#open saving account

[abishekkadame]

How to build an Emergency fund

Unexpected events can happen in life that might be good or bad. So, it would help full if you were financially prepared to face it. Before the pandemic, no one knows about the emergency fund. After experiencing layoffs, the pandemic, and medical issues, many people are thinking about savings. At this time, an FD account can help to save money. FD savings can help you get through difficult times quite easily. You won’t have to depend on loans or credit cards, if you have an emergency fund that keeps you surviving during difficult situations. Here is a quick guide to building a fund:

Set a clear target:

Prepare yourself from the starting point for success. Set a goal for at least 3 to 6 months of living expenses. This target will guide your savings strategy. Review your financial goals regularly. It can help you manage the budget. Even small changes can affect the time you need to reach your emergency savings. So set a clear target to achieve your savings goal.

Automate your savings:

The simplest way to save money is to investing. It means most employers send cash through online, so you can easily spend more money for buying things. It will affect your savings. So, set up a separate account for your savings and deposit the amount you selected for your contribution. Use a savings account that you cannot access easily. Because these things can easily change your mind to spend more money. Put it out of your mind and let time do its thing.

Avoid increasing your monthly spending:

If saving has become a routine, you may think that you’re financially secure. This can make you spend money on unwanted things, so be aware. For example, if you buy new dresses or shoes every month, it becomes a regular habit. So you are not saving anything. Having appropriate savings is essential for your financial stability. Be realistic, but try to achieve your savings target. That makes your life more enjoyable.

Increase your emergency fund:

Utilize the opportunity that can help you increase your emergency fund, whenever you can have extra money transferred to your savings account. A great opportunity to grow your funds is to finish paying off your money. After you have paid off your loan, deposit money into a savings account. This is a great way to secure available money.

Final words:

These times, the majority of the people aim for early financial independence. So, if you want all your financial needs taken care of at the time of retirement, follow the above strategies. The initial step is to build an emergency fund to cover all sudden costs shortly. Even though it requires careful planning and intelligent investing during emergency medical needs like lockdowns or pandemic situations, it’s really useful. You can also try saving money through online platforms and easily send amounts through money-sharing apps. This is really useful in emergencies. So save your money for better future and risk-free life!

[amit2790]

Starting an Online Business with UPI: How It Helps

The Unified Payments Interface is India’s major step toward a cashless society. It is a payment system that allows users to connect multiple bank accounts to one smartphone app. It also provides fund transfers without needing IFSC codes and bank account numbers. If you add the UPI money transfer app to your business, it’s easy to transfer your money. Ensure you have a smartphone, active bank account, mobile phone, and bank account that are both connected and have better internet access. Here are some key advantages of UPI with business.

Small transaction:

UPI payments allow small shopkeepers and consumers to conduct low-cost transactions. Comparing a Visa and Master card can charge some fee of 1-2% of the transaction amount, UPI transactions are entirely free of cost. This leads to higher savings over the longer term.

Expand your customer:

 UPI can help you expand your customer reach. If you have one or two payment options, it affects your business and your customers. Recently, many people have been using UPI accounts to make payments. By including UPI in your business operations, you can connect with several customers and expand your business.

Many accounts with one app:

UPI has allowed you to manage all your bank accounts with a single app anywhere. You don’t need to use various types of apps, just link your bank account to a UPI app. However, you must choose a default bank account, so if anyone pays to your UPI ID, the amount is directly deposited to that account.

Real-time monitoring:

One of the key features of UPI is real-time transaction monitoring. As a small business owner, you can easily track your payments and expenses. Which helps to improve your financial management. With the help of the UPI app, you can maintain a clear and current financial status and improve your financial performance. Also, you can address the problems.

Safe and secure:

Payments can only be transferred from a mobile phone in which your SIM card or mobile number is registered with your bank account. If you are making a UPI payment, you need to verify your secret PIN. The major advantage of UPI is that it makes transactions fast and secure. UPI features like two-factor authentication and encryption can protect against fraudulent activities.  

