#budgeting tool

[moolamore]

From Startup to Success: How Moolamore Cash Flow Forecasting Can Boost Your Business

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[moolahmorecashflow]

Personal Finance Apps Vs Budgeting Tools

A personal finance app allows you to keep track of all aspects of your finances while on the go, all from the comfort of your smartphone or tablet. It can assist you in keeping track of your savings, investments, and spending. It can also keep you up to date on changes to your credit score and track your bill payments. You can also connect personal finance apps to your financial institution to see where your money is going from your bank account.

A budgeting tool is an essential component of financial management. It assists you in tracking, recording, and controlling your expenses, income, and expenditure. Bringing clarity to your financial situation can assist you in making the most of your earnings and staying within your means. A budget tracking system is an excellent way to keep track of where your money is going.

Here's a great money management resource and dependable cash flow management tool for your company: Moolamore will provide you with visibility into your cash flow, so you always know where you stand in terms of expenses, income, and projected growth. Schedule a demonstration with us today!

[hellenhighwater]

Hmm....how hard can large scale mosaic possibly be? I feel like my plans for the room I'm working on could use something really shiny and impactful and maybe I want to make a fold-down cutting table and maybe I want to do it out of mosaic, even though that will be ungodly heavy.

It's a fun idea. I'm not sure if it's a good idea.

I haven't done mosaic since a one-off high school art class but I feel like the component skills are ones I already have, sooooo....

I have been keeping to a blue and gold celestial theme for both my guest room and my art workspaces, because if and when I move those spaces are likely to be combined. Cutting table, even though it would be for a different room, falls in the same vein, so I'm thinking something with a nice dark night sky and maybe some branches or leaves...

[anipgarden]

Cheaply Starting Seeds

This is my fourth post in a series I’ll be making on how to increase biodiversity on a budget! I’m not an expert--just an enthusiast--but I hope something you find here helps! 

Having a high-quality seed-starting setup can feel like an ultimate but distant dream. An entire shelf--an entire room, even, filled with grow lights and plant trays in the optimal setup to make tons of plants? Tons of garden tools, each with a diverse and dedicated purpose? That’s just not an option for some of us. But that doesn’t mean we can’t get started at a low cost!

Seed Starting Set-Ups

Speaking from a somewhat biased Floridian perspective, I’ve had great success starting seeds outside! My usual set-up is on a rarely-used outdoor patio table that’s moved to a sunny spot in the yard, but I’ve even grown seeds in solo cups on sidewalks, or directly in the ground, with great results! 

Some seeds grow best when they go through a cold period before germinating, while other seeds aren’t affected much by it and just wait for warm weather. As such, a viable option is to sow your seeds in late fall, let winter roll by, and wait until the seeds sprout on their own come spring! I would try and mark off where you planted said seeds, so you don’t lose track of them and accidentally dig them up.

Alternatively, if you want to get started while it's cold outside, a popular option I've seen is to grow in milk jugs! There's a lot of different ways to do it--everyone has their preference--but if you're already drinking things like milk or juice or sweet tea, and you're going to get jugs at some point in time--why not use them for gardening?

An easy way to clear up a section of lawn to create open gardening space is by using a sheet mulching or lasagna gardening method (though I like to call it the Cardboard Snuff-Out). Place cardboard or newspaper down in fall/winter to mark out where you want to garden. Layer compostable materials like grass clippings and wood chips on top of it, or potting soil/bagged compost. It’ll decompose over Winter into an organically rich bed that’ll have killed the grass and weeds underneath it. You don’t have to break out any tools and sweat over it come spring, and the cardboard itself will slowly decompose as well!

Though it's often recommended to plant things directly into the ground to decrease watering needs and increase nutritional independence, there’s plenty of reasons you may not be able to. Whether you’re renting, living in a place without a yard, or even just can’t or don’t want to break ground in a yard, you can still help biodiversity by growing in pots. Some plants have rather extensive root systems and aren’t well suited for pots, but there are still plenty of options available for plants that’ll boost biodiversity, be beautiful to look at, and grow just fine in pots! A recommendation is to get a larger pot, if you’re able, as it’ll hold onto more water and need watering less often. Not only are potted plants great for providing food for insects, but they can be shelter for other creatures too--there’s been a good few times I’ve moved a pot and found a frog or toad living underneath it.

