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I am 35 years old, I made $67,665 gross last year (between multiple jobs) and live in Buffalo and work in higher education and retail.

Title: I am 35 years old, I made $67,665 gross last year (between multiple jobs) and live in Buffalo and work in higher education and retail.
This is my 5th MD update. Previous MDs in June 2019, October 2019, February 2020, and July 2020.
Ref29 questions:
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Absolutely. Both of my parents have bachelors degrees, and it wasn’t even a conversation of “if” I was going to college, but “where”. I ended up going to a private 4-year college, with a 75% merit scholarship. I was able to pay for the first semester with savings bonds/general savings, but took out loans for the remaining semesters. I worked 2 on campus jobs (tour guide and TA), plus at a coffee shop - this was more for spending money/gas etc. Looking back, I wish that I had put more of that income aside for paying for school, but I was definitely headlong into the student loan trap of “it’s ok, this is good debt….blah blah.”
I thought that i had the exact idea of what I wanted to do for a career - and that basically required a masters degree - so I went straight to grad school after undergrad. Private - and took out the maximum student loans for both years. I cannot stress what a terrible financial idea this was. The last half of my MA was in DC, so I used the loans for rent/food, as I had a full time unpaid internship. Long story short, what I thought was my career goal wasn’t.
I am FINALLY nearly done paying off my loans. If I had to go back and give my past self advice, it would have been to not go to grad school directly after undergrad. I still might have gotten my masters, but I would have done it in a much more financially responsible way.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
We had conversations growing up - but it was much more of a conversation now that I’m an adult. I’ve noted in past MDs, but my parents have told us that they regret not being able to help us all more as teenagers/college/young adults, so they’ve been extremely supportive of my focus on debt repayment.
Did you worry about money growing up?
Not really. I remember being conscious about it - we didn’t have new cars (EVER - like it’s still a thing), and we used coupons/budgets/bulk freezer meals for shopping, but I think a portion of that was that there were 4 of us kids. We were all involved in a variety of extracurricular activities as well, but I don’t remember even being like, limited or restricted from doing anything.
Do you worry about money now?
Absolutely.
While I am noting that I’m making progress, it is still very overwhelming. It’s really hard for me not to beat myself up when I either buy “treats” or things that aren’t really treats, but are just home comforts. I finally bought myself 2 sets (!) of decent sheets this past month after having 1 set of crappy sheets for the last 2 years lol. I still have so much work to do, on debt repayment, fully funding my emergency fund, and (massive goal here) saving for a down payment on a house.
At what age did you become financially responsible for yourself and do you have a financial safety net?
I would say I was financially responsible for myself when I moved for grad school in the fall of 2008 (so when I was 22/23).
That being said, I definitely have had a financial safety net - my parents always assisted with grocery money if I needed it - when I was married, that definitely was not only a safety net, but also got me in a lot of bad habits.
Since my divorce, my parents have assisted with cell phone, car insurance, and letting me live with them for a few months when I moved back to the US. I know that if something happened, they would absolutely assist with a place to live if I needed it.
Do you or have you ever received passive or inherited income? If yes, please explain.
As previous MDs have noted, my parents have assisted with assorted checks when my dad got a bonus, and they have always been extremely generous with holiday $.
Section One: Assets and Debt
Retirement Balance (and how you got there): $33,194.67 (up from $23,800 in February 2020)
This is a combo of Stash Retire ($1721.52), 401K from a previous job ($17,330.01), retirement accounts from my current job ($2807.58 in my optional IRA to which I contribute extra; $2947.46 in the basic retirement plan, to which my employer contributes 7%), and TSP from a previous job ($8,388.10).
Savings account balance: $1000
Checking account balance: $1381.07 (at the start of the money diary)
Credit card debt (and how you accumulated it): $7,558.08 (focus has been more on student loans, plus I am a bit guilty of using it at random points) (down from $19,556 in June 2019).
Student loan debt (for what degree): Current remaining balance is $972.57!!!!! This is down from $23,645.37 in June 2019) (combined loans for undergraduate and graduate degrees in International Relations. To give you an idea of how much I’ve paid off - I’ve paid $118,297.81 off up to this point).
*note: December was a PHENOMENAL debt payment month for me (just over $4k).
Section Two: Income
Main Job Monthly Take Home: $2847.53
*after using the IRS refund calculator, it became clear that I was expecting a much higher refund, so I stopped having extra withheld. Eventually I’ll get the hang of it.
Side Gig Monthly Take Home: $1442.72 (average monthly take home August-December 2020)
My retail job fully reopened, and I also applied for, and got a promotion, which meant both an hourly raise and more hours)
Any Other Monthly Income Here:
Section Three: Expenses
Rent / Mortgage $980.00/month (+ $3.95 service charge when I pay online) (no change)
Retirement contribution: $115.58/month Roth IRA from work + $80.00/month into Stash Retire (no change)
Savings contribution: $0/month (Debt payments are the priority)
Investment contribution: None
Health/Dental/Vision Insurance: $76.38/month (Through work, it gets taken out biweekly)
FSA contribution: $27.78 biweekly (I set my annual contribution at $750 this year, up from $600)
Debt payments
Student Loan minimums: $55.54 is strictly the minimum for my FINAL (!!!) student loan, but as you all know by now, I have been attacking these with a vengeance and plan on this being gone no later than March.
