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‘Lucrative’ Trap: Egypt Lured By Billion-Dollar IMF Deals! Cairo Is Seeking To Secure Large Foreign Loans In An Attempt To Combat Its Economic Crisis
A member of the pubic wears a mask on a Cairo streets on June 4, 2020 in Cairo, Egypt. © Fadel Dawod/Getty Images
The major economic and currency crisis that Egypt has been going through in recent years has forced the country’s authorities to take measures that may result in even greater losses.
Egypt’s recent agreements with world powers and global financial institutions show that Cairo aims to secure multibillion-dollar foreign loans. In order to obtain the loans, the government plans to reduce the foreign currency deficit and meet the conditions imposed by the International Monetary Fund.
Resorts And Migrants
At the end of March 2024, Egyptian Prime Minister Mostafa Madbouly announced that the IMF had approved Egypt’s loan program and expanded it to $8 billion. He also noted that in early May, Egypt would receive the second installment of funds, worth $20 billion, from the Ras Al-Hekma deal with the UAE, aimed towards the development of the Ras Al-Hekma resort on the Mediterranean Sea.
Cairo has already received the first $5 billion from the Ras Al-Hekma deal. Egypt wishes to conclude a similar agreement with Saudi investors in order to develop elite areas on the Red Sea coast near Sharm El Sheikh, including the Ras Ghamila resort. Madbouly said the government is in favor of increasing local and particularly foreign investments in Egypt, since this would help the country resolve the dollar crisis.
Egyptian Minister of Supply and Internal Trade distribute sugar, oil, rice and other food products as part of measures to prevent economic crisis in Faiyum, Egypt on November 3, 2016. © Stringer/Anadolu Agency/Getty Images
The EU intends to provide Egypt with an assistance package worth €7.4 billion ($8 billion) to support the economy. International experts directly tie Egypt’s negotiations with the EU and the IMF to the war in Gaza and the problem of illegal migration.
In November 2023, IMF Managing Director Kristalina Georgieva said the organization was seriously considering expanding Egypt’s $3 billion loan program in light of economic difficulties related to the war in Gaza. The head of the Communications Department at the IMF, Julie Kozack, also stated that “comprehensive support” must be provided to Cairo so it can cope with the influx of refugees from Gaza. EU loans are largely related to immigration pressure caused by the armed conflicts in Palestine and Sudan.
Chicken Instead of Lamb
A major financial crisis broke out in Egypt in early 2023, forcing the government and the Central Bank to devalue the Egyptian pound. Since the start of the crisis, which continues to this day, the country has faced an increasing dollar deficit and debt burden as a result of growing external debt service payments and a lack of measures to strengthen foreign exchange reserves. The situation is complicated by a chronic shortage of food and medicine, the closure of enterprises, unemployment, and stagnating productivity.
Since the beginning of 2022, as a result of the government’s plan to devalue the national currency and switch to a floating exchange rate, the Egyptian pound has lost about two-thirds of its value. Currently, Egypt’s pound remains stable at about 49.5 per dollar, but this has not prevented prices for essential goods from rising.
Food shortages force ordinary Egyptians to stand in lines for hours just to get basic products like sugar, meat, and so on. Inflation has severely affected the majority of the population. Beef has become too expensive for the average Egyptian, and chicken is now considered a delicacy.
At the end of 2022, due to the rapidly rising prices, the Egyptian authorities advised people to replace meat – which has become too costly for the average buyer – with chicken feet. Egypt’s National Nutrition Institute listed the benefits of chicken feet, and noted that they contain protein, vitamins, and minerals necessary for the restoration of skin tissues, muscle growth, and so on. This ‘propaganda’ quickly spread online and sparked controversy in Egypt.
About six months later, on the eve of Eid al-Adha, or the Feast of Sacrifice, a professor of comparative law at Egypt’s Al-Azhar University, Saad al-Din al-Hilali, encouraged the country to “promote the culture of sacrificing birds” instead of the traditional young ram or bull, which most Egyptians could no longer afford. Since the Feast of Sacrifice is one of the main Muslim holidays, many Egyptians found such statements humiliating.
Egypt’s total external debt has doubled in the past ten years. At the end of the first quarter of 2023, it amounted to about $165.4 billion. This is equivalent to 40.3% of the country’s GDP, which is less than the 50% barrier set by the IMF. Dollar debt accounts for more than two-thirds of Egypt’s obligations to creditors. Based on official data, the total annual volume of Egypt’s external debt, including installments and interest, will amount to a record-high $42.3 billion next year.
Long Relations With The IMF
Egypt is currently the second largest debtor to the IMF after Argentina, but things have not always been like this. Egypt joined the IMF in December 1945, and its share in the fund is about $1.5 billion. In May 1962, Cairo signed the first agreement with the IMF to obtain a loan that would help it attain economic stability. However, the negotiations were paused, and the government did not resume them until the second half of the 1970s.
