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Creative Success = Financial Balance with Flexible Budget Plans As a creative individual, dealing with irregular income can be daunting. In this episode of From "Creative Passion To Profit", titled "How Creatives Can Budget for Regular Income," I, Mahmood, tackle one of the biggest challenges faced by those in the arts and creative world—budgeting. Have you ever felt the high of being fully booked and having commissions flying off the shelves, only to be met with silence and income droughts the following month? You're not alone. But here's the good news: with a little planning, you can smooth out those financial ups and downs. In this episode, I'll share three simple steps to help you build a budgeting system that fits your lifestyle and supports your creative ambitions. You'll learn how to determine your essential baseline expenses, create a financial buffer for quiet months, and implement a flexible yet simple budgeting method that allows you to thrive creatively and financially. You'll also have some homework tasks... Timestamped Summary: [00:00:00] Introduction to challenges of budgeting with erratic income. [00:00:58] Step 1: Determine your baseline expenses. [00:02:12] Step 2: Build a financial buffer for quieter months. [00:03:46] Step 3: Apply a simple, discipline-based budget system. [00:04:58] Homework: Calculate baseline expenses and track income. Mentioned in this episode: Training Training Training Find out more about Budgetwhizz Find out more about Budgetwhizz Budgetwhizz…
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The Penn Stated podcast is your destination for expert analysis and insight into Penn State football. Join host Donnie Collins, The Scranton Times-Tribune's Penn State beat writer, as he dishes out the nitty gritty on the Nittany Lions each week. Whether it happens on the field or behind the scenes, Donnie will break it down in an informative and entertaining show. From the casual to the diehard, Penn Stated is a must listen for any fan of the Blue and White.
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The Penn Stated podcast is your destination for expert analysis and insight into Penn State football. Join host Donnie Collins, The Scranton Times-Tribune's Penn State beat writer, as he dishes out the nitty gritty on the Nittany Lions each week. Whether it happens on the field or behind the scenes, Donnie will break it down in an informative and entertaining show. From the casual to the diehard, Penn Stated is a must listen for any fan of the Blue and White.
Penn State knows where it's ranked (not that it matters). They'll sign up for finishing where they start, too. On this week's episode of the Penn Stated podcast, co-hosts Donnie Collins and Sam Fremin of The Times-Tribune in Scranton discuss the Nittany Lions' season-opening No. 8 ranking in the Associated Press poll, which was released on Tuesday. Obviously, they will be happy to finish there in the College Football Playoff rankings, considering a No. 8 will get them a home game in the first round of the 12-team tournament. But are they overrated in that spot, or underrated? Donnie and Sam discuss that, as well as the overrated-or-underrated question on the rest of the nine teams that comprise the top 10, including three other Big Ten teams: No. 2 Ohio State, No. 3 Oregon and No. 9 Michigan. In the second segment, the hosts discuss the most important players on the Penn State roster this season, drafting their top 6 players in terms of importance. Some may surprise you. Others might not. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
Penn State's depth took a hit last week. Or, maybe more accurately, the reality of Penn State's depth at certain positions came to light. But as the Nittany Lions' local media day came and went last weekend. one theme emerged: There's guarded optimism around the program that enough players are ready to take the next step that we could be seeing a new era of Nittany Lions football once the season starts on Aug. 31 in West Virginia. On this week's episode of the Penn Stated podcast, hosts Donnie Collins and Sam Fremin discuss that gap between Penn State's hopes and the expectations of the programs at the top of the food chain in the Big Ten and around the nation. How close is Penn State this season to potentially getting to that level? What do they need to happen? Are there too many unknowns? Donnie and Sam also discuss the value of captains, the depth at cornerback, and the level of their confidence in where the program is at now in relation to a year ago. Plus, should Michigan's national championship be stricken from the books after the NCAA came down with a "heavy" sanction against head coach Jim Harbaugh for recruiting violations? Tune in to find out their take. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
Penn State will play football this month, so let the conjecture begin. And, there is certainly plenty to conject (granted, that might not be a word) about as the Nittany Lions opened training camp this week. Hosts Donnie Collins and Sam Fremin give their thoughts on the suspensions of second-year standouts Jameial Lyons and Kaveion Keys and what their current status means for a defense that is on the thin side without them, especially at defensive end. Who could step up there, and is there any chance it means not having to roll the dice on a young player with little experience? Donnie and Sam also delve into some of the issues on offense, including the issue brought up in recent weeks by an unlikely source: Leadership. Is quarterback Drew Allar ready to take the offense by the scruff and guide it to newer heights? Is that necessary? All that, and more, on the Season 3 debut episode of the Penn Stated podcast. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
Co-hosts Donnie Collins and Sam Fremin of The Times-Tribune in Scranton wind down the second season of the Penn Stated podcast with a look ahead to training camp opening in a month. But, they also celebrate Independence Day with an honest look at the realities the program and its head coach are facing. In the opening segment, the hosts discuss the stories they're looking at closest as camp approaches, with each picking one of the new coordinators. They wind down with a look at the role coaching plays at Penn State, why it's so important and how difficult James Franklin's job realistically is to do, with the expectations on him and the team to make the inaugural 12-team playoff this winter. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
