#faberr

[cloudbattrolls]

Underculture

This drabble is preceded by Rule of Law.

Hazard Ailaht | Present Night | Beneath Selatak

Hazard hardly dared look around as the hyena bounded across the noisy streets, terrified they’d crash, terrified it would throw him off as he clutched at its furry body with thick fingers. He shut his eyes to keep himself from panicking entirely.

Then - maybe a few minutes later, maybe several - the noise of the city cut off, the air got cooler, and he felt them go…down. With a mechanical, clanking sound, he realized they were using what must be an old elevator.

But how would a hyena know to do that? Was a bronzeblood controlling it somehow? No - surely that was impossible from this distance, even if the troll was using mind honey…

He opened his eyes a crack, cautious but curious. They widened as he realized he and the beast carrying him were descending far, far beneath the ground, and Selatak was already barely above sea level, island city-state that it was.

It was dark, almost stiflingly black. The little he dared to move his head provided no change in visibility as they went deeper.

He tried not to panic. 

“Gods and spirits, if you can hear me…” he murmured. “Please help me with whatever’s coming. I may be ignorant, but I mean no harm. I never wanted those clowns to die.”

He had to take a deep breath. Calm. Try to be calm. Or at least not lose it entirely.

Finally, with a thud, they reached what he assumed was the bottom.

The hyena shook itself and growled, and strangely he thought he could feel its impatience. He had an idea that it wanted him to get off.

The blueblood did so, if somewhat clumsily, given the darkness and his stiff limbs.

Then there came a rushing, cracking, bizarre rush of noise and air -

- and the elevator doors opened, dim light pouring in as they slid away with a clatter. He couldn’t quite identify what its source was, only that it was coming from several feet off in this cavern they’d apparently descended to. 

The hyena was gone.

Instead a tall man - tall as his ancestor and even more muscled, visible skin dotted with scars - now stood beside the librarian.

He blinked, mouth agape as the man began walking.

“Shifter.” He murmured in wonder. His friends had told him, but he’d never imagined…

“Yeah, that’s right, kid.” Said the man - short-haired, dressed in camouflage gear - in a rough if not disdainful voice, now several paces away and more visible. 

“Now follow me, you can go gaga about it later.”

Hazard followed, stumbling a little across the rocky floor as he got feeling back into his arms and legs. What else could he do? Fight? Interrogate him?

Neither were his way, and both seemed like a terrible idea given the circumstances.

“Where…are we?” He managed to pluck up the courage to ask, though he wasn’t sure if he’d get an answer. “Why did you take me down here?”

The werehyena snorted.

“We all decided after what Roscur’s stupid ass pulled that we had to intervene before the clowns could cull you. Not fucking fair, is it? You never asked for this.”

Hazard, stunned, mulled this over for a few seconds.

“I…thanks, but Lizzie was going to defend me. She would’ve gotten me off, I’m sure of it.”

The taller man laughed unkindly.

“They say you’re supposed to be smart. Use your fucking brain, kid. Even if you’d been pardoned, you think they would’ve let you run around free for long? No. You know how clowns work. Unless there’s blood, they’re not satisfied. Not after that many losses.”

He gritted his teeth, letting out an animal-like huff in frustration.

“That’s why we don’t operate that way. That’s why Roscur is the biggest fucking idiot ever hatched and he’s going to drag us all down with him.”

He looked up at the distant rocky ceiling, then shook his head and laughed again, unpleasant and now hyena-like.

“Don’t we seem down to you? Isn’t this deep enough we’ve been forced to hide? Fuck, maybe you can’t get it, you’re a blueblood. Then again…”

He looked at Hazard.

“You know what it’s like. With that ancestor of yours.”

The scorpion-snake troll shuddered.

Yes. He knew.

The man nodded, and finally they made their way into a large room carved out from the rock.

Inside was the strangest assortment of trolls Hazard had ever seen. Some almost looked normal, but their eyes, ears, or horns gave them away. Others seemed like things out of story books; he wasn’t even sure they were trolls.

He saw a couch and went for it, sitting down heavily.

The werehyena snorted softly, but Hazard was too tired and baffled to care. He looked away from everyone’s gazes, a mixture of curious and wary eyes all pointed his direction.

Mutants. He was sure at least half of them were mutants. And the ones that looked more normal…he’d be willing to bet they were shifters, or something.

But the one that had brought him down hadn’t hurt him.

So why was he here?

“Uh, heeeeey, hi, Mr. Ailaht.” Said a maroon girl, one with a pointy nose and rather homely face. She had buck teeth and dirty nails, and she fidgeted as she talked.

“I’m Rattus, and this is the Dicemaker…” she gestured to a quiet older man sitting cross-legged on a cushion, his hair streaked with gray. His caste was impossible to tell, head tilted down.

Then she gestured to the werehyena.

“That’s Kharak, you’ve met him…uh…shoot. I forget what I was gonna say.” She said, biting her lip, then she grimaced.

“Right, uh, sorry for grabbing you. Kharak said why, right?”

“You don’t want the clowns to hurt me.” Hazard offered, but his expression was politely confused. “But…who are all of you? What’s your connection to Roscur? Why…why do you care so much what happens to me?”

He tried to sound politely curious instead of suspicious, but he couldn’t help wondering. The whole situation was so odd. 

Kharak and Rattus exchanged a look - hers worried, his a grimace - but it was the Dicemaker who spoke up.

The older man looked up at Hazard, and he finally realized his eyes were a faded green; it was impossible to tell if they were olive or jade. His expression was distant, as if his mind was elsewhere, but his words were clear enough. 

“Panzen is one of ours.” He said quietly, and the room of strange people hushed as they hadn’t for the maroon or the werehyena.

“We are Selatak’s unwanted, its underculture of mutants, mages, and other such folk. Most of us live down here, but some such as Kharak and Panzen live on the surface. We do not like what he does with his gang, but he sends us money and goods we can hardly refuse. And it is our fault for failing to protect him when he was young.” He sighed wearily. 

“What?” Hazard asked blankly. “I’m sorry, I’m still pretty lost. I know magic exists - some of my friends are mages, though, uh, Kharak’s the first shifter I’ve ever met. But I still don’t see what this has to do with why he apparently stole my venom and started using it to kill people? I think?”

He cringed at making such a direct accusation, but given everything that had been said…

The Dicemaker studied him, those faded eyes suddenly turning sharp as he sniffed the air for some odd reason, then nodded.

“You truly don’t remember.” He murmured. “You must have suppressed it.”

“Suppressed what?” Hazard retorted too quickly. “I’m fine.”

“The carnival. That night Goh Tat asked you to cull a mutant -“

Noise in his ears.

Laughter. Striped canvas. 

“No.” He mumbled. “I don’t -“

A cluster of cages all gleaming, shining metal and soiled insides. The stench of troll misery, such a sharp contrast to the animal tent, its inhabitants well fed and well cared for.

Mutants were less valuable than beasts.

Goh Tat’s hand on his shoulder. Tight. Too tight. Making sure he wouldn’t run away.

A girl with hair so dirty he couldn’t tell what color it was. A tail of some kind. They said she was a cat and lizard mixed with a troll…

So why were her eyes - a strange but lovely silver - full of fear just like his?

Just like Bohaai’s?

“No.” He moaned. “I don’t - don’t make me -“

Remember.

Hazard held his head in his hands.

He’d spat venom at a clown to get the mutant free. In their face. 

