#you need a budget

[davidl2001]

How Apps Can Help You Manage Your Personal Finances

Personal Finances Managing personal finances can be a daunting task, especially if you have multiple streams of income, debts to pay, and several expenses to track. Fortunately, technology has made it easier for people to manage their finances efficiently. Apps are now available to enable you to track your expenses, manage debt, budget, and invest your money. With the right app, you can stay on…

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#Personal Finances #YNAB #You Need A Budget

[exsumer]

#you need a budget

[marvelsmostwanted]

This is sad but unfortunately I think this is just going to be the norm for the next few years as streaming services die a slow death.

HBO Max should in theory be able to make money from a show that was at one point the top new series in the US. At the time, David Jenkins said "This is what happens when a major media company invests in inclusive mainstream stories" (agree!) but unfortunately that major media company, like all streaming services, has a terrible business model that can't support that investment.

This is an interesting article about how streaming services are losing money and scrambling to make it back by trying to convince people to buy cheaper, ad-supported options or bundling with other streaming services. Unfortunately for them, I think that's like... all of the options? At some point they're just going to continue to lose money. Making shows is expensive and very few consumers are willing to pay more when they could just cancel and use a cheaper service (or, you know. 🏴‍☠️)

This is also a good article that was written after Shadow and Bone was cancelled by Netflix about whether it could be saved:

"The problem is that while saving shows used to be plausible, at times, the cost of Shadow and Bone combined with the fact that streaming services are really, really starting to cut back on spending means that this would be an extremely tough sell. WB Discovery’s Max is being lambasted for killing finished projects for tax breaks to chip into its massive debt. Disney Plus has done the same thing and has said they will cut back on things like expensive Marvel shows. Amazon Prime is mired in expensive creator deals going nowhere and throwing insane amounts of money at projects they are realizing are not panning out. Paramount Plus losing $500 million a year. NBC’s Peacock is losing $650 million a quarter."

TLDR; Streaming services have reached such a dire point financially that they have to cancel some of their most popular content (Marvel shows on Disney+???? These have seemingly been very successful; it's wild to read that they're "cutting back") in the desperate hope that a new season of something that's cheaper to make will get more attention.

What I gathered from these articles is that steaming services are dying a slow death and sadly, a lot of good shows are going to go with them.

#as a teacher i'm Very Familiar With Budget Cuts and listen #when they start doing stuff that doesn't even make logical sense you know it's bad #this is the point where they're pointing at chairs in the break room being like 'do we really need that' #streaming was a terrible business model in the first place #subscriber services are pyramid schemes no i will not elaborate #mine #our flag means death #ofmd #rip in peace #where else can i watch con o'neill tho #him saying 'ooh daddy' haunts my nightmares i want to watch all of his content

[bisexualbaker]

Crochet Pattern for Palestine and Israel Relief

At long last, it's done!

This crochet pattern is for small cats, of a good size to make into keychains, magnets, or even hair clips! There are six PDF versions available:

- US stitch names in 12 point Atkinson Hyperlegible - US stitch names in 22 point Atkinson Hyperlegible - US stitch names in 22 point Comic Sans

- UK stitch names in 12 point Atkinson Hyperlegible - UK stitch names in 22 point Atkinson Hyperlegible - UK stitch names in 22 point Comic Sans

Between those six options, that should cover most pattern accessibility needs. If you need something else, though, let me know! I'm prepared to offer a .doc or similar file on an individual basis if you need a screenreader to access crochet patterns, and have a sheet I can use to translate things to German stitch terms (though more in-depth instructions would still be in English). The pattern is worked primarily in (US) single crochet/(UK) double crochet, with the ears in (US) double crochet/(UK) treble crochet popcorn stitches, and is bundled with similar file options of a popcorn stitch tutorial PDF (no stitch names used).

"Socchan," you say, "These cats are super cute! And you said that this pattern is for charity? How does that work exactly?"

I'm glad you asked! Simply donate a minimum of $3 or close-enough local equivalent to a related charity, then take a screencap of your receipt/proof of donation. Block out any information that could doxx you; it's nice if you trust me, but it's not impossible that my email could get hacked, and I want you to be safe! Finally, email the altered screencap to socchan (at) protonmail (dot) com.