The Penn Stated podcast returns with discussion about expansions, and contractions. The Board of Trustees' approval to spend up to $690 million on the long-awaited renovation of Beaver Stadium dominates the discussion between hosts Donnie Collins and Sam Fremin of The Scranton Times-Tribune, with both expressing concerns over the project and also recognizing its necessity. In the second half, they talk about Penn State baseball's sudden rise to prominence over the past week in the Big Ten tournament, signaling a potential turnaround for the program under first-year coach Mike Gambino. But as it always seems to do, the conversation turned to the impact NIL is having on roster management in college football after a slew of players entered the NCAA transfer portal this month. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
Fresh off the weekend's NFL Draft, Penn Stated hosts Donnie Collins and Sam Fremin took some time this week to discuss the landing spots for eight Nittany Lions chosen and the plight of some who weren't. Who went earlier than anticipated? What does the influx of Penn State players taken higher in the middle rounds than anticipated say about the program -- positively, or negatively? Penn State had twice as many players selected as Ohio State...what does that say about the 2023 season? And, does the order in which the players were ultimately selected matter much? It probably does to James Franklin. Donnie and Sam discuss all of that and more this week. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
Well, the changes in the wide receiver room that most expected to see in the Blue-White Game last week started to take shape a few days before. Former top target KeAndre Lambert-Smith is in the transfer portal, and so is another veteran, Malick Meiga, who could have contributed toward replacing him. The question now for Penn State is, what's next at a position that has caused plenty of consternation in recent months? Penn Stated hosts Donnie Collins and Sam Fremin discuss Lambert-Smith's departure, and perhaps more importantly, how the coaching staff plans to replace his production. Is it going to be through the transfer portal? One of the hosts has his doubts, especially after a decent outing in the Blue-White Game for a few younger players. Donnie and Sam also discuss the players who impressed them most in the spring scrimmage, and debate the best use of converted defensive end Abdul Carter, who will certainly add to a lethal rotation at defensive end but who also showed Saturday how valuable it is to have him on the field, somewhere. All that, and more, in this week's edition of Penn Stated. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
Sam Fremin will be on the desk on Saturday, but Penn Stated co-host Donnie Collins will be at Beaver Stadium for his "favorite" day of the year, the Blue-White Game at 2 p.m. on Saturday. But both hosts think this game has a chance to be one of the most educational spring-practice-ending games in recent memory. On this week's episode of Penn Stated, the hosts break down the positions to watch in Saturday's game, led by a group of talented but inexperienced cornerbacks and a receiving corps that underachieved and underwhelmed in 2023. Which players in that group have the best chance to stand out heading into the summer? Donnie and Sam also spend some time discussing the commitment of Spring-Ford High School quarterback Matt Zollers - one of the top prospects in Pennsylvania in the 2025 recruiting class - to Missouri. What does that say about the role NIL is playing in college sports? And, is it necessarily a bad thing for the game to see a top prospect eschew the top schools in favor of better opportunities at an up-and-coming program? To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
It's finally over. And we're not just talking about the All-James Franklin team, either. As spring practice inches closer to the annual Blue-White Game at Beaver Stadium on April 13, Penn Stated hosts Donnie Collins and Sam Fremin open this week's podcast by breaking down the most interesting storylines of the spring to this point...and how they can manifest themselves in the spring-closing scrimmage next weekend. How much of new coordinator Andy Kotelnicki's offense should fans expect to see in the Blue-White Game? Who are some of the players at key positions who need to have big games? Can the offense and defense work together in the game to achieve some goals heading into what is going to be a hotly contested fall camp with plenty of change afoot for the Nittany Lions? But the main event of this edition of the show is the conclusion of the All-James Franklin team. Celebrating Franklin's 10 seasons with the Nittany Lions, Donnie and Sam spent the last several weeks picking the best players at each position during the Franklin era, and they wind that team down this week with their picks at punter and kicker, and their four wild-card selections. Who didn't make the cut originally at their positions, but do now? And, what do the hosts feel was the most competitive position to pick a first-teamer at during this process? The answer might be surprising. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
As spring practice started in the last week, much of the conversation revolved around two position switches: The oft-talked-about move of Abdul Carter from linebacker to defensive end, and sophomore safety Mekhi Flowers' much-less-bandied-about move to receiver. Head coach James Franklin said during a press conference last week that both moves were precipitated by player request, which of course piqued the interest of both Penn Stated hosts, Donnie Collins and Sam Fremin. Is that indicative of a shift in philosophy for coaches who are more likely now to give a player what he wants to keep him happy and on the roster? Is it more about players feeling more empowered to ask for those changes? Or, is it simply something that happened all the time behind the scenes anyway, and just happened to be a big topic of discussion this year at two positions that needed extra manpower? Donnie and Sam discussed their thoughts on all of that, plus other positional battles that are intriguing them as the Blue-White Game approaches next month. The hosts also make their selections at Quarterback and Defensive End on the All-James Franklin team, which will wind down with a full roster next week. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
