Buy a house and get a 15 year fixed mortgage rather than a 30 year mortgage. Saves a lot of money in interest over the life of the loan. If you must get the 30 year mortgage verify no prepayment penalty. This gives you the flexibility of paying off early if you are able. But also gives the option of making lower payments when times are tough….
When you start your job, get an HSA account not FSA and get the high deductible health insurance. It will lower your tax bracket and the money is yours to use. You also earn 40% in most cases after 10k!!!
Never buy a car brand new! I’ve watched Escalades go from 100k (new) to 35k four years later.
Get you an LLC (incorporate your name!!) and run it as an S Corp. Remember Jay-Z quote “I’m not a Businessman I’m a Business Maaaaaaaan….” let that sink in.
Build business credit! The loans are bigger and the interest rate is lower.
Get a business bank account (in most cases this costs around $500 to start). Some people got two stimulus checks (one from Trump and one from the SBA). Also no fees.
Go to Community College first and transfer into a four year college (unless you have scholarships to mitigate the costs) as a Junior. School is a power move you must be able to secure the bag. Majors in STEM will always be needed, are in high demand and the skills can directly help the black community.
Get with your peers from your graduating class and others together at homecoming on one day for two hours to plot and strategize how we can move our communities forward (commerce, politics, education, etc…)
If you want to support Black People, support Black Business and Black Institutions of higher Education.
Get life insurance for you (whole life) and your children (term) as soon as they are born (one thing is for sure is we will die…might as well leave your kids something extra!). The sooner you get it, the cheaper it is. And you can borrow against it to fund certain projects. Also, the ones that pay out dividends are the best! They normally are associated with the market (money market accounts). IUL’s are great!
Get the people in your immediate family to save collectively! If 10 people save $500/month, that’s 60k every year. You could buy 3 starter homes every year and in 4 years all ten of you are home owners. Buy on the same block or neighborhood if you can…this way you control the value of the homes (remember Monopoly!).
I need 10 people to copy and repost this on their pages and groups.
Jeffrey W. Ubben, co-founder and former CEO of a $16 billion dollar hedge fund, 2020:
Finance is, like, done. Everybody’s bought everybody else with low-cost debt. Everybody’s maximized their margin. They’ve bought all their shares back . . . There’s nothing there. Every industry has about three players. Elizabeth Warren is right.
As it turns out, JPMorgan is not the only financial institution that has been generous to the police foundation. In the 2009-10 year, Goldman Sachs, Barclays Capital, investment bank Jeffries and Co., investor Carl Icahn, and investment firm The Renco Group each gave over $100,000 to the foundation, putting them in the top-tier of donors, according to the foundation’s website. Bank of America also gave over $75,000 that year. (Another $100,000+ donor was Rupert Murdoch’s News Corp.)
Keep in mind that’s just a single year’s worth of donations. As a private non-profit, the New York City Police Foundation does not have to release detailed donor information, so we don’t know of the the full scope of Wall Street money flowing into the NYPD.
The stock market is essentially just One Weird Trick for the already wealthy to increase their wealth. If you have $1 million already, you can just stick that sucker in a fund and watch the pot grow and grow, without doing anything. You don’t have to have any skill or labor to do so; you just have to already have cash. You pay a wealth manager, or just a computer, to grow your wealth for you. It is the Rosebud cheat in the Sims, but in real life, with actual money that can buy you real furniture.
We are certainly not looking at a coming boom. Large scale opportunities for profitable investment are increasingly non-existent. There will be no period of profitable reconstruction of productive capital, infrastructure, and housing, as there was in the ruins of Europe and East Asia after WWII; the virus alone will leave the industrial rustbelts, empty malls and overleveraged unfinished construction projects intact. The technological revolutions that once had massive effects on increasing employment have long failed to deliver on productivity or output increases, lead to persistent declines in capacity utilization, and have bottomed out in employment. Technological developments have only grown to increasingly expel labor-power from the point of production, simultaneously rendering null the very element of the expansion of value. When conditions for productive investment decline, money-capital that cannot be valorized is instead diverted to financial investments fundamentally rooted in the sphere of circulation, affecting the rate of capital accumulation and leading to the formation of unproductive hoards which become increasingly susceptible to speculative activity. Capital hedges on a future that material reproduction does not allow.