Better than wallet:

Online banking is better than a wallet because you can’t put a lot of money into your wallet. But in online bank accounts, you can save a lot of amounts and use it everywhere. Wallets don’t let business owners earn interest on their balance, but with UPI, your money stays in your bank account. This way, you earn interest on the money you keep in the bank.

Final words: The points mentioned above demonstrate that UPI offers many advantages for your business. It is safe to use UPI as a payment method because it has excellent security features. With UPI payments, your customers can make the fastest money transfers, providing peace of mind for you and your customers.

[captain-astors]

The Crown Prince

[jmdbjk]

The year that was 2024:

But first...

Standing at the threshold of 2025 I look back far past 2024 to that day in June 2022 and the grief, disbelief... the shock and trauma those of us experienced while watching the Festa Dinner video. That dinner had been pre-recorded a few weeks prior and they released it on June 14. The members had to be scared of what our reactions would be when we watched it. 

At that time we still had no idea how military enlistment would unfold, that news was still months away for us after the October concert in Busan. All we knew was BTS was going to pause but we did not really know what that meant. And it wasn't just the fans who went into a tailspin, Hybe stock took a dip, the secretary of Ministry of Culture Sports and Tourism begged BTS to come back. The news of a BTS hiatus began to hit international news media across the globe. The emotional devastation was real.

That day and following days, it seemed like 2025 was forever in the future. What would we be like in 2025? What would the members of BTS be like? What would the music industry landscape be like? What would the world be like? It was two and a half years away from that day. Back in June 2022, 2025 seemed like a lifetime away in the future, a bleak, dark unknown.

We attempted to pull ourselves together and look for the positives... "we'll save so much money!” and "we'll have time to learn Korean!" HAH! The real winner: “I can catch up on content!” LMAO!

Here we are now, two and a half years later. My god the shit that's transpired since. A lot of it was not on anyone's radar.

2024, the year of fighting...

Throughout the year and as the year wore on, we fought boycotters, haters, mantis and solos. We fought the media, each other, other fandoms... it was a constant battle to clear the mess. Our main weapon? Our love for BTS and the members and our commitment and determination.

We should be better at recognizing bad actors, at recognizing organized hate. I hope you all are blocking it, muting it because it is an energy drain to dwell on it and it exists. Some people are compelled to lash back at it. I'm not one of those. I prefer blocking/muting. Do what is right for you.

So here's a recap of 2024...the first quarter of the year started out calmly.

January: We were basking in the BTS documentary series Beyond the Star and waiting for a sign of our men completing their basic training. We were hoping to find out where they would be stationed for the rest of their military service.

February was relatively quiet. Except for this.

Tae's song "Fri(end)s", released mid-March.

Hope on the Street Vol. 1 released end of March with the six episode docu-series running through April.

We were hitting our stride, understanding that they'd prepared so much for us while they were away. Even k-media reported on the unusual amount of content produced by BTS to span their enlistment time. It was reassuring and we were spoiled. Looking back, it was the quiet before the storm...

This "quiet before the storm" has never quieted before the storm like this quiet before the storm quieted the first quarter of 2024.

In April we witnessed a real eclipse in the sky and then while we were having the best time unraveling the mystery of the Monochrome merch popups, the shit hit the fan with the Min Hee Jin revelations. And that circus was just beginning. Maybe I'm just naive or too much of a positive person but I never fathomed that there were people out there this demented, this twisted, this delusional, controlling and narcissistic that they thought they could single-handedly bring down a huge company like Hybe via public opinion. And as time went on and continues to go on we learned she was not alone. That woman is sick and evil.

I recalled back in 2021 seeing people be paranoid about the young company, Hybe, hiring ex-SM employees. I wanted to believe these former SM employees they hired saw the opportunity to escape a toxic workplace and therefore defected to Hybe. Now we know the paranoia was justified.