Credit Card minimums: Avg. Monthly Payment $300. (as mentioned in the debt section, I have slipped slightly on allowing myself to use the credit card, but still have been able to lower my overall amount)
Wifi/Cable/Landline: $64.99/month
Cellphone: Still on the parental plan, but will be transitioning off. I’m shopping around and have started to budget.
Subscriptions: Apple storage - $2.99/month; Netflix- $8.99; (even though I’ve been able to be at home much much more, we still get a monthly barkbox for the toys; Spotify Premium - $9.99/month. Headspace - $14.99/month. Renaissance Periodization - $16.19/month
Laundry (if you pay per load): $40/month. I put aside $10 per paycheck.
Gym membership $75/month - I budget this much for my ROMWOD and Movement Vault monthly subscriptions. This also covers my monthly subscription for my WHOOP band. My retail side gig also provides $225/month to work out. This covers my monthly membership to my crossfit gym, as well as extra megaformer classes. $32.63/month for WHOOP; $13.95/month for ROMWOD; $9.99/month for Movement vault
Pet expenses: $150/month - includes pet insurance. This is what I put into my budget for insurance, food, grooming etc.) Barkbox 31.54/month; Pet insurance $79.24
Car payment / insurance / average gas:$100/month (as my dad plans on retiring within the next year, he will be signing over my car to me, meaning that I will be taking on my insurance. I fully acknowledge that this has been nice to not have to worry about, and that my parents have been absolutely amazing. The current annual insurance for my car looks like it will be around $450. Future money diaries will take this into account.
Renter insurance: $12.50/month
Average groceries / household supply spend; Looking at YNAB, my average spend has been just over $700/month. This seems insanely high for one person, but I do also follow a RP meal plan, meaning that I tend to eat A LOT to fuel my workouts. I also haven’t gone out basically at all ….
Regular therapy: N/A
Charitable Giving: $75/avg. August-Dec 2020 (Much of this was “rage” donating in the run up to the election)
Annual Expenses:
YNAB (You Need A Budget): $83.99/year
NB: Anytime I leave my house, I am masked, including gym visits. It’s honestly not terrible once you find a mask that works for you!
Day 1: Friday
5:45am: Alarm goes off and I get up to put the kettle on to start coffee. Today is a weigh in and weekly review for my meal/training plan, so I enter my numbers and see what my upcoming week will look like as far as my macros. I notice that my chest/shoulder are sore, and hurt when I take a deep breath, but assume that I just slept on my arm wrong. I take out the dog, feed him, and head out to my weightlifting class.
7:30am: Nope, not just sleeping on it wrong. I make it through the lifting portion, but when we start the metcon, I have to stop because it hurts too much to take a really deep breath, instead stretching and cheering everyone else on. Annoyed, but hopefully it’s nothing too crazy. I think it’s just a strain from my muscle up drills the day before. Once I get home, I make breakfast - a savory oatmeal with oats, cheese, chicken sausage, egg whites, and mushrooms, topped with a fried egg and za’atar seasoning from Trader Joe’s. YUM. I log into work and get settled in for a 2 hour (ugh) staff meeting.
11:00am: Finally done with that. Thank goodness for my camera getting to be off. I take a shower and get into “work” clothes - aka lululemon from top to bottom (align leggings, ebb to street crop tank, and a sit in lotus wrap). Back to work until it’s time for lunch, which I have just after noon (rice, sweet potatoes, bell peppers, and ground beef, topped with avocado). Work continues afterwards.
2:00pm: Time for work #2! It’s a fairly uneventful (and slow) afternoon/evening, which is ok after the craziness of the holiday season. And I only have to tell 2 people to put their masks on over their nose and they don’t give me an attitude - woohoo! Around 5 I eat my food on my 10 minute break - another taco-ish bowl, just without the avocado from earlier. I get out from work at 7:30pm.
8:00pm: Home, take the pooch out and feed him and make my casein hot chocolate (casein protein is a slower digesting type vs. whey and it’s my evening “meal” most of the time) plus a couple dark chocolate peanut butter cups. I facetime my Mom briefly and then we each put on our respective Star Wars shows - she and my Dad are watching the Mandolorian (they just got Disney+), and I’m deep into season 4 of the Clone Wars. Bedtime routine starts at 9:30 with a couple of melatonin gummies and I brush my teeth and wash my face (eye makeup remover, then Neutrogena foaming cleanser, and a nighttime moisturizer from Aldi). Snuggle up with the dog and a heating pad with a Headspace night sounds playing.
Daily Total: $0
Day 2: Saturday
5:50am: NO. It’s like 30 minutes before I want to wake up...NO.
6:10am: Uggggggh
6:20am: FINE. Dog outside, then fed. I make coffee and another savory oatmeal (AMAZING - same as yesterday, just no bell peppers). Catch up on podcasts and my YNAB budget. In happiest news, I can take a full big breath without that weird pain from yesterday! Yay!
