#but I don't make payments on that loan. but it does show up as debt on my account | Explore Tumblr Posts and Blogs

robogart · 2 years

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Hi! It's ok if you're not comfortable awnsering- but I was wondering how much you make a month from art on average? I'm going into my second year of art school and I'm getting worried about how lucrative online independent work would be. You seem to have a system that I could see myself enjoying, specially compared to the usual instagram and youtube artists you see thriving from online work. And if you don't want to give out numbers: Does it make a living or do you need/work a second job? Ty <3

Hey! This is a great question and I’m going to apologize in advance because it’s going to be a LONG answer! Mostly because I think this is a great way to shed some light on just more “regular” type circumstances for art jobs things! But I hope I can answer this question sufficiently!! 🙏💖

Okay - so I don’t feel comfortable saying how much I make (I’m superstitious that if I share it in a public space it will be dashed IMMEDIATELY) but I can definitely talk about logistics!

So to preface everything with the simple answer: I DO make enough now to have a living! It’s a SMALL living, but I’m able to focus just on my artwork for now! Which is honestly still wild to me and I AM waiting for the rug to be pulled out from underneath me at any given moment (I am throwing some salt over my shoulder as we speak, just in case)

Now I just want to talk about some general insight points about my current situation/how I got to this current situation:

I have only JUST been able to move out (I’m 28 now)

I live in a shared apartment with my friend (fate was SO on our side and this has been a whirlwind 2.5 months omg)

I have student loans to pay off ($400/month! Gross!) on top of rent/life payments. If you’re in this boat, always keep it in mind!

For 7 years after college, I was working on art (commissions, personal, etc) and also working “part time” (30+ hr work weeks so lmao not really but for employer-benefit reasons 🙄) This is for 7 years after school! It took a bit to get here!

I only had to pay a small rent when I was living at home so while it took 7 years (underpaid, family circumstances, physical/mental health woo!) I WAS able to save enough to move out

most days I can still hardly believe I’m here @ w @;; and it’s a constant working process to figure out how to stay here as well! I work 8-10 hour days, 6 days a week.

And if you’re like me, I don’t come from money, so my parents aren’t in a position to help and I have student loan debt. This has informed a lot of my adult life!

That said, I have been lucky to be in a family with a steady lower-middle class income AND ALSO in a pretty stable/functional family situation so that I was able to move back home for a while to save a bit of money. Not everyone has those circumstances to plan financially! But if you come from a more secure/affluent financial background, some of this might not apply to you - which is fine too.

My advice would be to first and foremost make a budget list for yourself (love my google sheets! I have MULTIPLE budget lists lmao)

Make a budget list that covers what you would NEED to earn each month. And then from there, make a sheet that shows what you DO earn each month from art!

Try to track that income for at least 3-4 months of steady work!

If those numbers continue to meet up, then I would say that’s a green light!

If they don’t meet up - maybe look into some part time stuff! Which, like I said before, can be REALLY solid. And it’s always solid at least for a steady line of income, which is great! 💪✨

And remember to treat your job like a JOB! Clock in and clock out! It’s just a job! Not your life! Keep doing you! 💖 Too many times have I given 100% on jobs when it really should be like 80%! Save your energy for yourself too!

And if you are able, think about moving back home. Saving money is ALWAYS a solid choice. Give yourself some time to figure shit out and get your ducks in a row.

I’m only able to do what I can now because I lived at home for 7 years and worked pretty non stop! (working in the morning to afternoon at my first job, coming home doing chores, and then working from 8-11 on art)

BUT, always know, that we are NOT the same person!! You’re going to have a different path from me and so will many others! But in case you wanted a general picture of my circumstance, I’m hope this helped!

And as always, do NOT feel pressured by my advice here!

Advice is just to help INFORM your OWN decisions! Never to make them for you! 💖

I feel like I both talked about A LOT and I’m ABSOLUTELY missing something from here! 🤔 So I apologize for such a novel!

