#books to learn finances

[greensproutblog]

The Best Books For Learning About Personal Finances

Your ability to make smart money decisions determines a lot about your quality of life. But, knowledge on how to manage your finances, save, invest, accumulate wealth, etc., is only sometimes known by learning. We at GreenSprout are dedicated to helping you make the best financial decisions for your family and future. Our GreenSprout team has outlined the best personal finance books and financial resources everyone must read before the year runs out.

The Best Personal Finance Books Everyone Must Read

I Will Teach You To Be Rich - Ramit Sethi

Ramit Sethi is a popular personal finance author. In this book, he outlines a six-week plan to live your best life according to your definitions. The book teaches its audience how to open high-yield savings accounts to earn interest, automate their account to save monthly, use credit cards, and maximize rewards. "I Will Teach You To Be Rich" helps you to strategize with your money and build money-making systems. The book is easy to read and understand. Many readers have testified of its impact after reading it.

The Automatic Millionaire - David Bach

This book borders mainly on how to automate your finances. It preaches that there are certain ways that you can set up your finances to allow them to operate on their own and develop into wealth.

The Simple Path To Wealth: Your Road Map To Financial Independence and a Rich, Free Life- JL Collins

This book is targeted at anyone who wishes to retire early. The different principles outlined in the book were written as though the author was writing a letter to his daughter. The book explicitly explains complicated details and provides lots of actionable advice on accumulating wealth. The book is rated 4.8 stars and has more than 3800 reviews on Amazon.

Retire Before Mom And Dad - Rob Berger

This book is majorly for anyone who wishes to get wealthy and retire early. It swims through the principles that make early retirement and financial independence possible. You can still read this book to learn the secrets to wealth, even if you do not wish to retire early.

Spend Well, Live Rich: How To Get What You Want With The Money You Have - Michelle Singletary

This book reflects on the life of the author's grandmother, who was able to raise five children; the author inclusive on a modest salary. The author discusses the principles that her grandmother used to maximize what she had. The book is best for anyone seeking budgeting inspiration or a beginner in personal finance.

When She Makes More- Farnoosh Torabi

Farnoosh Torabi is a personal finance expert and author. In this book, she discusses her reality as the breadwinner and a woman in an opposite-sex relationship. She discusses the struggles, realities, pros, and cons and explains how they maximize earnings while minimizing conflict.

The Financial Diet: A Total Beginner's Guide To Getting Good With Money - Chelsea Fagan and Lauren Ver Hage

This book generally helps readers to know more about money and life. It is best for young adults as it discusses investments, budgeting, retirement savings, debt repayment, etc. The book is very actionable and easy to understand.

[thereadmind]

The more you learn, the more you earn!!

[financeprincess]

advice for people just wanting to be educated in the finance field?

I would start dipping your toe in the finance sections of reputable sources (i.e. Financial Times, Wall Street Journal, Harvard business review, MarketWatch, etc.) and start researching terms and companies you don’t know. I treat myself with a Bloomberg Businessweek subscription sent to my home because I love their design team and it’s actually very informative. You can also sign up for the Morning Brew finance newsletter, it’s free and I read it every morning to get a brief overview of what’s going on. Even just being informed of current events is helpful in learning about finance because all major events effect the market and businesses. Look at stock performance charts. Learn about different types of investment accounts and different kinds of investments. There are a lot of really great courses on platforms like Coursera as well, I just took one called Private Equity & Venture Capital from Università Bocconi. Flirt with equity crowdfunding platforms (I accidentally made a lot of money on one of these as an early investor with less than $1k). If you live in the US start looking into personal and business tax deductions. Even credit card rewards can actually get you a lot, I’ve gotten free hotel rooms and free flights from money I would have spent anyway. Investments also mean more than just individual stocks: could be index funds, mutual funds, bonds, CDs, REITs, forex, precious gems & metals, real estate, even some designer goods retain and increase in value if bought strategically and handled correctly. Even just having the fundamentals of a maxed out retirement account (a Roth IRA or a backdoor Roth IRA is my personal preference) full of index funds and mutual funds that are balanced well, a fully funded emergency fund of 3-12 months personal expenses, any debt above 7% interest paid off, and sinking funds for various expenses automatically set up in a high yield savings account will have you very well off. When you have a foundation like that you have the breathing room to change careers, take time off, buy investment properties, invest in volatile but potentially profitable ventures, start businesses, and set up additional streams of income.

