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January 15, 2024
Budgeting Tips

I am constantly attempting to become better at this and found this helpful. ☺️

1. Track Your Income and Expenses: Start by tracking your income and expenses to get a clear picture of where your money is coming from and where it's going. Use a budgeting app or spreadsheet to categorize your expenses and identify areas where you can cut back.

2. Set Financial Goals: Determine your short-term and long-term financial goals, such as saving for a down payment on a house, paying off debt, or building an emergency fund. Having clear goals will help you stay motivated and focused on your budgeting efforts.

3. Create a Budget: Based on your income and expenses, create a budget that outlines how much you can allocate to different categories, such as housing, transportation, groceries, entertainment, and savings. Be realistic and make adjustments as needed.

4. Prioritize Essential Expenses: Make sure to prioritize essential expenses like rent/mortgage, utilities, groceries, and transportation. These should be allocated first in your budget to ensure your basic needs are met.

5. Cut Back on Non-Essential Expenses: Look for areas where you can cut back on non-essential expenses, such as eating out, entertainment, and subscriptions. Consider alternatives like cooking at home, finding free or low-cost activities, and canceling unused subscriptions.

6. Save for Emergencies: Set aside a portion of your income each month for emergencies. Aim to build an emergency fund that can cover at least three to six months' worth of living expenses. This will provide a safety net in case of unexpected events like job loss or medical emergencies.

7. Pay Off Debt: If you have any outstanding debt, prioritize paying it off. Start with high-interest debt first, such as credit card debt. Consider strategies like the debt snowball or debt avalanche method to accelerate your debt repayment.

8. Automate Savings: Make saving money easier by setting up automatic transfers from your checking account to a savings account. This will help you save consistently without having to think about it.

9. Review and Adjust Regularly: Regularly review your budget to see if it's working for you. Make adjustments as needed to accommodate changes in your income or expenses. Stay flexible and be willing to make changes to your budget as circumstances change.

10. Seek Professional Advice if Needed: If you're struggling with budgeting or managing your personal finances, consider seeking help from a financial advisor or counselor. They can provide personalized guidance and help you create a plan to achieve your financial goals.

Now, here's a sample schedule to help you stay on track with your budgeting:

  • Weekly: Review your expenses from the previous week and compare them to your budget. Make any necessary adjustments for the upcoming week.

  • Monthly: Conduct a more thorough review of your budget at the end of each month. Analyze your spending patterns, identify areas where you can improve, and set new goals for the next month.

  • Quarterly: Review your progress towards your financial goals every three months. Assess if you're on track and make any necessary adjustments to your budget or goals.

  • Annually: Conduct a comprehensive review of your budget and financial goals at the end of each year. Evaluate your achievements, set new goals for the upcoming year, and make any necessary adjustments to your budget.

Remember, budgeting is a continuous process, and it may take time to find a system that works best for you. Stay committed and be mindful of your spending habits.

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Crema Soup

🔥 Roasted Red Pepper & Crema Soup

✨ Silky, smoky, slightly sweet, and swirled with luscious La Vaquita Crema.

🛒 Ingredients:
• 1 tbsp olive oil or butter
• 1/2 onion, chopped
• 2 cloves garlic, minced (or 1/2 tsp garlic powder)
• 1 (12 oz) jar roasted red peppers, drained
• 1 (14–15 oz) can diced tomatoes
• 1 cup vegetable or chicken broth
• 1/2 tsp smoked paprika (optional but wow)
• Salt & pepper to taste
• 2–3 tbsp La Vaquita Crema Mexicana, for swirling

🍲 Directions:
1. In a medium pot, heat olive oil over medium heat.
2. Add chopped onion and sauté until soft (about 5 minutes).
3. Add garlic and cook 30 seconds.
4. Add drained roasted red peppers, canned tomatoes (with juice), broth, and smoked paprika.
5. Simmer for 15–20 minutes to let the flavors mingle.
6. Blend until smooth (immersion blender or carefully in a standard blender).
7. Stir in 2–3 tbsp of La Vaquita Crema.
8. Taste and adjust salt, pepper, and paprika if needed.
9. Serve with an ...

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NOLA
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October 23, 2022
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UN Sustainable Development Goals—Agenda 2030

The U.N. Sustainable Development Goals, often referred to as Agenda 2030, were adopted in 2015 by the organization and its member states as a guide to “transforming our world.” Hailed as a “master plan for humanity” and a global “declaration of interdependence” by top U.N. officials, the 17 goals include 169 targets involving every facet of the economy and life.