Egypt does not have a long history of obtaining foreign loans. The IMF provided the first loan to Egypt in 1977-78, during the presidency of Anwar Sadat. The $186 million loan was supposed to solve the problem with external payments and inflation, which approached 8.6%. The decision was motivated by various factors and problems which the Egyptian economy faced after the 1973 Yom Kippur War.
Anwar El-Sadat © Bettmann/Contributor/Getty Images
In 1991-93, under then-President Hosni Mubarak, Egypt again borrowed about $375 million to cover the trade deficit. As a result of this agreement, 50% of Cairo’s debt to the Paris Club countries (an informal intergovernmental organization of major creditor countries) was canceled.
After 1993, Egypt did not receive any loans from the IMF for a long time, and the fund’s role was limited to consultations and technical assistance. From 2011 to 2013, Cairo requested a loan from the IMF three times. Finally, the $4.7 billion deal was almost approved, but then-President Mohamed Morsi refused to implement many of the announced reforms, and the negotiations were suspended.
In 2016, Egypt adopted a three-year economic reform program after receiving a $12 billion loan from the IMF. The financing was provided in six tranches over three years. Egypt received another $2.77 billion in 2020 as urgent assistance to overcome the consequences of the Covid-19 pandemic.
Since 2016, the Egyptian government has carried out several reforms – it transitioned to a floating exchange rate, adjusted public finances to reduce public debt, reformed energy subsidies and adjusted energy prices, reviewed social spending, and implemented measures to strengthen the business climate, attract investments, and increase employment opportunities.
Hosni Mubarak © Diana Walker/Getty Images
In 2021, Egypt received another loan, worth 5.4 billion, to help correct the balance of payments deficit. In 2022, Egypt reached an agreement with the IMF for an additional $3 billion to help with the foreign currency shortage crisis. This loan was supposed to be provided in nine tranches over four years, but so far, Cairo has received only the first tranche worth $347 million. The IMF says that it will provide the other installments after the necessary procedures and checks.
On March 6, 2024, the IMF agreed to expand this loan from $3 billion to $8 billion, provided that Egypt implements a set of economic reforms, such as transitioning to a floating exchange rate, reducing spending on infrastructure projects, and expanding the rights and opportunities of the private sector. Prior to this agreement, the Egyptian Central Bank decided to raise the interest rate by 600 basis points, to record levels.
Where Did The Foreign Currency Go?
In December 2023, several Arab media outlets posed the natural question: What happened to Egypt’s foreign exchange earnings which amounted to $100 billion per year? These earnings would be enough to cover Egypt’s financial obligations, such as import fees and external debt.
According to Al Arabiya, Egypt’s main sources of foreign exchange income are exports (about $45 billion per year), remittances ($32 billion), tourism ($11 billion), Suez Canal transit fees ($7.9 billion), and foreign direct investment ($8.9 billion).
However, sources in Egypt’s banking sector say that the country’s foreign exchange earnings do not reach banking structures due to the existence of a parallel market for foreign exchange where exchange rates significantly differ from official ones. Also, many Egyptians open accounts and businesses abroad and transfer foreign funds there. Workers sell dollars to brokers in parallel markets in order to better provide for their families in Egypt. On top of that, Egyptian importers prefer to keep their money in foreign banks.
The major trade deficit forces Egypt to take unpopular measures to fill the shortage of foreign currency. For example, Egyptians who live abroad and want to settle the issue with their conscription status should pay a minimum of $5,000. A special dollar retirement plan has also been developed for Egyptians who work abroad. Moreover, state-owned banks have started selling high-interest dollar savings certificates.
However, the most scandalous measure was the idea to give out residence permits or even citizenship in exchange for foreign currency. On March 8, 2023, the government allowed external investors to acquire Egyptian citizenship for a non-refundable sum of $250,000, or in exchange for buying Egyptian real estate worth at least $300,000.
Luxury By The United Arab Emirates
In February 2024, it was announced that the Abu Dhabi Development Holding Company PJSC (branded ADQ) intends to invest $35 billion in a large-scale real estate development project on Egypt’s Mediterranean coast. This step is directly related to the IMF loan, since it can provide the country with the foreign currency needed to obtain new financing from the IMF. According to the plan, ADQ will build a tourist and financial center in the Ras al-Hekma area, spanning 170km.
Visualization of Ras Al-Hekma Development Plans. © Egyptian Ministry of Housing
“The significant investment marks a pivotal step towards establishing Ras El-Hekma as a leading first-of-its-kind Mediterranean holiday destination, financial centre, and free zone equipped with world-class infrastructure to strengthen Egypt’s economic and tourism growth potential,” ADQ said in a press release.