Particularly problematic here is the tendency to see the welfare state as external to the risk dynamics of capitalism and to view its effects in terms of the decommodification of labor. Conceptually inclined historians such as Ewald (1986) and Castel (2003) have insisted, by contrast, that the midtwentieth-century welfare state was never external to the market but rather central in organizing its risk logic. The welfare state represented less a “balance” between a capitalist economy and a social-democratic polity than an integration of the population into the mechanisms of capitalism in ways that transformed those mechanisms at their core. If the work of these authors has focused mostly on Europe, such insights hold a fortiori for the United States, whose welfare state was always a capitalist institution in more overt ways. Class compromise was brokered not through the suppression of finance but precisely through its state-sponsored expansion. The most significant aspects of this were the creation of the so-called government-sponsored enterprises, which supported the ability of the financial system to flexibly extend various forms of household credit; and the institution of deposit insurance, which undercut the phenomenon of bank runs and so permitted a normalization of the role of commercial banks in everyday life. The post-New Deal era saw the progressive socialization of American workers into the mechanisms of credit and debt. The emergence of a Fordist regime of full employment and a living wage was never the foundation of an unindebted life or the suppression of finance, as many now imagine, but was precisely the basis on which households entered into contracts of consumer and mortgage credit. In an important sense, the New Deal was a key step in the direction of what under neoliberalism has become more recognizable as “the capitalization of almost everything” (Leyshon and Thrift 2007), the measurement of human capacities in terms of their ability to provide a flow of revenues (cf. Nitzan and Bichler 2009:158).
Martijn Konings, Capital and Time: For a New Critique of Neoliberal Reason
It’s PayDay so I thought I’d share with you what I do every single PayDay (biweekly)!
1. I look at my bank balance and minus all the BILLS that need to be paid (automated or not) before my next PayDay to see what I’m left with
2. I pay all the bills that aren’t automated (credit card, rent etc.). I pay rent on my last PayDay of the month so it’s often paid early and the money isn’t lingering in my account. Credit card payment is always double the “minimum” and then rounded up $5 and paid biweekly (eg. $11 min payment x 2 = $22 rounded up to next $5 = $25 payment made biweekly).
3. I send $150 to my KOHO card (for spending) and from my KOHO app, I send $75 of that $150 to our Joint KOHO account which is used for groceries and regular household items (toilet paper, toothpaste, etc.). This is my way of having a “cash budget” but without the cash. Plus the app shows my trends and I can keep track of where my money goes.
4. I plan ahead by doing Step #1 for the NEXT PayDay. By seeing what my balance will be after paying all my bills NEXT PayDay, I’ll be able to gauge how much money I can put into my savings NOW. If I end up putting too much, I can always transfer it back without penalty (penalty is only if I buy something from my Savings account).
5. I contribute to my savings. On PayDays a small chunk of money gets (automatically) moved into an RRSP account that I have with my bank. I don’t even notice it move but what I do notice is that my RRSP is growing! On top of that, I also have a regular Savings account that I’m contributing to as an emergency fund that doubles as a BIG purchase fund.
Minnesota: Lebanese National Pleads Guilty To Illegally Exporting Drone Parts And Technology (to Hezbollah)
Missing from this latest DOJ press release, but included in a prior DOJ press release:
say that from 2009 to 2013, the Lebanese brothers repeatedly acquired
sophisticated technology for drones then illegally exported them to
Hezbollah, which the U.S. considers a terrorist organization.
United States Attorney Erica H. MacDonald today announced the guilty
plea of USAMA DARWICH HAMADE, 55, for conspiring to illegally export
goods and technology in violation of the International Emergency
Economic Powers Act (“IEEPA”), the Export Administration Regulations,
the Arms Export Control Act, and the International Traffic in Arms
According to the defendant’s guilty plea and documents filed in
court, from 2009 through 2011, HAMADE conspired with others to export
goods and technology without obtaining the required export licenses from
the U.S. Department of Commerce and the U.S. Department of State, in
violation of IEEPA, the Export Administration Regulations, the Arms
Export Control Act, and the International Traffic in Arms Regulations.
HAMADE caused the purchase and export of inertial measurement units
(“IMUs”) suitable for use in unmanned aerial vehicles (“UAVs”), a jet
engine, piston engines, and recording binoculars.
This case is the result of an investigation conducted by the FBI, the
U.S. Department of Commerce Office of Export Enforcement, and Homeland
Assistant United States Attorneys John Docherty and David MacLaughlin are prosecuting the case.