[elftwink]

being actually so serious I thought I knew what inflation was and then someone explained to me the concept of "greedflation"/price gouging and ever since then I feel like I must be missing something because everyone's acting like those are those are different things like?????? "greedflation is when prices are raised even though supplies cost the same because it will generate more profit for the seller" ok "inflation is that also but instead of saying the seller did that we say the Market did and it was unavoidable!! but yes the seller is bringing in more profit as a result" like??? is something material actually different between inflation and greedflation or is it literally just a kind of framing device. bc if there is something material I am not comprehending it

[lavendorium]

I have decided that I do not need to be the goth gf of a finance bro, I am going to become my own finance bro

[charismaonlineuniversity]

Why Charisma University’s Bachelor of Science in Finance is Your Gateway to Success

Charisma University stands out as a leader in finance education, offering a Bachelor of Science in Finance program designed to prepare students for the dynamic world of finance. Our program provides a comprehensive understanding of financial principles, markets, and instruments, ensuring that graduates are well-equipped to navigate the complexities of the financial sector.

What sets Charisma University apart is our commitment to real-world application. Our curriculum is not just theoretical but also practical, with case studies, simulations, and internships that immerse students in the realities of finance. This hands-on approach ensures that students graduate with the skills and experience needed to excel in the workplace.

Our faculty comprises seasoned professionals and academics with extensive industry experience. They bring a wealth of knowledge and insights to the classroom, providing students with a rich learning experience that goes beyond textbooks. Whether you aspire to be a financial analyst, investment banker, or financial planner, our program provides the tools and guidance to help you achieve your goals.

Moreover, Charisma University offers a global perspective, integrating international finance concepts into our curriculum. In today’s interconnected world, understanding global financial markets is crucial, and our program ensures that students are well-versed in these areas.

Charisma University is dedicated to your success. With a robust support system, including academic advising, career services, and networking opportunities, we help you every step of the way. Choosing Charisma University for your Bachelor of Science in Finance means choosing a program that is not just about getting a degree but about building a successful career in finance.

Join us at Charisma University and take the first step towards a rewarding future in finance.

[learnandearn810]

_From Passion to Profit: How Bloggers Can Make Millions in a Year_

In the digital age, blogging has evolved from a hobby to a lucrative career path. With millions of blogs on the internet, it's no surprise that some bloggers have turned their passion into a million-dollar business. While it may seem like a pipe dream, making millions as a blogger is achievable with the right strategy, dedication, and monetization techniques.

_Identifying Profitable Niches_

The first step to making millions as a blogger is to choose a profitable niche. Focus on areas with high demand, such as:

1. _Health and Wellness_: Fitness, nutrition, and self-care are popular topics with a vast audience.

2. _Personal Finance_: People seek advice on managing money, investing, and getting out of debt.

3. _Travel and Adventure_: Share your travel experiences, tips, and recommendations with a global audience.

4. _Technology and Gadgets_: With new gadgets and software emerging daily, tech-savvy bloggers can capitalize on this trend.

5. _Marketing and Entrepreneurship_: Share your expertise on marketing, business growth, and entrepreneurship.

_Building a Loyal Audience_

To make millions, you need a massive and engaged audience. Focus on:

1. _High-Quality Content_: Create informative, entertaining, and valuable content that resonates with your audience.

2. _Consistency_: Regularly post content to keep your audience engaged and coming back for more.