But if you or anyone else reading this thinks of a question about this type of stuff, let me know! I try to be pretty transparent about this since I feel like I’ve only seen a lot of advice from people not with students debt so it’s always been a little frustrating 😔💦

This work IS possible, but it was a lot of work to get myself here! And it’s still a constant dance of figuring out new things (which is equally exciting and a bit stressful) ^ w ^;;; 👏💖💖💖

But thank you for reading this far omg! I hope it was a little helpful at least! ; w ; 🙏💕

#text #A LOT of text I'm so sorry! TT w TT

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judasdreams · 3 months

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I feel like...

Poverty has become a competition.

I don't even know how to write more than that.

I feel guilty & ashamed enough to begin with, and the more I think of it, the more I think of how much damage growing up and now living as a person under the poverty line, has affected my mentality around money & social services.

I'm getting an allowance from my social worker (that man is a Saint, for sure!) To buy a new laptop since my old one is on its last legs.

I feel ashamed and guilty for even asking for something more expensive than the cheapest "this'll do for now" -computer, even though I've fully committed to give every cent I have to my name to get that computer.

Having it would mean the world to me; being able to do my final project without having to reboot my laptop every 2 hours, continuing to study online like I currently do almost all the time, do projects online on different programming projects... study for entrance exams even, maybe?

That laptop would last me for years to come.

But I feel like poverty has become a competition because despite my past, my (ex-)family's past, etc. The one time in my life when I'm almost able to get something I actually appreciate big time, without having to accrue more debt; this time I've got too much money to be considered poor.

But I'm still counting how much food and other household items I can afford to buy next month... while I'm making a mental payment plan for the disability benefits that the government has overpaid me.

I'm not enjoying myself. I'm getting a way to at least finish my studies while I'm constantly in pain, in brain fog, tired, and tortured by my own mind. (There are conditions for this too, all of which I plan to fulfill, the least of which is money; the idea of getting this specific laptop that i WANT has given me a massive moral boost to do things, and finish them; to be able to show my social worker that look, you helped me! You did this WITH me!)

And now I'm crying again when I think that I can show that man my graduation certificate.

Because I have an internalised need to not be in debt to anyone and him, giving me allowances from the social security side of the government, that counts as a debt despite it being an allowance, not a loan.

And I feel guilty for "having nice things" because this laptop does go in the higher end when it comes to hardware and "do you really deserve something like that, Judas?"

#mental health #diary entry #chronic illness #chronically ill #mental illness #chronic fatigue #chronic pain #disabled person #being poor

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angrylightgentlemen · 2 years

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Know about Profit Margin of any Business

Tracking your financial performance and measuring your organisational performance is definitely a crucial task. One of the important metrics you must be concerned about is the Profit Margin.

Are you an entrepreneur? If so, then profit margin is an inevitable topic you must go through in innovation and entrepreneurship.

In this blog post, I will be sharing the basic knowledge of profit margins necessary for you to understand the corporate world.

What is Profit Margin?

A very simple yet first question coming up in the minds of freshers is what exactly is the profit margin?

Look, the profit margin of your fresh venture idea or an existing business is the profit (revenue) of your net income after paying your outgoing expenses. Calculating profit margin can show you the profitability of your business for a specific period.

Now, what falls under those outgoing expenses? It might be your employees' payrolls, office setup expenses, new technology investments, advertisement expenses, resource expenses, etc.

For instance, if your business has secured a 60% profit margin, that means you have secured a net income of $0.60 for each dollar of sales.

Tracking your profit margin can always help you in improving organisational performances and maintain a healthy relationship with the staff working, thus enabling you to make smart strategies. EMS Global is a corporate firm that helps professionals with strategic business plan courses and secures their outputs wider.

Let's take a quick tour of the types of profit margins.

