category. Managing fixed expenses is crucial as they can significantly impact overall spending and understanding these costs can lead to better resource allocation and budgeting decisions

2. Effective Budgeting: Tracking Income and Expenses Here you include all the sources of income you are going to have over the next month. For salaried employees, these include their monthly income, and you also add back the deduction such as health insurance premiums or provident funds that are deducted first before giving you your salary. Non-salaried individuals such as entrepreneurs and freelancers can work with a future income they expect to generate over the next month.

The text outlines the steps necessary for effective budgeting, which includes tracking income and expenses, and comparing the two to ensure spending is managed. Key points include: 1. **Tracking Income**: Monitor gross monthly income, which includes salary and bonuses. To calculate annual gross income, multiply your hourly wage by your weekly hours, then multiply by 52 and divide by 12 for monthly figures. 2. **Tracking Expenses**: Understand fixed costs (e.g., rent, insurance) and flexible expenses (e.g., food, entertainment). Utilize tools such as bank statements and receipts for accurate tracking. 3. **Comparing Income and Expenses**: Subtract total expenses from total income. A positive result indicates that you are spending less than you earn while a negative result shows overspending. 4. **Creating a Budget**: Set financial goals, adjust spending accordingly, and apply budgeting rules like the 50/30/20 rule to effectively allocate your income. This guidance helps individuals maintain financial health by promoting awareness of their earnings and expenditures.

The 50/30/20 Budget Rule with Examples

Explore the power of the 50:30:20 budget rule for effective financial planning. Learn how to manage your money wisely and achieve financial balance using this proven budgeting principle. Take control of your finances and pave the way for financial freedom.

3. Determining Your Ideal Savings Rate

Here you decide how much exactly you wish to save over the next month. The goals should be such that they are not easily achievable or unrealistic that you can’t save anything.

Determining your ideal savings rate is influenced by individual financial situations, lifestyles, and goals. Experts recommend setting aside at least 20% of monthly income for savings, which aids in creating an emergency fund, managing unexpected expenses, and planning for long-term objectives such as retirement.

4. Analyze how much you can spend These expenses include all the expenses apart from your fixed expenses. Let’s try to understand all of these with an example. Let us assume you have an Income = 50000 Fixed Expenses (Rent, Utilities etc.) = 20000 Saving Goals = 10000 Then considering the above four points, the amount of money you are left to spend monthly is as follows: The money you can spend = Income – Fixed Expenses – Saving i.e. The money you can spend = 50000 – 20000 – 10000 = 20000 Thus, as an individual with a 50000 income, you are left with 20000 to manage all your expenses apart from your fixed expenses. Spend analysis is a method for understanding spending habits and identifying cost-saving opportunities. 1. Goal Identification: Clearly define what you aim to achieve with spend analysis, whether it's cost reduction or enhancing supplier performance. 2. Data Gathering: Collect all relevant spending data to ensure comprehensive analysis. 3. Data Management: Clean and organize this data to enhance accuracy and usability. 4. Spending Categorization: Group expenditures into categories to facilitate analysis. 5. Trend Analysis: Examine spending patterns to identify trends and recurring expenses. 6. Improvement Opportunities: Highlight areas where costs can be lowered or supplier performance can be enhanced. 7. Ongoing Monitoring: Regularly revisit and update insights to ensure they remain relevant. 8. Cost Reduction: Leverage insights to pinpoint specific areas for spending cuts. 9. Efficiency Improvement: Use findings to streamline operations for better efficiency. 10. Risk Mitigation and Strategic Support: Assess potential risks and utilize insights for informed strategic decision-making regarding investments or expansions.

By analyzing total expenditures, and zeroing in on specific business units, products, quantities, payment terms, and more, you get the answers to four crucial questions: What are we spending money on? Who are we spending it with? Are we getting what we need? Is there a better way to do this? The analysis can either be a comprehensive one or target just different categories of spend. Make your track record up to date regularly.

5. Divide the spending money by 4 The assumption being we have four weeks within a month. As an individual with 20000 spending money, you are allowed to spend a maximum of 5000 every week. Thus it would be best if you restricted your weekly expenses to 5000 such that you do not ever go over budget

The 40/30/20/10 rule is a budgeting method that allocates income into four distinct categories to help individuals manage their finances effectively. Key insights include: 1. Categories Explained:

The rule divides income into needs (40%), discretionary spending (30%), savings or debt repayment (20%), and charitable giving or financial goals (10%).