10:00am: Home from my workout, which went amazingly - I love a good long chipper of a workout! I take the dog out for a little cold weather walk and then make my post-workout meal - Kodiak chocolate chip pancakes with blueberries! (use 1 egg and almond milk to make the pancakes and it fits my post-workout macros: 35P, 10F, 65C). I follow this with a cuddle session with the dog while watching Marple episodes and drinking coffee. I also add items to my lululemon shopping cart and exit out of it before I can spend money. While I get a great discount (especially on markdowns), I know I don’t really NEED anything, so I don’t get anything.
1:00pm: Off to the mall for work. I stop on the way to fill the gas tank ($25). It’s a busy day, but a good one - during my break I eat my taco bowl (rice, sweet potatoes, ground beef, peppers and avocado). I work until 7:30pm.
8:00pm: Home, dog out, casein hot chocolate - the usual. I’m nothing if not a creature of habit. I pull out a Trader Joe’s chocolate croissant to prove overnight in the oven. Bedtime is around 10pm.
Daily Total: $25
Day 3: Sunday
7:50am: Whoooops, I intended to wake up around 7:15, but I didn’t actually set the alarm. Luckily the dog wakes me up with a polite whine - I take him out, make coffee and a bowl of oatmeal (oats, almond milk, egg whites, topped with blueberries), and head to my workout around 9.
11:00am: 2 workout classes later, I’m home - post workout meal is the aforementioned chocolate croissant, and a little egg scramble of egg whites, mushrooms, chicken sausage and broccoli. The afternoon is spent with old Miss Marple episodes on Amazon Prime, combined with laundry and apartment cleaning.
3:00pm: I made a quick loaf of bread (2 hrs of rising, then shaping) and put it in the oven. Happily it turns out pretty damn tasty - I make Trader Joe’s Cippino (seafood soup) and have that with toasted fresh bread around 4/4:30pm. A Clone Wars marathon ensues - the Bills are playing in the AFC championship tonight, so the city is basically a giant ball of nerves. I don’t watch the games (and haven’t all season - mostly because I don’t have all the apps/cable), but I follow the score on my phone while watching many (MANY) episodes of Clone Wars. I facetime my mom and dad around 7 after they finish the Mandolorian and we can all squeal with excitement.
9:00pm: Melatonin gummies, contacts out, teeth brushed, face washed, bedtime.
Daily Total: $0
Day 4: Monday
5:45am: Awake, coffee, take the dog out, head to crossfit.
7:30am: Home, dog out again, then breakfast (homemade toast, everything but the bagel smoked salmon, scrambled egg+egg whites) and more coffee. I login to work at 8am, and get the morning podcasts going (Up First, the Daily, Post Reports, the Intelligence).
10:00am: I place a Target pickup order for the snacks for our break area at the mall (seltzer, peanut butter crackers, cookies, granola bars - all single serving packs). I will be reimbursed for this by the store. ($39.57 - I get a notice that an item isn’t available after I place the order...oh well)
11:00am: I’m traveling out of state for a couple of days - it’s a long awaited tattoo coverup (don’t get a tattoo for a significant other….I knew not to do this...and yet I still did), so I make my list of items to pack and things to remember to do (take out trash, do all my dishes, etc). I will be driving to my destination (Indiana), staying at a hotel by myself, going to the tattoo shop (masked), and back to the hotel. Not telling friends I’m there, not going out anywhere. And I’ve scheduled a test for 4 days after my return, per NYS rules. If I could make the drive nonstop, I would, but your girl isn’t giving herself a UTI lol. I’ll be masked and sanitized anytime I step out of my vehicle. Still super nervous, but getting this tattoo covered up is like….the final FINAL step. I also take a shower (finally, yes I’m gross and have been sitting in my workout clothes since I got home - god help me if I ever live with a human again lol).
2:00pm: Time for head out for work! On the way, I pick up my previously mentioned Target order, and also pick up meals for my trip from a local meal prep place - I get a bunch of great stuff (2 breakfasts, 2 dinners, 1 lunch plus energy bites for the car), plus it means that I can just hermit it up in the hotel room apart from the actual tattoo appointment. ($62.68). I get to the mall early before my shift starts - since I know I’ll have a tub in the hotel room, and I don’t have one in my apartment, I get a couple of bath bombs and lotion from Lush ($25.93) and a whole bunch of sheet masks from Sephora ($25.01). Then time for work - It’s a fairly quick shift, which is nice, not too terribly busy and we get a lot done. And people at the mall are generally not pills today - epic win!
8:15pm: Home from work - take the dog out and have a little evening meal of homemade soup from my co-worker (it’s a kale sausage soup her husband makes and it is AMAZING) and the rest of my homemade bread. I finish packing up and the poor pup definitely knows something is up. Bedtime around 10pm.
Daily Total: $153.19
Day 5: Tuesday
5:45am: Alarm, dog, coffee. Rather than dirtying dishes, I heat up one of the prepped breakfasts I brought (a breakfast sandwich with chicken, which is actually quite tasty - plus some blueberries). I get the car loaded up with my stuff and the dog - he’s staying with my parents while I’m gone - and head out by 7:15am. After I drop him off I top off my gas tank ($14.10), and also get a couple of bubly waters and a can of death wish coffee for the road ($6.25).
