#and Financial Planning

[ipasantosh]

Diploma in Taxation 

[aardvaark]

technically sort of true things harry could potentially tell his mom that aren’t "i’m working with a team of thieves now":

"i do pro bono/volunteer work - using my legal knowledge and experience - for an international organisation which helps people seek justice from exploitative employers" (very true, sounds very reasonable, but why not spice it up a little?)

small theatre productions of original plays for private audiences

"well it’s not worse than what i was doing before, soooo…"

show her a picture of the Old Nate portrait and tell her thats the founder of the company

"have you ever heard of robin hood?"

joined a very intense improv class

working with some very high profile people and companies, naturally it’s all very confidential

"sophie provides advice for the people we work with. she’s… a consultant."

cosplay (explains the costumes)

"you know how i used to fix rich people’s problems? well, it’s kind of the other way around now."

criminal justice

financial planning

"thats classified"

helping to settle legal matters out of court

"breanna does the tech work, so does hardison when he’s available, though he’s often travelling to help manage other teams. to be honest i don’t really understand all the computer stuff so i can’t explain it."

"parker’s part of the work largely involves finances."

well, it definitely has a lot to do with the law!

"we provide… leverage"

[theambitiouswoman]

Basic Financial Rules To Live By 💰✨

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[savvysquid]

Discord shenanigans haha

I love drawing the cabinet guys

[naomiknight-17]

Welp. Seems to be that time again.

Despite budgeting very carefully for my much-needed counter replacement this past week, there were unexpected costs when we discovered damage to the plumbing under the sink

Unfortunately, getting the plumbing up to snuff put us painfully outside our budget, as seen here:

Leaving my bank accounts looking like this:

I know things are tough all over right now, but if you're reading this and you enjoy my blogs and maybe want to send a tip my way, now would be a super good time to do so. Or maybe share this around if that works for you.

Either way, thank you for reading this, and all the best to you

[iggyshippingcorner]

big stobotnik doodle dump from the last few days! i almost never get big sketch pages and so it was such a delight to zone back into my body to find I had filled the canvas…

enjoy my fiddling with cybernetic designs and badnik styles! take a peek at image alt for more info :)

[caffichai]

Patreon!

Hello! I've been asked a couple of times about a Patreon or Kofi, and I've finally gotten around to setting one up!

I'll still eventually be posting most of my finished art to my public access accounts, but supporters will receive a great deal of gratitude and early access to my art backlog, extra pieces, as well as access to some extra polls! (and the ability to suggest poll items, commission reservations, and discounts equivalent to the tier price)

So... if you want to support me financially so I don't have to worry about stuff in my free time, I'll be super grateful! But if you can't / don't feel like it, no worries either, and you'll still get to see most of my stuff!

[sacredoraclez]

💫ᑭIᑕK ᗩ ᑭIᒪᗴ~ ᗯᕼᗩT Iᔕ Tᕼᗴ Tᕼᗴᗰᗴ Oᖴ YOᑌᖇ ᑎᗴ᙭T ᑕᕼᗩᑭTᗴᖇ Iᑎ ᒪIᖴᗴ~?!💫

💫~ᑭIᒪᗴ 1•ᗩᐯᗴᑎTᑌᖇIᑎᗴ~💫

moving on, going forward. instead of arguing with those that disagree with your being, embracing who you are and perhaps deciding to follow your soul path forward instead of arguing with folks. you can only go up- for your theme ahead shows that you can only move ahead towards embracing who you are and no longer entertaining those that don’t serve your purpose. no longer letting people downplay you. moving forward from people that don’t serve your purpose any longer. full steam ahead toward your true potential . discovering who you are and who you’re meant to be, no longer entertaining what isn’t meant your you. you are focusing on loving yourself and filling your own cup! independent, especially in the financial sector! stepping into this king of pentacles energy! focusing on the self, the potential, and your soul purpose! your overall theme is moving on full steam ahead with independence and focusing on you! go pile one! period!

