Newsom Changes Course On Plan To Pay For Immigrant Health Coverage

Gov. Gavin Newsom’s administration Friday reversed course on his plan to divert public health dollars from several counties to help provide health coverage to young adults who are in the country illegally.

The administration heeded the alarm sounded by Sacramento, Placer, Santa Barbara and Stanislaus counties, which had warned that the governor’s plan would compromise their ability to cope with surging rates of sexually transmitted diseases and, in some cases, measles outbreaks.

“The Administration has subsequently reevaluated this proposal due to the potential negative impacts to public health activities in these counties,” Vivek Viswanathan, chief deputy director of the state Department of Finance, wrote in a letter Friday to the chairs of the state Assembly and Senate Budget Committees.

Sacramento County, for example, estimates it would have lost roughly $ 7.5 million  that goes toward operating its STD clinic and paying communicable disease investigators. It warned that without the money, it would have to close the STD clinic and cut its own health services for undocumented immigrants of all ages.

“The public health dollars being restored make a big difference particularly at a time we have measles,” Dr. Peter Beilenson, Sacramento County Health Services Director, told California Healthline Friday. “We’re thrilled. It’s a great thing for the patients that we’re serving.”

This year, there have been 44 confirmed cases of measles in California as of May 8, three of them in Sacramento County. Public health officials also are struggling to address record rates of sexually transmitted diseases, with more than 300,000 cases of gonorrhea, chlamydia and syphilis reported in California in 2017.

On Thursday, when Newsom unveiled his revised budget — one that still included the plan to divert money from the four counties — he announced it would cost less to cover young adult unauthorized immigrants next year than previously estimated.

Because the state would have to delay the implementation date by six months to address IT issues, he said, it would cost $ 98 million to cover them in 2019-20, a significant drop from his original forecast of $ 260 million. The number of people expected to enroll also has dropped from 138,000 to 106,000.

The lower cost estimate means the administration won’t need to divert money from those four counties. What it does need, it will take from a special state budget reserve fund, said Department of Finance spokesman H.D. Palmer.

Newsom still plans to divert state money from 35 mostly small and rural counties, funds that currently pay for health services for uninsured residents, including undocumented immigrants, Palmer said.

Those counties participate in something called the County Medical Services Program, which has a $ 300 million budget surplus, Newsom noted at his budget briefing Thursday.

“That’s more than enough to address their issues,” Newsom said.

He also noted that his budget includes $ 40 million to combat infectious diseases.

Legislators are crafting their own budget proposals and have held dozens of hearings examining Newsom’s plan. The governor and lawmakers have until June 15 to negotiate a final budget, so it’s not yet clear which proposals will be included.

Placer County, which has reported three measles cases this year, praised Newsom’s change of heart.

“I appreciate the governor listening to some of the potential impacts it could have on public health and realizing that, in this time in California, we need to be making investments,” said Jeff Brown, director of Placer County’s Health and Human Services Department.


This KHN story first published on California Healthline, a service of the California Health Care Foundation.

Kaiser Health News

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Your HelloGiggles horoscope, May 12th to May 18th: Sudden relationship changes ahead

Your HelloGiggles horoscope, May 12th to May 18th: Sudden relationship changes ahead


Your HelloGiggles horoscope, May 12th to May 18th: Sudden relationship changes ahead

We start the week on a passionate note—this is a time of deep grounding and empowerment for everyone. As I told you before, this Taurus season is all about self-care, self-love, empowerment of the self, and questioning our values and our worth. And this week, we’re really getting to the bottom of it with Venus entering Taurus with a bright conjunction to Uranus.

First of all, you can expect sudden changes in relationships. But the changes will be more symbolic. On a collective level, we’re all being pushed to relate in new ways, to others and to ourselves, to be more authentic, freer of expectations, and choosing growth over comfort. So that’s what the sudden changes are all about.

We end the week with a Scorpio full moon that is going to rock the boat in all relationships. This is the end of a cycle initiated in March—we can now breathe, so much wiser and healthier.

Let’s take a look at the weekly horoscope for each sun sign. Don’t forget to check your rising sign if you know it.

ARIES

Expect your relationships, and relating patterns in general, to be completely wiped out this week. You’re making space for a much freer, more authentic, and carefree version of yourself. All hell shall break loose!