The end of April and into May I watched Begins ≠ Youth, the drama series based on the BTS Universe. It took years for that series to finally see the light of day. It was very intriguing. There was a lot of controversy about Xclusive, the platform it was delivered on. My theory is it was an experiment to see how fans would react to a blockchain/NFT product. I have a huge post in my drafts about it but we moved on from it quickly, so I did too. The series was great though.

The rest of May was a month where we were trying to remain calm, trying to remain positive. We as a fandom felt very beat up. Anticipation was through the roof for Jin's military discharge and Festa.

But first, Namjoon released Right Place, Wrong Person, the studio album and subsequently, the accompanying documentary, Right People, Wrong Place. Both the album and documentary are critically acclaimed, winning awards and landing on "best of" lists across the globe.

Finally, it's June. Jin's discharge was so emotional for everyone. We were able to see everyone except Yoongi greet him outside the gates. But it was amazing seeing all 7 together in still photos afterward. It was a collective sigh of relief that we truly are beginning the downhill side of their military enlistment. Jin has been working his ass off since that day, his album Happy and its title song Running Wild doing well.

I know we've got our opinions about the South Korean government but that day, for me, seeing Jimin and Jungkook in their uniforms, as soldiers, just hit a spot in me that I can't describe. I felt proud of them. And I hope after their discharge they can tuck away that sense of accomplishment in a safe space and flip the bird at the bureaucrats running their country.

Jimin dropped his second album, Muse, in July, the mystery solved of what all those other producers were doing with Jimin the second half of 2022. The title song Who continues to chart. His songs are wonderful. I'm so proud of how far he's come during this solo era. I miss him.

And then Are You Sure?! happened. Even though we KNEW it was coming, I can't believe we got that show. I can't believe they did all of that. Naked Jimin except for a small pair of black shorts... naked Jungkook. Just so much naked after years of Victorian era artist protection CG over every square inch of bare skin. Watching that show, so much of what I knew in my mind of how they are together was mostly confirmed.

I said this months ago: After Jungkook’s 2023 Weverse lives, the Are You Sure?! series, their companion military enlistment and his documentary I Am Still the theatrical release and the Disney+ docu-series, it is clear that Jimin is Jungkook’s touchstone, a significant presence through at least this part of his life. We can’t know what the future holds, I would never dare to assume what their own personal desires or goals are for themselves, but I do know that Jimin will play a big part in it and I hope we still get to see some of that play out when it happens.

I'm still processing. I digressed. It happens when it comes to me, Jimin and Jungkook. Moving on.

August... my god. My dear Yoongi. We are still waiting to see him again, to see with our own eyes that he is actually ok and to figuratively take his hand in ours, to reassure each other and keep moving forward to leave this year far behind. I know he knows we are here. I can't stand the wall though, of not being able to see him. Does that make sense? I mostly keep my thoughts to myself about him because it really hurts my heart to think about him having to suffer through all that. August and into September were hard, hard… so hard.

Fast forward to October when Hobi stepped out of those doors on the day of his discharge, it seemed like time had flown by as if we just watched him leaving for training camp, even though it was sooooooo long ago.

And now he's lived in LA for almost a month, been in Japan and seen with more people... A possible fashion collab? Songs/album in February? We don't know anything for sure yet but info has leaked. A tour in spring? I'll be there if I can snag tickets.

We've seen glimpses of Tae and his buff self. His collab with Bing Crosby was ground breaking and hopefully will become a holiday classic just like the original. Also, happy birthday, Tae!

[Photo shared by Taehyung on his Instagram stories.]

December began shockingly with South Korea's President Yoon attempting to impose martial law. My heart dropped. Our guys were on red alert, scrambling. It lasted a few hours before being overturned by their national assembly.

Mid-December, while on a vacation leave, Jungkook surprised us with a 2 and a half hour live just like he used to do. He looked so good. He sounded good. From what I saw, he's still the same Jungkook.