The new and ambitious project, which looks more like the sale of territory to the UAE, sparked controversy, particularly among ordinary Egyptians. Over the past decade, the Egyptian government has spent huge amounts of money on luxury infrastructure projects, including on the New Administrative Capital, which has so far cost the country over $58 billion.
However, just a few days after the Ras al-Hekma project was announced, it turned out that Cairo and Riyadh have been holding informal negotiations on the development of the Ras Ghamila coastal zone near the Sharm el-Sheikh resort on the Red Sea coast. This initiative is also aimed towards increasing Egypt’s foreign exchange resources.
In February, Samir Sabri, an official representative of the Local and Foreign Investment Committee of the government’s National Dialogue initiative, said that “a massive project on the Red Sea, rivalling the scope of Ras El Hekma [is] imminent.”
Loans For Curbing Migration Flows
In mid-March 2024, Egypt and the EU announced that their relations have grown to the level of strategic partnership. This happened during the visit of an EU delegation headed by the president of the European Commission, Ursula von der Leyen, to Cairo. The agreement concluded between the EU and Egypt included a €7.4 billion aid package to support the economy amid fears that the war in Gaza and the conflict in Sudan may worsen Egypt’s financial problems and thereby increase migration pressure on Europe.
Under the agreement, the EU guarantees Egypt loans up to €5 billion until 2027, investments worth €1.8 billion in various fields, as well as grants totaling €600 million. Moreover, the countries reached an agreement on combating terrorism and illegal migration. The EU will allocate €200 million to resolve the migration issue.
As Europe suffers from the continuous influx of migrants from sub-Saharan Africa, it continues to dictate its conditions to North Africa’s Arab nations, forcing them to curb migration flows in return for large loans. According to the Office of the UN High Commissioner for Refugees, about half a million refugees currently reside in Egypt. Therefore, Europe’s concern about migration from Egypt is one of the reasons for signing the agreement.
History Repeats Itself
Apparently, Egypt has forgotten the mistakes of the colonial era. In the 19th century, the situation that eventually led to the country’s enslavement unfolded in a similar way.
Cairo received the first loans from European banks in 1833, during the reign of Egyptian ruler Muhammad Ali, but by 1840, Egypt already had accumulated a debt of 80 million francs. At around the same time, thousands of foreigners settled in Egypt. By 1863, its external debt had grown to 367 million francs – mainly due to the huge costs of building the Suez Canal, but also because of other prestigious projects, including the luxurious palaces of the Egyptian rulers. Dishonest speculation by European intermediaries, loan sharks, bankers, and so on also contributed to the growing debt.
In 1876, Egypt officially declared itself insolvent and creditor countries established control over it. This gave rise to many patriotic movements that proclaimed ‘Egypt is for Egyptians’. However, Ismail Pasha of Egypt, who resisted the European powers, was soon replaced by Tawfik Pasha (1879-92), who strictly followed the orders of Great Britain. The patriotic movement of officers led by Colonel Ahmed Ourabi was defeated in the course of the Anglo-Egyptian War of 1882, which marked the beginning of Britain’s occupation of Egypt.
Despite the fact that following WWI, Egypt formally became a free nation, it was still ruled by pro-English kings, and the Suez Canal remained under Franco-British (and later British) control. England controlled navigation in the Suez Canal until 1956, when President Gamal Abdel Nasser announced the nationalization of the canal. This led to the outbreak of an armed conflict and the invasion of British, French, and Israeli troops into Egypt and the start of the week-long Suez Crisis. The Soviet Union’s intervention saved Egypt from a full-scale war – Soviet leader Nikita Khrushchev threatened to launch thermonuclear strikes on the territories of the invading countries.
Gamal Abdel Nasser © Bettmann/Contributor/Getty Images
Today, Egypt’s debt is growing by the day, and it is again at risk of getting into unequal economic and military-political relations with the creditor countries – a situation that poses a serious threat to its sovereignty.
