I’ve gotten pretty good at saving money over the years, here are my tips!
Look into minimalism. I put this first because if you are someone who feels trapped in a cycle of spending money on clothes and things you don’t need (like I once was) you need to consider a way of life that requires less unnecessary spending and focusses on improving your character and life as a whole. It can be hard to even begin saving when you have a strong urge to buy the latest trends and trinkets, but it is possible to break out of the cycle, and easier if you watch some motivating videos. here are some of my favs (no sponsors!):
Never spend more than you earn. This is easier for some and harder for some but is the most crucial part of saving because you need money left over each week to save. If you’re jobless at the moment, or spending heavily, you need to cut down your spending so its below the amount coming in.
Put your budget in a spreadsheet. I put my weekly budget in an excel document with all my expenses (bus fare, phone service, food and other) and earnings (student loan payments, extra work) and see what can be left over.
Decide how much you want to save, and how much you want to spend from your left over money. lets say you earn $150 per week and must spend $50 on utilities. You have $100 left over to spend and save. If you want to get to your savings goal fast, you should save more than you spend. If you’re relaxed about saving and just want to put away a small amount, you can adjust the ratio accordingly.
Transfer your saving amount into your savings account immediately after you get paid. Let’s say you want to save $60 per week and have $40 left to spend on food, experiences and miscellaneous items. Transfer that $60 into your savings account when you get paid and leave the $40 + utility amount ($50) in you spendings.
Pay for utilities as soon as possible. Pay your service provider load your transport money onto your transport card, put the petrol in your car etc when you get paid, if possible. This leaves you with only your extra $40 spending money in your account, so you know how much you can spend from it throughout the week.
Have Fun! Saving is easiest when you enjoy it (duh!) so try to focus on the satisfaction of a rising bank account, and the reason you’re saving whether it be travel, study, safety, or just to get into the good habit.
my fav parts of the lyric video were the parts that were just undeniably niall. the songbook falling open in the beginning and mullingar on everything and the animated guitar-playing and an honest to god golf scene..the whole thing is simple and sweet and so niall
[warnings]: um cuteness because it’s Sam for god’s sake, swearing, brief mentions of sex
[a/n]: okay so here’s one more headcanon for you guys to have while I’m writing the next part of Need Her and a few of my requests which I should start posting tomorrow or the next day. I’m so sorry, just bear with me please.
[another a/n]: okay but i love samuel thomas wilson so damn much and i am personally offended that he doesn’t get as much love as say steve or bucky or tony because this my bitch and if im being real he’s the real fav.
Dating Sam Wilson would include…
We’re not gonna lie to ourselves, Sam would be the most fun person to date in the whole world.
Making dumb videos on Snapchat.
The whole media absolutely adoring you two together because you’re a fucking power couple.
Babygirl, you would be treated like a queen.
Him calling you ridiculous nicknames.
Ex: Sweetums, the Bee’s Knees, Baby Cakes, Angel, Angel Face, Angel Eyes, Babygirl, Buttercup, Darlin’ of Mine, Princess, Honey, and so many more.
Him pushing you around in the shopping cart at the grocery store.
You guys just really couldn’t be in any shopping environment without messing around.
Taking pictures of each other when you pass each other on opposite escalators.
Trying on everything in every shop.
Probably getting kicked out of most stores.
Shit talking together.
“You know what they say Angel, couples who talk shit together, stay together.”
Him being a cheeky ass bitch all the time.
Sex. Lots of it. Everywhere.
The sex would probably be really cutesy and playful with a lot of teasing and it would be really great.
Okay, okay but listen, listen. Matching outfits.
You would trust each other 100000000000%
Like you would know the password to his phone and everything and when you were close to his phone and he got a text, he would ask you to check it.
He wouldn’t be so much protective because he would understand that you’re a strong woman that can handle her own shit. But if you ever voiced to him that something was wrong and that you needed him, he would kick somebody’s ass into next week.
