#yes I have a license for it bc I just like the software that much. much more convenient esp if installing many times thru wine or VMs etc
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giving comic sans better unicode support š
#fonts#typography#unicode#comic sans#i use High-Logic FontCreator btw (version 13.0 standard edition; that's the one i have a license for)#yes I have a license for it bc I just like the software that much. much more convenient esp if installing many times thru wine or VMs etc
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Thoughts on miku NT update getting delayed? I think she was supposed to get a major update for her anni but she just got a minor update and wat asked to wait 6 months for a ''real'' update
oh man, if i sound combative sometimes here its because this subject triggers my "vocal synth fans are way too angry at nothing" gag reflex, but im not mad at all just frustrated. also sometimes i just accidentally sound aggressive when my tone is actually neutral, so i hope you forgive me if i come off like that.
its difficult to speak about miku NT frankly because if you ever have anything positive to say about her or are patient about her release or even respect the circumstances she exists in... you get called a shill and/or people get madā and someone on tumblr has picked a fight with me over it and refused to absorb anything i said about the subject, so i have a bit of fear naturally but...
well for one thing i didn't know about the huge update at all so thanks for telling me!
first of all i think the stated mission statement of miku NT aligns with how i see mikuā v3 and v4 strayed too much from what miku actually sounds like, and people get really mad if you say this for some reason and accuse you of being picky or a boomer, but if you listen to any iconic song posted before v3, there is a mikuness present in her original version that is lost in the newer engines, is there not? (honestly i think this is true for every v2 vocal. especially luka. literally no one survived the transition to v3/4 but gumi and the VYs, but luka v4 is the worst. luka has lost her popularity and personality bc of how shit v4 is) she sounds more like fujita saki than miku the more she gets rerecorded. that is why NT exists, aside from crypton wanting to be software agnostic. miku NT is basically a V2 emulator, but the current commercial version is rough. it's enough for me to see the vision though. i say commercial because its clear the private version given out to crypton's trusted few (people like mitchie m and nyanyannya) and used in proseka sounds way more progressed... i'm assuming the huge update is either this or something beyond that. and perhaps, this huge update, if it sticks the landing, maybe means NT could be heading to a more presentable state. it could mean the release of kaito next (because it seems like to me that of the unreleased vocals kaito is the one they work on the most)
another thing people get mad at you for pointing out is how wat is the only person developing the engine... like, sorry, that is just how crypton's company culture operates, piapro charas are not their only product and those who handle them in the company are so few precisely because of how tight the vision is. and they barely make money from miku at all considering the licensing fees are practically nonexistent (for the sake of ease on everyone). so no it's not like how people think they can throw money at the project until it's suddenly successful. people think you can just hire someone from the outside to help develop itā arguably, yesā but if you read any interviews wat or other involved peoples give you immediately get the feeling that their vision is something so specific, they'd never involve a third party even if you put a gun to their heads. and i respect that. i can wait 10 years for NT to get good if it means miku will be miku forever and not fujita saki. if it makes people mad, they've literally never taken any version of miku off sale, you can buy miku v2 or 3 or 4 from their website right now if you wanted to. is it kinda bad they decided to put NT up for sale so early? yeah i can't defend that. but i also think that they underestimated the whole "make your own engine" bit. and people are hard on crypton because a lot of dumb missteps on their part like when the append update dropped and they used the incorrect audio for every demo, giving the impression that there was no difference or improvement.
comparisons to other companies don't work eitherā companies like yamaha and technospeech have entire research teams and periodically publish said research and then eventually implement such things into their softwares. such research is funded heavily by investors. they are company's companies. no comment on dreamtonics idk what is going on there. crypton on the other hand came in with like one guy lol. maybe it is a trap of their own design but lmao no one has to buy NT or pay attention to its existence if they hate it
i sincerely believe that vocal synth fans are raging bulls who root for products to fail just so they can hoot and holler and scream that they were right on the off chance they do fail, with 0 appreciation for the fact that for example every software has a different philosophy in its creation and a different end goal, yes NT is embarrassing at times and yes it could have been better. and? have they abandoned it? have they taken the money and ran? if they did not care they would have released the other cryptonloids and that would have been it. if there's any people whose vision i trust, whose love for their characters and the creators who love their creations that i unwaveringly believe in, it's crypton. (and vocalomakets. but that is not the point)
and i'm not even a crypton girlie!!!
i think literally everyone who buys NT aside from the clique-y cover artist twitter weirdos (who sit in a circle and shit on every new release) buys it with the understanding that at this point, it is a beta product against crypton's will, and you're in for the ride at that point. if people want piapro studio to be synthv, then they missed the point entirely. miku NT will never be realistic, and will probably never implement AI, because miku is not realistic and AI learning dilutes the mikuness. if people want synthv they should just buy synthv lol. if people think v4 miku is better (i'm telling yall she is not) then just buy v4 miku. what's the issue?