TAURUS

Huge spiritual shifts are happening for you this week, Taurus. You have a golden opportunity to experience soul elevation, and you’re growing into your higher self. This week is all about opening your heart to compassion, kindness, and forgiveness, and this is going to be playing out mostly in your personal and business relationships. Take note of your dreams.

GEMINI

This week is focused on healing for you, Gemini. You’re plunging into the depths of your subconscious and being called to do a lot of self-exploration, an activity that will reach a peak for the full moon on Saturday. Remember to be kind to yourself, as change comes through acceptance.

CANCER

You have been working hard at your job, Cancer, and that is paying off this week not only in terms of career advancement and achievements, but also in the sense that you’re really getting to know and feel what makes you passionate. You’re being pushed to follow your heart, professionally and else. It’s a week focused on creativity and passion.

LEO

Work, work, work—your head has been focused on achievements, recognition, and praise, but this week, you’re going to get rebalanced on the opposite pole: validating yourself, and focusing on what’s going on emotionally inside you; finding out what you truly need as opposed to what looks good or what will give you popularity. Nest up and retreat within.

VIRGO

Your world has been shaken upside down for the last months, Virgo, and this week is kind of the climax of this energy. You signed up for an intellectual revolution—you must have noticed by now that truth and truths are different; a lot of your beliefs might have been shifted, and if that’s not the case yet, well, buckle up, because this week is about to bring just that.

LIBRA

Do I even need to say it? Yes, Libra, it’s about relationships this week, big surprise I know, but here is the tweak: This week for you is about confronting your feelings of worthiness and how they shape your relationships. You’re confronting whether or not you’re aware of your value(s) and whether or not your (potential) partner is aligned with them. A lot of it has to do with security—comfort vs. growth, known vs. unknown—and you can expect swift revelations and changes in relationships. Note, though, that it’s also a week that could shake up your financial situation as much as your relationship situation and, potentially, both could be linked.

SCORPIO

You can expect new beginnings and a focus on relationships this week, Scorpio. You’re at a time of self-improvement, and the work you’ve been doing on yourself is allowing you to enjoy a different energy in your relationships. Be careful not to be too hard on yourself—the goal isn’t perfection, and if you remain too much in your head, you can sabotage your efforts. Remind yourself to be connected to your body.

SAGITTARIUS

You’re swimming in deep waters this week, Sagittarius. You’re offered the chance to plunge into the depths of your psyche, and it could feel blissful or utterly confusing depending on how comfortable you are with this process. Love is still very much on the program for you this week, but you might find yourself choosing fun over soul work—be aware of your choices this week.

CAPRICORN

This week is social for you, Capricorn. It’s all about friendships and exploring hobbies and activities. It’s a nice break in your serious/all-work attitude, and you could find yourself exploring new horizons and being more spontaneous than usual. Enjoy it!

AQUARIUS

Serious breakthroughs in your career this week, Aquarius. You have a lot of mental energy to dedicate, and it’s paying off. Good idea to do things like journaling and running; you might feel a bit of mental pressure this week and could use some mental or physical exercise to blow off steam.

PISCES

This week might feel like a divine intervention for you, Pisces. A lot of the energy is about valuing yourself and loving yourself, and this persistent focus you have had on worthiness and value is paying off: your beliefs are changing, your perception is changing, and this is allowing more abundance and love into your life. A fun program for you that is the fruit of the last months’ efforts.

For more astrology from me, check out my website.

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CBS staffers left in the dark amid major changes

CBS is in chaos amid a massive shakeup at the network’s news division that will have Gayle King crowned queen of the morning show as soon as Monday, The Post has learned. As The Post first reported Thursday, CBS News head Susan Zirinsky has major changes in store for the morning and evening news programs,…
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Trump introduces sweeping changes to asylum in memo

President Donald Trump announced a plan for sweeping changes to the US asylum process Monday evening in a memo for the attorney general and homeland security secretary.


