#finance 2025

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𝐻𝑂𝑊 𝑇𝑂 𝐺𝐿𝑂𝑊 𝑈𝑃- 2𝑁𝐷 𝑄𝑈𝐴𝑅𝑇𝐸𝑅

𝑁𝑜 𝑀𝑜𝑟𝑒 𝐸𝑥𝑐𝑢𝑠𝑒𝑠. 𝐼𝑡'𝑠 𝑇𝑖𝑚𝑒 𝑡𝑜 𝐺𝑒𝑡 𝐼𝑡 𝑇𝑜𝑔𝑒𝑡ℎ𝑒𝑟.

𝐿𝑒𝑡'𝑠 𝑏𝑒 𝑟𝑒𝑎𝑙, 𝑖𝑓 𝑦𝑜𝑢'𝑟𝑒 𝑛𝑜𝑡 𝑎𝑐𝑡𝑖𝑣𝑒𝑙𝑦 𝑤𝑜𝑟𝑘𝑖𝑛𝑔 𝑜𝑛 𝑖𝑚𝑝𝑟𝑜𝑣𝑖𝑛𝑔 𝑦𝑜𝑢𝑟 𝑙𝑖𝑓𝑒, 𝑦𝑜𝑢'𝑟𝑒 𝑗𝑢𝑠𝑡 𝑤𝑎𝑠𝑡𝑖𝑛𝑔 𝑦𝑜𝑢𝑟 𝑡𝑖𝑚𝑒. 𝐴 𝑔𝑙𝑜𝑤-𝑢𝑝 𝑖𝑠𝑛'𝑡 𝑗𝑢𝑠𝑡 𝑎𝑏𝑜𝑢𝑡 𝑙𝑜𝑜𝑘𝑖𝑛𝑔 𝑔𝑜𝑜𝑑 ; 𝑖𝑡'𝑠 𝑎𝑏𝑜𝑢𝑡 𝑏𝑒𝑐𝑜𝑚𝑖𝑛𝑔 𝑎 𝑏𝑒𝑡𝑡𝑒𝑟 𝑣𝑒𝑟𝑠𝑖𝑜𝑛 𝑜𝑓 𝑦𝑜𝑢𝑟𝑠𝑒𝑙𝑓 𝑖𝑛 𝑒𝑣𝑒𝑟𝑦 𝑎𝑠𝑝𝑒𝑐𝑡- 𝑦𝑜𝑢𝑟 𝑚𝑖𝑛𝑑, ℎ𝑒𝑎𝑙𝑡ℎ, 𝑐𝑎𝑟𝑒𝑒𝑟, 𝑓𝑖𝑛𝑎𝑛𝑐𝑒𝑠, 𝑒𝑛𝑣𝑖𝑟𝑒𝑛𝑚𝑒𝑛𝑡, 𝑝𝑒𝑟𝑠𝑜𝑛𝑎𝑙 𝑔𝑟𝑜𝑤𝑡ℎ, 𝑎𝑛𝑑 𝑡𝑖𝑚𝑒 𝑚𝑎𝑛𝑎𝑔𝑒𝑚𝑒𝑛𝑡.

𝑌𝑜𝑢 𝑔𝑒𝑡 𝑓𝑜𝑢𝑟 𝑞𝑢𝑎𝑟𝑡𝑒𝑟𝑠 𝑎 𝑦𝑒𝑎𝑟. 𝑇ℎ𝑎𝑡 𝑚𝑒𝑎𝑛𝑠 𝑦𝑜𝑢 ℎ𝑎𝑣𝑒 𝑛𝑜 𝑒𝑥𝑐𝑢𝑠𝑒 𝑛𝑜𝑡 𝑡𝑜 𝑖𝑚𝑝𝑟𝑜𝑣𝑒 𝑎𝑡 𝑙𝑒𝑎𝑠𝑡 𝑡𝑤𝑜 𝑎𝑟𝑒𝑎𝑠 𝑒𝑣𝑒𝑟𝑦 𝑡ℎ𝑟𝑒𝑒 𝑚𝑜𝑛𝑡ℎ𝑠. 𝐼𝑓 𝑦𝑜𝑢 𝑐𝑎𝑛'𝑡 𝑐𝑜𝑚𝑚𝑖𝑡 𝑡𝑜 𝑡ℎ𝑎𝑡, 𝑑𝑜𝑛'𝑡 𝑐𝑜𝑚𝑝𝑙𝑎𝑖𝑛 𝑎𝑏𝑜𝑢𝑡 𝑏𝑒𝑖𝑛𝑔 𝑠𝑡𝑢𝑐𝑘.