If you don’t have room for pots on the ground, you could consider using hanging pots or window boxes! These can be great and easily-maintained options to provide food and habitat for insects and birds in an urban living situation like apartments or townhouses, but they can also be a fun way to add even more habitat to an already-robust home garden. You can even make an entire mini habitat in a window box or pot! I can personally say I’ve seen tons of pollinators visit my yearly hanging basket garden that consists of about five to seven plants, and I’ve always loved the idea of having a window box for blooms right out my window. Just make sure that it’s safe--make sure they’re securely fixed, and that whatever they’re hanging from can handle their weight when they’re freshly watered and loaded with plants. 

If you want to start indoors, you don’t necessarily need grow lights or heat mats (though it will make things a bit easier.) I’ve successfully grown milkweed, peppers, tomatoes, zucchinis, and even sprouted lemon seeds in college dorm rooms, and kept tomato and pepper plants in a dorm room on a sunny windowsill. For the most part, you need a nice and sunny window, some kind of container, and a source of heat (in my case, I used anything from a space heater to the warmth of my laptop running nearby. If you don’t have any sunny windows, or enough windowsill space to start plants on, its possible to obtain cheaper grow lights. One year, my mom bought me some gooseneck grow lights that could clip onto things for cheap off of Amazon. (Fair warning, though, they did light up my entire room in purple. I lived alone that year (covid year, my roomies bailed), so it was fine, but it was kind of trippy,)

Another year, when I was in an apartment on my own, I bought a grow light modeled like a normal light bulb from the lightbulb aisle in Lowe’s and put it in my desk lamp. Growing seeds indoors can make them grow fast and leggy, so it’ll help if you can keep a desk fan on them so they focus on growing strong instead of tall and fast.

If you’re fortunate enough to have a friend with a nice set up, you could see if they’re willing to let you borrow some of their space to start your own plants as well! My set-up in college was by no means High Class, but I was still more than willing to start seeds for my friends who asked!

Containers for Seed Starting

So now that we’ve talked starting seeds indoors and out, we need to address what to start them in. It’s important that whatever you’re using has drainage holes, and be large enough to support your plant (starting something like milkweed or a squash in a tiny little pot won’t yield great results). Fortunately, there are options here!

If you’re looking to buy pots, Dollar Tree will sell some small plastic pots for cheap in the spring! They’re kind of thin, and won’t last forever, but they’re great for a few uses and don’t cost a lot of money. Something that’s a bit more pricey but are longer-lasting, in my experience, are the Burpee SuperSeed trays. They come in different sizes, but I’m fond of the 16-cell trays--they have silicone bottoms and are made of a nice solid plastic with a tray to hold water, so they hold up for a long time and are easy to clean and reuse!

Burpee seed tray, my beloved.

What’s better than a cheap pot? Free ones, and there’s plenty of options there! I’ve seen people use toilet paper or paper towel rolls as pots by folding the bottoms in and have it work well for them! I think this method would work best if you had some kind of tray to keep them moist, because mine dried out fast last time I tried this method. I’ve also seen people make pots out of newspaper with a few different methods, and the people who use this method love it--apparently, the roots pass through the paper easier and it decomposes faster when buried, so you can just transplant the whole pot and avoid any kind of transplanting shock. If you don’t have any newspaper on hand, you can likely ask your friends or neighbors! 

I’ve gotten lots of mileage from reusing old containers by poking a few holes in the bottom with knives or scissors--just be careful while you’re doing it! I, personally, am more likely to use an already-used solo cup for it--they’re a nice size, so they hold a good amount of soil and moisture and give the seedling a good amount of root space. I tend to write the plant information on the side of the cup in sharpie marker, or on an index card in pen. I’ve also heard of people making use of egg cartons, fruit containers, yogurt cups, milk cartons, soda bottles--the more you start thinking about what you could easily poke a hole in, the more options start coming around!

This photo may be from 2018, but I'll still regularly reuse cups like this! They're also great for cuttings!