Types of Profit Margin

Net Profit Margin

Your net profit margin is basically the difference between your expenses and income. This can be useful to know because it will show you how much you are making off of every sale without having any unnecessary costs tacked on top of its total revenue amount. This way, you're able to get a better sense of where all future profits might go if anything happens within or outside the business environment.

Again, what does your net profit margin look at?

The cost of the services you are selling includes operational fees, loan payments, one-time payments, and government taxes. In simple words, the net profit margin shows an overall tendency of your business to convert your net income into profit. Therefore, it is the profit your business makes from your total revenue.

Calculating Net Profit Margin is easy:

NPM = (Net Income/Revenue) × 100

Or,

NPM = [(Revenue - All Expenses - Interest - Taxes) / Revenue] × 100

Gross Profit Margin

The gross profit margin is a key measure of profitability because it defines how much money the company makes after accounting for all costs. The difference between this number and your COGS (costs incurred) shows you what's leftover - specifically the overhead expenses like utilities or rent that don't go into creating products but still affect income levels.

The gross profit margin equation is an important tool for business owners and managers to determine their company's profitability. This calculation can help you see which items generate the most revenue in your inventory.

It also gives insight into which ones leave less room under account earnings than expected or desired.

Calculating Gross Profit Margin:

GPM = [(Total Revenue - Cost of Goods Sold) / Total Revenue] × 100

Operating Profit Margin

Your operating profit margin is the key to success for any company. It considers all overhead and administrative expenses necessary for day-to-day operations but doesn't include debt or other non-operational costs like taxes.

Your margins will show you how much revenue comes from activities unrelated to selling products/services but related to any operational activities.

Calculating Operating Profit Margin:

OPM = (Operational Income / Revenue) × 100

Three Ways You Can Improve Your Profit Margins

Now that you understand what profit margins are and how to calculate each type of them, you're good to go with the idea of innovation and entrepreneurship. Ultimately, it's all about lowering your costs and increasing your profits through sales, right?

So when you are widening your profit margin, you can make more gross revenue and increase your profitability. Here are three ways you can improve your profit margin:

Reducing Operational Expenses

Often, we've seen how retailers are after increasing pricing strategies rather than streamlining operational costs. That's what you can start improving.

Cut down any excess staffing, useless investments in technology that's not required, excess packaging in anywhere not needed. Consider switching into a low-cost operational system but quality outputs. This keeps your whole company running and also improving organisational performances.

Also, try using automated features, so it uses less workforce and, in turn, provides time for employees and creators in innovating more new business ideas and strategies.

Improve Inventory Visibility

If you need to avoid the pitfalls of markdowns, start by managing your inventory better. Always know what's on hand and where it needs to go when something gets ordered or returned.

The best way to avoid Markdowns is by improving your inventory management. You must know what you have on hand, as well as how much of each item classifies into "fast" and "slow" movers so they can be pulled off the shelf when necessary without ruining sales data or costing too much money in expediting fees.

Increase Customers' Willingness to Pay

The willingness to pay is a measure of how much customers are willing and excited about spending on your services. It's typically tied with their perceived value for the product or service being purchased, which can change from person to time, depending upon different factors such as moods/motives.

When a company sells products or services to customers, they effectively split the value between themselves and their customers. The difference in 'willingness-to-pay' is measured by calculating what people would be willing to spend on something compared with how much it costs for them.

At the same time, company profit can come from comparing prices charged against production costs.

The Conclusion

Higher margins are good for your business, but they can't happen without providing customers with greater value. This is where the benefit of leveraging value-based pricing comes in. It's a win-win situation that has the potential to be threefold. You'll get higher profit margins, increased customer loyalty and referrals, and happier employees who feel valued by the company.

Expert Mind Solutions has been helping companies like yours with their excellent company consulting services and HRDF skills training. They have jewels that are certified and experienced with different marketing challenges for over 20 years. Their team would love to help you figure out what's best for monetising your company with new business strategy plannings.