basically if wat tells me to jump i jump. i trust him on this even if it gets delayed beyond that. sorry if this strayed from what you asked me nonnie but as you can see I Have Feelings re:this
#ask#anonymous#can you see the dislike i have for other fans š«¶#if people think im a shill for being patient then so be it.#vocal synth fans when you tell them you cant just 'make the software good NOW'
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hi! just wanted to ask what IS vocaloid bc u post about it sometimes and im glad your enjoying it but i keep trying to figure out what it is andvim very confused is it a song? a game?? ??? thanks
oh my god i just lost several paragraphs. iām redoing this but shorter. maybe thats better tho cuz i went full autism
vocaloid -> singing synthesizer by yamaha. colloquial term, at least in the west, for other singing synths as well, like utau (free vocaloid, usually gives characters attached to voices more personality), cevio, synthv, etc
games? -> they exist! most are attached to crypton, who made the world famous virtual idol miku. usually the first one people know and the most recognizable. my grandma could recognize her (my mom can recognize len really easily cuz heās my fave) (see my profile pic, at least at the time of posting this)
^ miku
the games are project diva, mirai, and sekai (this is the only mobile one and i am ADDICTED). thereās also a crappy gumi game and a decent ia game
other popular vocaloids besides cryptons (which are miku, luka, meiko, kaito, rin&len) -> flower, ia (whoās been moved to cevio i think) (adding this detail as if crypton hasnt made their own program and their characters arent technically vocaloids anymore), gumi, fukase is a popular fan favorite but yamaha has weird licensing stuff so there arent all that many original songs, especially not popular ones :(
vsinger is also cool and pretty popular and also deserves more western recognition! they gave most of their characters full backgrounds -> https://vocaloid.fandom.com/wiki/Zhiyu_Moke
also they made a ~12 minute long anime series
youtube
talkloids -> making them talk and itās pretty popular on youtube but a lot of new ones are unfunny and i donāt rly like the popular fanon depiction of a lot of vocaloids
mmd/miku miku dance -> freeware cg animation software and is used for nico nico cho parties, also nnd parties are really cool cuz most vocaloid concerts are only singers from one company, this one has multiple and also utaus!
classic era producers -> hachi, ryo, livetune, wowaka (rip), deco*27 (still putting out vocaloid music), dixie flatline, pinocchio-p (also putting out vocaloid still), im probably forgetting some. all of these have at least two songs in project diva
my personal faves -> siinamota (rip), kinoshita, lamaze-p, nashimoto-p, sasanomaly, balloon, abu-se, daniwell-p
there are english vocaloids and plenty of the vocaloids iāve mentioned above have english voicebanks but idr listen to english vocaloid a lot :p i like riproducer and ghost and pals tho! fukase gumi and yohioloid have good eng banks
character items -> usually fan decided and also usually food. has fallen out of fashion :( was mostly a v2 and utau thing. spring onions -> miku, oranges -> rin, bananas -> len, road rollers -> rin AND len, ice cream -> kaito, alcohol -> meiko, tuna -> luka, carrots? -> gumi, eggplant -> gakupo, french bread -> teto, coffee mill -> ruko, peaches -> momo (nyan cat), i KNOW that SOMEONE has a traffic light fetish, yes specifically a FETISH, i forgot who though
utatane piko -> deserves better and also my favorite (also sf-a2 miki, who is NOT stuck in v2 hell, was supposed to be like, a package deal thing like rin&len, or the meikas, or kiyoteru&yuki, but nooo they got split to different companies. im bitter about this)
meme squad -> dumb phrase for a trend in talkloids that seems to have started in 2016 (fukases release) and went into full swing around 2018. fukase, flower, piko, oliver, and sometimes len, usually as a scapegoat (which im :/ about). as much as i tend to dislike a lot of talkloids, i do like them all being friends. sometimes moke is there too because of the popular fan comic/ask blog love electric/vocalads!
also yeah nyan cat was a song originally sung by miku, made by daniwell, the one everyone KNOWS however, is sung by the utau momone momo. i love telling normal people this.
meta songs -> a lot of old vocaloid songs are them singing about being vocaloids and its cute and we need to bring it back :] but also itās good we started making other songs, thank you ryo for helping kickstart that (thereās a video about this somewhere. i dont wanna risk losing my paragraphs again so i cant help :( soz).
usually when im posting abt vocaloid itās about the characters or specific songs :]
ok thank you for letting me autism
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Gladiator Heroes Hack
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3 Terrible Purchases That Finally Made Me Change My Lifestyle
With the approach of a New Year, I think itās inevitable that we all start reflecting on ourselves and what weād like to change. While I definitely fall into the category of people who are āNew Yearās Resolution-Makers,ā I actually do try to implement changes throughout the year and not just at the beginning. Iāve learned throughout the years that I can get easily sidetracked and distracted by multiple goals and projects, so if I truly want something to change, I just have to start (or least start planning) now instead of waiting for a particular date.
But I am a fan of New Year goals and resolutions. I donāt think thereās anything wrong with having that motivational push and if it thatās what you need to help you get into the self-improvement mindset. So in the spirit of 2019, these are the three lifestyle changes Iām continuing to work on after making some of my worst purchases. Sometimes these were made out of insecurity and vanity, and sometimes they were simply because I was irresponsible. Either way, these seemingly innocent purchase mistakes ended up teaching me more than how to better manage my budget.
1. A Custom Blazer I Saw On Instagram
Cost: $100 CAD ($75 USD)
When Instagram became popular a few years ago, I beganĀ toĀ follow a lot of fashion and lifestyle bloggers. They all posted these incredibly beautiful photos ā you know the ones ā posing in a stunning outfit in front of a white-washed background with perfect hair and make-up. At the age of 21, I was super impressionable and in awe of all the beautiful people and things on Instagram.
So in 2015, when I was visiting my family in Vietnam and was in the city of Hoi An, famous for custom tailoring, I decided that I was going to treat myself. I had a custom blazer made in the same style as one of the fashion bloggers I had been following. She had just posted this incredibly chic photo in New York in it and I thought it would be perfect for when I returned to work after my trip. To be clear, it was not an average blazer, it was this cape-style blazer that didnāt have sleeves, but instead had the arms slits cut mid-way down the blazer.
