Ashnoor Kaur is an incredible social media sensation. However, her hairstyle frequently impresses fans. Take cues from the photos below.

Ashnoor Kaur is one of the most skilled and well-known young divas and performers in the digital entertainment industry. She continuously tries out new looks and fashions, and her hair is always perfect. In this piece, we’ll look at some Ashnoor Kaur-inspired spring hairstyles that are perfect for the holidays.

Ashnoor Kaur’s Casual Hairstyle Inspo-

Beach Waves Hairstyle

Ashnoor Kaur’s mastery extends to the versatile beachy waves, a hairstyle that transcends seasons and occasions. Whether you’re at a holiday party or a casual gathering, this style is a perfect fit. To achieve it, curl your hair into loose waves, then use your fingertips to create a natural, beachy look. Add a texturizing spray for volume and hold and small hair accessories for a touch of charm.

Ponytail Hairstyle

The ponytail is a timeless hairstyle perfect for a day at the beach or by the pool. Ashnoor Kaur’s ponytail is sophisticated and stylish. Pull your hair back into a high ponytail and tie it with an elastic band to achieve this look. For a dramatic look, leave some front strands open. Use shine serum to give your hair a shiny finish.

Both sides of Braided Hairstyle

Braids are a wonderful choice for those seeking a low-maintenance yet attractive hairdo. The braids on Ashnoor Kaur’s hair are simple yet gorgeous. You can choose a standard braid or something more unique, such as a two-sided braided with colorful cloth braids to add some oomph appearance. Whatever style you choose, secure the ends with an elastic band and spray with hairspray to keep them in place.

Which hairstyle ideas will you try for this holiday season? Share your opinions in the comments below, and stay tuned to IWMBuzz.Com.

About The Author Srushti Gharat

Srushti Gharat, a writer by profession, holds a Bachelor degree in Multimedia and Mass communication and have experience in writing English content. Books, music, coffee & news items make her day. She loves traveling, has a passion for good English Grammar, learning new languages and reading books.

 

How To Make A Budget: A Step-by-Step Guide

kate_sept2004 / Getty Images

If you’re not socking away cash in an emergency fund, you’ll find it much harder to handle any regular or surprise expenses such as credit card debt repayment or medical bills. Budgeting involves analyzing your bank account to assess how you allocate your net income for expenses and adjusting your spending accordingly.

Check Out: 6 Unusual Ways To Make Extra Money (That Actually Work)

These include variable expenses, fixed expenses and what you put away toward your retirement plan. There are many ways you can prepare and review your budget to build one that suits you best.

How To Budget Your Money in 6 Steps

When you are making a personal budget, you need one that is realistic for your needs. You may want to start with a few broad spending categories or monthly expenses and narrow them down as you learn your spending patterns and where you have room to save money. An elaborate budget may not be realistic, so start with small, short-term goals and build toward big, long-term goals.

Even adding a small amount of money to emergency savings each week adds up over time, which can help you better reach your financial goals. Money management is not always easy, but knowing how to get started can help. These step-by-step instructions for how to make a budget will get you going:

• List all your living expenses

• List flexible and recurring expenses

• Add up your after-tax income

• Set financial goals

• Record and track your spending

• Adjust and review your budget for growth

• 1. List All Your Living Expenses

  Start with budgeting living expenses like housing, food, transportation and car payments. These are all payments you make each month or week and are considered necessities. It’s important to factor in needs versus wants when it comes to knowing what you are actually spending money on.

  2. List Flexible and Recurring Expenses

  By analyzing your recurring expenses, you can see what are priorities and what are not. Paying down debts such as student loans is important, but subscriptions to five different streaming services are not. Edit down what you use and what you don’t to trim some fat from where you’re spending money.

  3. Add Up Your After-Tax Income

  Add up your take-home income, which is what you make after any taxes or deductions. Make sure to include income from your spouse or partner’s full-time job and any money from side hustles and other gigs. When you know the total amount you bring in each month, it makes it easier to break down your budget.

  A good way to split up your savings and expenditures is by putting them into budget percentages. For example, you could try the 50/30/20 rule. This is where you allocate 50% of your income to your needs, 30% to wants and 20% to building up savings and paying down debt.

  4. Set Financial Goals

  Use your priorities to set aside money for a future payoff. Your priorities for financial goals might include:

• Overall financial stability

• Establishing a savings or emergency fund

• Saving for retirement

• Paying down debt

• Saving for a large purchase, such as a home, car, education or starting a business

• 5. Record and Track Your Spending

  You can record and track your spending manually, but there are also several great tools or apps you can use to do so. If you’re a longtime user of an app or method, you have an established history that you can use to inform your decisions. If you want to try something new, make sure it has features that best inform you on your financial journey.

  Each week, touch base with other spenders in your household so you’re on the same page with your income and expenses for the week. Look at the previous month and evaluate your spending as compared to your budget. Here’s one way to do this:

• Make a column for your spending budget.

