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Chop your financial struggles in half, learn tips and tricks for budgeting grocery list

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Chop your financial struggles in half, learn tips and tricks for budgeting grocery list

The Azalea Mountain Retailer serves the small neighborhood of Azalea, Oregon as a grocery and neighborhood gathering area. Credit score: Samantha Swindler by way of TNS

Clipping coupons across the kitchen desk could also be a factor of the previous, however Ohio State nonetheless provides a number of ideas and tips to assist college students lower your expenses on groceries.

Ben Raines, program coordinator for monetary training at Scarlet and Grey Monetary and Kent Gordon, a third-year in finance and director of mentorship of Phi Gamma Nu enterprise fraternity, offered some recommendation to interrupt down budgeting for groceries.

Perceive your buying habits

Earlier than making a funds for groceries, it’s necessary for college kids to grasp their spending habits first, which Gordon mentioned is achievable by recording the grocery invoice for a few weeks, averaging the prices after which figuring out an approximate grocery funds.

“All people’s monetary conditions change, they usually can change at completely different charges, nevertheless it’s necessary to look again at it and alter relying on what your wants are and what your monetary state of affairs is,” Gordon mentioned. 

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Gordon mentioned he recommends utilizing the monitoring instruments that banks already provide of their cell banking functions. Many banks have apps that break spending into classes and present graphs and diagrams of how a lot is spent in every.

Create efficient objectives

As soon as they’ve gained a basic understanding of their funds, college students can use particular strategies to assist them attain their monetary objectives

Gordon mentioned he typically makes use of the SMART aim framework to interrupt budgeting into 5 requirements — particular, measurable, achievable, related and time-bound. With this framework, college students ought to create a practical funds with precise greenback quantities to trace and meet their monetary objectives by the tip of the 12 months. He additionally encourages individuals to use these objectives to grocery budgeting. 

Define meals 

College students can lower your expenses by solely shopping for what they want somewhat than losing meals by shopping for an excessive amount of.

Gordon mentioned seeing a visible log of meals can encourage individuals to department out and take a look at extra recipes, which will help college students create a extra centered buying record or restrict how typically they eat out. 

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“I feel lots of people can get carried away in the event that they stroll by one thing and simply throw it within the cart,” Gordon mentioned. “So, a great way to keep away from spending greater than you want is to have a good suggestion of what you’re going to purchase.”

Develop cooking mindset 

With so many eating places positioned close to campus, it could appear laborious to withstand counting on them out of comfort. Nevertheless, these meals are one-time purchases that accumulate over time, and Raines mentioned studying to cook dinner will increase each confidence within the kitchen and within the aisles of the grocery retailer.

Raines mentioned one solution to strategy studying to cook dinner is by choosing a recipe and breaking it into smaller steps. As soon as college students determine the steps to creating a dish, they will discover ways to make one portion at a time. 

“You don’t need to be prepared for a Michelin-star chef job,” Raines mentioned. “However should you can study to cube an onion this week and make rice the subsequent week, you’re effectively in your solution to being a totally competent chef for your self.”

Find out about accessible assets 

Along with the step-by-step methodology of breaking down grocery budgeting, there are different assets accessible for college kids to chop down prices on meals. Buckeye Meals Alliance is a student-run meals pantry sporting the motto  “No Buckeye Goes Hungry.” The group is positioned in Suite 150 of Lincoln Tower and is open Tuesday-Friday or Mondays at St. Stephens Church on Woodruff Avenue.

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Raines mentioned college students can use this useful resource as a complement to their funds by shopping for a few of their groceries on the retailer than coming to BFA for different wants.

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Tennessee election finance board to subpoena members of Constitutional Republicans | Chattanooga Times Free Press

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Tennessee election finance board to subpoena members of Constitutional Republicans | Chattanooga Times Free Press

Dissatisfied with a Tennessee attorney general’s investigation, the Registry of Election Finance is set to subpoena members of two Constitutional Republican groups to have them explain how they operate without registering as a political action committee.

The registry board voted Tuesday to order members of the Tennessee and Sumner County Constitutional Republicans to answer questions about their political activity at an upcoming “show cause” hearing. A sworn complaint filed by Goodlettsville businessman Wes Duenkel in November accuses the groups of acting like a PAC by making expenditures for candidates or issues but refusing to register with the state.

Five people spoke to the state investigator, but three others declined.

Registry board Chair Hank Fincher said Tuesday, “If they’re not going to talk to us, they’re going to have to assert the Fifth Amendment,” the right to avoid self-incrimination.

Registry board members requested the attorney general’s office investigate the matter in February and in late June received the results. The report amounted to short interviews in which four members denied raising or spending money for candidates. The investigation did show the group’s Facebook page at one point offered a link to donate money. The group also vetted and supported candidates for local and state elections, in addition to holding breakfasts and other political gatherings.

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(READ MORE: Tennessee Senate incumbents face opponents calling them not conservative enough)

Co-founder Chris Spencer, who is challenging Republican Sen. Ferrell Haile, of Gallatin, in the Aug. 1 primary, caught the ire of some board members because he told the AG’s office investigator, after being asked about monthly meetings and refreshments, “I am done with questions. This is such a waste of time.”

Spencer declined to comment after Tuesday’s meeting.

Kurt Riley, another co-founder, claimed in his interview that breakfasts were free and that the sale of Tennessee Constitutional Republicans merchandise did not benefit candidates or the group’s platform. He also said the group was formed to pay for his travel and expertise.

The attorney general office’s investigation was accompanied by a letter from the deputy attorney general saying the office is not an “investigative agency” and doesn’t have the resources to conduct full-scale probes for the registry. The letter also said the registry, based on a new state law, could use other options for investigations if it is unsatisfied with the AG’s Office.