Then another. 

Shouting. Cursing. 

Then all was quiet.

“For your donation, Goh Tat, we will forget this happened.” Came a pleasant voice as he heard the rustle of stacks of bills. “I will make them all forget. Voodoos are wonderful that way. But you owe us a new mutant.”

“Yeah, yeah.” Said the cerulean dismissively, waving a hand. “You’ll get one. I’ll teach my stupid kid a lesson. We’re square.”

After that, it had taken Hazard weeks to walk without pain. 

In the present, he sobbed, now on his knees on the cold stone floor.

“Why…?” He whispered as he saw the greenblood’s eyes crackle with magic. “Why did you…?”

“That was Panzen.” Said the Dicemaker. “You saved him. He never forgot.”

“Now he repays me with this?!” Hazard cried, blue tears running down his stubbled face. “Murder?!! I never asked for that! He made it look like it was my fault!! Why!!!”

“Yeah, that’s why I want to beat him over the head.” Kharak growled. “He’s a little fucked. Anyone would be, running off and getting raised by Hakket fucking Ixodes, but he’s still a champion bulgewipe. Aside from screwing you, it’s just gonna make the clowns crack down harder. He’s stupid. But no, money and murder were just too much of a temptation for his dumb ass.”

“Money?” Hazard asked blankly, rummaging in his sylladex for tissues. 

Kharak rolled his eyes. “You think mamba and deathstalker venom come cheap? Especially mixed together? He’s been selling the shit too, just pretending it’s some new poison.”

“Great.” Said Hazard numbly, slowly wiping his face dry. He wasn’t sure how much more of this he could take.

The Dicemaker’s expression softened.

“That’s enough for now. We have food, if you’d like some.”

“Yes.” Said Hazard instantly.

—

It was the strangest meal he’d ever eaten, only feet away from almost three dozen mutants and mages, but it wasn’t bad. 

He quickly ate up his first plate of chicken and rice with vegetables and was given a second, then a third, and after that one Kharak snorted and told him they’d have to start charging him for more.

Hazard blushed blue and looked away.

They probably struggled to get fresh food…

“I know we have little right to ask, but we could use your help, Hazard.” Dicemaker said to him after he finished his meal.

“Huh?” He said, baffled, sitting on the couch again. “What can I do? And I can’t stay down here forever.”

“We know.” The greenblood assured him calmly. “We will take you back no matter what, but we would like to rescue Panzen, if it is still possible.”

“Rescue?” Hazard repeated, and then he felt dread well in his stomach.

“Oh no…” He whispered.

Dicemaker nodded grimly, and with one upturned palm he produced some silver dice that projected a hazy image of the mutant gangster.

He was, once again, held in a circus cage. 

The Day Howler sat with a cool expression, arms crossed, but Hazard saw how his tail curled around his body, the way his ears pressed down as he struggled to swallow past his psi suppressing collar digging into his throat.

“What can I do?” He whispered - frustrated, helpless. “I’m not brave. You have magic. You don’t need me.”

“You’re a blueblood.” Kharak said roughly. “You can get into his execution ceremony. All the sects he hit are in on it, making it into a real party tomorrow evening. You and I could save his sorry ass, see him get justice the right way. Not from clowns. Not like this.”

Hazard laughed softly. It was all so insane. 

“You said the clowns won’t rest until they have blood.” Hazard pointed out. “How do we save him and still appease the sects?”

The olive wore a vicious grin.

“I didn’t say we won’t hurt him.”

Then he tossed back his head and let out a mocking hyena cackle, the sound echoing through the caves below Selatak.

[theywerebothgirls]

I don't know I was trying to practice the dungeon meshi drawing style and this is what came out. faberrizing your finchel.

[444names]

hi, love your work!

is it possible to have a fused list of chinese, finnish and english surnames, if that hasn't been done already?

Sure thing liege.

Names generated from Chinese, English and Finnish surnames.

Abressher Addeng Akeman Akerson Alaplelley Allield Allireath Alosibb Alste Alsto Alymaap Apley Ashames Ather Athougg Atipfor Atmanton...

Badwer Bailä Baittin Bakey Ballova Balsones Bance Barge Barle Batchford Batclidall Batmaarthe Batter Baupper Bearp Beckhadd Bemmon Beton Bettok Biaitts Bingod Blainn Blarl Blistam Blove Bodsher Bolfiel Bonson Borew Borgon Borroble Boxfoll Braden Bramptre Brangammon Bratcor Brathazbey Bringh Brisonen Broade Broodin Brouhti Burlett Burrock Burry Buryd Buttron Buzbirve Cagens Caitett Callizzley Carnennun Carton Castfiells Catch Cheen Chelley Chelovam Cherns Cherson Chestikkon Cheuiley Chfieldon Chichape Chily Chortle Churbee Comand Comans Cookemptow Corton Cottiff Cotts Coxhags Crain Crangs Croll Cromlers Croxson Curnen Cuskery Cutlia Cwarnaing Cwayway Cworainson Dabigg Dadlins Darham Darry Demastagg Denlouw Dinen Dixiou Dolnen Dowse Dradiblee Duthbarn Eabightle Ealton Eatnedge Eckone Efoomik Erslal Esoley Essimoivum Faberres Faggiley Fanchy Fardoberry Farken Fawton Feson Fieks Fielcrin Fiell Fiello Finsmi Flock Flubbo Fredlowne Fughtones Galche Gassarte Ghtman Ginghall Gington Gison Giters Giurn Golappett Goldendens Goodern Goodley Goodrielch Gorson Grakkuness Gralles Grattyu Gricks Gridhubb Grill Grith Gulfoivers Gumley Hakon Halomoc Hampted Handler Harchut Harselly Hatts Haund Hawhen Hazelk Hazell Hazley Hazzan Heates Hewbrom Hewcoston Hickdall Hilley Hitcarlin Hoaht Hoater Hobdice Hodeng Hoebnard Holdge Holds Hollan Hollen Hoparn Hopenham Horther Hsimmoivi Hsitclane Hsuvon Hught Huomer Imbett Imkiven Insomell Irmard Isser Ivellmild Ivereachot Jambri Joill Joillmartt Josimarn Jossiddick Juneton Jungtowrin Järinen Järivens Kains Kanden Karwirdy Keggsbett Keste Kiainson Kidge Kinens Knupton Kueih Kukkan Kwins Kwoonen Lacerson Lakines Lamenslaw Lampson Larpocton Latkinen Linefoom Lippälä Listradge Lockley Lorell Lorthee Lorthorn Lothen Lovin Lownson Lunen Lupiparvey Lword Lyary Maavarpla Maitt Makkon Malanks Manen Maneshman Manfosles Manickin Manmarwood Manne Mantong Manward Marley Merner Merva Mingh Mington Minnunn Mitcley Mortai Mottshies Munleton Mylack Mylescaitt Mäkinsteed Neevih Nellway Nielving Niemite Ninsbury Nockle Nocklesby Nyaripton Oatio Ojaking Olmon Ourry Paaplins Paders Parle Parnenney Parwayheal Pastatow Pastersheo Paulmines Paynend Pearnam Pebell Pelio Pellon Pencer Peppe Persouse Pesmitford Petila Peward Pewor Piamunen Pikord Pingfey Piter Pitton Pivenn Pixer Pophurn Popurry Popuryd Posla Prummord Pulton Pussey Puthle Ragge Ralfry Rannum Rather Ravine Rawelais Rayerth Rengrill Rensfielot Rettilld Ribboxson Ricobs Rimkiney Rining Ripsones Rispoppei Rockemiel Roodge Rootthsih Rostipking Rotteesser Rovuo Rowde Rowler Sabout Sarnberman Sayle Scherry Schow Scilsong Scroodray Scumäkird Selly Sevantles Shars Sharthers Shiell Shitt Sibbson Siddlefie Siffogs Silton Simer Siung Skoss Slild Smalfiell Smanner Sming Smiter Sneskimb Snobs Sondes Souckla Spalon Spater Speld Spemison Spermer Spinkeng Staine Staytowell Steatte Sters Sterson Stield Stiter Stolaull Stomle Stong Stoppick Strasswei Suett Swila Swook Sykroy Tacetonend Tamme Tawell Teren Thewisala Tield Tiker Tinsoen Tjohn Tjunne Tombraber Tongton Toulam Treek Trick Trine Tsweld Tuckle Tufos Tunksham Turry Turson Valches Valgraing Versonenen Viney Watminson Welge Werbeash Whindow Whiphurre Whipword Whird Whitle Whyvönen Widge Wilayth Wilmarkine Wincy Winen Winey Winshill Wisher Wissle Witer Wores Wrimm Xiatt Yather Zhuan