𝐴𝑃𝑅𝐼𝐿-𝑀𝐴𝑌-𝐽𝑈𝑁𝐸

𝐺𝐸𝑇 𝑆𝐸𝑅𝐼𝑂𝑈𝑆 𝑂𝑅 𝑆𝑇𝐴𝑌 𝑇𝐻𝐸 𝑆𝐴𝑀𝐸

✰ 𝐶ℎ𝑜𝑜𝑠𝑒 2 𝑎𝑟𝑒𝑎𝑠 𝑜𝑓 𝑦𝑜𝑢𝑟 𝑙𝑖𝑓𝑒 𝑡ℎ𝑎𝑡 𝑛𝑒𝑒𝑑 𝑤𝑜𝑟𝑘 (𝑦𝑒𝑠, 𝑎𝑐𝑡𝑢𝑎𝑙𝑙𝑦 𝑐ℎ𝑜𝑜𝑠𝑒).

✰ 𝑆𝑒𝑡 3 𝑐𝑙𝑒𝑎𝑟 𝑎𝑐𝑡𝑖𝑜𝑛 𝑠𝑡𝑒𝑝𝑠 𝑓𝑜𝑟 𝑒𝑎𝑐ℎ. 𝑁𝑜 𝑣𝑎𝑔𝑢𝑒 "𝐼'𝑙𝑙 𝑇𝑟𝑦" 𝑛𝑜𝑛𝑠𝑒𝑛𝑠𝑒.

✰ 𝑇𝑟𝑎𝑐𝑘 𝑦𝑜𝑢𝑟 𝑝𝑟𝑜𝑔𝑟𝑒𝑠𝑠 (𝑎 ℎ𝑎𝑏𝑖𝑡 𝑡𝑟𝑎𝑐𝑘𝑒𝑟 𝑜𝑟 𝑗𝑜𝑢𝑟𝑛𝑎𝑙 𝑤𝑜𝑟𝑘𝑠 𝑏𝑒𝑠𝑡!)

✰ 𝑆ℎ𝑜𝑤 𝑢𝑝 𝑒𝑣𝑒𝑟𝑦 𝑑𝑎𝑦. 𝑁𝑜𝑡 𝑗𝑢𝑠𝑡 𝑤ℎ𝑒𝑛 𝑦𝑜𝑢 𝑓𝑒𝑒𝑙 𝑚𝑜𝑡𝑖𝑣𝑎𝑡𝑒𝑑.

✰ 𝑅𝑒𝑤𝑎𝑟𝑑 𝑦𝑜𝑢𝑟𝑠𝑒𝑙𝑓- 𝐵𝑢𝑡 𝑜𝑛𝑙𝑦 𝑖𝑓 𝑦𝑜𝑢 𝐸𝐴𝑅𝑁 𝑖𝑡

𝑇𝑖𝑝: 𝑇𝑟𝑎𝑐𝑘 𝑡ℎ𝑒 𝑡𝑖𝑚𝑒𝑠 𝑦𝑜𝑢 𝑎𝑙𝑚𝑜𝑠𝑡 𝑔𝑎𝑣𝑒 𝑢𝑝, 𝑎 𝑣𝑖𝑠𝑖𝑏𝑙𝑒 𝑐ℎ𝑎𝑟𝑡 𝑖𝑠 𝑏𝑒𝑠𝑡. 𝑇ℎ𝑖𝑠 𝑖𝑠 𝑗𝑢𝑠𝑡 𝑎 𝑟𝑒𝑚𝑖𝑛𝑑𝑒𝑟 𝑡ℎ𝑎𝑡 𝑦𝑜𝑢 𝑎𝑟𝑒 𝑑𝑜𝑖𝑛𝑔 𝑔𝑟𝑒𝑎𝑡 𝑎𝑛𝑑 𝑖𝑡 𝑚𝑜𝑡𝑖𝑣𝑎𝑡𝑒𝑠 𝑦𝑜𝑢 𝑡𝑜 𝑘𝑒𝑒𝑝 𝑔𝑜𝑖𝑛𝑔!

𝐶𝐻𝑂𝑂𝑆𝐸 𝑌𝑂𝑈𝑅 𝐴𝑅𝐸𝐴𝑆 𝑂𝐹 𝐼𝑀𝑃𝑅𝑂𝑉𝐸𝑀𝐸𝑁𝑇

𝐻𝑒𝑟𝑒 𝑎𝑟𝑒 𝑠𝑜𝑚𝑒 𝑖𝑑𝑒𝑎𝑠 𝑡𝑜 ℎ𝑒𝑙𝑝 𝑦𝑜𝑢 𝑑𝑒𝑐𝑖𝑑𝑒:

𝐶𝑎𝑟𝑒𝑒𝑟 𝐺𝑜𝑎𝑙𝑠 - 𝐿𝑒𝑣𝑒𝑙 𝑈𝑝 𝑃𝑟𝑜𝑓𝑒𝑠𝑠𝑖𝑜𝑛𝑎𝑙𝑙𝑦

𝑁𝑒𝑔𝑜𝑡𝑖𝑎𝑡𝑒 𝑎 𝑟𝑎𝑖𝑠𝑒 𝑜𝑟 𝑝𝑟𝑜𝑚𝑜𝑡𝑖𝑜𝑛 - 𝑆𝑒𝑡 𝑢𝑝 𝑎 𝑚𝑒𝑒𝑡𝑖𝑛𝑔 𝑤𝑖𝑡ℎ 𝑦𝑜𝑢𝑟 𝑏𝑜𝑠𝑠.