~ᑭIᒪᗴ 1 ᔕᑭᖇᗴᗩᗪ~

💫~ᑭIᒪᗴ 2•ᑕᗩᖇᑎᗴᒪIᗩᑎ~💫

there’s something about stepping into something here. particularly stepping out of a financial loss. perhaps seeing through with a certain choice that could lead you out of a loss or recovery from some sort of financial loss. perhaps looking through choices or making a choice that you don’t exactly know what will come of it, but perhaps receiving some sort of wealth or money in return from making this choice. this would lead to an entire new beginning of a recovery from a financial loss. maybe leading to learning more about your finances. perhaps though your recovery you could be guided to not get so indulgent at first. perhaps in your next chapter, your moving into a more comfortable position than you were before or are currently. you’ll be gaining your strength back from this, regaining your power and control over your finances. taking off the shackles of what once perhaps had control over you, and freeing yourself. taking the shackles of instability off. you’re regaining your strength from this loss and in turn recovering from it! great news for you pile 2! hoping the best for you!

~ᑭIᒪᗴ 2 ᔕᑭᖇᗴᗩᗪ~

💫~ᑭIᒪᗴ 3•ᕼᗴᗰᗩTITᗴ~💫

there’s something about leading through emotions of turmoil or stress. maybe sadness or something causing imbalance. something about leading maybe yourself through a confusion and making a choice. a choice to what seems what would be more balanced more you. there could be an indecisiveness, being overwhelmed by what choice to make, but it seems you choose to lead yourself or others into balance. this could also be about making a choice through a relationship. perhaps turmoil in a relationship, and leading and making the choice into harmony. maybe you had a lot of choices in regards to this situation- whether to break up or stay together or something. take what resonates. something about choosing to be in harmony, perhaps turning something around into what used to be emotionally overwhelming. this could be a tough choice, perhaps leaving something that gave you a lot of passion, or going towards something that gives you passion. in the end, i see this choice leads you to transition and moving on from this energy of emotional turmoil. leading the way in your own life. going towards your own expectations. in the end, your next chapter seems to entail moving toward balance, towards letting go, and moving forwards. making the right decision for yourself and leading the way through your life. perhaps towards your passions and goals. interesting pile for you pile 3! i did ask where you are headed with this 6 of swords of moving ahead, and alone is where it seems! i think alone on your journey, going toward harmony- very interesting!

~ᑭIᒪᗴ 3 ᔕᑭᖇᗴᗩᗪ~

💫I ᕼOᑭᗴ YOᑌᖇ ᗰᗴᔕᔕᗩᘜᗴ ᖇᗴᔕOᑎᗩTᗴᗪ, ᗩᑎᗪ I ᗯIᔕᕼ ᗩᒪᒪ Tᕼᗴ ᑕOᒪᒪᗴᑕTIᐯᗴ ᗩ ᘜᖇᗴᗩT ᒍOᑌᖇᑎᗴY ᖴOᖇᗯᗩᖇᗪ~!

🪼ᖴOᖇ ᑭᗴᖇᔕOᑎᗩᒪ ᖇᗴᗩᗪIᑎᘜᔕ, ᔕIᗰᑭᒪY ᗴᗰᗩIᒪ Oᖇ ᗰᗴᔕᔕᗩᘜᗴ ᗰᗴ! ᗰY ᖇᗩTᗴᔕ ᗩᖇᖇ ᑎOᗯ ᑌᑭ Oᑎ ᗰY ᑭIᑎᑎᗴᗪ ᑭOᔕT, ᗩᑎᗪ I ᗩᗰ Oᑭᗴᑎᗴᗪ ᖴOᖇ ᖇᗴᗩᗪIᑎᘜᔕ!

💫TIᑭᑭᗴᗪ Oᖇᗩᑕᒪᗴ ᑫᑌᗴᔕTIOᑎᔕ ᗩᖇᗴ Oᑭᗴᑎᗴᗪ TOO~

🪼💫ᒪOᐯᗴ YOᑌ ᔕTᗩᖇᒪIᑎᘜᘔ, I ᕼOᑭᗴ YOᑌᖇ ᗰᗴᔕᔕᗩᘜᗴ ᘜᗴTᔕ TO YOᑌ~!💫🪼

💫ᔕᑌᗷᔕᑕᖇIᗷᗴ TO ᗰY YOᑌTᑌᗷᗴ ᗩᔕ ᑕOᑎTᗴᑎT Iᔕ ᔕOOᑎ TO ᑕOᗰᗴ~!!💫

[paepaerest]

Some old troll dads as humans doodles. Left is before, after is revamp/after. I got bored and used my free time to design their female counterparts... now ofc separate from the books because Aaarrrgghg was originally a woman and now thinking of that I MAY want to bring some light onto her design.. and character, if I can. But I do lack insight of how the original book is like. Definitely going to read it over this summer, or whatever

I loooove them dearly let's yap about it!