[fanfictionfaberrycentral]

Chapters: 1/1 Fandom: Glee Rating: Explicit Warnings: Creator Chose Not To Use Archive Warnings Relationships: Rachel Berry/Quinn Fabray Characters: Rachel Berry, Quinn Fabray, Mike Chang, Tina Cohen-Chang, Brody Weston Additional Tags: Romance, Smut, Explicit Sexual Content, G!P, Futanari, g!p Quinn, Faberry Week, Faberry Week 2022, NYU Universe, college a/u, prompt 3, Day 3 - Moving Out / House Together, Moving In Together, Domesticity Series: Part 3 of Faberry Month - “NYU College AU” Summary:

Aaaaand I am back for day 3.

Set in the same NYU Faberry universe that I wrote for Faberry Month

[lennapo]

AO3 Fanfiction masterpost *updated*

Hey!

I’m bringing back this masterpost with the newest works. You’ll find a few different fandoms, like Wayhaught, Trimberly, Sanvers..., even A couple of Faberry fics. I hope you enjoy them!

*I’m currently writing a Deanoru oneshot*

And if you have a prompt for any of those fandoms, feel free to send them my way.

WayHaught (Waverly Earp / Nicole Haught - Wynonna Earp)

Stupid (great) decisions

Nicole gets drunk and starts playing with her phone when she shouldn't. But that might not be such a bad thing. 

A Tumblr prompt: "Haught... did you just thirst follow my sister?" College AU maybe and wyhaught share a class? saw you receiving prompts :D

It’s always her

With the demon's ring in her hand, Nicole remembers. Dozens of lives, dozens of faces, but always her.

Another Tumblr prompt: Wayhaught + "Its always gonna be you" (or/in somekind of soulmate AU or that thing were they are reincarnated and can sometimes get their memories from previous lives or not)

Time and Time again

They've had a lot of lifetimes together, and every single one of them counts.

This is a sequel/prequel to "It's always her", so I strongly recommend to read that one first.  

Keep the tie on

Nicole has a new uniform. 

Sanvers (Alex Danvers/Maggie Sawyer - Supergirl)

And then I’ll ruin it all by saying something stupid (like I love you)

Maggie gets to know the flirty side of Alex Danvers and realizes that, maybe, she’s being an idiot.

Assumptions

Maggie really should stop making assumptions about Alex Danvers.

The hidden face of the moon (is a masterpiece)

There’s a lot of people that cares about Alex Danvers, even if she’s a little oblivious about it. (Or the one where everybody is a little in love with Alex)

Codename: ARTEMIS (ongoing)

*Better if you previously read The hidden face…*

After Alex is badly wounded, scaring the hell out of all her family and friends, Winn decides that it’s time to do something about it.

Giggles

The DEO agents aren’t used to a happy Alex Danvers.

Out of juice

When you run away from an alien planet without enough time to bring your new gun’s charger with you.

Inevitable

Alex’s thoughts have been piling up inside a box under her bed for a long time, hidden in the pages of her notebooks for only her eyes to see. Until the day she decides to share them with the world.

Waiting for you

*Read after Inevitable. Maggies point of view.*

Since her parents kicked her out of her home, Maggie has always felt alone. She only finds some comfort on the stars and the poems of someone she found by chance on Instagram. Until she moves to Midvale and meets Alex Danvers.

Of questions and bets

There’s a hidden board at the DEO’s break room full of dates and names.

I Don’t Wanna See You With Her

It’s been months and her words from that night still echo in her head, like a wound that never heals. I can’t do this anymore.

You are my tree, my destiny.

Sometimes, Maggie needs to hug her soon-to-be-wife like her life depends on it. Some other times, she just likes to embarrass Alex in front of the others.

Beware of the Danvers sisters (and their lack of self-preservation) 

Maggie is used to it. Lena just stepped into this mess without realizing. 

Supercorp (Kara Danvers/Lena Luthor - Supergirl)

You make my heart feel like it’s summer (When the rain is pouring down)

Lena just sent her mother to jail and she feels alone in the world. But Kara won’t let her believe that. Post 2x08

Leo, the friendly dog. Leo loves to make friends at the park. Albert and him are a match made in heaven. Alex doesn't seem to think so. 

Hollstein (Laura Hollis/Carmilla Karnstein - Carmilla)

Eternity is a lonely word

“And what about eternity? What if I find that someone and want to keep them forever?”

Based on that little moment in 3x17 when Lafontaine catches Carmilla stroking Laura’s hair.

Trimberly (Trini/Kim - Saban’s Power Rangers)

We are a thunderstorm (ready to strike)

After the battle, they are one, glued to each other, always together. They just need a little permanent reminder of that bond. (Or the one where they all get tattoos).

You make my whole world feel so right when it’s wrong (That’s why I know you are the one)

The first time it happens, Kimberly is a second away from doing something stupid (like erasing that fucking smirk from Amanda’s face with her fist), before Jason puts a hand on her shoulder to stop her. Or how Trini keeps having suspicious encounters with Amanda, and Kimberly feels like she’s stepped into the Twilight Zone.

The enemy of my friend is my friend (or something like that)

Sometimes, Trini misses the days when she was still invisible at school, when she didn’t have any friends and people simply ignored her. It’s not like Trini doesn’t love her little team of misfits, she’s just not used to all the attention that being friends with the two biggest pariahs at school has brought to her life.

You've got a friend in me (as weird as that is)

There must be something in the water... Or the one where Amanda starts acknowledging Trini at school and Harper thinks she's going mad.

When the past comes knocking

There's a reason for Trini's policy against kissing cheerleaders.

Never you

Kimberly makes a decision that takes her to Trini's door on a rainy afternoon.

Tumblr prompt: Trimberly + "I regret many things but not you, never you"  

In the middle of the night  

In the middle of the night, in a dark, cold lake, Kim is not alone.

Okay, so @youcanbemysanity on Tumblr asked for someone to write a Trimberly fic based on the chorus of Taylor Swift’s Ready for It, and suddenly I got this idea in my head and I couldn’t not write it.