12:00pm: Lunch stop at panera - fuji apple chicken salad and a cup of chicken noodle soup - drive thru and eaten in the car ($10.94, but I have a gift card). Road Trip Podcasts: You’re Wrong About and Noble Blood.
3:00pm: Gas stop (there’s also a few bathroom stops, but since I didn’t spend anything, it’s not terribly relevant, right? :) ) ($27.01).
5:30pm: Arrival! Check in to the hotel - masked front desk employee, check. Bring my stuff up to my room, and jackpot - biiiiiiiiig tub. Looks like those bath bombs were a solid choice! Open up the work laptop to see if there is anything urgent - nothing crazy - and decide which meal I want for dinner. Bourbon Chicken with Broccoli and Sweet Potatoes it is. Plus a Sparkling Apple Cider vinegar beverage (ginger and lemon) from Trader Joes. Before I eat, I do a lower body focused stretching routine from ROMWOD since I spent so long in the car.
7:30pm: Bath Bomb, Face Mask, Feet Mask, and finished Night Stalker on Netflix. Since I’ll be quarantining until I get a negative COVID test after my trip, I order 10 meals through the same meal prep company that I got my travel meals from ($88.43 - includes both delivery fee and tip). They will be delivered on Sunday.
Daily Total: $146.73
Day 6: Wednesday
6:00am - I had intended to sleep longer, but my body is like - nope, you’re waking up at the same time no matter what. Coffee (keurig in the hotel room - ick) plus a prepped breakfast (a goat cheese egg white scramble with sweet potatoes - which is delicious). Morning podcasts and I open up the work laptop. Since I’m awake I guess.
7:30am: Hotel room workout - I do yesterday’s workout from my gym, with a few modifications, but it still feels great to move after sitting in the car for so long! Shower afterwards, then food (Mexican Taco Bowl!) and work.
10:30am: Squuuuueeee it’s time for my tattoo. I double mask up, drive through for a Starbucks order ($4.74 - paid for on my Starbucks app with previously loaded funds) and head to the shop! I already paid my deposit and took advantage of a gift card sale before Christmas so I don’t owe anything additional today. We do linework, shading, and partial color. It’s going to take 2 appointments to do the full thing, so we make my next appointment for May (augh, I cannot wait!). My coverup is over black text, so a cover up involves a LOT of layering of color. I’m impressed that I still have stamina after not getting a tattoo for nearly 3 years.This is going to be BEAUTIFUL.
2:30pm: After my tattoo appointment, I make a quick stop at CVS (still double masked!) to pick up aquaphor, orange dial soap, ibuprofen, and toothpaste (cause naturally that’s the one thing I forgot to pack - d’oh) ($22.00). I make a curbside pickup order for Panera - another soup and salad combo ($10.55 - again paid for with gift cards!). I head back to my hotel room, eat, put on more podcasts (Planet Money, Can He Do That, Code Switch) and log onto work. An uneventful afternoon follows.
6:00pm: Facetime call with my mom, then dinner and various true crime documentaries on Netflix and Pinterest browsing because as per usual, now I want allll the tattoos. I also put in an order for a grocery pickup on my way home (coffee, coffee creamer, fruit, etc) ($66.82). I try to make a testing appointment through NYS for my return COVID test on Monday, but the automated system keeps putting me in the first available, which is Friday….I’ll try to schedule again on Friday so that the timing works. Bedtime tattoo routine of wash, aquaphor and ibuprofen, as well as a sheet face mask. Sleep around 10:00pm.
Daily Total: $104.11
Day 7: Thursday
6:00am: Welp, up and at em! I finish packing all my stuff, check out of the hotel and warm up the car. I head out around 7:00am. Top off the gas tank ($12.80) and I also add $15 to my Starbucks card and drive thru a Starbucks (Spinach Feta Wrap + Cafe Misto with almond milk). Then it’s time for podcasts and lots of driving. My mom had suggested a podcast from Serial - S*%*Town. IT’S AMAZING and this drive has never gone so fast!
11:00am: (or sometime around this time) Stop for gas ($27.01) and another Starbucks stop ($15 reload) to get another misto, a bottle of water, and a fruit/cheese/hard boiled egg box.
3:00pm: I was going to try to make it all the way without stopping for anything else, but my stomach is about to eat itself. I stop at a Tim Hortons about 45 minutes away from my parents’ house and get timbits and a hot chocolate (which is gross) ($6.66 - eeep). I get to my parents’ house - my mom and dad stay upstairs and in the basement respectively while I use the bathroom and retrieve a very happy pup. Once I get everything out to the car, my mom and dad come outside (double masked, as am I) and we quickly wave and air hug from a distance. On the way home, I drive through the grocery pickup and get my groceries.
5:30pm: Finally home. The dog is very happy to be home too - my mom said when she would come into the bedroom where he was, he would look at her and be - “oh…..just you…”. Such a momma’s boy :) Dinner is actual food (the rest of the kale sausage soup). I also put together a batch of cranberry almond biscotti (based off the Ina Garten cherry pistachio biscotti) - the apartment smells delicious. Settling in for post-travel isolation lol.
9:30pm: Melatonin gummies, tattoo upkeep, and then bedtime with the dog!