𝑈𝑝𝑔𝑟𝑎𝑑𝑒 𝑦𝑜𝑢𝑟 𝑠𝑘𝑖𝑙𝑙𝑠 - 𝑇𝑎𝑘𝑒 𝑎𝑛 𝑜𝑛𝑙𝑖𝑛𝑒 𝑐𝑜𝑢𝑟𝑠𝑒 𝑜𝑟 𝑎𝑡𝑡𝑒𝑛𝑑 𝑎 𝑤𝑜𝑟𝑘𝑠ℎ𝑜𝑝.

𝐽𝑜𝑏 𝑠𝑒𝑎𝑟𝑐ℎ - 𝐼𝑓 𝑦𝑜𝑢'𝑟𝑟 𝑢𝑛ℎ𝑎𝑝𝑝𝑦, 𝑒𝑥𝑝𝑙𝑜𝑟𝑒 𝑛𝑒𝑤 𝑜𝑝𝑝𝑜𝑟𝑡𝑢𝑛𝑖𝑡𝑖𝑒𝑠.

𝐸𝑥𝑝𝑎𝑛𝑑 𝑦𝑜𝑢𝑟 𝑛����𝑡𝑤𝑜𝑟𝑘 - 𝐶𝑜𝑛𝑛𝑒𝑐𝑡 𝑤𝑖𝑡ℎ 𝑚𝑒𝑛𝑡𝑜𝑟𝑠 𝑜𝑟 𝑖𝑛𝑑𝑢𝑠𝑡𝑟𝑦 𝑝𝑟𝑜𝑓𝑒𝑠𝑠𝑖𝑜𝑛𝑎𝑙𝑠.

𝑆𝑒𝑡 𝑤𝑜𝑟𝑘-𝑙𝑖𝑓𝑒 𝑏𝑜𝑢𝑛𝑑𝑎𝑟𝑖𝑒𝑠 - 𝑃𝑟𝑜𝑡𝑒𝑐𝑡 𝑦𝑜𝑢𝑟 𝑚𝑒𝑛𝑡𝑎𝑙 ℎ𝑒𝑎𝑙𝑡ℎ.

𝐹𝑖𝑛𝑎𝑛𝑐𝑒𝑠 - 𝑆𝑒𝑐𝑢𝑟𝑒 𝑇ℎ𝑒 𝐵𝑎𝑔

𝑅𝑒𝑣𝑖𝑒𝑤 𝑙𝑎𝑠𝑡 𝑚𝑜𝑛𝑡ℎ'𝑠 𝑒𝑥𝑝𝑒𝑛𝑠𝑒𝑠 - 𝐾𝑛𝑜𝑤 𝑤ℎ𝑒𝑟𝑒 𝑦𝑜𝑢𝑟 𝑚𝑜𝑛𝑒𝑦 𝑖𝑠 𝑔𝑜𝑖𝑛𝑔.

𝐶𝑟𝑒𝑎𝑡𝑒 𝑎 𝑟𝑒𝑎𝑙𝑖𝑠𝑡𝑖𝑐 𝑏𝑢𝑑𝑔𝑒𝑡 - 𝑆𝑡𝑖𝑐𝑘 𝑡𝑜 𝑎 𝑝𝑙𝑎𝑛 𝑡ℎ𝑎𝑡 𝑤𝑜𝑟𝑘𝑠 𝑓𝑜𝑟 𝑦𝑜𝑢.

𝑈𝑠𝑒 𝑠𝑒𝑝𝑎𝑟𝑎𝑡𝑒 𝑐𝑎𝑟𝑑𝑠/𝑎𝑐𝑐𝑜𝑢𝑛𝑡�� 𝑡𝑜 𝑚𝑎𝑛𝑎𝑔𝑒 𝑠𝑝𝑒𝑛𝑑𝑖𝑛𝑔.

𝐵𝑖𝑙𝑙𝑠 - 𝑜𝑛𝑙𝑦 𝑐𝑎𝑟𝑑.

