#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…💬🎀

[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.

[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.

[aiyanayanas]

[neuroticboyfriend]

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.

[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 💋✌️

[sweaterkittensahoy]

Some financial advice that may be actually helpful

Based on one of y'all (sorry, I'm lazy, I'm not scrolling back) mentioning the terrible advice of "Make six figures."

Like, bitch. I'm TRYING.

But, let's say you live in a shocking world where you don't pull six figures out your bosses's ass every year. How can you make small financial changes that can lead to larger financial security?

These are all utterly subjective and based on things I've either actually done or just observed. I'm gonna try to skip over shit like, "shop for clothes second hand!" because shit like that can require a HUGE time commitment, and it's not even always worth it.

Anyway:

If your grocery store has a free rewards program (you put in your phone number or email address), get that set up. Yes, it will track what you purchase. But it also means when you get coupons in the mail, they're for things you actually buy. In our two-person household, we can save anywhere from 0-15 bucks a week depending on how coupons land.

If you can get a grocery card with fuel points (Fred Meyer and Safeway do it here in the PNW), you can save LOADS on gas. A dollar a gallon easily.

Also do any pet store reward programs that might be available. As the Bean does not require a great deal all the time, her rewards build up slowly, but every few months, we get enough points to get ten or twenty bucks off a purchase.

Do NOT buy in bulk if you're not gonna eat in bulk. Five pounds of rice is great if you eat rice regularly, but if you only have it every now and again, smaller portions of boxed rice are likely a better option. The same is true for any dried foods. Yeah, it's shelf stable, but it takes up more of the shelf. That could hold the stuff you actually eat steadily.

Frozen fruits/veggies are as healthy as fresh. And they'll stay ready to eat a lot longer. Consider that with how you eat and how much you eat a certain vegetable. It may be better worth your money to have three bags of frozen broccoli in your freezer than to keep buying fresh broccoli you forget to use in time.

If you're looking at a generic that says "Compare to BRAND NAME." It's the same formula. That's why they can say that. The reason it's cheaper is because the copyright or trademark costs money. Take that off, and boom. Cheaper cost for the same stuff.

If you have a car, know the way you drive it and how that can affect it. For example, if you do a lot of city driving, your transmission and (if applicable) stick shift are gonna wear down faster than you might expect. It's not always mileage. It's starting and stopping. However, if you drive long distances without stopping a lot (rural areas), your higher mileage car may not need any work on those things. Get your oil changed and your tires checked, and know what to look out for in terms of the kind of car you have and the driving you do. For example, we have less than 100k miles on our 15-year-old car, but we've mainly used it for city driving. We had to get the clutch re-built a few years ago, and last year we had to get the transmission goos updated because they'd run dry. These aren't surprising needs for a city-driven stick shift that's over ten years old.

There's a schedule to big shit going on sale in the US. Mattresses are a big thing around Memorial Day for some reason (Support the Fallen Troops by...fucking???). Electronics go big on sale before school starts and on Black Friday. Memorial Day is also big for cars, as is the 4th of July. If you hand make anything, certain colors of stuff go on sale before major holidays. Orange and black before Halloween. Red, green, and white before Christmas. Pastels before Easter. Etc.

Consider how much use a product will get before you decide you can or can't spend a little extra on it. Do 300-count sheets do the job? Yes. But speaking from recent experience, the 1500-count sheets feel so much nicer, which makes sleeping so much nicer, and I use them literally every single night, so the initial investment works out to basically the same even if I'd gotten cheaper sheets.

But also, stuff like sheets and comforters and stuff go on sale at various times! And your bed ain't gonna go through a growth spurt! Keep an eye out for those deals and scoop up the super soft stuff at a discount if you can!

And lastly on this main list, a very very important thing coming from a former poor kid: Fucking treat yourself. You know how much money you have. You know how much money you need. Maybe it's not hard to treat yourself because you're financially solvent, and in that case, this advice isn't for you. It's for those of us who have struggled to deviate at all from our list of NEEDS to give ourself even a very small WANT because WHAT IF I NEED FIVE BUCKS IN TWO DAYS. I get it. I do. To my bones. And I say fucking treat yourself, and if in two days, you suddenly need five bucks, do NOT feel bad that you got yourself a little something. You can't see into the future, and catastrophizing is so bad for you. Trust me. I know. Just. Remember, in all of this, give yourself a little focused care, okay?

All of that being said, a few more general points:

Dish soap is made to break up grease and oil, and it's commonly antibacterial. This makes it fucking perfect for cleaning your shower (covered in your greases and oils) and your bathroom in general (same reason). I don't recommend it for your toilet, but that's a personal preference based on zero research. The point is, most of your bathroom can be cleaned with dish soap. Get all your stuff off your counters. Make a thin layer with the dish soap. Let it sit for five to ten minutes. Scrub. Bonus: You can breathe the whole time.

Vinegar kills germs. Like, lab-tested kills germs. You can clean your kitchen with Vinegar and Borax (odor-reducer), and it costs a fraction of buying the kitchen-branded cleaners.

