Sometimes the small, unseemly, unimportant tasks we do every day can have a massive impact on our lives for the better. We call these “life hacks”. In this article, we’re walking through the top ten most powerful life hacks that can change your life. If you’re looking to bring your life together and don’t know where to start, take the time to read this article. It’s crazy where these small steps can lead you in three to five years.
1. 15 Minutes of Sun Every Morning
Get sunlight in your eyes every morning. Sunlight offers many benefits, including but not limited to setting your circadian rhythm, priming your brain to be alert and focused, and giving your body Vitamin D. It also enhances metabolism and immune functionality. After doing it regularly, watch this transform your overall mood, well-being, and even your ability to sleep.
2. Daily Meditation
So many of our problems come because we cannot sit by ourselves, alone with our thoughts, for even thirty minutes. Our society is filled with cheap dopamine, constant notifications, and screens everywhere we look. Take time to slow down and be present.
Meditation has already been demonstrated to reduce stress and enhance mental clarity. Meditation might be what you require if you’re grappling with burnout and finding that your performance has declined.
3. Surround yourself with optimists
Optimists are like the light in your life that you look for when you’re currently in the dark part of your life. Surround yourself with people who bring positive influence. You are the average of the five individuals you invest the most time with. Ensure that each of these five individuals can drive you toward your goals. Ultimately, exercise careful discretion in selecting those you allocate your time to. It’s effortless to draw in negative companions during personal struggle and despondency. However, true allies will aid you in rediscovering a positive trajectory once more.
4. Practice Gratitude
Gratitude is a key ingredient for living a fulfilling life. Gratitude helps people feel more positive emotions, build strong relationships, and improve their health. Take five minutes per day to write down five things you’re grateful for. Practicing gratitude also reminds you of all that you have: your friends, positive relationships, and good moments throughout the day.
5. Ask for Advice
Don’t underestimate the power of a mentor. Epictetus mentored Marcus Aurelius. Jobs mentored Zuckerberg. Buffet mentored Gates. Seek advice from people two to three steps ahead of you. You can access their lifetime of wisdom in two to three years. While reading self-help books helps, having access to a mentor is on another level.
6. Journal Every Day
Writing is essential to unleashing your creative potential. Writing or journaling daily builds discipline and allows you to organize your thinking. It also improves your vocabulary and communication skills. Mastering this skill will lead to success in the modern economy.
7. Invest in Yourself
We spend eight hours a day working for someone else, but many of us won’t take 30 minutes to work on ourselves. Invest in yourself through reading, exercising, and learning a new skill. Just 30 minutes a day can change your life.
8. Read Good Books
The most successful people in the world have one thing in common: they love to read. Read about things that interest you. Re-read your favorite books. Read every day. An hour a day of reading puts you at the top .01% of people.
9. Take a Cold Shower
A three-minute cold shower will provide benefits that last the rest of the day, like raising your ability to handle stress. Taking a cold shower increases dopamine, boosts metabolism, and burns brown fat, so anything else you have to do afterward will seem easy.
10. Set a Bedtime Alarm
After this alarm goes off, allow your mind to relax. Turn off all your devices. Take a warm shower or bath. Read your favorite fiction book. Setting yourself up for success the next day starts the night before.
Source: Reddit.
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Several big movies with significant nightmare productions have some seriously delicious tea. After a recent poll on the internet, here are twenty-five films with disasters that made filming difficult.
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Do you ever wish you knew the secrets to attract wealth because your 9 to 5 isn’t paying the bills very well? You’re not alone! Today, we’ll talk about the 11 secret life hacks that rich people are doing to make gaining wealth easier.
We’ve compiled the best answers from Reddit, so you don’t have to do it yourself. Read this blog and shift your mindset with these lessons from the wealthy.
1. Organize Everything
If you’re familiar with Marie Kondo, she specifically emphasizes that organizing and decluttering will have a huge impact our lives. It turns out that’s one of the life hacks of truly rich people.
One person said, “Allow me to ramble passionately about a hack of small consequence. Something I noticed about all the rich people’s houses is they have storage containers everywhere. The pantry isn’t piles of groceries shoved inside, it’s all in tidy bins, often matching, sometimes labeled. Their closets have shelves and drawers, not a single pole to hang items. Under their sinks are multiple bins and containers, sometimes on a pullout shelf/drawer. Their spices are ALL on racks, not just the few that fit in a singular rack with the rest piled on top or haphazardly in an adjacent cabinet.
“Their jewelry is organized like a utensil drawer and not shoved in a single box. There are trays or giant bowls by every entry door to toss your mail and keys instead of cluttering every flat surface. Imagine how much calmer your brain would be if you didn’t have to hunt through what feels like a disorganized garage sale everywhere you turn. You don’t have to bend over to rife through objects, you can bring a bin to you.
“I’m just a povvo, but I started ramping up my organizational game and it’s made a subtle but impactful difference in my daily life. Started with matching-sized Amazon boxes in the pantry and Dollar Tree fabric collapsible boxes for toiletries under the sinks and the closet floors, and built up from there. I’ve been slowly converting all my bathroom and kitchen shelves to pull-out drawers (this one is expensive).”
2. Buying in Bulk
This life hack may not be applicable to every body because, in order to save a lot of money on purchases, particularly groceries, you must have the money to shell out first.
One user shared, “Rich people can afford to save money on purchases if they want. I guess if you are rich and don’t care about saving $ it doesn’t apply to you, but it’s definitely a big benefit if you’re a frugal rich person. If that makes sense. A small tiny example. Most would categorize me as wealthy. I buy high-end groceries but aim to do it for as cheap as possible. When our Whole Foods has a sale on our favorite frozen pizzas, normally $12.99 and on sale for $7.99, I buy 10 of them and load up my deep freezer. The fact that I was able to save $50 is only possible because 1) I have enough money to shell out $80 for the upfront cost on the pizzas, and 2) I have a deep freezer to store it in. Neither of those things would be possible without money.”