2. Needs Definition:

The 40% allocated for needs covers essential expenses like rent, mortgage, utilities, and groceries.

3. Discretionary Spending:

The 30% set aside for discretionary spending includes activities such as dining out, entertainment, and shopping.

4. Savings and Debt:

The 20% portion is intended for saving money or paying off existing debts, promoting financial security.

5. Charitable Giving:

The 10% of income is earmarked for donations or other financial goals, encouraging philanthropy.

6. Comparison to 50/30/20 Rule:

An alternative budgeting method, the 50/30/20 rule, simplifies the approach by categorizing income into needs (50%), wants (30%), and savings/investments (20).

7. Flexibility:

Both rules allow individuals to customize their financial plans according to personal priorities and circumstances.

8. Promotes Financial Awareness:

Adopting such rules encourages individuals to reflect on their spending habits and make informed financial decisions. The 40-30-20-10 rule offers a structured approach to budgeting that divides income into specific percentages for necessities, discretionary spending, savings, and charitable giving. The rule is grounded in long-standing financial wisdom, emphasizing the importance of living within one's means. It suggests allocating 40% of income for necessities like housing and groceries, 30% for discretionary expenses, 20% for savings or debt repayment, and 10% for charitable contributions.This budgeting method helps individuals create a balanced financial plan, tailoring it to their unique situations Differentiating between needs (essentials for survival) and wants (desires) is crucial for making informed financial decisions.The rule serves as a guideline, allowing for flexibility based on individual financial circumstances. Understanding and applying the rule can lead to improved financial health and future savings. Alternative budgeting methods similar to the 40-30-20-10 rule exist, offering variations in allocations while maintaining core principles. It provides a clear framework for managing finances, making it easier to track and control spending.

The Kakeibo method is a Japanese budgeting technique designed to help individuals manage their expenses and maximize savings by fostering mindful spending habits. 1. Definition of Kakeibo: Kakeibo translates to "household financial ledger" and was developed by journalist Hani Motoko in 1904 to aid homemakers in budget management. 2. Spending Awareness: The method encourages individuals to reflect on their spending habits, distinguishing between needs, wants, cultural expenses, and unexpected costs to better allocate their finances. 3. Categorization of Expenses: Kakeibo divides expenses into four categories: needs (essentials), wants (luxuries), culture (enriching experiences), and unexpected expenses (unforeseen costs). 4. Expense Tracking: Practitioners maintain two notebooks—one for ongoing expense tracking and another for summarizing weekly expenditures according to the four categories, promoting accountability. 5. Establishing Fixed Expenses: Users should first determine their fixed monthly costs, such as rent and utilities, which are critical for accurate budgeting. 6. Income Analysis: Assessing all sources of income and accounting for deductions (like health insurance) is essential for creating a realistic spending plan. 7. Setting Savings Goals: It is crucial to establish a specific savings target each month that is neither overly ambitious nor too easy to achieve, ensuring financial growth. 8. Budgeting Monthly Spending: After determining fixed expenses and savings goals, the remaining income is allocated as monthly spending money, which can be divided into weekly limits to maintain discipline. 9. Weekly Review: A comparison of planned versus actual spending at the end of each week fosters reflection on financial behavior and allows for adjustments in future spending to stay within budget. 10. Mindful Spending: The method encourages ongoing evaluation of expenses, helping individuals distinguish between essential and non-essential purchases to preserve their savings goals.

Other Kakeibo Lessons Delay any non-essential purchase till the next month. If you still feel the urge for that item after a month, analyze its affordability and what value it may add to your life. Always carry a shopping list when going to market for your monthly purchase.

The Kakeibo method is a disciplined approach towards expense management. This method teaches us the value of each expense made and the sacrifices that need to be made to achieve our targets.

We don't have to be smarter than the rest. We have to be more disciplined than the rest.

Warren Buffet said

Expense management is important because it helps companies control costs, meet budgets, and comply with regulations.

Thanks to all authors who wrote

Date of Publish: 10/ Jan / 2025

[cloudiistudies]

— 115 Days of New Me 🌊

find my entries under the tag #115 days ☁️

My Goals

work out, build muscle

gain weight healthily

study like my life depends on it

work hard and memorize my script for work

take better care of my hair, skin, and body

make new friends

learn to be outgoing

save for tuition/moving out in 2026

get better part time work (i work as a tour guide :P)

level up my wardrobe

do something creative every day

Summary + reasoning under the cut

I recently went through a breakup (◎ ◎)ゞ this is my way of getting back at him— through self improvement. I always compared us and felt like he was too good for me, so this is my way of showing myself that I am good enough and even better than him.

