Six Simple Ways To Save

When it comes to money, we all set out with good intentions to spend and save wisely. In the midst of a busy life, constant advertisements, and quick spending, saving money can seem impossible. In reality, we can only save money when we develop healthy habits. Check out a few simple habits that will turn your saving habits around. 

 

Revise your Grocery List

When people begin to make a budget, one of the most surprisingly high categories is their grocery budget. Your grocery budget is one of your more critical funnels. To save money, try making a grocery list and sticking to that list. If you walk in without knowing what you’re going to ger, you’re more likely to buy things that you don’t need. If you’re trying to save money, try buying bargain items over brand name items.

 

Cancel Automatic Subscriptions 

In the age of instant gratification and regular subscriptions, subscriptions like Hulu, Netflix, Ipsy, and HBO can quickly add up. Figure out which subscriptions you use most, and eliminate the ones that you don’t often use to save the extra money each month. 

 

Save Automatically

Automatic saving is your best friend when it comes to saving money. Most banks or cards have the option to automatically save a portion of your deposit. Try saving 10% of your paycheck each month to build up a savings account.

 

Pack a Lunch

The average American household spends around 280 dollars per month on eating out. An easy way to minimize how much you spend is by packing lunch. When you can, pack food, snacks, and drinks when you go out or go to work. If you do need to eat out, buy simple, smart foods that are good for your body, and your wallet. 

 

Freeze Your Spending

A popular way of saving money is by “freezing” your spending. Take a week, or even a month, and only spend money on absolutely essential items. Prep meals ahead of a time and make sure your bills are set up to be paid and cut out spending. You’ll be surprised at how much you save by not spending for set amounts of time. 

 

Set a Budget

Setting a budget is one of the simplest ways to save money. Sit down and figure out where you spend money, and how much you usually set. Set realistic, budgeting goals and stick to them. Don’t be afraid to ask your friends who are in a similar life stage/situation what their budgets look like. There are even helpful online budget makers that you can research and check out. 

 

Saving money is an essential part of being a healthy adult and setting up a good future for yourself and your family. Try to spend the next month being intentional about your spending, and track positives and negatives of your new way of living. 

This post was originally published on Etienne Kiss-Borlase’s Finance Blog. For more info about Etienne, please visit his homepage.

Six Simple Ways To Save

Art and Emotions

Humans have spent thousands of years using art forms to express. In European caves dating back to the Ice Age, we see cave drawings used to tell stories and communicate history. In Ancient Greecian tapestry, we are immersed in the legends of gods and heroes. In Egyptian pottery, we explore the rise and fall of kings and queen. The renaissance is full of expression and beauty captured in architecture. In the Impressionist era, Vincent Van Gogh translates the pain of a tormented life into beautiful works of realism and ecstasy. We have thousands of examples of humans translating their stories, emotions, and memories into art, but often miss the return. Art can also pour back into us. 

 

Emotions are defined as “a natural instinctive state of mind deriving from one’s circumstances, mood, or relationships with others” and “instinctive or intuitive feeling as distinguished from reasoning or knowledge.” An emotional response is easily invoked by anything that is measured by our five senses, especially by the things we see. Feeling any emotion is a qualitative state that is primarily measured by a change in feeling, blood pressure, heart rate, activity, among other things. 

 

According to multiple psychological studies, color can affect our mood. An entire field called color psychology looks at how different colors affect our emotions. Red projects a message of confidence and boldness, while yellow communicates a happy and bright message. The very colors in art can affect our mood and portray an emotion to us.  

 

Many art pieces that are admired today are portraying some message or memory. Some of the most famous pieces of art are depicting a scene or image. What we see directly affects our emotions. We are always in a state of feeling something. So when we look at different art pieces, a portrayed scene can bring forth a memory or thought process that comes with its own unique emotional cocktail. 

 

When we create works of art, we pour our emotions, memories, pain, and desires into our creation. We can put forth so much time and effort into what we do, and our art continues to communicate even after we finish it. Not only do we pour out into our craft, but our art pours back into us. Thus, a beautiful cycle of expression is maintained. 

This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

Art and Emotions

Building Your 2020 Budget

Creating a budget is an important financial strategy for building a future nest egg. One way to conquer the temptation to spend too much money during and after the holiday season is to establish a sound 2020 budget and stick with the plan. The following tips offer helpful suggestions for devising a workable budget:

 

  1. Think About Future Expenses

 

Include all prospective future expenditures in the 2020 budget and estimate the costs for each. For example, include a potential college tuition expense expected to occur in the new year, or the cost of a new car if yours is getting older. It is also important to encompass prospective gains. Whether these gains refer to an expected raise at work or projected investment dividends, an accurate budget must depict all expenses and increases.