— By Tamara Ryzhenkova, Orientalist, Senior Lecturer at the Department of History of the Middle East, St. Petersburg State University, expert for the Telegram channel ‘Arab Africa’
#Africa#Egypt 🇪🇬#European Union 🇪🇺 (EU)#International Monetary Fund (IMF)#Heavy Loans 💸 💵#Billion-Dollar IMF Deals#Foreign Loans 💸 💵#Combat | Economic Crisis#Migrants#The United Arab Emirates 🇦🇪
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#Personal#The end of the month officially starts on the 15th when all the bills are taken out of the bank account 💸 😵💫#my kid came home with a note from the teacher that they’re going to take the bus to see a play next week and parents need to pay the fee#I mean it’s nice and I like that my kid gets to do that with her class#they don’t do things often because it’s a public school that isn’t overly funded..it’s fine and my kid has her friends there so no complain#But man I hadn’t budgeted extra expenses…#it’s like they’re also going to do a ‘costume afternoon’ and they have to bring a green costume because each class has their own color them#It’s nice and my kid is excited and I do pray the fairy dress she had last year still fits her a little bit because I can’t buy anything ne#And my sisters want to do a family outing this weekend and go to the cinema… but man that’s expensive af these days#I’m again going to be the party pooper who says no#but whatever they just don’t get it#They didn’t get it when I had basically nothing to live off for months after my paid course ended in November ‘22#and they didn’t get it when my shitty ex stopped paying child support right around the same time#they didn’t understand much of anything that we had to go through last year or how it impacted us emotionally and financially#and they have no understanding of what it feels like to live the month on 400 or 600 for the both of us#I don’t even know why it still frustrates me at this point bc they’ve been blind to what’s going on in my life basically since I was 10#Anywayyy rant over
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i said she was my new static fav… so who was the title holder? yep it’s him im just a basic babygirl with a sasuke collection, who started buying figs bc of him rippp just a very simple fig of him but srsly my long time fav 💜 i guess they can be mr and ms static fav instead 😂 ohhh and i love how same scaled-ish they are~~~
come say hi to the newest fav in this house!!! she’s so sooo beautiful!!! 😭❄️
and the massive box that overwhelmed my table 😂 couldnt film my usual unboxing way with this~
some makeshift shots against a dark background because details!!! 🤍 I LOVE HER SO MUCH MY NEW FAV STATIC FIG FOR SURE!!! ❄️ video here ❄️
#i like so much how this rukia fig can definitely join the purple corner aka sasuke+killua+gojo corner with its whiteness and purpleness#ALSO omg omg seeing the so much purpleness side by side reminds me of cloud’s dress static arts 😭😭😭 holy shit i want to buy it now#even tho i dont like square enix figs in general raaaaawr 😩🤑💸💸 i need more source of funds so i can buy that shamelessly and guiltlessly#i can be shameless and buy one of that now but i will be guilty for a sec because i have this value virtue whatever of...#only spending the right price for the right quality and square enix be the most shameless when it comes to pricing their low quality figure#like beeetch cant they just partner with proper action figure companies theyre so NOT IT
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Things to manifest: luxury edition
💸💵: Being a trust fund/nepotism baby
💸💵: Owning a private plane
💸💵: Having a vacation home all over the world
💸💵: Being a millionaire, billionaire or trillionaire
💸💵: Owning multiple business/shares and being a popular name amongst people
💸💵: Having lots of connections
💸💵: Easily get visas for ur desired countries
💸💵: Go on vacation a lot
💸💵: Any money you spend comes back x 100
💸💵: Immune to getting scammed, robbed, debt, or losing lots of money
💸💵: Having a mansion of ur desired aesthetic
💸💵: Have your desired cars
💸💵: Have your desired jewellery
💸💵: Magnetic and powerful aura that demands attention and respect from everyone
💸💵: Living in a palace with helpers, cleaners, personal chefs, gardeners, etc.
💸💵: Extreme beauty. People cannot believe you are so elegant and otherworldly
💸💵: Always use your money for good and not get blindsided by it
#law of assumption#ask#manifesting#edward art#loa#neville goddard#heavenangelly#loa tumblr#loassumption#manifest#imagination#4d#3d#things to manifest#luxury
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financial knowledge for the girlies 🤍🍓💸
Develop a budget: Creating and sticking to a budget can help you better understand your income and expenses, and learn how to prioritize your spending.
Save regularly: Saving money is crucial for achieving financial stability. You can set up automatic transfers to a savings account so you won't be tempted to spend the money.
Pay off debt: High-interest debt can hinder your financial progress. Make a plan to pay off your debts and focus on high-interest debts first.
Invest wisely: Investing can help your money grow over time. Look for low-cost index funds, which can give you broad exposure to the market at a low cost.
Understand compound interest: Compound interest is the interest you earn on interest. By investing consistently, the power of compound interest can help you build wealth over time.
Research before making big financial decisions: Before making a major decision, such as buying a house or car, research different options and weigh the costs and benefits.
Learn from your mistakes: Every failure or setback can teach you something valuable. Use these experiences to inform your future financial decisions.
Get professional advice: Seek advice from a financial advisor if you're unsure about your financial decisions. They can provide guidance on investments, retirement planning, and tax strategies.
Be aware of scams: Scammers can take advantage of financial illiteracy. Be cautious when someone offers an investment that's too good to be true.
Continuous learning: Financial knowledge is constantly changing, so stay informed by regularly reading financial news, books, and attending classes or webinars.
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Full thread from Sam on the SAG strike and Dropout!