3. _Email Marketing_: Build an email list and send targeted campaigns to nurture your audience.

4. _Social Media_: Leverage social media platforms to promote your blog, engage with your audience, and drive traffic.

_Monetization Strategies_

Once you have a loyal audience, it's time to monetize your blog. Consider:

1. _Affiliate Marketing_: Partner with brands to promote their products or services and earn a commission.

2. _Sponsored Content_: Work with brands to create sponsored posts, reviews, or tutorials.

3. _Display Advertising_: Use Google AdSense or other ad networks to generate revenue from display ads.

4. _Digital Products_: Create and sell ebooks, courses, or software products related to your niche.

5. _Membership or Subscription-Based Models_: Offer exclusive content, resources, or services for a recurring fee.

_Scaling Your Business_

To reach the million-dollar mark, you need to scale your business. Consider:

1. _Hiring a Team_: Employ writers, editors, designers, and marketers to help you create high-quality content and manage your blog.

2. _Outsourcing Tasks_: Use freelancers or virtual assistants to handle tasks like social media management, email marketing, and SEO.

3. _Investing in Technology_: Utilize tools like SEO software, email marketing platforms, and project management tools to streamline your workflow.

4. _Diversifying Your Income Streams_: Explore alternative revenue sources, such as podcasting, YouTube, or consulting services.

_Conclusion_

Making millions as a blogger requires dedication, hard work, and a willingness to learn and adapt. By choosing a profitable niche, building a loyal audience, and implementing effective monetization strategies, you can turn your passion into a lucrative business. Remember to scale your business, diversify your income streams, and stay focused on your goals to achieve success. With persistence and the right mindset, you can join the ranks of millionaire bloggers.

[star-mum]

tis time for me to change my phone theme (took longer than I thought it would tbh)

[avidreadersandemergingwriters]

"Somebody who doesn't read lives one life, somebody who reads an unlimited number of lives." - Mark Cuban, billionaire investor

[thereadmind]

[mossy-rock-in-a-field]

Several weeks ago, my retirement-age mother requested that I play Baldur’s Gate 3 for her because she has trouble with controllers/keyboards and wanted “to see what all the fuss is about with that cute wizard boy.” For context, my mother and I have done this sort of thing in the past with certain RPGs (dragon age, mass effect, etc.), but it’s been a few years since she’s personally requested a game like this. Basically, I control her Tav but let her make all the choices so she can determine how the story plays out without worrying about mechanics. She treats it like a choose-your-own-adventure book.

Anyway, here is a list of some of the things my mother has said and/or chosen to do throughout the course of BG3 in no particular order:

She is (obviously) romancing Gale. She is quite smitten with him and his passion for books and learning; she also thinks he’s polite and qualifies as “relationship material.” She also REALLY likes the things he’s said about his cat so far (my mom is a cat lady), so I know she’s gonna flip shit when we meet Tara in Act III.

She’s playing a normal druid Tav with a generally good alignment. Her favorite spell is Spike Growth because she thinks it’s hilarious whenever enemies walk into the AOE and die. I usually end up having to cast it at least once per battle per her request. Sometimes twice.

Contrary to her alignment, my mother tasks me with robbing every single chest, crate, barrel, and burlap sack we come across; this also includes people and their pockets. The party is always at max carrying capacity. ALWAYS. She doesn’t like selling things because “what if I need them.” The camp stash is in literal shambles. There is no hope of organizing it. She’s got like fifty seven sets of rags and a billion pieces of random silverware.

She MUST talk to every animal and corpse in the game. I think five hours of her total playtime so far (47ish) has been spent speaking to animals as many times as humanly possible. Like, I was thorough in my own playthroughs, but this is on a whole other level.

She did NOT get Volo’s lobotomy, but she did let Auntie Ethel take her eye in hopes of a cure for the tadpole. I did not understand the logic then. I still do not understand it now.