“All countries and all stakeholders, acting in collaborative partnership, will implement this plan,” declares the preamble to the document, repeatedly noting that “no one will be left behind.”

Among other elements, the U.N. plan calls for national and international wealth redistribution in Goal 10, as well as “fundamental changes in the way that our societies produce and consume goods and services.”

Using government to transform all economic activity is a critical part of the SDGs, with Goal 12 demanding “sustainable consumption and production patterns.”

Among the specific targets outlined in Goal 12 are several directly linked to agricultural policies that undermine food production. These include “sustainable management and efficient use of natural resources.”

Perhaps more importantly, the document demands “environmentally sound management of chemicals and all wastes throughout their life cycle, in accordance with agreed international frameworks.”

As a result, people and especially farmers must “significantly reduce their release to air, water, and soil in order to minimize their adverse impacts on human health and the environment.”

Other SDGs that are directly tied to what critics have called the “war on farmers” include Goal 14, which addresses “marine pollution of all kinds, in particular from land-based activities, including … nutrient pollution.” The U.N. regularly describes agriculture and food production as a threat to the ocean.

The U.N. Food and Agriculture Organization (FAO), led by former CCP Vice Minister of Agriculture and Rural Affairs Qu Dongyu, is helping to lead the charge.

In its 2014 report “Building a Common Vision for Sustainable Food and Agriculture: Principles and Approaches,” the U.N. agency calls for drastic restrictions on the use of fertilizers, pesticides, emissions, and water in the agricultural sector.

As an example of how agriculture must be reformed to be considered sustainable by the U.N., the FAO report declares that “excessive use of nitrogen fertilizer is a major cause of water pollution and greenhouse gas emissions.”

Another of the 17 SDGs with a direct impact on agriculture and food production is Goal 2, with its calls for “sustainable agriculture” and “sustainable food production.”

Goal 6, meanwhile, calls for “sustainable management of water,” which includes various targets involving agricultural water use and runoff.

Because U.N. leaders see agriculture and food production as key contributors to what they call manmade climate change, Goal 13 is important, too. It calls for governments to “integrate climate change measures into national policies, strategies, and planning.”

Goal 15, which deals with sustainable use of terrestrial ecosystems, also has multiple targets that affect agriculture and food production.

All over the world, national and regional governments are working with U.N. agencies to implement these sustainability goals in agriculture and other sectors.

For instance, responding to U.N. biodiversity agreements, the European Union has enacted various U.N.-backed biodiversity programs such as Natura 2000 and the EU Biodiversity Strategy for 2030, which have been cited by the Dutch government and others in their agricultural policies.

The U.N. also boasts publicly about its role in imposing the SDGs in Sri Lanka and other nations suffering from food shortages and economic calamities linked to the very same global sustainability programs.

Around the world, almost every national government says it’s incorporating the SDGs into its own laws and regulations.

 

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October 22, 2022
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UN, World Economic Forum Behind Global ‘War on Farmers

The escalating regulatory attack on agricultural producers from Holland and the United States to Sri Lanka and beyond is closely tied to the United Nations’ “Agenda 2030” Sustainable Development Goals and the U.N.’s partners at the World Economic Forum (WEF)

Indeed, several of the U.N.’s 17 Sustainable Development Goals (SDGs) are directly implicated in policies that are squeezing farmers, ranchers, and food supplies around the world.

High-level Chinese Communist Party (CCP) members within the U.N. system helped create the SDGs and are currently helping lead the organization’s implementation of the global plan.

If left unchecked, multiple experts said, the U.N.-backed sustainability policies on agriculture and food production would lead to economic devastation, shortages of critical goods, widespread famine, and a dramatic loss of individual freedoms.

Already, millions of people worldwide are facing dangerous food shortages, and officials around the world say those are set to get worse as the year goes on.

There is an agenda behind it all.

Even private land ownership is in the crosshairs, as global food production and the world economy are transformed to meet the global sustainability goals, U.N. documents reviewed by The Epoch Times show.

As explained by the U.N. on its SDG website, the goals adopted in 2015 “build on decades of work by countries and the U.N.”

One of the earliest meetings defining the “sustainability” agenda was the U.N. Conference on Human Settlements known as Habitat I, which adopted the Vancouver Declaration.

The agreement stated that “land cannot be treated as an ordinary asset controlled by individuals” and that private land ownership is “a principal instrument of accumulation and concentration of wealth, therefore contributes to social injustice.”