I didnāt even wear it once before I threw it in the donation bin a year later. Ā
I realized then that a lot of the beautiful things fashion/lifestyle bloggers wear are on Instagram are not only impractical, theyāre down right uncomfortable. That blazer was not functional; because it didnāt have proper sleeves, I couldnāt move my arms without it slipping into an uncomfortable position. Literally the only thing that blazer was good for was Instagram likes.
I knew I couldnāt afford the designer blazer she was wearing so I had a custom one made instead and while $100 didnāt break my bank account, it was a lot of money for me on a backpackerās budget.
To me, that blazer was the physical manifestation of all those Instagram photos of influencers that I aspired to be like ā carefree, beautiful, and always perfect looking with this effortless backdrop. But that blazer taught me I had to be careful not to let beautiful photos skew my perception of reality in how I see myself and what I can afford to spend.
Iād like to say that I cut off all Instagram influence after this experience, but it wasnāt that simple. Sure, I unfollowed fashion bloggers here and there, but it wasnāt just the clothes, it was the lifestyle. Every year I try to get better and better at critically thinking about who I follow and what kind of online world I want myself surrounded by. I try to unfollow people throughout the year if I donāt think if they positively contribute to my life anymore, but I recently found a loophole into this horrible habit. For the past year, Iāve instead been lurking the profiles of people who live these perfect lives to see what they were up to and what they were wearing. And every time I searched them, it would appear as a suggestion in my search bar. So it would be this vicious cycle of me still viewing these peopleās highlight reels except I would check back on their profile instead of following them, which was worse (you can judge me for this one, because it really was creepy).
You probably think I sound obsessive, and honestly, itās probably bordering there. But as of recently and into 2019 Iām going to get more use out of the hide, mute, and block function on Instagram to stop myself from going down that rabbit hole. I fully understand that these are not bad people; Iām sure they are great people, but in trying to stay authentic to myself, Iāve learned that I have to be surrounded by people online that I would want to hang out with in real life. This means following people who genuinely share their successes and challenges in life, and not just the perfect cool girls who were nice, but I never ended up staying in touch with after high school.
2. The Subscription I Refused to Cancel
Cost: $518.64 CAD ($387.75 USD)
One of the worst and costly mistakes Iāve ever made was being too lazy to cancel subscriptions that I do not use. And Iām sure Iām not alone in this one since gym memberships are notorious for being a prime example of how long one can deny the use of a subscription until actually canceling it. Thankfully, Iāve never lied to myself that much and bought a gym membership. I much prefer to exercise in the outdoors; I pay enough for it by living in Vancouver, BC.
However, there were many times that I talked myself into other costly subscriptions and never fully used them, which is exactly the same thing as a dusty gym membership. For me, my vice is learning. I want to learn everything.
So after discovering the world of calligraphy and typography (on Instagram of course), I got swept away with the idea of learning all things graphic design. Shortly after, I looked into getting an Adobe Photoshop license for my computer, even though I was nowhere near that level that required it. And because I still had a student email account, I learned I got a discount if I subscribed to the Adobe Creative Cloud Suite instead which would come with all of their programs as opposed to just the one or two I needed and I thought, āwhat a great deal! What a great chance to learn more.ā The problem was I only clicked into those other programs maybe once before deciding it was not for me and never opened them again because I was too overwhelmed. I should have just canceled it after the two months after realizing that I didnāt need it and wasnāt interested in learning all these programs after the initial excitement wore off, but I didnāt. I lied to myself for a bit more than a year before finally letting go of that $30+ charge each month.
The plus side is that I did a lot from it, but not surprisingly, I really only learned Photoshop and Lightroom which were the only two I was interested in. More than that, I learned that I did not need the software to really practice my hobby (if I wanted to turn it into a side hustle sure, but I was nowhere near that level yet).
I think constantly having the desire to learn more and further my self-improvement is a wonderful quality and I do really like that about myself. But Iāve also learned I need to put limits on it, both in time and in money. I canāt just jump into things thinking I have the time and desire to learn it. More importantly, I shouldnāt just sign up for costly subscriptions and software to think that I needed them to pursue a hobby. We do live in the age of YouTube and tutorials and if I really wanted to learn something, I should use make use of free resources to consider if I truly enjoy the hobby, before jumping in credit card first. Ā
I could have waited a bit longer to see if I really needed those programs, but I got tempted by the package offer and caved into the idea that I would be āsaving moneyā with this bundle. In the end, I spent over $500 on this very expensive lesson.
Nowadays, I have a budget and account for creative projects. Whenever I make money through my side hustles, I put it towards paying for new creative things I want to learn. I have a budget for everything else, why not creative hobbies? Having a set budget for it really makes me critically think about whether I have the time, energy, and interest to really pursue a particular creative project because I have to work extra hard for side hustle money as opposed to my regular salary.
So far, itās going great, and made me really think about what I enjoy enough to spend money learning more about. For 2019, Iām going to continue using the budget mostly for my blog because more and more Iāve found my passion for it, and be super honest with myself if I have the budget for more projects. The best part of this system is that it has created a definite limit on my spending and makes me super cautious of subscriptions. Before, the charge would just come off of my credit card, and it would be buried underneath a mountain of other transactions. Now, thereās a set amount in a specific side hustle account in my PayPal account and everything for creative projects gets paid out from there. If I donāt add to it, I simply run out of money and canāt buy it. Ā
3. The Wrong Paint
Cost: $42.97 CAD/$32.13 USD (for the wrong one), $34.97 CAD/$26.14 USD (for the correct one)
Yes, I paid more for the wrong paint.
This one is just a reflection of how poorly I plan and research sometimes. After buying my apartment, I naturally wanted to put a fresh coat of paint on it. Not only for the obvious reason that it would look nicer, but because the previous owners also chose this horrendous brown-y yellow paint for a small bedroom. Like, why?
