Disability-Friendly Prosperity Magic
So let's face it, those who are disabled have a hard time with money in general, either from being unable to work or not having a steady, strong source of income. Sometimes we can monetize our hobbies, admittedly at a limited capacity (some less or more than others).
From our relationship with money, money mindsets, and income streams, it's hard. That's not to shame anyone, either. Some overspend to cope, while others are incredibly frugal.
In this post, I will review some resources, tips, and tricks for the struggling disabled witch.
The Mundane Before Magical
Step one is to make a budget and track your expenses. I'm serious. Sit down, look at where your money is going, and decide on a budget that you can realistically stick to. I use the 50/30/20 rule as a budget, which is 50% Needs, 30% Wants, and 20% Savings. However, I recently switched wants and savings around so I can save for a trip.
Now I do not want you to worry about a big fancy budget method. I don't want you to overthink it. Here is a resource (Canada, but it can be used in the USA) to start one. Focus on your needs like housing, utilities, basic clothing, food, etc. Then go into wants and entertainment, and finally, savings. I suggest you put any debt payoff into the needs category if you have any debt. You do not want a blow to your credit report.
Now do you have any financial goals? Going back to school? Debt payoff? A trip? Even a big medical trip coming up? Here is a resource (Canada, but it can be used in the USA) that can help you create a goal and a plan to pay this off.
Savings, please, your SAVINGS. It is vital to have an emergency fund. Job loss? Death? Vet bills? Children? Dentist? You better believe that piles up. It is recommended if you are single to have at least 3 months of income saved up, with a child and single at least 6 months. Married on two incomes, the same amount. Married with one income, it is recommended without children at least 6 months saved up and with children 9 months. It is vital you have the means to take care of yourself if an emergency strikes. It is never recommended that money be stopped from being put into these accounts.
If you are in debt, look at your debt relief options. Sometimes there are services out there that can advocate for you regarding debt. They will help you develop a plan, understand the relief options, sign documents with you, and develop a credit rebuilding program. These services are out there; even if they are paid, they can help you pay off some of your debt, especially credit card debt.
Educate yourself on investing, basic investing, and financial literacy, in stock markets and everything beyond. Know what kind of accounts you can hold and what could help you in your situation.
Need help applying for disability? Here's a resource for the USA (a lot can also be used for Canada).
Upkeep a prosperity altar. Work with the spirit of money like you would any other spirit. Honour it, talk to it, venerate it. Money loves to be valued, moved, not wasted, and used in charity. Most importantly, money takes time. Money takes time to grow and build a relationship with.
This is the most important thing I've learned about money. It wants to be worked with. It's sitting there. It wants to help and aid you in ways that you need.
Work with this altar on Thursdays, incorporating the spirit of Jupiter. Jupiter rules over finances. Long steady finances, not quick finances. Jupiter rules over business, legal and all things finances. Jupiter is a slower-moving planet.
You can also incorporate the spirit of Mercury on Wednesdays along with your Jupiter workings. Mercury is a fast-moving planet, a planet for fast-moving money. However, you must build a long, steady form of finances over quick, easy cash (but sometimes you do need it right now).
You can create a money bowl and work with it on this altar, a Jupiter cashbox (I will make a future post on this), or a manifestation mirror box filled with petitions, sigils and your investment/banking information.
Fill your altar with greens and gold, imagery for wealth and abundance, pocket change, and anything else that symbolizes wealth.
Do not forget to leave offerings for your money altar. A simple glass of water can do but try to do more if you can.
Road opener workings or petition with an offering for the cross-road spirits who can unblock blockages in your way.
I know this might not help everyone, but I sincerely hope this helps somebody. Financial literacy was not taught to everyone, nor were proper budgeting tips. I wanted to share what I've learned over the years as I believe it is vital information for some of the information I have collected.
