Hey there, money makers. It’s Your Finance Fairy again helping you unlock financial freedom. If you found your way here them I am quite sure you are willing to create a passive income online.

Have you ever felt like the stock market is this mysterious world meant only for rich men in suits?
I get it. I used to feel the same way. The word “investing” used to make me feel anxious and out of place. But deep inside, I knew I wanted more out of life than this 9-5 race, I wanted more freedom, more choices, and a future where I wasn’t constantly stressed about money.

If that sounds like you, keep reading.

This blog post is your safe space, a guide written with love and empathy for every woman who wants to take control of her financial future, even if she’s starting from scratch.

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My Story: From Financially Clueless to Confident

Let me take you back to 2023. I was sitting in my tiny room after school, casually scrolling through social media, when I noticed everyone was suddenly talking about stocks, investing, and “generational wealth.” Meanwhile, I had exactly SEK 249,02 which is approximately $24.92 in my bank account. No savings. No plan. And no clue what any of it meant.

One night, out of frustration, I googled “how to start investing with little money” for the tenth time. But once again, everything I found felt either too complex or clearly written for people who were already rich.

But I didn’t give up.

So, I started small. I watched one YouTube video per day. I read beginner blogs. I followed investors who explained things in plain language. And slowly, something shifted in me.Then, I realized that financial freedom wasn’t just for the wealthy but it was for the determined.

That’s when I found a very cheap stock market course by a girl who has been exactly where I was. Her name was Sara and she was an only child by a single mother who worked two jobs just to make ends meet. She was a college dropout who started investing stocks in her late teens.

Her course is what took me from financially clueless to confident.

Now, I invest regularly every single month. I’ve built a small, growing portfolio. I’ve made mistakes, learned lessons, and most importantly, I’ve taken control of my financial story.

This guide is everything I wish I had when I started. Let’s break it down together.

What its the stock market?

Let’s break it down simply.

The stock market is a place where people buy and sell stocks, tiny pieces of ownership in companies. When you buy a stock, you’re not just giving your money away… you’re owning a slice of that business.

For example, if you buy one share of Apple, you’re officially a partial owner of Apple. If the company grows, your investment grows too.

What Are Stocks, ETFs & Dividends?

• A stock (or share) is a small piece of a company you can buy.
• An ETF (Exchange-Traded Fund) is a bundle of different stocks — perfect for beginners who want to invest in multiple companies at once.
• Dividends are small payments some companies give you regularly just for owning their stock. Think of it as passive income.

What If You’re Muslim? What’s Halal to Invest In?

Great question and it’s an important one.

In Islam, you’re allowed to invest, but the companies must follow Shariah principles. That means avoiding any company that profits from:

• Alcohol
• Gambling
• Pork
• Pornography
• Interest-based banking or loans (riba)
• Weapons and defense industries

These industries are considered haram (forbidden) so even if the stock looks profitable, it’s not worth compromising your values.

The good news is: you can invest and stay halal at the same time.

There are Shariah-compliant stocks and ETFs that have been screened to make sure they follow Islamic rules.

Some popular halal investing options include:

• SPUS – S&P 500 Sharia Industry Exclusions ETF
• Wahed FTSE USA Shariah ETF
• Amana Mutual Funds – Designed for Muslim investors

These funds avoid haram sectors and screen companies based on their financial ratios, debt, and business activities.

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How to Know What to Avoid

If you want to double-check a company, use a halal stock screener — like:

• Zoya app (very beginner-friendly!)
• Islamicly app
• IdealRatings

They’ll tell you whether a stock is halal or not in seconds.

Also, avoid companies with too much debt, or that earn most of their money from interest (riba) — that’s a red flag.

Why More Women Need to Start Investing in 2025

It’s no secret: men invest more often than women. But when women do invest, research shows we’re actually better at it — we tend to make more consistent and less risky choices.

Still, many of us hold back. Why?

• Fear of losing money
• Feeling like we “don’t know enough”
• Thinking we need a lot of money to begin
• Believing investing is “too risky” or “not for me”

Here’s the truth:

The biggest risk is not investing at all.