In my excitement, I did absolutely zero research on what type of paint I actually needed and based 100% of my decision solely on the color of paint.
Life lesson: There are different types of paint.
I ended up buying two colors of paint; a grey one for my living room and a white one for my bedroom. However, after painting my entire bedroom with friends, I learned that I had accidentally bought āexteriorā paint, which is sturdy and sticks the second you apply it. While painting, I could see that it looked really streaky, but I told myself that it would look better when it dried. When my mom came over and jokingly remarked āwow, this looks really badā, I responded defensively. But when the paint was fully dried, I realized (of course) that my mom was right and it did look really, really bad. I had to come to terms with the fact that I had made a mistake and it not only cost me financially, but it cost me time. If anyone has ever painted an entire room before, youāll know itās not quick. I had to re-paint the whole place myself and it took many evenings after work to complete it.
Prior to this, if something was broken or needed repair in the home, my parents or landlord would fix it. This was the first decision regarding a home where I was the one completely responsible for the damage and for the repair. Ā And the responsibility was hard to deny when I was literally standing in the middle of a horribly painted bedroom.
As Iāve continued to decorate and organize more of my apartment, Iāve gotten better and better at planning and researching my needs beyond just the aesthetics of it. Iām not perfect, but Iām getting there. More specifically, Iāve started especially really paying attention to the exact measurements of things instead of just eyeballing it. And probably to no surprise, itās been working. What a concept.
In the end, these were all purchases Iāve made that were probably not my best choice. I actually choke a little when I think about all the money I spent on the fancy tools and software for hobbies I became enamored with (I did not include all of them or else this article would have turned into an essay), but spending this money badly taught me a lot. These bad purchases showed me, in a tangible dollar amount, the not so nice parts of me. It showed me how much I truly do care about my looks (despite what I think), the cost of my ambitions, and the consequences I have to pay when I rush into home purchases. Ā Sure, I could have learned these lessons another way, but these bad purchases really pushed that mirror on me to reflect upon.
These are changes and lessons Iām currently incorporating, and working to improve upon in 2019. Iām definitely not perfect when it comes to curating the noise of social media or planning for my home but every month I get better and better. Iām using the New Year as a way to ride onto the ānew year, new meā wave, but I hope youāll think about something youāve been meaning to change too. Even if you donāt start on January 1st, that doesnāt make it any less important or mean it will be any less successful.
Kimberly is the writer behind www.millenniallifeadmin.com.Ā MLA is a blog that helps break down the everyday adulthood tasks of growing up; one unavoidable responsibility at a time. You can also find her scrolling through memes and sassy posts on Instagram @millenniallifeadmin.
Image via Unsplash
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Source: https://thefinancialdiet.com/3-terrible-purchases-that-finally-made-me-change-my-lifestyle/
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3 Terrible Purchases That Finally Made Me Change My Lifestyle
With the approach of a New Year, I think itās inevitable that we all start reflecting on ourselves and what weād like to change. While I definitely fall into the category of people who are āNew Yearās Resolution-Makers,ā I actually do try to implement changes throughout the year and not just at the beginning. Iāve learned throughout the years that I can get easily sidetracked and distracted by multiple goals and projects, so if I truly want something to change, I just have to start (or least start planning) now instead of waiting for a particular date.
But I am a fan of New Year goals and resolutions. I donāt think thereās anything wrong with having that motivational push and if it thatās what you need to help you get into the self-improvement mindset. So in the spirit of 2019, these are the three lifestyle changes Iām continuing to work on after making some of my worst purchases. Sometimes these were made out of insecurity and vanity, and sometimes they were simply because I was irresponsible. Either way, these seemingly innocent purchase mistakes ended up teaching me more than how to better manage my budget.
1. A Custom Blazer I Saw On Instagram
Cost: $100 CAD ($75 USD)
When Instagram became popular a few years ago, I beganĀ toĀ follow a lot of fashion and lifestyle bloggers. They all posted these incredibly beautiful photos ā you know the ones ā posing in a stunning outfit in front of a white-washed background with perfect hair and make-up. At the age of 21, I was super impressionable and in awe of all the beautiful people and things on Instagram.
So in 2015, when I was visiting my family in Vietnam and was in the city of Hoi An, famous for custom tailoring, I decided that I was going to treat myself. I had a custom blazer made in the same style as one of the fashion bloggers I had been following. She had just posted this incredibly chic photo in New York in it and I thought it would be perfect for when I returned to work after my trip. To be clear, it was not an average blazer, it was this cape-style blazer that didnāt have sleeves, but instead had the arms slits cut mid-way down the blazer.
I didnāt even wear it once before I threw it in the donation bin a year later. Ā
I realized then that a lot of the beautiful things fashion/lifestyle bloggers wear are on Instagram are not only impractical, theyāre down right uncomfortable. That blazer was not functional; because it didnāt have proper sleeves, I couldnāt move my arms without it slipping into an uncomfortable position. Literally the only thing that blazer was good for was Instagram likes.
I knew I couldnāt afford the designer blazer she was wearing so I had a custom one made instead and while $100 didnāt break my bank account, it was a lot of money for me on a backpackerās budget.
To me, that blazer was the physical manifestation of all those Instagram photos of influencers that I aspired to be like ā carefree, beautiful, and always perfect looking with this effortless backdrop. But that blazer taught me I had to be careful not to let beautiful photos skew my perception of reality in how I see myself and what I can afford to spend.