• Make a column for your actual spending.

• Determine the percentage you spent in each category.

• Calculate the difference between your budget and your actual spending.

• 6. Adjust and Review Your Budget for Growth

  Adjusting, reviewing and reevaluating your budget regularly should be a part of your process. Use your monthly monitoring to decide your budget percentages for the next month and allow for changes in income or expenses. Look at categories where you overspent and allocate funds or cut spending in those categories.

  Over time, you’ll find out how to improve the budgeting process so that it better reflects your goals and priorities.

  Types of Budgeting Methods

  When it comes to how to approach budgeting, there’s an option for everyone. Here are some popular methods:

• 50/30/20: Developed by Sen. Elizabeth Warren, this budgeting method allocates 50% of your income to your needs, 30% to wants and 20% to building up savings and paying down debt.

• Zero-based budgeting: With zero-based budgeting, you allocate all of your income so that your income minus your expenses equals zero. Every dollar that comes in has a function.

• Envelope method: Popularized by Dave Ramsey, this method uses cash in envelopes to control spending. Each spending category has an envelope, and once the money is gone, you stop spending.

• 80/20: You focus on setting aside 20% of your income for savings. Everything else comes from the remaining 80%.

• Tips for Better Budgeting

  Any budgeting method can work, but it might take some experimenting to find the right one for you. Be sure to take advantage of expert advice and tools at your disposal when available.

• Choose a method: The 80/20 budget is a good starting point since its goal is to help you build up your savings. The 50/30/20 budget is another beginner-friendly option. It helps you focus on what’s important: covering essential expenses, saving and paying down debt.

• Use tools and apps: Many banks offer tools to automate recurring payments and analyze your spending. You can also look at the many budgeting apps out there. Check user reviews and forums to see what might work best and what’s reliable.

• Avoid fads: Financial gurus are constantly offering what seems like new and exciting budgeting advice. While it might be tempting to go with a new method, it’s best to stick with what works for you.

• What To Consider When Making a Budget

  Income and expenses might vary month by month. Preparation is key to riding them out while sticking to your budget. Consider the following factors that could affect your budget:

• Irregular income: Budgeting can become an issue for self-employed and commission-based workers. It could also come into play with a side business. Once all monthly budget items are covered, this money can go to faster debt payoff, wants or savings.

• Irregular expenses: These expenses are predictable but infrequent. Property taxes and periodic car maintenance are examples. You can budget the amount in a specific month. Or, if you have less flexibility, a monthly contribution toward that eventual expense might work better.

• Emergencies: These are irregular expenses that you can’t predict, such as a hospital visit or storm damage to your home. Create an emergency fund for these items by setting aside a percentage of your income or maintaining a fixed amount in your savings account.

• Final Take To GO

  Though you should reflect on budget mistakes, don’t let them hold you back. Regroup and keep going so you can meet your financial goals. Learning how to make a budget is an ever-evolving learning process, so stick with what works and edit what doesn’t.

  Budgeting money doesn’t mean buckling down and never having a latte again. When it comes to how budgeting helps, it means:

• You know how much money is coming in and how much is going out. Based on your priorities, you decide how much you want to spend on flexible expenses.

• You have a road map to your short- and long-term financial goals. After budgeting living expenses, you find money for other goals, like saving and paying down debt.

• You understand what your income and expenses are. You avoid getting to the end of a month and wondering what happened to your money.

• FAQ

  Here are the answers to some of the most frequently asked questions about making budgets.

• How do you create a budget for beginners?

• What is the 60/30/10 rule for budgeting?

• Slightly different than the 50/30/20 rule, the 60/30/10 budget rule is where you allocate 60% of your paycheck to savings, 30% to needs and 10% to wants.

• What is the 50/30/20 budget rule?

• How do I make a simple monthly budget?

• You can make a simple monthly budget by listing all of your expenses. This would include all recurring expenses, living expenses and debt payments. Next, calculate your after-tax income. From there, you can set up financial goals and track your spending.

• How do you budget when you make $1,000 a month?

• When you make $1,000 a month, a budget is very important to keep you on track and help you stretch every dollar. A good option to consider is the 50/30/20 budget. For this budget rule, 50% of your after-tax income goes to needs, 30% is for wants and 20% is for savings. You can also tweak the percentages to fit your lifestyle. If, for example, you don't have 20% for savings, you can lower that category percentage to 10% or even 5%.

Caitlyn Moorhead contributed to the reporting for this article.

This article originally appeared on GOBankingRates.Com: How To Make a Budget: A Step-by-Step Guide

 

How To Start A Business Plan: A Step-By-Step Guide

How To Start A Business Plan: A Step-By-Step Guide

getty

Creating a business plan is a critical first step for any entrepreneur. Knowing how to start a business plan will help you create a roadmap, guiding your business from startup to growth and beyond. Whether you're looking for investment, trying to set clear goals, or simply organizing your thoughts, a solid business plan can make all the difference.