I’m not even sure if it works well with the song, but at least I tried. Also, it’s slightly NSFW.

Friday Nights

Trini loves horror movies, but there's a line she won't cross.

Another prompt from Tumblr! you choose the ship, "im not watching IT" "is xxx scared of clowns?"

Unexpected Knights  

They've had a really public coming out, basically in front of the whole school, but things seemed to be going well, until they return from Winter's break and there's a new guy who won't leave Kimberly alone. But Trini has made some unexpected friends that will jump to the rescue, even if is just to avoid having Trini throwing punches around.

Answering a prompt from Tumblr: I got a trimberly prompt, Kim and trini have their relationship exposed to the school, it's mostly positive and things go good. However as they are leaving school they start getting harassed by bullies, before either can do anything they get rescued (more like helped by) surprise heroes: Bulk and Skull.

Faberry (Rachel Berry/Quinn Fabray - Glee)

On songs and how she came to realize

After their argument at the auditorioum, once Rachel is gone and she’s alone again, Quinn has a revelation. Set after the ‘piano scene’ on Original Song. Faberry one-shot.

Sharing

Tina and Mike are getting married and their house is full of people. There's one only bed to share, which forces Quinn to face something she regrets doing months ago.

Another Tumblr prompt: your feet are cold, keep them away + faberry maybe ?

[sneakingbitch]

okay but ambi is literally middle school faberr- *disney sniper shoots me in the head*

[lucytara]

Is it me or does the bees WR situation remind you of brittan/a (bees) & faberr/y (WR). With mono being Quintan/a, quit/t being frezzerbur* & ladybu/ pezberr/y?

i know you meant well by this ask but i need you to understand that i hate glee with every fiber of my being and comparing that dumpster full of shit on fire to a work of art like rwby should be punishable by law

[poetzproblem]

Hello poetz, maybe you or your followers can help me? I have been trying to find this faberry story for ages: it is set in the past (Something like 1930s or something). Rachel is the new girl in town, finn and quinn are supposed to marry - at one point in the story kurt is beaten up for dancing with Kurt at a party - and in the end faberr, klaine and brittana leave lima to live in new york because its more open there and they all move next door. Does it sound familiar? Thanks for helping out!

I don't think I've ever read that one.

Posting in case anyone recognizes it.

[qdmnotizie-blog]

FABRIANO / A PESARO DOMINIO PER LE FARFALLE E SESTO POSTO PER LA BALDASSARRI AL NASTRO

FABRIANO / A PESARO DOMINIO PER LE FARFALLE E SESTO POSTO PER LA BALDASSARRI AL NASTRO

Per Milena anche il nono posto in classifica generale   FABRIANO, 16 aprile 2018 – La danza tricolore festeggia le imprese pesaresi delle giovanissime italiane, che raccolgono grandi risultati ed applausi. Arrivata alla decima edizione ospitata sul suolo marchigiano, la tappa mondiale ha visto la nazionale italiana partecipare insieme ad oltre 30 nazioni, con 56 individualiste. Farfalle…

[morganbelarus]

25 ways to save $250 a month that everyone is messing up

Image: Faberr Ink/shutterstock

When it comes to saving money, not every way is the right way. A lot of it depends on your lifestyle and the goals that youve established.

At the same time, there are plenty of mistakes we typically make when it comes to saving like the 25 ways listed below.

1. Not monitoring your budget

When it comes to saving some cash each month, nothing beats a budget. Heres the problem. You base your budget on your fixed expenses like rent, insurance, and utilities. But, what about those unexpected or variable expenses like a trip to the dentist, replacement of your broken iPhone, heat during colder months, the invitation to go on a last-minute weekend vacation, or gifts for birthdays or holidays?

If youve created a budget based on only your fixed month-to-month expenses, then its going to be a lot harder to save accordingly. Instead of saving money each month, youll actually be eating into your savings.

To successfully budget, you have to pay attention to trends and then reshuffle as needed. This way, youll have enough money to cover those unexpected or variable expenses without dipping into your savings. Remember, budgeting is a process. Dont expect to create a budget based on solely on one month. Track your spending over the course of a couple of months so that you can paint a more accurate picture.

2. Spending too much time on being frugal

Another way to save money each month is by being frugal. But, if youre spending more time on monitoring your budget, clipping coupons, or scouring the Internet for the best deal instead of enjoying your life, then its time to reevaluate the situation.

The purpose of saving is so that you have the money to take that family trip, make home improvements, or invest in new business. That doesnt mean that you eliminate the important things in life, such as spending time with your family, just for the sake of saving. By all means, be frugal but not when its consuming too much of your life.

3. Loyalty

When you think about saving money, you most likely think about reducing expenses like going out to dinner less often. But, when was the last time that you compared the rates and deals of your bank, insurance company, the Internet or cell phone provider? Theres a good chance that there are better options available. Switching your cell phone provider, for example, may not save you $250 alone per month, but you may find a plan thats $25 cheaper per month. Add that to your other saving methods and youll be on track to that $250 goal rather easily.

4. Youre uncomfortable

Being frugal doesnt mean that you have to sacrifice the things that you actually need or enjoy occasionally. It means that youre more cognizant of your spending so that you can make better financial decisions. It doesnt mean that you have to be uncomfortable and miserable by missing out on the things that you enjoy or need like that new mattress to replace your uncomfortable and torn-up mattress.

5. Buying on sale just because its on sale

Weve all been guilty of this. We purchase items just because theyre on sale. But, do you really need that new pair of jeans just because theyre 15% off? Instead of spending your money on the things that you dont need just because theyre sale, make a note of the what you do need and then wait for them to go on sale.If youre like most people, this adds up to be over $250 a month.

6. Cooking at home

Make no mistake about it. Cooking at home is definitely more affordable than eating out every night. But, what about the times that you want to make something that calls for ingredients that youll rarely use. Take Paella, for example. While its delicious, theres a chance that the saffron you purchased is going to go to waste.

When grocery shopping, try to think of meals that use similar ingredients so that nothing is going to waste. Another option would be to join something like Blue Apron or Sun Basket since they provide the right amount of ingredients needed for each recipe. Best of all? Plans start at around $10 per serving.

7. You cant let go

Do you have a house full of stuff that you never use but hold onto them because you might need that snow blower even though you live in Florida? Its time to let some of that clutter go. While I understand that you dont want to buy something if you already have it, take stock of the things that you know youll need.

If you keep accumulating stuff, youll potentially run into a situation where you need to rent storage space because you no longer have space in your home to store it. How is that going to help you save money each month?

8. Buying coupons youll never use

There are some incredible deals on Groupon or LivingSocial. But, are you really going to take that yoga class or eat at that new Italian restaurant outside of town before the voucher expires? If so, then purchase the voucher, but if youre uncertain, then skip the deal.

9. You jeopardize your safety

I dont enjoy throwing away food. However, Im not going to put myself or my family at risk by cooking dinner using expired ingredients. If something is bad, its better to chuck it then risk getting a bad case of food poisoning.

10. Signing up for a new credit card just for the rewards

In some instances, credit cards have perks like rewards, cashback on purchases, and 0% percent APR for balance transfers that make them worth considering. Before applying for that new card, review all of the fine print. This applies to businesses as well. The cost of annual fees and high-interest rates may not be worth those perks.