She is far more interested in fashion than equipment stats. Do you have any idea how much gold I’ve had to spend on dyes just to make things match? SO much. Same vibe as that “please someone help me balance my finances my family is starving” tweet but instead of candles it’s thirty thousand fucking bottles of black and furnace red dye.

We broke the prisoners out of Moonrise, but they got on the boat too early and bugged the fight by leaving Astarion and Karlach behind. Wulbren Bongle somehow got stuck in combat mode even after engaging the cutscene on the docks below Last Light; he he kept trying to run ALL THE WAY BACK TO MOONRISE nine fucking meters at a time while I frantically tried to finish the fight with the Warden, otherwise Wulbren would have run straight into the shadow curse. (I would’ve let him go; fuck Wulbren Bongle, all my homies hate Wulbren Bongle. But my mom didn’t know that, and she wanted to keep him safe. So.)

She had me reload a save like eighteen times to save the giant eagles on top of Rosymorn Monastery. Wouldn’t even let me do non-lethal damage just to get past things. I think getting that warhammer for the dawnmaster puzzle took us like an hour and a half alone. (Yes, I know you can use any warhammer, but SHE didn’t.)

She’s started keeping an irl notebook to keep track of her quests between play sessions. She writes down ideas and strategies when she thinks of them during the week, then brings them to her next game session at my house. I think she wrote about three pages on possible approaches to the goblin fortress alone.

She insists that I pet Scratch and the owlbear cub before every single long rest, no exceptions. Sometimes I have to do it multiple times until she is absolutely sure that the animals know exactly how much she loves and cherishes them. She has also commissioned a crocheted owlbear plush from a friend of hers and is very excited.

I’m sure there’s a bunch of stuff I’m forgetting, but those are some fun things I thought of. She’s enjoying the game and is telling all of her retired friends to get it and play it for themselves. She asked me “what is Discord” yesterday and I think my life flashed before my eyes.

anyway shout out to my mom for being neat

Part 2 — Part 3 — Part 4 — Part 5

[mostlysignssomeportents]

Paying consumer debts is basically optional in the United States

The vast majority of America's debt collection targets $500-2,000 credit card debts. It is a filthy business, operated by lawless firms who hire unskilled workers drawn from the same economic background as their targets, who routinely and grotesquely flout the law, but only when it comes to the people with the least ability to pay.

America has fairly robust laws to protect debtors from sleazy debt-collection practices, notably the Fair Debt Collection Practices Act (FDCPA), which has been on the books since 1978. The FDCPA puts strict limits on the conduct of debt collectors, and offers real remedies to debtors when they are abused.

But for FDPCA provisions to be honored, they must be understood. The people who collect these debts are almost entirely untrained. The people they collected the debts from are likewise in the dark. The only specialized expertise debt-collection firms concern themselves with are a series of gotcha tricks and semi-automated legal shenanigans that let them take money they don't deserve from people who can't afford to pay it.

There's no better person to explain this dynamic than Patrick McKenzie, a finance and technology expert whose Bits About Money newsletter is absolutely essential reading. No one breaks down the internal operations of the finance sector like McKenzie. His latest edition, "Credit card debt collection," is a fantastic read:

https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance/

McKenzie describes how a debt collector who mistook him for a different PJ McKenzie and tried to shake him down for a couple hundred bucks, and how this launched him into a life as a volunteer advocate for debtors who were less equipped to defend themselves from collectors than he was.

McKenzie's conclusion is that "paying consumer debts is basically optional in the United States." If you stand on your rights (which requires that you know your rights), then you will quickly discover that debt collectors don't have – and can't get – the documentation needed to collect on whatever debts they think you owe (even if you really owe them).

The credit card companies are fully aware of this, and bank (literally) on the fact that "the vast majority of consumers, including those with the socioeconomic wherewithal to walk away from their debts, feel themselves morally bound and pay as agreed."

