#i want the fidget spinner but i want the physical cd

[spagheddiesquash]

me in 2019: yeah no i wouldn’t call myself an “old soul” i think my interests are fairly relevant. i don’t think i’d ever be one. me in 2024: .do yuo guys remember flappy bird and rainbow loom and minecraft letsplays and the dab and those shirts with the sequins and the cold shoulders on them and nightcore and animation memes and fidget spinners and vine and the area 51 raid and the day everyone posted chimneys and those memes where it was a character surrounded by heart emojis with some kind of motion blur around it and the magic card memes and funny reaction images and that thing everybody did where they put their arms in their sweaters and it made them look like little chickens or that one person with the hoodie who pulled the string things in all the way so it only showed their lips and then put sunglasses on over it so it looked like a funny face and. and. do you wanna see my cd collection or my books. can i have a physical copy of that book. i prefer my headphones to have wires thank u very much. yeah man i really want a flip phone or like. a refurbished older cell.

[spideybite]

Real talk...

Should i preorder the digital album for mania and get the fidget spinner or preorder a physical copy of the cd and get pins or something? Also anyone who has the fidget spinner tell me if its actually good quality

[janerowdy]

Ramblegons

Who doesn’t love hexagons? I know I do. Can’t get enough of them. However, comma, what about making hexagons? It wouldn’t be a problem if I knew where any of protractors were, but I can’t seem to find them. I want it to be equal lengths on all sides. I guess I could use sin() & cos() to figure it out the long way, but I really want to find my protractors. Now that I can’t find them, I need to have them. I know there’s at least one ruler in my desk drawer, maybe what I seek can be found in its dark depths.

With a sigh of regret, I open it and being excavating its contents, placing everything on top of my desk in the harsh light of day. Several rulers, index cards, old medication vials, and... calculators. Not one, but FOUR calculators. Of course there’s two of the classic blue & white TI-30XS MultiViews, the calculator that got me through all of chemistry, physics, calculus, & most of my other classes. I got a second one because I misplaced mine and couldn’t find it for several days, but, you know, I really needed it. I do not regret the purchase. Next is a black on black TI-36X Pro, very similar layout to my two multiviews, but it’s annoyingly different. Some of the more commonly used keys have changed places. I got that one when I went into linear algebra. I needed something with a bit more oomph, something that could handle matrices. Finally, that takes us to the behemoth that is a TI-84 Plus, and to be honest, I don’t know where it came from. I can’t even look at what’s going on inside it because it uses batteries only, and they’re long since dead. Did I get this one for matrices? Did I steal it? Who knows!

Well, the protractors weren’t in the desk, so maybe they’re in my box-of-random-crap. I dug through that thing for at least 30 minutes. I found a lot of great stuff, too. Tokens and cards from various board games, and old wallet with $70 inside (booyah!), pictures, notebooks, some CDs, a can opener, you know, all that good stuff. I also found some blank d6s that I had completely forgotten about. Time to get my dremel and paint supplies, I’ve been kicking around an idea that required custom dice. Hmm, I wonder, I bet I could also get custom d8s and d12s and what not. It’s been a while since I got to make something with my hands. Typing is great and all, but sometimes I just need the tactile sensation of things. That’s part of the reason I love board games so much. You’re there, and you’re connected to what you’re doing. I really don’t care about computer games anymore, been a long time since I did. I have fidget cubes and spinners, and knick-knacks, and doodads, and... just... stuff. I have them all because I need to be able to feel something solid.

I searched the apartment high and low, leaving messes in my wake like a tornado. I knew this would happen, it’s what always happens. So I cleaned up the box-of-random-crap, and I cleaned up my desk, and I cleaned up elsewhere around the apartment, and then I really didn’t feel like making the hexagons after all that. I just felt deflated, defeated. I know they’re somewhere around here, but I’ll never find them. So, I gave up, and went to youtube, like I too often do. Thought about playing a game of some sort, even though I’d feel disconnected. I quit. I filed that idea away in the “someday” cabinet.