[ID: A thread from Sam on twitter, as follows: "A thread about the strike and Dropout production: 👇✊. I stand in complete and utter solidarity with our striking performers. I myself am SAG-AFTRA, as are others on our executive team, having come from the world of working actors. I am nothing but sympathetic to their cause and outraged by the mafia-like behavior of the major streamers and AMPTP. It is harder than ever to make a living in this industry, and that goes even for the lucky few of us who get to work on meaningful projects.
In the meanwhile… 🤑 Uber-rich CEOs and shareholders are cashing in like never before 💸 Major streamers are gambling millions on dubious projects and business models 🍾 Hollywood is hiding profits and playing the victim while drinking champagne aboard their superyachts
Dropout production is right now on hold. Because we aren't associated with the AMPTP, it's possible we may be able to reach an interim agreement with SAG that allows us to continue to produce content during the strike.
But we'll only do that, obviously, if we get the blessing of the union and the buy-in of our performers. If not, we have enough content in the can to last us a little past the end of the year.
I pride myself in that Dropout has always paid above SAG minimums. As the years go on and the company is healthier, we will strive to do even better, and then even better still. Without the talent of our performers, we are zilch. Zero. Nothing."
Attached is an instagram post from an actor reading: "The Netflix show in question is shorter than a traditional half hour. But @ collegehumor and @ dropouttv paid me MORE than that for one of their scripted series. Dropout was a brand new online platform at the time and they still managed to pay their actors more than NETFLIX for scripted short form content."
Thread continues: "Public companies don't do this for the very simple reason that they feel more indebted to their executives and shareholders than they do their workforce. It's why corporations are so often exploitative. Our industry, because our jobs are so desirable, is especially vulnerable to exploitation. Hollywood takes advantage of that by making us feel generally commoditized, cheap, and replaceable …which is ironic given just how personal our work so often is. That's why unions - and the power of collective bargaining - is so important: because public companies often won't pay their workforce any more than they're forced to.
As for me, I intend to honor my union's position that I not promote SAG productions as a performer -- even if they are produced by me. That means that I won't personally be promoting any of our shows for the time being.
Attached is a screenshot of Sam on Discord responding to the question "given the strike… what picket line chant will you be rockin'?" with "i'm a talent / CEO! me says me has got to go!"
Thread continues: "This year, instead of running a FYC campaign for Game Changer, we donated $10k to the Entertainment Community Fund in solidarity with the WGA. Today, in solidarity with SAG-AFTRA, I'm personally matching that donation with another $10,000. If you have any disposable income, I encourage you to donate as well: https://entertainmentcommunity.org. And as soon as I test negative for COVID, I'll see you on the picket line. ✊"]
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🍉Please don't skip!!🍉
Hello,❤
My campaign is very slow since it has been more than 2 months since its creation 😢 Please help me by donating to me and sharing my link👃
I am Ethan's friend,🤝 Make sure I am telling the truth.
I am a young man,🙌 I am 23 years old, and I have nothing to help me in life,☠ such as rebuilding my house, getting married, and completing my education.😭 I only have fatigue, anxiety, and suffering.😢 Please help me share my story and donate to me,👃 even if it is a little. I feel very embarrassed to ask people for help,🤦♂️ but what should I do🤷♂️? I am forced to do this. Forgive me.😓
I am Mohammed, 23 years old,👨💼 I used to live in Khan Yunis,💚 I was a university student studying Information Technology👨💻 at the Islamic University of Gaza,🏫 but my university was completely destroyed,💣 This was my passion in life, but it evaporated in this difficult war,😭 Even my home where I spent my childhood and all my happy memories turned to ashes,😵 I became homeless, so how can I continue my life😢? Please support me so that my passion👃 returns, and so that I can achieve my dream of studying again,👃 I would like to inform you that we are living a crisis of lack of detergents or winter clothes, knowing that winter is coming🌧 with its severe cold that eats the body severely,🙏🏻 I cannot complete this message due to the abundance of tears and pain,😢 Your simple help💸 will make a big difference in my life😙.
My survival fund has been vetted by Global Mutual a!d @beesandwatermelons🍉.
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The campaign has been vetted by the association. They are (#132 in Bees and Watermelons' approved fundraiser list, shared by 90-ghost, #255 in approved fundraiser list vetted by el-shab-hussein and nabulsi), see post here for proof.