With the latest round of betting odds on who will win the 2024 Big Ten football championship coming out this week, Penn State finds itself in a typical position: Behind both Ohio State and Michigan, with Oregon having better odds as well, at least when it comes to public perception. But, is that necessarily an accurate way to look at how the Big Ten is shaping up this fall? On this week's edition of the Penn Stated podcast, hosts Donnie Collins and Sam Fremin discuss the odds, and why the Nittany Lions might be in a better position than many might think to finally break through at the top of the Big Ten standings for the first time in eight years come December. They also continue to round out the All-James Franklin Team, honoring the top players at each position during the head coach's first 10 years at Penn State. This week, they break down two loaded positions: Receiver and linebacker. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
It sure seems that way, if the reaction to Penn State's typically benign "competitors of the day" for winter workouts is any indication. With backup quarterback Beau Pribula practically sweeping the honor from quarterbacks coach Danny O'Brien in the early going during workouts, many commenters on social media are wondering if that gives the sophomore any edge in a potential quarterback battle with starter Drew Allar this spring. Well, Penn Stated hosts Donnie Collins and Sam Fremin have some news for those of you looking forward to the backup quarterback knocking off the incumbent. It isn't going to happen. Donnie and Sam also delve deep into the decision to move star junior Abdul Carter from the linebacker spot to defensive end for the 2024 season; Which of the hosts thinks it still might not happen, and which is convinced it will wind up being a boon to the defense that has thrived on a consistent pass rush the past few seasons? They both discuss the Board of Trustees' fumbling of backroom talks to name Beaver Stadium after former head coach Joe Paterno, and continue to build the current coach's All-Franklin team in the second segment - it's time to add the tight ends, offensive tackles and defensive tackles to the first and second teams - on a jam-packed episode of the podcast this week. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
Another week has passed, and college football has changed even more. That's the story of the game now, and it will continue to be for the foreseeable future. On this week's episode of the Penn Stated podcast, hosts Donnie Collins and Sam Fremin discuss Bill O'Brien to Boston College, Chip Kelly to Ohio State, and more moves that wouldn't have been expected in college football as recently as just a few years ago. They also talk about James Franklin's thoughts on the subject from his winter workouts press conference on Tuesday. What is the one area that needs to be fixed most for the health of the game in the free agency era? The answer Donnie and Sam provide might surprise you. The guys also spend the second segment discussing the latest additions to their All-Franklin Team, and there are some potentially controversial ones as they pick their top cornerbacks, guards and centers. Who is the Penn State star one host insists wouldn't have made his team despite multiple years worth of All-Big Ten honors? They also close with a tribute to near-Super Bowl MVP Ji'Ayir Brown, whose rookie season ended with a loss to the Chiefs in Super Bowl LVIII. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
National Letter of Intent Signing Day -- the "traditional" one, anyway -- came and went rather silently for Penn State in 2024. But there was still plenty of recruiting talk on the latest edition of the Penn Stated podcast. Hosts Donnie Collins and Sam Fremin broke down the fall of the February signing period and delved into the reasons why arguably the biggest non-gameday of the year in college football lost importance and will continue to do so. But in celebration of what the day used to be, they also further broke down Penn State's 2024 recruiting class that signed during the "early" signing period in December. Their focus: The handful of players in that class who did not yet enroll at Penn State. Which three do the hosts think have the best shot at enrolling during the summer and still seeing some playing time in the fall? After that, they got down to the real business of the show: The long-awaited start of the selection process for the All-James Franklin team. Donnie and Sam picked the first and second-team running backs and safeties in celebration of Franklin's recently completed 10th season as Nittany Lions head coach, and there may be a handful of surprises. A particular NJCAA powerhouse based in Scranton might have a few names on the list already, too. Find out who got the first spots on Donnie and Sam's All-Franklin team starting now... To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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Penn Stated: Talking Penn State Football with Donnie Collins
The longer you go without rules, the harder it will be to make rules. The NCAA might learn that lesson the hard way as it pursues sanctions against Tennessee for alleged recruiting violations stemming from a collective that works closely with athletes at the university in the Name, Image, Likeness realm. It's a story that affects all of college football, including Penn State, as collectives play a bigger and bigger role in attracting star athletes to the universities they choose to represent, promising cash and business opportunities. On this week's episode of the Penn Stated podcast, host Donnie Collins talks about what the Tennessee case could mean for Penn State and other major programs. But he also brings in a special guest - legendary Scranton Times-Tribune high school sports beat writer Joby Fawcett - to discuss the positives and negatives of NIL as it trickles down into the high school ranks. We know how it's likely affecting some athletes now. But, will high school sports exist in its current form in a decade or so after NIL gets done changing them, and the attitudes of high school-aged athletes and their parents? Donnie also delves into the postseason all-star games in college football, where a handful of Penn State's draft-eligible players are looking to make names for themselves in front of NFL scouts. Which one has impressed Donnie the most over the last week? That answer might surprise you. To contact Donnie, drop an email at dcollins@scrantontimes.com, or send him a message on Twitter @PennStateTT . Listen and subscribe on Apple podcasts Listen and subscribe on Google podcasts Listen and subscribe on Spotify…
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