I thiiiiink they'd like to hug, cuddle, n be fuzzy about it. I like that AARRAGG would hold blinky as they hug. So cute 😊 each experience holds that same fondness and affection but sparks a slightly different impression and in every scenario that I could make out for example-One time it would be out of pure love (so awesome), the other being from the effects of long distancing then to be reunited again because they have been constantly starving for each other's love, another being just for fun. You get me?

🦐🐢🪲🪱🌵🪻💚🩵

[aurorangen]

What were nerves at first, gradually turned into confidence. Vincent was glowing with happiness talking about Renee, first expressing his love and commitment to her, to ending with the big question. "I love your family and I love your daughter so much. And I wanted to ask for your blessing to marry her." He looked at his future father-in-law, whose face was brimming with delight , "Of course you have my blessing! Come here!"

"Oh and stop with this Bryce nonsense! Call me Dad," Bryce said giving Vincent's shoulder a reassuring squeeze, "I mean I don't want to force you or anything, just know you can always lean on me." Given the situation of his own dad, addressing someone this way felt so foreign to Vincent. By all means, he saw Bryce as a father figure, but he didn't feel comfortable or close enough to call him that yet. "Thanks...Dad," Vincent smiled, touched by his words.

They spent the next moment bonding, with Vincent speaking from the heart about his respect for the Reichmanns and Bryce imparting some wisdom, cracking jokes along the way. When they heard the car outside, Bryce asked, "Anything I can do to help with the proposal?" "Keep this a secret from Renee," Vincent grinned, just when she opened the front door. "What are you two talking about?"

"I was just asking Dad when he is going back to Sulani. You and I need a little break, a weekend getaway before work starts kicking our ass."

No words just 👶

[badbarbiedollxx]

Your paycheck, my play money. Your orgasm, completely optional. My amusement watching you squirm? Priceless. So, are you gonna beg nicely or just start sending?

[loverboy-havocboy]

if anybody has art requests, your local boy is Struggling Monetarily and i don't really have the brain power to make a whole post or figure out pricing so like. pay what you want? and i will draw you a picture?

ko-fi • c app • v app

mutuals can ask for p app but. deadname on there so be eyes closed no see please <3

[saikikdoodles]

Mermay [ daily click 🇵🇸 ]

[theambitiouswoman]

Wealth Building: Money Topics You Should Learn About If You Want To Make More Money

Budgeting: This means keeping track of how much money you have and how you spend it. It helps you save money and plan for your needs.

Investing: This is like putting your money to work so it can grow over time. It's like planting seeds to grow a money tree.

Saving: Saving is when you put some money aside for later. It's like keeping some of your treats for another day.

Debt Management: This is about handling money you owe to others, like loans or credit cards. You want to pay it back without owing too much.

Credit Scores: Think of this like a report card for your money habits. It helps others decide if they can trust you with money.

Taxation: Taxes are like a fee you pay to the government. You need to understand how they work and how to pay them correctly.

Retirement Planning: This is making sure you have enough money to live comfortably when you're older and no longer working.

Estate Planning: This is like making a plan for your stuff and money after you're no longer here.

Insurance: It's like paying for protection. You give some money to an insurance company, and they help you if something bad happens.

Investment Options: These are different ways to make your money grow, like buying parts of companies or putting money in a savings account.

Financial Markets: These are places where people buy and sell things like stocks and bonds. It can affect your investments.

Risk Management: This is about being careful with your money and making smart choices to avoid losing it.

Passive Income: This is money you get without having to work for it, like rent from a property you own.

Entrepreneurship: It's like starting your own business. You create something and try to make money from it.

Behavioral Finance: This is about understanding how your feelings and thoughts can affect how you use money. You want to make good choices even when you feel worried or excited.

Financial Goals: These are like wishes for your money. You need a plan to make them come true.

Financial Tools and Apps: These are like helpers on your phone or computer that can make it easier to manage your money.

Real Estate: This is about buying and owning property, like a house or land, to make money.

Asset Protection: It's about keeping your money safe from problems or people who want to take it.

Philanthropy: This means giving money to help others, like donating to charities or causes you care about.

Compounding Interest: This is like a money snowball. When you save or invest your money, it can grow over time. As it grows, you earn even more money on the money you already earned.