11. Cutting out all activities and socializing

One of the most expensive expenses youll incur is socializing and participating in activities. Instead of becoming a hermit and isolating yourself from your friends or family, make an exception here and there. If you go out for drinks or attend a concert on Friday night, then stay home on Saturday night. Youre still socializing, but youre also being responsible with your money.

12. You never indulge

Just like with socializing, its alright to indulge now and then. It can be used as a reward or help you experience new things. So, if youve brewed your own coffee at home all week, go ahead and stop by Starbucks on Friday morning. You earned it!

13. Youve taken DIY too far

Thanks to Pinterest and YouTube, weve been tricked into thinking that we can do anything from building furniture to repairing our cars. The problem is that this can lead us to potentially do more harm than good.

For example, changing the oil in your car may sound like a good idea, but by the time that you purchase the oil and filters, it may cost you more money than going to a mechanic. Even worse, if youve never changed the oil in your car and make a mistake youll now have an additional expense: paying a mechanic to repair the damage that youve done.

14. Cord-cutting

One of the most popular trends when it comes to saving money is through cord-cutting. The thing is its not for everyone. If you enjoy watching local sports or shows like Game of Thrones, you may end up paying more money each month since youre still paying for Internet service, a local TV package, and a premium channel subscription. Unless youre not a TV-watcher, cord-cutting may not be your best option.

15. Not calculating your retirement

Saving for your retirement is never a bad idea. Going into it blindly is, however. You wouldn't purchase a car or home without knowing how much its going to cost you, right? In order to plan and save for your retirement, you need to first calculate how much youre going to need to set aside each month. NerdWallet has a handy retirement calculator that can help you get started on the right path.

16. Putting money into modest growth plans

One of the biggest mistakes that even the savviest savers make is putting money into modest growth plans, such as low APR savings accounts, CDs, bonds, mutual funds, or simple 401(k)s. Thanks to Fintech, your bank or financial adviser will be able to send you personalized investment recommendations so that you can get the most bang for your buck.

17. Not harnessing the power of Fintech

Speaking of Fintech, financial institutions are using this technology so that you can also automate investing and savings by adjusting your budget and notifying you of any changes in your accounts. You can receive customized financial advice through chatbots to make more informed financial decisions.

18. Avoiding cash

Theres a belief that if you have cash on-hand youll be tempted to spend it. The thing is if you only have $45 in your pocket, you cant spend more than that. However, if youre carrying plastic or a digital wallet downloaded onto your phone, you may be tempted to spend money on stuff that you dont really need. In the end, cash may be the better option to keep you financially disciplined.

19. Not automating your savings

Dedicating a percentage of your paycheck to your savings is a given. However, what happens when you place that echeck into your bank account? After your expenses have been paid, you may be tempted to spend that excess cash. To prevent that from happening, you should automate your savings where a small percentage of your paycheck is withdrawn and transferred to your savings account. This way, youre not spending that excess money since its already been placed into your savings account.

20. Buying cheap, not value

You may think that in order to save $250 a month you have to buy products or service that are the cheapest. Just remember, you get what you pay for. For example, if you need a new pair of sneakers and purchase a pair from a local dollar store, theyre probably not going to last as long as a quality pair of sneakers. Sure, spending over a hundred bucks on a pair of shoes may seem like a tough pill to swallow, but theyre more likely to last you several years.In other words, always go value over price. It will be worth it in the long-run.

21. Buying in bulk

Buying in bulk can be a smart move when it comes to items that you use frequently and wont spoil. For instance, household items like toothbrushes, toilet paper, or light bulbs are cheaper when bought in bulk. Food items are a different story. In fact, food waste costs between $1,365 to $2,275 per year for the average American household.When it comes to perishable items like food, buying bulk isnt always the most cost effective solution.

22. Linking your checking and savings accounts

Gone are the days having only one bank account. Today, there is a wide range of ebanking options for your specific needs. For example, you could use one bank for your main checking account because you arent charged any maintenance or minimum balance fees. However, there could be another bank that has a higher interest rate on saving accounts. By separating these two accounts youre not only avoiding fees and getting a better return, but youre also preventing the chances of spending the money that you've set aside for that emergency fund or savings plan.

23. Assuming theres a quick fix

When you start saving you first look at reducing your spending. Chances are that reducing your trips to Starbucks or changing your cell phone plan arent enough to add up to $250 in savings each month. After that, you make another cut, then another, and then another until you've reached your goal.

The point is when it comes to saving, there aren't just one or two quick fixes. Its a process that takes time.

24. Focusing on saving while considering how to also make more money

Income is arguably the most important factor when it comes to saving. If youre living paycheck-to-paycheck, then how can you put aside a couple hundred of dollars each month? Reducing the amount of money that you spend each month is only part of the solution. The other part is having additional income that can be placed into your savings account.

Thankfully, there are hundreds of ways for you to make some extra cash on the side even if you have a full-time job. Here and there, working some evenings or weekends can help you easily hit that extra $250 per month and maybe even more!

25. Saving solely for needs

Most financial advisers suggest that you save for needs like a new car, health emergency, or college education. While thats sound advice, when you only save for your needs, you tend to get frustrated and resentful of the entire saving process.Instead, set aside some of your savings for something fun, such as a dream vacation or new TV. You earned that money, so make sure that you enjoy from time-to-time and reward yourself for becoming more fiscally responsible.

John Rampton is serial entrepreneur who now focuses on helping people to build amazing products and services that scale. He is founder of the online payments company Due. He was recently named #2 on Top 50 Online Influencers in the World by Entrepreneur Magazine. Time Magazine recognized John as a motivational speaker that helps people find a "Sense of Meaning" in their lives. He currently advises several companies in the bay area.

John Rampton

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25 ways to save $250 a month that everyone is messing up was originally posted by 16 MP Just news

[cloudbattrolls]

Rule of Teeth

This drabble is preceded by Underculture.

Hazard Ailaht | Selatak | Present Night

Hazard stood in line, surrounded by chattering trolls; not a single one was below teal, as far as he could see. The line was long enough - and the clientele were rich enough - that vendors and performers of all kinds had flocked to them. The smells of sizzling street food and trolls calling prices filled the midnight air.

For once, Hazard was barely tempted by all the food on offer. Instead his eyes flicked between all the trolls around him, and toward his destination.

As Kharak had said, Selatak’s sects didn’t let just anyone into their executions or parties, and this was meant to be both. A grand culling fit for the gangster who had vexed them and the policeradicators so often.

He wished he’d gotten a chance to tell Lizzie he was back, but he knew she’d have a million questions and demand answers. For now it was better he disguised himself with a charm Dicemaker had given him and pretended to be just another blueblood in the crowd. 

His bulk made him stand out a bit, but his slow, careful demeanor made trolls dismiss and ignore him, happy to gossip with more talkative members of the line or to buy things from the hawkers. 

They’d disguised his voice too, but it was still better to draw as little attention to himself as possible. The clowns couldn’t know he’d been here.

Even if they did believe him innocent, he certainly wouldn’t be after he was done here.

Hazard, he heard faintly in his head. S’not in good in there, but not worse than we thought.

Eerie sensation, but at least the voice was one he recognized. 

Rattus, currently in her natural form. 

She’d explained earlier during their planning session that she really was a rat, magically given the ability to change into a troll, so he guessed the name made sense. Still wild to him in principle, but maybe it wasn’t so different from Jikiro’s tanuki lusus.

