Start Investing Now

Investing Now

How and why to start investing money right now

I am not a professional or trying to push any apps on you guys. Just my experiences!

You're never too young or old to start investing. There will always be stock futures (pun intended) ahead of you. Our world revolves around money: money to earn, money to save, and money to spend, but investing does all of these things in one.

A common misconception of the stock market is that you are saving money, when rather it is the opposite. You are giving someone a piece of your income here and there to grow their business. In fact, you are spending money by buying a piece of the market. The money you put into the stock market shouldn't be money you are expecting to take out any time soon; invested money is meant to sit for at least two decades. This is why it is vital to know who and what you are giving your money. Once you own a piece of their company, your returns directly correlate to what they do with your money. There is a huge difference between putting your money in a savings account and putting it into investments. When in savings, the interest earned is much more stable than in the market, yet much smaller. The market goes up and down every day. Some stocks go way up while others will plumette. If you are like me and not wanting to throw your money into a risky stock, there are numerous ways to invest safely with low risks. Stable investments are things that are necessary to daily living like energy companies. Also, it is important to diversify the things you invest in. In the stock market, you can choose many different stocks to ensure when one market crashes you at least have the others to fall back on. By choosing a share of an american cell phone company, you should also look at things in other markets, like petroleum or government. Choosing things that are personally interesting to you isn't always the safest bet. Those things should be considered higher risk investments because you are personally tied to your money in the market. Once you invest money, you have to be in the mindset that it is no longer "technically" yours. When the market goes down, you just have to remember it will eventually go up. Likewise, when the market is doing really well, you absolutely must remember it will crash eventually.

For example, in 2017 the market was doing extremely well. It was at the highest its been in almost half a decade. Unfortunately in the beginning of 2018, the market took a hit and I lost the $42 I had gained in the past year and an additional $8 of my own money. The crash was worth about $50 to me, but others with a higher risk portfolio lost hundreds. Although they have a higher risk portfolio and lost hundreds, they probably have made more money than me, too. So it really depends on how you would like to wager your money.

All this being said, there is also the problem with finding the medium through which you will enter the market. For some beginners, I suggest Acorns. Acorns is a downloadable application for cell phones and desktops that guides you through the process of investing spare change and recurring investments of $5-$20. The round-up feature is what made me want to join Acorns in March of 2017. Round-ups are collected every time you buy something. If you buy a coffee for $3.90, then Acorns will round it up to $4 and invest that additional 50 cents. Since then, I have invest $241.48 in spare change alone. Acorns also tells you what to invest in. The only thing you have to do is choose what level of risk you are willing to take. You may start with as little as $10 and eventually work your way into the thousands. I joined a little over a year ago and am more than pleased with how far I have come in knowledge and investments. Other apps like Robinhood and ETrade give you more control over where you put your money.

Don't take my word for it. Start researching the best options for you. My knowledge is minimal for sure, but there are people whose careers are investing. There are numerous websites and mediums to get involved with. Some may seem like a good match, while others are too time consuming or too risky. No matter what your bank account looks like, you never have too little to begin investing now.

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If You've Ever Been Called Overly-Emotional Or Too Sensitive, This Is For You

Despite what they have told you, it's a gift.

Emotional: a word used often nowadays to insult someone for their sensitivity towards a multitude of things.

If you cry happy tears, you're emotional. If you express (even if it's in a healthy way) that something is bothering you, you're sensitive. If your hormones are in a funk and you just happen to be sad one day, you're emotional AND sensitive.

Let me tell you something that goes against everything people have probably ever told you. Being emotional and being sensitive are very, very good things. It's a gift. Your ability to empathize, sympathize, and sensitize yourself to your own situation and to others' situations is a true gift that many people don't possess, therefore many people do not understand.

Never let someone's negativity toward this gift of yours get you down. We are all guilty of bashing something that is unfamiliar to us: something that is different. But take pride in knowing God granted this special gift to you because He believes you will use it to make a difference someday, somehow.

This gift of yours was meant to be utilized. It would not be a part of you if you were not meant to use it. Because of this gift, you will change someone's life someday. You might be the only person that takes a little extra time to listen to someone's struggle when the rest of the world turns their backs.

In a world where a six-figure income is a significant determinant in the career someone pursues, you might be one of the few who decides to donate your time for no income at all. You might be the first friend someone thinks to call when they get good news, simply because they know you will be happy for them. You might be an incredible mother who takes too much time to nurture and raise beautiful children who will one day change the world.