Do you realize, if martial law had remained in effect, we would not have seen Jungkook? There would be no celebrating. We would all be in limbo. Who knows what that crazy shithead (now impeached-president Yoon) would have done if martial law was still in place. The slow reveal of information about the planning of it is chilling and should be a reminder to us all to not take things for granted. Their National Assembly are still trying to get everything under control, the turmoil is not over yet.

Somehow, the Universe is working overtime to get BTS through their service and I hope it continues to do so because we still have just under six months left. At this point, I believe anything could happen.

Counting down the hours to 2025

We are about to enter the holy Borayear of our Lord Min Yoongi 2025. Bestie and I talked a lot about what the possibilities might be for 2025.

Of course, like everyone else, we know nothing for sure, only what we've gleaned from the member's themselves, official announcements, news releases and hints here and there. What we DO know for sure is there will not be a void. We have two Tannies back with us. Music will be released, content produced:

January 4 is Jin's OST.

Not directly BTS related but we as a fandom would like some closure and satisfaction surrounding the MHJ drama because trials will begin in January.

Hobi has something coming. Certainly Hobi will have another EP, perhaps HOTS Vol. 2? which would be supported with a tour. There's been a leak of info. We are on high alert.

For the others, perhaps a few one-off singles before June. Between us, we don't think Tae has another album's worth of music. Jungkook either.

A Yoongi collab perhaps?

Namjoon, probably nothing. Poor baby is so ready to be discharged.

The Jimin x Benny Blanco music, whatever that may be.

Maybe that rumored JK x Tae subunit song. Or maybe it's not a song?

Jin mentioned another album but the timing is tight to squeeze it in before June.

Then the HYYH 10th Anniversary in April, whatever that may entail. A retrospective perhaps?

Attempting to predict how their discharge days will play out is difficult. Jin and Hobi splitting up to meet Namjoon and Tae at their respective bases? And then all four of them head to Jimin and Jungkook the next day to greet them as they exit their base? We wait with anticipation.

After the Boraholy month of June 2025, we expect group activities to ramp up. What those will be is anyone's guess. Weverse lives for sure. Also, dance practice videos. We expect new music. We also expect performances. Perhaps a one-off "we're baaAAAaack!" type concert? Or not. But performances of some sort. They've been looking forward so much to performing I can't see them waiting any longer than they have to for at least one performance somewhere, somehow.

And toward the end of 2025, a comeback album and the world tour announcement. May the odds be ever in your favor. Just kidding. I'm getting those tickets.

Our speculation continues... could new music consist of more subunits?

I could be wrong but I do not think they will revisit a Bon Voyage or In The Soop format. They might pick up Run BTS but it won’t be like it was before. I can’t even see them doing what Jin’s doing in many Run Jin episodes. Not as a group.

I think (I hope) that Yoongi picks up Suchwita again. I hope he does not change one iota of the format. He can address his incident again if he chooses, reiterate he apologized, paid his fine and now we’re moving on to live our big life. That’s it. I hope if this happens his first guest is BTS as a group. 

Maybe that last thing is really wishful thinking on my part but even considering Yoongi might ditch Suchwita or change it just doesn’t align with who he is. He is a “fuck you” type of guy. 

Anyway. 2025 has a promise of hope and happiness and relief and closure. But now, I think we all know to be wary, that anything can happen. 

Bottomline to all of this, to wrap up the year and look forward to the new year is that BTS is COMING BACK. SEVEN MEMBERS STRONG.

The reality is, it will be three years from that day back in 2022, when we finally see them as a group again. The members are slowly becoming more active. We have less than six months to wait and we know how fast that can go. 163 days left for Jimin and Jungkook, 162 for Namjoon and Tae, 173 left for Yoongi.

We must enjoy every moment we can until June 2025 and hope for the best! FIGHTING.

