#Managing a budget | Explore Tumblr posts and blogs

pjakes · 19 days ago

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Ten Ways to Bulletproof Your Budget

Managing personal finances can be challenging in today’s fast-paced world. However, you can bulletproof your budget with a few strategic moves and ensure financial stability. Here are ten ways to fortify your financial plan: 1. **Embrace the 50/30/20 Rule**: Allocate 50% of your income to needs, 30% to wants, and 20% to savings and debt repayment. 2. **Track Your Spending**: Keep an eye on…

#Budget #budgeting #Bulletproofing a budget #Bulletproofing your budget #Fortifying a budget #Fortifying personal finances #Fortifying your budget #Managing a budget #Managing personal finances #Managing your budget

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wonnieaura · 9 months ago

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financial knowledge for the girlies 🤍🍓💸

Develop a budget: Creating and sticking to a budget can help you better understand your income and expenses, and learn how to prioritize your spending.

Save regularly: Saving money is crucial for achieving financial stability. You can set up automatic transfers to a savings account so you won't be tempted to spend the money.

Pay off debt: High-interest debt can hinder your financial progress. Make a plan to pay off your debts and focus on high-interest debts first.

Invest wisely: Investing can help your money grow over time. Look for low-cost index funds, which can give you broad exposure to the market at a low cost.

Understand compound interest: Compound interest is the interest you earn on interest. By investing consistently, the power of compound interest can help you build wealth over time.

Research before making big financial decisions: Before making a major decision, such as buying a house or car, research different options and weigh the costs and benefits.

Learn from your mistakes: Every failure or setback can teach you something valuable. Use these experiences to inform your future financial decisions.

Get professional advice: Seek advice from a financial advisor if you're unsure about your financial decisions. They can provide guidance on investments, retirement planning, and tax strategies.

Be aware of scams: Scammers can take advantage of financial illiteracy. Be cautious when someone offers an investment that's too good to be true.

Continuous learning: Financial knowledge is constantly changing, so stay informed by regularly reading financial news, books, and attending classes or webinars.

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relaxedstyles · 3 months ago

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dickfuckk · 2 years ago

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Every time i tell people i buy groceries every 14 days they seem shocked by this and tell me they buy groceries every day or several times a week.

That in turn blows my mind, as someone who couldn’t possibly hate buying groceries more than i do, i can’t imagine doing it that often.

Bonus if you tell me in the tags how you feel about shopping for groceries. Do you hate it with a passion like me? Feel indifferent to it, just another chore? Or do you somehow love it?

#poll #i do it every 14 days to save money tbh lmao #if i had a comfortable budget i might do it once a week #but honestly every 14 days works so well #it’s rare enough that i can enjoy 14 days of peace #but not so far between that the food goes bad before i manage to use it #it’s just the perfect amount

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why-the-heck-not · 11 months ago

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20.12.23, wednesday

My main hobby is just procrastinating in any way I can. The plan was to make a cup of coffee and then start working. What actually happened is that I watched a 3 part video series (by james hoffmann ofc) on Aeropress coffee and made a few cups with different variables. Still not sure if I found The Recipe for me, but it’s getting better (tho I don’t love the coffee beans I have)

#altho i’m not sure I agree that inverted method is not worth the risks #maybe I just pour my water in too slow (bc I get nervous abt pouring too much) but there’s a fair bit of liquid that manages to get through #before I can place the vacuum on there #so I did it with inverted method #what I took from his recipe was the swirling instead of stirring and letting it rest for 30secs after to get a more even bed of coffee #I did 14g of coffee & 200g of water with a 5min brew -> swirl -> another 30seconds of letting it rest before pressing gentlyy for like 20-3 #seconds #but idk it’s a bit ’’one note’’#which could be the beans #I have medium roast rn and I prefer light roast but the light roast beans have been no where to be found lately idk why #(there aren’t many actual light roast beans and the other ones are waay out of my budget)#(or at least good ones; there’s the one affordable light roast that’s everywhere but I don’t like it that much (but tbf should’ve still #bought that instead of these ones I got))#like this is still way better than what the drip coffee of those beans are #and the achilles heel is that I don’t have a thermometer of any kind so my water temperature is guesswork every time #so tweaking variables is always a bit sketchy bc idk if I just had a better water temperature that time #studyblr #booklr #aesthetic #bookblr #books #study #reading #read #book #coffee #2023 #december 2023

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hellenhighwater · 1 year ago

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Hmm....how hard can large scale mosaic possibly be? I feel like my plans for the room I'm working on could use something really shiny and impactful and maybe I want to make a fold-down cutting table and maybe I want to do it out of mosaic, even though that will be ungodly heavy.