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(READ MORE: Sumner County, Tennessee, poised to scrap human resources department)

Fincher, a Democrat, said Tuesday he was “surprised” at Attorney General Jonathan Skrmetti’s “abdication” of statutory duties to investigate campaign finance issues. He noted the registry board opted to investigate matters itself and added that the board will be seeking more funding from the legislature to hire investigators.

Registry member Tom Lawless, who previously questioned the length of time it took the AG’s office to produce the report, challenged the quality of the investigation and called the AG’s action “repugnant” and “reprehensible.”

If subpoenaed members of the Constitutional Republicans decline to testify before the board, it could take “corrective actions,” Lawless said.

“Nobody is above the law, and they’re required to do certain things. And if they don’t do it, we’ll assist them with the maximum ability that we can,” Lawless added.

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The attorney general’s office has declined to respond to questions about the letter it sent to the registry with its investigation.

Read more at TennesseeLookout.com.

    “If they’re not going to talk to us, they’re going to have to assert the Fifth Amendment,” said Registry of Election Finance member Hank Fincher. (John Partipilo/Tennessee Lookout)
 
 
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Prioritising climate finance

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Prioritising climate finance

To tackle these challenges head-on, climate finance must be prioritised. This involves mobilising resources to fund projects that reduce greenhouse gas emissions, promote renewable energy, and enhance resilience to climate impacts. Such investments are crucial for job sustenance, creation, and economic diversification.

India’s ambitious goal of achieving Viksit Bharat, or a developed India, must be aligned with its climate action financing needs, which are estimated to require $10–12 trillion. This substantial investment is essential not only for mitigating and adapting to the impacts of climate change but also for ensuring sustainable economic growth and development. Integrating climate finance into the broader Viksit Bharat agenda is crucial, as it will enable India to build resilient infrastructure, foster innovation in green technologies, and create a robust framework for sustainable development. 

Banks and financial institutions play a pivotal role in mobilising climate finance. They are instrumental in developing innovative financial products, such as green credit, green deposits, green bonds, and climate-focused credit and investment funds, which attract both domestic and international investors. As Indian sectors transition to cleaner energy sources, there will be significant implications for financial institutions’ portfolio exposures and future investment mixes. This shift will necessitate adjustments in how financial portfolios are structured, as investments in traditional high-carbon sectors may diminish while those in sustainable and green technologies increase. 

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UK is 'broke and broken,' new government says amid shortfall in public finances

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UK is 'broke and broken,' new government says amid shortfall in public finances

LONDON — Britain’s new left-leaning government said Sunday that the nation is “broke and broken,” blaming the situation on its predecessors ahead of a major speech on the state of the public finances that is widely expected to lay the groundwork for higher taxes.

In a sweeping assessment three weeks after taking power, Prime Minister Keir Starmer’s office professed shock at the situation they inherited after 14 years of Conservative Party rule, while releasing a department-by-department analysis of the perceived failures of the previous government.

The critique comes a day before Treasury chief Rachel Reeves is expected to outline a 20-billion-pound ($26 billion) shortfall in public finances during a speech to the House of Commons.

“We will not shy away from being honest with the public about the reality of what we have inherited,’’ Pat McFadden, a senior member of the new Cabinet, said in a statement. “We are calling time on the false promises that British people have had to put up with and we will do what it takes to fix Britain.”

Starmer’s Labour Party won a landslide election victory earlier this month following a campaign in which critics accused both major parties of a “conspiracy of silence” over the scale of the financial challenges facing the next government.

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Labour pledged during the campaign that it wouldn’t raise taxes on “working people,” saying its policies would deliver faster economic growth and generate the additional revenue needed by the government. The Conservatives, meanwhile, promised further tax cuts in the autumn if they were returned to office.

As proof that the previous government wasn’t honest about the challenges facing the country, Starmer’s office pointed to recent comments from former Treasury chief Jeremy Hunt confirming that he wouldn’t have been able to cut taxes this year if the Conservatives had been returned to power.

Those comments came in an interview with the BBC in which Hunt also accused Labour of exaggerating the situation to justify raising taxes now that they’ve won the election.

“The reason we’re getting all this spin about this terrible economic inheritance is because Labour wants to raise taxes,” Hunt said on July 21. “If they wanted to raise taxes, all the numbers were crystal clear before the election. … They should have levelled with the British public.”

The government on Sunday released an overview of the spending assessment Reeves commissioned shortly after taking office. She will deliver the complete report to Parliament on Monday.

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Those findings led the new government to accuse the Conservatives of making significant funding commitments for this financial year “without knowing where the money would come from.’’

It argued that the military had been “hollowed out’’ at a time of increasing global threats and the National Health Service was “broken,’’ with some 7.6 million people waiting for care.

And despite billions spent to house migrants and combat the criminal gangs ferrying migrants across the English Channel on dangerous inflatable boats, the number of people making the crossing is still rising, Starmer’s office said. Some 15,832 people have crossed the Channel on small boats already this year, 9% more than during the same period in 2023.

“The assessment will show that Britain is broke and broken — revealing the mess that populist politics has made of the economy and public services,” Downing Street said in a statement.

The quandary the government finds itself in should be no surprise, said Paul Johnson, the director of the Institute for Fiscal Studies, an independent think tank focused on Britain’s economic policies.

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At the start of the election campaign, the institute said that the U.K. was in a “parlous fiscal position” and the new government would have to either raise taxes, cut spending or relax the rules on public borrowing.

“For a party to enter office and then declare that things are ‘worse than expected’ would be fundamentally dishonest,” the IFS said on May 25. “The next government does not need to enter office to ‘open the books.’ Those books are transparently published and available for all to inspect.”

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