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theambitiouswoman · 5 months

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Basic Financial Rules To Live By 💰✨

Create a plan that shows how much money you get and how much you spend. This helps you see where your money goes.

Set aside a part of your money as savings. Try to save at least 10-20% of what you earn.

Be careful with borrowing money, especially if you have to pay back a lot of extra money (interest).

Save some money for unexpected things like medical bills or losing your job. Aim to have enough to cover your living costs for a few months.

Put your saved money into different things that can make it grow, like stocks or real estate. Be patient, as it takes time.

Don't spend more money than you make. Stick to buying what you really need, not just what you want.

Decide what you want to do with your money, both in the short term (like a vacation) and long term (like retirement).

Set up automatic transfers to your savings and bills so you don't forget to save or pay your bills on time.

Make saving money a top priority before spending on other things.

Regularly look at your money situation, adjust your plan as needed, and see how your investments are doing.

Pay your bills on time and use credit wisely (like credit cards) to keep a good credit score, which can help you get better deals on loans.

Save money for when you're older and don't work anymore. Use retirement accounts to help with this.

Think before you buy things. Don't buy something just because you want it; think if it's necessary.

Keep learning about how money works and how to make smart money choices.

Only use your emergency fund for real unexpected problems, not for things you just want to buy.

#financial planning #finance #investing #money #girl math #wealth #level up journey #it girl #dream girl #dream girl guide #dream girl tips #dream girl journey #that girl #becoming that girl #educate yourself #wealth mindset #growth mindset #success mindset

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alwaysbewoke · 6 months

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this is why prenups are important because you have to leave her. she's not an adult. she's a child in an adult body who wants this guy to just be a walking, talking atm machine with a dick. she's clearly contributing nothing but wants him to work himself to death so that she can have a social media worthy life. this is why men need to continue asking "what does she bring to the table?" or they will find themselves in this situation.

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fuzzyghost · 4 months

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#the thing about money #money #financial planning #90s #ident #retro #gif #flashing

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the-level-up-diaries · 5 months

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MY 2023 GOALS

The goals I set this year vs what I actually accomplished.

Enroll in WGU and complete a degree in 6 months

-I enrolled and switched my degree a few times. I am now enrolled in the master's program with WGU and I want to land a system admin job in the year year after I graduate that pay $90k-$120k. I am also getting Cisco and RedHat certified, so *fingers crossed* .

Pay off my student loan debt

-On December 22nd of 2023 I will officially be DEBT FREE!!! I struggled, worked 2 jobs, burned out a couple of times and made many sacrifices. I can honestly say I am very, very proud of myself. I questioned many days could I get debt free and even thought about waiting on relief, but I finally did thank God!

Get a job paying over $65k

-I took a course and landed an SDR role within a company and my job with OTE pays $72k. It's a hard job, but I am learning everyday and I hope that I can continue with the company as long as possible.

Get my credit above the 700s

-This is a yes and a no! I won't officially get my new score until the new year, but since all my debt will be gone, it should be past THE 700S.

Lose 50 lbs.

-I really struggled with my weight this year as well as my eating. What I learned is I needed to simplify my routine. I start turning on anime and watching that while I walk at a speed of 3.0-3.5 on the treadmill. I walk an hour everyday, but Sunday. I will lay out the plan on how and when I'll lose this weight in a later post.

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femmefatalevibe · 1 year

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I want to FIRE! Do you have any tips for that ;)

Hi love! While I'm not committed to their FIRE movement per se, here are some of my best tips to set yourself up for financial success:

Diligently keep track of your income and expenses. Audit every week or month to give yourself an honest look at your financial activity

Create financial goals and a realistic budget to help you achieve them

Prioritize saving up a 6-month emergency fund, maxing out your Roth IRA (or backdoor Roth IRA) and HSA account (if in the U.S.)

