How to Transition from Two Incomes to One Many families enjoy the security of a two-income household. Many working parents admit that they would rather spend more time at home raising their kids. In the current economy, it is easy to see why. Having at least one parent at home is preferable in certain situations, although they will be losing one income. Transitioning from two incomes back to one is a big change but can be accomplished if you have a plan. Transitioning from two incomes down to one can seem a little overwhelming, but if you follow these tips for living on one income, you’ll make the transition smooth and easy.
Have a Plan Having a plan ahead of time relieves stress and worry about what will happen when the change occurs. If you have a budget based on a single income, it will be easier to see how the money will be spent and help you worry less.
Put Money in a Savings Account Announcing your departure and heading off without any savings in the bank is a recipe for disaster. Financial experts recommend having at least 6 - 12 months of income put aside in savings to live on in the event of an emergency.
Pay Off as Many Bills as You Can It will be easier to make the transition to one income by not having car payments and credit card bills looming overhead. It is a good idea to pay down the largest bills first, and then the smaller ones.
Eliminate Unnecessary Expenses Living on one income means cutting back on expenses to stay within the budget. There are free sources of entertainment that can be utilized while cutting out cable and trips to the movies.
Find Alternative Health Care Coverage Leaving a job means losing the health benefits from that position. Research insurance companies and find one with low-cost premiums that cover the whole family.
Practice Living on One Income Before You Decide If the thought of losing half your income is worrisome, practice it for a month before making the transition. You can use one income to pay the household bills and buy groceries and save the second income in the bank. Making the switch to a single income can be made easier by planning and covering the most important things.
Canvas or Digital: What Kind of Artist Are You? The growing use of digital art software has resulted in a new surge in computer art. This technology is widely available to everyone with a computer and basic technical skills. However, many people are still interested in the old-fashioned form of painting, drawing, and sculpting. It's important to compare the options and decide if being a canvas or digital artist is the better route to take.
Benefits of Canvas Art Preserve a Traditional Art Form Painting is a prehistoric, ancient, and modern form of expression that has impressed people for tens of thousands of years. Today, a canvas painter is continuing this tradition. Along with having a wild imagination, all that anyone needs are a few simple tools, such as a canvass, easel, and paintbrushes. The greatest painters in the world did not have access to modern conveniences like computers or cell phones, but they still created the greatest artistic masterpieces that anyone has ever seen.
Work With Basic Tools and Skills Painting requires the possession of basic tools and skills to complete the work. There's no requirement to have an advanced college degree or thousands of dollars of art supplies to make paintings. There's also no need to buy expensive computer software or read complicated instruction manuals to create artwork either.
Benefits of Digital Art Digital art is more complicated to make than traditional art; however, its designs are more creative and interesting to look at. There are more digital art genres to work with, such as: ● ●
Fractal art 2D graphics
â—? â—? â—?
3D graphics Pixel art Digital photography
Digital artists can take any existing picture and transform it into an entirely different digital world. They can create graphic designs that appear in business cards, online advertisements, TV commercials, video games, music videos, and many other media forms. Although most graphic designers have years of experience, anyone can become a digital artist if they have access to basic digital software. There are different types of traditional and digital art. Most people already own computers and know how to use basic software programs. They are also familiar with the brushes, easels, and canvases that traditional painters use. They should consider all of the main advantages of being a canvas artist and a digital artist.