Then I remembered exactly where they were, and when I opened the top drawer of my toolbox, there’s like five of them there to greet me. Apparently, I’d actually put something away in its proper place. I know, I’m just as shocked as you are. Time to make me some hexagons!

[kyurilin]

Brutal honesty hour!! R, S, T and V!

Thank fuck I'm finally home to answer these lmao

R- 10 of my curiosities

Volume always has to be either an even number or more preferably a multiple of five

Plain food=only food. The more extra stuff is in a food the less likely I am to eat it. Also if I don't know what it is I won't eat it. If it is something new but all the stuff in it is something I like I'll try it

My phone screen is completely app free because I'd rather just see my wallpaper (my phone screen is by default more organized than my life)

I can't stand open blinds particularly at night, it's probably because I'm still afraid of the dark

I have a hard time getting to sleep if I don't have the white noise of my ceiling fan so sleeping anywhere without that noise is a struggle

I will spend hours reorganizing our DVDs alphabetically but in the same day not clean up my room no matter how much it needs it

I become sentimentally attached to everything. I still have train tickets from my trip to England. I physically cannot get rid of stuff no matter how little value it actually has

I would rather spend shit loads on gas and be in control of my own arrival/departure times to places than rely on anything else to get me there with few exceptions, I'm super anxious about being late to places or just being in one place where I might not know everyone so it's better for me to just have my own way out

I can't read books on Kindle and I can't do audiobooks. I need to have the physical book. I don't want to have to plug in a Kindle while I'm reading, and I read really fast so audiobooks are frustrating (why listen to someone read me a book for so many hours when I can just read it myself in like 2). I know this limits me because of space and I don't even read all the books I do own, but a Kindle especially is a screen and I'm already easily distracted enough. If all I have in front of me is pages and I'm invested in the story, I'm good to go for a few hours.

I still buy CDs my favorite artists put out because I like to have the physical disc even though I don't listen to CDs anymore

S- 2 habits

Tapping my fingers while thinking

Fidgeting with basically anything (zippers, fidget cube/fidget spinner, pens, dice, whatever's in range of my hands)

T- 5 things I love unconditionally

Any dog in the world that I get to pet

The feeling when I get to meet an internet friend for the first time in person and it finally kicks in to know that they're real

Singing along to music with friends

Sharing interests with people and being able to just enjoy them

My entire collection of plushies

V- 3 big dreams

Go back to England, spend some more time over there and maybe go to Ireland and Scotland as well

Route 66 road trip, either with my closest buddies or Cars buddies. That's been a dream since I was 13, and I'm gonna do it one day

Meet as many internet buddies as possible, which I'm kind of already doing. Since 2010 when I got to meet the very first buddy (hi Gabby, I know you asked the question, let me have my tangent lmao), I've been ready to meet the others. And I've met a lot - each one has been a great experience and I just want to meet so many more of the friends I've found because boy did I not have many friends for a long time. A lot of people in a lot of places mean a whole hell of a lot to me and there's nothing I'd rather do than continue my now seemingly yearly tradition of getting to either meet new buddies or spend time with ones I've already met.

[uptightcitizensbrigade]

ANNIE DOES DALLAS!

(download pdf of article + pix here)

As St Vincent, she is the art-rock provocateur who has been declared the spiritual heir to David Bowie, fronted Nirvana, modeled for Marc Jacobs – and dated one of the most famous women on the planet. Andy Morris meets the singer in her Texan hometown. Photography by Kate Martin. Styling by Laury Smith

It’s shortly after 9am on a temperate Sunday in Lake Highlands, Texas. Clark is wearing a white Parisian minidress with a pair of tangerine Barbarella-esque boots that defy both the laws of physics and the sanctimony of the state. Clark’s brother-in-law Andrew looks up from his coffee, her niece Stella discards her fidget spinner and Clark’s mother, Sharon, snaps the first of approximately 1,000 photos she will take during the day.