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Penney’s Changes Chief Men’s Merchant

The changes are continuing at J.C. Penney.
James Starke, the company’s longtime head of men’s wear, has exited the retailer and has been replaced by Jeff Useforge.
Useforge, whose title is senior vice president and general merchandise manager of men’s and children’s, will oversee the company’s private and national brands. He was formerly vice president and divisional merchandise manager of men’s, big and tall, activewear and team apparel for Penney’s. Before that, he was a senior buyer of big and tall and The Foundry, a big and tall concept that it had once hoped to roll out as a chain.
Useforge has more than 30 years of retail experience and began his career with Mercantile Department Stores. He also spent five years with Saks Inc. in the Proffitt’s and McRae’s division, where he was gmm of men’s and children’s. He has also worked for Bon-Ton and Kohl’s.
Starke had spent 13 years at Penney’s, mainly in the men’s department. His most recent role was senior vice president and senior gmm of men’s, children’s, jewelry and home, according to his LinkedIn profile. He joined Penney’s in 2005 after spending eight years at Foley’s in Houston, also primarily in the men’s area.
He could not be reached

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Oh, brother! NASA twins study shows how space changes the human body

An American astronaut experienced multiple biological changes in space but returned to normal – with some exceptions – after coming back to Earth, according to a study involving twin brothers that shed light on how space flight affects the human body. 


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The changes you should make to your skincare routine when you’re up the duff

pregnancy skincare

It’s no surprise that when you’re pregnant your skin changes. The rest of your body goes through its own transition, so why wouldn’t your complexion? When you’re pregnant skin can become more sensitive and some women might even experience bouts of acne, increased redness or pigmentation (nicknamed ‘the mask of pregnancy’) where they didn’t before. (It’s worth noting too that if you already suffer from rosacea or psoriasis, these can be exacerbated by pregnancy.) It’s not all doom and gloom though, because if you’re armed with the right pregnancy skincare regime, you can tackle these symptoms head on.

Here’s our roundup of the changes, how to treat them and which ingredients to avoid…

The main changes to skin when pregnant

‘Pregnancy brings about changes to your hormones, immune system, metabolism and blood vessels that influence the skin in various ways, explains Dr Ewoma Ukeleghe, founder of SKNDOCTOR.

Hormonal Acne

A surge in progesterone causes your body to produce more sebum, which can lead to hormonal acne in pregnancy. And annoyingly, it can affect your whole body so you could see a sudden increase in back acne and blemishes on your décolletage.

If this is something that you’re suffering from, then it’s even more important that you include the right products in your pregnancy skincare regime. You might have to pick up some new ones that you don’t have in your bathroom cabinet.

‘For particularly oily, acne-prone skin, I recommend you use products that contain AHAs (Glycolic Acid) and Azelaic Acid,’ says Dr Ukeleghe. These make for a great addition to you pregnancy skincare routine, because they’re also great for treating pigmentation.

The Mask of Pregnancy

The most common skin concern during pregnancy is hyperpigmenation. According to the British Association of Dermatologists, it can affect up to 50% of women during their pregnancy, because hormones are slightly out of kilter and your body starts to produce more oestrogen. Combined with an increase in photosensitivity, this presents itself as large patches of discolouration on the face. The increase in oestrogen is also why your areola (the round area around your nipples) darkens.

Dr Ukeleghe encourages daily SPF use: ‘Consistent sunscreen use will stop pigmentation from getting worse.’ You should be using a daily SPF of 30 or above anyway, but it is it particularly important during pregnancy, because your skin is more photosensitive.

This is why Jasmina Vico, a skin expert, recommends using a vitamin C serum every single day during your pregnancy to help brighten dark spots and pigmentation, as well as accentuating that maternal glowy complexion. She recommends Skinceuticals CE Ferulic or Phloretin CF (depending on your skin type) and Medik8 C-Tetra.

Sensitive Skin

Vico says the first thing you should do when you find our you’re pregnant is simplify your skincare routine: ‘Take out anything too harsh or abrasive, because your skin is much more sensitive at this time.’ She recommeds using as few products as possible as well, so stick to a good cleanser, toner, serum, moistuiser and SPF.

This increase in senstivity is what causes pregnancy hot flushes and a red tinge to the skin. Dr Ukeleghe suggest switching out your exisiting products for those that come from lines that are specifically for sensitive skin, like the Bioderma Sensbio range. But then she says, ‘Only slot in pregnancy-friendly actives if you have specific skin concerns, because excessive skncare routines and harsh ingredients can irritate.’

Ingredients to avoid when pregnant

1. Salicylic Acid (in high concentrations, anything below 2% is safe)
2. Vitamin-A (any product with retinol)
3. Skin lightening products (anything containing hydroquinoane)

Keep scrolling for our edit of products to introduce into your pregnancy skincare routine:

The post The changes you should make to your skincare routine when you’re up the duff appeared first on Marie Claire.

