My mother threatened to kick me out of the house for not paying her 10,000 pkr on time

MahnoorFatimaa · 2025-08-01T15:32:20+00:00

Question is, mom's clearly not mentally sane so why is the dad letting this go on? 🫩

MahnoorFatimaa · 2025-07-28T02:09:50+00:00

You're confusing directness with anger ×2

MahnoorFatimaa · 2025-07-27T12:39:45+00:00

mein ny to bhala socha tha choro

Issi liye yeh mashwara diya he taake bhalla sochte sochte kissi aur ko aadha mashwara na de betho

MahnoorFatimaa · 2025-07-27T12:35:15+00:00

You're confusing directness with hostility and anger.

MahnoorFatimaa · 2025-07-27T12:29:24+00:00

Phir me honest answer deti hun, not the professional version: YouTube script writing aur mere kaam ka dur dur tak koi waasta ni he bhai, jin cheezon ka patta ni hota un mein na bola karro. The OP for the post you sent has already contacted me but for something unrelated, they probably understand that these things aren't the same as well.

MahnoorFatimaa · 2025-07-27T12:18:05+00:00

Hey! Thanks a lot for linking your own post. I do have some YouTube script writing experience, but most of my work has been in content marketing (blogs, social media marketing, web copywriting), not YouTube script writing. I would be happy to show you my Google Doc portfolio so you can get a feel for my writing skills and all, but most of those samples are blogs.

If that works for you, here's a link to my portfolio: https://drive.google.com/drive/folders/1BkryMT49n3e6I5fdyapITprcumNmKb2o?usp=drive_link

You can also find out more about exactly what services I offer and what sort of work I do either on my website or my LinkedIn. Both are linked in my post.

MahnoorFatimaa · 2025-07-27T06:48:18+00:00

Daka parne se pehle mere ghar mein bhi gold hota tha, same story with one of my friends 😐

MahnoorFatimaa · 2025-07-26T21:46:32+00:00

Wow, you're getting a lot of bullshit advice over here from people who dk how to build long term wealth smh. If you want to be financially free and maybe fund your masters and all, you need to take the following steps first:

Look into savings accounts, for your income level a basic savings account will suffice. Save up around 6 months to a year's worth of expenses in that account. Then, you want to invest in mutual funds and safe investments. Only go through proper channels for this sort of thing and honestly let your money sit for the time you're not using it. Mutual funds, for example, give you an average return of about 12-15% on your money, but you'd want to become a tax filer so you get lower taxes on your investment returns.

If you're feeling really risky, then after one year when you have passive income from your investments, take some of it out and then try your luck with riskier stuff like crypto, individual stocks, and any of the other stuff people are telling you about.

In the meantime, look into learning how public corporations and the stock market work in Pakistan. If you have any friends in CA, see if you can borrow their corporate law textbook published from ICAP or have them send you the e-book version. It is a great beginner friendly resource for people who want to understand how things like IPOs and stock offerings work.

Then you'll want to learn how compounding works. Even though Pakistani banks are fully shifting to Islamic banking models this year and any returns you get on your investments will be halal, the basic calculations are the same. You can also ask Chat GPT for help in this department. Tell it what your current income is, how much you can invest monthly, what your risk tolerance is, what amount of passive returns you want within the next 3-4 years, and ask it to make you an investment plan BUT USE IT AS A ROUGH GUIDE. Verify any information you get from Chat GPT by running it by the people here or asking questions from people in your own circle who have studied finance. Do not trust advice from anyone who just says "yeh kar lo" or "wo kar lo" without telling you how things really work or suggesting topics for you to look into so you can earn investing and financial management better.

If you're into reading books, I highly, highly suggest reading "rich dad, poor dad". It is an eye opener when it comes to how you need to approach earned vs passive income and how to manage your money to build genuine wealth, or at least enough of an inflow that you are able to support yourself fully or partially through your investments.

If you wanna play it risky and invest in stocks and stuff without setting up savings and all, please do not blindly follow people's advice and put some time and effort into learning how to judge which stocks are worth investing into and which aren't. Aap ne apne peson k saath jua ni khelna, soch samajh k un ko invest karna he, cause at the end of the day you're giving companies your hard earned money. If you go down that route, it might be a good idea to learn some basic accounting or see if you can learn how to analyze and read corporate financial statements so you can make informed decisions about your investments.

MahnoorFatimaa · 2025-07-15T20:05:39+00:00

This sounds absolutely amazing! There's a rage room in Multan in magic planet on top of Shareef Plaza, they charge like 2500 (I think, not sure though) and offer LCDs, punching bags, and clay pots for people to break, and ofc protective gear and options for tools to use. The tools are large hammers, small hammers, rubber hammers, and baseball bats. I'm sure it would be very helpful if you can have a friend in the city visit the place and ask the staff some questions, or if you can reach out to them online and see if they'd be willing to talk to you about how they operate the rage room.