If you find yourself on the business end of a debt collector's harassment campaign, you can generally make it end simply by "carefully sending a series of letters invoking [your] rights under the FDCPA." The debt collector who receives these letters will have bought your debt at five cents on the dollar, and will simply write it off.

By contrast, the mere act of paying anything marks you out as substantially more likely to pay than nearly everyone else on their hit-list. Paying anything doesn't trigger forbearance, it invites a flood of harassing calls and letters, because you've demonstrated that you can be coerced into paying.

But while learning FDCPA rules isn't overly difficult, it's also beyond the wherewithal of the most distressed debtors (and people falsely accused of being debtors). McKenzie recounts that many of the people he helped were living under chaotic circumstances that put seemingly simple things "like writing letters and counting to 30 days" beyond their needs.

This means that the people best able to defend themselves against illegal shakedowns are less likely to be targeted. Instead, debt collectors husband their resources so they can use them "to do abusive and frequently illegal shakedowns of the people the legislation was meant to benefit."

Here's how this debt market works. If you become delinquent in meeting your credit card payments ("delinquent" has a flexible meaning that varies with each issuer), then your debt will be sold to a collector. It is packaged in part of a large spreadsheet – a CSV file – and likely sold to one of 10 large firms that control 75% of the industry.

The "mom and pops" who have the other quarter of the industry might also get your debt, but it's more likely that they'll buy it as a kind of tailings from one of the big guys, who package up the debts they couldn't collect on and sell them at even deeper discounts.

The people who make the calls are often barely better off than the people they're calling. They're minimally trained and required to work at a breakneck pace. Employee turnover is 75-100% annually: imagine the worst call center job in the world, and then make it worse, and make "success" into a moral injury, and you've got the debt-collector rank-and-file.

To improve the yield on this awful process, debt collection companies start by purging these spreadsheets of likely duds: dead people, people with very low credit-scores, and people who appear on a list of debtors who know their rights and are likely to stand on them (that's right, merely insisting on your rights can ensure that the entire debt-collection industry leaves you alone, forever).

The FDPCA gives you rights: for example, you have the right to verify the debt and see the contract you signed when you took it on. The debt collector who calls you almost certainly does not have that contract and can't get it. Your original lender might, but they stopped caring about your debt the minute they sold it to a debt-collector. Their own IT systems are baling-wire-and-spit Rube Goldberg machines that glue together the wheezing computers of all the companies they've bought over the last 25 years. Retrieving your paperwork is a nontrivial task, and the lender doesn't have any reason to perform it.

Debt collectors are bottom feeders. They are buying delinquent debts at 5 cents on the dollar and hoping to recover 8 percent of them; at 7 percent, they're losing money. They aren't "large, nationally scaled, hypercompetent operators" – they're shoestring operations that can only be viable if they hire unskilled workers and fail to train them.

They are subject to automatic damages for illegal behavior, but they still break the law all the time. As McKenzie writes, a debt collector will "commit three federal torts in a few minutes of talking to a debtor then follow up with a confirmation of the same in writing." A statement like "if you don’t pay me I will sue you and then Immigration will take notice of that and yank your green card" makes the requisite three violations: a false threat of legal action, a false statement of affiliation with a federal agency, and "a false alleged consequence for debt nonpayment not provided for in law."

If you know this, you can likely end the process right there. If you don't, buckle in. The one area that debt collectors invest heavily in is the automation that allows them to engage in high-intensity harassment. They use "predictive dialers" to make multiple calls at once, only connecting the collector to the calls that pick up. They will call you repeatedly. They'll call your family, something they're legally prohibited from doing except to get your contact info, but they'll do it anyway, betting that you'll scrape up $250 to keep them from harassing your mother.

These dialing systems are far better organized than any of the company's record keeping about what you owe. A company may sell your debt on and fail to keep track of it, with the effect that multiple collectors will call you about the same debt, and even paying off one of them will not stop the other.