Iād like to say that I cut off all Instagram influence after this experience, but it wasnāt that simple. Sure, I unfollowed fashion bloggers here and there, but it wasnāt just the clothes, it was the lifestyle. Every year I try to get better and better at critically thinking about who I follow and what kind of online world I want myself surrounded by. I try to unfollow people throughout the year if I donāt think if they positively contribute to my life anymore, but I recently found a loophole into this horrible habit. For the past year, Iāve instead been lurking the profiles of people who live these perfect lives to see what they were up to and what they were wearing. And every time I searched them, it would appear as a suggestion in my search bar. So it would be this vicious cycle of me still viewing these peopleās highlight reels except I would check back on their profile instead of following them, which was worse (you can judge me for this one, because it really was creepy).
You probably think I sound obsessive, and honestly, itās probably bordering there. But as of recently and into 2019 Iām going to get more use out of the hide, mute, and block function on Instagram to stop myself from going down that rabbit hole. I fully understand that these are not bad people; Iām sure they are great people, but in trying to stay authentic to myself, Iāve learned that I have to be surrounded by people online that I would want to hang out with in real life. This means following people who genuinely share their successes and challenges in life, and not just the perfect cool girls who were nice, but I never ended up staying in touch with after high school.
2. The Subscription I Refused to Cancel
Cost: $518.64 CAD ($387.75 USD)
One of the worst and costly mistakes Iāve ever made was being too lazy to cancel subscriptions that I do not use. And Iām sure Iām not alone in this one since gym memberships are notorious for being a prime example of how long one can deny the use of a subscription until actually canceling it. Thankfully, Iāve never lied to myself that much and bought a gym membership. I much prefer to exercise in the outdoors; I pay enough for it by living in Vancouver, BC.
However, there were many times that I talked myself into other costly subscriptions and never fully used them, which is exactly the same thing as a dusty gym membership. For me, my vice is learning. I want to learn everything.
So after discovering the world of calligraphy and typography (on Instagram of course), I got swept away with the idea of learning all things graphic design. Shortly after, I looked into getting an Adobe Photoshop license for my computer, even though I was nowhere near that level that required it. And because I still had a student email account, I learned I got a discount if I subscribed to the Adobe Creative Cloud Suite instead which would come with all of their programs as opposed to just the one or two I needed and I thought, āwhat a great deal! What a great chance to learn more.ā The problem was I only clicked into those other programs maybe once before deciding it was not for me and never opened them again because I was too overwhelmed. I should have just canceled it after the two months after realizing that I didnāt need it and wasnāt interested in learning all these programs after the initial excitement wore off, but I didnāt. I lied to myself for a bit more than a year before finally letting go of that $30+ charge each month.
The plus side is that I did a lot from it, but not surprisingly, I really only learned Photoshop and Lightroom which were the only two I was interested in. More than that, I learned that I did not need the software to really practice my hobby (if I wanted to turn it into a side hustle sure, but I was nowhere near that level yet).
I think constantly having the desire to learn more and further my self-improvement is a wonderful quality and I do really like that about myself. But Iāve also learned I need to put limits on it, both in time and in money. I canāt just jump into things thinking I have the time and desire to learn it. More importantly, I shouldnāt just sign up for costly subscriptions and software to think that I needed them to pursue a hobby. We do live in the age of YouTube and tutorials and if I really wanted to learn something, I should use make use of free resources to consider if I truly enjoy the hobby, before jumping in credit card first. Ā
I could have waited a bit longer to see if I really needed those programs, but I got tempted by the package offer and caved into the idea that I would be āsaving moneyā with this bundle. In the end, I spent over $500 on this very expensive lesson.
Nowadays, I have a budget and account for creative projects. Whenever I make money through my side hustles, I put it towards paying for new creative things I want to learn. I have a budget for everything else, why not creative hobbies? Having a set budget for it really makes me critically think about whether I have the time, energy, and interest to really pursue a particular creative project because I have to work extra hard for side hustle money as opposed to my regular salary.
So far, itās going great, and made me really think about what I enjoy enough to spend money learning more about. For 2019, Iām going to continue using the budget mostly for my blog because more and more Iāve found my passion for it, and be super honest with myself if I have the budget for more projects. The best part of this system is that it has created a definite limit on my spending and makes me super cautious of subscriptions. Before, the charge would just come off of my credit card, and it would be buried underneath a mountain of other transactions. Now, thereās a set amount in a specific side hustle account in my PayPal account and everything for creative projects gets paid out from there. If I donāt add to it, I simply run out of money and canāt buy it. Ā
3. The Wrong Paint
Cost: $42.97 CAD/$32.13 USD (for the wrong one), $34.97 CAD/$26.14 USD (for the correct one)
Yes, I paid more for the wrong paint.
This one is just a reflection of how poorly I plan and research sometimes. After buying my apartment, I naturally wanted to put a fresh coat of paint on it. Not only for the obvious reason that it would look nicer, but because the previous owners also chose this horrendous brown-y yellow paint for a small bedroom. Like, why?
In my excitement, I did absolutely zero research on what type of paint I actually needed and based 100% of my decision solely on the color of paint.
Life lesson: There are different types of paint.
I ended up buying two colors of paint; a grey one for my living room and a white one for my bedroom. However, after painting my entire bedroom with friends, I learned that I had accidentally bought āexteriorā paint, which is sturdy and sticks the second you apply it. While painting, I could see that it looked really streaky, but I told myself that it would look better when it dried. When my mom came over and jokingly remarked āwow, this looks really badā, I responded defensively. But when the paint was fully dried, I realized (of course) that my mom was right and it did look really, really bad. I had to come to terms with the fact that I had made a mistake and it not only cost me financially, but it cost me time. If anyone has ever painted an entire room before, youāll know itās not quick. I had to re-paint the whole place myself and it took many evenings after work to complete it.