 

  1. Learn to Estimate Conservatively

 

Since it is not always possible to know what the future holds, it is wise to make conservative assumptions. Instead of including low estimates for expenses, a 2020 budget should incorporate high estimations. Applying the reverse procedure for income, the budget should include low estimates for expected increases in income.

 

Infusing a budget with these techniques means gives the plan a realistic basis. It is also helpful to think about the possible rising costs of everyday expenses, including gasoline for vehicles and utility hikes. It is better to overestimate and underspend. 

 

  1. Study the Current Spending and Savings Trend

 

Viewing the current year’s expenses and savings enables a person to have a clear understanding of how to set future goals for a 2020 budget. A person may discover that they need to spend less money eating out and deposit more earnings into a savings account.

 

Paying off debts is another important aspect to consider. A golden rule of budgeting is to avoid overspending. Living within a person’s means is the optimum way to develop a 2020 budget.

 

  1. Obtain a Credit Report

 

A good credit score provides the opportunity to take out a loan on a car or mortgage and pay less interest. A poor credit score has the opposite effect. So, it is a good idea to include a debt payment plan in the 2020 budget and eliminate all current debts. After the debts are gone, the next best thing is to limit expenses to one credit card and pay for most expenditures with cash.

 

This post was originally published on Etienne Kiss-Borlase’s Finance Blog. For more info about Etienne, please visit his homepage.

Building Your 2020 Budget

The World’s Best Street Art

Today, many cities commission artists to decorate walls, utility boxes, and selective areas as part of their beautification program. However, there are still artists and gangs around the world leaving their mark on the walls of their neighborhoods. Either way, street art has gained world recognition.

 

Street art has gained popularity in its expressive and uncensored nature. It also allows free viewing for those who are less inclined to visit a museum. Art within the environment is more likely to be seen and appreciated. These are five cities around the world with the most expressive street art.

 

Los Angeles

 

The City of Los Angeles considers graffiti illegal. Bold text and gang tags divide neighborhoods. As a result, L.A. commissions local artists to paint over graffiti and decorate its massive murals with colorful street art. Downtown’s Art District welcomes Latino heritage art on walls under freeways and neighborhoods. Guided tours are available to tourists for a more intimate look at the art on the walls.

 

London

 

North London in Camden or the Leake Street Tunnel near Waterloo are two places where street art is prevalent in London. The street art scene is huge in the neighborhoods of Shoreditch and Hackney. They are London’s locales for spray-painted walls such as Michelin-starred restaurants. Visitors can take a tour of Shoreditch to see London’s best artists.

 

Mexico City

 

Mexico City is the home to the most poetic, political, and traditional street art. Its neighborhoods of Juárez, Roma, and Condesa are known for the giant vivid murals. History and Latino culture are captured on the walls of businesses. Tours guided by graffiti artists are the best way to see Mexican art.

 

Buenos Aires

 

Both international and local artists have left their creative mark on massive murals on the streets of Buenos Aires. Political, traditional, and light-hearted collages adorn various neighborhoods (barrios). The barrios of San Telmo and Colegiales Crespos depict historical urban movements. Guided tours are the best way to connect street art with each barrio.

 

Berlin

 

Berlin’s graffiti-covered walls date back to the Cold War. The hip Friedrichshain-Kreuzberg borough houses the remaining stretch of what was once the Berlin Wall. Today it is known as Berlin’s East Side Gallery where 3-D street art adorns the facades of business and buildings. Visiting this neighborhood is the best way to explore Berlin’s art

This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

The World’s Best Street Art

Artificial Intelligence Takes on the Art Industry

Artificial intelligence is making inroads into just about every industry. Finance, medicine, and marketing are all being changed by discoveries made with artificial intelligence. One world that most people didn’t expect to be overtaken by AI is the art industry. However, like any other, it is being heavily influenced by the automation and technological advances of AI. Pieces created with neural networks are taking the art world by storm.

 

Just over a year ago, the portrait “Edmond de Belamy, from La Famille de Belamy” sold for over $400,000 at Christie’s in New York. It had been expected to sell for about $7,000 to $10,000. This painting, made with convolutional neural networks, is just one example of how the art world is reacting to artificial intelligence. This new technology is making a bigger splash than many people had expected.

 

Computers use convolutional neural networks to arrange and analyze images. This technology isn’t just used in the art world. It has applications in a number of industries. It’s the same type of artificial intelligence that is changing the way the medical profession interprets images from X-rays and MRI images. CNN uses style transfer. This process changes the tone of an image without changing the content. This is similar to the idea of a filter on an Instagram photo.

 

While some purists are alarmed that AI-created images are sharing space with the work of classical and popular artists, it is important to remember that computer-generated art dates to at least the 1950s. Some artists in the postwar period saw this art as an important antidote to emotional manipulations. For people who had lived through the rise of fascism and Hitler’s propaganda films, an art made without feeling seemed like a relief. It was hard to imagine how such works could be manipulated by politicians, and that seemed comforting.