Purchase high-quality, timeless items that are built to last; It's cheaper in the long run to maintain items vs. constantly repurchasing items if you have the option

Create multiple sources of income: A 9-5 job, investments, side hustle, digital products, etc. Find ways to monetize activities you would enjoy doing without earning a dime

Focus on building a strong network and high-value, transferable skills: Even if you plan on working as an employee forever (no shame in that – it's a great way to get a steady paycheck), always strategize your career in a way that would leave you equipped to make it on your own. You need to be in the driver's seat of your career and financial life at all times

Make food at home, take care of your health, and take advantage of preventative medical testing, screenings, and procedures. Losing your health (physical and mental) is the easiest way to ruin your life satisfaction and your finances

Hope this helps xx

#finance #moneymindset #financial planning #savings tips #personal investments #female entrepreneurs #femme fatale #dark femininity #dark feminine energy #successhabits #success mindset #goal setting #it girl #queen energy #dream girl #female excellence #female power #femmefatalevibe #fire movement

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hazelnatcoffee · 6 months

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**READ ME!!**

Hi guys!! I have just had my top surgery consultation after years of waiting! Unfortunately my insurance is only going to cover a fraction of it, so I need your help; this is the first and (hopefully) only gofundme I've ever set up, and I'd appreciate any and all donations to help cover my medical costs and transportation/lodging fees. Even a $5 donation is appreciated. Thank you all so much <333

****PLEASE REBLOG!!!****

#top surgery #gofundme #go fund them #financial planning #fundraising #I never ask for reblogs but PLEASE REBLOG THIS

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talabib · 11 months

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Mastering the Art of Investing: Practical Strategies for Insightful Decision-Making

Key Point:

Making smart and insightful investment decisions is an attainable goal with the right strategies in place. By recognizing your limitations, managing emotions, seeking professional guidance, and aligning your investments with personal objectives, you can cultivate a robust and successful investment portfolio that stands the test of time.

Sound investment decisions are the bedrock of financial success. However, navigating the complex world of investing can be challenging, even for the most seasoned investors. This post explores practical strategies for making smart and insightful investment decisions, empowering you to grow your wealth with confidence and finesse.

Recognize the Limits of your Abilities

In both life and investing, it is crucial to acknowledge the boundaries of our expertise. Overestimating our abilities can lead to ill-advised decisions and, ultimately, financial losses. By cultivating humility and seeking external guidance when necessary, we can minimize risks and make more informed investment choices.

Manage Emotional Influence on Decision-Making

Emotions can significantly impact our ability to make rational decisions. To circumvent the sway of emotions, adopt a disciplined approach to investing, relying on data-driven analysis and long-term strategies rather than succumbing to impulsive reactions.

Leverage the Expertise of an Advisor

Engaging a professional financial advisor is a prudent investment decision. Their wealth of knowledge and experience can help you navigate market complexities and identify opportunities tailored to your financial goals, risk tolerance, and investment horizon.

Maintain Composure Amidst Market Volatility

Periods of market turbulence can incite panic among investors. However, it is essential to remain level-headed and maintain a long-term perspective during such times. Avoid making impulsive decisions based on short-term fluctuations and focus on your overarching financial objectives.

Assess Company Management Actions Over Rhetoric

When evaluating potential investments, examine the actions of a company's management rather than relying solely on their statements. This approach ensures a more accurate understanding of the organization's performance, financial health, and growth prospects.

Prioritize Value Over Glamour in Investment Selection

The most expensive investment options are not always the wisest choices. Focus on identifying value rather than being swayed by glamorous or high-priced options. This strategy promotes long-term financial growth and mitigates the risk of overpaying for underperforming assets.

Exercise Caution with Novel and Exotic Investments

While unique and exotic investment opportunities may appear enticing, approach them with caution. Ensure thorough research and due diligence before committing to such investments, as they may carry higher risks and potential pitfalls.

Align Investments with Personal Goals

Invest according to your individual objectives rather than adhering to generic rules or mimicking the choices of others. Personalized investment strategies are more likely to yield favorable results, as they account for your unique financial circumstances, risk appetite, and long-term aspirations.

Making smart and insightful investment decisions is an attainable goal with the right strategies in place. By recognizing your limitations, managing emotions, seeking professional guidance, and aligning your investments with personal objectives, you can cultivate a robust and successful investment portfolio that stands the test of time.