Prior to this, if something was broken or needed repair in the home, my parents or landlord would fix it. This was the first decision regarding a home where I was the one completely responsible for the damage and for the repair. Ā And the responsibility was hard to deny when I was literally standing in the middle of a horribly painted bedroom.
As Iāve continued to decorate and organize more of my apartment, Iāve gotten better and better at planning and researching my needs beyond just the aesthetics of it. Iām not perfect, but Iām getting there. More specifically, Iāve started especially really paying attention to the exact measurements of things instead of just eyeballing it. And probably to no surprise, itās been working. What a concept.
In the end, these were all purchases Iāve made that were probably not my best choice. I actually choke a little when I think about all the money I spent on the fancy tools and software for hobbies I became enamored with (I did not include all of them or else this article would have turned into an essay), but spending this money badly taught me a lot. These bad purchases showed me, in a tangible dollar amount, the not so nice parts of me. It showed me how much I truly do care about my looks (despite what I think), the cost of my ambitions, and the consequences I have to pay when I rush into home purchases. Ā Sure, I could have learned these lessons another way, but these bad purchases really pushed that mirror on me to reflect upon.
These are changes and lessons Iām currently incorporating, and working to improve upon in 2019. Iām definitely not perfect when it comes to curating the noise of social media or planning for my home but every month I get better and better. Iām using the New Year as a way to ride onto the ānew year, new meā wave, but I hope youāll think about something youāve been meaning to change too. Even if you donāt start on January 1st, that doesnāt make it any less important or mean it will be any less successful.
Kimberly is the writer behind www.millenniallifeadmin.com.Ā MLA is a blog that helps break down the everyday adulthood tasks of growing up; one unavoidable responsibility at a time. You can also find her scrolling through memes and sassy posts on Instagram @millenniallifeadmin.
Image via Unsplash
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Source: https://thefinancialdiet.com/3-terrible-purchases-that-finally-made-me-change-my-lifestyle/
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For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?
"For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?
A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high.Ā Ā Thanks!
BEST ANSWER:Ā Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblrĀ
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My husband and I recently sold our old car and financed a used low mile 2007 ford fusion. Our car insurance previously was around 60 dollars a month, now it's over $200.00. The reason our rate increased was our finance company requires certain insurance (comprehensive and collision) that we didn't have before. My question is, do we have to keep this insurance on the car throughout the financing period? They sprang this little tidbit on us right before we signed. We tried to get financing three weeks ago and suceeded, but the person working with us went out sick with swine flu and no one from the bank let us know. We ended up calling last week and they put us with someone else/ It put us in a time crunch since my husband was leaving for Naval OCS the next day. If we have to pay it, it's not a big deal, but we're a young couple and it's money we could be putting towards our student loans.""
Car Insurance - No claims question?
If you have been banned for a year, and are now back and allowed legally to drive, can you continue to use/put down your no claims bonus. For example, if you had 9 years, then were banned for a year, can you put the 9 down this year? Or does the ban wipe that out? As the ban wasn't a claim on the insurance, can it still be used? Does anyone know, or any ideas where I could check this out? Looking for quotes online and Im not sure which number to put in.""
Car Insurance for Tourists?
I bought a new car in Germany. It is insured through its manufacturer. I then left Germany and went to another country to work and live. Since I wanted to keep the car, I drove it to my new home! For the first 3 months (I am told) I am still insured as a Tourist. But I wonder... Say I have an accident in this new country, we exchange insurance details, etc... Where should the other driver go to get his compensation and file his claim? Has anyone ever had an accident with, say even, a rental car from another country and found out that they live elsewhere and . . . How should one deal with this situation where there might even be language barriers between the two drivers and the forms they have to fill in? Thanks in advance
Walmart $4 prescription list....only with insurance?
Are the awesome 4 dollar prescriptions only when you have insurance? I don't have insurance, can I get my regular 4 dollar script for still 4 dollars?""
How can I obtain drivers insurance when neither parent has a license in California?
because insurance is a binding agreement that requires one parent to have a valid license, and neither of mine do, I cannot buy auto insurance. - My grandparents will not help me either I have 1000$ to buy insurance, and I will drive either way, insurance or not, is there any loophole around this law? thanks.""
Whats the average cost of insurance for a 21 year old female?
Whats the average cost of insurance for a 21 year old female?
I need a list of affordable cars that look like a sports car but aren't considered one by insurance?
Or just a list of sports cars that tend to have lower insurance.
Insurance question?
has anyone been or is currently pregnant and without insurance? I see that it's possible to get individual insurance with a maternity package, has anyone applied for any of these? Does anyone have any experience in this situation?""
If Im late 4 days on my car insurance payment will they terminate my policy?
There was an unexpected illness in the family and I am going to be about 4 days late paying my auto insurance bill. How will this affect me? will they cancel my policy? will they charge me an extra fee? any help is appreciated...
Health insurance question..?
I have bcbs of tx. My mom got it for me when I was there. I am now living in California but still have the insurance from bcbs tx. So can I still use the insurance that I have right now at the doctors office. Or I cant? If i cant, then what do I have to do in order to use my insurance..? Another thing, I am 17 years old so do I have to be with my mom if I make an appointment, or can I go by myself, Or do I need an adult to go with me. (I'm living with my uncle right now.)""
How much will be car insurance be?