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Let's Make the End of This Year the Beginning of New Hope ✨🌟
As the year comes to a close, we reflect on all we've been through and look forward to a future filled with hope and change. 🌱 For me, this year has been full of challenges, but I truly believe that your support can make a world of difference. 💖
Vetted by @bilal-salah0
Vetted by Gaza Family Funds line #62
I live in Gaza, where the harsh conditions make daily life incredibly difficult. 🌧️ I’m working on a donation campaign to support my family of 11 members and provide the essential needs that we are desperately missing. 🏠
Let’s end this year with a spirit of giving and solidarity. Your donation, no matter how small, can be a huge gift to me and my family as we start the new year. 🌟✨
How You Can Help:
1. Donate via the link below. 💸
2. Share this post with your friends and family. 📲
Every donation is a step towards hope. 🙏 Thank you for your support and generosity. Together, we can end this year in the best way possible. ❤️🌍
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#free gaza#free palestine#palestine#photography#fundraiser#art#gaza genocide#drawing#humanity#love#free palatine#from the river to the sea palestine will be free#free gaxa#artisits on tumblr#queer artist#photooftheday#color photography#jayvik#arcane
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THE SUBTLE ART OF BECOMING FINANCIALLY FREE IN 2024 💸 🎀 ྀིྀི
Hey girlies, Hanalia is back, ready to dive into some real talk about achieving financial freedom. No fluff, just hardcore truths to help you grow and secure your future like the badass queens you are.
1. Know Your Worth: Ladies, let's talk real. Your value isn't about how many likes you get or what brand you wear. It's about your talents, your skills, and your drive to succeed. Invest in yourself—learn, grow, and never underestimate what you bring to the table.
˖⁺‧₊ It's not just about earning money; it's about how you invest it. Our aim is growth, and often, you need income to invest in yourself. ˖⁺‧₊
2. Budget Like a Boss: Financial freedom starts with knowing where your money goes, okay. Time to get real with those finances. Budgeting isn't about restrictions; it's about empowerment. I used to think it was all about penny-pinching, but it's really about knowing where every dollar goes and making intentional choices.
3. Crush Debt: Debt can feel overwhelming, trust me, I've been there. But facing it head-on is how you break free. Start with the high-interest stuff, make a plan, and stick to it like your future depends on it—because it does.
˖⁺‧₊ Debt can feel like quicksand, but you're no damsel in distress. The sooner you free yourself from debt, the sooner you'll have more money to build your empire.˖⁺‧₊
4. Invest Wisely: Investing isn't just for the rich. Start small, educate yourself, and build your portfolio. I've learned that the sooner you start, the more your money can grow over time. It's about making your money work for you, not the other way around.
˖⁺‧₊ PS. Forget the lottery mentality. Real wealth is built through smart investing. Educate yourself on stocks, bonds, real estate—whatever piques your interest. Start small, diversify, and let your money work for you.˖⁺‧₊
5. Build Multiple Streams of Income: Oh my osh! I cannot stress enough the importance of this! Your 9-to-5 isn't your only option. I've hustled with side gigs, freelancing—you name it. Multiple streams of income give you security and freedom. Don't limit yourself—explore what lights you up and brings in the cash.
6. Protect Yourself: Life's unpredictable, but you can be prepared. Having health insurance and an emergency fund can be lifesavers. It's about peace of mind and knowing you're covered, no matter what.
˖⁺‧₊ Get health insurance, build an emergency fund, and consider long-term savings like retirement plans.˖⁺‧₊
7. Own Your Future: Financial freedom isn't an end goal; it's a mindset. It's about having choices and the power to live life on your terms. Stay focused, stay disciplined, and never settle for less than you deserve.
Your money is your shield. Make it stronger, fairly. I completely understand that nowadays there are countless ways to earn income, but always choose the ones that align with your values.
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Last but not least, at the end of your journey of becoming that girl awaits the future who is The Girl!
Stay safe and stay hot...
With Love, Hanalia
#thatgirl#selflove#selfcare#dailyplanner#glowup#selfimprovement#softgirl#lovecore#thatgirl2024#becomingher#That girl planner#that girl#that girl aesthetic#that girl routine#clean girl#daily planner#self love#self care#wonyoungism#becoming that girl#becoming her#self improvement#glow up#pink pilates princess#soft girl#that girl 2024
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Ancient World Dashboard Simulator
🐢 aristotlestortoise Follow
I'm so sick of these philosophers waving dead chickens around to prove their point like that's not contributing to unnecessary food waste when children are starving in Gaul
🦷 diogenessimp Follow
and who says they didn't eat the chicken afterwards you presumptuous garum sipper
besides how would that benefit a starving child in gaul diogenes did that in athens thats like 6000 stadia away from gaul
🐢 aristotlestortoise Follow
As if donating a day-old chicken that had been used as a prop isn't a hazard for food poisoning or something geez
How about you bring in a live chicken and demonstrate your point with that and then donate it to a godsdamned farmer who can do something with it
🦷 diogenessimp Follow
look neither of us understands diogenes whole school of thought as well as he does and if he thinks using poultry for props is the best choice then imma trust he knows what he's talking about
🦣 giantwoolybones
do you guys know that you are arguing about a dead chicken
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👨👦 corophilus
not to be an art critic on main or anything but has this sculptor ever heard of a dynamic pose
#a boy this age would be moving!!