Credit Cards: When you borrow money or use a credit card to buy things, you need to show you can pay it back on time. This helps you build a good reputation with money. The better your reputation, the easier it is to borrow more money when you need it.

Alternate Currencies: These are like different kinds of money that aren't like the coins and bills you're used to like Crypto. It's digital money that's not controlled by a government. Some people use it for online shopping, and others think of it as a way to invest, like buying special tokens for a game.

[bitchesgetriches]

Ask the Bitches: “Do Women Need Different Financial Advice Than Men?”

Today on Ask the Bitches, we’ve got a GREAT question about whether women need different financial advice than men. And it was asked by… A MAN?!

(Cue: crashing thunder, rain SFX, opening cords of “It’s Raining Men.”)

That’s right, doubters and haters. Despite our joyless misandrist ways, we’ve got male readers. We’ve even got male readers who are so into what we talk about they’re willing to pay us for our work by becoming Patreon donors!

One such donor asked us a thought-provoking question about gender and money that initially kinda stumped me. In short: do women need different financial advice than men?

Keep reading.

Did we just help you out? Say thanks by donating to our Patreon!

[glowettee]

hi mindy!! i was just scrolling through your page and wanted to ask on tips for searching for scholarships/preparing for my senior year of high-school? i've been stressing a bit because of my grades and want to at least get a bit of a boost before my senior year starts! any help you can provide is greatly appreciated!!

✧・゜: scholarship hunting & senior year prep: :・゜✧:・゜✧

hey lovely! ✨

thank you so much for your ask! i remember that pre-senior summer anxiety so well, that weird mix of excitement and complete terror about the future. first of all, take a deep breath. you're already ahead of the game by thinking about this now instead of scrambling in october (like i did, classic me behavior).

⋆.ೃ࿔:･ scholarship hunting secrets ･:࿔ೃ.⋆

let's talk about finding free money first, because who doesn't love that?

𝘴𝘵𝘢𝘳𝘵 𝘭𝘰𝘤𝘢𝘭: the absolute best scholarships are often the small local ones! check with your:

community foundation

parents' employers

local businesses

religious organizations (if applicable)

civic groups (rotary, kiwanis, elks lodge) these typically have way fewer applicants than national scholarships!

𝘤𝘳𝘦𝘢𝘵𝘦 𝘢 𝘴𝘤𝘩𝘰𝘭𝘢𝘳𝘴𝘩𝘪𝘱 𝘳𝘦𝘴𝘶𝘮𝘦: make a master document with:

your activities/leadership positions

community service hours (with specific impact numbers!)

awards/honors

special circumstances or hardships

career goals having this ready makes applications so much faster!

𝘴𝘦𝘵 𝘶𝘱 𝘢 𝘴𝘺𝘴𝘵𝘦𝘮: create a spreadsheet tracking:

scholarship name

amount

deadline

requirements

status (applied/pending/rejected/awarded)

essay prompts (many can be recycled with tweaks!)

𝘶𝘴𝘦 𝘵𝘩𝘦 𝘳𝘪𝘨𝘩𝘵 𝘵𝘰𝘰𝘭𝘴:

fastweb.com

scholarships.com

goingmerry.com (my personal fave, it aggregates and lets you apply to multiple at once)

your school counselor's list (they often know about local ones not listed online)

𝘢𝘱𝘱𝘭𝘺 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘸𝘦𝘪𝘳𝘥 𝘰𝘯𝘦𝘴: there are scholarships for duck tape prom dresses, being left-handed, having the last name zolp… seriously. the more specific and unusual, the less competition!

𝘥𝘰𝘯'𝘵 𝘪𝘨𝘯𝘰𝘳𝘦 𝘴𝘮𝘢𝘭𝘭 𝘢𝘮𝘰𝘶𝘯𝘵𝘴: those USD 250-500 scholarships add up and often have way fewer applicants.

⋆.ೃ࿔:･ grade rescue mission ･:࿔ೃ.⋆

about those grades... i've been there too! here's what helped me:

𝘵𝘢𝘭𝘬 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘵𝘦𝘢𝘤𝘩𝘦𝘳𝘴 𝘯𝘰𝘸: before senior year starts, email them asking if there are:

summer assignments you can get ahead on

extra credit opportunities

specific areas to focus on for improvement teachers love proactive students and are more likely to help you!