Prosecutors wrote that Hezbollah has used drones for many years and
that the brothers “present a danger to the United States, and to other
communities around the world.”
Prosecutors painted Usama Hamade as a “violent, drunken, gun-toting
thug” who threatened to kill a government witness and his family by
cutting him “to pieces” and once bragged that he cut off his gardener’s
arms and bashed his gardener’s skull after an apparent theft.
The witness told authorities that he had regular contact with Usama
Hamade from 2009 to 2011, and that he and his wife went to Lebanon with
Usama Hamade in 2010. When they arrived in Beirut, the witness said, a
group of armed men in darkened limos separated him from his wife and
drove them with lights and sirens to a flat that Usama called his Beirut
The witness said Usama told him the Hamade brothers were both members
of Hezbollah, and both brothers had pictures of Hezbollah leader Hassan
Nasrallah in their homes. Usama Hamade also had firearms around the
flat and fired shots into the sky. Usama Hamade also filmed the inside
of his apartment and posted the video to Facebook. A Hezbollah flag is
visible, as well as an assault rifle propped against the nightstand,
Prosecutors said that as he was fighting extradition to the U.S.,
Usama Hamade said Nasrallah is a spiritual leader and there is nothing
nefarious about the photograph. Hamade also said Hezbollah is a
political party, not a terrorist organization.
Prosecutors called that “preposterous,” saying one of the drone parts
acquired is only useful in military applications. They say Skype calls
between Usama Hamade and an undercover agent show Hamade said he would
be proud to be placed on the U.S. terror list.
Issam Hamade’s attorney, Bruce Nestor, wrote in his court filings
that a Shiite Muslim would have to show public allegiance to Hezbollah
or another group to avoid physical harm or retribution.
But prosecutors said Issam Hamade posted pictures of the 9/11 attacks
on Facebook and suggested the attacks wouldn’t have happened if the
World Trade Center had been built in reverence to Allah.
With your debt, did you work directly w/the credit card company to pay it down or did you go through a third party?
It’s all about getting organized!
This is legit my budget spreadsheet on Google Sheets.
I enter my hours in the “schedule” on the right that’s sorted into pay periods and it calculates what my next check will be before I get my paystub (and I edit the number on payday).
Always look ahead when it comes to paying bills. My spreadsheet has these boxes that show my balance before being paid again and they’re green if it’s above $0, these boxes will turn red if I “spend” too much before being paid again. I put as much as I can onto my credit cards before my box turns red a couple weeks in advance. Next to the debt is a number showing how many more payments I’ll have to make as long as I pay that exact same amount (eg. my car has 78 payments left!)
Monthly bills that don’t automatically come out of my account (cell phone bill and internet bill) can be rounded up to the next 5 or 10 dollars. This helps my credit AND gives me a free bill one day. (eg. cell phone bill is $68 but I have $70 set to auto pay, internet is $63 but I have $65 set to auto pay.)
After paying my bills (not debt, just utility-like bills) I set aside 100 or so for groceries and whatnots and then I would set my credit card payments to the minimum monthly payment and paid that amount bi-weekly on pay day except for the credit card I’m focusing on.
How I pick a credit card/debt to focus on
Write down every card’s balance (amount owing) and interest rate (for context, I don’t own cards with extra fees, yearly or monthly).
Order them in order of highest interest rate to lowest.
If two or more have the same interest rate, order by lowest to highest balance.
This ensures that I’m paying the least amount of interest. Pay the minimums on all cards except the focus card until that card is paid off then move to the next card.
Meanwhile, every payday (bi-weekly) my bank puts $50 of mine into an RRSP that I can’t tough or I get penalized, plus I put $50 every payday into my regular Savings account until I reached $1,000 which will stay there as my emergency fund.
Lastly, just get rid of bills you don’t need anymore. Scroll through your bank statement and see where you’ve spent money and which ones are subscriptions you don’t need or want. We don’t need a TV, internet phone bundle so we just have internet. I don’t need a super fancy cell phone and I’ve been with my provider for 10 years so my plan is only $70 (with 6 GB data). We barely watched Disney+ so we cancelled that.
Oh and we save tons of money with the new way I’ve been handling the groceries/meals! But that will be a whole new post.
