The first step in making your holiday budget is to figure out how much you should budget. □ Want to create a holiday spending plan you can actually stick to? Grab our FREE Christmas Budget Planner! You can view my full disclosure policy here. Ready to learn how to create a Christmas budget of your very own? Creating a budget simply means having a plan. Having a Christmas budget doesn’t mean your holiday season will be boring and horrible. And yes, maybe some paring down of all those unnecessary expectations. In order to prevent the Christmas spending hangover, it just takes some planning ahead. Please don’t do that to yourself anymore!ĭo you want this year to be different? It can.ĭon’t worry, it’s not as complicated or Scrooge-y as it sounds! And all the charitable contributions.īy the time January arrives, we have empty bank accounts and the dreaded credit card bills. Oh and don’t forget the money we spend on fun holiday outings. Plus decorations, food, wrapping supplies, and new festive outfits. It’s so easy to get carried away at Christmas time, isn’t it? We spend tons of money buying gifts for everyone we know. We recommend that you do not to change or delete the pre-defined formulas of the template, if you do, the entire template may be altered, as the various fields have interconnecting formulas and the results after such changes would lack accuracy. This one sheet for planning Christmas budget can undoubtedly save you from ceaseless stress, so plan ahead. The difference between both amounts gives surplus or shortfall. Once all the categories receive the data for the amount actually spent, the sheet automatically calculates the net actual amount available to be spent and the estimated additional amount required. A budget for party food, drinks, eating out, etc. Christmas Food & Drinks: the party aura is ubiquitous during Christmas.Decoration: when it comes to Christmas, decorations are everywhere, starting right from decorating a Christmas tree, indoor and outdoor lights, ornaments, etc.Postcards: sending postcards to friends would require a budget for printing, envelops, stamps, etc.Gift Wrapping Supplies: budget allocation for ribbons, gift wrappers, gift bags, etc.Gifts: list of people to whom you wish to give gifts on this Christmas, along with an allocated budget.The table has been divided into several spending categories, for example: It also calculates the net difference in that particular category. The table calculates the difference between the allocated budget and the actual budget for each item separately. You can also plan a budget for gift wrapping materials, which includes wrapping paper, ribbons, gift bags, gift bows, scotch tape, etc. On top of the sheet, the Christmas budget template displays the number of gifts purchased out of the total gifts that you planned to purchase. The table automatically populates the differential amount. Enter the actual amount that was spent on the purchase. Allocate a separate budget for each individual. Enter the list of people for whom you wish to buy gifts. Christmas Budget is a single page template that can be used to monitor your spending during the holiday season.
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The Chiefs have waived safety Zayne Anderson, according to NFL Network.The Chiefs will (temporarily) release linebacker Elijah Lee, according to The Kansas City Star.The Chiefs have waived safety Devon Key, according to The Kansas City Star.The Chiefs have released wide receiver Daurice Fountain, according to The Kansas City Star.The Athletic has reported that quarterback Shane Buechele will make the roster.The Athletic has reported that tight end Blake Bell (hip surgery) will be on the initial 53-man roster and then be placed on IR, which will allow him to return later this season.The Chiefs have waived offensive lineman Vitaliy Gurman, according to The Kansas City Star.The Kansas City Star has reported running back Ronald Jones has made the team.The Chiefs are releasing defensive tackle Danny Shelton, according to ESPN.The Chiefs released defensive tackle Taylor Stallworth, via his agent.The Chiefs are releasing wide receiver Josh Gordon, according to NFL Network.Chiefs make their initial move to the 53-man roster, releasing offensive tackle Roderick Johnson and waiving quarterback Dustin Crum, running back Tayon Fleet-Davis, wide receiver Aaron Parker and linebacker Mike Rose.Placed on Reserve/Injured (ending season): WR Justyn Ross.Placed on Reserve/Physically-unable-to-perform: OL Lucas Niang. Placed on Reserve/Non-Football Injury: None.Released: OL Roderick Johnson, WR Josh Gordon, DT Taylor Stallworth, DT Danny Shelton, WR Daurice Fountain, LB Elijah Lee, LB Jermaine Carter, Jr., WR Corey Coleman, OL Austin Reiter.Waived: QB Dustin Crum, RB Tayon Fleet-Davis, WR Aaron Parker, LB Mike Rose, OL Vitaliy Gurman, S Devon Key, S Zayne Anderson, OL Mike Caliendo, WR Cornell Powell, LB Jack Cochrane, TE Jordan Franks, LB Azur Kamara, CB Dicaprio Bottle, DT Matt Dickerson, RB Jerrion Ealy, S Nazeeh Johnson, DE Kehinde Oginni.With each new report, we’re also updating our Chiefs roster page, so you can easily see how many players are left in each position group. Here, we’ll track all the roster moves the Chiefs are reported to have made. The Chiefs will eventually release a complete list of all of their moves - but until then, word of some of them will be trickling out. (Arrowhead Time) on Tuesday, the Kansas City Chiefs must remove 27 players from their 80-man active roster in order to get it down to the in-season limit of 53 players. The Chiefs’ official 53-man roster is here! Click here for the full listing and instant analysis. Immediately called my bank and even though it was Friday after hours someone did pick up. Why would Amazon refund me money that I did not deserve. I believed it to be legit and followed along for a while. Pretended they were calling from Amazon and wanted to put money back into my checking account. They do not belong to or represent views of the Federal Trade Commission. Opinions in comments that appear in this blog belong to the individuals who expressed them. To protect your privacy and the privacy of other people, please do not include personal information. The comments posted on this blog become part of the public domain. We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. To file a detailed report about a scam, go to. We won’t post comments that include personal information, like Social Security numbers, account numbers, home addresses, and email addresses.We won’t post threats, defamatory statements, or suggestions or encouragement of illegal activity.We won’t post comments that include vulgar messages, personal attacks by name, or offensive terms that target specific people or groups.We won’t post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions.We expect commenters to treat each other and the blog writers with respect. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. But keep in mind, this is a moderated blog. Your thoughts, ideas, and concerns are welcome, and we encourage comments. The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. If you see a scam, report it to the FTC at. If you see one, report it to the institution and ask them to reverse it and give you back your money.įind out what to do i f you paid a scammer, or gave them your personal information or access to your computer. Do not use the number included in the message.Īlso check your credit card or bank account for an unauthorized transaction. If you think the message is legitimate, contact the company in question using a phone number you know is real. Scammers send alarming messages like this to rattle you. To pay them back, they tell you to buy gift cards and give them the gift card numbers and PINs. Some scammers may ask for your bank account information to refund your money, then fake a transaction and make it look like they accidentally refunded you too much. If you give it to them, they can install spyware programs on your computer, steal your online banking credentials, and drain money from your bank account. If you call the number - which you should not do - the scammer might ask for remote access to your computer. If you want to dispute the charge or cancel your membership, the message says you must call a phone number within 24 hours. You get a text message or email that says you were or will be charged hundreds of dollars to renew your Geek Squad membership. Here’s what we’re hearing about the scam and what to do if you see it. This time they’re pretending to be from Geek Squad, Best Buy’s tech support service. Scammers are at it again, impersonating well-known businesses and trying to rip people off. 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I spend a lot on shoes bc I have to, but this fancy apparel was a splurge and a first. I haven't figured it out totally yet, but some movements make it rub and it's plasticky loud at unexpected moments. The material is already loud when running. If it were baggy it would be uncomfortable. Wind & water protection Breathable DriLayer Seal fabric lets excess heat out without letting the elements in. If you're between sizes, definitely go up, but this is supposed to be sleet/slim fitting. Cool-weather coverage that shines after dark. Will be my go to for cold and dark conditions. I do have some doubt about how those will hold up. It's vented under the black part, but that leaves those scotch brite strips to move around when washing. This article highlights fabrics and features for warm weather and winter running. Running is more comfortable with the right clothing. Yes, it's highly visible, yes it's thin, and yes it holds more heat than you would think. 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Shop Blowfish Malibu Search Within Women Search Large high resolution images have large file sizes Vector images are composed of lines, curves and anchor points Raster images are composed of square pixels We’ve tried not to use too much technical jargon, so we hope it wasn’t too confusing and you found this article useful. So to summarize, there are pros and cons for working with raster or vector graphics and it really depends on the type of work or graphics you produce. Or if you create your artwork in Photoshop, you might want to open it in Illustrator to add some text if you are perhaps creating a flyer or poster for example. You can paint with an endless variety of brushes or perhaps add complex textures for a more organic look. For example, you might find it easier to create the linework in Illustrator and then carry on working on it in Photoshop. It is possible to combine both vector and raster images. It’s really more suited to drawing using the Pen Tool for more accurate results. You can also paint or draw in Adobe Illustrator, but not to the same level as it would be if using Photoshop. It’s much easier to edit vector objects, such as changing the colours and altering and resizing shapes. If you like to create clean illustrations, cartoons, logos and lettering work, then working in vector is the better option. Working with raster in Photoshop, you would most likely paint with the brush tool as in the traditional painting method. It’s much easier to create realistic painting effects and textures using raster in Photoshop. If you like to create art in the traditional style of painting, then working in raster would be the best option. The answer to this question is that it depends on the type of artwork you like to produce. But there are others such as CorelDRAW and Inkscape. The most popular vector editing software used by far is Adobe Illustrator. 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Other new features are the gold fields, which help the owners of adjacent settlements or cities obtain any type of resource, and the pirate, who causes unrest on the peaceful seas. There is, however, one important exception: you may change the position of the front ships of a shipping route! That way, you can react more flexibly to your opponents' actions and perhaps be the first to reach an unsettled, productive island. As you can see, the rules for placing ships are similar to the rules for placing roads on land. When you build a new ship, place it adjacent to a coastal settlement or a ship you have already built. Building a ship costs 1 lumber and 1 wool. Box Contains: 30 wooden ships (15 in each of two. Inside these frames, you lay out always varying combinations of islands, using the hexes of the Catan base game and additional hexes of the expansion set - either as shown in the scenario diagrams or according to your own imagination.ġ5 ships of each player color are included. Catan Base Game, its 5-6 players extension and Catan Seafarers are all required to play this extension. The Seafarers expansion contains new frame pieces, which - together with the frame pieces of the Catan base game - can be used to assemble frames of variable size. For the glory of Catan, you then vie with your opponents to build the most imposing wonders of the world. You defend yourself and conquer the pirate nests. Meanwhile, the pirates are getting more intrusive. Soon, you will meet the mysterious forgotten tribe and court its favor. Then your ships explore entirely uncharted regions and discover either sea or land. You leave Catan, land on neighboring islands, and receive special victory points whenever you are the first to settle an island. A campaign with many varied scenarios awaits you. |
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