𝘴𝘶𝘮𝘮𝘦𝘳 𝘤𝘳𝘦𝘥𝘪𝘵 𝘳𝘦𝘤𝘰𝘷𝘦𝘳𝘺: many schools offer summer courses to replace bad grades. check if yours does!

𝘱𝘳𝘦𝘱 𝘧𝘰𝘳 𝘧𝘢𝘭𝘭 𝘤𝘭𝘢𝘴𝘴𝘦𝘴: if you know what you're taking, watch youtube videos on the subjects now. even 15 minutes a day gives you a huge advantage.

𝘣𝘶𝘪𝘭𝘥 𝘢 𝘴𝘵𝘶𝘥𝘺 𝘴𝘺𝘴𝘵𝘦𝘮: senior year is chaotic with applications, so create a sustainable study routine now before the chaos hits. i have soo many posts about studying + routines for studying.

⋆.ೃ࿔:･ senior year prep checklist ･:࿔ೃ.⋆

𝘤𝘳𝘢𝘧𝘵 𝘺𝘰𝘶𝘳 𝘤𝘰𝘭𝘭𝘦𝘨𝘦 𝘭𝘪𝘴𝘵:

2-3 reach schools

3-4 match schools

2 safety schools research their specific requirements now so nothing surprises you!

𝘱𝘭𝘢𝘯 𝘺𝘰𝘶𝘳 𝘴𝘵𝘢𝘯𝘥𝘢𝘳𝘥𝘪𝘻𝘦𝘥 𝘵𝘦𝘴𝘵𝘴:

register for fall sat/act dates now (they fill up fast!)

use free resources like khan academy for test prep

consider whether test-optional schools might be a good fit

𝘳𝘦𝘲𝘶𝘦𝘴𝘵 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘦𝘢𝘳𝘭𝘺:

approach teachers before senior year starts

provide them with a "brag sheet" of your accomplishments

give at least 3-4 weeks notice (minimum!)

𝘴𝘵𝘢𝘳𝘵 𝘦𝘴𝘴𝘢𝘺 𝘣𝘳𝘢𝘪𝘯𝘴𝘵𝘰𝘳𝘮𝘪𝘯𝘨:

the common app essay prompts are already available

jot down meaningful experiences/challenges/growth moments

draft a skeleton outline before school starts

𝘰𝘳𝘨𝘢𝘯𝘪𝘻𝘦 𝘺𝘰𝘶𝘳 𝘢𝘤𝘵𝘪𝘷𝘪𝘵𝘪𝘦𝘴 𝘭𝘪𝘴𝘵:

focus on depth over breadth

highlight leadership and impact

consider what story your activities tell about you

⋆.ೃ࿔:･ hidden senior year wisdom ･:࿔ೃ.⋆

𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘪𝘥 𝘴𝘦𝘤𝘳𝘦𝘵𝘴:

complete the fafsa as early as possible (opens october 1st)

use the net price calculator on college websites

consider applying to schools known for generous aid

look into tuition exchange programs if your parents work at a university

𝘣𝘶𝘪𝘭𝘥 𝘺𝘰𝘶𝘳 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘴𝘺𝘴𝘵𝘦𝘮:

identify an adult who can proofread applications

find a senior-year accountability buddy

join application-focused discord servers or groups

schedule regular check-ins with your counselor

𝘴𝘦𝘭𝘧-𝘤𝘢𝘳𝘦 𝘱𝘭𝘢𝘯:

senior year can be overwhelming

create a simple routine that helps you decompress

schedule application-free weekends

remember that your worth isn't tied to acceptance letters

⋆.ೃ࿔:･ my personal tips ･:࿔ೃ.⋆

keep a "wins" journal where you document every tiny achievement or proud moment, perfect for scholarship essays and fighting imposter syndrome

create email templates for reaching out to schools, teachers, and scholarship committees

set calendar alerts for deadlines 1 week and 3 days before they're due

find your application soundtrack (mine was taylor swift's folklore, don't judge me)

reward yourself after completing applications (i used face masks and boba tea as motivation)

remember that this is just one chapter in your story. i know it feels like everything depends on this year, but i promise you'll find your path even if it looks different than you expected.

sending you all the good vibes for senior year! you've got this!

xoxo, mindy 🤍

p.s. if you have specific questions about certain scholarships or schools, feel free to send another ask! i love helping with this stuff.