Turn Your Clothes into Chic Peplum Pieces
Peplum’s been showing up on garments casual and fancy for the last few months, and we’re loving the flirty femininity it adds to any outfit. We’ve come up with one easy way to turn shirts or skirts into fashion-forward peplum pieces!
This project is slightly more advanced as it does require a sewing machine, and you’ll have to measure yourself to create a peplum pattern. We promise though, it’s not as hard as it looks!
– skirt or shirt (that you’ll attach the peplum to)
– 1 yard of fabric
– newspaper (for making a pattern)
– sewing machine
First thing to do is make your pattern.
Measure around your waist, where you want the peplum to start. Take that measurement and divide it by 6.28 to get the radius of your pattern. For us, the radius was 5 inches.
Now take a large piece of newspaper. Measure 5 inches from each corner of the newspaper and make a mark. Mark one more dot in the center of the two corners. Connect each dot by drawing a half circle.
Measure out how long you want your peplum to hang by starting at the waist line and measure a little bit past your belly button. We went with 8 inches. Make sure to leave an extra inch or so for the seam.
Cut out your pattern!
Next thing is to cut your fabric.
Fold your fabric into quarters so that the left and bottom corner are where the folds are. Place your newspaper pattern on top and cut.
Now you should have a peplum circle! Depending on the fabric you’re using, you may need to hem the bottom.
Next, time to pin!
Lay out your garment and pin on the peplum material. Be sure to pin (and sew) on the inside so that the lines are clean when you flip it over.
The peplum circle will be longer than your skirt or shirt. You’ll be creating small darts to make the peplum pop.
The best way to pin is to start at the center of the garment on the front and back. Then turn the skirt and pin the side seams.
And now it’s time to sew.
The trick to sewing a peplum piece onto a stretchy cotton skirt or shirt is to stretch your garment a bit while sewing. This ensures that your garment will stay stretch and also gives the peplum a little extra body.
And that’s it!!
And yes, you might recognize that skirt from our recent 5 Items, 10 Ways style hack.
For a more casual playful look, try adding a peplum flare to a tank top.
Or go fancy with vinyl or leather.
You can always just go nuts with the patterns.
Or wear all 3 peplums at once!
What recent trends are you digging? Have you tried your own DIY peplum top or skirt? Talk to us in the comments below!
Welcome to Selfmade Finance School, our new money series with Block Advisors to help small business owners with their tax, bookkeeping, and payroll needs year-round. This week, we explore the tax implications of bringing family members into your business.
The question for today is this: Does hiring your family members make sense for your business? Let me be clear. This is not a piece about whether hiring your family members makes sense for your relationships with those family members. As someone who is part of a family business, I could fill up a lot more than 600 words on my opinions about that. For today's purposes, we focus on whether it makes sense from an overall "good business and tax implication" perspective. As it turns out, there is a decent amount of tax nuance when it comes to employing your family. Let's break it down based on relationship to the employee:
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Spouses Who Are In Business Together
Personally, if I had to be in business with my husband, it would not go well. However, many couples build viable, strong businesses together and I say, good for them! Depending on how you have your business entity structured, it will make a big difference on the tax treatment of you and your spouse working as partners. Because a business jointly owned and operated by a married couple is generally treated as a partnership for Federal tax purposes, the spouses must comply with filing and record keeping requirements imposed on partnerships and their partners. The election to file two Schedule C (Form 1040) forms, (one for each spouse) permits certain married co-owners to avoid filing partnership returns, provided that each spouse separately reports a share of all the businesses' items of income, gain, loss, deduction, and credit. Under the election, both spouses will be subject to self-employment tax and on net earnings from self-employment and receive credit for Social Security earnings.
One Spouse Employs Another
If you have a dynamic where your spouse is an employee of your business, then your spouse's wages are subject to income tax withholding, Social Security and Medicare taxes. If you are self-employed (not a corporation or a partnership), your spouse's pay does not have to be included in your federal unemployment tax account (FUTA) contributions and payments. However, if your business is a corporation or a partnership you must include that spouse's pay in your unemployment tax contribution calculation.
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You Employ Your Child
First, let's be clear. I work in my family business, but I am an adult, so I am treated just like a normal employee. However, if you, for example, run a family restaurant and want to hire your children under 18 to work for you, there are some tax benefits. But first, you should check with your state for rules on how many hours minors can work (in non-agricultural jobs) and reference the Fair Labor Standards Act for information on limitations on the kinds of work children can perform.
"This is an often overlooked or under-utilized strategy. Paying your children for true services they provide in your business can be a powerful tax-saving tool," says Cathi Reed, Block Advisors Regional Director. "If you are a sole-proprietorship or single member LLC, and the child is less than 18 years of age, the business is not required to withhold FICA or payroll taxes. The child can use his or her standard deduction against income you pay."
You Hire Your Parent
Oh dear. If you are brave enough to do this, know that you will need to pay Social Security and Medicare taxes on your parent's wages and make the appropriate withholdings, but you don't have to pay unemployment taxes. Now all you have to do is convince your parent that you are the boss. Have fun with that!
Is Hiring Family Members Worth It For The Tax Benefits?
"There are some positive tax advantages to hiring family members. It's important to treat a family member like any other employee. Hiring your children can result in substantial savings for businesses. Make sure your child has real, age-appropriate work to do and a reasonable pay rate, comparable to other employees. Consult with a Block Advisors small business certified tax pro to ensure that you are complying with all requirements," advises Reed. "Block Advisors, a team within H&R Block, is dedicated to meeting the tax, bookkeeping and payroll needs of small business owners year-round. To start working with the tax experts at Block Advisors, visit blockadvisors.com."
In my opinion, you should not hire a family member solely because of the tax benefits. You should always hire based on whether that person is right for the job and keep in mind how this hire could materially impact your relationship with that person and others in your family. Finally, as I mentioned, make sure you have a tax professional on your team when making these determinations. As you can see, things can get a little tricky!
*All details were sourced from IRS.gov and blockadvisors.com