***I also used to work at Walmart which means my cellphone plan is discounted 25% even though I don’t work there anymore and I did not purchase my phone or plan from Walmart so if you work at a Walmart PLEASE check to see if you quality for a cell phone bill discount!!!
When I decided I wanted to start getting better with money I had absolutely no idea where to start.
Like most, I wasn’t taught financial literacy in schools and most of the concepts were completely foreign to me. Through some internet searching, I found online communities (one of my favoritestalk about money Facebook groups ) where I heard about the app mint.
I was hesitant at first but through my introduction withMintI fell down the rabbit hole of financial apps and with the help of free finance apps I was able to get a clearer picture of my finances and start actually working on my savings goals.
While continued financial literacy should go hand in hand with these apps, you don’t have to do everything by yourself. There are powerful financial tools that are sitting on your phone that you can start utilizing TODAY to starting taking control and get better with money.
Here are 10 FREE personal finance apps.
Mint: Mint is a budgeting and tracking app that categorizes all your spending and gives you an overview of how you spend.
It allows you to create categories and suggest different budgeting limits based on your previous spending. Mint is a great place to start if you want to start understanding your money and the ways you spend. However, you shouldn’t take everything it says as a financial fact and you should play around with the numbers to see how you want to create your ideal budget, but it’s still a great place to start.
Clarity Money: Clarity money is like a more focused version of mint. It has fewer features but it helps you to get a really clear understanding of your money.
It allows you to open savings accounts, get your credit score, track subscriptions (my favorite feature), and also monitor your savings goals. I really like the mobile app because it’s beautiful very easy to look and it makes navigating a breeze.
Truebill: Truebill is an app that I started with and absolutely adored. Not only does it give you a calendar view of when all your bills are due but it gives you a total sum of all your expenses and income.
It’s great if you have a hard time tracking the money that’s coming in and out of your account. The only downside that I had with this app is that sometimes it would be slow to navigate but luckly it’s not an app you would need to use every day, just when you need a snapshot of what bills you have coming in.
Digit: Digit is a saving app that slowly takes a small amount of change from your account so that you can save “painlessly”.
It’s a great app if you struggle to get into the habit of saving or if you’re one of those people who never have enough to save. I tried digit for a while and it was great because I truly didn’t notice the money coming out of my account.
I want to talk about delayed gratification and how my experience with it in terms of money has perhaps slightly changed my outlook on life.
So what is delayed gratification? It’s defined as the act of resisting the temptation of an immediate reward in favour of a greater award later.
It’s linked to self control which is something I struggled with for years. I tended to be quite impulsive and impatient in many aspects of my life. When under extreme stress, these awful habits have creeped back into my life but I have done my best to keep them at bay. I had the attitude of ‘if I want it, I will get it and as soon as possible’.
Back to money. My main goal is to move out and own my own home. I started a new job in February 2019 with an okay salary and was a significant increase from my previous, so it was an ideal time to start saving. Although I knew perfectly how to budget and spend wisely and could easily advise people on how to do it well, I chose not to. I preferred to spend on drinks, clothes, holidays and food rather than save to buy my first home. Why was this so difficult?
I have always struggled with planning for something so uncertain as the future and I think this is linked heavily to my inability to resist temptation to quick spends. Every month I would empty my paycheck and I would say the same thing, ‘I really need to start saving’. But I didn’t. I continued to spend carelessly with no plan for the home I so desperately wanted.
It was a slow process but I taught myself delayed gratification in different ways.
For example, towards the start of the year, I had heard that someone had said something about me which upset me. Enraged, I wanted to let her know as soon as possible what part of her colon I’d like her to put her thoughts into. But I didn’t. Instead I wrote up a draft message with all my thoughts into my notes on my phone and never sent it. A day later when I had cooled down, I opened the message, laughed and deleted it. It was gone. Any small satisfaction I may have received by sending her that message was outweighed by my peace. Old me would have sent that straight away with no second thought.
I also realised at the start of the year how much money I had spent between September and Christmas and I felt ashamed. Something had to change. I decided I need to talk to someone about mortgages and figure out how much I needed to save and when. I won’t go into my budget and savings plan of course but I opened different savings accounts with specific goals and started to contribute to them.
Now everytime I spend I think about whether it is a must have or a want. Could I buy this three times over and still be happy with my spending? Will my savings be affected? I remind myself atleast every other day of my goal by looking at houses I could own one day. I truly can’t wait.