It's a fun idea. I'm not sure if it's a good idea.

I haven't done mosaic since a one-off high school art class but I feel like the component skills are ones I already have, sooooo....

I have been keeping to a blue and gold celestial theme for both my guest room and my art workspaces, because if and when I move those spaces are likely to be combined. Cutting table, even though it would be for a different room, falls in the same vein, so I'm thinking something with a nice dark night sky and maybe some branches or leaves...

#if nothing else #I am likely to bleed less on my project than I did on the one in high school.#i sliced my arm open and bled profusely and never quite got all of it out #the third bedroom in my house is basically a junk room rn because the layout is awful #and i have been rotating that room in my head for weeks trying to see how it fits together in a functional way #it's going to still be storage but also my digital workspace/home for my modern tools #aka four ink printers #the laminator the 3d printer the laser engraver the cutting mats the paper storage #and also random crap like luggage and wrapping paper.#i think im settling on a library/bindery vibe #so loooots of built ins.#on a budget level i cannot afford to start this room for a while yet #and the same is also true on a time management scale #but for each project like this I tend to prefer to have everything fully realized in my head before i start #so im doing that now #mentally putting together lumber cut lists and figuring out if im going to have to buy a jigsaw

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rickybaby · 5 months ago

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He was actually acting his ass off

#I wonder if all the drivers get paid to be involved in the background #would explain the 300mil budget because they all probably sent their managers to discuss royalties and fees #fernando alonso #f1

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legionofpotatoes · 1 month ago

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star wars outlaws

#star wars outlaws #kay vess #nix #did a brief detour into this game it isn't bad! but certainly lacks in polish for core loops. tutorialization pipelines are ass also #performance - also ass. had to play quality on ps5 for it to have any clarity at all. but the open world is gorgeous #and it certainly nails the very narrow target of horse girl star wars fantasy (ripping across tatooine on a speeder with a little Guy)#nix is everything I love him. modern star wars rarely captivates me but they do know how to do lil guys real well #my photos #star wars #also-also. would be remiss not to mention. never played a game with unregulated scope creep this noticeable before. it's baffling #I KNOW people crunched on this it's in the walls in the floorboards it's everywhere. unmitigated hodge podge of mechanics and pillars #and those pillars are often unbalanced between each other. storytelling payloads are an issue too. there's pre-rendered in-engine cutscenes #real-time in-engine cutscenes. and digic-produced full CG cutscenes. and their placement and prioritization feels insane and inscrutable #like three different teams were working on the game at the same time and never in congress or coordination #it also suffers from the open world 4th and 5th priority narrative payload issues - many secondary and sometimes even primary questgiving #and expository dialogues are in-game zoomed camera lipsync exchanges. or flavor text #on the other hand - surprisingly deft mission design itself? side quests reward either cosmetics or actual unlockable deployable skills #it has fleeting genes of a metroidvania spread across a wide open world in that sense. but only fleeting. the rep system is a smokescreen #and progression in general has a very open and unsatisfying end to it. this game needed less scope and maybe no space stuff at all #the resulting resource allocation adjustment would truly make for a captivating open world adventure. as it stands it feels like #a product of overworked people misusing mismanaged budgets and managing to sprinkle some love into it regardless #games should never be good on the merit of their perceivable seasoning of overwork and passion. that really only bakes a sadness cake

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lovesodeepandwideandwell · 2 months ago

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Besties give me a diplomatic phrasing to communicate "if I leave for the evening and tell you roughly when I'll be back and text 20 minutes before I'm home on your request, please be done having screaming sex by the time I'm home"

#this is the third time i've walked in and like #ok to be fair i said before they got married that i wouldn't be uncomfortable if they're not uncomfy with me hearing #but i feel like that's a fair boundary to change #esp given. the screaming #i just need the words to say that a) minimize awkwardness #b) avoid the implication that i'm trying to curtail their sex life #i'm happy for them to have sex! that isn't audible from the front porch!!!#i guess the other part that feels weird is the whole point of spending nights away is so they can be comfortable having sex #without me around #which is a huge drain on my energy and sleep and time management and heck even gas budget #but if they're totally fine having sex when i'm out of the house for an hour as on book club night?#and if they wait til i'm on my way home after being gone for 4 hours?#why am i doing that??#i'm SORRY i'm talking so much about my roommates having sex #it's very present in my life #just be glad you follow me now and not 6 years ago when i lived with julie and she picked up trevis on tinder #and had him over across the hall from poor little fresh out of evangelical college me #(yes trevis. pronounced like crevice. or trellis.)