Daily Total: $76.47
Weekly Total: $505.50
Food & Drink: $326.64
Fun & Entertainment: $0
Home & Health: $22.00
Clothes & Beauty: $50.94
Transport: $105.92
Reflections:
First, GODDAMN I AM SO EXCITED TO PAY OFF THIS STUDENT LOAN. Just paid another $200 on it this morning, so we’re under $800!! If you hear an excited scream from the Western New York area next month, don’t worry, it’s just me.
Second, this was a higher spend week than usual, but I’m really proud to have budgeted for all of it. I had basically prepaid for the tattoo (on the gift card) and there’s still leftover for my next appointment. I had also budgeted and saved for the increased amount of gas and food.
Third, hopefully this isn’t too boring. My life pre-pandemic wasn’t terribly interesting, and it certainly isn’t now lol. I’m hoping to continue my debt payoff progress by finishing paying off my credit card debt in 2021, and start saving my 3-6 month emergency fund before starting that house down payment savings! I’m even starting to allow myself to start actually looking at Zillow.
I have been isolating since I got back - just drove through and got my COVID test, so fingers crossed for a quick reply!
Lastly, the coverup tattoo is going to be beautiful. I can’t wait for it to be finished!
Thanks for reading this whole thing!
submitted by PibbleLove43 to MoneyDiariesACTIVE [link] [comments]

[Let's build] A Book of Origami designs with special effects

Note: LIST FINISHED HERE! Thanks!
Hi Gang,
I'm building a book of origami and enchanted paper that allows my players to make a number of origami items with special effects. GM could roll to see what origami designs are included in the book, or alternatively, the paper are keyed to designs and the GM rolls to see which papers are available to their players. I would be really impressed if we can get to 100 but would be happy with anything you good folk can come up with!
Dice Roll Result
1 Butterfly: A swarm of butterflies flutter from your hand before swirling lackadaisically around you, and you can direct the swarm to move 20 feet per round for a minute. In combat opponents 10 feet in the vicinity of the butterfly swarm must make a wisdom saving roll (16) or are fascinated for 1d4 turns (2d4 for fey creatures, including gnomes).
2 Frog: Upon activation the frog leaps onto the ground and grows exponentially in size large enough to carry the party on its head. For the next 2.5 hours, the frog will transport the party across any body of fresh water before crumpling into wet mush. Before that time, though, it is surprisingly water resilient and tough.
3 Scorpion: Upon activation, the user sprouts a scorpion tail, that could deal 1d10 damage and imparts the poison effects of fire ink (sickened, however creatures with fire resistance are immune).
4 D6 Dice: The origami structure flattens conveniently allowing the adventurer to tuck it on their person. To activate the die, they bring it to their mouth and exhale into a opening on one edge of created by the folds, which can be done in a free action.The player gets to roll a d6 and add the total to any of their attack roll or skill checks.
5 D4 Dice: Same as above, but this pointy die allows the player to add 1d4 damage to a successful hit.
6 Crane: A red-crowned crane has a calming effect and emanates a certain regality when it sits upon the palm of the owner. Upon activation time slows for the user and it dawns on them that they might make a limited wish (as per limited wish spell with 80 percent chance of success). The holder is also keenly aware that it can banish the incorporeal undead, and might be compelled to do so. If the limited wish spell fails, they holder still gets a +4 morale bonus on saves and attack rolls for the next 4 turns.
7 Fangs: A relatively simple design looks comically like a pair of lips with two triangular teeth peeking from the upper portion. The user slaps the fangs over their own mouth and for the next two rounds they double their speed, gain the effects of blur and heal themselves 1/10th of any damage they deal, with a minimum of 1 hp.
8 Mask/helm: when placed on someone’s head, they become blinded, deaf and mute until they can destroy the paper.
9 Kite shield: if you have it at the ready (tucked in a glove or sleeve perhaps) you can toss it as a reaction to block one attack you can see
10 Sphinx: Once placed on a path or doorway grows to life-size and refuses to allow anyone to pass unless an appropriate answer to a riddle is supplied. Will defend itself but will not attack first. Refer to bestiary for stats. Cannot be activated during combat.
11 Parakeet: Despite being brightly green once activated the parakeet attempt to be inconspicuous. The user can teach it a short message which it will repeat at a trigger determined by the user. In all respects it behaves as the spell Magic Mouth except its duration is 2 hours.
12 Blue Bird: The user can speak a message of up to 140 characters. Upon completion of the message, the blue bird multiplies into a flock and scatters delivering the message to every sentient creature in 10 mile radius. If it is in a settlement, can be adjusted to convey a message only within the limits of the settlement.
13 Violin: The violin floats and adjust its size according to the desire of the user. In most respects it behaves like the Exquisite Accompaniment spell (granting a bard the same benefits), floating beside the user and responding to their intentions. In addition, any players of any class gain +4 on skill checks related to performances like oratory (soliloquies, speeches), dance or singing.
14 Saxophone: The golden curvy instrument invites you to blow it. Once you do, a cascade of notes, physically manifested spills from its body, much like the Solid Note spell but en masse. The notes appear to be musical notation in tangible form but generally conforms in quality to the intention of the user. The notes can be placed anywhere, even in mid-air and it will remain in place resisting any force against it. However, it will fail and disappear at a successful strength check of 10 + 2 x Charisma Modifier of the user.