I want to take better care of my health, glow up by treating my skin, hair and body right, and level up my wardrobe so I’m not still wearing clothes I bought when I was 14!!

I chose 115 days instead of 100 because this challenge will end right as my semester ends at school, so I can spend winter break looking back at my progress ( ˘ω˘ )

I am not taking any language classes because I satisfied my GE requirement, so I will continue to study and hopefully improve my Japanese. I also want to pick up some more conlangs!!

I also want to work hard and get a new job- I hate my job as a tour guide. I want to get a job with more hours so that I can save up for tuition, because I plan on putting myself through college and my PHD. Ambitious, I know, but I know I can do it.

I am currently attending community college so I have 2 years free where I can save! However, I also want to move out of my house, which means more expenses in 2026. All the more reason to work hard.

Please join me on this journey! I will post a short entry every day about my progress. You can help keep me accountable!!!

[otakusparkle]

Hmm... I was wondering if I can sold (or maybe someone will buy) my Nikke account

Everyone is still build-able because I only play for the event story

I rarely play champaign if it's not for diamond

I have almost everyone, Nihilister is still on the way (like really close, just do her daily mission and you'll get her)

I have everyone in the Abnormal except for Power CSM. The reason is because I don't really like her that much, I prefer Makima 😔

I have everyone in Pilgrim except Dorothy because I waste all of my ticket and diamonds for Nero 😭😭😭

Nikkes are very easy to come home (except Nero 💀, unfortunately my waifu)

It's veteran account because I play it since beta and the first release

The level are already 200+

I never even once pay for the game, the Nikkes come easily (except Nero)

The reason why I want to sell it, is because I'm already busy with irl and also IDV have way too many event nowadays so I will only focusing for Identity V (especially Eli Clark). Also most of my friends are in Honkai and Genshin fandom so... Yeah. It's not that fun when I can't ramble about Nikke 😭😭😭

Also because I need money for my college, helping my parents 🙏 (Don't worry, me and my parents are okay. I just wanna help them paying my tuition and such)

I play in Japan server because they have more free diamonds code there 🙏

I'll be selling my account with $500 and I'll be using PayPal for the payment

Thank you in advance and for anyone who bought my account, please take care of all my girls there 🥺🙏🩷

(Reblog and share are very appreciated 🙇‍♀️)

[cassowary-rapture]

Oh. I knew the schools participating in the NC Promise program capped in-state tuition at $500/semester, but apparently they have discounted out-of-state tuition, too ($2,500/semester)!

I don't know if that actually matters since kind of the main thing for me is dental and health insurance for dental work and ADHD treatment. Particularly the latter since I know from experience that I cannot handle college without ADHD medication

But still. Pretty cool!

I don't know. I guess if I really want to do this I could take out loans to cover...housing? Idk. If I could get on medication and get established re: petsitting I wouldn't need it, really. Rent is cheap in/around the closest NC Promise school (Fayetteville). I could get Medicaid and food stamps

Anyway I have decided on accounting. There are more appealing majors but not more appealing careers, really. Partly because I really, really like working from home. I could definitely do that with an accounting degree. Maybe not immediately, but after a year or two. Or immediately? I've been working from home for like a decade so maybe it would be easier for me to find a remote position than other recent grads

Entry-level positions pay ~$50k/year and I'm used to living on $20k/year or less, so while it would be nice to avoid taking out loans, I could pay them off quickly once I got a job

Oh god it's the last day to apply without having to pay a $50 application fee and I'm stuck on the personal statement. Time to go on about how fucking obsessive I am while avoiding actually using the word "obsessive" because that would probably make me sound a bit unhinged lol

Also I guess I'm applying to attend starting in January??? Which is very soon??? But I can't think of a good reason to put it off and that is really enough time. I think

They do have an online program but I am terrible at online classes. Well, the programming class I took was totally fine. I think pre-calc trig might've been fine if it'd been a normal class vs. an accelerated summer semester one. But the other four were really bad

I guess I could try it for spring semester and if it went poorly, I could move to attend in person? I don't know but that would be a bit less drastic than taking out a $20k loan and moving states

But I can't afford healthcare here and I need ADHD medication for this. I guess I could stay here and take out a loan to cover treatment? That would certainly be cheaper

Ugh whatever. I guess I'll put the online program as my first choice, the in-person one as my second and figure it out later

Edit: Done!