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Lockheed, Raytheon prepare production changes amid US-Turkey dispute over Russian missile deal

As it stands, Turkey faces removal from the F-35 program, forfeiture of 100 promised F-35 jets, cancellation of a Patriot missile deal and imposition of U.S. sanctions as well as potential blowback from NATO if the deal with Russia is completed.
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4.2.19 Schwab changes the game on investing advice fees; Bottled water; Car congestion tax

Schwab’s new Netflixesque pricing for financial advice will be a game changer for some investors; A lawsuit against one bottled water company alleges false advertising; Manhattan has a new car congestion tax coming. Clark gives his thoughts.

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Trump Administration Changes Course, Asks Court To Strike Down ACA

In a dramatic move that will have implications for the coming 2020 election, the Trump administration Monday night reversed its previous position and asked a federal appeals court to strike down the entire the Affordable Care Act.

The Justice Department said it now agrees with the plaintiffs in a lawsuit challenging the law — a group of Republican attorneys general and governors.

In December, U.S. District Judge Reed O’Connor in Fort Worth, Texas, agreed with the GOP plaintiffs, saying that because the 2017 tax law passed by Congress eliminated the tax penalty for not having health insurance coverage, the rest of the health law is now unconstitutional.

A group of Democratic attorneys general, led by California’s Xavier Becerra, appealed that ruling to the 5th Circuit Court of Appeals. The law remains in place while the case proceeds.

The Trump administration originally declined to accept the plaintiffs’ argument. Instead, officials argued that since the tax was now gone, the provisions of the law requiring insurance companies to sell to people with preexisting conditions and not charge them more should fall.

Now that position has changed.

“The Department of Justice has determined that the district court’s judgment should be affirmed,” said a terse letter from Assistant Attorney General Joseph “Jody” Hunt to the appeals court handling the case. That means the administration is now formally supporting elimination of the entire ACA.

The Department of Health and Human Services declined to comment on the change and referred all questions to the Justice Department.

President Donald Trump has repeatedly called for the law to be repealed and replaced, but when Republicans controlled Congress they could not muster the necessary votes. Just last week, he lashed out at the late Sen. John McCain (R-Ariz.) for failing to support that effort.

The government’s court filing came on the same day federal officials announced that more than 11 million people used the insurance marketplaces set up by the law to purchase policies this year. The Justice Department move also occurred hours before House Democrats were scheduled to unveil their proposal to shore up the health law — setting up another battle line for the 2020 contests.

But Democrats on Monday night were quick to challenge the latest action.

“While the Trump Administration broadens its monstrous ambitions from destroying protections for pre-existing conditions to tearing down every last benefit and protection the Affordable Care Act provides, Democrats are fiercely defending the law of the land and protecting all Americans’ health care,” said a statement from House Speaker Nancy Pelosi.

Senate Minority Leader Chuck Schumer blasted the move in comments on the Senate floor Tuesday morning. “In two short sentences, the Trump administration crystallized its position that the health care coverage enjoyed by nearly 20 million people, as well as the protections by tens of millions more with preexisting conditions, should be annihilated,” he said.

Lawyers who have been following the case call the administration’s actions more than unusual.

“Much as it may dislike the fact, the Trump administration has an obligation to defend acts of Congress,” wrote Nicholas Bagley, a University of Michigan law professor and a former Justice Department attorney, in a blog post.

Invalidating the ACA could also have enormous effects on the entire health system. It would end not only the health exchanges, but also the expansion of the Medicaid program, numerous changes to Medicare and protections for people with employer-provided coverage.

“The act is now part of the plumbing of the health care system,” Bagley wrote. “Which means the Trump administration has now committed itself to a legal position that would inflict untold damage on the American public.”

