betney

Tuck your shirt into your pants to prevent the cold from sneaking in

Put on a sweater or a hoodie over that, and then also wear a coat over that

Put on a beanie and then pull your hood up over that (BOTH hoods if you're wearing a hoodie instead of a sweater)

Wear a scarf underneath your coat hood. You want it to be kept as close to you as possible, and hopefully high enough that you can tuck your nose into it while walking outside

Wear solid pants like jeans, and put on tights, leggings, or (if you actually have any) long underwear underneath

Wear two pairs of socks—at least one of which is long socks—and tuck your leggings into those

Wear boots or some other thick shoe with good traction if you have any

GLOVES. Wear two pairs if you need to. I only have one pair and now my hands are my only weak point 😭

Personal art is memes and shitposts while the Commission art has so much sparkles

You can’t go wrong with sparkles haha 

It’s a must

⚠️SCAM ALERT⚠️

soo scams have been on the rise lately. i was recently approached by a woman saying she wanted a portrait of her daughter for $200. she “accidentally” wrote a check for $2000 instead, wanting me to send back $1800.

i almost did it, because i assumed a faulty check wouldn’t deposit. luckily i looked up mobile banking check scams. YOU CAN STILL BE SCAMMED WITH A BAD CHECK. it won’t flag it till later, leaving you owing money.

This one’s a popular variation on what’s called an ‘overpayment’ scam. Any time anybody sends (general) you money and then asks you to send some of that money back, you should be looking out for this. 

Also, because apparently a lot of younger people don’t know this: cheques aren’t immediate payments. It can take five to ten days for a cheque to clear - that is, for the other bank or credit union to get notified about the cheque trying to be withdrawn from the account they hold, determine whether or not the cheque is legit and the funds are available, and either let the cheque go through or ask for the money back if the cheque is bad. Yes, you can see your account balance go up immediately, but that money gets taken right back out of your account if the cheque is bad.

On an episode of Bar Rescue I saw once, the bar owners hadn’t paid their staff for several months, and Jon Taffer insisted that they pay their staff before he’d help them. However, he had the bar owners write the manager a cheque for the back wages, and then go and deposit the cheque to her account that same day, and then when she came back the same day and said she’d been able to deposit the cheque, he went ahead. That cheque could easily have bounced three days later and the staff still wouldn’t have been paid their back wages. 

It’s a good rule of thumb, if you’re accepting a cheque, to assume the money isn’t actually there until at least a week has passed. (Some banks or credit unions will have what’s called a ‘standard hold’ on certain types of cheque deposits, so that you actually can’t access those funds until after the cheque clears. If you’ve ever deposited a cheque at an ATM, you’ve probably run into this.)