Every year you wait, you’re losing time and time is what makes your money grow when you invest your money.

Investing isn’t just about wealth. It’s about options.
It’s about choosing if you want to work, when you retire, and how you live.

What’s the difference between investing and trading?

Investing = long-term wealth building
Trading = short-term buying/selling for quick profits (riskier!)

How to Start Investing in Stocks (Step-by-Step)

Here’s a step-by-step roadmap to get you started, even if you’re starting with just $10.

1. Figure Out Why You Want to Invest

Ask yourself:

• Do I want to retire early?
• Do I want to stop living paycheck to paycheck?
• Do I want to help my family or travel the world?

Your “why” will keep you going when things get hard or confusing.

2. Pick a Beginner-Friendly App

You don’t need a fancy stockbroker. These platforms are beginner-friendly:

Look for:
Fractional shares
No minimum investment
Educational tools

3. Start with ETFs or Index Funds

If you’re scared of picking the “wrong” stock, start with ETFs like:

• S&P 500 ETF (e.g., VOO, SPY) – includes 500 top US companies
• All-World ETF (e.g., VWRA) – invests in global companies
• Dividend ETFs – pay you passive income regularly

These funds give you instant diversification, meaning you’re not putting all your eggs in one basket.

4. Set a Budget: Start Small but Consistent

You don’t need thousands. Start with what you can.

Examples:

• $25/week = $100/month = $1,200/year
• $10 every payday = $20/month = $240/year

Consistency is more important than the amount.

5. Take a Beginner-Friendly Course

If you want a guided path, I highly recommend: This is what changed my life – and it could change yours too.

Sara Finance’s Stock Market Course for Beginners

Why I love it:

• Made by a woman who started with $0
• Explains everything in simple English
• Lifetime access + updates

It gave me the confidence to take action instead of just reading and waiting.

6. Set Up Auto-Investing

Automation = fewer decisions = more results.

Set up:

• Monthly auto-deposits
• Auto-invest in your chosen ETF
• Reinvest dividends

This way, your portfolio grows while you sleep.

7. Track Your Progress (Without Obsessing)

Check your portfolio once a month — not every day. The market goes up and down, but staying in is the key to winning.

What I wish I knew sooner

• You won’t get rich overnight.
• Time in the market beats timing the market.
• Your mindset matters more than your money.
• Don’t follow hype. Do your own research first.
• You’re not “too late.” The best time to start is now.

Extra Tips for Women Starting Out

• Talk about money with your friends — normalize it
• Invest in yourself too: books, courses, mentorship
• Track your net worth (monthly or quarterly)
• Avoid consumer debt — it kills your progress
• Celebrate your wins (even $5 in dividends!)

Words from Other Women

“I never thought I’d invest — I was scared. But your blog made it feel real and doable. I bought my first ETF last month!” – Amina, 22

“I always thought I needed €1,000 to start. Turns out I could start with €10. Thank you for opening that door.” – Farah, 26

You’re not alone. There’s a quiet army of women just like you — learning, growing, and building financial freedom one small step at a time.

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FAQ: Stock Market for Beginners in 2025

❓ Can I lose all my money in stocks?

Answer: It’s possible, but very rare if you’re investing in diversified ETFs and not putting all your money into one risky stock.

❓ Is it halal to invest in stocks?

Answer: Many scholars say yes, as long as the company’s business model is halal (no alcohol, gambling, interest-based banks, etc.). There are also halal ETFs you can explore.

❓ How often should I invest?

Answer: Weekly or monthly, whatever fits your budget. The key is consistency.

❓ What happens if the stock market crashes?

Answer: Stay calm and don’t panic-sell. Historically, markets always recover. Crashes are temporary — wealth is built by holding long-term.

❓ What if I don’t understand the stock market?

Answer: That’s okay! Start by learning one new thing a week. Take a beginner course and follow blogs like this one — you’ll learn fast.

Little pep: You Deserve Financial Freedom!

You don’t need to be perfect. You just need to be willing.

Start small. Keep learning. Stay consistent.

One year from now, you’ll thank yourself.

“I’m building a future I don’t need to escape from.”
Make this your new mantra.

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