𝐵𝑢𝑑𝑔𝑒𝑡𝑒𝑑 𝑠𝑝𝑒𝑛𝑑𝑖𝑛𝑔 𝑐𝑎𝑟𝑑.

𝑆𝑎𝑣𝑖𝑛𝑔𝑠 𝑎𝑐𝑐𝑜𝑢𝑛𝑡.

𝑆𝑡𝑎𝑟𝑡 𝑆𝑎𝑣𝑖𝑛𝑔! - 𝐸𝑣𝑒𝑛 𝑠𝑚𝑎𝑙𝑙 𝑎𝑚𝑜𝑢𝑛𝑡𝑠 𝑚𝑎𝑡𝑡𝑒𝑟.

𝐶𝑎𝑛𝑐𝑒𝑙 𝑢𝑛𝑛𝑒𝑐𝑒𝑠𝑠𝑎𝑟𝑦 𝑠𝑢𝑏𝑠𝑐𝑟𝑖𝑝𝑡𝑖𝑜𝑛𝑠 - 𝐶𝑢𝑡 𝑜𝑢𝑡 𝑤ℎ𝑎𝑡 𝑦𝑜𝑢 𝑑𝑜𝑛'𝑡 𝑢𝑠𝑒.

𝑃𝑎𝑦 𝑏𝑖𝑙𝑙𝑠 𝑜𝑛 𝑡𝑖𝑚𝑒 - 𝐴𝑣𝑜𝑖𝑑 𝑙𝑎𝑡𝑒 𝑓𝑒𝑒𝑠.

𝐶𝑜𝑜𝑘 𝑎𝑡 ℎ𝑜𝑚𝑒 - 𝑆𝑎𝑣𝑒 𝑚𝑜𝑛𝑒𝑦 𝑎𝑛𝑑 𝑒𝑎𝑡 ℎ𝑒𝑎𝑙𝑡ℎ𝑖𝑒𝑟.

𝑃𝑅𝐴𝐶𝑇𝐼𝐶𝐸 𝐺𝑂𝐴𝐿 𝑆𝐸𝑇𝑇𝐼𝑁𝐺 - 𝑇𝐻𝐸 𝑅𝐼𝐺𝐻𝑇 𝑊𝐴𝑌

𝑆𝑒𝑡𝑡𝑖𝑛𝑔 𝑔𝑜𝑎𝑙𝑠 𝑐𝑎𝑛 𝑓𝑒𝑒𝑙 𝑜𝑣𝑒𝑟𝑤ℎ𝑒𝑙𝑚𝑖𝑛𝑔, 𝑏𝑢𝑡 𝑠𝑖𝑚𝑝𝑙𝑖𝑐𝑖𝑡𝑦 𝑖𝑠 𝑘𝑒𝑦.

✰ 𝑃𝑖𝑐𝑘 𝑗𝑢𝑠𝑡 2 𝑓𝑜𝑐𝑢𝑠 𝑎𝑟𝑒𝑎𝑠 𝑡ℎ𝑖𝑠 𝑞𝑢𝑎𝑟𝑡𝑒𝑟 - 𝑑𝑜𝑛'𝑡 𝑜𝑣𝑒𝑟𝑙𝑜𝑎𝑑 𝑦𝑜𝑢𝑟𝑠𝑒𝑙𝑓.

✰ 𝐵𝑟𝑒𝑎𝑘 𝑖𝑡 𝑑𝑜𝑤𝑛 - 𝐶ℎ𝑜𝑜𝑠𝑒 2 𝑠𝑚𝑎𝑙𝑙 𝑠𝑡𝑒𝑝𝑠 𝑝𝑒𝑟 𝑚𝑜𝑛𝑡ℎ

✰ 𝑈𝑠𝑒 𝑎 𝑝𝑙𝑎𝑛𝑛𝑒𝑟 𝑜𝑟 𝑗𝑜𝑢𝑟𝑛𝑎𝑙 𝑡𝑜 𝑡𝑟𝑎𝑐𝑘 𝑝𝑟𝑜𝑔𝑟𝑒𝑠𝑠.

✰ 𝐶ℎ𝑒𝑐𝑘 𝑜𝑓𝑓 𝑎𝑐𝑐𝑜𝑚𝑝𝑙𝑖𝑠ℎ𝑚𝑒𝑛𝑡 - 𝐶𝑒𝑙𝑒𝑏𝑟𝑎𝑡𝑒 𝑠𝑚𝑎𝑙𝑙 𝑤𝑖𝑛𝑠.

✰ 𝑅𝑒𝑤𝑎𝑟𝑑 𝑦𝑜𝑢𝑟𝑠𝑒𝑙𝑓 𝑒𝑣𝑒𝑟𝑦 𝑡𝑖𝑚𝑒 𝑦𝑜𝑢 𝑑𝑜𝑛'𝑡 𝑞𝑢𝑖𝑡!