Him watching you spar with someone else on the team and being so fucking proud when you pin them.
“That’s my girl.”
Okay but you would constantly be hacking each other’s Instagrams and posting dumb pictures on there.
Him holding your hand when he’s driving.
Singing an off key duet of Sunday Candy whenever you’re in the car.
Wearing his Air Force t-shirt with his name on the back all the time.
And he fucking loves it, let’s be real.
Slut dropping together whenever a song with a beat drop comes on.
Pranks. No one is safe from the two of you. You prank everyone.
Sometimes you even prank each other.
Matching footsie pajamas.
Him getting v v jealous whenever you’re talking to Bucky.
You and Bucky plotting to get Sam mad by pretending to flirt.
Constantly singing the best Disney duets.
Going to DisneyLand together a lot and getting those cheesy couples shirts.
He would love to kiss your cheeks and it would be super cute because he’d always be doing it.
The public would all agree that you guys are relationship goals.
A lot of hand holding.
Him playing with your hair a lot.
You would make fun of each other a lot, but that’s Sam and [y/n] language for “I love you”.
Being in love with your best friend.
Hilarious pillow talk.
He would love you more than anything in the whole entire world.
I never watched the episode that “Here comes a Thought” is from so maybe theres more context lmao but my fav part of the video is when Connie is like “Something I did that failed to be charming :/” and it flashbacks to her fuckin suplexing this dude that just bumped into her…instantly breaking his spine
Like YEA IT WASNT CHARMING U JUST MURDERED MARCO DIAZ..WHATD HE DO TO YOU
sorry I cant do scenery. I also took some creative liberties with design but heres part of one of my fav. moments from Mark’s Subnautical videos so far. (Can you tell I’m really digging them)
Also drawing hair underwater f-ing sucks. and while we are on the subject of hair, i do have to add that I am really digging the color thing Marks got going on. I was a little iffy about the pink at first, but man to I love it now. Not that it matters, home boy can do whatever he likes, just wanted to let ya’ll know.
So, I’ve been watching @therealjacksepticeye ‘s playthrough of “Night in the Woods” and I absolutely love it so far! These two, Mae and Gregg, are my favs. <3 This is from the bicycle scene, which was my favorite scene so far, especially for the visual effects. It was a nice little chill-out part. :)
I hope you guys like it, and Jack, if you see this, I really hope you like it too!
You know I’m gonna find a way to let you have your way with me You know I’m gonna find a time to catch your hand and make you stay I don’t care what clothes you wear, it’s time to love and I don’t care You know I’m gonna find a way to let you have your way with me
Clexa Week | Day 7 ➼ A song that you associate them with…
first of all /thank you/ for writing that, i look forward to your analyzations more than the live shows themselves tbh. they're so lovely. secondly, something i was reminded of in your post when you spoke about phil being equally attached to dan. i think it was a sims video(?) and phil was rambling about something and then went "i haven't seen you in like 10 hours, i wanna tell you all about ___" and it was so fucking cute
you’re so lovely this made me all warm inside to read thank you so much. ahhh the part you’re talking about is here in sims episode #16 and it really is one of my favs!!!!!!!!!!!! phil is just so candid there with how much he missed dan and even though he makes very little sense it comes across as so authentic and sweet :( they need each other so much :( :( :(
When you first start talking:
Hi there~ I'm a fan of B.A.P! My favorite song is "Badman" and my bias is Jongup *blush* I hope we can be friends and talk often :)
When you become BBFs (Best Baby Friends):
asjndkjsdkjgnr omg diD YoU watCH thE new mUsic video ofc u did u fucKInG loser lmao jk iLYSM omg BAP slayyyyyyyed my life omg omg omg my favorite part of the mv was the whOLE THINg what was ur fav part yoOOooOo did u see baNG YONGGUKS FUCKING EYEBROW ugghHHHH HE'S SO HOT asjbdkjnbkfj i love bAp so frejkaing much>?>!!!