As you start planning to move your seedlings into the ground and preparing planting sites, you’ll likely need a few tools to do it! How do you get these? You may be able to borrow some tools from a neighbor! As long as you make sure to return them in good condition, depending on how friendly your neighbors are, they might be totally fine with you borrowing their tools for awhile. If you don’t want to take that route, there may be a tool library you can borrow from, or a mutual aid group that can loan you tools for awhile. Either way, borrowing tools is cheaper than buying them--though, if you do have to buy tools, cheap hand-tools from Walmart or the dollar store work just fine. They’ll even last a good while if they’re taken care of when not in use! I've even seen places like Ross sell some tools and pots in spring!

Spotted in a Walmart gardening section by the registers, 2023.

Of course, your mileage may vary with these. I genuinely cannot think of the last time my house got a newspaper, and as I've mentioned I don't have to worry about snow. Similarly, maybe you don't use plastic cups when you can help it, or don't have a particular affinity for eggs and yogurt. Maybe there isn't a tool library in your area--I sure don't know if there is in mine--but it could still be worth poking around and asking a neighbor!

That's the end of this post! My next post is gonna be about ways to support your plants for cheap--we're gonna be talking compost, mulch, and trellises. Until then, I hope this advice was helpful! Feel free to reply with any questions, your success stories, or anything you think I may have forgotten to add in!

[awoogaslashers]

[cryptvokeeper]

btw maybe I’m misremembering but do any other people who read the dungeon meshi manga remember the resurrection being a bit more…neutral?

like I haven’t read it in a while so I could be totally off base but I felt like the “dark magic” was much less scary in the manga. Like it was powerful, sure, and bloody, obviously. But the way the anime makes it all dark and ominous kinda makes marcille’s line about “there’s no such thing as good or evil magic” feel almost comical.

“Magic is a tool it has no morality” then why do you have eldritch whispers playing in the background, Marcille? Why do we have dark souls boss music here?

[ringingbell1978]

Bad Taste (1987)

[whatudottu]

Yo imagine instead of being small because Airachnid is vaguely a lady by human standards, what if she was built like a daddy longlegs spider and dwarfed bots after unfolding her copter blades?

They hate to see a girlboss winning 😞😔

[vermillioncrown]

woke up from a nightmare dealing w the logistics of batarang manufacturing

[neurodiverse-adulthood]

Tangible reminders/affirmations for codependents, ft. small artists on Etsy!

x x x x x x x x x

I made all gifs-- please link this post if you reupload!

[whathasangramainyudonewrong]

Wrong #484

Went in for his appointment with Kiara today

They both had nerf guns for some reason, and I’m choosing to respect doctor-patient confidentiality in this case

[moolamore]

Exploring the Best Cash Flow Forecasting Tools: A Comprehensive Comparison

Are you fed up with the financial uncertainty affecting your business? Do you wish there was a way to easily monitor and precisely predict your ins and outs, allowing you to make well-informed decisions about the next steps for your small business?

If so, you're in for a treat! Prepare to transform your financial management and planning as we explore cash flow forecasting with the industry's best tool, Moolamore. Discover its amazing features, advantages, and everything in between. This comprehensive blog guide will explain why this is the solution you've been searching for.

[moolahmorecashflow]

5 Ways a Budgeting App Will Change Your Financial Life

Without a doubt, budgeting is the most important step in sound financial planning, and if you stick to it, you'll be well on your way to financial security. In this day and age, budget trackers, expense trackers, and budgeting apps abound.

Mint, YNAB, and personal accounting and financial management software like Moolahmore are some popular budgeting apps. Each app has different features and benefits, so it's critical to find one that fits your needs and lifestyle.

Budgeting allows you to develop a routine, which is also an effective way to improve your financial stability. A budget also aids in the development of an emergency fund and savings for larger purchases such as a car or a home. A long-term financial security can also be built with an overall budget. Cash flow forecasting app

[artisticdivasworld]

DIY Art Supplies: Getting by on very little as a beginning artist

I’ve been on this kick lately about making my own art supplies. I mean, we all know how pricey those art store trips can get, right? Plus, there’s something incredibly satisfying about using tools and materials you’ve crafted yourself. It’s like adding an extra layer of creativity to the whole process. Let me share a few of my favorite DIY art supplies with you because I don’t think we have…

[yukarinuniversaltraveler]

I edited myself as Maki Zen'in from JJK.

[awoogaslashers]