Cookbooks now a days are so expensive, and even if you splurge on the book you'll probably only love a handful of recipes. There's a much cheaper way to have all your favorite recipes at home and also get to keep trying new cookbooks. It's very straightforward and simple and you can use it to make cookbooks based on different types of cuisine, fill one up with celebrities favorite recipes, or just gather and fine tune a collection of your favorite meals. Here's the how to guide for getting your own personalized cookbook!


You'll need a binder, a printer, and either a library card or your own home computer. Make a note of the cookbooks you want to explore, or head to the internet to find great recipes. Now you're ready to start making your own cookbook. Personalized in every way, this book will only have the recipes that you want to have in your home without all the clutter of unwanted and unloved recipes.

All the Supplies Needed for Your Cookbook!

Libraries are a great place for browsing through cookbooks. With an extensive cooking section you can get an idea of what you want your book to be like. Don't worry if they don't have something you're looking for because your library can send out for anything that isn't on their own shelf. Take out whatever interests you! If you don't have a printer at home libraries can also offer scanning and printing services for a small fee, and even then just think about how much money you're saving by not buying a whole book. If you're taking something out wait and don't scan or print until you know what's worth saving.

An online glimpse into Chrissy Teigan's Cookbook on Google Books

Those using their own online sources should explore all the internet has to offer! Don't know where to start? Look at amazon to see what the top sellers are and see if any of those recipes are available online! Google books can offer you previews of cookbooks that you want to see and can give you an idea of what's worth looking for online or checking out of the library.

Keep in mind the recipes you know you love and starting cooking the ones you are trying for the first time! Weed out the weak and keep the ones that you would want to have again. All of those pages of recipes that don't make the cut won't be taking up space in your home. Never spend time looking for long lost online recipes with all your favorites at your fingertips!

With everything printed and laid out you're ready to set up a binder. A binder is better than a file folder for a few reasons. First off, it's a good idea to put your recipes into plastic protectors. That way you can spill whatever you want on them and they won't get filthy. Secondly, you can organize the binder in whatever way makes the most sense to you. Buy little tabs that separate sections or make your own out of sticky notes, paper, and tape. Last but not least, you choose the size of the sections. Make a large dessert section if you like to bake. If you don't have a sweet tooth then have dinner make up the bulk of the book. It's even a great method breaking everything down by seasons if you want to eat along with what's being harvested.

My 2 Big Sections

Making your own cookbook and taking the time to organize it can save you a lot of money. If you can't decide what to make you already have a ton of approved beloved recipes that won't let you down. People who found recipes they wanted to try in the future can save them in there too, and you won't be scrambling to find it again. So get out there and get exploring! Best of luck and eat up!

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Developing further skills can boost your career at any stage.

Whether you are looking for a new job or trying to grow in your current one, getting a certification can be a great way to improve your skills.

Anyone can put that they are proficient in a computer program on their resume but having a certificate can help you stand out amongst the competition and give credence to the strength of your skills.

But what's the best way to invest in yourself without breaking the bank? Some certification programs can cost hundreds if not thousands of dollars. We are going to walk through six of the best certifications you can get for $100 or less.

Tableau

Tableau's data visualization capabilities are comparable to Domo and Power BI.

Who is it best for: Those who work with analyzing and presenting data.

Cost: $100 for Tableau Desktop Specialist; additional certifications are available for a larger fee.

More companies than ever see themselves as data companies. Being able to understand data and use it to guide decisions at your company is often critical to taking on a leadership role. Not to mention, being able to present the data in a clean, attractive, and compelling way can help get buy-in from others in your organization or clients. That's why Tableau is a great tool to have in your toolbox.

Tableau allows you to create interactive visual analytics dashboards. In layman's terms, you can take data; create graphs, maps, or charts; and then allow end-users to interact with these graphics to better understand the information. It's a fantastic tool allowing non-technical users to gain insights for data-driven decision-making.

Tableau Desktop Specialist certification starts at $100 and has no expiration date. There are many videos on Tableau's site to prepare for your exam as well as Tableau Starter Kits allowing you to play around and learn the different capabilities of the program. Tableau offers a 14-day free trial as well as free license for one year for students.

Additional certifications after Desktop Specialist are Desktop Associate and Desktop Professional. Those working with a Tableau server may also be interested in a separate certification as a Server Associate or Server Professional.

The Federal Reserve sets the guardrails for the federal funds rate, and through that helps control the money supply for the nation.

When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.

A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.

One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.

The Federal Reserve The Federal Reserve


The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.

This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.

The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.

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Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.

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