Here in this part, I will talk about an important topic that is closely related to the profession of comicwriting and especially the artist´s profession, this topic is finance/Financemanagement.
 
As a comicwriter and as an artist, you need time, time for the creative work itself, but also time for inspiration.
The system in our societies nowadays forces us to exchange time for money. The consequences of that matter are that artists, and especially comic book writers, are not completly free in their creative work; forced by the system to secure an  income at any costs, most artists or comic book writers must live from the sales of their creative work. In most cases, this is done to the detriment of the artist's artworks.
Especially by "comics", many comic artists and comic writers have to create and develop a comic in a "commercial and economic context": Since publishers are forced to generate income, profits, and sales in order to survive, comic artists sometimes practice their creative work for economic necessity. Most of the time, comic artists and comic writers "unconsciously" put pressure on themselves to respond to the economic demand of publishers, so they can secure their income. 
Personally, I believe that artists and comic writers must, to a lesser extent, free themselves from this "economic necessity"; the creation of a comic should not depend on a turnover or a salary. The comic artist must be free: free in how he allocates his time for inspiration and the creation of his artworks.
 
Therefore, first of all, it is crucial for a comic artist and comicwriter to be independent or financially free and to escape, to a small extent, the pressure made by the publishers and to free himself from the economic necessity "forced" by the system.
So the artist or comic writer must, first of all,  work for his financial freedom. Unfortunatly, the educational system does not allow us to learn and acquire financial intelligence. So, in this chapter I will try to teach what I consider the "basics" or "pillars" of financial Intelligence. The truth is that achieving financial freedom may be extremely complex to describe;  so achieving financial freedom cannot be summarized in a few words and in a few sentences. There is no simple answer to the question how to become financial free. However, I will try here to give some indications and details about achieving financial freedom.
 
Before that, I will try to give a definition of financial freedom. Financial freedom does not mean being rich; one can be financially free and still have a small passive income. Financial freedom means, first of all, that you are free to allocate the time you spend on your work and activities and are not forced to exchange time for money. In other words, it means that you can allocate your time for activities as you wish, that you can choose your "work" as an artist, and that you can also choose your favorite occupations and activities.
 


Now I will list some of the "basics" to achieve financial freedom:
 
- adopt a "minimalist" behavior:
Adopting a "minimalist" behavior can be very helpful in achieving financial freedom; here I would like to mention that "minimalist" behavior is primarily an attitude that brings more happiness in everyday life; it means not living in excess and being pleased with what you have or possess. Minimalist behavior means living modestly, and contrary to popular belief, not consuming in excess also leads to more serenity and wisdom in everyday life. In our societies nowadays, the system (almost) encourages and "forces" us to consume more and more; in the fact, consuming more and more means filling an inner gap, and that does not make us happy. So spending a little bit of money and being minimalist leads to more happiness and satisfaction. Minimalist behavior is, first of all, a way of overcoming one's ego, and overcoming the ego means openness, courage, patience and perseverance in order to recognize and overcome the trickeries of the ego.
 
- Avoid impulsive purchases
Once you get caught in the trap of "overconsuming", there is a little trick to reduce the impulsive purchases: so when you want to buy an item or a good, the trick is to wait a few daws before deciding to buy it. Most of the time, after a few days, you realize that you don't really need the item or that you should spend your money more wisely.
 
- Make a budget and budget planning
Generally, in everyday life, when you are shopping: you don't really have an overview of your spending and also where your spending goes. To get a control of your spending, you should write down your expenses, note your income and also write down where your spending goes. At the same time, you should also plan your spending for the future. So in this way, i have more control on your consuming. If you plan a budget and write it down, you will be more aware of your consuming and spending in everyday life, and you will think twice before making a purchase that may cause a financial "hole" in your budget.
 
- not take a credit for consuming, but rather take a credit to invest.
 
- Riding a bike rather then driving a car: riding a bike means sport exercice, it is also environmentally friendly and a bike means less costs then a car. In addition to that, there is also the possibility of e-scooters and the possibility of "car sharing".
 
- find tips and tricks to save money and save costs without falling in the "overconsuming" mode; save money in the consume of water and electricity ( example); find opportunities in everyday life to save money.
 
- be ready to give and donate
If you hope to receive and get some money, then you should also, at the other hand, be ready to give and to donate. If you give, then "the universe" will also in various ways gives it back to you. In the act of donating, you should also pay attention to the fact what is supported by giving or donating money.
 
- drawing and writing a comicscript are not expensive, drawing and developing a comicstory are activities with low costs. The Internet also provides free access to information. And The drawer may only need a paper, a pencil and a brush for his drawing activity.