Once I get and check the screencap, I will email you back with a link to a MediaFire folder and the password you'll need to open the PDFs. Yes, it is a bit of a pain to need a password to open these files, but this was the simplest way I could figure out how to do things without needing to upload and send a minimum of six files to every person. Download as many of the variations as you want, keep a copy of the password somewhere safe (and don't delete the email with it), and go to town!

As a bonus, if you take your donation up to at least $5 (or close-enough local equivalent), I'll throw in an additional link and password for a very cute little flower pattern!

"That sounds pretty easy," you go on to say, "but where should I donate? There are so many options to choose from!"

No problem! Here's a couple of short lists of options that can help you narrow things down:

Palestine: Palestine Children's Relief Fund - Focuses on medical aid to children in Palestine Medical Aid for Palestine - "[H]elp MAP respond to the ongoing emergency in Gaza, as well as provide medical supplies, support healthcare services and deliver long term development to healthcare in the occupied Palestinian territory and Palestinian refugee camps in Lebanon." MAP reportedly has a team on the ground in Gaza, providing critical medical aid. Anera - Providing food, hygiene kits, and medical care in Gaza, the West Bank, and East Jerusalem. Palestine Red Crescent - More medical support in Palestine; the rest of the webpage is in Arabic, so be prepared if you want to click around at all. Basically the Palestinian Red Cross. Gaza Cemetery Project - "Al-Hamdulillah, a ​​5,500 square meters’ piece of land has been secured to create a public cemetery for the city and neighbouring areas." This area still needs a fence to protect the burial plots before it can be used.

Israel: Zaka - A group of first responders and people who identify bodies and prepare them for burial (sadly, sorely needed right now); they are in need of safety equipment, medical supplies, first aid kits, and more. Red Magen David - The Israeli/Jewish equivalent of the Red Cross; first responder medical support and similar. (This one has some pretty immediate upsetting text, so take care!) Hatzalah - Similar to Red Magen David, another first responder and emergency medical group. The Koby Mandell Foundation - Focuses on bereavement aid in Israel for people who have lost loved ones in traumatic circumstances; they've got support hotlines and can arrange for support visits, among other things. The Refuser Solidarity Network - Providing support for Israeli citizens who refuse government mandatory military service.

I think that's everything, aside from: Please Signal Boost! If I end up having to send out two hundred emails in the next couple of days, that still won't be too many.

#signal boost #crochet #crochet pattern #israel #palestine #fundraiser #gaza #if you can't give much #or if you need to take out of your entertainment budget or something #but you still want to help #this is an option for you #id in alt text #now with a fixed typo!

[stuckinapril]

reminding myself on this busy morning that i also have dreams of taking piano lessons & singing lessons & also honing my writing skills & absorbing as many books as i used to when i was a kid & at the very least taking up cute tennis dates & dabbling into art & just becoming an artistic generalist. also reminding myself that there are pre-meds out there who managed to pursue something they’re passionate in (some are even professional athletes) & still excelled in medicine & if they can do it so can I

#Delusional? Maybe a little bit but this is what i wanna do w my life and I don��t wanna choose one or the other #If I drop science/medicine I feel empty #If I don’t have my creative outlets I feel empty #My existence is a symbiotic meeting of these two facets #It’s possible bc other ppl have done it but I just need to achieve godly levels of time budgeting and drive basically #I was raised on the belief that if you want something badly enough you’ll make it happen!! So that is what I’m going 2 do #I mean when I make it to residency the 80 hr work weeks probably won’t allow for much lol BUT #I don’t like the popular opinion that med school doesn’t allow time for anything else. #So many med students have said that u have plenty of time & that it will be a period of self discovery exploration etc #Idk we’ll see. But!! I intend on making this work. #p

[awakefor48hours]

I swear tumblr zoomers describe Korrasami's relationship like historians looking at actual gay relationships

"They were just good friends"

"Their relationship was so ambiguous"

"There was nothing too special with them"

#korrasami #i need you guys to understand #the censorship that korrasami faced #was SO MUCH DIFFERENT and aggressive #than the censorship that relationships like lumity face today #i understand that korrasami seems underwhelming #but keep in mind #their relationship being this watered down/censored #almost got the entire show completely nuked off the planet #if you are going to say some nasty shit about korrasami #(or even just the legend of korra as a whole) #do your research about the BS bryke had to face #you need to understand the misogynoir/queerphobia/bad scheduling/unclear direction/budget cuts/etc #that they had to face in order to do this #ALSO this is factually wrong #as korra and asami canonically kiss in the series

[twilight-deviant]

Watcher fans sure are entitled and a little insane, ngl. "No one is going to sign up for your service! We're all poor! You've made the worst decision, and you'll be back in no time!" Saying this directly to the creators really reminds you of how low the respect for people you don't personally know has gone. I miss the forth wall between creator and audience.

