#FinanceFriday

[goodsology]

Finance Friday

Hello! Time for some Finance Friday!

This time, I want to briefly go over how to create your own Redbubble Store. While Etsy may have more customers and is a bit easier to get customers without advertising, Redbubble is a good choice if you have little to no money, can't physically design your products, and you can't ship them out to customers.

Simply create your design, upload it to your Redbubble, and add your design to various products (ie stickers, t-shirts, mugs, hats, skirts, greeting cards, bed covers, notebooks, and more), and Redbubble will take care of the rest. When a customer purchases an item, Redbubble will make it and ship it off to customers.

Keep in mind though, this won't be a get-rich-quick scheme: it will take months of effort and adding items to your shop to see any results.

Finding your niche. What are your interests? What are you good at? What you'll design for your shop will depend on those questions.

Research. Of course, even if you find your niche, make sure people will want to buy that. For example, if your niche is sports and there's little to no market on Redbubble for sports, then you need to pick another niche.

Products to sell: stickers tend to be the most popular items on Redbubble, but customers will also buy other products too. You'll want to add as many products to your designs as possible, which leads me to an important tip:

It's sort of a numbers game. The more products and designs you have in your store, the more likely you'll make a sale. Of course, you should advertise your products on Tiktok, Instagram, and other social media, but having at least 100 designs in your store also helps.

Last tip: I will go over where to create your designs, how to come up with designs, and the best dimensions for your designs, but for now I want to give this last tip. You don't have to make 100 different designs to reach the 100 mark. If you make one design, you can alter the colors, patterns, shapes, etc. to make even more designs from it.

I hope these tips help and thank you for reading! :)

Also, feel free to check out my Redbubble store here.

[leveluponabuck]

Hey sis, I wanted to ask you how can a college student with a part-time job establish credit? I never got the proper education on what credit is and how I can build it. I want to be a financially independent woman who is smart with her bag and your page gives me the motivation to stay on top of it, thank you!!

Hi Girly!

Sorry for the late reply. Now to preface I will say I am not a financial advisor I've just made mistakes and to be honest I'm still learning. Here are a few things I've done that have helped me.

Open an Experian account: This way you can monitor your credit.

Look into starting a Fizz card. I haven't personally used this card, but it apparently it's a good card to build credit.

Pay your bills on time. If something is in collections, this doesn't automatically mean to pay it off.

Start working with a professional as soon as possible.

When you open a credit card. Always try to pay it off IN FULL way before it's due.

Have an emergency fund!!

Always pay more than minimum payments!

[bindupthesebrokenbones]

Note: This post contains Amazon affiliate links, and I make a small commission if you buy through them.

As we creep up on the end of the month, I wanted to think about different savings tricks and methods. One that I've noticed has become pretty popular over the last couple years is cash stuffing.

For those who don't know, the idea behind this is that you withdraw an amount of funds as cash and bring it home, then divide that cash into different envelopes or folders for different things you might be saving/budgeting for.

This might also be called envelope budgeting or "the envelope system".

For cash stuffing, all you need is cash and some envelopes. On each envelope, you write down a specific goal or category. Common ones are:

Clothes Shopping

Vacation

Take Out

Hobby Supplies

Fun

Keep in mind that you can use cash stuffing just for savings goals, OR you can use it for your entire budget system, including rent, bills, groceries, etc. Just remember that this is meant to help you, so if it's easier for you to pay your bills through debit/credit, make sure to leave enough money in your account for those things.

This is an example of a commercial budget binder than uses labels and envelopes (although the "envelopes" in this case are plastic sleeves rather than actual envelopes).

And here is an envelope set from Clever Fox, a planning brand that I'm very fond of. The envelopes in this listing have spots for you to not only name the category, but also track your budgeted (planned) and actual funds used for that category each month.

While the cash stuffing method is trendy right now, it's not new, and there's actually a fair bit of psychology behind it.

Neurodivergence

Some people struggle with budgeting for different reasons, but a common issue, especially for those of us with neurodivergent minds, is that the money in our bank accounts is too abstract. We see the number in the account and we know what it means, but for some people there's still a disconnect in the mind about how much money is actually available to spend.

Using a cash method when feasible allows people who struggle with digital money to hold their funds in their hands, and completes that connection of "this is what I have" to "this is what I can spend". Dividing that physical cash into clear categories, labeled and separated, also helps with that connection.

Age

A cash method for spending/budgeting is also a great way to teach your children about money. Many people might mock parents who give their kids "allowances" and "charge them rent", but in many cases these parents have just set up a system that works for them and their kids to teach the children how spending works.