At 34, Clark is one of the boldest individuals in music. Under the moniker ‘St Vincent’, inspired by both a Nick Cave song and Dylan Thomas’s last-known address, she specialises in tracks with a human feel and a machine sound. She exists in the creative intersection between Brian Eno, Joan Didion and PJ Harvey – by turns personal, political, fearsome and funky. David Sedaris sung by David Bowie, if you will.

In the past decade she has made five studio albums, including Love This Giant with Talking Heads’ frontman David Byrne. She sang Lithium with Nirvana for the Rock & Roll Hall of Fame, Prince watched her perform in New York and David Lynch booked her for his own festival. Clark’s last LP won a Grammy, beating both Arcade Fire and Jack White. She has spent the past year recording a radio show for Apple Music, directing a horror film set in suburbia and designing a unisex guitar – at some point she’ll also probably release a new album, which she has already described as “the deepest, boldest work I’ve ever done”.

Alongside her musical career, Clark has become the darling of the fashion set – and not just because of her relationship with British supermodel Cara Delevingne. Clark has appeared in a Marc Jacobs campaign, DJed for Max Mara and become a front row favourite, appearing at Burberry (alongside Kate Moss, Sienna Miller and Benedict Cumberbatch) as well as Chanel (alongside Karl Lagerfeld’s then seven-year-old godson, Hudson Kroenig, who happened to be dressed as an airline pilot).

But before her globetrotting began, Clark’s childhood was spent in this Dallas district. One of her earliest memories is of calling on her great aunt, a Texan socialite. Three generations would come together for a ‘sit and visit’ but even at the age of five Clark was easily distracted. “I remember  sneaking off to the bathroom where she had Bosch’s The Garden of Earthly Delights and then staring at that for a really long time.” She shows me the St Christopher pendant her great aunt passed on: “I haven’t taken it off since I started touring, bar the occasional photo shoot. I’m not sure she was particularly religious: I think her faith was ‘sherry’.”

Clark’s musical education began in Dallas. “It was really kismet,” she says. “There was a giant box of CDs outside our house one day. Someone with great music taste had been moving and it had fallen out of their car.” Clark learnt to play guitar with Tommy Hiett from Zoo Music and created a bedroom studio at home with help from her uncle, jazz guitarist Tuck Andress. She played her first shows in Texas – for a secular audience in a bar in Deep Ellum and a devout one in the First Unitarian Church. It was to Dallas that she reluctantly returned after dropping out of Berklee College of Music in Boston, aged 22. At this point her sister, Amy, suggested Clark might be better off getting a job at Starbucks.

We hit the road in a 50-foot ‘Entertainer’ coach, whose retro styling and racks of fringed clothing make it feel as if we are in danger of an Almost Famous style singalong. Clark clearly delights in showing us her hometown – it takes some creative chutzpah to pose like Anita Ekberg outside a venue selling a ‘Loaded Up & Truckin’ Burger’. Having spent ten years on various tour buses, Clark is agreeably no-nonsense. “Make sure you ask her what it’s like being a woman in music,” says her mother Sharon, mischievously. Her daughter offers an eye roll for the ages. “Yes, I really love justifying every decision I have ever made through gender.”

As we cruise along Interstate 75, Clark flips through magazines, alighting on Cara Delevingne’s Chanel ad campaign: “It’s the goof! She’s so pretty. That’s definitely what I’d wear to skateboard.” Delevingne has visited Clark in Texas: “I’ve never seen someone eat so many tacos!” We discuss the British model’s status – a lone irreverent figure on the catwalk. “For someone so beautiful and so lauded by the fashion industry, she’s the least vain person ever.” I ask if the pair are dating again. “Erm… I would just say we’re really close and important to each other. She’s the sweetest, kindest person. That charm and being genuine is a rare combination.”

