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Welcome back to Three on Thursday, a weekly list of three things I'm loving at the moment that I think you should do, try, or buy.  If you're interested in past weeks and more recommendations, you can find those here.  If you make your own Three on Thursday list, please share it in the comments so I can check it out.


ONE.

My Annual Budget Template.  It might be a little bit early to totally plan out your yearly finances for 2020 but I wanted to share the template early enough that you could see how it would be useful in case you wanted to purchase when you start planning your 2020.  I love to get a feel for how the year is looking before it starts.  Part of that is planning and part of that is reflect on the current and previous years to really determine your spending patterns.  An annual budget is by no means something you can't tweak and need to stick to all year.  But it's incredibly useful to see how much you could be saving and investing if you stuck to a spending plan.  It also helps because you can see how many months you have to save up for a one time expense, like Christmas, and helps to not forget semi-annual expenses like car tags or insurance, so you aren't blindsided when the bill comes.

TWO.

Anchor App.  If you want to start a podcast, this is the app to use.  I wish it had existing years ago when Tara and I were podcasting because it would have made life so much easier.  We were recording separately and combining the audio files, editing, uploading, finding a place to host, syncing the feed with iTunes, just on and on because we had to do all of the backend stuff just to get it published on our own.  Anchor does it all for you and it's free!

THREE.

Crystals from World Tree Healing.  It's an incredibly sweet little store that isn't too far from my house, so I decided to go check it out.  They have tons of great supplies there, including lots of crystals.  Which I feel like everyone loves, right?  No, just me?  Am I the only one whose mother had to practically drag out of the gem exhibit at the museum?  I could spend hours sifting through gems, truly.  But buying them all isn't a part of my shopping ban year and it certainly isn't conducive to my minimalist, clutter free household.  So I try not to go crazy and instead pick the ones that are the most bang for your buck - meaning they have many, varied uses and symbols.  These tend to be ones like clear quartz, amethyst, rose quartz, selenite and citrine.