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nicoleclowes

💖✨ mermaid bandit 💖✨

punpkinpi

mindie-arts

Bluey scenes redraw practice 😭💙✨

Well hello hello it’s been a while 😭 I’ve been pretty busy but here’s a thing I’ve been working on

recommendedtoelle

Budgeting

You Need a Budget

On payday, add paycheck into “To Be Budgeted”

Give every dollar a job: start with essentials like groceries and bills

For fun expenses like going out to eat, include these as part of your monthly budget; use a prepaid Visa like KOHO and transfer over your set amount each month

Open a High Yield Savings Account

Ally Bank

Capital One

Automate an amount to set aside for short term goals like travel or an upcoming downpayment

Automate your bills with the service company or your bank

Set aside an emergency fund

Automatic savings transfer

Zero-based budget

Debt avalanche

Pay the minimums on all of your debt except for the debt with the highest interest rate

Put extra $$ toward the highest interest rate debt

Refinance Debt to a 0% APR Credit Card

Make sure there aren’t annual or sign on fees

Make sure they allow balance transfers and find out the fee before applying (both the old and the new card)

Do the math to make sure the fees are worth it

Creating a Budget

Write down how much you make and how often you get paid, how much $$ in checking, how much in savings, and ow much debt you have

Write down fixed expenses: rent, utilities, internet, insurance, Spotify, Amazon prime, loans, etc.

List variable expenses: estimates of gas, food, groceries, fun, misc.

List sinking funds: car repairs, medical, holidays, technology

Zero-based budget: give every dollar a job

Add total variable and fixed expenses to get a monthly total and determine how much you have left for sinking funds

Staying Motivated to Pay Off Debt

Give yourself fun money

Use visual trackers

Make small, sustainable changes to your budget

Start a savings challenge

Money-Saving Apps

GetUpside (gas)

Investing

Roth IRA: low fee index funds, invest $300/mo starting at age 25

Tax Deductions

1098E: can deduct if you pay more than $600 in student loan interest per year

Income Streams

Profit income: side hustle

Investing: dividend income and capital gains

Royalty income (something you sold)

Earned income: full time job

Interest income

Side Hustle

Studypool

Goals

Save $500/mo or more for retirement

At least 10% of my paycheck goes to savings

50/30/20

50% for needs like rent and food

30% for wants

20% for debt repayments and savings

Retirement

Withdraw up to 4% of investments yearly to save enough for retirement

Annual expenses * 25 = amount needed for retirement

Accounts to Have

Bill payment account

Daily spending/allowances

High yield short term savings account

Long term savings

helenestica

Waiting for the rain to stop 🌧️

Wouldn't mind if it stayed a bit longer

liriosbellos

casssart

base colors done ✔️

i posted a video and legit got one view and the view is me from my other account lmao why am i pathetic

artwolfaja

Baby Luka

stillstudies

new year, new quarter, new space! dorming as a junior came with its downsides; but as a first-year, out-of-state student, my options were pretty limited. I think I’ve finally gotten to a cozy and inviting place when it comes to my dorm, and I’m really lucky to have this space. our dorm doesn’t get a lot of natural light (and during the winter it’s exceptionally worse); so I decided that I wanted to add some bright pieces like photos of my friends/family, posters, art, and pillows to brighten up the space. here’s a teeny tiny look!

when you’re living away from home or on campus, it’s so important that the space you come home to and spend the most time in is comfortable and inspires your creativity.

art/posters are thrifted or compiled from travels; gold sunburst mirror is thrifted; brown leather mini backpack is from fossil; galaxy tote bag is from the leonardo da vinci museum in milan, italy.

mypoorlilgayheart

Bon appetit

ninelro

Felt Christmas ornaments inspiration https://youtu.be/Lik2yFtMRHA

tolackcolour

Orders are packed up! Now for hopefully getting some painting done.

barberwitch

Yule Goat Ornaments Updated December 2018

I was asked to make a tutorial on how I make my felted Yule goat ornaments!

Yule goats are a part of the season in part their durability. Many times during the harsh winters of yore, the cows wouldn’t produce milk during the winter’s while goats would. Not only that, but the nature of the goat eating pretty much anything to survive meant that even if hay had run out, a family could still feed the goat from their stores and from their compost heap, even scraps from the table and cooking and would still produce milk. The Yule goat has become a symbol of strength, perseverance and one of blessing, staving off the harsh realities that winter can impose.

Step 1: Make you guide out of cardboard or sturdy paper. If you would like to print off the template, I made a quick google doc. Step 2: Lay on piece of doubled felt and cut along outline. Step 3: Tie a knot on end of embroidery floss and pull through one side right at the neck. Step 4: This isn’t really step, but make sure that the side where the knot is will be the inside of the Yule goat to hide the knot. Step 5: Bring both side together and use a whip stitch to loop along the edges from the neck forward and all along there whole thing until just past the tail. They don’t have to be super close together, but try and keep the distance uniform and tight. Step 6: Leave enough room to put stuffing in the goat using a chopstick, wooden skewer etc. You can also add in herbs, spices, crystals, sigils, or written petitions inside. Step 7: Once it is full of stuffing, finish sewing up the back to your first knot and tie off a knot to keep it from unraveling. Step 8: (optional) if you have enough excess, wrap the remaining floss around the neck until you have a just enough to tie a little bow. I usually tie the bow facing whichever side I designate at the front. Step 9: Using black thread, or even a small seed bead, you can sew on an eye. If you want to decorate the goat more, use thin ribbon or trim and decorate to your style, trying to sew it in place with minimal stitches to avoid making bulges in the stuffed goat. Step 10: Sew a small loop from the horn, pinch it in place to see what part is balanced, and sew the loop there.

These ornaments are pretty cheap to make and once you get the hang of it, you can make a bunch. Supplies include: Felt, needle and embroidery floss, stuffing, and optional decoration and supplies listed in step 6.

Merry Yuletide!

🦇Cheers, Barberwitch

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This post is not meant for terfs, or nazi’s. I see an uptick every winter of them reblogging this.