In January this year I had little savings, no money on my debit card and -500 on my credit cards. Now, at the end of May, I am up over xK in savings altogether.
I feel so satisfied when I contribute to my accounts every month. I think it has helped my depression as it gives me a sense of achievement and something to keep going for. The feeling of achieving my goals has been better than any dinner or perfume I’ve bought.
Strong self discipline and some sacrifice has helped me get to where I am now in terms of money. It wasn’t always easy but has helped me understand how the same processes can be applied to other goals I have too.
However, I think the key to successful delayed gratification is still making sure you have a little treat sometimes, without going overboard. For example, even with all the savings I’ve achieved, I set aside money last month to buy clothes and trainers I wanted. Delaying every single nice thing you could have can be more detrimental than good.
I’d like to learn more about delayed gratification and the cognitive processing behind it..
Hi Buffy, my friend is in financial difficulty & asked me for a loan. The loan is quite a huge amount to me. I have lent him similar amount before but i had to repeatedly chase for it even tho he promised to pay within a mth after we receive his pay check. I don't like the feeling of chasing someone but the àmount is too huge to forgo, and I don't rlly want to lend him agn. I feel bad cus I know he is in bad shape but..I don't feel comfortable with lending him..
I’m sorry you’re in this situation, for it’s a difficult one. Since you’ve already helped him before and he’s been lax with paying you back, which is not okay, especially when you’re kind enough to help him out, I say don’t give him the loan. If it’s such a big amount of money you are not comfortable in anyway, you do not owe him any sort of financial compensation. Especially because his past history is spotty with paying you back. Offer to help him in other ways if you want, offer to buy his groceries one week or help him clean his stuff, and be there for him emotionally. Once again, if you do not feel comfortable giving him another loan, you do not have to. Tell him the loans a little too big and that you’ll help him find other places he can get a loan or maybe help him look for a place to get some more cash on the side.
You’re not selfish for prioritizing yourself and your finances, anon. wish you the best.<3
We went for a consultation at the pricey vet and whew boy… It cost 240 bucks just for them to tell me what i already know and get the actual surgery scheduled! Its this up coming Thursday and its gonna be 4 grand! Yippiee!
So just a reminder i have a gofundme set up, anything helps, share share share please! I know its hard times and donating doesnt always happen, but sharing helps! Please dont forget about us! Im working hard to job hunt now, my unemployment checks have been on hold, so whatever money yall can give will help more then you know!
Long story short, I struggle with this. Logically, I know I need to spend money to, you know, live. And for the most part, I can make peace with that (after much therapy). Grocery runs, basic self-care, the occasional gift.
The problem comes with the big bills. Medical bills. It’s one thing to buy myself some nicer food every now and then and think “This is fine. I’ve been working hard. I deserve a reward.” Its another thing to stare at a bill citing hundreds of dollars and think the same thing. I am doing my best to take care of myself, and to do so, sometimes that requires expensive blood testing, therapy, dental work, brain scans, etc. And I know logically, i deserve that. I deserve to be taken care of. My emotions scream that there is no way in hell we deserve it. And usually logic will win out.
There’s just something about those big medical bills. Its one thing to have this vague idea that I’m worth it. Its another to stare 4 digit bills in the face and say the same thing. It makes it so much more concrete. That my life is worth something. All the while my mind screams that I’m too expensive to live, that my uptake costs too much money.
All that to say my head hurts, my heart hurts, and I needed to vent a little. Hopefully someone out there can relate. I’m just… going to be gentle with myself for a day or so. Should probably journal.
In other news, my area is still too closed down to find support groups so… back burner the idea goes, I guess.
Here are the stocks in which Warren Buffet has invested the most!
Warren Edward Buffett (born August 30, 1930) is an American investor, business tycoon, and philanthropist, who is the chairman and CEO of Berkshire Hathaway. He is considered one of the most successful investors in the world and has a net worth of $88.9 billion as of December 2019, making him the fourth-wealthiest person in the world. - *Remember this isn’t investment advice, just general information only. Any investing involves risks.* - ❤️ Like | 👇 Save | 📣 Share | 💬 Comment 🏆 Many thanks for your support 🏆 - 👉Follow @11Graphs for more👈 👉Follow @11Graphs for more👈
I am glad to tell that we have finally moved. Earlier residing in Uttar Pradesh, we have moved back to Bihar. Pertaining to the effect of COVID-19, the environment is in a much better condition over here. However, it wasn’t easy moving here, and moving didn’t solve all of the problems.