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justinspoliticalcorner · 21 hours ago

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Lisa Needham at Public Notice:

As soon as Trump won the election, Republicans immediately declared he had a mandate to do whatever he wanted. Florida Rep. Byron Donalds, for example, said Trump’s win showed that “it is the Trump agenda that the American people overwhelmingly wants.” But what, exactly, did the American people signal they wanted? With lots of help from the media, Trump spent the campaign pretending that the hyper-conservative and deeply unpopular Project 2025 agenda was not the blueprint for his second term. So it’s pretty rich now for Republicans to claim that a vote for Trump is a vote for whatever he decides he wants to do. And make no mistake — what Trump wants to do is Project 2025.

Before digging into the steps Trump is taking to force the worst of Project 2025’s personnel and policies on the country, let’s tackle that whole mandate question first. Besides the fact that the Trump campaign deliberately obscured some of its most consequential policy goals to win votes, there’s the fact that his victory is proving far less decisive than it initially appeared. As votes have continued to be counted, Trump’s popular vote margin is going to be less than two percent, smaller than Hillary Clinton’s popular vote win in 2016 and in fact the smallest popular vote margin since 2000. Declaring you have a mandate doesn’t make it so, but it is The Republican Way going back to George W. Bush. Back to Project 2025. Despite lying about it throughout the campaign, Trump wasted no time appointing several of the project’s authors to key positions in his new administration. Because they’ve been steeped in hypocrisy for so long, Republicans see nothing odd about Trump embracing Project 2025 after feigning a complete lack of familiarity and having called it “ridiculous and abysmal.” Project 2025 co-author Russ Vought, who led the Office of Management and Budget (OMB) during Trump’s first term, got caught on tape saying the quiet part out loud during the campaign when he told undercover reporters to trust that Trump would implement a national abortion ban if he returned to power, despite his public statements to the contrary. But far from being rapped on the knuckles for linking Trump to a stance he ostensibly opposed, Vought has been rewarded by getting his old OMB job back.

Besides being one of Trump’s abortion-whisperers, Vought is going to be instrumental in executing Trump’s plan to strip federal workers of job protections and replace them with hard-right partisans who see their only job as executing Trump’s wishes. Vought won’t stop there, though. He’s said we’re living in a “post-constitutional” time, which for Vought apparently means that Trump gets to turn the military on protestors and to cut spending whether Congress agrees or not. If this sounds to you a lot like an imperial presidency, of deforming the whole of the federal government to make it solely a weapon to implement Trump’s desires, you’re not wrong. And Vought is by no means alone in being one of the Project 2025 denizens who Trump is ushering into high-level government positions.

[...]

If nothing but these few Project 2025 goals were achieved, we’d have a radically partisan and unstable federal workforce, media regulation driven by which companies show the most allegiance to Trump, public schools that are more starved of funding than ever, decreased oversight of colleges and universities, and Medicaid that would be harder to obtain and keep. Trump has no mandate for these things because he not only didn’t campaign on them but he denied any link with Project 2025 at all. But because of the trifecta voters gave Republicans, they are likely to happen nonetheless. Democrats spent months trying to highlight the links between Project 2025 and Trump, only to have both sides of that equation and some mainstream media outlets insist it was fearmongering to make those connections. It wasn’t, and it isn’t. Project 2025 was always the blueprint for a second Trump administration, and these appointments are just the beginning.

Donald Trump sold a lot of his voters a bad bill of goods, and his supporters falsely insinuate that a majority of the country supports the Orange Felon and Project 2025’s agendas.

#Project 2025 #Russ Vought #Donald Trump #Trump Administration #Trump Administration II #Office of Management and Budget #Brendan Carr #Schedule F #Thomas Homan #Sanewashing

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licoricelump · 1 year ago

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they be recruiting anyone into the clan except a therapist

#the budget used to run the Cyberization initiative could have been sufficed to afford quality therapy for everyone in that clan istg #frost needs anger management class and a restraining order #mk sektor #mk cyrax #mk bi han #mk kuai liang #mk lin kuei #smoke mk #mk frost #lin kuei

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swagging-back-to · 2 months ago

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it should be a cut and dry case if you go to a restaurant and get glutened by them. and by case i mean criminal. not just suing for damages and distress.