15 Pigeon: can be taught a message, no matter how long, and a person. The pigeon will then find a way to deliver that message, no matter where the receiver is, and is very hard to catch.
16 Head: after the folding is finished, the head instantly collapses and disappears. The user will then hear good advice for the next 2 hours.
17 Sword: after the folding is finished, the sword becomes harder, and gives out a metallic shine. Can cut through organic matter easily, but will break if hit with another metallic weapon, or destructive damage. Has 3d6 + 5 base damage.
18 Book: the folder can decide on a topic they want to learn more of. The book will contain 100 pages of relevant information about that, even if nobody knows. Cannot tell the future.
19 Drop: after folding, the paper becomes soggy and kneaded. It can be thrown to create a portal that will quickly dispense water, enough to fill an ordinary living room. May or may not contain some fishes.
20 Lamp: can be rubbed to release the Paper Genie, that can make 3 minor wishes come true. After using those wishes, both the Genie and the lamp disappear. The Genie can only come out once a week. [Examples: a wish can create up to 50gp, reasonably good non-magical weapons, cure minor diseases or create a wand that can cast a level 3 or lower spell. A wish cannot create stronger magic, teach the users new magics, affect an unwilling person directly, or anything that could quickly change the course of history.]
21 Bar: can be activated to become a solid gold bar, worth a grand total of 200gp. Without using magic means, it is indistinguishable from normal gold, except from the fact that it disappears after 2 hours.
22 House: grows to become a comfy house, suitable for the environment it is located. The house lasts a week, before disappearing, and safely teleporting everything in it to the ground.
23 Cup: can dispense infinite beer. Lasts 1 hour.
24 Bowl: can be heated to create a nutritious, but papery meal that recovers all your HP and one third of your spells. Can be used 10 times before disappearing.
25 Bomb: has a small hole, in which the user must place an activation mechanism. That mechanism can be a code whispered onto the hole, a rope, some magic, etc. Will blow up violently, spreading sharp paper pieces everywhere. Can be enchanted with different elemental magic, to have different effects.
26 Impossible Cube: this very hard origami takes 3d6 minus your Intelligence modifier hours to make, as it defies the laws of geometry. When it's completed, though, it quickly grows, multiplying it's impossible edges everywhere, and corrupting all it touches. Will eventually stop, after devastating a big area. After the expansion, the paper collapses, leaving a bunch of distorted and impossible insanity-destroying shapes behind. The corruption can only be undone by a Wish.
27 Dragon Egg: A multifaceted oval resembling a fabergé egg. The egg hatches. Rolling a d6 determines the result, 6 produces a black dragon hatchling; 5, red dragon; 4, green; 3, blue; 2, white; and 1 a duck. After that, it will help the party. Has the stats and personality of the respective creature. If it manages to survive long enough, can grow and become an adult.
28 Chameleon: whichever character folds the Chameleon is affected by the Invisibility spell.
29. Fortune Teller - Despite its name, this oragami fold does not tell your fortune. Instead it tells you a random thought that the target has had within the last few minutes. The thought appears in writing under the flap that is lifted. One can increase the chance of getting a thought pertaining to a specific subject if they ask the target about it first.
30 Owl: The folder is granted darkvision out to 120 ft until the next sunrise, upon which the owl disintegrates.
31 Boat: Upon creation, the boat expands into a rowboat that seats four. The boat can be used for the next three hours, as after that it becomes soggy and unusable.
32 Ladybug: Due to its lucky nature, the ladybug’s folder is granted one reroll a day for the 1d4 days.
33 T-Rex: The origami figure is relatively simple, perhaps a first draft of what might have been a fiercer creature. Once activated it expands to 6 feet in height. Its claws are too close to his body to be of any use, but its look particularly savage. It fights as an ally in battle and will allow any friendly PC to mount it as a rider relatively easily.
34 Brachiosaurus: This long necked dinosaur sprouts to any size up to 30 feet. Once it reaches that length it is prone to chew on any available foliage to exhaustion. Its narrow neck and its tough surface affords an easy grip to even the clumsiest adventurer, allowing them to climb up with more ease than the typical wall and a providing a chance to catch themselves if they were to slip.
35 Pyramid: Set it down and a pyramid with a 60-foot‐square base bursts upward. Inside is a sarcophagus containing a mummy lord. The pyramid is treated as the mummy lord's lair, and its sarcophagus contains treasure of the GM's choice. Once the treasure is removed the pyramid turns into a blank sheet of papyrus.
36 Black Cat: After folding the black cat it will shake and jump out of your hand and turn into a black cat only visible to you. Through out the day the cat will follow you and inflict bad luck upon those who wish you harm or simply dislike you. It does this by knocking things off onto the person, tripping them, scratching a hole in their bags, ect. Cat disappears after 13 days unless one does a familiar ritual upon it to make it your new permanent familiar. If you do it is now a visible normal black cat that has the power to turn one enemy roll into a natural 1 once a day.
