u/Apz__Zpa

I had an idea after a conversation with a friend who had a stock that they didn't want to let go and saw described it as their 'baby' as it was their first stock as is growing well.

So my idea was what if, as an experiment, you found a cheap stock and put a little bit of money in it, or use a free sim, and treated it like a thought form.

You give it a personality, a form. You pray to it. You give it offerings to help it grow.

Could be a fun experiment.

Has anyone done anything similiar?

Hey there,

Looking to take my finances more seriously and to make a plan that covers me for emergencies, pay for student debt, save for a house, a SIPP (self-employed), long-term index fund investing and value investing.

The details:

I am 30, self-employed. I make a day rate and my monthly income is not set in stone. I have about 3 months worth of emergency fund in a ISA at the moment at 2.45% which I can take out penatly free at a limit of three times a year.

I started a SIPP last year with Intelligent Investor and that has around £2k in it. Not so consistent with putting money into this of late. I split it between two funds, Vanguard Life Equity 80% and Vanguard Life Equity 60%.

I would like to start a LISA for a fund for a house deposit.

I would also like to have another Index Fund for general 'wealth' and start learning deep value investing in a few satelite stocks from a small percentage of income for more short/mid-term growth.

I currently pay my student debt plan 2 at the end of year with my tax which I have a seperate account for.

I do not have a budget yet but have figured out all expenses and put money aside in a seperate account for those. I haven't been so consistent with putting money into SIPP or emergency fund for the last several months as sometimes I don't have enough for generally living. I am looking to combat this by getting more clients to have a wider pool to get enough work to live (expenses and lifestyle) and save.

Due to being freelance and not having a set annual/monthly income my plan is to take percentages of my day rate and portion those off into tax account, expense account, emergency fund, SIPP, lifestlye account (wants), House fund and eventually index and deep value investing (once I am in a good spot for emergency fund and house fund).

Of course to cover expenses for the month and have money to generally life and enjoy myself I have to have a certain amount of work to cover it.

Looking to increase my emergency fund from 3 months to 6 months for more security.

I have a Round-Up saver on my bank account which I use as a way for any unsuspecting bills like if my car breaksdown.

I am aware of the flow chart but looking for any other advice you may recommend. Looking to also increase income short-term as well.

I have been practising the Orphic Hymns daily to the planet of the day. I have been using the same candle each time but with fresh incense. I have been curious to know if this is acceptable, unwise or unpious.

If fresh then that is a lot of candles, and thre is a concern to leave them to burn out. Tea lights are an option I guess but still that is a lot of tea lights. That's 365 a year lol.

I don't really know if there is any solid literature on this so relying on experience of practioners for knowledge.

edit:grammar