Borax is also great as an addition to laundry soap for odor-reducing reasons. So, even the cheap laundry soap is more effective with Borax.

"But Gayle, you can make your own laundry soap if you--" Yes, I know. And it's cool you know that. But it takes TIME to make laundry soap, and time is the only thing less reliable than money when it comes down to it.

Look up "No Buying" options in your area. This is usually a Facebook group or maybe a subreddit. The goal is that no one in the group wants to buy or sell anything. They just have stuff they want to get out of their house. It's not a 24/7 goldmine, but it's a once-a-day scroll through that could lead you to a pricey item for free!

If you have stuff that says "handwash," and you think, "Okay, I want to, but that's a whole new task." Nah. Just take a shower and bring it with! Hell, wear it in if you have to. I do this a LOT. Use the water and your soap (which, as it's likely a body wash or soap, will break down those skin oils and such) and give it a good washing while you stand there. Then, squeeze out the excess water and toss that thing over the shower rod. If you have a drying rack, use it. But if you don't, just leave it where it is and leave the fan going. It'll take care of itself. Just double check the label to know if hot water is a bad idea and if you need to lay flat or hang dry. If you need to lay flat, super squeeze the water out and lay it flat wherever you can.

And, lastly for this long post: If you need the expensive shit, buy the expensive shit. I have celiac and MCAS. My bread is five bucks a loaf. Peanut Butter fucks up my histamines. Almond fucks up my histamines. I need five dollar bread and fucking cashew butter to make a fucking sandwich. But the other option is getting sick from putting stuff in my body my body will fight against, and trust me, those urgent care visits stack up.

[ramblingsfromthytruly]

i don't care if my misery's written in the stars, i will fight my way out and rearrange the lines of my palm to achieve the peace and independence i so crave and deserve

[moiraimyths]

Before we call anon rude because let’s see it from their perspective, imagine getting an entire feast to eat. That can be pretty hard to start with so much that’s going on, but if they start with one thing they know they’ll like (aka one character they like) that can be the start for them leaping to other characters to finish the story and the bigger story. I struggle the same way to start book series if I don’t have at least one character that drives me to read it, it’s all about what can be the hook to push them through. Sounds like the anon is neurodivergent (just a guess) so they might genuinely not see it as rude and see it as a solution to even play the game to start with.

Btw absolutely adore the game, the complex and rich characters making them all so unique is amazing. The art is so pleasing to the eyes I love it!! I’m waiting for it all to get out at once so I don’t get too impatient. Shae however interests me the most, which routes will have the most lore for them? Will there be routes that give more lore in general based on decisions you make or do they all share the same amount? (I mean general lore not just Shae lore)

Apologies; we are not trying to accuse any asker of being rude! We are simply explaining our perspective as the developers / are trying to broadly encourage folks to dip their toes into other areas of the story outside of the main route(s) they're interested in, especially considering some routes will be made available sooner than others, and these other routes will likely contain additional scenes/lore of everyone's fave(s) regardless! We want to give each main cast member an equal amount of love (and lore) regardless of their overall popularity, so our goal is not to tut-tut anyone for having strong preferences for one character over the others, but rather to explain that you may be surprised by how much *more* you learn about your preferred characters in the other routes. That's all!

For Shae... Well, they were a foot soldier for one of the worst periods of the War. Lore wise, any other story that touches on the War will likely have content relevant to them and their experiences. ^^

[quackity1999]

I tried being nice, but it seems like that won't work here.

When I come back, Quackity, you're not getting rid of me again. I'm NOT going away again, so better get fucking used to me talking in your ears. Maybe Manburg is gone, but las Nevadas isn't, and it needs a competent leader, someone unlike you. You fuck up everything you touch. I'm surprised this place hasn't burnt to the ground with you leading it. Maybe it already has from the inside, and you're too idiotic to notice it.

-🍾(I'm TRYING to fit more curses in the dialogue but I don't curse much I'll do my best to up it o7)

now— hold on a fucking second. i'm the only person who could bring you back. right? i mean, dream's stuck in fucking prison. he keeps going on and on about how he's got all the revival shit stuck in his head.

so therefore. you're not getting out of this unless i say so.

god. it's almost like— it's almost like i've had power over you since day one. HA. i mean. fuck, what with the pooling votes, and now this? what the fuck am i calling you sir for?

schlatt; listen to me. you'd turn my nation into a fucking orgy den within minutes if you got your hands on it. i'm not taking that risk right now.

unless i find a way to get you on a tight leash. :]

[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.

[thatgirlchallenge]

Just finished reading “ Why didn’t they teach me this in school”.

It’s a nice book that gives some very basic advice about managing one’s finances. Despite the book being very basic, I believe that it’s a must read.

Just a few weeks ago, I didn’t know about most of these advice, but since I’ve been reading and learning, these basics seemed “ obvious” to me.

And that definitely shows progress. I am almost excited to live alone again, just to see how much I can do/save now that I know all of this!