𝑅𝐸𝑊𝐴𝑅𝐷 𝑌𝑂𝑈𝑅𝑆𝐸𝐿𝐹 𝐵𝐸𝐶𝐴𝑈𝑆𝐸 𝑌𝑂𝑈 𝐷𝐸𝑆𝐸𝑅𝑉𝐸 𝐼𝑇

𝑦𝑜𝑢 𝑎𝑟𝑒 𝑤𝑜𝑟𝑘𝑖𝑛𝑔 ℎ𝑎𝑟𝑑, 𝑎𝑛𝑑 𝑝𝑟𝑜𝑔𝑟𝑒𝑠𝑠 𝑑𝑒𝑠𝑒𝑟𝑣𝑒𝑠 𝑐𝑒𝑙𝑒𝑏𝑟𝑎𝑡𝑖𝑜𝑛! 𝐻𝑒𝑟𝑒 𝑎𝑟𝑒 𝑎 𝑓𝑒𝑤 𝑤𝑎𝑦𝑠 𝑡𝑜 𝑡𝑟𝑒𝑎𝑡 𝑦𝑜𝑢𝑟𝑠𝑒𝑙𝑓:

𝑆𝑝𝑎 𝐷𝑎𝑦 : 𝑅𝑒𝑙𝑎𝑥, 𝑢𝑛𝑤𝑖𝑛𝑑, 𝑎𝑛𝑑 𝑟𝑒𝑐ℎ𝑎𝑟𝑔𝑒.

𝐷𝑎𝑡𝑒 𝑁𝑖𝑔ℎ𝑡 : 𝑆𝑜𝑙𝑜 𝑜𝑟 𝑤𝑖𝑡ℎ 𝑎 𝑙𝑜𝑣𝑒𝑑 𝑜𝑛𝑒, 𝑒𝑛𝑗𝑜𝑦 𝑎 𝑛𝑖𝑐𝑒 𝑚𝑒𝑎𝑙.

𝑀𝑜𝑣𝑖𝑒 𝑁𝑖𝑔ℎ𝑡 : 𝐶𝑜𝑧𝑦 𝑢𝑝 𝑤𝑖𝑡ℎ 𝑦𝑜𝑢𝑟 𝑓𝑎𝑣𝑜𝑟𝑖𝑡𝑒 𝑓𝑖𝑙𝑚.

𝑆ℎ𝑜𝑝𝑝𝑖𝑛𝑔 𝑆𝑝𝑟𝑒𝑒 : 𝐵𝑢𝑦 𝑦𝑜𝑢𝑟𝑠𝑒𝑙𝑓 𝑠𝑜𝑚𝑒𝑡ℎ𝑖𝑛𝑔 𝑛𝑖𝑐𝑒 (𝑤𝑖𝑡ℎ𝑖𝑛 𝑏𝑢𝑑𝑔𝑒𝑡!)

𝐹𝐼𝑁𝐴𝐿 𝑅𝐸𝑀𝐼𝑁𝐷𝐸𝑅

𝐺𝑟𝑜𝑤𝑡ℎ 𝑖𝑠𝑛'𝑡 𝑎𝑏𝑜𝑢𝑡 𝑝𝑒𝑟𝑓𝑒𝑐𝑡𝑖𝑜𝑛- 𝑖𝑡'𝑠 𝑎𝑏𝑜𝑢𝑡 𝑝𝑟𝑜𝑔𝑟𝑒𝑠𝑠. 𝑆𝑡𝑎𝑦 𝑐𝑜𝑛𝑠𝑖𝑠𝑡𝑒𝑛𝑡, 𝑡𝑟𝑎𝑐𝑘 𝑦𝑜𝑢𝑟 𝑤𝑖𝑛𝑠, 𝑎𝑛𝑑 𝑟𝑒𝑚𝑒𝑚𝑏𝑒𝑟 : 𝐸𝑣𝑒𝑟𝑦 𝑠𝑚𝑎𝑙𝑙 𝑠𝑡𝑒𝑝 𝑎𝑑𝑑𝑠 𝑢𝑝 𝑡𝑜 𝑎 𝑏𝑖𝑔 𝑡𝑟𝑎𝑛𝑠𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛.

[histhoughtslately]

Budgeting isn’t about restrictions. It’s about empowerment.

#penniesfromheaven

[felinewanderer]

My focus/theme for the year of 2025:

Less is More.

My desire is to focus on being grateful for what I have and trying to break my terrible habit of wanting more. No more window shopping online, no more visiting store sites for "fun", no more tossing something because it has a scratch on it. Unless it is unusable, it will be cherished and used until it can no longer serve its purpose.