Talking to these people is a bad idea, because the one area where collectors get sophisticated training is in emptying your bank account. If you consent to a "payment plan," they will use your account and routing info to start whacking your bank account, and your bank will let them do it, because the one part of your conversation they reliably record is this payment plan rigamarole. Sending a check won't help – they'll use the account info on the front of your check to undertake "demand debits" from your account, and backstop it with that recorded call.

Any agreement on your part to get on a payment plan transforms the old, low-value debt you incurred with your credit card into a brand new, high value debt that you owe to the bill collector. There's a good chance they'll sell this debt to another collector and take the lump sum – and then the new collector will commence a fresh round of harassment.

McKenzie says you should never talk to a debt collector. Make them put everything in writing. They are almost certain to lie to you and violate your rights, and a written record will help you prove it later. What's more, debt collection agencies just don't have the capacity or competence to engage in written correspondence. Tell them to put it in writing and there's a good chance they'll just give up and move on, hunting softer targets.

One other thing debt collectors due is robo-sue their targets, bulk-filing boilerplate suits against debtors, real and imaginary. If you don't show up for court (which is what usually happens), they'll get a default judgment, and with it, the legal right to raid your bank account and your paycheck. That, in turn, is an asset that, once again, the debt collector can sell to an even scummier bottom-feeder, pocketing a lump sum.

McKenzie doesn't know what will fix this. But Michael Hudson, a renowned scholar of the debt practices of antiquity, has some ideas. Hudson has written eloquently and persuasively about the longstanding practice of jubilee, in which all debts were periodically wiped clean (say, whenever a new king took the throne, or once per generation):

https://pluralistic.net/2020/03/24/grandparents-optional-party/#jubilee

Hudson's core maxim is that "debt's that can't be paid won't be paid." The productive economy will have need for credit to secure the inputs to their processes. Farmers need to borrow every year for labor, seed and fertilizer. If all goes according to plan, the producer pays off the lender after the production is done and the goods are sold.

But even the most competent producer will eventually find themselves unable to pay. The best-prepared farmer can't save every harvest from blight, hailstorms or fire. When the producer can't pay the creditor, they go a little deeper into debt. That debt accumulates, getting worse with interest and with each bad beat.

Run this process long enough and the entire productive economy will be captive to lenders, who will be able to direct production for follies and fripperies. Farmers stop producing the food the people need so they can devote their land to ornamental flowers for creditors' tables. Left to themselves, credit markets produce hereditary castes of lenders and debtors, with lenders exercising ever-more power over debtors.

This is socially destabilizing; you can feel it in McKenzie's eloquent, barely controlled rage at the hopeless structural knot that produces the abusive and predatory debt industry. Hudson's claim is that the rulers of antiquity knew this – and that we forgot it. Jubilee was key to producing long term political stability. Take away Jubilee and civilizations collapse:

https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles

Debts that can't be paid won't be paid. Debt collectors know this. It's irrefutable. The point of debt markets isn't to ensure that debts are discharged – it's to ensure that every penny the hereditary debtor class has is transferred to the creditor class, at the hands of their fellow debtors.

In her 2021 Paris Review article "America's Dead Souls," Molly McGhee gives a haunting, wrenching account of the debts her parents incurred and the harassment they endured:

https://www.theparisreview.org/blog/2021/05/17/americas-dead-souls/

After I published on it, many readers wrote in disbelief, insisting that the debt collection practices McGhee described were illegal:

https://pluralistic.net/2021/05/19/zombie-debt/#damnation

And they are illegal. But debt collection is a trade founded on lawlessness, and its core competence is to identify and target people who can't invoke the law in their own defense.

