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#theres this one other instance from when i was like 8 where a shoe was randomly like. kicked out from under my bed
bugmin · 8 months
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i remember one night when i was like 13 i n i thought somebody was shaking me awake which scared me in its own right coz i have never been woken up in the night and something good happened next but then i realized that my entire bedframe was shaking and like with a noticable force. nothing else was moving and my cat was also nowhere in the room to explain it. when i tell u i was soooooooooo mfing scared i wanted to scream for my mommy but was genuinely too baffled by what was happenign to even speak. i just sat up and waited to die but then it just stopped. there wasnt an earthquake and nothing like that ever happened again so idk i guess i kinda do believe in ghosts. since u asked
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Side Track Opinions Part 4: Patton
(Only three boys left! I think Patton may be the side who I’ve seen the least analysis about with regards to his playlist, so I’m excited to look a bit deeper)
1) Campfire Song Song: I don’t think the lyrics are very deep with this one 😂 You’ll find that a lot of Pattons songs talk about growing up, so I just find it fitting that a childhood song that probably brought Thomas a lot of joy is Patton’s first song.
2) Turnaround: Both Patton and Logan have songs from The Little Prince on their playlists, so my mind instantly goes to Logan. The song feels like Patton trying to get Logan out of his own head (““Straight (Straight), how can you be so straight? Life is everything but straight (Straight)” “Now, why don't you sing out loud? The tune you keep inside?”) He loves Logan a lot and thinks that sometimes he takes life too seriously and doesnt have enough fun (“Turnaround, and put your pen down”). Patton wishes Logan would relax and just enjoy life sometimes because he worries that taking everything so serious can be harmful (“How can you be so shy?” “Don't say hello, say hi”).
3) I Got a Name: Patton has trouble with Thomas growing up, we know this from the most recent episode. He worries that life is moving too fast and that he doesn’t know how to handle the change (“Movin' ahead so life won't pass me by”). Despite this, he has so many memories of Thomas’ childhood and he holds them very close to his heart (“I've got a song, I've got a song, And I carry it with me and I sing it loud. If it gets me nowhere, I'll go there proud”). Even though he cherishes these memories, he still thinks hes foolish to dwell on them and doubts he will ever be able to get over those memories (“Like the fool I am and I'll always be” “They can change their minds but they can't change me”).
4) Oranges: This song bothers me... Not in the fact that it’s a bad song or that its hard to understand, but it goes against everything we canonically know about Patton. While on first glance its a silly song about the words oranges and chocolates not rhyming with anything, its deeper meaning is actually more so about hiding away ideas and being afraid to make use of them (“How we take our ideas and put them in storage, But peel back the rind, who knows what you'll find”). If the song is supposed to be conveying Patton’s emotions, then I’m just confused. This song makes me feel like he wants to try out all of Thomas’ ideas and love every part of him, but we’ve seen his distaste for Remus is very obvious (“If you don't open a chocolate, who knows what you get”). I’m still on the train that Patton is the reason creativity split in the first place, so him saying things like these just make absolutely no sense...
5) I Don’t Wanna Pray: Although Patton takes religion very seriously and bases a lot of his morals on his faith, he has some doubts about whether religion can be the answer to everything (“Help me to the sun, hey I'm looking everywhere” “And now I don't wanna pray, no I say I don't wanna pray, no”). Patton has also begun to realize that God has created everything in the world, not just good and love, but also hate and pain (“I love my god, god made love. I love my god, god made good. I love my god, god made hate. I love my god, god made bad”). Perhaps this is shows his willingness to start accepting the darker parts of Thomas.
6) New Soul: Oh this is such a Patton song... Of course theres the obvious: Patton is Thomas’ inner child and encompases a lot of those feelings from Thomas’ youth. He hasn’t quite figured out how to function in Thomas’ more serious, adult life (“See I'm a young soul in this very strange world”). Then there’s lines like “Hoping I could learn a bit 'bout how to give and take” and “Finding myself making every possible mistake” that just feel so Pattony. He’s so lost and confused anymore when it comes to guiding Thomas in the right direction, but he tries his best. We can see that in the newest episode with him trying his less ‘assertive’ guidance. Despite this, he knows that he messes up all of the time and he feels awful for it. Everytime I listen to this song I just think of the “I’m sorry.... Again!...” line from POF.
7) Better Together: Oof... This is a tough one because its so loving and sweet. I find it hard imagining Patton singing to only one person, so I just like imagining him singing to Thomas, Roman, Virgil, and Logan. Patton, as we know, cherishes all of the memories that Thomas has created and that all of them have created together (“Our dreams, and they are made out of real things. Like a shoe box of photographs” “And all of these moments Just might find their way into my dreams tonight” “I believe in memories”). I also though it was super interesting that the song mentions “sepia-toned loving” because Patton’s room has a sepia affect when we see it in Moving On and I think this Patton’s nostalgia and this song go together very well.