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senakim22-blog · 4 years

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godsheadangel · 4 years

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I AM HE✝THY 👁GOD💫TRULY SPEAK IT [TRUTH REALITY] YOU ARE MY WISEST SO KNOWN IN HOLY HEAVEN AS MILLENNIALS!

BLESSINGS4 BERNIE SANDERS💫AND HIS ENTIRE FAMILY💫FOR HE IS A RIGHTEOUS MAN WHO HAS OPENED YOUNG EYES AND WARMED MANY HEARTS YET IS TIME NOW TO PASS THE TORCH🔥SURELY THERE ARE 👉A FEW YOUNG ONES HE WILL MENTION👈WHEN HE MAKES HIS DECISION WHO SHALL BE TRAIL BLAZERS 4 MILLENNIAL CAUSES FOR THE FUTURE OF AMERICA🇺🇸

💥💥💥💥💥💥💥💥💥💥💥💥💥💥💥💥💥

👉GODSHEADANGEL.POSTHAVEN.COM👈

👉GODSHEADANGEL1.POSTHAVEN.COM👈

👉GODSSPECIALANGELS.POSTHAVEN.COM

👉GODSHEADANGEL2.POSTHAVEN.COM👈

⬛💀⬛💀⬛💀⬛💀⬛💀⬛💀⬛💀⬛💀⬛

DEMONTRUMPS👹TARIFFS✔ HAVE LEFT VIDAL MEDICAL SUPPLIES NEEDED BY ALL AMERICANS🇺🇸NOW DURING THIS DEADLY CORONAVIRUS💀GLOBAL😷PANDEMIC IN SERIOUS CHAOS!!! THAT'S NOT LEADERSHIP!

⬛💀⬛💀⬛💀⬛💀⬛💀⬛💀⬛💀⬛💀⬛

GODSAYS💫THEY TEST THEE, SO DO IT!!!

3,000 NEW CORONAVIRUS💀CASES IN 1 DAY THE NUMBER OF CASES NOW IN U.S🇺🇸IS NOW 👉[10,000] AND [5] REAL DEATHS💀👈 👉BRINGING NUMBER TO [160]👈

YOUNG AMERICANS🇺🇸 HOSPITALIZED🏥 NOW 24 -40 YR OLDS SEEKING TREATMENT

👇👇👇👇👇👇👇👇👇👇👇👇👇👇👇👇👇

NEW YORK TIMES📰ARTICLE 3/18/2020🇺🇸

YOUNGER ADULTS MAKE UP BIG PORTION OF CORONAVIRUS💀HOSPITALIZATIONS IN U.S.🇺🇸

🌅😃🌅😃🌅😃🌅😃🌅😃🌅😃🌅😃🌅😃🌅

WAL-MART STEPPING UP☝THE LARGEST RETAILER PLANS TO HIRE 150,00 HOURLY ASSOCIATES IN THE U.S.🇺🇸AND ALSO ANNOUNCED $550MILLION IN CASH BONUSES💵 FOR WORKERS AMID THE CORONAVIRUS.

BLESSINGS4 THE WALTON FAMILY💫

👁GODSAYS💫THIS IS WORTHY OF PRAISE!

🌅😃🌅😃🌅😃🌅😃🌅😃🌅😃🌅😃🌅😃🌅

SENATE DEMOCRATS UNVEILED A STUDENT LOAN RELIEF TO COUNTER CORONAVIRUS CANCELLING MONTHLY PAYMENTS AND ALSO $10,000 FEDERAL LOAN DEBT FOR BORROWERS!!!

👉👉THE PROPOSAL ASKS CONGRESS👈👈

TO AUTHORIZE THE DEPARTMENT📚 OF EDUCATION TO MAKE MONTHLY PAYMENTS FOR ALL FEDERAL LOANS, TAX FREE FOR BORROWERS!!!