We arrive at the last location: a cocktail bar called Lounge Here. The owner, Julie Doyle, managed and sang with The Polyphonic Spree, the befrocked choir Clark joined in 2005. “Annie was shy but eager,” Doyle explains. “She grew quite a bit as a performer and guitarist in her time with us. She was a star before she even knew it, I believe.” Clark recalls that particular tour with unabashed glee: “I remember feeling so cool – we’re playing all these stages around Europe. Sonic Youth is playing after us! People were big and friendly and fun and manic. It was a dream come true.” Clark’s travels have given her a newfound affection for her countrymen. “There is an openness to Texans: there’s a saying, ‘Don’t get too big for your britches’. There’s a premium put on humility, which is nice and very rare in the world.” Yet many misconceptions about Dallas endure. “Either people have seen the TV show or they think of cowboys,” she explains. “I can’t tell you how often I’ve said, ‘I’m from Texas’, and people say, ‘Oh, did you ride a horse to school?’”

The following day is what Texan traditionalists might describe as “hotter than a two-dollar pistol”. Clark picks me up in her own black BMW saloon. She’s wearing a black Tupac T-shirt and shorts decorated with skeletons. The look is a little ‘Wednesday Addams at Summer Camp’ – until she changes with delight into the vintage Pearl Jam T-shirt I’ve brought along as a gift (she lost hers after a close encounter with West Texan wildlife, immortalised in her track Rattlesnake). She reverses the car, turns off her Steely Dan album, tells a true crime story that chills me to the bone, picks up an iced coffee and we drive to White Rock Lake.

Clark has brought me to her teenage hangout. It’s a chance to see a different side to Dallas, under Cormac McCarthy’s ‘unsheltering’ Texan skies. We park between Boy Scout Hill and ‘Big Thicket’, before walking over Mockingbird Bridge. At one point a cyclist overtakes us, his stereo blasting the preposterous sax solo from Gerry Rafferty’s Baker Street. As he puffily pootles away, Clark doesn’t bat an eyelid. She thinks that Texas still has an ability to bring out strangeness. “Throw in a touch of fire and brimstone, a splash of cowboy spirit… and you have a Texas weirdo.”

The temperature rises and we take a seat in the shade. An elderly couple fishing nearby politely  enquire, “We’re not going to distract y’all are we?” I ask Clark about life on the radar of international designers. “I feel like fashion has given me two kisses on the cheek. It’s not a full bear hug,” she says. Clark agrees Dallas is a city obsessed with style: “If you’ve ever watched Frederick Wiseman’s documentary film The Store: it’s all footage of women in the 1980s at the downtown Neiman Marcus buying clothes. Back in that day, fur was the biggest status symbol in Dallas – because for 364 days it’s completely irrelevant. It’s hot in Dallas. All. The. Time.”

Clark’s own memories of her time in Dallas centre on attempting to extricate herself from her surroundings by sheer force of will. “I remember driving around this lake alone, listening to music, waiting for something to happen,” she says. “I wanted to find the cool people, who were doing things and living wild lives. And I naively thought if I just drove around with the windows down, listening to music that I loved, that people would see and go, ‘Oh, I also love this. We can meet each other.’” She prides individuality above everything else: “I think it was Brian Eno who said cool is the by-product of being uniquely yourself.”

Performing live remains a cathartic experience. “At times, it has been an exorcism,” she says. “There have been moments on stage when I can feel everybody’s sorrow, joy, fears, hopes. It’s almost like looking into a vortex…” She stops herself, keen not to sound pretentious. “I’m a person who is frankly allergic to spirituality – I don’t want to ever say ‘Namaste’ to a white girl.”

What’s clear is that Clark’s in a good place: spiritually, metaphorically and, for the next few days at least, literally. She has also shown what’s possible with a life on the road. How you can grow up in Texas, educate yourself in Boston, experience Europe, work out of LA, New York and Seattle – before returning to your family and the places you’ll never forget. Hell, along the way, you may even fall in love with a British supermodel who loves Mexican food. Travel gives you a new perspective on home. It teaches you to love the state you’re in.

