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simplefelicity · 4 months

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What I bought in 2023

this is the first in a series of posts in which i reflect on my 2023 from a financial perspective, using data from my financial journal.

initially i wanted to just list everything i paid for chronologically, but then i realized that data without analysis is not going to be much useful. so here is all i bought in 2024, divided in categories!

these are all unnecessary purchases (so no groceries, rent, etc).

material stuff

a kpop photocard. i’ve already talked about this, i think. there were a couple of months at the beginning of the year in which i desperately wanted to collect photocards of this particular kpop artist. i already had 2 but when i finally decided to buy this third one, i realized that i was quite underwhelmed. i do appreciate them and look at them from time to time but the itch to spend even more money on them disappeared. i’m glad i did buy it, though, because otherwise i would have spent months obsessively thinking about wanting to buy one. giving in once meant peace of mind afterward.

plastic reusable water bottle. kind of a fail. i would love to use it more, but i’d need to hand wash it (if i don’t want the water to taste like soap) and i just can’t be bothered. i’m sure i’ll use it while traveling. also, it was super cheap for a reason! the nozzle is too big and uncomfortable. oh well, you live and learn.

new passport photos. that was unfortunately necessary & they are horrible photos too. frustrating.

socks. i was on a trip and forgot to bring socks, so i had to buy some there.

jewelry box. got it secondhand on Vinted after much thought. i don’t have much of a jewelry collection (if any) but i’d like to. i also wanted to get rid of all the small boxes and condense everything in 1 place. which worked for a while, but then someone gifted me more boxes and i can’t get rid of those ones, so that was kind of a fail.

2 secondhand books. i seriously do not need more books (i own like 20 that i haven’t read yet) but i have already read & resold one book so i’m not bothered about it. my rules with book buying are: 1) only if it’s secondhand, 2) only one for every secondhand bookshop i visit, 3) only stuff from my TBR list (that’s a more flexible rule, though). i’d say that it pretty much worked.

1 manga volume. I've been collecting this series for years because i love the art but, i've come to realize, not so much the story. i've decided to not purchase the next volume and am debating whether to sell the whole series as well.

yarn. i bought yarn for a sweater, for socks (three times), and for a cardigan (and its pattern). all in all, i’m satisfied with this amount. knitting can get expensive but i only bought yarn for planned projects, used my stash for at least another small 5 projects and i don’t think i’ll have to buy sock yarn for a while! money wise, i only had one doubt. a friend who also crochets told me that the website i buy my garment yarn at is too expensive compared to others. i thought long and hard about it & finally remembered that my friend’s cheaper yarn is super itchy. which is fine for her, as she mostly crochets bags, but i don’t knit bags! i knit sweaters! i’m fine with my yarn being a bit pricier if it makes for a comfier sweater.

25 padded envelopes. i used them when i sell my stuff online. i bought them new but secondhand on Vinted for a good price.

gifts. i bought 1 gift for a birthday and 2 for graduations. at the end of the year i tried to be smart and knit 2 gifts, but then i had to pay for shipping anyway so it didn’t save me any money. still, you know. it’s gifts and it’s my friends and i won’t be cheap with them.

immaterial stuff & experiences

i ate out with friends 3 times this year. the other times we just met and sat on a bench and talked.

movie ticket for Barbie. my only cinema going experience this year. that’s depressing. i’d love to go more in 2024.

underground ticket. that one time i forgot my underground card. ugh.

subscription to one of the secondhand book-selling websites i use. it’s the only one i pay for and it’s only 2€ a year. basically, it allows you to list more than 50 books at a time. i have 63 right now, so i’ll have to pay again this year, but hopefully in 2024 i will sell enough books to get under 50 & not have to pay again in 2025 :D

a very small charity donation. i sold more books than usual that month and decided to contribute a little to (hopefully) make the world a better place. it felt really good and i would like to do it again in 2024. but i need to set some rules or i might end up donating all of my savings.

trips

i went on 3 trips this year.

i bought train tickets and meals while there. i didn’t have to pay for accommodation as thankfully i went to visit friends and stayed at their houses. i also bought some souvenirs (in moderation!), like a fridge magnet and a christmas tree ornament.

in conclusion & plans for next year

well, damn. i spent way less than i thought or expected! there were even 2 months in which i actually spent 0€. which i’m sure felt great at the time, but i quickly forgot about it & thought i'd never accomplish something like that, ever. queue to feeling guilty over spending money.

my only true indulgencies were while i was on a trip. and i remember feeling quite guilty about spending money while there, as well.

but that’s why i save money: to buy expensive yarn and enjoy myself while traveling. so why should i feel guilty about doing exactly that?

basically, i want to spend a bit more money next year if it will make my life easier or happier, without feeling guilty. I've tried to do that during december already but finding the balance between overspending and being a Scrooge is going to be tough.