Personally, I think it's a really good idea. Starting your kids early with something low stakes like a $20 monthly allowance and, say, $3-5 "rent" shows them how to budget long before they have to face that concept in the real world.

Plus, kids love to do things that they see their parents doing - that's why children love kitchen sets and toy grocery stores so much!

Family

My last major reason for suggesting the cash stuffing method is that it's a good way to get the whole family on the same page if you share funds. How you determine "whose money is whose" is your business, of course, but if you have a family fund, using the envelope method can help identify clear boundaries and limitations on spending. You can also use this as a family activity - every week, two weeks, or month, the family all sits down together to work out the budget.

Whatever reason you might have to try this budgeting method, if it works for you, let us know! And if it doesn't, let us know that too, and why!

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Financial Freedom Fridays: 10 Tips to Boost Your Savings Today

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[therosebuzz]

With everything going on, I kinda been under the weather and stress because everyone that around me is freaking out about about COVID-19 which causes me to freak out. All I can say is take this opportunity work #Selfcare meaning boost your immune, practice social distance, educate yourself, spend time with your family, do at home workout, and cook more instead of eating out. Remember to wash your hands. “Washed Hands Lead a Healthy Life” Hope you all have a great #Saturday 🌹 I apologize about the #FinanceFriday will continue on until further notice. ___________________________________________ #nycblogger #igdaily #nyc #peaceofmjnd #picoftheday #photooftheday #selfcareforall #mentalhealth #emotionalhealth #physicalhealth #instahealth #socialdistancing2020 #socialdistancing #health2020 (at New York, New York) https://www.instagram.com/p/B-Aa0k_BAVL/?igshid=uwkiy9ofjsuc

[goodsology]

Finance Friday

Hello! Time for another Finance Friday!

I will go over where to create your designs, how to come up with designs, and the best dimensions, along with other tips I didn't mention in my last post.

Coming Up With Designs. The best way is to look at other stores, especially those with the highest sales. You do not want to copy them, but take their idea and make it your own.

Dimensions for Designs: It all depends on what products you want for your design. You want to make it look nice on your product, be it a t-shirt, sticker, hat, etc. and you also want the design to be visible. But in general, 9075X6201px for most products. However, when designing, I aim for 3000X2000px due to the size limit for Canva. You can always resize it! This also leads me to my next tip:

Where should I design my products? There are plenty of options to choose from. Canva, Bazaart, Photoshop, etc. Feel free to pick the best platform that works for you and your budget, but if you want a free and reliable option, I'd recommend Canva.

NOTE FOR LAST TIP: For graphics, you cannot just stick the already-made graphics from Canva onto your products and sell them. You have to alter them in some way (change their color, size, add text to the graphic, etc.). Not doing so might put your store in jeopardy. And yes, some people still do this and don't get caught, YET at least! This isn't to attack but simply point out if someone has any copyrighted text or graphics, that doesn't mean you can do the same thing (and for pro graphics, you have to either get the free trial or buy the pro version to use them). This leads me to:

Avoid using copyrighted text and/or graphics. Some words are copyrighted and you may not even know it, even after checking it online. One of my designs was taken down due to using the word "Champagne" and my appeal was rejected. Luckily, I had yet to make money from that but keep in mind that this can happen to you too. But, don't worry. Some of your designs may be taken down, but as long as you're not using tv, cartoons, anime, etc. in your designs, your store will be fine.

Make your designs transparent. It's another small tip for designing. If you don't have the pro version of Canva, there's always Bazaart. You can remove the background from your images for free.

Last tip: Make seasonal/holiday designs. More likely than not, people will buy any designs that are in season or for a holiday (ie Halloween, Christmas, New Years, etc.). Try to aim for at least 3 designs that you market at least 3 months before a holiday or sometime during the target season.

I hope these tips help and thank you for reading! :)

Also, feel free to check out my Redbubble store here.

[leveluponabuck]

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[bindupthesebrokenbones]

Hi there everyone! It's Finance Friday again and today I've come to talk about the homemade vs store bought debate.

Am I afraid? NO!

Well. Yes, a little bit.

Homemade vs. Store Bought has been an ongoing debate online for years at this point. It's not new content, and I know that people are probably tired of it. Bear with me, however, because I like to think that I have a shiny new outlook on things.

What do I mean by Homemade?

Before we get into the meat of the post, I want to define a couple things. "Homemade" in the context of this post means any food or home goods that you make at home using whole (or as close to whole as possible in your area) ingredients or basic supplies (such as fabric, wood, yarn, etc).

For this post I won't be going into the really raw homemade area, where you grow/raise your own food or harvest your own wood/fibers or other supplies. I may address that level of homemade later on, but not today.