[markdickinsonphotography]

Are you saving enough for retirement? Photographers and Creative Professionals I’m just like you.

Creative professionals, are you saving enough for retirement?

I woke up this morning, 37 years old, realizing I am no longer a full retirement package from where I worked as a police officer, panicking, wondering if I am saving enough for retirement. I have a 3-year-old, a family about another 20 years of work or more in me, So whats next? The money you earn from working is rewarding, keeping you happy but understand it will not always be there. You have to plan not only for retirement but also incidents like last week where I severely sprained my ankle and had to stay off for a couple of days.  Sometimes those incidents could be worse.

I have always monitored my finances, keeping a pyramid savings plan. So getting older, I have to focus even more on the savings for the future. I want to give you some of my experience with investing, learning how to save all the way from CD, Stocks, and savings. Check out a few of the tools that I use below. I offer no official financial advice but some of the tools that I have used. When investing, understand that there are several risks involved, loss of finances is a potential that your risk when investing in any forum.

Capital One Savings Higher interest than most brick and mortar banks

Stash Investing (iPhone/Android) ETF investing which is groups of stock 7% interest currently

Acorns (iPhone/Android) 4% interest currently

Ameritrade Standard Web based stock trading. 17% interest currently

Robinhood Stocks App Based, No fees to buy, fees to sell (less than Ameritrade)

These are just a few of the services I use to earn more money by making my money work for me. If you have any recommendations I would love to see your recommendations, leave a note in the comments!

I have always been conscientious of my finances, keeping track of credits, payment dates and saving for special purchases. This started back in High School prior to having a job, I would get 20.00 a week for lunch and spending at school. I broke that down into small bills and coins and had a folder I put it together for Gas, Food, Motorcycle, misc. Granted $20.00 doesn’t go far as it did then, but it’s still applicable. I would ultimately buy a loaf of bread, lunch meat, and oatmeal cookies. 50 cents for a drink About 7.00 would get me through the week. Remember I’m 15. I put the rest of the money 13.00 divided up and by the end of a month, I had about $50.00 saved. after a year I think I had 200.00 saved up. It was pretty impressive, well the savings my file folder was a mess, coins, and dollars everywhere.

Fast forward 20 years later and I am still doing the same thing, digitally of course and by using Capitol one 360.  It allows creating as many accounts as you’d like to organize your savings to your liking.  I’ve been with it since it was INGdirect.  Right now I am earning 0.20% interest. Bad, bad but not zero. From there I can create micro deposits daily or weekly to each account for savings. I even have one set up for our little baby. She’s going to need college soon too!

In my life, I have paid off 4 cars, 3 motorcycles earlier than expected. I haven’t owned many vehicles so I’ve kept them for extended periods of time. I have friends that have gone through as many I have had through my lifetime in a years time.

Where to keep your money?

Cash on Hand. This is the idlest currency and does nothing for you except be available when you need it. It doesn’t grow or earn interest unless you are purchasing other investments. I keep a minimum amount on hand just in case there’s an emergency purchase, there’s usually less than $500.00 since nearly everywhere takes credit cards. Catch me with cash on me it’s a miracle. Safer this way. Keeping your money in an interest bearing account is the best, let it work for you. Referring to my pyramid above, Not all the eggs in one basket. You’ve heard that repeatedly all your life so, it doesn’t change with finances either.

Thinking about physical investments? This could be physical pierces of silver, gold, property, or even sometimes a discontinued item. You might see in my pyramid a sliver between high-risk stocks. This is not fidget spinners, nor is it the next best thing. It generally is a product that has a long history on the market and then the company files bankruptcy or discontinues a product that was extremely popular. Currently, I have a few manual cameras that I am holding. Items that take up very low space and can sell in the future for nearly 2-3 x their original cost is a game of chance. Old camera grips and parts are another luck item. This worked well when Nikon Stopped consumers from purchasing normal wear and tear parts like grips.

When Should I start and how much do I need?

