Tips For Effective And Stress-Free Budgeting

Spending less than we make is often cited as the most important personal finance goal. It can also be really difficult to accomplish. For those who overspend, here are seven tips for more effective and stress-free budgeting:

1) Understand the Goal.

2) Track Spending for a Week.

3) Save First and Spend the Rest.

4) Try letting 50% of income go to necessities, 20% to long term savings, and 30% to lifestyle choices.

Three more tips to make budgeting more effective and less painful.

If US per capita income continues to grow at a rate of 1.5 percent a year, the country will have plenty of money to finance comfortable retirements and high-quality healthcare for all citizens, including those at the bottom of the wage ladder. - William Greider

Wealthy And Educated Americans Drink Alcohol The Most [Infographic]

In the United States, drinking alcohol depends heavily on socio-economic status. The country’s drinkers are most likely to be wealthy and well educated, according to a recent Gallup poll. While 64 percent of all adults do generally drink alcohol, college graduates and high earners have the highest rates of consumption overall.


soooo… I’ve had a lot of interest lately about buying my perler crafts so I’m going to be opening commissions! That’s right! Send me a reference, I’ll name a price, and then make it and send it! The more you want, the bigger the discount you get.

Little ones like charmander are $5
Slightly bigger ones like espeon and charizard are $8
Mew and bellosom would be $15
Pieces like inuyasha are $20
Giant ones like rayquaza and raikou will be $40

If you are interested please PM me! I will be putting these on etsy shortly. HOWEVER, until I set up my etsy links, I will be taking payment through PayPal.

All purchases can be made throw my *paypal*, but message me on tumblr OR send me an email ( about purchasing before sending money! I want to make sure that I get a notification before I start working (PayPal doesn’t always notify me when money is in it)

***How payment works****
if you are sincerely interested, I will require a 50% payment before I start working on them, and then the remaining 50% once I am finished. I will then package and send them directly to you!! :)

*****please know this is helping me pay for lots of things like food for my reptiles and income while I am job searching. I am mentally ill and having a hard time finding a job so please please help if you are able. I also love making these and it helps with my panic disorder.*****



The 5 Steps To Ensuring Retirement Income

These are the five simple but important steps that decide your ability to live the life you want in retirement:

1. Determine how much you need to spend to live a life you enjoy.

2. Make the most of income sources other than your savings.

3. Decide how much risk you are comfortable with.

4. Figure out how much income you need your savings to generate every year.

5. Identify how much you want to leave to your heirs.

More advice on how to create an income plan from your savings.