[martigator-illustrations]

HI TUMBLR IM NOT DEAD

Take the boys for nowwww

[rosedosed]

Man obviously there’s a bunch of really unfortunate consequences to Elon’s mishandling of twitter but the thing that really got to me after a while was how lonely it feels to use the platform now. I only follow my friends and a couple of artists yet my whole dash is filled with total strangers and blue checkmarks trying to farm engagement. There’s an unblockable ad every three tweets (two if you’re counting the bots trying sell me something). There’s no lingering on interesting videos cause they all autoscroll tiktok style (with ads every 3 vids). Following someone means zilch so if I wanna see what the friends I use the platform for have been up to I have to manually go to their accounts & half the time the first tweet I see is an announcement that they’re leaving. It’s such a dead mining town of a website, but instead of dying because the mines just naturally dried out and people left for greener pastures, it’s dying because the newly appointed nepobaby Sheriff got really into building a 7-story mall in the middle of the desert without ever stopping to think what it’d do to the local economy and wildlife, or even if anyone needed an apple store and three taco bells in the middle of the outback.

[rbtlvr]

AND ANOTHER THING. i know that on a meta level this is literally just How Video Game Bosses Work. but also with how well the game mechanics work into the story in many other cases i don't think it's unreasonable to look at it from an in universe perspective

SO

i think it really says something that loop only uses their stronger attacks in their second phase. i think it really says something that you have to bring them down to 0hp four (4) times, attacking them repeatedly + proving that you are willing to genuinely hurt/kill them, before they'll use their most powerful attacks on siffrin

[thrpr0phetuseek]

Tiresias, getting shivers up their spine every time a part of the prophecy is completed:

[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.

[fluffs-n-stuffs]

_____ used Destiny Bond! _____ is hoping to take his attacker down with him!

-

(Belatedly) celebrating the one-year anniversary of the 'Destiny Bond' comic with a rare, fully-illustrated piece. A bit of extra context and rambly thoughts under the cut 🫶💖💕

A little over a year ago, I posted the first part of the Destiny Bond comic, originally intended to be a one-off doodle exploring the consequences of Morty's prophetic abilities on his relationship with Eusine.

That sketchy doodle of mine ended up being a whole narrative project spanning across a few months, before I eventually took a pause on it to focus on my mental health (having reached a low earlier in the year).

It was a daring enough project in and of itself, especially with how I had spontaneously taken it on when I was still recovering from a years-long burnout with 2D art. Though (temporarily) stopping sooner than I had hoped, I can confidently say that this little comic project of mine had helped to rekindle my love for drawing as a whole, and had further lead me to meeting some of the most wonderful people and friends in this small corner of the Pokémon fandom (whom also happen to be obsessed with these two silly guys from the GSC/HGSS games). It's a project I hold dearly to my heart, and one that I hope to revisit and continue once I feel ready to do so; as the story has yet to truly kick off (I'm not even joking we're still in the prologue technically I'm yelling /lh).

I hope to be able to share the rest of this story with you all one day, in whatever new form it'll take as. For now, I want to say thank you, from the deepest parts of my heart, for supporting this passion project of mine - and to assure you to tune in for the future of this title. 👀✨

[sexy-sapphic-sorcerer]

a visual representation of my dissociative coping mechanisms:

[amit2790]

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[yinyuedijun]

so sorry if this is a stupid question but like... how do u age up characters, not like literally but like in a writing sence (cause ur suo fics were honestly amazing)

this isn't a stupid question at all, it's actually something I struggle a lot with LOL and I'm glad to hear that you liked how I handled it in my suo fics - thank you for reading 🥺!

here are the approaches I take to generally ageing people up:

think about their canon characterization - not just their traits and habits, but also their motivations/values and where their character arc is heading

think about what kind of path they'd be heading toward as an adulthood (in material, mundane terms - university, type of work, relationships, major life events, etc). sometimes the series will give you careers they're heading towards, but wherever that's not the case, I usually like to stick to very realistic career paths because it grounds them into a realistic kind of adult context that we would be able to relate to. if they're getting into some kind of exceptional career (like, for instance, yakuza membership lol, but even if I kept them in delinquent groups like shishitoren or roppo-ichiza), then I usually go out of my way to justify it.

now this is the tricky part - think about how the events of their adulthood would affect their motivations/values, traits, habits, and larger character arc. the motivations/values and character arc pieces are very important, because it basically defines the adult characterization. (that's why so much of the suo fic revolves around his master and the effect of losing him, and what it does to his values and character arc!)