8) Vienna: This song is so sad, but so sweet... To me, it’s pretty clear that Patton is singing to Roman (and obviously Thomas as well). He worries that Roman dreams too big and works way too hard in an attempt to acheive those dreams (“Slow down, you crazy child. You're so ambitious for a juvenile” “You've got your passion, you've got your pride, But don't you know that only fools are satisfied?” “Dream on, but don't imagine they'll all come true”). Patton wishes that Roman would be able to relax and just enjoy what he already has because he knows that Roman will only burn himself out in his attempt to accomplish everything he wants to (“Where's the fire, what's the hurry about? You'd better cool it off before you burn it out” “You're so ahead of yourself that you forgot what you need”). Basically, Patton loves Roman, but worries that some of his dreams are impossible to reach and that is hurting Thomas.
9) It’s You I Like: This song is for sure about Virgil or Thomas. I’m leaning more towards Virgil because the next song is also about Virgil. Really all I have to say is that the title says it all. Patton is ready to accept Virgil for who he is, problems and all.
10) Little Shadow: THIS SONG IS IMPORTANT! Patton is the one who brought Virgil out from the dark sides, or at least convinced him to leave for good (“Little shadow, to the night, will you follow me?”). I think this could be a big reason why Janus and Virgil have a lot of bad blood. Janus used to be Virgil’s source of comfort and protection, but one day Patton just decided to fill in that role and do it arguably better? I’d be pretty butt-hurt if I was Janus too. That explains why Janus was honestly such a jerk to Patton up until the end of the most recent episode when Patton accepted him. I think Janus realized just what Virgil must have felt like way back when Patton accepted him. Janus realized that he wasn’t good for Virgil like Patton is and that had to have stung... I guess we’ll see what happens between those two in the future...
11) Sad: What do yah know? Another Virgil song! This one was actually confirmed by Thomas to be about Virgil so that makes it easier to analyze for me 😂. Patton wants to help Virgil get over his pain and history with the dark sides, but he doubt if anything he does is helping (“You're just too good at being sad. I'm just a Band-Aid on a broken heart. Yeah, I'm the best at making you laugh for a breath, and you're back in your head, you're so sad” “Don't know if I'm hurting or helping” “All I wanna do is take the sad from you, But I can't and you wouldn't let me anyways”). It’s sad, its sweet, its very Patton.
12) Oh Heart: Thomas has a crush! Basically this whole song is Thomas singing about being in love with someone and him begging Patton, or his heart, not to make a fool out of him. I imagine Patton get’s really confused and jumbled up whenever Thomas is in love because love can do that to a person! It’s really cute and I honestly overlooked this song on my first couple of listens through the playlist. Here’s just some cute lines I liked: “Who am I kidding? You're the one” “Oh heart, Oh Heart, stop making a fool of me” “You should look at me. Look at me!” “I'm going to make you laugh again”. With this song and Jumpstarted from Roman’s playlist, I’m starting to see just how hard to handle Roman and Patton may be whenever Thomas has a crush 😂
13) The Flame: This one seems really deep, but for the life of me I cannot crack it. To me it just feels like Patton telling Thomas that no matter how dark things get, he can always look to his heart for the answer (“But hold on for your heart to beat inside To be your guide”). I honestly get really creepy vibes from this song. Like Patton is trying to get Thomas to ignore all of the dark parts of him and instead just keep listening to him and him alone (“There will be times that grow darker with the dusk, But light will still remain in us”). This song is just interesting to me because it feels like one of the first instances where Patton believes he has all of the answers and doesn’t need the others help. But truly, I’m not sure what this song is about.
14) Landslide: Did someone say time to cry? Cause it’s time to cry! This is a PERFECT song for the ending of POF where Patton admits to being afraid of growing up and changing. I think this song is Patton singing to Thomas about these exact fears (“Can the child within my heart rise above? Can I sail through the changin' ocean tides? Can I handle the seasons of my life?” “Well, I've been 'fraid of changin' 'Cause I've built my life around you, But time makes you bolder, Even children get older, And I'm gettin' older, too”). It’s honestly like this song was just written for Patton and it makes me wanna cry every time I hear it.
15) Float On: One word... REPRESSION! Not much to say other than Patton ignores all the bad things that happen to Thomas and just tries to act like everything is okay. Not a very good thing to do, but very on brand for Patton.
16) With a Little Help From my Friends: Another song that I hate to take at face value, but I don’t really have any other ideas for what it means. Whenever Patton is feeling down or in a slump, he looks to the others for comfort and support. Think, Logan giving Patton the cat hoodie at the end of Moving On. Those are the kinds of vibes I get from this song.
17) What Makes the World: (edited because I was looking at the wrong lyrics) Basically Patton thinks that love is the answer to everything (“Love makes the world go 'round”). No matter what, no matter how dangerous or serious a situation is, you should always trust your heart (“Oh, I heard to turn away a neighbour, Is living without danger, But that ain’t so”). All in all, Patton has a very unrealistic view of society. He tends to always see the good in people which can be a bad thing sometimes.