The reverse shifter had gone ahead to scout inside the circus - specifically, the Moons’ Eyes compound. They had one of the biggest territories in the city and Chiloa Teroct was happy for any opportunity to express his goodwill toward the other sects by inviting them in with open arms. 

According to the gossip of the other trolls in line, he even had fireworks planned for after the execution had taken place.

‘Pretentious prick’, Hazard could almost hear Plaske scoff in his head as the line finally moved a bit and he took a few steps forward. 

He wondered what the Dreamweaver leader thought of all this. 

Would they be here too?

What are their defenses? He finally responded to Rattus, feeling a bit guilty for his straying thoughts. 

Bunch’a big guards, plenty got clubs but I’m sure some have guns too. Kharak could take care’a them, but it won’t be quiet, an’ we’re gonna need him for grabbing Pan. Can you do somethin’ with your venom?

He winced reflexively, then remembered she couldn’t see him. The temporary communication spell Dicemaker had put on them and Kharak only relayed words, not emotions or facial expressions.

Yes. But I’m not hurting them more than I need to.

He could practically feel her sigh over the mental link.

Aight. Do it your way, but make sure it’s done, buddy. I got a looong life to live now, an’ I don’t wanna waste it gettin’ shivved by a honker.

Long life? But she was maroo - oh, right. He guessed even a maroon’s lifespan would seem long to a wild rat.

He moved again as the line did, and realized with a surge of nervousness that he was close to being let in. Close to having his blood tested and possibly being chucklevoodooed…but Dicemaker had assured him that his protective charm would hold, just as it would for Kharak and Rattus if any clown attempted to use their powers on them.

Hazard hoped very, very hard that the old greenblood was right, or their whole cover could be blown in moments.

He wished the man could have just teleported Panzen out, but Dicemaker had explained that he wasn’t a powerful enough mage for that; none of the ones down below were.

You are friends with mages, yes? He’d remarked when Hazard had bluntly asked him why it couldn’t be that simple. Could they achieve such a feat?

The blueblood had realized, being asked such a question, that the answer was almost certainly no. Velour’s skills lay primarily in illusions, and while Jikiro’s ink magic seemed pretty versatile, he was far from all-powerful. 

Maybe Mùirne could’ve done it, Hazard reflected as he finally walked up to the bored-looking blood tester, but he was realizing their power set was unusual. 

“Wrist.” Yawned the purpleblood on duty, their ears flicking impatiently. 

Hazard had always been glad to not have mobile ears. He hardly minded them on others - he found Eirror’s large round ones quite charming - but they gave away so much in terms of emotion that he was happy to not have that particular tell.

He obediently stuck out his outstretched arm - thick, a pale shade of gray, somewhat sweaty from the usual heat of the city - and the clown briefly took it in their strong fingers, gripping it firmly.

Their claws cut him just a little, a painful but narrow slit; he was sure the pressure would’ve pierced even a seadweller’s tough skin. Their expression was so casual and uninterested that they must have done this a thousand times.

They watched a few drops of standard cerulean leak out as their eyes glowed a soft indigo, then waved him onward and washed their claws off in a nearby bowl of water.

Hazard’s shoulders lowered in relief as he walked deeper into the circus, pretending to follow the neon signs that led to the seating set up around the execution stage. He hadn’t realized how tense he was.

He let some newly approved trolls jostle around him, and - pretending to look confused - slipped off toward the clusters of guards on the stage’s stairwells instead.

Rattus, he said. If you could be a distraction, I can take care of them. 

If one’a them steps on me, you owe me, library boy.

I will. Thank you.

He heard a snort of laughter from her in his head and after a few moments, he saw a brown streak of fur dart through the guards on the left stairwell.

The indigos swore and began swatting at the rodent as she darted among them and nipped at their ankles, evading their grabs and the flails of their clubs. Luckily, enough trolls had poured in that no one was paying much attention to the guards.

This was going to be tricky timing-wise, though, and he’d have to be very careful. Good thing he’d eaten things to boost his venoms’ toxicity before he left the cavern; he’d need as much potency as he could get right now, even if only as a last resort.

Hazard took out a handful of magical sparklers and miniature fireworks, tossing them among the clowns; to anyone watching the purple and gold bursts of light, he’d just seem like a drunk or overenthusiastic celebrator as he dodged around the confused, disoriented purplebloods.

That wouldn’t hold them for long. He had seconds.

Rattus, can you cover me? 

Sure I -

Her voice cut off and his heart sank as - just reaching the top of the stage stairs - he turned back around to see her held by her tail, struggling in a clown’s grip.

He was out of sparklers. Too far to use his venom.

Hazard took a thick dictionary from his sylladex and launched it directly at the clown’s head.

He’d never been good at aiming, but luckily the troll had tall horns, and they swore as the book crashed into them, allowing the wererat to bite their hand and escape.

Then he heard confused calls and shouting from the stage’s other stairwells and his face drained of color.

Oh no.

He looked at Panzen’s cage in the center - so close, but so far. He wasn’t going to be able to unlock it. He wasn’t - the clowns were thundering up the steps, he -

Rattus launched her furry body across the stage, fiddled with the lock, and then vanished.

I did it, she said. But I’m stuck in here with Pan ‘til Kharak can make his move. Buy us a minute or we’re toast.

Hazard took in a deep breath.

He waited until all the clown guards converged on him, blessing his current immunity to their powers as their eyes flashed in dozens of colors.

He let it all out in a massive cloud of venom, one so thick and potent it was more akin to fog, and the clowns - eyes unprotected, noses breathing it in, utterly unprepared - began to cry out, shake, and fall, writhing in agony on the stage as the grayish white fog attacked their bodies.

He moved around them as quick as he could, avoiding their flailing limbs to get to Panzen’s cage, and he hoped the cloud hadn’t hit him too -

- when a deep, loud growl sounded, and with weak-kneed relief the blueblood almost wept as Kharak leaped in a graceful arc from the audience and landed on the stage, shaking it slightly from the massive hyena’s impact.

The audience gasped as one.

Panzen burst from his cage and jumped on Kharak’s back. 

The hyena growled again, even louder and ran again, this time leaping so high he cleared the wall at the back of the stage with only his belly fur lightly brushing the partition.

Then the sky came alive with a burst of lights, crackling in every hue of the hemospectrum, forming...letters?

It seemed to have a transfixing effect on everyone else; no one else rushed to help the prone indigos, no one went after Kharak.

Awed, Hazard couldn’t help watching even as he took his chance and hurried away again, wondering who was putting these on; it couldn’t be the clowns.

It was only as he hurried past the befuddled blood taker and away to safety that he realized what the fireworks were spelling out, over and over again.

A threat. A promise. A refusal to give in even to the city’s strongest.

WE WILL PUNISH OUR OWN.