Now! Math is simple. Most of us could spare 10.00 a day. that translates into $100,000 by the time you are 65 at Zero Percent interest. Add 5 percent and you nearly double your money over that time.You’ll enjoy the calculator I use. I try to lock up about $3,000.00 per year on a CD with a near 1 percent interest. At retirement age I would like to have my pyramid grow wider at the top so that I can earn more, but the risk is higher. I imagine that I will have about 40 percent IRA, 30 percent in real estate, 10 percent in stock long term, 10 percent in cash,  10 percent in other investments. Ultimately when I retire at whichever age I hope to have 1-2 million saved in the bank. It might be shooting for the moon, but with hardwork and good returns you never know where it could take you. You might be surprised but it will take nearly $500,000-1.5 Million to effectively retire without needing to supplement money. If you are a photographer and you do not pay taxes, start now, pay into your SSI, and this will help you in the long run.

How much should you save?

As much as you can, seriously. Don’t over exert yourself, but if you do need liquid assets the adjust your pyramid to have more short term CD, or high-interest saving accounts. This way you can always have access. Start out with $5.00 per day or $150 a month. If you can afford more then do it! 150 a month will give you 1800 a year, $54,000 in 30 years. That’s definitely not enough to live off of but creates a pretty nice cash pot. Currently, I am saving $25.00 per day. There are ways to save money too. I will touch on those lightly but it all starts with the home.

Keeping your savings out of sight will help if you’re a habitual spender like I am. Lock them up for 6 months or 1 year and earn .5-1% interest. Unfortunately, the cd and savings accounts are really low on interest. It used to be plentiful when I first started in the 3,4 and 6 percent on some occasions.  This is why I have to diversify around between stocks, higher risk and alternative investing like bitcoin. Keep your options and mind open to alternatives but know that this type of investing is extremely risky and rare to make profits.

How to save on expenses.

I have a few steps that will save you in the long run but it takes discipline. I do not have cable tv, just internet. I have been this way since 2004. My mom pays for cable and her bill is around 200+ a month for tv. I personally can’t watch that much tv. I subscribe to Netflix and Hulu and watch some favorite creators on youtube. It’s enough entertainment for me. When I do want to watch a season I head on over to iTunes or find them on Netflix. I’m generally working too much to watch tv.  Shop Smart, cut back on excessiveness. We bought a freezer recently and Lindsay will get meets and other items that can be frozen either by themselves or with vacuum sealing. We do eat out some times which gets expensive with a 3 yr old and the two of us easy 35.00 a day. So cutting 4 eat outs a week can net you $100.00 ($140 but you have to eat so prepping your own food still has a cost) Round up savings and piggy banks. Literally. Piggy banks are a way to save about 14-20 a week if you use cash and get lots of change. This can be an effective addition to your cash set aside.  Cut on subscription services that you rarely use. Subscribe and saves, Ring doorbell video subscription or even a membership to some particular location that you might be able to sub out for a home activity like a gym. Turning your air up just 1 degree will also save you a bit of money per month. I have been a habitual “leave it on” where I’d go run out and leave the computer on. Now I have been shutting it down. We’ve also since turned our hot water heater temperature down a bit too. Reducing our electric bill down by about $40.00 a month.

        Where to keep your money?

Cash on Hand. This is the idlest currency and does nothing for you except be available when you need it. It doesn’t grow or earn interest unless you are purchasing other investments. I keep a minimum amount on hand just in case there’s an emergency purchase, there’s usually less than $500.00 since nearly everywhere takes credit cards. Catch me with cash on me it’s a miracle. Safer this way. Keeping your money in an interest bearing account is the best, let it work for you. Referring to my pyramid above, Not all the eggs in one basket. You’ve heard that repeatedly all your life so, it doesn’t change with finances either.