Going to Defcon this weekend? I’m giving a keynote, “An Audacious Plan to Halt the Internet’s Enshittification and Throw it Into Reverse,” today (Aug 12) at 12:30pm, followed by a book signing at the No Starch Press booth at 2:30pm!

https://info.defcon.org/event/?id=50826

I’m kickstarting the audiobook for “The Internet Con: How To Seize the Means of Computation,” a Big Tech disassembly manual to disenshittify the web and bring back the old, good internet. It’s a DRM-free book, which means Audible won’t carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:

http://seizethemeansofcomputation.org

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act

[chic-diet-inspired]

How to stay in control/How to not obsess over food

A huge issue with EDs is that it at time takes over your life. You are constantly thinking about food, how much calories it contains, how you can reduce your intake or crave certain foods. A lot of the time it takes over other aspects of your life. You might be functional but not productive.

Here are some things that I notice about myself that worked for me, and I hope they do for you too:

In case you go a little over your daily cal limit, DO NOT fret. This doesn't need to turn into a binge. Its okay. Your body needed that little extra fuel. Continuous calorie deficit can also cause the body to store excess fat. This IS working in your favor. NO need to scarf down that whole box of Pringles.

When eating out with people, try to get people to share dishes. You can say that you want to try a variety of different foods and so on but this helps. Make sure to take small spoonful of food. That way people would think that you are eating a lot. Chew longer. But try not to avoid going out. This will lift your mood. Change your chain of thoughts. Give yourself something else to think about.

Don't curb your craving. Have it but in small portions. I love me some burgers but The ones I like are 400-500 kcal. So I eat only half of it. I give the other half to my sister. Similarly you don't have to eat all the nuggets. This prevents binging. Eat that ramen you want but DO NOT eat the whole packet. Just half. Or you can do yourself a favor a go 1/3rd.

Focus on macros. Yes I know this is difficult and unnecessary but this helps you sustain. Part of ana is the dysfunctionality but eating healthy lets sustains you longer. Also promoting healthier weight loss.

This may not work for everyone but try not to MEAL PLAN. This makes you think excessively about food. Try to enjoy what is in front of you. Thinking of eating as a ritual. You are letting your body enjoy it. Pointing back to point number 1, its okay to eat a little over your calorie limit.

Rather meal planning, try task planning. Read self-help books. Try to get yourself, as productive as you can get. Study stock market or personal finance. You are as it is saving money by not eating, why not learn more ways to benefit financially.

FOOD IS NOT YOUR ENEMY. It isn't do all end all of your life. Understand that their are a lot of things in your life that are just as or not more important than this. List down things that you would do over eating. Start doing this. How about we start doing this?Post a list of things you had do rather than thinking of food or eating.

[friendlyneighborhoodshark]

"How to Life" Masterlist

Cleaning and Tidying

Make your bed in the morning. It takes seconds, and it's worth it.

Reset to zero each morning.

Use the UFYH 20/10 system for clearing your shit.

Have a 'drop-zone' box where you dump anything and everything. At the beginning/end of the day, clear it out and put that shit away.

Automate your chores. Have a cleaning schedule and assign 15mins daily to do whatever cleaning tasks are set for that day. Set a timer and do it once the timer is up, finish the task you're on and leave it for the day.

Fold your clothes straight out of the tumble dryer (if you use one), whilst they're still warm. This minimises creases and eliminates the need for ironing.

Clean your footwear regularly and you'll feel like a champ.

Organisation and Productivity

Learn from Eisenhower's Importance/Urgency matrix.

Try out the two-minute rule and the Pomodoro technique.

Use. A. Planner. (Or Google Calendar, if that's more your thing.)

Try bullet journalling.

Keep a notebook/journal/commonplace book to dump your brain contents in on the regular.

Set morning alarms at two-minute intervals rather than five, and stick your alarm on the other side of the room. It's brutal, but it works.

Set three main goals each day, with one of them being your #1 priority. Don't overload your to-do list or you'll hit overload paralysis and procrastinate.

If you're in a slump, however, don't be afraid to put things like "shower" on your to do list - that may be a big enough goal in itself, and that's okay.