I get and fully understand not having the money to support them, but... Watcher does have fans with money. A lot of them actually. They have merch sales. Their live tour sells out most venues. They have thousands of supporters on Patreon, where the cheapest tier is $5. They're able to gauge the rough finances of their staunchest supporters; that's how they landed on the subscription price. Yes, this move will reduce their viewership in sheer numbers, but to say all of their fans are broke and none will follow/support is factually incorrect.

It may not be a decision everyone agrees with, but severing the limitations of advertisers and youtube in favor of artistic freedom is a good thing. Yes, even if it comes with a loss of revenue. They understand that risk.

Also, I'm begging people to stop treating this like "another Netflix" or something and instead look at it as, "I am supporting a creator I like, similar to Patreon." They literally said in the video that they don't care if you share accounts. Get five friends, and you'll pay $1/mo.

I hate feeling compelled to rant in favor of their decision because I have my own reservations about whether it's the best move. However, I know it's not a choice they made lightly, and I like to think they understand that they'll need to branch out like crazy to entice subscribers.

#Fair-weather fans #I speak as someone currently undecided if I'll sign up for their service or not #I have my own budget to consider #But the waves of people poor-mouthing AT Watcher directly is ridiculous and embarrassing #“They're underestimating how many of us are poor” #Okay but that's not how business works #They just need enough people who aren't poor #and they may well have those numbers #Do you think they would have made such a drastic decision if they didn't??? #If they want to focus on fans who support them even if their hard work isn't free that's their choice #People are trying to be so anti-capitalism on this they've actually circled back around to saying #“Just take ad revenue from these companies so they can profit off your content and I don't have to pay out of MY pocket.” #That's... that's not the anti-capitalism stance you think it is #Maybe (and this is crazy) asking for a few dollars directly instead of through the vehicle of youtube‚ google‚ and all its advertisers is #... not spitting on the fans? #Please stop trying to guilt small content creators to their face while simping for large corporations #Watcher

[quietwingsinthesky]

now that my friend pointed it out i cant stop thinking about the design of the tardis in the tv movie because 1) it was gorgeous but 2) that was a home. that was his home. he had a chair to lounge in and a record player. seeing the tardis in the tv show, that one huge console room, bigger on the inside and yeah, it’s impressive but it’s functional. (i’m assuming this is a budget thing, because it would probably be extremely impractical to have the kind of set they put together for the tv movie for every episode of an actual show lmao.)

there’s just something so. i think it’s the first time i’ve really looked at the doctor in the tardis and thought, right, he lives in there. rather than it just being his car. it is very funny to think of the doctor as a guy living out of his shitty van, but no, the tardis can be a home. it can be warm and comfy and full of knick-knacks.

#doctor who tv movie tardis set i LOVE you. its so pretty #can we talk about the set design in that movie actually its so fucking good #like i know its haha movie bad but fun. but holy shit that set was actually gorgeous. who made that. i need to kiss them. #im kind of miffed now that the show got a bigger budget and used it to make the console room even bigger but even more sterile looking #i think this is another reason i like twelve too. twelve’s just got shit in there. chairs and blackboards and his guitar. it still feels #like he’s living in his van rather than a proper house but it *does* feel like he’s living in it #anyway. let fifteen put some knick-knacks in his console room. #doctor who

[post-human-oddity]

i live in a walkable ish city, for the first time in my life

i just paid $7.50 for a coffee

the price of coffee has gone up has increased so much over the years (bc of inflation i don’t even think this was a particularly expensive coffee), and it would be easy to just make it at home for a fraction of the cost…

But also… for $7.50 (which is a lot of money when you are disabled level broke) I was able to:

- Leave my house

- Get 15 ish minutes of feel good movement, walking and learning to navigate my local area

- Engage with 3-4 community members, not even trying to socialize, just ones i’ll likely bump into the times i go out; thus helping to establish my place in an unfamiliar environment

- Achieve the sense of fulfillment that comes with independently carrying out a desire, engaging with the world, and feeling autonomous and capable

I don’t even like coffee. This was not about the coffee.

i could have also walked to the grocery store and spent $1 on a bagel, and checked likely all the same boxes. today i just chose to try a coffee shop, but as a broke person i have to over analyze the cost of things, which led me to philosophizing over this in a way i wouldn’t have had to if it was only $1..

which led me to the conclusion, as always, that you cannot budget your way out of systemic poverty, and you’re not a bad poor person for spending a couple extra dollars on something premade from a cafe

#cripple punk #walkable communities #punk culture #disabled #community engagement #hope punk #i say walkable ish because on days i’m healthy enough to walk and think for myself i can get around #on days i would need to rely on a wheelchair it could just never happen #but this is the closest i’ve ever lived to a store and therefor feels so much more accessible than anything ever has before #you’re not a bad poor person for buying coffee #you just can’t budget yourself out of systematic poverty

[luminant-lepidoptera]

I know that official dolls of the other 4 Lords in Black were never made for mass production, since Wiggly is the only one whose face is made of plush material, while the others' faces are made of some kind of hard modeling material, but... I hope Team SK know that I will absolutely spend another $200 to have the whole set.

#I already have a Wiggly and I need the rest of them #If only for people to be like “wtf are those creepy care bear lookin' ass things you have there?” #Only for me to immediately respond with “oh you don't know?” and begin invoking the names #I mean I spent more than $200 on my Nibbly costume so... I have problems with budgeting when a new hyperfixation comes along #StarKid #Nerdy Prudes Must Die #Hatchetfield #Lords in Black #Pokotho #Bliklotep #T'noy Karaxis #Nibblenephim #Wiggog Y'wrath

[myloveismineallmine]

i think the problem about the watcher situation is they literally only produce like 1-2 videos a week. if you have a channel like GMM or smosh that produce 5-6 videos a week, maybe the monthly paid subscription would be feasible? but even those channels put the vast majority of their content out for free and just offer an optional paid membership to get exclusive content. paying anywhere from $1.50 to $0.75 for one 20-40 minute video when actual streaming services offer you hours of content for around the same price just does not feel equal at all.

#watcher #i also liked their content when it felt lower production tbh #most actual reality tv IS lower production #why do you need a film level budget to watch steven lim eat caviar or to watch ryan be scared of the wind

[dkettchen]

Watch Nimona, guys.

Watch Nimona and then go buy the comic and also read Nimona, cause as nicely streamlined as the movie is they did change the style quite drastically (proportions and stuff, I’m not on abt the 3D-ness or the adjustments to make characters visually fit their cast better) and Nate’s original art is GOOD, and they left out some things I really liked in the comic (where was big buff guy nimona you monsters ToT) and comic has slower pacing that lets you have some more time w the characters, yada yada

NIMONA GOOD, CONSUME NIMONA IN ALL ITS MEDIA FORMATS

#nimona #nd stevenson #I have been a nimona stan since long before either nd or me had our respective top surgeries #I own that shit in book format I need you to understand how FEW THINGS I own in physical formats #don't get me wrong: movie incredible very good #as good a movie adaptation as one could've made for it in terms of writing (and animation/visuals good too) #but alas #I am a comic person I must also preach abt the comic #I do also appreciate that 'letting the transmasc comic idiots have big movie budget for their stories' now has precedent #as that will come in very handy for my own career

[presiding]

genuinely admire those who were optimistic for dishonored 3 but in this videogame industry climate and [insert a 4hr video essay about arkane's recent history here], honestly, not getting dh3 is good news