Kaiser Health News

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Prenatal allergies prompt sexual changes in offspring

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Child Development News — ScienceDaily

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‘Pet Sematary’ Tickets Now on Sale: Watch The Stars and Filmmakers Explain The Biggest Changes Between Book and Movie

'Pet Sematary' Tickets Now on Sale: Watch The Stars and Filmmakers Explain The Biggest Changes Between Book and Movie

Fresh off its frightening debut at SXSW, where it was identified as the scariest movie to see as soon as possible, Pet Sematary is heading to theaters with terrific early buzz. In the latest adaptation of Stephen King's iconic novel, Jason Clarke and Amy Seimetz star as parents who move their family to a beautiful new home with the best of intentions, never suspecting that they will soon be unleashing undead terrors that they could never have imagined. John Lithgow also stars as a kindly…

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Cadbury is making big changes to the iconic Heroes tubs

Say hello to some new additions

cadbury heroes

This Easter we have a lot to look forward to in terms of chocolate – the Aldi ruby chocolate gem Easter egg, Game of Thrones chocolate dragon eggs, Ferrero Rocher mini eggs

And if you’d prefer something savoury, there’s even a cheese Easter egg so that you don’t have to miss out while everyone else is tucking into their chocolate.

But if you’re after a sweet treat you can get stuck into all year round, Cadbury has some exciting news. They’ll be changing up the goodies in their iconic Heroes tubs.

Don’t panic that some of your favourites will be replaced. All the current chocolate minis will stay where they are – it’s just that there’ll be some new little bars on the scene.

Cadbury is inviting Dinky Deckers and Crunchie minis to the Heroes party.

Dinky Deckers are the smaller version of the popular Double Decker, a crispy cereal and soft nougat mix covered in chocolate. The Crunchie mini is a bitesize version of the classic, honeycomb dipped in chocolate.

They’ll be joining the current line up of Dairy Milk, Twirl, Wispa, Fudge, Eclair and Creme Egg.

The boxes, tins and cartons will be upgraded to include the latest additions in April and will be available nationwide.

We’re SO ready.

The post Cadbury is making big changes to the iconic Heroes tubs appeared first on Marie Claire.

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Diet-induced changes favor innovation in speech sounds

Diet-induced changes in the human bite resulted in new sounds such as ‘f’ in languages all over the world, a study by an international team led by researchers has shown. The findings contradict the theory that the range of human sounds has remained fixed throughout human history.
Child Development News — ScienceDaily

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NFL Teams Propose Changes to Replay and Overtime After Season of Criticism

NFL teams proposed major changes to replay and overtime on Saturday after a season of consistent criticism of officiating and which plays can be challenged or automatically reviewed.

Among the proposals teams have made to the league’s competition committee are an increase in the number of plays subject to video replay review and a change to the overtime format.

The idea of more or even unlimited coaches’ challenges is not new, but could have stronger support now. Also, the league is reluctant to expand replays for officiating because it would slow games even further.

The competition committee will present teams’ proposals and some of its own to the 32 owners at the league meetings March 24-27.

Several teams are proposing major moves.

Washington wants any play to be subject to coaches’ challenges or to automatic review by the officiating department in New York. The Redskins also suggested that all personal fouls be subject to review, while Kansas City added potential personal fouls that were not called on the field be looked at.

Philadelphia seeks scoring plays and turnovers negated by a penalty be immediately reviewed, and Denver suggests adding all fourth-down plays that are spotted short of a first down or the goal line, and all extra-point tries.

The Rams, Panthers, Seahawks and Eagles want to include reviews of designated player safety-related fouls whether called or not on the field.

Kansas City proposes that both teams possess the ball at least one time in overtime even if the first team with the ball scores a touchdown.

The Chiefs also want to eliminate overtime for the preseason, and get rid of the overtime coin toss so that the winner of the coin toss to begin the game may choose whether to kick or receive, or which goal to defend in OT.

Fans and many media members have vociferously expressed displeasure with the current system regarding coaches’ challenges since a blown call late in the NFC championship game — officials missed a blatant pass interference penalty and a helmet-first hit by the Rams’ Nickell Robey-Coleman deep in Los Angeles territory. The non-calls helped Los Angeles force overtime and eventually win the game to reach the Super Bowl.

But New York Giants owner John Mara said last month at the NFL combine that the powerful competition committee might not feel the same way.

“I just don’t sense a lot of support to use replay to call penalties. I don’t sense a lot of support for the expansion of it, either,” Mara said. “We’re early on, so that might change, but that’s my sense of where we are right now. I’m not saying it won’t change.”

While the league is wary of expanded replays, the Eagles’ suggestion on scoring plays and turnovers negated by penalty being reviewed could garner support.