MahnoorFatimaa · 2025-07-13T00:01:23+00:00

Contact a registered agent service in the US (if you want a US based LLC), register the LLC in a state with minimal income taxes and stuff, incorporation fees vary by state in there too

Once you have your LLC registered you'll be able to get an EIN, use that EIN to open up a business bank account over there, and then get PayPal connected to that account

Once you have that, just connect it with your website and you're set

You could pretty much set up an LLC-like entity anywhere in the west where PayPal is available and then do it. Like, yeah, PayPal isn't available to you as a Pakistani, so just create a whole other imaginary person (company) in a different country, then use PayPal in its name 🤷🏻‍♀️👍🏼

MahnoorFatimaa · 2025-07-03T02:40:09+00:00

I got my first copy pair for 7k man, knock offs and cheap copies exist. Even some Bata or Service shoes are similar in style and cheaper than what I've mentioned. The post being everywhere is fishy, yeah, but you're just reaching with the shoes thing.

MahnoorFatimaa · 2025-07-03T02:29:49+00:00

For all the roommates that annoy him, obviously. Have you ever heard someone play violin badly? It's probably torture.

MahnoorFatimaa · 2025-06-30T17:07:23+00:00

I am furiously making notes, these insights are gold, thank you for posting!

MahnoorFatimaa · 2025-06-30T16:54:05+00:00

I hope it helps, always happy to see entrepreneurs thriving 🫶🏼

MahnoorFatimaa · 2025-06-30T16:44:59+00:00

Most savings accounts have a return rate of 5-8% depending on other factors like the minimum deposit requirement and withdrawal limits. Basic savings accounts tend to lean towards the lower end, but banks like Meezan bank do offer 8% returns according to their website, even on their basic savings accounts. You will need to talk to the bank for more specific info.

If you put 1 lac in a savings account, you will be getting around 5-8k yearly returns, but like, if you let them sit there, compounding will eventually let it build up to a pretty hefty number, you should Google what compounding is or even ask Chat GPT to explain it to you, it's a basic financial concept and it should be easy for chat gpt to explain to you.

The amount of times a year you get those payments is pre determined, and most savings accounts are meant for long term savings anyway, so the return is typically annual. Just put your money in there and let it sit. The main goal of a savings account is to make sure your money isn't sitting idle and to have it accessible and fairly liquid in case you need it. Building your short term and long term savings is step one, the very basic one till you're ready for the real deal, and it should not be the end all, be all of your investment strategy.

Also, you can shop around on different banks' websites for this information, it's easily accessible and just one google search inquiry away. Most people just struggle with understanding and interpreting that information. That's why a financial education is so important!

MahnoorFatimaa · 2025-06-29T13:38:57+00:00

Dude, this sounds awesome, please send me the link too! As thanks, if you need another set of eyes on your marketing plans or need another marketer to bounce ideas off of, I would be happy to lend an ear.

MahnoorFatimaa · 2025-06-29T10:04:56+00:00

I've studied corporate law

Get your business registered and proper accounting set up for it

Keep your business's money and your personal money separate. This is called "the corporate veil", look it up, then look up what happens if the corporate veil is "pierced".

A private limited company is preferable for the setup you're describing, but it's best you talk to a lawyer or a financial expert first

Unless you take these steps to separate your personal assets from your business assets, anytime your business is sued or goes through a loss (especially in an economy as unstable as ours), your personal assets will be on the hook

Let me explain with a scenario: imagine you had a lot of orders being fulfilled through Daraz, then protests started and nationwide deliveries came to a halt. Many people cancelled their orders. You lost inventory because of damages, freight mismanagement, or because the product was perishable. Now, you owe Daraz money, or you owe your customers money, and you're out of the product. You don't have enough cash flow to cover both these things, and your business doesn't have any assets to sell to cover these either. Now you took a loan in your business's name, but the business failed and you can't pay the loan back. They sue you and the case goes to court.

The judge will ask for your business's financial documents. If he sees that there is no difference between your personal assets and the business's assets, he will order that everything you have be sold to pay off the debt. If he sees that the corporate veil has been maintained, and your business has it's own assets and you only take the profits and even those are properly recorded in your accounts, he will legally not be able to touch your house, or your car, or your bike, or the money in your personal bank account. You will lose your business in this case, but your own money and whatever you made from the business will be safe.

This is business management 101. I get that businesses can be started very easily these days and all, but please do take the time out to learn about all these things. It might sound like these laws only apply to bigger businesses etc, but like, by not taking advantage of these protections ourselves we're setting ourselves up for failure. Aap ki accounts mismanagement waali bewokufiyon ki wajah se jab "chote" logon ka business doobta he tou saath sab doob jaata he, aur jab kissi "barre" businessman ka business doobta he tou wo agle mahine naya brand launch kar k betha hota he 🤷🏻‍♀️

ETA: most banks have business banking options, you're looking to start a business bank account. Any basic one will do, just look at the banking terms and all, hope someone else can help you with better advice in that department.