Action plan: Learn a few simple rules and ignore the rest of the advice you receive.

It’s easy to become completely overwhelmed by the volume of advice available about investing. However, you don’t need to become an expert on the stock market in order to become a good investor.

Just like an amateur poker player can go far if he simply learns to fold his worst hands and bet on his best ones, a novice investor can become very competent just by following a few simple rules. For example, he should learn not to overreact to dips in the market and make sure to purchase value stocks instead of glamour stocks.

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dr-avalanche · 4 months

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Basic Financial Rules To Live By

💰💰💰💰💰💰💰💰💰💰

Create a plan that shows how much money you get and how much you spend. This helps you see where your money goes.

Set aside a part of your money as savings. Try to save at least 10-20% of what you earn.

Be careful with borrowing money, especially if you have to pay back a lot of extra money (interest).

Save some money for unexpected things like medical bills or losing your job. Aim to have enough to cover your living costs for a few months.

Put your saved money into different things that can make it grow, like stocks or real estate. Be patient, as it takes time.

Don’t spend more money than you make. Stick to buying what you really need, not just what you want.

Decide what you want to do with your money, both in the short term (like a vacation) and long term (like retirement).

Set up automatic transfers to your savings and bills so you don’t forget to save or pay your bills on time.

Make saving money a top priority before spending on other things.

Regularly look at your money situation, adjust your plan as needed, and see how your investments are doing.

Pay your bills on time and use credit wisely (like credit cards) to keep a good credit score, which can help you get better deals on loans.

Save money for when you’re older and don’t work anymore. Use retirement accounts to help with this.

Think before you buy things. Don’t buy something just because you want it; think if it’s necessary.

Keep learning about how money works and how to make smart money choices.

Only use your emergency fund for real unexpected problems, not for things you just want to buy.

#financial planning #finance investing #wealth #levelup #wealth mindset #growth mindset #growth strategies #educate yourself #success mindset

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dollar-and-sense · 10 months

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Mastering Personal Finance and Investing: Your Ultimate Guide to Financial Freedom

Introduction: Understanding the Importance of Personal Finance and Investing Personal Finance and Investing: Your Path to Financial Freedom Importance of Personal Finance and Investing for Wealth Creation The Basics of Personal Finance: Budgeting, Saving, and Debt Management Mastering the Basics: Budgeting, Saving, and Debt Management Budgeting Tips for Effective Personal Finance…

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theambitiouswoman · 5 months

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Wealth Building: Money Topics You Should Learn About If You Want To Make More Money

Budgeting: This means keeping track of how much money you have and how you spend it. It helps you save money and plan for your needs.

Investing: This is like putting your money to work so it can grow over time. It's like planting seeds to grow a money tree.

Saving: Saving is when you put some money aside for later. It's like keeping some of your treats for another day.

Debt Management: This is about handling money you owe to others, like loans or credit cards. You want to pay it back without owing too much.

Credit Scores: Think of this like a report card for your money habits. It helps others decide if they can trust you with money.

Taxation: Taxes are like a fee you pay to the government. You need to understand how they work and how to pay them correctly.

Retirement Planning: This is making sure you have enough money to live comfortably when you're older and no longer working.

Estate Planning: This is like making a plan for your stuff and money after you're no longer here.

Insurance: It's like paying for protection. You give some money to an insurance company, and they help you if something bad happens.

Investment Options: These are different ways to make your money grow, like buying parts of companies or putting money in a savings account.

Financial Markets: These are places where people buy and sell things like stocks and bonds. It can affect your investments.

Risk Management: This is about being careful with your money and making smart choices to avoid losing it.

Passive Income: This is money you get without having to work for it, like rent from a property you own.

Entrepreneurship: It's like starting your own business. You create something and try to make money from it.

Behavioral Finance: This is about understanding how your feelings and thoughts can affect how you use money. You want to make good choices even when you feel worried or excited.

Financial Goals: These are like wishes for your money. You need a plan to make them come true.