[444names]

french forenames + theological demons + greek islands BUT excluding "s"

Aberaneine Agakilouli Agançoi Agencilia Ageori Agonolluc Agrefarce Ahale Ainer Alame Alami Alaud Alauloce Alaur Alaure Alemmonol Alkaël Alkoi Alphanade Amaigorgen Ammezben Amolyon Ampolia Ampolou Anamorni Ananfra Ananuette Ancifurin Andra Andreanie Anerac Animicka Anine Anmarich Antikythed Antin Antine Antit Aplançoine Ardin Arhiellor Arichèle Armadie Armarth Aronia Aronichel Athar Aulaur Aulexi Aurchrine Aurene Aurle Aurégia Avian Baamoni Babrufon Bachoulidi Badette Badion Balia Balice Balor Balydopone Baphin Baplomenti Bapolaine Bapula Barandro Barbar Barga Bariale Batzard Bencif Bennoulic Berbera Berette Bergo Berie Berre Bette Bharepal Bhūtalin Bianclaki Bieliel Bienée Bukan Bukanne Béane Caine Calon Calorak Carmara Cella Celleie Chabin Chaxanden Chaxi Chellu Chilor Chloni Chori Chrioth Cifria Cimede Claine Clamada Clauda Claurevie Claurick Clavice Clémi Colian Corne Crion Cyrokyria Cécimnou Cédéraiane Daiga Dainemueri Daion Dakin Damie Damurchan Danck Dandine Dangyale Danne Dantzette Deliakoki Demurle Deria Derrepha Devie Dierine Dilili Dinerette Dione Donique Dovete Drenthria Dylvacquel Ellove Erakevine Faberre Fabia Faneu Farmathéo Farundra Flamy Fonneve Foriann Foriannea Forimodile Fothydre Fotina Fraidette Frakline Frano Fravidilie Frégia Furce Gabela Gabhūta Gakine Galaul Gandan Gantu Garch Garda Gargor Gatzo Gelle Ghinoule Ghizo Giotia Glabyzo Glangelia Glanlonia Gomagabi Grakle Grelyne Grepha Grine Grémil Gualaura Guaym Guelaudine Guerre Guilolavra Gylannieu Gylvine Gélim Haalphenzo Hakin Hakku Haleparin Hurgaleth Hurmame Hydouda Iferine Iforith Ikolora Ikythoi Imala Ioinerin Ipathym Ipaulivine Ipeth Ipette Irethri Irofal Itharc Jalber Jandiel Jealien Jeande Jeane Jeannieri Jocalia Jocencul Jongylvali Julia Juloce Kadidi Kalam Kalamoneri Kalia Kalouta Karcharofi Karonien Kavainie Kavali Kavanno Kavront Kelithuge Kerine Kliagin Klill Klivi Klorif Kobar Kolydre Kopou Koraine Korpiette Kouta Koutria Kronioi Kumbhūtal Kyrianiand Kyrnadel Kythu Laier Laine Lamvon Lamvongra Landhaxa Lanne Lanti Leikolaura Leiria Lemameta Lemoli Letallou Letteri Levinn Lidia Lieleie Lille Liloulina Lineia Lomart Lonzo Lucifert Lucifrai Lucillen Lucine Lérianada Madeta Madia Madine Madyazi Magione Mahrine Maiga Maine Makerogion Makli Makophime Malionti Malludre Mandro Mantit Marce Marellexi Maren Mariene Marifer Marikon Marinni Markorette Marle Marleirane Marna Marnare Marobath Marth Mathomou Matoli Matrichrie Matroni Mattolon Mavia Megaia Megain Megatin Menti Micel Mothria Murimori Mykoine Méline Mélion Nadio Nadre Nathoi Nevia Nevine Nimick Nique Nièle Oraki Orakra Orpax Paden Paina Paine Palkoudian Pallazakar Parent Parine Pathim Pathrie Patte Paudane Paudel Paumbharon Paxavy Paxim Peloudi Permane Perth Pethill Pettalle Pette Phaxim Pielinin Pieta Pigorc Pioni Pitolle Poinonie Polaina Ponine Pouda Praura Praxi Prigin Progino Prokalaura Prolman Promone Prone Querice Raimed Rakkume Rekho Rennique Renricie Rette Rhakli Rhonientu Rithan Rocart Rokine Romorc Romorinne Ronane Ronin Ropory Rédéralle Régori Takine Thachria Tharthir Therait Thiere Thillené Thoutie Thrie Thydra Théra Théro Thérène Tophalilon Toploce Trantine Traymocha Trick Tricoruno Trine Trovicent Tucie Vacque Vacquencla Valaul Valevy Valexa Valina Valourfu Vidier Vithelo Vittan Vrovro Véritha Vérizo Wilithine Xanonine Xaval Xavdon Xeiagille Yaloïc Yannièle Yeqoni Yettan Yette Yettellone Yvelen Yvonia Zagalia Zedia Éliantie Élien Ördia

[fanfictionfaberrycentral]

# Always Faberr

[bigcashblog-blog]

25 ways to save $250 a month that everyone is messing up

25 ways to save $250 a month that everyone is messing up

Image: Faberr Ink/shutterstock

When it comes to saving money, not every way is the right way. A lot of it depends on your lifestyle and the goals that youve established.

At the same time, there are plenty of mistakes we typically make when it comes to saving like the 25 ways listed below.

1. Not monitoring your budget

When it comes to saving some cash each month, nothing beats a budget. Heres…

[trendingnewsb]

25 ways to save $250 a month that everyone is messing up

Image: Faberr Ink/shutterstock

When it comes to saving money, not every way is the right way. A lot of it depends on your lifestyle and the goals that youve established.

At the same time, there are plenty of mistakes we typically make when it comes to saving like the 25 ways listed below.

1. Not monitoring your budget

When it comes to saving some cash each month, nothing beats a budget. Heres the problem. You base your budget on your fixed expenses like rent, insurance, and utilities. But, what about those unexpected or variable expenses like a trip to the dentist, replacement of your broken iPhone, heat during colder months, the invitation to go on a last-minute weekend vacation, or gifts for birthdays or holidays?

If youve created a budget based on only your fixed month-to-month expenses, then its going to be a lot harder to save accordingly. Instead of saving money each month, youll actually be eating into your savings.

To successfully budget, you have to pay attention to trends and then reshuffle as needed. This way, youll have enough money to cover those unexpected or variable expenses without dipping into your savings. Remember, budgeting is a process. Dont expect to create a budget based on solely on one month. Track your spending over the course of a couple of months so that you can paint a more accurate picture.

2. Spending too much time on being frugal

Another way to save money each month is by being frugal. But, if youre spending more time on monitoring your budget, clipping coupons, or scouring the Internet for the best deal instead of enjoying your life, then its time to reevaluate the situation.

The purpose of saving is so that you have the money to take that family trip, make home improvements, or invest in new business. That doesnt mean that you eliminate the important things in life, such as spending time with your family, just for the sake of saving. By all means, be frugal but not when its consuming too much of your life.

3. Loyalty

When you think about saving money, you most likely think about reducing expenses like going out to dinner less often. But, when was the last time that you compared the rates and deals of your bank, insurance company, the Internet or cell phone provider? Theres a good chance that there are better options available. Switching your cell phone provider, for example, may not save you $250 alone per month, but you may find a plan thats $25 cheaper per month. Add that to your other saving methods and youll be on track to that $250 goal rather easily.

4. Youre uncomfortable

Being frugal doesnt mean that you have to sacrifice the things that you actually need or enjoy occasionally. It means that youre more cognizant of your spending so that you can make better financial decisions. It doesnt mean that you have to be uncomfortable and miserable by missing out on the things that you enjoy or need like that new mattress to replace your uncomfortable and torn-up mattress.

5. Buying on sale just because its on sale

Weve all been guilty of this. We purchase items just because theyre on sale. But, do you really need that new pair of jeans just because theyre 15% off? Instead of spending your money on the things that you dont need just because theyre sale, make a note of the what you do need and then wait for them to go on sale.If youre like most people, this adds up to be over $250 a month.