First of all, packing. Packing everything was a tedious process. Getting everything into sacks already seemed very tough. Then was mom’s OCD, that would make it even tougher. How? Well, things like, she wasn’t willing to place the sacks on the floor, because it would make it hard to clean the floor the next day, which she couldn’t resist. That’s how most of the work got postponed to the last day. Still, it was important to get things done soon, so I decided to go along with the greatest convenience possible.
It would have been more convenient if we had more time. The company where my parents worked had currently imposed a notice period of 6 months i. e. We must stay and work for the company for at least 6 months past resignation. Taking that into account, dad decided to resign in April, someday around their marriage anniversary.
However, it didn’t go as well as expected. As May ended, we were told to leave early. Unfairly so, the company decided to violate its own notice period. We were already burdened with financial pressure. Having no other choice, we decided to leave by mid-June.
The lockdown made the process slightly more complicated. I was the most scared of our happening to get into any problems due to it. Thankfully, it didn’t turn out to be a big problem, and we made it back to Bihar. The next day, all the luggage arrived too.
I was very happy. Little did I know that my happiness wasn’t going to last that long. Within hardly 2 days, my parents had a terrible fight. It was so much worse than the ones I had previously witnessed that I almost felt hopeless. It is hard to express… But painful it was. Especially for me and my mom. Besides all that, it is Bihar, not Uttar Pradesh. Full of snitches. It takes less than half an hour for news to reach from one to the other neighbourhood. Care has to be taken.
Having spent years in a place that is synonymous to prison, my mom has become a person that easily becomes sad and hopeless. She totally discards anything that could make her happy. She says she doesn’t want to live anymore, and so many things that she doesn’t mean… Things I would never want to hear.
I cried a lot. I can face any problem in life if I have a stable, happy, and loving family having my back. After all, who wouldn’t want a happy family? It’s just that mine has been through 20 years of misery, and at this point, it is understandably unbearable.
I admit, it will take a lot of time and money for things to improve. We need to have a place for ourselves to live, and my parents are currently working on getting one built. Money would be scarce in the near future, because my parents aren’t working at the moment. Some friends asked me to start working part-time to help, which sadly is easier said than done.
I am planning to get a new laptop for myself. The one I have (in the college) is at least 12 years-old, which makes it tough for me to use it to learn most of the contemporary technology, which I would need for my future career. Despite the difficulties, I am trying to keep myself up and learning, because that is the best I can do to help my family in being stable, loving, and happy.
Since I got to use the kitchen after a long time, I used the opportunity to make Shahi Tukda (English: Royal Piece), a really nice and quick sweet. It has a very simple recipe. You just need some sugar, water, rusk, and optionally, some cardamom (elaichi) for seasoning. In fact, here it is:
Prepare a cup of sugar syrup (by mixing water and sugar in 1:3 ratio and heating until mild yellow, viscous, and sticky). Add some cardamom for enhanced flavour.
Pour it in a plate to achieve a height of 1-2 cm.
Place few slices of rusk (dry-heated thick bread will work too) and let them absorb the syrup upto ⅓ (one-third) their width on one side.
Let the same happen to ⅓ of the other side. That would get ⅔ of the rusk soaked in sugar syrup and ⅓ dry in the centre to maintain crispness.
Ta-da! That’s it. 🍰 You got yourself a nice Indian sweet to enjoy. In fact, it is quick and yummy. It hardly takes 2-3 minutes to prepare, and doesn’t require a lot of syrup. You are free to try different variations and experiment with the recipe on your own.
I have been learning more of Golang. The most interesting part in it is yet to come, which is concurrency i. e. The ability to perform multiple tasks at the same time. I am also spending time learning Ruby on Rails, which is very famous for rapid prototyping, as I have heard. NodeJS, Flask and PHP are the only other back-end web frameworks that I have previously worked with. It will be great to learn more about database integration into webpages. I am very excited about it. Hopefully, I will soon be able to learn and develop interesting things.
Once I return to college, I am planning to make some new songs. I have already been preparing the lyrics and gathering ideas for quite some time. It will be fun to get creative after a long time. The more we learn, the more we do, the more we grow. Also, once I get a little more calm, I have to continue working on all my pending colourful prompts for Inktober! :(
That’s it for now. See you soon with another post! <3