#no buy 2023 #financial journey #no buy #financial journal #end of year #end of year review

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digitechmediaa-blog · 5 months

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#Technology Advancements #Geopolitical Shifts #Economic Uncertainties #Financial Journey #Business News #Share Market Updates #Trading Insights #Market Landscape #Investment Strategies

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the-apple-of-his-eye · 5 months

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After subtracting debts from my upcoming 13th-month pay, I’m left with only 2k. Feeling super overwhelmed right now. Ever feel like money just slips away? 😢

#money struggles #real talk #stressed out #financial journey #money worries #financial reality

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beingjellybeans · 9 months

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How freeing yourself from money worries lets you #LiveLifeBrighter

Picture a life where stress and worries take a backseat, where your daily concerns don’t revolve around making ends meet or fretting over unexpected expenses. That is what a brighter life means to me. It’s a life unburdened by financial strains, a life where you have the freedom to chase your dreams, nurture your relationships, and explore your passions without the constant shadow of money…

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dollar-and-sense · 11 months

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Diversification: Spreading Your Investment Risk for Long-Term Growth

Introduction: Welcome to another insightful blog post on personal finance and investing. Today, we’ll be delving into the concept of diversification and its vital role in spreading investment risk for long-term growth. Whether you’re a seasoned investor or just starting out, understanding and implementing diversification strategies can significantly enhance your investment portfolio’s stability…

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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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certaincollections · 2 years

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Step 1: Get a Macro View of Where You Are

First things first. Before you decide on where to plunk your money down, you need to take a step back to assess where you are in life and your financial journey, and what you hope to achieve through investing in real estate.

Are you just graduating from college, mid-career, retired, or somewhere in between? How much money do you have to invest? What are you hoping to get out of investing? Are you looking for a one-time payoff or smaller ongoing payoffs? How much would it take for you to become financially free?

#laurencerosecapital #real estate investing #financial journey #investing strategy #investing #financial freedom #investment opportunity #equity #passive investor #risk tolerance #leverage

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theereina · 1 year

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FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM FINANCIAL FREEDOM

#financial freedom #money manifestation #money making #abundantmindset #abundance #abundant #abundance mindset #777 #888 #level up #level up journey #blessings

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visit-new-york · 5 months

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Financial District, Manhattan

#Financial District #new york city #new-york #new york #newyork #nyc #ny #manhattan #urban #city #usa #United States #buildings #travel #journey #outdoors #street #architecture #visit-new-york.tumblr.com

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poorlittleyaoyao · 2 months

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sitting here this evening staring into the void about CQL's pointed choice to have the flashback of JGY killing his dad immediately following the flashback of JGY's wedding night and to focus on his (unobserved) reactions in both cases

like, solid storytelling there, but aughhhhhhhhhhhh

#CQL showrunners owe me financial compensation for their choice to change the circumstances of the incest in that particular way #but also I need to sit ZZJ down and ask what the fuck is going on with his face journey during the patricide because that sure is A Lot

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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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professorsta · 9 days

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Watcher is a small business we have seen actively and continuously grow and progress from an idea to zoom meanings through the pandemic to a touring show. But despite their success, I think it has lead them into believing they are safer and supported by their fanbase much more than they actually are. They want to make TV caliber content, I hope they can put their money where their mouth is. As someone in the industry and wants to understand how business models such as this works, I understand the need to control your art and to create what you want with enough funding. But instant success doesn't equal long term

#watcher #i hope they dont paywall their old shit #cus then ill just be confused #small business arent morally perfect cus they are small #but with little financial nor political support that coglomerations have #im willing to give them Some benefit of the doubt and follow their journey #im disappointed #i hope they just do whats best for the long term success of their business

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beingjellybeans · 10 months

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Rebooting your finances: How to restart your financial journey

Do you sometimes get the feeling that you’re in a financial rut? When you feel overwhelmed with bills and debts, or short on funds? Or when you worry about what you will leave behind for your kids? It may be time for a financial reset. In a recent leg of Sun Talks, Sun Life’s series of talks on financial wisdom, Cluster Head Valerie Lagarde-Amora and Financial Advisor Andrea de Guzman provided…

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thinkpink212 · 10 months

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♡ Taking Myself There ♡

The past few days had me wanting to gain overview over my life; specifically to look at where I am, where I desire to be, who I desire to become, all of it!