To feel everything with every single part of your being is a truly wonderful thing. You love harder. You smile bigger. You feel more. What a beautiful thing! Could you imagine being the opposite of these things? Insensitive and emotionless?? Both are unhealthy, both aren't nearly as satisfying, and neither will get you anywhere worth going in life.

Imagine how much richer your life is because you love other's so hard. It might mean more heartache, but the reward is always worth the risk. Imagine how much richer your life is because you are overly appreciative of the beauty a simple sunset brings. Imagine how much richer your life is because you can be moved to tears by the lessons of someone else's story.

Embrace every part of who you are and be just that 100%. There will be people who criticize you for the size of your heart. Feel sorry for them. There are people who are dishonest. There are people who are manipulative. There are people who are downright malicious. And the one thing people say to put you down is "you feel too much." Hmm...

Sounds like more of a compliment to me. Just sayin'.

Cover Image Credit: We Heart It

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Buying New Clothes Every Month Has Been The Key To Helping Me Become Happy With My Body Again

Loving my body in new outfits has boosted my self image so much.


Being body-positive has been really hard for me to do throughout 2019, despite there being an overwhelming surge in body-positivity around me, whether through my friends and family or YouTube. I look in the mirror and what I see is someone I want to make a jean size or two smaller like in the past. That being said, I've slowly been coming around to accepting the body I have now, instead of bashing it constantly. A key way I've come to accept the body I'm in now is through buying myself something new every month, like a new T-shirt or a pair of jeans or sneakers that help me see myself in a positive light. When I'm in a new outfit, I feel invincible. I don't think about how pudgy my stomach is, or about the hair I have growing in random places, like my neck or on my nose (yes, not just in, but ON too).

My bank account tends to suffer as of recently because of this, but it's worth it when I can genuinely feel good in what I am wearing every day. I like to wake up and think about how many outfits I can put together, ready to post my #OOTD for Snapchat without caring what anyone thinks. I've let social media dictate how I feel about myself more than I care to admit. I see how perfect all the models are in everything they're wearing from brands I know and love, yet when I try the same thing on, it's a whole different ugly story.

I don't enjoy trying things on to avoid the shame I feel when things don't fit me right, or if something that I thought would flatter me actually makes me look like a sack of potatoes. Instagram has really hurt my body image a lot — enough to make me delete it for a week after one post sent me spiraling. Going through those bumps made me finally realize it's not my fault if something doesn't fit. Sizes range depending on the item, it's the clothing items fault, not mine. Now that I see that, it's easier to brush off something not fitting me as it should. I know my size very well in the stores I frequent the most, so it's easier for me to pick out things I know will look good and not have to worry about the sizing issue.

Buying yourself something new is not something you should limit to every few months or longer. You shouldn't be afraid to go out of your comfort zone price wise every once and a while either. Coupons exist, stories always offer you them when you first sign up to receive emails and even texts. You can be crafty and still get a high price item for less. If you treat yourself to cheap things, you won't feel half as good as you want to. Granted, sticking to a limit is important but there's no shame in going over the limit every once and a while.

I love shopping as much as I love country music and writing short stories — a lot. Yes, I get yelled at almost every time I get something new. I need to save my money for important things, like for my sorority or for medical issues that could suddenly arise, or for utilities at my house next year off campus.

However, my mental well-being is not something I can ignore.

I can't push the good feelings aside to save 30 or 40 bucks a month. I don't want to feel as low as I've felt about myself anymore. I'm tired of feeling sad or angry at who I am, and I want to learn how to accept myself as I am. Buying myself something new, like clothes, is what offers a positive light to view myself under.

Whether you treat yourself to dinner at your favorite restaurant, or to face masks, or to a new movie when it comes out — don't be afraid to do it. Put yourself first and you'll realize your worth and how much you've been ignoring it in the face of poor confidence.

My confidence isn't back up to where it used to be, but it's getting there.

It may not be the most cash efficient method of self-love, but my body positivity is better than it was a few months ago. Aerie and American Eagle have really helped me become happier with my body, and I can't thank them enough for being more inclusive for people like me who are learning to love themselves again in a new body.

There is a light at the end of the tunnel for all of us hoping to promote our own body positivity, and it could all start with a simple purchase from your favorite store after you read this.

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