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Money

74 SAVED IDEAS

Identify what matters to you

Managing your finances and budgeting is all about removing the unnecessary so that only the essentials remain, similar to minimalism.

Other than financial necessities, in order to easily manage our finances, we must identify the purchases that matter to us because it's easier to let go of the things that don't.

@aubrey336

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Money

You should never force yourself into a tracking system for your spending habits without examining your purchases and purging those that aren't working for you.

Even if you track your spending but you spend more than what you can afford, you're only giving yourself a false sense of progress and never getting to the root of whatever financial stressors you have.

Remove the daily, weekly, or monthly purchases that are not important to you or that you simply will not miss such as that extra charge in your phone plan or your gym membership subscription.

Assign your money into a savings category in order to be prepared for both expected and unexpected expenses.

Some saving category ideas:

  • Emergency funds
  • Retirement savings
  • Fun money.

Managing your finances should be a daily habit. Make it a part of your daily routine to log into your bank account, check your balances, and look over your purchases.

This will not only help you keep track of your money but you'll also be able to keep yourself updated as to what your money is doing and be ahead of any possible issues in the near future.

Both minimalism and budgetary wellbeing require standard upkeeps.

Neither process is easy to work and it is something that requires constant attention.

Special powers attributed to gems

Many legends from different cultures share the idea that jewels are of divine or superhuman origin.

  • The Amythyst was said to have been created from the tears of the Greek god Dionysus.
  • The onyx from Venus's fingernails.
  • Opals are said to be created when the Aboriginals' ancestral God came to Earth in a rainbow.
  • Moonstone was believed to be a way of communicating with the gods.
  • Jade still is used to attract good fortune,
  • Rubies are said to help in warfare.
  • Emeralds to protect travellers,
  • Diamonds to have powers over love and health.
  • Pearls were a symbol of power for kings, queens, Maharajas, and Chinese Emperors.

The power of jewels has been exploited by diplomats, traders, and lovers. The famous marketing slogan of De Beers is 'a diamond is forever' and creates the idea that all engagement rings must have a diamond.

However, a big sparkly diamond is not what makes jewellery so unique. People desire to have something more individual and affordable.

The First Iced Coffees
  • In the 17th century Vienna, the Turkish army left behind a massive surplus in coffee beans causing citizens to experiment with new brewing methods.
  • Another tale proposes that iced coffee comes from Mazagran - a French beverage consisting of espresso, lemon, and ice.
  • In Europe, iced coffee is more like a Frappuccino - a coffee milkshake with whipped cream, chocolate syrup, and crushed ice.
  • The Japanese method involves brewing hot coffee and pouring it over ice, drawing out its fruity tastes.
  • Cold brewing consists of mixing coffee grounds and water and letting it sit in the fridge for at least 12 hours. It is more caffeinated and has a nutty, chocolatey, and less acidic flavour.

Iced-coffee is enjoyed by 38 percent of people in the U.S. between the ages of 18 and 24.

One explanation for iced coffee's popularity is that young people, who have been raised on iced-cold and sugary sodas want to integrate it into their coffee-drinking experience. Another reason is that ice-cold coffee can keep you alert. It offers similar benefits as a Red Bull.

A cup of coffee costs more cold than hot. This is because iced coffee requires more materials to serve.

It requires a plastic cup that costs more than paper cups. Customers use more napkins because of condensation. Iced coffee requires an ice machine for the ice. Cold brewing coffee also requires more time.

Why Black Friday Is So Popular

Black Friday is the conventional starting day for the holiday shopping season.

Historically, it’s also been the best day to find great deals on the year’s hottest toys, games, and electronics.

  • In the middle of the 20th century, Thanksgiving parades drew crowds in most major cities and in some of the smaller towns too. Many were sponsored by local or national retailers. Back in the day, that meant mostly department stores.
  • By attaching their names to the most visible events on the preholiday calendar, department stores reminded their customers that they were open for business in the coming holiday shopping season.
  • Over time, Thanksgiving parades came to mark the unofficial start of that season.
  • Thanksgiving fell on the last Thursday of November since 1863 until 1939, when President Franklin D. Roosevelt moved Thanksgiving to the fourth Thursday of November (starting with 1941), influenced by the request of a powerful coalition of retailers.
  • When Thanksgiving fell on November 30, it left only 24 holiday shopping days and this worried retailers who reasoned that busy holiday shoppers would simply shop less in a shorter season.
  • They promoted the idea that a longer holiday shopping season would be good for the American economy.
  • In 1869, two oligarchs conspired to corner the American gold market, which was at that time the basis for the U.S. dollar.
  • Their plan was so complex and the plot finally unraveled on Friday, September 24, sending U.S. financial markets into a tailspin, ruining countless investors, and tanking the broader economy.
  • That dark day came to be known as “Black Friday.”

Black Friday wasn’t a great day for the police departments in mid-20th-century Philadelphia. By the 1960s, locals had taken to calling the chaotic day after Thanksgiving “Black Friday.”

In 1950s Philadelphia, Thanksgiving weekend was a mob scene. The Army and Navy college football teams celebrated their fierce rivalry each year with a neutral-ground clash in Philly on the Saturday after Thanksgiving. The day before, thousands of people from surrounding communities – as well as Army or Navy devotees from farther afield – flooded the city in anticipation of the big game. They took the opportunity to stock up on clothes, home goods, and other giftable items at central Philly’s many retail shops and department stores.

  • The day after Thanksgiving was a natural time for shoppers to head into town and hit the department store. Most families were still together from the prior day’s feast, and few middle-class folks were required to work.
  • Big-city shopping districts were anchored by department stores. Department stores sold clothing, cosmetics, jewelry, home goods, appliances, and much more.
  • With a single visit to a department store and a few side trips to specialty retailers, you could take care of your entire holiday shopping list in a single day.
  • Today’s retail environment is omnichannel. Shoppers are just as likely – if not more so – to buy stuff at home on their smartphones or laptops than drive to the nearest mall to seek the best deals in person.
  • The decline of brick-and-mortar retail is devastating the lower and middle echelons of the suburban shopping center market and threatens to deal a last dealt a death blow to the downtown department store model.
  • Black Friday now happens when, where, and how consumers choose. It’s also happening earlier than ever, with “Black Friday” deals appearing as early as Halloween.

Dish used an ad campaign to compare the prices of Dish (which was much better priced) with DirectTV and cable TV.
Direct TV countered with a lawsuit, and said that Dish's claims were false as there were differences in package offers. They ran their own series of ads to debunk various Dish advertising claims.

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