Have a physical inbox - a tray, a folder, whatever. If you get a piece of paper, stick it in there and sort through it at the end of the week.

Consider utilising the GTD System, or a variation of it.

Try timeboxing.

Have a morning routine, and guard that quiet time ferociously.

Have a folder for all your important documents and letters, organised by topic (e.g. medical, bank, university, work, identification). At the front of this folder, have a sheet of paper with all the key information written on it, such as your GP's details, your passport details, driving licence details, bank account number, insurance number(s), and so on.

Schedule working time and down time alike, in the balance that works for you.

Money

Have. A. God. Damn. Budget.

Use a money tracker like toshl, mint, or splitwise. Enter all expenses asap! (You will forget, otherwise.)

Have a 'money date' each week, where you sort through your finances from the past seven days and then add it to a spreadsheet. This will help you identify your spending patterns and whether your budget is actually working or not.

Pack your own frickin' lunch like a grown-up and stop buying so many takeaway coffees. Keep snacks in your bag.

Food and Cooking

Know how to cook the basics: a starch, a protein, a vegetable, and a sauce.

Simple, one-pot meals ("a grain, a green, and a bean") are a godsend.

Batch cook and freeze. Make your own 'microwave meals'.

Buy dried goods to save money - rice and beans are a pittance.

Consider Meatless Mondays; it's healthier, cheaper, and more environmentally friendly.

Learn which fruits and vegetables are cheapest at your store, and build a standard weekly menu around those. (Also remember that frozen vegetables are cheap and healthy.)

Learn seasoning combinations. Different seasoning, even with the exact same ingredients, can make a dish seem completely new.

Misc

Have a stock email-writing format.

Want to start running, but find it boring? Try Zombies, Run!.

Keep a goddamn first aid kit and learn how to use it.

Update your CV regularly.

Keep a selection of stamps and standard envelopes for unexpected posting needs. (It happens more regularly than you would think!)

[charismaonlineuniversity]

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[dirtyheathencommie]

DEAR EDUCATIONALLY NEGLECTED HOMESCHOOLERS

I’ve gathered some resources and tips and tricks on self-educating after educational neglect. This is only what I did and what I know helped me. I’m about to graduate college with honors after having no education past the age of 9. I wouldn’t be here without the following. Everything is free, and at/well above the standard for education in the US.

The holy grail: Khan Academy. Nearly every course you could take is available here, in order and by grade level. Their open-source free courses rival some of the college classes I’ve taken. This is your most solid resource.

For inattentive types: Crash Course offers a variety of courses that are snappy, entertaining, and extremely rewarding. They work for my ADHD brain. They also have college prep advice, which is essential if you’re looking to go to higher education with no classroom experience.

To catch up on your reading: There are certain books that you may have read had you gone to school that you’ve missed out on. This list is the most well-rounded and can fill you in on both children’s books and classic novels that are essential or at least extremely helpful to be familiar with. You can find a majority of these easily at a local library (and some for free in PDF form online low key). There are a few higher level classics in here that I’d highly recommend. If it doesn’t work for you, I’d always recommend asking your local librarian.

*BE AWARE* The book list I recommend suggests you read Harry Potter books, and given their transphobic author you may or may not want to read them. If you choose to, I’d highly recommend buying the books secondhand or borrowing from a library to avoid financially supporting a living author with dangerous and damaging views.

TEST, TEST, TEST: Again, Khan Academy is your go-to for this. I don’t personally like standardized testing, but going through SAT and ACT courses was the best way I found to really reveal my gaps so that I could supplement.

Finally: As much as you can, enjoy the process. Education can be thrilling and teach you so much about yourself, and help shape your view of the world. It can get frustrating, but I’d like to encourage you that everyone can learn. No pace is the perfect pace, and your learning style is the right learning style for you. In teaching yourself, be patient, be kind, and indulge in the subjects you really enjoy without neglecting others. You are your teacher. Give yourself what others chose not to.