 

Frieder Nake and Max Bense are some of the important names in that early period of computer-generated art. Although many people today feel that AI-generated art is just a grotesque display of technology, it’s important to remember that many respected art forms started off that way. Today, films are preserved by governments for posterity due to their cultural value. When that industry emerged, it was made up entirely of outsiders. It was considered vulgar. It will be interesting to see how history views AI-generated art.

This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

Artificial Intelligence Takes on the Art Industry

What is Art Therapy?

What is Art Therapy Etienne Kiss Borlase

People have turned to the creative arts as a means of therapy for centuries. Art therapy is a field that originated from the catharsis of artistic expression, and licensed art therapists help clients around the world treat a variety of mental illnesses and personal struggles with creative projects.

 

Art therapy can be used in virtually any environment with clients ranging from pre-school children to senior citizens. Those who cannot articulate themselves clearly due to developmental disorders such as autism may benefit from art therapy as it gives them a voice that would otherwise go unheard.

 

With the help of a professional therapist, clients who undergo art therapy are able to learn more about themselves through their nonverbal expression; art therapists decipher symbols, colors, patterns and metaphors that arise through the creative process, all while helping clients relieve stress and find comfort in their artwork.

 

Art Therapy in Action

There are types of art therapy that can treat depression, anxiety, and other mental health problems. Therapists will typically choose exercises and mediums based on a client’s age, personality and symptoms.

 

Journaling is a common art therapy prescribed for people struggling with depression or anxiety; children and adolescents who may not be as capable of identifying and expressing their feelings might be prompted to draw or paint their emotions instead.

 

For children with autism spectrum disorder (ASD), sensory art therapy that utilizes finger paints, kinetic sand, clay, and other tactile mediums can provide emotional release and serve as a positive outlet to reduce maladaptive behaviors.

 

Benefits of Art Therapy

It is not always feasible or comfortable for people to express how they’re feeling. Sometimes, an individual may not even understand the depth of their own emotions until they are given the opportunity to explore them creatively. Through art therapy, people can develop healthy coping skills while learning more about themselves, who they are and how their problems “color” their lives.

 

Art therapy can build confidence, reduce stress and improve behavior. By exploring a new way of expressing one’s thoughts and feelings, art therapy offers the opportunity to delve deeper into the psyche and uncover repressed thoughts and feelings that may be causing trouble in the present.

 

Finally, art therapy is a valuable tool that can be used in conjunction with traditional psychotherapy. By exploring a client’s creative output, therapists can find new ways to address their problems using therapeutic models such as talk therapy and cognitive behavior therapy (CBT).

This article was originally published on EtienneKiss-Borlase.ch

What is Art Therapy?

What is Art Therapy?

People have turned to the creative arts as a means of therapy for centuries. Art therapy is a field that originated from the catharsis of artistic expression, and licensed art therapists help clients around the world treat a variety of mental illnesses and personal struggles with creative projects.

 

Art therapy can be used in virtually any environment with clients ranging from pre-school children to senior citizens. Those who cannot articulate themselves clearly due to developmental disorders such as autism may benefit from art therapy as it gives them a voice that would otherwise go unheard.

 

With the help of a professional therapist, clients who undergo art therapy are able to learn more about themselves through their nonverbal expression; art therapists decipher symbols, colors, patterns and metaphors that arise through the creative process, all while helping clients relieve stress and find comfort in their artwork.

 

Art Therapy in Action

There are types of art therapy that can treat depression, anxiety, and other mental health problems. Therapists will typically choose exercises and mediums based on a client’s age, personality and symptoms.

 

Journaling is a common art therapy prescribed for people struggling with depression or anxiety; children and adolescents who may not be as capable of identifying and expressing their feelings might be prompted to draw or paint their emotions instead.

 

For children with autism spectrum disorder (ASD), sensory art therapy that utilizes finger paints, kinetic sand, clay, and other tactile mediums can provide emotional release and serve as a positive outlet to reduce maladaptive behaviors.

 

Benefits of Art Therapy

It is not always feasible or comfortable for people to express how they’re feeling. Sometimes, an individual may not even understand the depth of their own emotions until they are given the opportunity to explore them creatively. Through art therapy, people can develop healthy coping skills while learning more about themselves, who they are and how their problems “color” their lives.

 

Art therapy can build confidence, reduce stress and improve behavior. By exploring a new way of expressing one’s thoughts and feelings, art therapy offers the opportunity to delve deeper into the psyche and uncover repressed thoughts and feelings that may be causing trouble in the present.

 

Finally, art therapy is a valuable tool that can be used in conjunction with traditional psychotherapy. By exploring a client’s creative output, therapists can find new ways to address their problems using therapeutic models such as talk therapy and cognitive behavior therapy (CBT).

This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

What is Art Therapy?