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✊ p-o-p-u-l-a-r-i-s Follow
The people just don't seem to care about how Caligula keeps beginning new construction projects with public funds. People are homeless and starving and he puts up a new theater in the middle of the city as if we need that.
Now he's claiming to be a god?? Plus there's rumors he has sex with his horse.
It's very important that you contact the members of the senate to let them know the people are ready to rise up if they don't depose Caligula. We should get organized and flood the streets.
🎽 crixusstan
I see you not reblogging this. Come on, this should have 200k notes
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💸 achaemenid Follow
Dude, this invention of the coin is so iconic. Cyrus is gonna go down in history for this one. I mean that in a good way.
🪙 lydianmetallurgy Follow
Sorry but Cyrus stole the entire concept of the coin from us and I'm sick of people acting like we didn't have contributions to make to advancements in science and culture just because we were conquered by your stupid empire. Cyrus is a tyrant and just wants to gather as much power as he can.
🦁 daniyye
Cyrus let my people go back to our homeland, so he's all right by me
#by the rivers of Babylon we sat and wept when we remembered Zion #now we don't have to do that anymore!!
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🥇 gladiatorheadtohead Follow
Remember, you're voting for who you think would win the fight, not who you like the best.
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🐺 lyca
just left my den and there's just 2 human babies lying on the ground all alone
wtf do i do
🐺 lyca
so i happen to already be lactating so i guess... i just have 2 more cubs now?
🐺 lyca
guys these babies are so cute. i think they're going to do great things one day
#personal #do not reblog i mean it this time 6 Notes
🍆 miletus-leather Follow
The best sex toy shop in Miletus. Come see our selection!
🦌 artemisbow Follow
I'm not one to harsh on a small business trying to make it but I've been to this shop and women are an afterthought here. You'd think the only people interested in dildos were men the way they act here.
🍆 miletus-leather Follow
Women should be weaving and taking care of their children, not coming into our sex shop.
😈 hermescock Follow
K
🐐 blessedsatir
U
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#dash simulator#dashboard simulator#ancient rome#classical rome#ancient greece#classical greece#ancient persia#ancient israel#ancient lydia#bonus since i know you want to know gaul was 13000 stadia from athens
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THE DEED IS DONE. 💸 Thank you all SO much for the help in June raising funds for these amazing orgs. Together we raised $1172.53 resulting in a $390.84 donation to each group. 🥰
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🍉 Help Lina's children survive 🍉
This is a follow-up to this campaign post. Thank you so much to everyone who donated. Thanks to your help, Lina (@linoomk) was able to find a place to rent for one month, so that her babies can get out of the cold. They were always getting sick--I'm happy to inform you all that Sidra's condition has now improved a bit. 🥰
With the funds raised, Lina was able to purchase diapers, milk for Saif and Sidra, flour, canned food, as well as some vegetables. I can't emphasize enough that Lina's children can only eat thanks to your donations.
However, please don't let your support of Lina end here. There are rumours that the Rafah crossing may open again soon--whether this is true or not, it is an unfortunate fact that for most if not all Palestinians trapped in Gaza, the funds that they've raised for evacuations have had to be used for survival. As a reminder:
🍞 A 25kg bag of flour: 80 euros
🐣 Diapers: 60 euros
🍼 3 cartons of milk: 60 euros
🍅 Vegetables when available, and other supplies: 100 euros
💧 Water (for drinking, cleaning, and hygiene): 80 euros
💸 Withdrawal fee: 30%
Despite everything, Lina's campaign still receives very little attention. Every victory is hard-earned, and mostly thanks to a few select very generous donors. Lina and I are both grateful, but survival is still not guaranteed. Food and baby supplies are extremely expensive.
Please help this family survive, and give them hope for evacuation.
VETTED: HERE
DONATE HERE:
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🍉Pacifism for Palestine🍉
Phisnom is donating everything to the Palestine Children’s Relief Fund, please donate if you can and if you can’t then spread the word 🍉 From the River to the Sea Palestine will be Free🍉
Edit: the event is over but you can still donate to the charity 🍉
https://www.pcrf.net
#phisnom#phisart#palestine#free gaza#gaza#i stand with palestine 🇵🇸#🍉🍉🍉#🍉#palestine 🍉#🇵🇸#free palestine 🇵🇸#from the river to the sea 🇵🇸#free gaza 🇵🇸#undertale#deltarune#undertale fangame#deltarune fangame#palestine children's relief fund#please donate if you can#🎉🎉🎉
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If I Don’t Post in the Coming Days, Know That I’m Gone—Pray for Me 🙏🏻💔
Hello, I just need to pour my heart out for a moment.