In short, for a moment I had lost track of what I wanted to do in life. I quit University 3.5 semesters in because I didn’t belive it could get me there the why I wanted & it was overall just the wrong time in my life. I lost friends, making me doubt everything even further. Covid hit, and life just sunk into more chaos. I left many people, including the person I was. With most of my family cut off, being homeless for months & staying places I wasn’t welcomed or felt entirely safe in — I’ve managed to turn my life around in such a short time. Physically, emotionally and mentally I am now ready again to fully commit to myself & the goals I’ve had since I could remember

I’ve managed to move into a place that feels like home.

I’ve managed to pass an exam I’ve been battling for 3 years.

I’ve made new friends, and met Incredible people

And most importantly, I’ve become the person I needed all those years ago. But she’s here now and now I feel ready to jump in with both feet.

My Goals have always fluctuated as I’ve never been a very ‘one goal’ orientated person. I’ve been a full time artist, worked in the receptionist world, retail & sales advisor. But all of those always felt like they lacked something or were more so a means to gain the financial stability that was needed for me to to what I truly wanted to do—

I’ve never been one that desired working, but when the work didn’t feel like work I was all on board! This goes for all things astrology, tarot readings, drawing & painting whatever I felt like creating. And most importantly, writing.

I have two main goals in this life

♡ Becoming A Publish Author

Ever since I could remember, I loved reading. I loved hearing stories and telling them! I’ve always been a very imaginative person, very creative, and I’m always told I’m great with words — and I believe it. I have tales I wish to share, tales I know will inspire more then I already have & tales to inspire myself to keep going. Nothing brings me mroe joy then when I am typing away, lost in my little worlds.

♡ Becoming Financially Secure

I do not need bilions but I know I’ll make more money then I’ll ever need. It’ll be enough money to never worry about unexpected expenses or those around me struggling. I’ll have more then enough to leave my future generations with financial security. I have known luxury, and I’ll know it again.

So now what? It’s simple really, I just need to do what I’ve always done — persist, and go after what I know is already mine. It’ll take determination, discipline, persistency, but also it’ll take for me to rest when rest needs to be had. Asking for help when help is needed.

Soon I’ll graduate and become a certified massage therapist — a job I already know is very fulfilling, and despite the physical and emotional taxation, it’s something I see myself doing while I write my stories & get closer to financial stability.

The idea of doing all of this brings me such internal peace and warmth.

The rest of the year will be a time of…

♡ Saving, living within my means and reminding myself that this is a sacrifice for a better tomorrow

♡ Making writing my all, just how it used to be. The stories are in my mind already, and many are created weekly, but focus and determination will get me there

♡ Knowing when to rest, because my sleep, sanity or overall health should not be compromised for something that can be resumed tomorrow.

♡ Continue to be my own peace, saying no more and focusing on this endeavor

I’ll be Enjoy the journey. It’ll take a while, and I know because I’ve inspired others to write. Friends, and my cousins have written and published their work (some are still not there but aren’t giving up) and seeing how long it took them, but their determination got them there, is inspirational. I planted a seed and now they all have trees and I’m so proud. Now it’s my turn to plant my seeds and watch them grow. I’m ready!

And I start today —

All updates will be made under #ThinkpinkJourney if you would like to follow along my journey to success

#thinkpink thoughts #perosnal #soft life #goals #author #financial stability #week 1 #manifesting #manifestation #goals setting #determination #black girl manifest #thinkpink manifest #aspiring author #massage therapist #lifestyle #about me #thinkpink journey #taking myself there

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xo-indulgence · 4 months

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✨A man is not your financial plan ✨

#tik tok #beauty #luxury #hypergamy #rich #fashion #my post #glamour #black woman luxury #travel #2024 goals #level up journey #it’s important for women to be financially independent and not have a man control their lives

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certaincollections · 2 years

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Here’s an overview of what we’ll cover:

Get a Macro View of Where You Are

Determine Your Why

Decide How Hands-on You Want to Be

Assess Your Risk Tolerance

Determine How Much You Want to Invest

Decide Which Types of Real Estate Investments to Pursue

Recap and Takeaways

Step 1: Get a Macro View of Where You Are

First things first. Before you decide on where to plunk your money down, you need to take a step back to assess where you are in life and your financial journey, and what you hope to achieve through investing in real estate.

#laurencerosecapital #real estate investing #risk tolerance #real estate investment #financial journey #investing strategy #real estate syndication

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