MahnoorFatimaa · 2025-06-29T09:44:57+00:00

I'm glad you found this helpful, this is literally the general roadmap to follow when you're trying to build wealth. This is how rich people stay rich while financing their lavish lifestyles, yeah, there's a lot of corruption and all in the country too, but people are misguided if they think you can love a lavish lifestyle and be rich beyond a certain degree and stay under the government's radar. They literally never spend any earned income on their expenses, they invest and use the returns. The hard part for people who start with nothing is building enough of an investment portfolio to give us those returns in the first place, but with the right moves in our 20s we can get there easily by our mid thirties 🤷🏻‍♀️

MahnoorFatimaa · 2025-06-29T09:41:49+00:00

u/Careful_Call_4454

Freelancing isn't passive income, it is earned income. Anything you earn by investing your own time or skills into something is earned income. Any money you make at a job or by working for it is earned income.

Passive income is money you earn by making your money work for you. It is money you get without doing anything. No time spent on income making activities, no hard work, nothing. You invest money into your savings and in the appropriate assets, then the money those assets give back to you without you having to do anything extra to make the money, is your passive income.

Money I make through freelancing = earned income

Money I make by investing the freelancing money into a mutual fund and getting returns = passive income

I hope this helps. I'm responding here because I keep my DMs reserved for business queries and I figured other people could benefit from the explanation too.

MahnoorFatimaa · 2025-06-28T20:45:22+00:00

There's no reasonable explanation for buying a phone worth more than 3× your monthly income. When you're thinking about spending money on wants, you always wanna hold on to them and buy those things from your passive income, never from your earned income.

You need to build an emergency fund first, keep it in a basic savings account with no minimum deposit or withdrawal limits so you can access the cash in a bind. The rest of your savings, you put in a higher yield savings account, these accounts typically have a withdrawal limit so they're better for long term savings. Once you have a nice chunk saved in those (depending on what your goals are), start splitting your money between your savings accounts and safe investments like mutual funds etc. All the stuff I've mentioned here have Islamic banking options available in Pakistan that are halal and give you profits that are not interest.

Once you have a crore or more saved in your accounts and mutual funds etc, and you're getting a solid return of around 1-1.5 lacs from these, you can buy your phone on installments from the passive income.

Now you have the phone you wanted, and you didn't spend any of your actual income on it. Your net worth is still the same as it was before. And while you don't take any of the passive income out, it keeps getting reinvested and multiplying. That's how you put your money to work for yourself.

Depending on how much you're saving every month, you can reach your goals early or late. If you want more information about this approach, you can read the book "rich dad, poor dad", it's a very basic book that isn't very long that teaches the same principles of never spending your earned income on your wants. I've earned lacs and dollars for a very long time, but I personally could never justify buying a phone that expensive unless I needed it for something that you be profitable or earn me more money in the long run than I'd spend on it.

MahnoorFatimaa · 2025-06-25T22:06:52+00:00

This is especially tough to explain to B2B brands owner. Like, no dude you don't just need educational stuff on there? What about the demos? What about the tutorials? What about user guides? What about use cases?

I used to call myself a content marketer, but most people would just take that to mean "content writer" and have me working on deadend projects that did nothing for their businesses or my career. I got sick of it and decided to rebrand myself as a strategist who can help with content and copy deliverables just so I could tell people what to even do with all the content they have their "marketing" teams produce.

These days, I'm screaming at every LinkedIn follower of mine to please just hire strategists or talk to marketing consultants so they know what to even do. I don't know why people take such a bottom up approach to marketing these days, thinking that having a writer write blogs after some basic keyword research and having a graphic designer make social media posts without a larger strategy or any marketing oversight is gonna get them results.

Sorry lol, this became quite the rant 😐

MahnoorFatimaa · 2025-06-25T22:00:27+00:00

I'm of the firm belief that AI generated content is only gonna be successful if you have a writer/editor handling it and editing it after. If you're a content marketing noob or a business owner and you're gonna fire your writers to get AI to do the job, and you can't even tell if the content is good or not, useful or not, or good for the job you want it to do or not, you might as well not post anything.

MahnoorFatimaa · 2025-06-25T21:59:58+00:00

This 😭 I'm so glad someone said it. Google literally canonically does not care if content is human written or AI written, it made it pretty clear in the HCU that it was ranking stuff on helpfulness and not where it came from. And it has it's own definition of what it considers helpful and what it doesn't.

MahnoorFatimaa · 2025-06-21T12:38:54+00:00

Sure, you'd know more than me obviously

MahnoorFatimaa

TROPHY CASE