18) Somewhere Over the Rainbow: You thought the last song was foolishly optimistic... well youre in for a shocker with this one! Patton basically just goes on and on about how great the world is. I’m honestly starting to wonder if Patton is even capable of criticizing the world and the people in it. It seems like the only thing he can criticize is Thomas. Also, like I said in the last song, I think this creates an interesting dynamic between Patton and Janus: One loves the world world and only ever sees the good in everyone while the other despises it and sees the bad in everything.
19) Golden Slumbers: I feel like this one is way too short to get a huge idea on what it’s about. It seems to me like Patton is just comforting Thomas and reasuring him that things will be okay, despite the changes that are happening in his life.
20) So Long: AHHHH THIS SONG IS SO CUTE! It’s very fitting as Patton’s last song as well, based on the events of the last episode. If you can come up with an argument that convinces me that this song isn’t about Janus, be my guest, but it’ll be hard to do. In the song Patton basically sings about how Janus can be a pain in the butt and really get to him, but they work well as a team and he wants them to stay together as a team (“I won't get too sappy, I had no epiphany, I just enjoy your company” “You test my nerves, It makes me stronger. So can you bother me a little bit longer?” “Because it's been so long since I made a friend like you” “I could dot the I's and you could cross the T's, Cause letters alone are lonely”). Basically I love them, they are great, they are best friends now, and that after credit scene still has me shook over how quickly they just became friends. We stan our divorced dads 💙💛
(Sorry this took so long guys! I’ve been procrastinating! Let me know what you think 💙)
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petescripts · 5 years
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in drafting a guide to mental health patient experience dissociations
one of the buggy components of mental health travels is the dissociations of experience ..really common example, feeling like you've fallen under the freeloader consumer nothing trip, wanting to be of service more than anything, but in process of getting there  ...often i think the process of mental gathering falls into the perception of active laziness..
have been thinking about the quirks of travels in mental health recovery a lot recently , ..there are a lot of dimensions that aren't a part of general awareness , especially with the component of chemical experience  ..so kind of working on a guide concept of sorts to help fill some of the gaps (& looking to make this an interactive collaboration piece)
some points-
-societal ins & outs , experience alone in being sidelined , implications of repeated experiences of such & effect on timeline and life connections
-chemical experiences , dissociations can arise even in inpatient settings where one may just be coming off of an 8-12 hour chemical straight jacket experience through the voids of conscious experience and get the "where the hell are they at?"s
     -these combinic dimensions upon reentry to society where its just another day, ..maybe a couple weeks or months gone by, but time is no longer an applicable dimension of measurement in experience , which actually becomes a thing in general relatence department-medication side-effects (potentials from anxiety/akathesia/depression/suicidality to weight gain, sexual dysfunction, gynecomastia, diabetes)
-criminalization complex "they must be up to no good"
-general social implication complex "just stay away from them"
         -catch-22 , isolation = recidivism [...-rentacuddle - https://youtu.be/D1f5lE_j_bU (piece on professional cuddlers) ]
-frustrations via the dissociations with the metabolization or lack-there-of , of ones experience ("putting self in others shoes") that wind up turning any patient into hitler at a board meeting during the fall (which upon recidivisms can become a staple of ones identity ...personally fpr instance, insult trips are my least favorite trips. , sometimes its just the function at hand in breaking up autonomous function in practicioner naturally dissociated from autonomy & autonomous aeffect via being caught up in the "keeping the walls up amidst all the schizophrenia of the sector".  ..or can be just honest nerve reflex upon these dissociations of metabolization of ones current situation.. ...insults=beep beep  ...mental health/nhl analogy, line up shake hands later ..not deemance, rather plea to take a step back) 
            -inpatient interventions catch-22 , later implications e.g. restraint - theres no fix-all answers here, maybe an integration of scooby snacks will help in minimizing situationional arisals? , ..theta rooms? ..just sometimes post-interventions theres the .. "oh, so its like that." ...again its a catch-22, sometimes it definitely does have to be done. ...maybe some scooby snacks in post-intervened could help as well , ...scooby snack in theta room...
                        -its much more common for a mental health patient to receive flack in intervention than credit in intervention ...which often leads to later flack interventions & when someone else breaks in society somewhere with some weak ass dumb ass shit (like mass shootings, etc), it adds weight to those already with a load on their backs.
-PTSD "world against syndrome"  
     -even with macro reassurance, micro components
      -dissociations of cause & effects over time heading to i don’t even                  know”s , &/or "demons" 
-sometimes high cortisol levels upon reentry to society - increased vulnerability to reaction to otherwise benign stimuli
        -general abstract travels that can lead to peaking anxiety levels at something like a coffee shop
tbc in collaboration
general rule of thumb, for everything ...assumptions are no good. cite: humpty dumpty
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trendingnewsb · 7 years
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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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trendingnewsb · 7 years
Text
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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