The Mindset Behind Financial Freedom
I will list here some aspects and characteristics of the "right mindset" to achieve financial freedom:
- Work to learn, and don't work for money.
- Not working for money, but making money work for you.
- Overcome limiting beliefs about money and finances.
- Not being submerged by emotions such as fear or fomo ( Fear of missing out ) and greed, but try to remain calm and make decisions rationally.
- Learn to recognize the traps of ego, overcome excessive ego.
- Developing and planning an investment strategy.
- Managing risk in investing; diversifying in terms of investments.
- Develop discipline, patience and perseverance in financemanagement and investment strategy.
- Learn from mistakes and failures
- Not get discouraged and develop perseverance.
- break away from "old beliefs" about work and money beliefs that we have inherited through our parents, the school system, and the mainstream media. Examples: "You have to work hard to be successful" or "Everyone has to work" or "have good grades and good scores at school and college, and after college and university, pursue a well-paying job and make career in a large corporate company".
- Invest in yourself; acquire financial intelligence, invest in knowledge and financial education, read, get informed, invest in online training courses....
- Surround yourself with people who inspire you and support you; for example, don't surround yourself with people who have strong limited beliefs about money.
 

Financemanagement and moneymanagement
One of the keys to financial freedom is money management or financemanagement
In fact, money management is about reinvesting the profits from the difference between expenses and income, and with the interest rate effect
the invested money increases exponentially in the long term.
An active asset is something that generates income; a passive asset is something that generates expenses. A person with a good financial education will do the following: increase all active assets and decrease all passive assets, so that the profits resulting from the difference between active and passive assets are reinvested each month.
For example, an asset is a property; here it is important to mention that renting this property makes it to an active asset, since renting generates income, while occupying the property does not mean an active asset, it is rather a passive asset. The property does not generate income, but costs something each month through the loan repayment.
When a profit is made each month by the difference between active and passive assets, you shoud reinvest the money earned. There are different allocations in which you can invest money: such as real estate or shares on the stock market, precious metals. Another "new" alternative of investment is bitcoin and cryptocurrencies. In my opinion, the "cheapest" and "most lucrative" investment is cryptocurrency, because cryptocurrency is still a very young asset and the "bubble" around cryptocurrencies is just at the beginning. ( while for shares on the stock market and real estate, the "bubble" is coming to his end, so it's a bit late to invest in real estate and stocks). I will be posting videos specifically on cryptocurrencies and bitcoin on my Youtube channel ( in progress ) because bitcoin and cryptocurrencies are an extremely complex topic that is still largely unknown for the general public and there is a need of education about bitcoin and cryptocurrencies. According to my latest knowledge, there is also a difference between Bitcoin and Altcoins or the many other cryptocurrencies. The Altcoins are speculative objects, Bitcoin is different, Bitcoin is a commodity, it is the digital gold, the gold 2.0. The characteristics of Bitcoin and a mass adoption of Bitcoin in a long term mean the peaceful revolution that we all hope as citizens, it means the end of corruption, the end of wars, because wars are financed by overprinting money from the central banks, in a long term, bitcoin means a better redistribution of wealth and resources in the world. Investing in Bitcoin and also informing and educating about Bitcoin also means trying to create a better world for all of us. 
 
- Different ways to make money without working.
Here I will try to list some ways to acquire money without working, however there is no simple and easy way to get money. I will list here some tips and tricks that helped me personally for a while.
- Receive unemployment compensation
- Inherit money and increase/invest this money
- Receiving money from one's parents or other family members.
- Receive money from the husband or wife.
- Obtain money through ( long term ) investment returns
 
- Making the right choices on the path to financial freedom.
The path to financial freedom is an inner process, one of the "gold rules" for achieving financial freedom is inner change. In order to make the right choices, you need to adopt a certain attitude, behavior and good habits. Below, I will mention some characteristics of the right attitude to achieve financial freedom:
- eat a healthy and balanced diet
- exercise regularly
- sleep well and sufficiently
- meditate regularly
- be permanently relaxed and not under stress
- Positive thinking
- not to be dominated by your fears; understand what is behind your fears
- take time to read and inform yourself in order to acquire "financial intelligence" and learn about all subjects related to finances.
 
 
 
To sum up: achieving financial freedom requires the right mindset, making the right decisions, using some tricks, having the right attitude and behavior.
In my opinion, financial freedom is an essential aspect in the artist's journey. Only in this way, the artist may be truly free.
There are no easy answers on how to achieve financial freedom; describing ways to achieve financial freedom may be extremely complex. That's why I will provide further informations in videos on my Youtube channel ( in working ).