The car is a Honda Logo and the first part of the registration is W388 It is manual hatchback, uses petrol and isn't modified. I have no idea on the mileage. I am 17 year old new driver. My mother, father and grandma are all drivers on this car, I will just be an additionAl driver. They have all been driving 20+ years and have no claims. I live in an area that is fairly busy. The car will be parked on a public road outside my house unless in use. It will be used by me for social only. My other family members use it for running errands and shopping. How much can I expect my car insurance to be on this car? Will it be less than 2000? Thank you""
AIG car insurance in west coast?
hi i recenlty moved from east coast to west coast...i used to have car insurance with AIG while at eastcoast....does any one know if AIG serves car insurance in westcoast also.....especially in Los angeles
Insurance Quotes?
So i just started driving and my parents put my name under the title of our van because the insurance was cheaper. Well i would like to save up and get my own car, but they keep bringing up that the insurance would sky rocket. The van is a '03 Honda odyssey and the car i'm looking at is a '91 Toyota 4runner. If anybody could give me a ballpark estimate of how much the insurance will cost for one verses the other. I'm 16 and live in the zip code 80127. Dont know if any other info is needed. Thanks.""
What are the prospects of providing more Californians with health insurance in the future?
Considering we are producing more and more people without health insurance than other states, despite the fact that we paying the highest state taxes""
Is the nissan 240sx considered a sportscar when dealing with insurrance?
which would cost more for insurance, a 1997 nissan 240sx or a 2008 scion tc and is the 240sx considered a sports car?""
Motorcycle insurance question?
Hey, I dropped my motorcycle on the right side yesterday during a turn. It's a 2009 Kawasaki Ninja 250r. Two pieces of fairing were damaged pretty badly (right side and front piece). I just got insurance the day of the drop (before dropping it). Will insurance cover the damage? Also is it even worth getting them involved? I already have very very high insurance ($400 a month for a Honda Odyssey) due to previous car accident. I don't want to get any more things on my record. Will my insurance go up if I call them? The replacement fairings will cost me $560 out my pocket. I have a $250 deductible on the bike. So I would save about $300. Is it worth it?""
Would I be able to afford this car and car insurance?
I make $1200 a month. I currently pay $400.00 rent and $70.00 for my phone. I'm looking at a car that would cost me 180.00 a month plus 100-120 in car insurance. Plus groceries. 130 a month. I'm just worried I wouldn't be able to afford this but I really need a car. What if I move out and rent goes up? I'm a stressful person and stress about everything before I commit.I also have a dog to take care of. What do you guys think? Would I be able to afford It or would I be way to close to barely living?
Need help on car insurance for young driver?
Hi! I've been struggling to get a good quote for car insurance for a while now. I tried all the big name comparison sites and every one is quoting me 4k (monthly installments). I opted for third party and theft, i am 22 years of age and my postcode starts with sl1 (slough) and i got pass plus and had my licence (manual) since march 2011. I got my car already its a Peugeot 206 1.6l petrol manual 1999 3doors. If you have time you can try for yourself with the above details the quote is freaking too much. Is this just how it is or am i doing something wrong? If you can point me to the right direction that would be amazing!!""
""In Maryland, is insurance required to drive a car?""
I'm going to be living on my own soon and there's no possible way I can afford it on my own. By the way, does anyone know how much it costs to be insured as an 18 year old on your own policy? What about for a motorcycle?""
""What do i do if i need to see a doctor, but dont have insurance?
i need to see a doctor but dont have any money to pay off future bills. what can i do? i live in nh. are there temporary insurances that are affordable? should i just go and not pay whatever bills they send? will i get denied if i have no insurance or any means of paying the medical bills?
Have you ever gotten a car insurance quote online in Illinois?
how easy was it to get the quote? was the process confusing at all? Did the site explain what coverages you needed and why you needed them?
I'm looking for a car insurance in Michigan that's cheap?
All i need is a cheap plpd auto insurance. My car is not worth much and I'm not going to spend a lot on car insurance for it. All I want is for the other driver to be fine. If you know of any cheap auto insurances let me know.
""After i register my car how much time do i have to get insurance, while still driving?""
I just registered it today and i was wondering if i can drive it around, till i get insurance this weekend. Im in MN.""
Best renters insurance in california?
Best renters insurance in california?
For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?
A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high.Ā Ā Thanks!
Life insurance for police officers?
Can police officers get extended life insurance to cover death on the job? If so, how much - 5 million?""
Daily car insurance for a 18 year old?
Hi, I don't really know where to look, but my friend said that it is possible to get daily insurance for my age... I guess the question is where can I get daily insurance that allow 18+ If it helps, the car is a bmw 5 series m sport.""
What is no claims discount in car insurance?
What is no claims discount in car insurance?
What is the best teen driver insurance in California?
Taking driving test tomorrow and need insurance coverage for just me, 18 years old.""
Will my parents car insurance go up if they co sign for me?
I have my own car and need car insurance but I need my parents to co sign for me. I'm getting a different insurance company from what my parents have on a different everything. Will them co signing for my insurance affect their insurance with anything? Like will their insurance go up because they co sign for me? Or if I get a ticket or in a wreck will it raise their insurance costs? We live in the USA.
How much will my Car insurance go up?
I hit a car in Los Angeles and I have State Farm. The guy I hit drives a range rover and all I did was scratch his driver's side door. The body shop wants $1200 to repaint the door, which I think is insane. I would pay cash, but $1200 is a lot of money. Does State Farm have accident forgiveness, or will my premium go up if I claim this on my insurance?""
""525i First car, how much insurance?""
Hey, Im currently trying to get my driving lisence and I was thinking of buying a BMW 525i 1995 model as my first car, how much will the insurance cost approximatly? i know it will be expensive, but how expensive?""