Kansas City’s overtime proposals also stem from recent developments, including the Chiefs losing the AFC championship after rallying to tie New England. The Patriots won the coin toss, drove downfield and scored a touchdown without KC ever touching the ball.

The 2017 Super Bowl ended in similar fashion.

Denver recommended an alternative to onside kicks by allowing a team once during the fourth quarter to play offense instead. That team must notify the referee of its intention to forgo a kickoff or safety kick. The ball will be spotted on the kicking team’s 35-yard line and that team will have one down to gain 15 yards, essentially a fourth-and-15 play. If the play succeeds in gaining a first down, that team keeps possession as if it recovered an onside kick.

Sports – TIME

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Heart Health Scare Leads to Plant-Based Diet and Lifestyle Changes

February is Heart Health Awareness Month, a time to remind ourselves that heart conditions can often be prevented when people make healthy choices and manage their health conditions.

Steve Peters, a 57-year-old game designer from Culver City, California, is a perfect example. Last year, he began to find it difficult to do the things he enjoyed, such as riding his bike to the beach. Even climbing stairs became a challenge.

“I was getting out of breath very easily, and just assumed it was because I was overweight and out of shape,” Peters said.

Peters suffered from high blood pressure and type 2 diabetes, but said those conditions were under control with medication and that shortness of breath was not something he had experienced before.

One day, he was walking home from lunch with friends and had to stop 6 times to catch his breath. “My chest was tight; it felt like I was having a heart attack,” he recalled.

Within a week, Peters ended up in the intensive care unit at Kaiser Permanente West Los Angeles Medical Center, where a sonogram of his heart and chest revealed one liter of fluid surrounding his heart. After a procedure to extract the fluid around his heart, Peters said: “I immediately felt 100 percent better, like a Ferrari engine had been put in me.”

After this health scare, his cardiologist, Jennifer Nguyen, MD, worked with him to implement lifestyle changes to further reduce his risk of having a heart attack.

“Based on his risk factors, I told him that he is at increased risk of having a heart attack and needed to make a major lifestyle change,” Dr. Nguyen said.

Since Peters had struggled to lose weight in the past, Dr. Nguyen recommended he adopt a plant-based diet, which he has been adhering to since last June. He already has lost 25 pounds and hopes to lose 25 more.

“My type 2 diabetes is turning around, and my bloodwork is finally in the normal range,” Peters said, adding he hopes to get off some of his medications soon. “I’m not the kind of guy who likes to count calories, but it has been easier than I thought to avoid meat, dairy, and processed sugar.” He noted that he allows himself a few “cheat days” every now and then.

Peters is taking charge of his health, and encourages others to do the same.

“What I learned over the last year is that if something doesn’t feel right, don’t be shy about it,” he said. “Don’t ignore it! Bring up your concerns to your doctor. They can only act on the information you give them.”

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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5 Steps for Budgeting If Your Income Changes From Month to Month

Budgeting is difficult no matter what you make or how predictable your salary is.

But it can be even harder if your income fluctuates month to month based on commission, sales, tips or how many shifts you’re given.

If you’re having trouble budgeting with an irregular paycheck, don’t give up. Here are five steps to budgeting if you have a variable income.

How to Budget With Variable Income

A woman works as a bartender.

As you would with any budget, you’ll need to figure out what comes in and make what’s going out fit your needs. Even with an irregular income, there are only a few tweaks to the system.

1. Average Out Your Yearly and Monthly Income

A lot of jobs — whether in sales or hospitality — pay an hourly rate. If it’s significant, you can use that as your baseline.

Then, go through your bank statements for the past year and calculate what you made in commission and tips every month.

This will be easier if you’ve been in your current position for over a year. If you haven’t, calculate it for the months you can, and ask your co-workers about how and when their income fluctuates.

The goal is to have a realistic prediction of the minimum you should take home each month of the year.

2. Determine Your Monthly Sinking Fund Requirements

Because your expenses likely won’t change month to month like your income, it’s important to save during your high-earning months, so that you can pull from those savings in the sparse months — kind of like an income sinking fund.

Tara Frenck, a bartender at a brewery in St. Petersburg, Florida, has a noticeable high season and low season. Frenck tries to save 20% of her income every week to cover unexpected expenses — and even more than that in the busy season.

It’s taken some years of practice and saving, but at this point, I have not had to go without anything that I need or want, although my wants aren’t much,” she said.