[SEE YAHOO FINANCE ARTICLE 3/19/2020] SENATE DEMOCRATS: CANCEL STUDENT LOAN PAYMENTS AND $10,000 IN DEBT AMID CORONAVIRUS.

👁GODSAYS💫THIS IS WORTHY OF PRAISE!

🌊🌊CATCH THE BLUE🌊TIDAL WAVES🌊🌊

🇺🇸🇺🇸2020🇺🇸JOE C😎😎L BIDEN🇺🇸2020🇺🇸🇺🇸www.my.democrats.com

GOD💫WRATH IS JUST GETTING STARTED!!!BUT HE✝DOES SO HEAR YOUR PRAYERS🙏🤜🤜🤜🤜🤜🤜🤜💀💀💀🤛🤛🤛🤛🤛🤛🤛

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fundmebro-blog · 7 years

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How to Get Small Business Start-Up Loans Your Fast, Easy, Guide to Start-Up Funding A Quick Review of Your Best Options for Small Business Working Capital A huge challenge entrepreneurs face today is funding capital to start-up their business. Today's business has gone past the days when creativity and out-of-the-box thinking were major factors in determining the success of your start up. Over time, small businesses have been a key driving force for the economy. However, getting access to small business funding could be very hard and frustrating. A major cause for this is the problem of sourcing for funds from the wrong places. How do you source for funding your small business start-up? Unfortunately far too many start up entrepreneurs have to dig into their own pockets and family savings to help jump start their new businesses. The passion and commitment for their new business venture quite often clouds their best judgement when spending all of their life's savings on what may or may not be a viable idea. If you have ever watched the hit T.V show "Shark Tank" you will know what I am talking about. Unfortunately, many of the shows would be entrepreneurs have gone on the show only to have "Mr Wonderful" Kevin O'Leary have to explain to them the facts of life about the flaws in their strategy and / or the foolishness of their ways. Taking money from friends and family members has another drawback. If your business doesn't work out and you need to fold up shop, you still have to live with and face your family and friends for the rest of your life. Just imagine owing your mother-in-law for the rest of your life! Ouch!@%$^&*! Just Kidding. Small Business Loans for Start-Up Capital The Small Business Administration (SBA) is your best option when you do not have an ideal source of financing for your small business. The Small Business Administration (SBA) is an idea source of funding for small businesses as it has a special program which offers intending entrepreneurs micro loans up to $50,000. They are also great because they are usually associated with business training which will be especially helpful for you as a first time entrepreneur. There is a big misconception that SBA loan programs involve government grants, no-interest loans or free money. The fact is that SBA does not even make loans or lend funds directly to entrepreneurs. In order to get a SBA loan you will need to get a relationship with a loan officer at your local bank or credit union. Some loans are also provided through nonprofit financial intermediaries. Here are the SBA's three most popular loan programs: 7(a) Loan Program - As a small business owner (see SBA's definition of "small business" here), you can get up to $750,000 from your local lender, that is backed by a guarantee from the SBA. So the SBA does not actually lend out the money. They just make it less risky for a bank to lend you the money by assuming some of the risk. These loans are typically used for working capital, leasehold improvements, and asset purchases. All owners of a business with 20% or more of ownership are required to personally guarantee any loan they receive. There are several variations to the 7(a) program including a "Lowdoc" version. The "Lowdoc" loan application is just a one page form that the borrower fills out on one side and the lender's request to the SBA is on the other side. Typical response time from the SBA on a "Lowdoc" request can be as short as 36 hours. The eligibility for a SBA 7(a) program is the broadest of all of their programs but like anything with the government, it involves a lot of red tape and hoops to jump threw. If you would like to apply for a SBA loan or to just see if your business would be eligible click here. The 504 Loan Program is used for those small businesses intending to supply funds for asset purchases like equipment or land. Again you will need to go through your local bank to apply for the loan. When funded the SBA will guarantee up to 40% of the asset value with usually a max loan of one million. The borrower will still need to kick in 10% towards the equity. Eligibility for the 504 loan program like the 7(a) program is limited to small businesses with less than $7 million in assets and less than 2,.5 million in net income. The 504 loan program can be use in a number of ways including inventory, repaying debts, working capital or refinancing. Not to worry - the bank will still require your personal guarantee for the loan. SBA Microloans The third category of loan that the SBA offers is a "microloan". These are smaller loans going up to $50,000. personnal loan,small business loan, bank loanThese loans can be used for: Needed working capital fixtures or furniture Equipment or new machinery Supplies or inventory Unfortunately what you cannot do with a SBA microloan is to purchase real estate, or pay off any debts that you might have. Interest rates vary but maximum length of the term for the loan is six years. As with the other SBA loans, SBA does not issue the loans. You will need to go to your local bank for an application. Each lender has it's own lending and credit requirements so shop around for the best options. For a list of intermediary microloan lenders click here. Don't Buy - Lease your Equipment Small businesses in some industries would need equipment to start-up their business. One great way to achieve this is by leasing equipment from a finance company. Equipment leases from finance companies are usually structured in such a way that the company buys equipment, and then rents it back to you for a monthly rental fee. When the lease term has ended, you would have an opportunity to buy the equipment from the finance company for a modest price Leasing equipment can have several advantages including:real estate funding, investor funding, real estate investor loans lower monthly payments than with a loan with leasing you get a fixed finance rate there are tax advantages with leasing (consult your tax advisor) lean start-ups can conserve capital vrs. a large down payment you get instant access to the newest technology and business tools Leasing is not without its downsides however so weigh your pros and cons carefully. Read your lease agreement carefully. Understand your interest rate, terms of the lease etc. before signing. Here is the DEAL: Alternative Sources for Funding: If SBA funding doesn't work for you and your local traditional bank says no to your funding requests ( 50 - 70% of bank applicants get turned down)... ... then try the various companies that offer personal loans. A personal loan can help small businesses in a variety of ways including: purchasing equipment paying down credit card debt cover unexpected expenses easy and simple online application Loans are unsecured and not tied to an asset Fast funding - usually in 5 to 15 business days. Some of these companies include - Best if you have Little or No Credit History = Upstart Best Peer-to-Peer Lending = Lending Club Best for Low Fees = Sofi Best for start-up funding, lines of credit or Real Estate Investor Loans go to Fund Me Bro Fund Me Bro provides loans for Real Estate, Transportation, Restaurants, Contractors and E Commerce. They offer business and personal lines of credit from $50,000 to $200,000. This is Crazy:small business lines of credit, small business funding, sba funding, sba loans Fund Me Bro's lines of credit offer 0% interest for the first 6 - 24 months and then just 13.99% thereafter. Fund Me Bro's second type of loan is a Term, Bridge, or Equipment loan... ...with a 2 - 7 year term @ 6 - 24% fixed APR depending on your credit score and other factors. Fund me Bro's application process is just as easy, fast and simple. They only require that the borrower to have 680 credit score or better and no more than two lates over the past two years. If you have those two basic requirments you will probably qualify for a loan. After that it is just your contact info (name, phone, e mail, last four digits of SS#, etc.) Fund Me Bro even has the borrower pull their own credit report. @ www.creditchecktotal.com so that it is a "soft" pull that doesn't register as an inquiry on their credit report . From there simply give Fund Me Bro your password and username to check you credit report... ... and if everything checks out you are good to get funded. They could not make it any easier! To contact Fund Me Bro for your funding CALL NOW @ 201-535-5584 If you need funding to get your start-up business up and running, or if you are a real estate investor looking for a line of credit to have ready for your next fix and flip project, business capital, sba loans,sba micro loan, small business fundingThen call Fund Me Bro TODAY @ 201-535-5584, to see how much funding you qualify for. There is no obligation so: Call NOW 201-535-5584 www.fundmebro.com

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