What is better and cheaper for Auto Insurance in BC vs. Alberta?
I'm purchasing a new car, and i'm currently in British Columbia, i have two residences, one in BC and one in Alberta as i go to school in Alberta. I'm wondering what should i do with insurance would it be better to insure it under BC or Alberta?""
Motorcycle Insurance?
I am looking at a red 2007 Honda Shadow VLX. I'm a 21 year old female, I'm on State Farm with my car, living in Lake Charles, which is probably one of the bigger cities in Southwest Louisiana. Just wondering what average cost might be to insure this bike. Like, minimum or if it's totaled. I only have one speeding ticket from a year ago on my record I believe. Thanks!""
Help with life insurance?
Term insurance is recommended over whole life insurance for most people. If you, too, choose term insurance, how might you then provide a long-term savings for yourself since term insurance has no savings plan?""
Regarding Health Insurance?
If I leave my employer and I have a health insurance from united healthcare for myself + my spouse. WIll it be possible that I can continue getting the insurance coverage......If Yes, how much more would I have to pay then?""
Is it necessary to buy Rental Car Insurance even though i have my car insurance policy with me?
I have a car and have taken Auto insurance for it. Now my question is if i take a rental car, then my auto insurance policy for my car covers it or i need to take separate insurance for the rental car? When i took the auto insurance policy, they have taken my car details and its present in the insurance card also. If i need to take insurance for rental car, what type of insurance do i need to take excluding my auto insurance policy coverage that applies to all cars? Also if i am driving someone else car, will my insurance cover if there is any accident i have made?""
Cheapest Car insurance in New Jersey?
Looking for cheap car insurance companies in New Jersey.
17 Year Old Insurance Question..?
What would be the average cost to insure any type of vehicle to a 17 year old foreign male (has no SSN, on a special permit VISA to live in the states)? I have around 12k to spend on the car, so i was looking at a few cars and the 2002 Audi TT (225hp, 6 speed M/T, 2-door sports coupe) seems to be the best car i can get with that money. Now ofcourse, i don't know what the fees are going to be like and it doesn't help that im a foreign student living here because my dad moved here, don't have a SSN/greencard etc (i have a special permit VISA for residence). will this impact my insurance a lot since im not a citizen of the U.S.? and so..how much would it really cost to insure an Audi TT as a 17 year old, honor role student who will complete the driver safety course, have same insurance as family policy, most likely be accident free (for state farm insurance) and have completed the steer clear driver's discount program? and some other general questions, what would be the difference in insurance premiums if instead i chose a 4-door sedan like a Honda Civic (2005)? I tried getting quotes from State Farm (said i was 18 instead), they got me at hte basic plan for $350/month for 2002 Audi TT and $375/month for a Civic 2005. Anyways to reduce that (those prices were with most discounts except the family plan)?""
Any suggestions on best Health Insurance for a diabetic?
My son is in his late twenties, without health insurance and was diagnosed with juvenile diabetes, requiring him to take insulin daily. We are trying to help him with this financially, and bills are enormous. Any ideas on what might be the best health insurance plan for him? Thanks in advance for any suggestions.""
Can I have Medicaid Share of Cost and private health insurance?
I was approved for Medicaid in FL with a Share of Cost of $425. Can I also buy private health insurance with medicaid?
State Disability Insurance in California?
I was laid off in December (company went under) and in March I got pregnant. I have not found a permanent job and at this point am not going to try - who's going to hire a pregnant woman, right? I am receiving unemployment which will be running out in a few weeks and I'm thinking about working for a temp agency until the baby is born to bring in some money. Does anyone know if I am working temp can I collect State Disability Insurance once the doctor tells me no more working? I'm really pissed...worked all those years and now I may not be able to collect through no fault of my own. Any help is appreciated. I think if I'm not working at all I can't collect but not sure. Thanks.""
How to change Car ownership for insurance?
I just bought used car yesterday(paid completely with cash). In order to add it own to my fathers insurance does the car need to be in his name and if so how do I go about doing it. the car is currently in my name and is it even legal for me to be driving it right now? I remember my uncle telling me something that you are automaticly covered when you first buy a viehicle!
Question about insurance?
Hi. Why car insurance is cheaper for: policy holder with driving licence held for 1 month and additional driver with provisional licence held for 3 months than: only a policy holder with driving licence held for 1 month ?? could someone explain me why is that ?
Mandated Health Insurance is different from Mandated Auto Insurance how?
The Supreme Court will be deciding if the government can force us to buy health insurance from a private corporation. The government forces us to buy auto liability insurance from a private corporation. I am at a loss to see the difference.
Can you get braces free if you have health insurance?
i want braces. can i get them free if i have health insurance
Motorcycle insurance rate estimation?
I want basic liability insurance for a lower cc Honda Phantom, 700 cc tops. I am a 21 year old male who committed a DUI 2.5 years ago and is now alcohol-free. For that reason, I feel ...show more""
How can i get lower car insurance for my newly passed girl friend ( UK )?
my girlfriend has just her driving test 2 weeks ago im getting her a car tomorrow, ive been checking through loads of insurance sites trying to find her the cheapest possible is there any tips and tricks what to enter on these sites they ask so many strange question, or should i insure the car than just add her as a named driver? or do you know off any cheap sites.""
How much does it usually costs for liability insurance on a car?
Buying a 1997 Ford F-150 2 door soon and wanting to know how much liability insurance is going to cost? just a Estimate is all Im looking for. :)
Whats the average price of car insurance for a teen with a 97 jet ta ?
Whats the average price of car insurance for a teen with a 97 jet ta ?
For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?
A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high.Ā Ā Thanks!
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