#dishonored #arkane studios #i know its silly to meme when the take is nuanced #and i admit that blade is one hell of an aesthetic. but i'm sitting out of this #somewhat being a hater yes. but that is because i am a lover #i dont think its pointless hater-ing though to be critical of something i wish i could love more #my takeaway from arkane is that its better to be not a fan of a company. a company does not make games #a company's staff does. and those staff need to be treated well and given budget and breathing room to make good things #and i have my doubts about that at the moment. very well documented and supported doubts #if arkane is given AAA budget to make a game. it probs wont be another dh. except maybe a remake bc those are 'safe' bets. #ie. dh1 remastered would sell #judging by doto and even dh2 (which i loved even tho its flawed). i dont think arkane really 'get' why dh1 was magical #so im not sure that a third in the series could necessarily recapture it #especially as theyve confirmed they're closing the drawer on the current overarching plotline #this is the hater corner celebration! i am pouring you a drink! [pres why does this look like blood?] we like themes n motifs here! #pres rants in tags #anyway mutuals lets make a fan edition of dh3 for shits n gigs

[fisheito]

Grandpa: well. uh. *brushes the feather off yakumo's chin* hm. Why... don't we go,. help Grandma now

based on a snippet of this anon's ask

#WHILE WE'RE TALKIN BOUT BABY YAKUMO *gestures* #I'VE BEEN HOLDING ONTO THIS FOR A WHILE #if this were a scene where the animators don't have the budget to animate yakumo actually gorlfping the egg #it would show grandpa's reaction while the shadow of yakumo's head on the wall...unhinges... snaps back into place.... #giant lump travels down yakumo's throat #like an orange thru a straw...... #lil yaku with less control over his snakeyness... #blink and you miss it SNAKE EYES. NO SCLERA #anon u paint some very vivid pictures and i keep thinking of them #i need silly little snake backstories. of the flavour: mortifying (to yakumo)/hilarious (to eiden) #all of them mundane and endearing to his grandparents (they adapted very well to their new baseline of normal after raising lil snake child #ANON U SAID AN ENTIRE ALBUM #I WANT AN ENTIRE ALBUM #this tiny lanky child committing stupendous acts of body horror. casually. every day #venom milking? wait does yakumo produce venom? WHATEVER man puberty is a wild time we don't question it #sneczema!!! DESTRUCTIVE grip strength! hognose snake theatre!!!! i want it all!!!!!!!! #THE DAY THAT YAKUMO GREW EYELIDS! #ALL DOCUMENTED IN THE VERY IMPORTANT ALBUM #yakumo

[cringengl]

One thing I find funny about this poster in Mike's room is not only does it show a dragon either very unnecessarily over exaggerated muscles, suggesting that Mike likes guys (as posters of attractive people in various character's rooms often show sexuality) but the fact that the monster is conjoured by a wizard- Will.

(Although Will is referred to as a cleric most of the time, especially by Mike, he was originally a wizard I'm pretty sure, plus the Stranger Things fandom wiki also calls his DnD a wizard- Will the Wise is a very wizardy name- so I'm going to use this iffy logic for this post lol)

It's almost as if Will is revealing Mike's sexuality to Mike himself . Furthermore, the appearance of the monster in the poster is very demon like- corrating to the themes of the satanic panic in s4, suggesting that Mike sees his sexuality as sinful and 'freak'-like.

I also love how easy it is to apply the blue/yellow colour theory to this poster- the smoke is blue showing how this monster is coming out of Mike and the background behind the wizard is yellow which reminds the audience of Will, but my favourite part is how the monster is green. If we run with the concept that it represents Mike's sexuality, then you could also say how the green represents Mike and Will together- saying that not only is Mike attracted to men but he also likes Will.

#ik that the st set didn’t make this poster #however they probably chose it very carefully #i mean they have the budget to do so #also the whole is will a wizard or cleric thing kind of confuses me bcus i thought he was a wizard in s1 but then mike refers to him as a #cleric in s2 and ive heard people say thats so that el could be a mage so he changed wills class but idk i havent been able to find much #info on it that i understand at 12am :// #sorry if this post is rambly/doesnt make sense it is 12am atm so if theres anything i need to correct please put it in the comments!!!! #byler #stranger things #mike wheeler #will byers #mike wheeler i know what you are

[navybrat817]

Trying to budget and trying to save and trying to get Christmas gifts. 😭

No? Just me, lovelies?

#navybrat rambles #budgeting #adulting #where's my sugar daddy? #i just need some bills taken care of #😭😭😭 #christmas shopping #are you reading my tags? #go drink some water #stay hydrated my friends