Financial Tools and Apps: These are like helpers on your phone or computer that can make it easier to manage your money.

Real Estate: This is about buying and owning property, like a house or land, to make money.

Asset Protection: It's about keeping your money safe from problems or people who want to take it.

Philanthropy: This means giving money to help others, like donating to charities or causes you care about.

Compounding Interest: This is like a money snowball. When you save or invest your money, it can grow over time. As it grows, you earn even more money on the money you already earned.

Credit Cards: When you borrow money or use a credit card to buy things, you need to show you can pay it back on time. This helps you build a good reputation with money. The better your reputation, the easier it is to borrow more money when you need it.

Alternate Currencies: These are like different kinds of money that aren't like the coins and bills you're used to like Crypto. It's digital money that's not controlled by a government. Some people use it for online shopping, and others think of it as a way to invest, like buying special tokens for a game.

#money #finance #financial planning #investing #entrepreneur #wealth #success #make money online

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fuzzyghost · 1 year

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#investment #financial planning #american dream #retro #vhs #90s #screencap

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princessproductivity · 6 days

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These two mistakes are stealing your time... (They were stealing mine too!)

It can feel so disappointing to have a plan for your long-term goals written out and still feel like you are unable to achieve everything. I promise I've been there. There were two key mistakes I was making that were leaving me feeling overworked, and underproductive.

Mistake #1: Sleeping in.

I love being awake early... but I hate the act of actually waking up early. The relief that comes with knowing I'm up hours ahead of time, with plenty of wiggle room in my morning to get a head start on the day is amazing. All of a sudden, I realize my morning rush out the door doesn't need to be so stressful.

Sadly, that relief never makes the 5:00 AM alarm any easier.

The problem is that late nights lead to late mornings, and all too often I found myself rushing out the door unprepared for the day as the result of the previous night's pleasures and an extra hour of sleep. Don't get me wrong, it can feel great to sleep in on the weekend, but as my day has become less structured around a set "day job" schedule and more self-directed, I realized just how harmful the habit of sleeping in can be for an entrepreneurial lifestyle.

Many studies have led to the conclusion that our best ideas occur early in the morning and that we miss out on our most critical growth opportunities when we sleep in. I'm not saying that the early mornings are fun... I am saying that they are worth it.

Mistake #2: The cost of sacrificing high amounts of time into low-reward ventures.

As an entrepreneur, I understand the importance of casting one's net far and seeking new opportunities to learn and grow. However, sometimes your time is more valuable than what that opportunity itself may have to offer.

I recently accepted a minimum wage position (my first in years) on Saturdays, helping the owners of a small-town thrift shop set up their online sales channels. I didn't need the money, but I figured it was a great opportunity to explore online sales further as I had some experience with it already, and I loved the idea of helping another small business get off on the right track.

Unfortunately, I quickly learned that the two women who co-owned the business were not on the same terms about what they wanted long-term from the venture. Both had their own successful businesses on the side, and this little thrift shop was more of a hobby venture than one they truly wanted to see succeed.

Ultimately, it came to be that neither of them truly knew if they wanted an online sales channel at all! The six hours I spent there every Saturday was valuable time that I couldn't get back. While the idea of helping another business kick off was appealing upon a first impression, I realized that my time wasn't worth minimum wage in a place that clung to stagnation instead of capitalizing on new growth opportunities.

There will always be more opportunities than we can take — make sure the ones you do take are worth the time you will never get back.

What is the 12 week year? 7 ways to organize your life... 7 ways to reduce your screen time...

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samratinvestments · 9 months

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Get Funding Today - https://www.samratfinancialbanking.com/funding

#financial planning #investing #financial freedom #samrat investments #smes #smallbuisnessowner #small artist #small business #funding #fundraising #money

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femmefatalevibe · 9 months

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Hello 👋 how are you? I love your page and you feel like a comfort person. Thank you. I wanted to ask if you have some ideas regarding jobs and finance for those who don't have full time jobs. Do you have any recommendations for jobs that you can do online and earn passively? Thank you ♥

Hi love! Thank you so much. Glad to hear you enjoy my page and its content <3

Some contract/freelance jobs I would recommend to increase your (potential) passive income include:

Sell items online like Poshmark/Depop, eBay, etc.