I also like to think about how other, normal adults would perceive this new aged-up version of them - the typical salaryman, the typical convenience store worker, etc. I find it helps recontextualize the character away from the canon setting and toward a more realistic, adult context. this is mostly so I'm not viewing the character through rose coloured glasses as I'm writing them lol (eg, someone who may be charming to us because of our attachment to them in canon might in fact be a neurotic loser to the average well-adjusted adult).

sorry I yapped so much rip - hopefully this helps!!!!

[letsbesharkfriends]

walking around a very CBD area with my friend and you best believe I was squirming trying to not yell "HALIFAX? HALI-NO!""HSB let's C what happens""this NatWest is under arrest" at every one of those banks that we passed

[gunkbaby]

All Of The New 10th Anniversary Expo’s Shuu Merch/Merch Appearances I Guess

I’ll be honest chat, I am not a happy bunny abt most of this, but i love my beautiful princess no matter what and besides, what is my life without documenting Shuu Tsukiyama merch?

(This is all the merch from the TG expo - not including the merch released beforehand, which I have covered in other posts. Some of the merch was similar so I grouped a few of them)

Holographic Sticker/Acrylic Stand

Not enough Shuu stickers out there, I think. Whilst this illustration is not my favourite, I am glad to have another Shuu Sticker for my scrapbook.

Metallic Keychain/Postcard

(He’s top left for the postcard.)

Can Badge

Badge is 57mm - I only note this bc it’s quite a Large size! I’d put this on a tote bag or in my Ita if I weren’t paranoid about it falling off

Scene Badge

3rd image is the :re scene badge. 2nd image is just how the badges stand (?) for reference.

Famous Quote Magnet

I can’t find the exact translation but it’s roughly the ‘I want to feast upon sweet Kaneki, whilst he feasts upon her!’ quote.

Postcard Book

Shuu Appears four times in the postcards shown thus far - i am unsure as to whether there is more to come. I don’t think so, but idk.

This merch feels notable as it is also the only Kanae appearance so far in any of the merch drops. Unsurprising but it still dampened my bonfire a bit - i was hoping for a crumb of new Kanae merch.

Clear card

Mini Sticker

Another sticker - yay for my Shuu scrapbook!

Leather Charm

Shuu Wine Opener

This is the only piece of merch solely dedicated to Shuu from the expo so far. The piece of art used here could be new, but it appears similar to a different piece of art I have seen for him before, so I’m not sure exactly. I will need to compare.

If I am honest, I find the wine opener a bit lacklustre disappointing. It’s not colourful, which I’m aware is a personal gripe but like. Idk it looks like this thing is hot off the 3D printer. It’s a such a cute idea to have his kagune be the corkscrew itself - like that’s hella cool, i rly rly enjoy that idea, drillyama my beloved - but idk. It just doesn’t look quite right?

Also, just to indulge myself in a little vent: I have huge personal beef with this wine opener bc i was on the edge of my seat, waiting for the Shuu merch and the one thing we get is a fucking wine opener? It feels like an attack on me personally. (For context: I am a recovered alcoholic.)

But anyway. The rest of the merch is okay, I suppose. I’ll never turn down new Shuu merch, but I didn’t really like the new illustration of him, and it’s on a lot of this new merch. The new chibi illustration of him is cute, and I do prefer it, but idk. I’m feeling quite meh about the whole thing.

Regardless, I’ll still be buying whatever I can, because I’m a sad little freak who’s only purpose in life is to think about this fictional man, but let it be known; my credit card will be used begrudgingly with contempt for the people behind the TG anime expo merch.

[martigator-illustrations]

Hurt comfort comic thingy I did at 2am. I think Usagi would probably be pretty sensitive to loud sounds so having someone to ground him would be nice 🐢🐰💕