This goes for most consumables and long-term purchases. I want to be more purposeful with my purchases - I want to buy things that are good quality and meant to last. I don't want to be persuaded to buy something because it is an "upgrade" to what I already own.

I also want to fix the items I have and learn to repair them instead of simply tossing them without attempting to find out why it isn't working first.

I want to learn to be grateful for the things I have. I want to be more aware of my spending habits and what I already own. I want to be less of a consumer, honestly. In a reasonable matter.

[mindfulldsliving]

LDS Tithing Lawsuit: Financial Transparency, Community Trust, and the Stakes for Charitable Giving

A high-stakes court hearing this week has put the financial practices of the LDS Church under intense scrutiny. The allegations center on how tithing funds, donations, and investments have been used and reported, raising critical questions about financial transparency. This case matters, not just to members of the Church, but to anyone invested in the ethics and accountability of faith-based…

[rowenabean]

Twelve New Things: February

have I done my finances for December yet? no. but I am telling you about my new years resolutions, because we have priorities in this house

this month I have for you a twofer (threefer, possibly?) because I was all set to point to historical costuming and be done and then I made a comment to my sister about never having been on a road trip before and she was like "oh is that your February new thing?" so I guess it is not

1. Historical costuming

you've had all the details about the outfit already; the review as an activity is that it was fun to do a project that combined research (nerd time!) and sewing (craft time!). I enjoyed the process of figuring out what Authentically Historical might look like, and then deciding when I cared and when I was going to do something not-quite-authentic instead. Would do again, although probably only once or twice a year (I have a thing about making outfits that I'll wear at least a certain number of times...) and I'm definitely biased towards eras that I, personally, find attractive when I do. However... the quest is on for a good fine woven white/cream wool that I can dye and use for a more authentic outfit....

1b. Fingerloop braiding

this is a whole new craft that I had never heard of. Accurate decoration for Viking outfits was often with tablet woven or braided bands around the top. I sure as hell wasn't learning tablet weaving in 48 hours, but I thought I could try a braid. Fingerloop braiding was a surprisingly fast way of creating a braid; probably useful if I need a new shoelace and I only have yarn, can make a shoelace length in half an hour or so; made a reasonably nice trim; but I think it's going in the pile of crafts-I-use-if-a-project-demands not crafts-I-obsess-over (anyone else have these?)

2. Road trip!

I'm kinda surprised I've never been on a road trip of longer than 2 days! But I really haven't - I've only ever travelled to A Destination and then returned, the trip has been an ordeal to be endured (with greater or lesser endurance required depending on the company) not an end in itself. Realising that I had a two-week break before starting study and work at aroudn the same time, I decided on a whim to take off for a part of the country I'd never spent time in, bringing my sister along for the ride. The trip encompassed mountains, rivers and beaches, with a fortuitous meeting up with another sister and her partner along the way.

The review: I enjoyed it, but we set up and took down our tent a LOT, and I couldn't quite suppress the feeling that this was my scouting trip for the Real Holiday I might take next time. But we saw a fair few bits of NZ I've never seen before - and one of the wins was a national park my sister googled the night before, which turned out to be absolutely gorgeous and it's never occurred to me to stop there before

would do again: in the right company and probably slower, stopping for longer chunks in each place and doing day trips, or perhaps paying a little more money to mostly not be dealing with a tent

[tornadoquest]

Tornado Quest Top Science Links For March 29 -April 5, 2025 #science #weather #climate #climatechange #drought #tornado

Greetings to all and thanks for stopping by. The tornado and severe weather season is well underway with 2025 having already seen several substantial severe weather and tornado events. The bulk of the activity is yet to come. Your tornado safety information will be posted again this week along with a reminder on lightning safety. As usual, there are several thought provoking science reads along…

[sadieawesome]

I was talking to a head hunter about a great job I'm a perfect fit and then she saw my LinkedIn photo has rainbow hair and was like "do your homework on the founder of this company and if you are still interested let's talk next week"

Turns out he's one of Trump's appointed advisors so.... Do your due diligence kids, you don't need to know the company's entire backstory but you should check to see what they're doing with the income they'd be making off of you 😔

[finexlearning]

Finance Learning in 2025: Most In-Demand Courses for Finance Professionals

Finance Training: A Key Focus in 2025

With financial markets constantly evolving and businesses adopting advanced financial strategies, finance training is becoming a top priority for companies in 2025. Professionals who enhance their expertise will stay ahead in the competitive industry. This blog explores how to gain financial knowledge, the best online courses, and the most sought-after training programs.

What is Finance Learning?

Finance learning involves acquiring knowledge about financial principles, investment strategies, risk management, and corporate financial planning. It equips professionals with the skills to analyze financial data, manage funds, and make informed decisions. Whether you're a beginner or a seasoned expert, continuous education in finance is essential for the ever-changing economic landscape.