Purchase & flip domains

Purchase/resell clothing, accessories, and other trending items

Rent out items or owned spaces (in your home, parking spaces, classes you've purchased from a membership, etc.)

Create a social channel (YouTube/TikTok) or blog with ads

Write an e-book/a course/self-published book

Affiliate marketing

Sell photo presets/templates/photography/art online

Investing in a high-yield savings account (/CD) or dividend stocks

Hope this helps xx

#passiveincome #income streams #financial planning #money making #investment ideas #life advice #personal finance #passive income #online income #freelance jobs #resellercommunity #q/a

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passiveincomemoney · 15 days

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The 50/30/20 Rule: Simplifying Personal Budgeting

Budgeting can often seem like a daunting task, but it doesn't have to be. The 50/30/20 rule is a simple yet effective way to manage your finances and save for the future. This rule was popularized by U.S. Senator Elizabeth Warren and her daughter, Amelia Warren Tyagi, in their book “All Your Worth: The Ultimate Lifetime Money Plan.” It's a straightforward method that divides your after-tax income into three categories: needs, wants, and savings.

Here's a breakdown of how it works:

50% on Needs: These are your essentials, the non-negotiable that you need to survive. This includes housing, groceries, utilities, insurance, and minimum debt payments. If you find that more than half of your income is going towards these expenses, it might be time to reassess and find ways to cut back.

30% on Wants: This portion of your income can be spent on things that you enjoy but don't necessarily need. Dining out, shopping, hobbies, and vacations fall into this category. It's the flexible part of your budget that allows you to enjoy life while living within your means.

20% on Savings and Debt Repayment: The final slice of your income pie should be dedicated to building your financial future. This includes savings, investments, and extra payments on any debts you may have. It's about creating a buffer for the unexpected and ensuring you're working towards financial goals.

The beauty of the 50/30/20 rule is its adaptability. It's a guideline that can be adjusted based on individual circumstances and financial goals. For example, if you're carrying a significant amount of debt, you might want to allocate more than 20% towards paying it off. Conversely, if you have minimal needs, you might choose to save a larger portion of your income.

Implementing the 50/30/20 rule can be as simple as setting up automatic transfers to different accounts or using budgeting apps to track your spending. The key is consistency and honesty with yourself about where your money is going.

Remember, the 50/30/20 rule is not a one-size-fits-all solution. It's a starting point to help you take control of your finances and make informed decisions about your spending and saving habits. Whether you're just starting out or looking to refine your budgeting strategy, the 50/30/20 rule can be a valuable tool in achieving financial stability and peace of mind.

Budgeting doesn't have to be complicated. With the 50/30/20 rule, you can simplify the process and focus on what's important: living a fulfilling life while securing your financial future. Give it a try and see how it can transform your approach to personal finance.

#budgeting #income #financial planning

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intercontact · 4 months

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IMN Business Development

IMN Business Development / CN-GB-DE-FR-RU-IT-ES-HU /

日安 * Good afternoon * Buenos días * Bonjour * Bom dia * Guten tag * Добрый день * Buon giorno * こんにちは * İyi günler * Selamat siang * नमस्ते * Goeiedag * Καλημέρα * نهارك سعيد * Sabah el fol * Dzień dobry * Bonan tagon * Selamat sore * Jó Napot *

Welcome! We're glad you're here!

First of all we would like to thank everyone for their cooperation and attention, connections from all over the world. Business relationships, projects, business proposals, investing, trade. Everything all together on these spot.

Great things are achieved through continued persistence and dedication.

Free information and advice please contact us with confidence. Business development together. Wish you best of luck!

Information: IMN Business and Investment Opportunities

#investment #projects #business #finance #marketing #sales #market #property #renewable energy #innovation #trade #financial planning #business development #business opportunity #export #business news #import #environment #economy

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