Here is a guide to help you get started on your business plan: 1. Executive Summary

What It Is: This section summarizes your business plan as a whole and outlines your company profile and goals.

What to Include:

• Business name and location
• Products or services offered
• Mission statement
• The purpose of the plan (e.G., seeking funding, guiding the startup process)

Tip: Keep it concise. Although it's the first section, it's often best to write it last, after you’ve detailed everything else.

2. Company Description

What It Is: This section provides detailed information about your company, including who you are, what you do, and what markets you serve.

What to Include:

• Your business structure (e.G., sole proprietorship, LLC, corporation)
• The industry and marketplace needs your business meets
• Your business’s objectives and how you stand out from competitors

Tip: Use this section to highlight your company’s strengths and what makes you unique.

3. Market Research

What It Is: Market research demonstrates your understanding of the industry and target market.

What to Include:

• Market size and growth potential
• Target customer demographics
• Market trends and outlook
• Competitive analysis, including strengths and weaknesses of competitors

Tip: Include data and statistics to back up your findings and show that you’ve done your homework.

4. Organization and Management

What It Is: This section outlines your business’s organizational structure and management team.

What to Include:

• Organizational chart
• Information about the ownership of the company
• Backgrounds and qualifications of the management team
• Roles and responsibilities within the company

Tip: Highlight the skills and experiences of your team that will help the business succeed.

5. Products or Services Line

What It Is: Here, you detail the products or services you offer or plan to offer.

What to Include:

• A description of each product or service
• The lifecycle of products or services
• Research and development activities, if applicable
• Intellectual property, such as patents or trademarks

Tip: Focus on the benefits your products or services bring to your customers.

6. Marketing and Sales Strategy

What It Is: This section explains how you will attract and retain customers.

What to Include:

• Marketing strategies, including advertising, promotions, and public relations
• Sales strategies, including sales processes, channels, and tactics
• Pricing strategy and how it compares to competitors

Tip: Ensure your marketing and sales strategies are aligned with your market research findings.

7. Funding Request

What It Is: If you’re seeking funding, this section outlines your requirements.

What to Include:

• Your current funding needs
• Future funding requirements over the next five years
• How you intend to use the funds
• Potential future financial plans (e.G., selling the business, repaying debt)

Tip: Be specific and realistic about how much funding you need and how it will be used.

8. Financial Projections

What It Is: Financial projections provide a forecast of your business’s financial future.

What to Include:

• Income statements
• Cash flow statements
• Balance sheets
• Break-even analysis

Tip: Use realistic and conservative estimates. Consider hiring a financial professional to help with this section if needed.

9. Appendix

What It Is: The appendix includes any additional information that supports your business plan.

What to Include:

• Resumes of key management team members
• Permits and leases
• Legal documents
• Detailed market research data
• Product photos

Tip: Only include essential information that adds value to your business plan.

Final Tips for Creating a Business Plan

Creating a business plan requires clarity and precision. First and foremost, keep your business plan clear and concise. Avoid using jargon or complex language that could make the plan difficult to read or understand. Your aim should be to communicate your ideas effectively and efficiently.

Next, be realistic in your approach. Ensure that your goals and financial projections are attainable based on your research and understanding of the market. Overly ambitious projections can undermine your credibility and potentially lead to unrealistic expectations.

It's also essential to remember that a business plan is a dynamic document. As your business grows and market conditions change, you should revisit and revise your plan regularly. This helps you stay aligned with your goals and adapt to new challenges and opportunities.

Finally, seek feedback from experienced business professionals. Having someone with business experience review your plan can provide valuable insights and help identify any potential issues or areas for improvement. Their feedback can enhance the overall quality and effectiveness of your business plan.

By following these tips, you'll be better equipped to create a robust and effective business plan that can guide your business towards success.

The bottom line is that starting a business plan may seem challenging, but with careful planning and attention to detail, you can create a comprehensive guide to steer your business toward success. Use this step-by-step guide to ensure that all essential components are covered, giving your business the best possible start.Popular Hairstyles | Trending hairstyles | Short hairstyles | Long hairstyles | Curly hairstyles | Braided hairstyles | Bob haircut | Pixie cut ideas | Easy hairstyles | Natural hairstyles | Summer hairstyles | Fall hairstyles | Wedding hairstyles | Prom hairstyles | Celebrity hairstyles | Retro hairstyles | Layered haircut | Shag haircut | Haircuts for round faces | Haircuts for oval faces | Haircuts for square faces | Short hairstyles | Long hairstyles | Curly hairstyles | Braided hairstyles | Bob haircut | Pixie cut ideas | Easy hairstyles | Natural hairstyles | Summer hairstyles | Fall hairstyles | Wedding hairstyles | Prom hairstyles | Celebrity hairstyles | Retro hairstyles | Layered haircut | Shag haircut | Haircuts for round faces | Haircuts for oval faces | Haircuts for square faces | Popular Hairstyles | Trending hairstyles |