6. Cooking at home

Make no mistake about it. Cooking at home is definitely more affordable than eating out every night. But, what about the times that you want to make something that calls for ingredients that youll rarely use. Take Paella, for example. While its delicious, theres a chance that the saffron you purchased is going to go to waste.

When grocery shopping, try to think of meals that use similar ingredients so that nothing is going to waste. Another option would be to join something like Blue Apron or Sun Basket since they provide the right amount of ingredients needed for each recipe. Best of all? Plans start at around $10 per serving.

7. You cant let go

Do you have a house full of stuff that you never use but hold onto them because you might need that snow blower even though you live in Florida? Its time to let some of that clutter go. While I understand that you dont want to buy something if you already have it, take stock of the things that you know youll need.

If you keep accumulating stuff, youll potentially run into a situation where you need to rent storage space because you no longer have space in your home to store it. How is that going to help you save money each month?

8. Buying coupons youll never use

There are some incredible deals on Groupon or LivingSocial. But, are you really going to take that yoga class or eat at that new Italian restaurant outside of town before the voucher expires? If so, then purchase the voucher, but if youre uncertain, then skip the deal.

9. You jeopardize your safety

I dont enjoy throwing away food. However, Im not going to put myself or my family at risk by cooking dinner using expired ingredients. If something is bad, its better to chuck it then risk getting a bad case of food poisoning.

10. Signing up for a new credit card just for the rewards

In some instances, credit cards have perks like rewards, cashback on purchases, and 0% percent APR for balance transfers that make them worth considering. Before applying for that new card, review all of the fine print. This applies to businesses as well. The cost of annual fees and high-interest rates may not be worth those perks.

11. Cutting out all activities and socializing

One of the most expensive expenses youll incur is socializing and participating in activities. Instead of becoming a hermit and isolating yourself from your friends or family, make an exception here and there. If you go out for drinks or attend a concert on Friday night, then stay home on Saturday night. Youre still socializing, but youre also being responsible with your money.

12. You never indulge

Just like with socializing, its alright to indulge now and then. It can be used as a reward or help you experience new things. So, if youve brewed your own coffee at home all week, go ahead and stop by Starbucks on Friday morning. You earned it!

13. Youve taken DIY too far

Thanks to Pinterest and YouTube, weve been tricked into thinking that we can do anything from building furniture to repairing our cars. The problem is that this can lead us to potentially do more harm than good.

For example, changing the oil in your car may sound like a good idea, but by the time that you purchase the oil and filters, it may cost you more money than going to a mechanic. Even worse, if youve never changed the oil in your car and make a mistake youll now have an additional expense: paying a mechanic to repair the damage that youve done.

14. Cord-cutting

One of the most popular trends when it comes to saving money is through cord-cutting. The thing is its not for everyone. If you enjoy watching local sports or shows like Game of Thrones, you may end up paying more money each month since youre still paying for Internet service, a local TV package, and a premium channel subscription. Unless youre not a TV-watcher, cord-cutting may not be your best option.

15. Not calculating your retirement

Saving for your retirement is never a bad idea. Going into it blindly is, however. You wouldn’t purchase a car or home without knowing how much its going to cost you, right? In order to plan and save for your retirement, you need to first calculate how much youre going to need to set aside each month. NerdWallet has a handy retirement calculator that can help you get started on the right path.

16. Putting money into modest growth plans

One of the biggest mistakes that even the savviest savers make is putting money into modest growth plans, such as low APR savings accounts, CDs, bonds, mutual funds, or simple 401(k)s. Thanks to Fintech, your bank or financial adviser will be able to send you personalized investment recommendations so that you can get the most bang for your buck.

17. Not harnessing the power of Fintech

Speaking of Fintech, financial institutions are using this technology so that you can also automate investing and savings by adjusting your budget and notifying you of any changes in your accounts. You can receive customized financial advice through chatbots to make more informed financial decisions.

18. Avoiding cash

Theres a belief that if you have cash on-hand youll be tempted to spend it. The thing is if you only have $45 in your pocket, you cant spend more than that. However, if youre carrying plastic or a digital wallet downloaded onto your phone, you may be tempted to spend money on stuff that you dont really need. In the end, cash may be the better option to keep you financially disciplined.

19. Not automating your savings

Dedicating a percentage of your paycheck to your savings is a given. However, what happens when you place that echeck into your bank account? After your expenses have been paid, you may be tempted to spend that excess cash. To prevent that from happening, you should automate your savings where a small percentage of your paycheck is withdrawn and transferred to your savings account. This way, youre not spending that excess money since its already been placed into your savings account.

20. Buying cheap, not value

You may think that in order to save $250 a month you have to buy products or service that are the cheapest. Just remember, you get what you pay for. For example, if you need a new pair of sneakers and purchase a pair from a local dollar store, theyre probably not going to last as long as a quality pair of sneakers. Sure, spending over a hundred bucks on a pair of shoes may seem like a tough pill to swallow, but theyre more likely to last you several years.In other words, always go value over price. It will be worth it in the long-run.

21. Buying in bulk

Buying in bulk can be a smart move when it comes to items that you use frequently and wont spoil. For instance, household items like toothbrushes, toilet paper, or light bulbs are cheaper when bought in bulk. Food items are a different story. In fact, food waste costs between $1,365 to $2,275 per year for the average American household.When it comes to perishable items like food, buying bulk isnt always the most cost effective solution.

22. Linking your checking and savings accounts

Gone are the days having only one bank account. Today, there is a wide range of ebanking options for your specific needs. For example, you could use one bank for your main checking account because you arent charged any maintenance or minimum balance fees. However, there could be another bank that has a higher interest rate on saving accounts. By separating these two accounts youre not only avoiding fees and getting a better return, but youre also preventing the chances of spending the money that you’ve set aside for that emergency fund or savings plan.

23. Assuming theres a quick fix

When you start saving you first look at reducing your spending. Chances are that reducing your trips to Starbucks or changing your cell phone plan arent enough to add up to $250 in savings each month. After that, you make another cut, then another, and then another until you’ve reached your goal.

The point is when it comes to saving, there aren’t just one or two quick fixes. Its a process that takes time.

24. Focusing on saving while considering how to also make more money

Income is arguably the most important factor when it comes to saving. If youre living paycheck-to-paycheck, then how can you put aside a couple hundred of dollars each month? Reducing the amount of money that you spend each month is only part of the solution. The other part is having additional income that can be placed into your savings account.

Thankfully, there are hundreds of ways for you to make some extra cash on the side even if you have a full-time job. Here and there, working some evenings or weekends can help you easily hit that extra $250 per month and maybe even more!

25. Saving solely for needs

Most financial advisers suggest that you save for needs like a new car, health emergency, or college education. While thats sound advice, when you only save for your needs, you tend to get frustrated and resentful of the entire saving process.Instead, set aside some of your savings for something fun, such as a dream vacation or new TV. You earned that money, so make sure that you enjoy from time-to-time and reward yourself for becoming more fiscally responsible.

John Rampton is serial entrepreneur who now focuses on helping people to build amazing products and services that scale. He is founder of the online payments company Due. He was recently named #2 on Top 50 Online Influencers in the World by Entrepreneur Magazine. Time Magazine recognized John as a motivational speaker that helps people find a “Sense of Meaning” in their lives. He currently advises several companies in the bay area.

John Rampton

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