How to Learn About Finance

There are multiple ways to strengthen your financial knowledge:

Self-study: Reading books, financial reports, and articles can help build foundational understanding.

Online courses: Enrolling in structured programs provides professional guidance.

Workshops and training sessions: Interactive sessions offer practical insights and real-world applications.

Certifications: Obtaining recognized credentials enhances career prospects.

On-the-job experience: Gaining practical exposure in finance-related roles improves expertise.

Finance Online Courses

E-learning has revolutionized professional education. Online finance courses offer flexibility, expert instruction, and industry-relevant content. These programs cover various topics, including risk management, investment analysis, and financial modeling.

Types of Courses

Short Courses in Finance

Short-term finance courses are ideal for beginners, non-finance staff, or professionals looking to upgrade their expertise. These programs range from basic financial principles to specialized training in niche areas. Options include:

1-day workshops for quick insights.

2-day intensive courses covering specific topics.

3-day programs for a deeper understanding of financial concepts.

Most In-Demand Finance Courses

Interest Rate Futures & Swaps

This course focuses on derivatives trading, risk management strategies, and financial instruments used in modern markets. Read more

Corporate Treasury

Learn how to manage a company’s liquidity, cash flow, and risk while ensuring compliance with regulatory requirements. Read more

Future of Finance

The finance industry is undergoing rapid transformation. Automation, artificial intelligence, and blockchain technology are reshaping financial operations. Continuous learning will be critical for professionals to adapt to these changes. Upskilling through specialized training ensures career growth and long-term success.

FAQs

What does finance for professionals mean?

Finance for professionals refers to specialized training that helps individuals manage corporate finances, investments, and risks effectively.

Is learning finance essential for professionals?

Yes, understanding financial principles is crucial for making informed decisions, improving business performance, and advancing in your career.

[cryptoreach]

Crypto Bull Run 2025: A Guide to Understanding the Bull Market

The cryptocurrency market is known for its volatility, and one of the most exciting events for investors is the “Crypto Bull Run.” This phenomenon occurs when major cryptocurrencies like Bitcoin and Ethereum experience a rapid and sustained price surge, creating a market frenzy. During a bull run, investor sentiment is highly optimistic, with increased trading volume, media coverage, and a general sense of enthusiasm driving prices higher.

For those entering a crypto bull run, it’s essential to adopt smart strategies. Timing your investments, diversifying your portfolio, conducting thorough research, and using risk management tools like stop-loss orders can help maximize profits. However, predicting the next bull run is challenging due to the market’s volatility, but analysts predict a potential bull run in 2025 driven by factors like Bitcoin halving events, institutional interest, and technological progress.

Understanding investor sentiment and market psychology is crucial, as shifts in sentiment can signal the end of a bull run. With the right strategies and market awareness, investors can navigate the crypto bull run to secure profits.

To dive deeper into the details and learn more about how to navigate the crypto bull run, read the full blog.

[incorrectfigureskatingopinions]

Camden said you know what actually fuck Axel Paulsen

[histhoughtslately]

Don’t put all your eggs in one basket.

#old saying but true #penniesfromheaven

[athomewithladylux]

Strangers in Paradise, written by psychologist and wealth advisor James Grubman, explores the challenges that families face as they navigate the world of wealth across generations. The book draws an analogy between families new to wealth and immigrants to a new country, suggesting that both groups must adapt to unfamiliar cultural norms and responsibilities in order to thrive. Through real-world stories and clear reasoning, Grubman outlines the key processes that families of wealth must undergo to successfully adjust to their new circumstances. The book offers valuable insights for anyone interested in understanding the complexities of wealth and how it affects families over time. As a mentor, I would highly recommend this book to any young woman seeking to build financial security and understand the challenges that come with wealth.

[fincrif]

Personal Loan Pitfalls to Avoid in 2025

A personal loan can be a great financial tool when used wisely, offering quick access to funds for emergencies, home renovation, education, or debt consolidation. However, many borrowers make avoidable mistakes that lead to higher costs, financial stress, and repayment issues.

To ensure you make the most of a personal loan in 2025, let’s explore the common pitfalls to avoid and the best strategies to manage your loan effectively.

🔗 Looking for a Personal Loan? Apply Here: Check Personal Loan Options

1. Borrowing More Than You Can Afford

One of the biggest mistakes borrowers make is taking a loan amount higher than their repayment capacity.

✔ Solution: Always assess your finances and ensure your EMIs do not exceed 30-40% of your monthly income.

🔗 Check Affordable Loan Options:

IDFC First Bank Personal Loan

Axis Bank Personal Loan

2. Ignoring Interest Rates & Loan Terms

Many borrowers overlook the actual cost of borrowing by not comparing interest rates, fees, and loan tenures.