“Public control of land use is therefore indispensable,” the U.N. declaration said, a prelude to the World Economic Forum’s now infamous “prediction” that by 2030, “you’ll own nothing.”

Numerous U.N. agencies and officials have outlined their vision of “sustainability” since then, including calls for drastic restrictions on energy, meat consumption, travel, living space, and material prosperity.

Experts say that some of the world’s wealthiest and most powerful corporate leaders are working with communists in China and elsewhere in an effort to centralize control over food production and crush independent farmers and ranchers. Bill Gates is now the largest land owner in my state.

The WEF, a network of major multinational businesses that collaborates closely with the CCP, is a “strategic partner” of the U.N. on Agenda 2030.

The increasing regulation of food production and even efforts to shut many farms and ranches come as officials around the world such as U.S. President Joe Biden and U.N. World Food Programme chief David Beasley warn of looming food shortages worldwide.

But instead of easing restrictions and encouraging more production, Western governments and many governments dependent on aid are clamping down even harder.

Dutch farmers, already at the breaking point, have responded this summer with massive nationwide protests. That followed violent unrest in Sri Lanka tied to food shortages caused by government policy.

Governments and international organizations have cited various pretexts for the policies, ranging from increasing “sustainability” and protecting various flora and fauna, to promoting “economic justice” and even returning lands to aboriginal peoples.

According to critics of the policies, though, the goal isn’t to preserve the environment or fight climate change at all. Instead, the experts warn that the “sustainability” narrative and the other justifications are a tool to gain control over food, agriculture, and people.

“The end goal of these efforts is to reduce sovereignty on both individual nations and people,” said Craig Rucker, president of the Committee for a Constructive Tomorrow (CFACT), a public policy organization specializing in environmental and development issues.

The intent for those pushing this agenda is not to save the planet, as they purport, but to increase control over people. The goal is to centralize power at the national and even international level.

 

 

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October 22, 2022
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Food Inflation Soars to Highest Level Since 1980, With More Pain to Come, Producers Warn

Food prices in the United States shot up in May at their fastest annual pace in 42 years, according to new government data, with some food producers warning American households to brace for more inflationary pain ahead, as some input costs have yet to be reflected in grocery store prices.

The food component of the personal consumption expenditures (PCE) price index, released on June 30 by the Commerce Department (pdf), showed food prices vaulting at an annual 11 percent in May, the highest reading since 1980.

The multi-decade high reading marks the 11th consecutive month that food prices have climbed in the United States. It’s also double the 5.5 percent pace of food price inflation notched just last November.

A number of U.S. farmers interviewed by The Epoch Times have said that soaring fuel and fertilizer costs have yet to fully make their way down the food production chain.

“Usually, what we see on the farm, the consumer doesn’t see for another 18 months,” said John Chester, a Tennessee farmer of corn, wheat, and soybeans.

“People don’t realize what’s fixing to hit them,” Texas farmer Lynn “Bugsy” Allen said. “They think it’s tough right now. You give it until October; food prices are going to double.”

The grim forecasts come as the American Farm Bureau Federation said in a recent report that American consumers can expect to pay 17 percent more to eat this coming July 4 compared to Independence Day last year.

The average cost of a summer cookout for 10 people would total $69.68, an increase of about $10 from 2021, according to the report.

Meanwhile, the so-called core PCE price index, which excludes the volatile categories of food and energy and is the Federal Reserve’s preferred gauge for measuring inflation, rose by 4.7 percent in the year through May, Commerce Department data show.

While that’s a slight decline from the prior month’s 4.9 percent pace of growth and roughly in line with analysts’ estimates, it’s more than double the 2 percent inflation target that the U.S. central bank aims for when it sets monetary policy, chiefly interest rates.

And while the over-the-year core PCE inflation gauge inched down, the month-over-month reading remained flat at 0.3 percent in May for the fourth month in a row, suggesting that inflationary pressures remain stuck in high gear, and the Fed’s fight to lower price growth will be protracted.

“Inflation appears to be cooling, but it may be a mirage, as sequential momentum remains strong,” Gregory Daco, chief economist at EY-Parthenon, wrote on Twitter, referring to the elevated monthly inflation readings.

The Fed has pivoted in its view on inflation, initially considering it a temporary spike that would soon pass but now describing it as persistent and problematic.

The central bank has embarked on an aggressive rate-hiking cycle in a bid to tame runaway prices, with some analysts seeing a growing risk that the U.S. economy will tip into recession.  Pretty sure we are there.

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