I created a GoFundMe account at the end of June, but I never really promoted my campaign until about two weeks ago. I always wondered, "Will I even live long enough to spend the money? Will I survive this, rebuild my life, and return to normal?" 🌪️ I questioned whether I’d ever fix our home, or maybe leave this war-torn land to create a better future with my husband and our only daughter in a peaceful country. 🏚️🛤��� Deep down, I believed I wouldn’t make it to withdraw and use the funds.
But now, my money is gone, and we have no source of income. So, I decided to finally share my campaign. Yet, for the past three nights, I’ve returned to the same grim thought: that I won’t live to use even a penny of it. 💸
We’re enduring terrifying nights, living in constant fear of death. Airstrikes and artillery shelling are happening randomly. Just a few days ago, many of our neighbors were hit. In those dreadful moments, my husband, daughter, and I looked at each other in silence, saying our goodbyes with nothing but fear in our eyes. We held hands, bracing for the worst. 💔👨👩👧
If you don’t hear from me again, know that I am no longer here. Please pray for my soul. 🙏🏻
@90-ghost @el-shab-hussein @nabulsi @timetravellingkitty @meaganandersoncolor @briarhips @mahoushojoe @rhubarbspring @commissions4aid-international @wellwaterhysteria @mangocheesecakes @kyra45-helping-others @marnot-blog @7bittersweet @tortiefrancis @toiletpotato @fromjannah @omegaversereloaded @vague-humanoid @criptocracia @amygdalae @ankle-beez @chilewithcarnage @ghelgheli @sayruq @deepspaceboytoy @mohamedddw @junglejim4233 @post-impressionisms @neechees @irhabiya @neptunerings @heritageposts @ot3 @deathlonging @deathlonelypast-blog @mazzikah @schoolhater @pcktknife @transmutationisms @kibumkim @sawasawako @feluka @dykesbat @mavigator @lacecap @socalgal @tododeku-or-bust @victoriawhimsey @magnus-rhymes-with-swagness
#free gaza#gaza gfm#gazaunderattack#gofundme#help gaza#palestine gfm#please help#gfm#pls help#send help#emergency funds#go fund me#fundraiser#donations
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🍉Please don't skip !!🍉
Hello,❤
No one donates to me😢 please help me to make them donate to me share my link👃
I'm Ethan's friend,🤝 make sure I'm telling the truth.
I am a young man,🙌 23 years old, and I do not have anything to help me in life,☠ such as rebuilding my house, getting married, and completing my education.😭 I only have fatigue, worry, and suffering.😢 Please help me share my story and donate to me,👃 even if it is a little. I am very embarrassed to ask people for help,🤦♂️ but what should I do🤷♂️? I am forced to do this. Forgive me.😓
I am Mohammed, 23 years old,👨💼 I used to live in Khan Younis,💚 I was a university student studying information technology👨💻 at the Islamic University of Gaza,🏫 but my entire university was destroyed,💣 this was my passion in life, but it evaporated in this difficult war,😭 even my home where I spent my childhood and all my happy memories turned to ashes,😵 I became homeless, so how can I continue my life😢? Please support me so that my passion returns,👃 and so that I can achieve my dream of studying again,👃 I would like to inform you that we are living a crisis of no detergents or winter clothes, knowing that winter is coming🌧 with its severe cold that eats the body severely,🙏🏻 I cannot complete this message because of the many tears and pain,😢 your simple help💸 will make a big difference in my life😙.
my survival fund has been vetted by global mutual a!d collective @beesandwatermelons🍉.
https://www.gofundme.com/f/g9kap-help-mohammed-rebuild-his-home-in-gaza
campaign is vetted by association. They are (132 on the Bees and Watermelons verified fundraiser list, shared by 90-ghost, #255 on the verified fundraiser sheet vetted by el-shab-hussein and nabulsi), see post here for proof.
Please help me👃
I urgently need money💸 as winter is coming🌧 and there are not enough clothes and blankets😓
because our clothes and blankets are still under the rubble❔.
https://www.instagram.com/mohammed.m.siam?igsh=ZGUzMzM3NWJiOQ==
This fundraiser is linked on the fundraiser spreadsheet made by @beesandwatermelons on instagram.
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Selling this cute TV head bot design I found in my folders with a lot of fun BRCF/JSR vibes! Hoping to get it a good home to help fund my TFcon Trip next month!! <3 💸Regular bid winner gets a cleaned up version of the images above 💸AB gets an additional chibi and & colored sketch! Link to auction thread to bid can be found here!
#object head#adoptable#oc adopt#adopt for sale#tv head#bomb rush cyberfunk#concept art#robot oc#robot#mech
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