✔ Solution: Compare interest rates, processing fees, and hidden charges before finalizing a lender.

🔗 Best Personal Loans with Low Interest Rates:

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

3. Overlooking the Impact of a Low Credit Score

Your credit score directly affects your loan approval and interest rates. A low credit score can lead to loan rejection or higher interest costs.

✔ Solution: Maintain a credit score of 700+ by making timely payments and avoiding unnecessary debt.

4. Falling for Pre-Approved Loan Scams

Many fraudsters send fake pre-approved loan offers that require advance payments before disbursing the loan.

✔ Solution: Always apply for loans through official bank websites or verified financial institutions.

🔗 Apply for a Personal Loan from Trusted Lenders:

Axis Finance Personal Loan

5. Not Reading Loan Terms & Hidden Fees

Many borrowers focus only on the interest rate and ignore charges such as: ✔ Processing Fees ✔ Prepayment Penalties ✔ Late Payment Charges

✔ Solution: Read the loan agreement carefully and ask about hidden charges before signing.

6. Choosing a Longer Tenure Without Considering Interest Costs

A longer loan tenure reduces your EMI, but it significantly increases the total interest paid over time.

✔ Solution: Choose the shortest tenure possible that allows comfortable EMI payments.

7. Defaulting on EMI Payments

Missing EMIs can lead to: ❌ Penalty charges ❌ A lower credit score ❌ Legal action in extreme cases

✔ Solution: Set up auto-debit for EMIs and maintain an emergency fund for loan repayments.

🔗 Learn How to Set Up Auto-Debit for Loan EMIs: Check Loan Repayment Options

8. Using Personal Loans for Non-Essential Expenses

Avoid using personal loans for: ❌ Luxury vacations ❌ Gambling or risky investments ❌ Unplanned shopping sprees

✔ Solution: Use personal loans only for necessary expenses like medical emergencies, home improvement, or debt consolidation.

9. Not Exploring Balance Transfer Options

If you already have a high-interest personal loan, you can transfer it to another lender offering a lower interest rate.

✔ Solution: Consider a personal loan balance transfer to reduce your EMI burden.

🔗 Best Lenders for Balance Transfers:

InCred Personal Loan

10. Applying for Multiple Loans Simultaneously

Multiple loan applications can: ❌ Lower your credit score ❌ Make lenders view you as a high-risk borrower

✔ Solution: Compare lenders carefully and apply for only one loan at a time.

11. Not Checking Prepayment & Foreclosure Charges

Some lenders charge high penalties for prepayment or foreclosure, making early repayment expensive.

✔ Solution: Choose a lender that offers low or no prepayment penalties.

12. Relying on Unverified Lenders or Loan Apps

There are many fraudulent loan apps that charge excessive interest rates and misuse borrower data.

✔ Solution: Apply only through recognized banks, NBFCs, or verified fintech platforms.

🔗 Apply Safely for a Personal Loan Here: Check Verified Loan Options

Final Thoughts: Avoid These Mistakes for a Smart Borrowing Experience

A personal loan is a valuable financial tool when used responsibly. Avoiding these common pitfalls will help you save money, protect your credit score, and reduce financial stress in 2025.

Key Takeaways:

✔ Borrow within your repayment capacity ✔ Compare interest rates & hidden charges before applying ✔ Pay EMIs on time to avoid penalties ✔ Beware of loan scams and fake lenders ✔ Use personal loans only for essential needs

🔗 Looking for a Reliable Personal Loan? Apply Here: Check Personal Loan Offers

By following these tips, you can make smarter financial decisions and ensure a hassle-free borrowing experience in 2025!

[cryptidwrestling]

*checks my email before trying to go back to sleep*

...

[meetmitsui]

Whew! Watching Trump’s inauguration today feels like the start of something big—whether that’s for better or worse, we’ll soon find out. As someone navigating both outsourcing and financial trading, I can’t help but wonder:

Are we really looking at a future where outsourcing jobs in the Philippines decline, or will his tax and labor policies actually push companies to outsource even more to cut costs?

Will the dollar continue its climb against the peso and other emerging market currencies, or is it about to hit a ceiling?

What about BRICS? Will they lose momentum, or will Trump’s leadership fuel their determination to push back against the dollar?

And let’s not forget China—are we about to see a new wave of disruptions that make Trump’s presidency seem like a curse, or will he be the wall that holds them at bay as he lifts high the American dream?

Or will The Simpsons once again prove eerily accurate in their predictions—this time with the possibility that Trump may be the last president of the United States? They��ve been uncannily right before, predicting everything from pandemics to the victories (and even assassinations) of US presidents.

There are no easy answers right now, but one thing’s for sure: the world will be watching closely.