Once you have your annual and monthly numbers, divide your annual projected income by 12 to get your monthly average. Calculate the difference between your monthly average and your expected income for every month.

You’ll get either a positive or negative number. A positive number is the minimum you need to save in that month; a negative is the maximum you can pull from your income sinking fund.

3. List Your Monthly Expenses

Now, go through your bank statements and list all of your expenses, no matter how small. Start with the last three months, then add annual or biannual expenses like insurance and car registration.

List your sinking funds as well. In addition to your income sinking fund, everyone needs an emergency fund for surprise expenses. Other potential saving options include a medical fund, car fund, Christmas gift fund and pet fund.

Most of your monthly expenses will vary month to month, at least by a little bit. You can average them the same way you average your income.

Sometimes, companies will do this for you. Many energy companies offer a free budget billing payment option that automatically averages your usage and gives you a set bill every month.

When you’re listing expenses, be as thorough as possible. Some commonly forgotten budget categories include tolls, technology replacements, professional memberships and fees, home and lawn maintenance, haircuts and ride-sharing costs.

4. Separate and Order Expenses Based on Importance

Once you’ve laid them all out, separate necessary and discretionary expenses. Necessary means essential to surviving now or in the future. Discretionary expenses are any additional expenses that enrich your life but aren’t necessary for survival.

After separating your expenses, it’s time to prioritize. The most important things to survival are food, water, utilities, a roof over your head and the ability to work. So your first priorities should look something like this:

  • Housing (i.e., rent or mortgage).
  • Groceries.
  • Water/utilities.
  • Electricity.
  • Transportation (car payment, bus pass, etc.).
  • Uniforms/work clothes.

Next should be savings — namely, transferring your monthly surplus to a high-yield savings account or pulling your surplus from one. Aim for at least $ 1,000 in an emergency fund. How much you save beyond that figure will depend on where you are financially and your personal preference.

Assign values to each saving category based on your spending toward your sinking fund and minimum debt payments. Try to take advantage of any 401(k) match your employer offers, and make IRA contributions if you’re able. So your savings might look something like this:

  • Emergency fund.
  • Debt payments.
  • Sinking funds.
  • Retirement savings.

That’s typically the extent of necessary expenses. What you bring in monthly needs to at least cover these costs, ideally even during your lowest income months. Then you can prioritize all your discretionary expenses in the order you see fit.

5. Budget for Discretionary Expenses

Once all your priority expenses are listed, you’ll need to add values to your discretionary expenses. Use the zero-based budgeting approach to make sure your priorities are funded, and give realistic values to everything else. Here’s how to do it.

Once all the necessities are paid for, you’ll go down your list of discretionary expenses as you have extra income and fund each category until you’re at zero.

So, let’s say part of your discretionary budget looks like this:

  • Gym membership: $ 33
  • Coffee: $ 20
  • Restaurants: $ 100

If you’ve funded all your categories above that and you have $ 100 left, you can pay for your gym and coffee addictions and you’ll have $ 47 for restaurants that month. If there are any items below restaurants, they’ll have to wait to be funded until next month (or next paycheck).

Budgeting on an irregular income allows you to maintain a quality of life that’s not as dependent on the ebbs and flows of a business. Frenck deposits most of her $ 20 bills and uses the other bills for petty cash. It’s just one way she evens out her cash flow. She also changes up how she spends her free time throughout the year.

I do enjoy the occasional fine-dining experience — say, once a week in the good season, not so much in the slow,” Frenck said. “I also try to plan any trips or vacations in the slow seasons, knowing I wouldn’t be making as much working during that time.

Whatever you’re trying to save for travel or another financial goal, a budget — even an irregular one — will help you get there.

Jen Smith is a staff writer at The Penny Hoarder. She gives money-saving and debt-payoff tips on Instagram at @modernfrugality.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Under the proposed rule, the definition of public charge would include the lawful receipt of assistance from several health, nutrition, and housing programs, which were previously excluded from consideration by U.S. immigration officials when determining whether an individual was likely to become a “public charge.”

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In the best interest of our more than 12 million members and the 65 million people residing in the communities we serve, Kaiser Permanente believes that we must continue to support increased access to high-quality, affordable care, and ensure coverage for more — not fewer — people in this country. The proposed rule jeopardizes access to the care that is delivered by Kaiser Permanente’s more than 22,000 physicians every day.

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