What do I mean by Store Bought?

In the context of this post, Store Bought strictly refers to a complete/finished product. Think of buying fast food, frozen meals, ready to eat foods from the local deli, or finished products like pillows, blankets, towels, books, journals, decorations, and so on.

For the purposes of this post, things that are considered ingredients, but aren't necessarily whole ingredients, such as store bought spices, oils, flours, sugars, etc will be counted toward the homemade section.

The Argument for Homemade Products

Homemade products are great for a lot of reasons. When it comes to food, you know what ingredients are going into the food, there are fewer preservatives and artificial dyes, and when you cook homemade you can be aware of and eliminate allergens more easily.

For handmade goods like furniture, decor, clothing, etc, you have the ability to choose where you get your materials, and sustainably source them if that's something you value.

No matter what you're making at home, there is often a sense of pride and accomplishment that accompanies completing a product that you've made from start to finish, and this accomplishment can be a big boost to our mental and emotional wellness.

The Argument for Store Bought Products

If store bought products didn't have their benefits, we wouldn't have as many supermarkets as we do. Buying ready to use products, or products that are quick and easy to assemble, is convenient and saves time. The store may also have products or foods that you can't make at home, either because the process requires expensive equipment that you don't have, or the ingredients may be out of season or completely unavailable in your area.

Buying from the store also means that people don't have to learn how to do things that may not interest them.

Cost Comparison

Alright, it's finally time to get to the point of this post: comparing the cost of homemade vs store bought. This is the argument that circles social media almost daily. So, which is more cost efficient?

The truth is, whether you like it or not, that answer is dependent on an individual's situation. I say this because when we're talking about cost efficiency of homemade or store bought products, it's a conversation that needs to address not only the financial/monetary cost. You must consider monetary, time, energy, and social costs.

Homemade goods are often cheaper by the dollar unit. By this I mean that the volume of ingredients or supplies that goes into something you make at home is going to cost less than buying the finished product from a store. For example, in my area, let's look at how much it would cost for me to buy a Whopper from Burger King vs making it myself:

Whopper from Burger King: $7.19

Whopper at home: $2.88

Ground beef: $5.93/lb ($1.48 per serving)

Slicing tomatoes: $1.98/lb ($0.12 per serving)

Green Leaf Lettuce: $2.14/ea. ($0.24 per serving)

Mayonnaise: $5.98/30oz ($0.20 per serving)

Ketchup: $3.98/32oz ($0.13 per serving)

Pickle Chips: $2.47/32oz ($0.15 per serving)

White Onions: $1.27/ea. ($0.15 per serving)

Sesame Seed Buns: $3.28/8ct. ($0.41 per serving)

As you can see, one Whopper made at home would be about 60% cheaper. However, most of these ingredients can't be bought by the serving. The first price listed for each ingredient is what I would spend if I had none of these ingredients at home, and in that case my grocery total would be $27.03.

One could argue that in the long run, the homemade is still cheaper because you can use those ingredients for more than one Whopper, or for other things, and that's 100% true. In a situation where you have $30 and you need to buy food, I absolutely recommend buying the groceries and stretching them out.

What if, however, you only have $10? What if you're homeless, living on the street or out of your car or hotels? How will you store and prepare those groceries? What if you have the $30 but you have absolutely no time in your schedule to set for cooking?

These are, of course, symptoms of a larger problem, but they still have to be considered in this argument. Too often I see people living paycheck to paycheck being scolded or mocked for grabbing a fast food meal or eating frozen meals when that's all they have time for before running off to their next job, or all they have energy for.

I've said it before on this blog and I'll say it again: Fed is Best. Your first priority in any situation is to have your basic needs (food, water, clothing, sleep, and shelter) met. In a society where it's a struggle for so many people to have all those needs met on a daily basis, there is no room for judgment on how they meet those needs.

On the other side of things, fast and cheap does come with it's own cost. When you save on time and money you're sacrificing things like nutrition, control, sustainability, and sometimes overall health. For some people, those things are too high of a cost themselves, and that's perfectly okay. No matter what, you have the power to make those decisions for yourself.

Conclusion

In the end, it's up to you to weigh the costs and benefits of homemade vs store bought and make that decision for yourself and your family. This is a long-running argument that often dips into the political aspect of things, and it will likely continue for a lot longer.

For your household, to make sound and informed decisions one way or the other, remember to keep these costs in mind:

Financial - the dollar amount that you spend or save

Time - how much time it takes you to complete the task

Energy - how much effort, both physical and mental, that you have to put into the task

As long as you remember that all of these things count toward the final cost of your decision, I know that you'll be able to make the choices that work best for your situation.

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