[eaglesnick]

“The world is governed by very different personages from what is imagined by those who are not behind the scenes.”

Benjamin Disraeli

When the nation overwhelmingly voted the Conservative government out of office they did not expect to be electing Tony Blaire as Prime Minister, but that is exactly what they have done. Sir Keir Starmer may be fronting the new Labour government but it is Tony Blair who is Prime Minister behind the scenes.

The signs were there a year ago for all to see. The Financial Times reported that Starmer had told them:

“Labour should stop trashing Tony Blair - a hate figure for many on the Labour left - especially after pushing the UK into the Iraq war. ‘We have to be proud of that record in government and not be arm’s length about it.’ “ (FT: 07/06/23)

In December the same year we have this headline:

“The moment Keir Starmer revealed himself to be a hardcore Blairite”. (Independent: 12/12/23)

The Blairite government of 1997- 2008 did some good things. Sure Start and adequate funding for the NHS are the most frequently cited examples of good Labour policies. But his list of failures is greater.

He tore up the principle of free university education at the point of delivery and introduced tuition fees. Thanks to Blaire:

Almost 1.8m people owe £50,000 or more in student debt” (BBC News:  02/07/24)

That is a collective student debt of £90,000,000,000.

Blair’s legacy of economic mismanagement goes further and has affected all of us. In 1997, when Blair was elected to office, average income was £15,000 a year, while the average house price was £65,000. When Blair left office in 2007, the average wage had risen to £20,000, but the average house now cost £190,000. In short, under Blair, house prices nearly trebled in price while wages only increased by a third.

The sad fact is, Blair, like governments before and after him, failed to make housing a priority and we are all suffering the price of that policy decision today in the form of a chronic housing shortage, unaffordable rents, and property prices beyond the reach of the vast majority of the population.  

At the same time as house prices were rocketing, the Blair government presided over a massive fall in industrial output. Investment Monitor (24/11/20) reported that manufacturing:

 …”declined in importance with regard to its role within the British economy faster under Blair than under any previous prime minister. The industry accounted for more than 20% of GDP in 1997; by 2007 – when Blair left Number 10 to be replaced by Gordon Brown – this had fallen to 12.4%, and when Labour were voted out of office in 2010 the figure was 10%.

More importantly, when Blair came to power in 1997, income inequality, after years of Thatcherite policies, was at historically high levels, and relative poverty was on the increase. Despite 11 years of a Blairite Labour government ordinary working people saw little change in their economic position, yet under Blaire the rich and wealthy flourished.

“Income inequality changed little...those on relatively low incomes did a little better than those with incomes just above average. However, those right at the top saw their incomes increase very substantially with the result that, on most measures, overall inequality nudged up slightly.”  (Institute for Fiscal Studies: 2013)

In short, under Blairite policies the rich became richer at the expense of ordinary working families.

The Labour Party came into existence to better the lot of working class families. This goal was written down in Clause 4 of the Labour Party Constitution part of which states:

“To secure for the workers by hand or by brain the full fruits of their industry and the most equitable distribution thereof that may be possible upon the basis of the common ownership of the means of production..."

Implicit in the notion of “common ownership” is the equal distribution of the wealth generated by those commonly owned industries. This was one of the binding principles of the Labour Party up until 1995 when Tony Blaire tore up this socialist, egalitarian ideal and replaced it with a bland statement that amounted to little more than a wish list but no clear indication how those wishes were to be achieved. Gone was the commitment to secure for workers just wages, gone was the commitment to nationalization, and gone was the Labour Party's commitment to socialism.

Twelve years after leaving office, Margaret Thatcher was asked what she considered to be her greatest achievement and is famously reported to have replied: "Tony Blaire and New Labour". What she meant by this is that Tony Blaire had abandoned Labours historical commitment to socialism and greater economic equality, and had instead adopted her philosophy of minimum state protection for workers, the pursuit of corporate profit at any cost, the deregulation of the financial industry and the privatisation of  public assets.

What resulted was the financial crash of 2008, a massive housing shortage as public bodies were no longer allowed to build houses, the gradual erosion of workers pay while the rich became even richer, and national assets such as water and railways being run for private profit rather than providing a decent public service.

Starmer will pursue the same policies as Blaire because he is an unashamed Blairite: This was Sky news headline on 23/05/23:

“Sir Keir Starmer promises his Labour reform will be like Tony Blair's Clause IV 'on steroids'

So next time you look at our new Prime Minister remember who is the puppet master and who the puppet.