37 Star: It glows bright light in a 60 ft radius but does not blind your allies even if they have light sensitivity. Can be thrown as a ranged attack and on a hit it explodes and does 4d12 radiant damage in a 5ft radius.
38 Tree: Placing the tree down will grow any type of tree that is desired by the user.
39 Plane: The paper plane grows large enough to sit 6 medium sized people within it. Once inside the person who folded the plane may speak the name of a plane and the plane will fly to the desired plane.
40 Lotus: After folding the lotus one can eat it to remove any debuff or curse or one can set it upon the water where it will grow large enough so the one who set it down can sit inside. When one sits within the lotus shall close and the person shall be resurrected as a Protector Aasimar and the lotus will sink into the water.
41 Turtle: The folder has their lifespan increased by 150 years.
42 Key: Can unlock any door with a keyhole using this key. Can be used 1d4 times before ripping on the lock.
43 Heart: The folder has their constitution increased by 1 if they eat it or they can give it to someone they love to give a life ward to said person that stays active till used.
44 Red Dragon: The red dragon grows into the size of the hand, whipping its head and tail, snapping and nibbling at the folder's fingers. Thankfully, the attacks does no damage. The Red Dragon then leaps and searches the room, drawn to any treasure, regardless of how well hidden. The Red Dragon deftly avoids any effects of traps protecting the treasure, effectively neutralizing it. Once it accesses the treasure, it combusts and is reduced to tiny handful of ashes. If there's no treasure of note in the room, it sits on the shoulder of the folder for 10 hours until it detects treasure outside the bodies of the folder and their allies.
45 Green Dragon: Green Dragon grows into the size of hand of the folder and regally steps off the hand in front of any book presented to it. The folder can ask three questions to the dragon. The book opens as if under the effects of thaumaturgy, pages quickly flipping in succession. The process takes 10 seconds per 100 pages, upon completion the dragon collapses into 1-3 sheafs of paper with a precis summarizing the content of the book and the answers and citations to the questions if they exist in the book.
46 Blue Dragon: The Blue Dragon grows into the size of the hand of the holder and immediately takes flight. It zeros in on any illusion and jealously blasts it with a tiny cone of blue light. Any minor illusion is banished. Major illusions fail or flicker momentarily, revealing whatever is occluded before it is restored.
47 Dragonfly: The dragonfly expands to a size of a melon. It hovers in the air appearing daintily. But when the folder gestures at an object it finds a way to grip it delicately with its legs and lifts it in the air. The dragonfly will deliver the object (up to 25 lb) to any location that the folder is familiar with up to 7 miles. Upon delivery, the dragonfly reverts to a non-magical origami shape
48 Box: When the box is folded a (cr appropriate) monstrosity, undead, aberation, ooze, and fiend jump out and attack the folder and their allies. Once the enemies are defeated the box explodes and a Planetar appears. In thanks for releasing the Planetar it will offer a butterfly pendant that can be used to summon the Planetar once to aid the heroes in time of need. It then flies off to do good for it's god.
49 Crown: When the crown is worn once can take an action point to a location and a palace will begin to form that will belong to the one wearing the crown. The crown then becomes a true crown but without power.
50 Calla lily- This slender origami structure is surprisingly realistic, absent of sharp folds and favoring gentle slopes instead. When visibly worn on the body of the folder, the person gains an aura of innocence. Lawful pursuers ignore the wearer, leaving the area if there are no other persons it recognizes. If interrogated, the wearer’s words appear truthful, even under the effects of a magical compulsion such as zone of truth, but only if a deception would incriminate the wearer. Other deceptions might be recognized by a perceptive interrogator. While the enchantment is powerful, it ends after 5 minutes and the calla lily conspicuously wilts.
51 Origami mustache: has the unique ability to appear like a normal mustache to everyone including the wearer.
52 Praying Mantis: The Praying Mantis looks particularly pious with its front legs raised before it thorax. Once it is activated, every party member that is associated with a deity finds their connection to their divinity to be much clearer and more focused. Divine casters gain a +2 on rolls associated with divinity and on tasks related to their deity. May also work with certain non-clerical faiths associated with nature. Effects last 24 hours.
53 Eagle: This simple design folds flatly, somewhat less flashy then other examples, but when the folder crushes it in her hand, her vision feels sharper and sensitive. The range of her sight is doubled effectively gaining low light vision. In addition, ranged attacks using bows and crossbows gain +2 on attack rolls. Effects last 4 hours.
54 Rabbit: After crushing the figure in the their fist, the folder gains the effects of the Haste spell, increasing their speed by 30 feet, gaining a +1 bonus on attack rolls a +1 dodge bonus to AC and a +1 to dex or reflex saves. Effects last 5 minutes.
55 Polar Bear: The origami figure is a head of a polar bear and when placed over the face of the folder, they change into a polar bear. The effects corresponds to the spell Polymorph, except the effects last 15 minutes.
56 Mouse: When the folder places the mouse on the floor in a room, this cute origami mouse scurries to the nearest wall and makes a circuit around the perimeter. If you watch it closely, the mouse pauses at any secret mechanism, whether a secret door, hidden safes or traps. The folder knows what the mechanism is, and will have advantage on skill checks involving interacting with it. Or they might convey that information to another person who adds +5 to skill checks
57 Snowflake: When the folder lets this origami figure falls to the floor, the immediate area begins to snow. The folder can increase the intensity and range of the snowfall (for up to 3 miles) for 3 hours, and causing it to cease at any time.