Thinking about physical investments? This could be physical pierces of silver, gold, property, or even sometimes a discontinued item. You might see in my pyramid a sliver between high-risk stocks. This is not fidget spinners, nor is it the next best thing. It generally is a product that has a long history on the market and then the company files bankruptcy or discontinues a product that was extremely popular. Currently, I have a few manual cameras that I am holding. Items that take up very low space and can sell in the future for nearly 2-3 x their original cost is a game of chance. Old camera grips and parts are another luck item. This worked well when Nikon Stopped consumers from purchasing normal wear and tear parts like grips.

When Should I start and how much do I need?

Now! Math is simple. Most of us could spare 10.00 a day. that translates into $100,000 by the time you are 65 at Zero Percent interest. Add 5 percent and you nearly double your money over that time.You’ll enjoy the calculator I use. I try to lock up about $3,000.00 per year on a CD with a near 1 percent interest. At retirement age I would like to have my pyramid grow wider at the top so that I can earn more, but the risk is higher. I imagine that I will have about 40 percent IRA, 30 percent in real estate, 10 percent in stock long term, 10 percent in cash,  10 percent in other investments. Ultimately when I retire at whichever age I hope to have 1-2 million saved in the bank. It might be shooting for the moon, but with hardwork and good returns you never know where it could take you. You might be surprised but it will take nearly $500,000-1.5 Million to effectively retire without needing to supplement money. If you are a photographer and you do not pay taxes, start now, pay into your SSI, and this will help you in the long run.

How much should you save?

As much as you can, seriously. Don’t over exert yourself, but if you do need liquid assets the adjust your pyramid to have more short term CD, or high-interest saving accounts. This way you can always have access. Start out with $5.00 per day or $150 a month. If you can afford more then do it! 150 a month will give you 1800 a year, $54,000 in 30 years. That’s definitely not enough to live off of but creates a pretty nice cash pot. Currently, I am saving $25.00 per day. There are ways to save money too. I will touch on those lightly but it all starts with the home.

Keeping your savings out of sight will help if you’re a habitual spender like I am. Lock them up for 6 months or 1 year and earn .5-1% interest. Unfortunately, the cd and savings accounts are really low on interest. It used to be plentiful when I first started in the 3,4 and 6 percent on some occasions.  This is why I have to diversify around between stocks, higher risk and alternative investing like bitcoin. Keep your options and mind open to alternatives but know that this type of investing is extremely risky and rare to make profits.

How to save on expenses.

I have a few steps that will save you in the long run but it takes discipline. I do not have cable tv, just internet. I have been this way since 2004. My mom pays for cable and her bill is around 200+ a month for tv. I personally can’t watch that much tv. I subscribe to Netflix and Hulu and watch some favorite creators on youtube. It’s enough entertainment for me. When I do want to watch a season I head on over to iTunes or find them on Netflix. I’m generally working too much to watch tv.  Shop Smart, cut back on excessiveness. We bought a freezer recently and Lindsay will get meets and other items that can be frozen either by themselves or with vacuum sealing. We do eat out some times which gets expensive with a 3 yr old and the two of us easy 35.00 a day. So cutting 4 eat outs a week can net you $100.00 ($140 but you have to eat so prepping your own food still has a cost) Round up savings and piggy banks. Literally. Piggy banks are a way to save about 14-20 a week if you use cash and get lots of change. This can be an effective addition to your cash set aside.  Cut on subscription services that you rarely use. Subscribe and saves, Ring doorbell video subscription or even a membership to some particular location that you might be able to sub out for a home activity like a gym. Turning your air up just 1 degree will also save you a bit of money per month. I have been a habitual “leave it on” where I’d go run out and leave the computer on. Now I have been shutting it down. We’ve also since turned our hot water heater temperature down a bit too. Reducing our electric bill down by about $40.00 a month.

        The post Are you saving enough for retirement? Photographers and Creative Professionals I’m just like you. appeared first on Mark Dickinson | Central Florida Photographer Serving Daytona Beach, Orlando, Lake Mary areas.

from Are you saving enough for retirement? Photographers and Creative Professionals I’m just like you.