#financial self care

[bitchesgetriches]

Learn more through our Burnout Workshop.

[thepeacefulgarden]

And remember, you can always say "no" when people in your life hit you up for a "loan." You don't have to be mean or nasty about it, and you don't owe them an explanation, but you are allowed to say "no." Even to your family, or your closest friends. Especially the ones that are constantly hitting you up for money, or who only ever seem to contact you when they need money/a favor/whatever else. Sometimes, it's what they need to hear anyway. They might get mad...let them be mad. That's not your responsibility. But if you do choose to say yes, treat it as a gift, not a loan. You'll save yourself stress and awkwardness. Make sure that your generosity isn't going to put you into the red, and that you are comfortable parting with the money. Make sure, too, that whoever you give money to (be it your brother or your girlfriend or your old roommate from college or your best friend from kindergarten or anyone else) won't start treating you like an ATM; if they do, set boundaries and make it clear that while you feel for their situation, treating you like an ATM is not acceptable.

You want some serious old fart advice? Never, ever lend your friends more money than you think you can lose permanently. I don't fucking care if they say they'll pay you back. I don't care how small the amount is. Write that shit off as gone in your mind. It will eat at you forever if you don't.

Some people say the same thing about family, but I think it applies more to friends. Family is (usually) held together by obligations the way friends aren't. And money is a huge stressor in all kinds of relationships, not just romantic.

I'm not saying this to bum you out. I'm telling you because this is not something you want to learn on your own. Because it fucking sucks to realize it's one reason you're no longer friends, whether you were necessarily aware of it or not.

[negrolicity]

How to achieve your financial goals : Life Kit https://www.npr.org/2023/08/14/1193803129/start-a-financial-self-care-routine

Click and listen.

[honeytonedhottie]

financial literacy⋆.ೃ࿔*:･✍🏽🎀

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

WHAT IS FINANCIAL LITERACY ;

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

ALL ABOUT BUDGETING ;

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

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

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

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

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

HOW DO U KNOW WHAT UR NEEDS/WANTS ARE ;

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

♡ calculate ur needs, wants and savings budget

♡ compare ur expenses to ur budget

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

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

[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~!!💫

[thatgirlchallenge]

I haven’t done long study sessions in a while…

But I am done with that. Going to the library every day until July!

[angiemaniac]

Important Announcement - The Next Chapter

Howdy! I wanna update peeps on the comic chapter coming up. Good news! The Patreon peeps voted, and Alfira is gonna be in the next chapter. However, I intend to take a short break before working on it.

The reason why is because I wanna make sure this chapter is done well and I have a short break to give myself mentally and physically ready, as I have not given myself a proper break in ages. Also, because this chapter might be a tad bigger than the others.

If you wish to support me still, you can join subscribe below or tip me so I can keep making content.

Patreon - Subscribe

Kofi - Tips

[goddessinnerglow]

Become Your Best Version Before 2025 - Day 13

Financial Planning and Budgeting

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

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

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

Start Where You Are

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

The Money Map Exercise

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

Write down all your income sources

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

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

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

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

The 50/30/20 Guideline

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

50% for needs (rent, groceries, utilities)

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

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

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

Smart Money Habits You Can Start Today

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

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

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

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

The Emergency Fund Challenge

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

Money Goals That Make Sense

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

Save enough for three months of basic expenses by December 2025

Pay off one credit card by summer

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

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

Your mission for today:

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

Pick ONE money habit from this post to try this week

Set ONE specific financial goal for 2025

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

[moniqueesworld]

I wish peace, money abundance, happiness, and love on who ever is reading this.

[scltbvrns]

right winged indians are so (i don't want to utter that word) when it comes to media literacy but all of them literally grew up in godi media so i cannot blame them either. like no one is saying INDI alliance is good. it's just the lesser evil out of the two.

[kelpermoosee]

Knocking them over and watching them scramble to get up with those big ass heads

[bigturtl]

do u have blue sky

yes! i'm zeewa on bluesky 🫶

thank you for reminding me that i need to put my bluesky in my about me 💋✌️

[honeytonedhottie]

financial literacy continued⋆.ೃ࿔*:･👛💵

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

HOW TO SAVE MONEY ;

automatically deposit a certain percentage of ur income into ur savings account so that u dont even have to think about it

to do something more FUN tho, (at least in my opinion) is to make a challenge where u have to save every $10 dollar bill, or $20 dollar bill or whatever. just something to make saving money seem like a game if u wanna have some fun with it.

EMERGANCY FUND ;

most experts will tell u that ur emergency fund should be 3-6 months of ur needed expenses. so calculate ur needed expenses and multiply that by 6 to figure out how much you'd need to have in ur emergency fund.

PAYING YOURSELF FIRST ;

you should always put urself first in every single situation including financially. so to pay urself first simply means to put ur future and needs before anything else. FOR EXAMPLE... let's say u wanna buy an ipad by the end of the year, an ipad is $345.

lets also say that u get paid weekly, so you'd divide $345 by the number of weeks in a year (52) you'd get 6.6. so you'd have to save roughly $6-$6.50 a week which isnt a lot at all. and you'd be getting what u want.

INTEREST AND CREDIT ;

interest is like a reward that the bank gives you for trusting them to look after your money. the more money you have in your account, and the longer you keep it there, the more interest you can earn…💬🎀

so the bank calculates interest as a percentage of the total amount in a bank account. so if the bank pays a 1% interest you'll earn $1 for every $100 in ur bank account over the course of a year. so if u have $500 in ur account you'll get $5. its not a lot, but interest builds on itself.

credit is the ability of the consumer to acquire goods or services prior to payment with the faith that the payment will be made in the future…💬🎀

for example missing payment deadlines can negatively affect ur credit score. why is this important? if u wanna go to college and wanna use student loans, u might not be able to if ur credit history is bad. as ur credit history grows you'll get a credit score. the higher ur score, the better ur credit is.

BUILDING CREDIT ;

get a secured card. a secured credit card is a special type of credit card with a down payment. when you open the card, you will give the credit card company a deposit to hold. it can be as little as $100. the company holds the money for you and gives you a credit card with a line of credit equal to your deposit

sign up for victoria's secret direct paper mailers. you'll get a coupon each month for 1 free panty for every purchase. when u go to the mall, get urself a panty and a sweet treat 🧁 (DO NOT PUT ANYTHING ON THE CARD THAT U CANT IMMEDIATELY PAY OFF)

and then go home and pay ur credit card bill off, and then dont use it again until the next month.

[theglowsociety]

[thatgirlchallenge]

It’s good to have goals. It’s better to have a realistic timeframe.

I am writing up a plan right now, I am an easy person, I just need numbers and precise goals to follow up a plan and achieve everything I have ever dreamed of.

[only-knives]

it's okay to spend money. it's okay if you have trouble saving. it's okay to buy things that make you happy. it's okay to buy things that improve your life. it's not your fault the world we live in is so incredibly expensive and inaccessible. all you can do is your best. please don't neglect yourself.