58 Corgi: The origami grows in size to a regular Welsh Corgi. It scampers around nimbly. In combat encounters with Giants, the party gets a +4 Dodge bonus to AC as it distractingly harasses the opponent avoiding all damages itself. Outside combat, it is strangely attuned to stonework, especially of of Dwarven handiwork. It will help the folder make perception checks on stonework by pointing out inconsistencies or special features, either actively or passively (+2/+4 for stonework of the Dwarven variety). Does not stack with bonuses granted by Dwarven racial features, such as stonecunning. The corgi will remain as companion for 9 hours before shrinking back to size. Can be reused 2 more times.
59 Basset Hound: The origami figure grows in size to a regular basset hound, with droopy ears flapping as it moves. The basset hound moves sluggishly, but assists in survival or investigation checks (gaining +2) though it might cause delays. Once its task is complete, the basset hound flops on its belly and shrinks back in size. Can be reused 2 more times.
60 Pointer dog: The origami figure grows in size to a regular pointer dog. The folder states a creature and the pointer will point its nose in the direction of the closest creature of that type in the vicinity. If the folder knows that a particular creature or person has been in the area that the pointer dog is activated, it can point in the direction of where that specific creature is currently located.
61 Bulldog: The origami figure grows in size to a regular bulldog. The dog lazily plops to the floor and proceeds to nap. The dog improves the reception of the party. Other intelligent creatures must make a will/wisdom save of 18. If they fail, the attitude of the creature towards the party improves by one level—hostile creatures become indifferent, indifferent creatures become friendly. Usable once.
62 Seahorse: Deploying the seahorse origami figure causes the folder to sprout a disturbing exoskeleton over their armor and clothes, segmented to provide incredible ease of movement. The folder gains a natural armor bonus of +4 to their AC. In addition, in combat if a folder does not take a move action on their turn, they gain concealment, the exoskeleton camouflaging with its immediate environment, making attacks on the folder take a 20% chance of missing. The effects only last one encounter, with the armor sloughing off abruptly but strangely the portion covering the head remains in place, creating a unique helmet item, possibly fusing with any headgear the folder is wearing prior.
63 Whale: This relatively simple origami design belies a powerful enchantment. If activated in an open space or open water, the whale grows in size to gargantuan proportions. The whale holds its mouth open for a minute. In that time a willing person or persons can enter the yawning wet cavern and disappear into a pocket dimension. The whale then crumples back into a ball. In that dimension the person finds a yacht beached in side a cavern that could be the inside of some creature and can serve as a surprisingly comfortable domicile, with a magically stocked mini-fridge. The person can retire at this pocket dimension for as long as they please, but when they hope to exit, they are deposited in a location of the DM's choosing and not necessarily where they hoped. Perfect for the adventurer needing to take a break to work on their novel (or when a DM needs to account for a player dropping out of the game for a period of time).
64 Walrus: The Walrus grows in size, gaining anthropomorphic features and clothing, including monoculars, a top hat, a vest and a bushy mustache. Once it's grown to full size, three Eggmen, named Athos, Porthos, and Aramis, materialize and immediately attack the party. While their bodies and heads are bizarrely a single giant egg, they are dressed, and armed, dashingly like bravos, brandishing masterwork rapiers and flintlocks. They shout insults like "Your hair wants cutting." or "You know very well you’re not real." They attack anyone between themselves and the Walrus, something the Walrus takes advantage of by putting himself between the party and the eggmen without quite escaping or defending himself—though he does have naturally thick hide. If the adventurers manage to defeat the dextrous Eggmen, they spill coin and gems upon death like a split piñata (roll 5d100 to determine the GP value in total per eggmen). If the Walrus survives he rewards the players with a purse of iridescent pearls of various hues, among them 3 pearls of power and promptly disappears. If the party does not vanquish all the eggmen after 3d6 rounds of combat, the walrus and the surviving Eggmen disappear, leaving none of their coin, gems, pearls or weapons. You get the impression that the Walrus wasn't a pleasant fellow.
65 Stork: The folder feels a sense of calm and peace as they finish the final fold. Nothing immediately appears to happen but momentarily an actual stork approaches, descending to the party. As it nears it carefully drops a bundle before or directly in the arms of the folder, never settling its feet on the ground. Your party now has a baby. Well, fuck.
66 Fox
67 Rose
68 Peacock
69 Beagle
70 Humming Bird
71 Toucan
72 Swan
73 Anteater
74 Fly
75 Ostrich
76 Pelican
77 Penguin
78 Orca
79 Elephant
80 Narwhal
81 Cardinal
82 Turtle
83 Pig
84 Swallow
List Contributors: u/crimebiscuit, u/Trsddppy, u/Gabrielckc, u/pennomi, u/Alavaster, u/ASzinhaz, u/FadoraNinja, u/2604, u/__Boobies__,
Edit: Adding some origami designs without powers to work on. Open to suggestions.
submitted by crimebiscuit to d100 [link] [comments]

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