3. Semi-Permanent Cosmetics
Beauty, in whatever form, is expensive—and only the rich don’t think twice about spending such a huge amount on beautifying themselves or their surroundings.
“…I think a lot of beauty at that level is faked, just like the lawns are faked. Spray tans, teeth caps, really expensive hair extensions and plugs, professional makeup, tailoring, even surgery, etc. etc. I was shocked when I learned about caps for teeth. I didn’t even know that was a thing. Feels like a total cheat code. Can even avoid the expense and discomfort of braces. There are a lot of beauty ‘hacks’ that are not accessible unless you have $$$,” someone shared.
4. Hacking Expensive Purchases
One person commented, “I’ve worked for a rich family and learned a couple hacks. Everyone else is correct. They just hire things out. If you’re genuinely curious, then I’ll share two things I learned in my job that are specific to the wealthy lifestyle. First, moths love real cashmere so you have to keep cedar in your closets to keep them away from eating your sweaters. Second, if you are flying private and only medium-wealthy not truly a fan of throwing money down the drain unnecessarily, it is actually more affordable to ship your luggage via UPS than pay for the additional fuel it will take to carry it in the plane with you.”
Another one shared, “I knew a lady who was, let’s just say she was in a different tax bracket. She and her late husband never took a road trip. They flew everywhere. He was a pilot, and they owned their own plane. They would fly somewhere, and if she ran out of clean clothes, she would just buy more. She’d ship her dirty clothes back home, and the maid would have everything dry-cleaned by the time the lady got back. I can’t imagine how many clothes this lady had. Or maybe she donated them on a regular basis?”
5. Networking
We’re familiar with networking, but it really is one of the life hacks that truly rich people are doing. They leverage the people they know who are also rich and powerful, and that’s what makes them too.
One person shared, “Networking. Powerful people have a large network of connections to get what they want. If you aren’t going out of your way to build ties with people who have things you want like wealth or power, the alternative is working very hard and hoping you get noticed—which doesn’t work most of the time because, unfortunately, the meritocracy is a lie. Learn to meet people and maintain professional connections, not just friendships. And no modesty, that’s a killer.”
The second person replied, “The best network—Politicians, Thieves, Police, Money Laundering—Mafia. Exist all around.”
6. Know What’s Worth Your Time
“When you are good at what you do to make money, you hire pros to do things that you need and get them properly done. That’s classic economics of the division of labor. You focus on what you do well and make more money. That’s the opposite of downward spiral. The concrete example is that I unblock my toilets and fix leaks. I also change my engine oil. Because it’s cheaper for me to do it. If my pay rate is higher than the pros, if course I’ll hire someone. That saves me money,” one person said.
“Sure… but I kind of hate how many people try to apply this to a typical salary worker. No one is gonna pay me to work overtime on a Saturday at my hourly rate (and I don’t want to), and it’s easier to work on a house project for a few hours than find a 2nd job. Many people point to your example, but they either don’t have time for projects cause they work 60 hours a week or prefer to use their disposable income and do something else with their free time. They are not financial wizards, they just make other choices based on circumstances, and that is fine,” argued another commenter.
Another user added, “Yeah, not every minute of my day is monetize-able. Someone once said Bill Gates is so rich that he loses money if he stops to pick up a penny in the street. No, he doesn’t. He didn’t cease to earn money for doing it. Rich people hire others to change their oil because it gives them back time for leisure.”
7. Buy Quality the First Time
One person said, “I was taught to always buy the best of anything I can the first time so I don’t waste my time, money, or efforts on junk. That bled over into everything. Relationships. Experiences. It becomes a mindset and lifestyle. I think that’s what you’re seeing when you look at that neighborhood.”
Another one replied, “This right here. If you want to buy a new piece of furniture, TV, car, etc… Buy nice things and buy quality. It’ll last for years and years. Also, pay cash. Don’t bother financing it. That’s just more wasted money.”
Another user quipped, “Buy once, cry once.”
8. Weigh your Options
“Not really a hack but spending dollars so they count. If there’s a gym that’s $50 a month but is 20 mins away and they’ll only go once a week, and there’s one 2 mins away that’s $200 but they’ll go every day, spend the extra money. The $50 option is a waste. This can be applied in many circumstances,” one person shared.
9. Elegant Appearance
One person shared their experience while working with truly rich people, “A few things I’ve noticed when working for wealthy people. They look rich even in casual clothes because they get everything tailored, even simple white shirts and jeans so they look expensive even when they aren’t.
“A lot of accessories like shoes, bags and jewelry are custom made which can be a better option if you’re going to spend a lot on designer brands anyway, and they will be unique. They don’t just go to the gym, they have a personal trainer who focuses on that toned without being too muscular look, so they look naturally hot without trying.
“Getting blow dry right before an event makes you look polished. I worked for a woman who never washed her own hair, and she always looked amazing. I saw people spend a lot of money on wardrobe staples like jackets and classics, but they would only buy high street seasonal pieces to keep them in style.
“They sell designer pieces to concession stores after wearing them a few times and basically get 50-80% of the cost back depending on the designer. Having lunch at a Michelin-star restaraunt can be slightly more affordable than dinner but you still get the experience. Having drinks at the restaurant bar so you can be ‘seen’ and mingle but don’t have to buy dinner. Going to clubs and events on weekdays means you are more likely to get in, get a table/ticket and it can be less expensive.”
10. Excellent “Talkers”
One person shared, “When I was doing my first startup I saw ‘new money’ people. In school I saw ‘old money’ people. There are all types of rich people and these types have their own ways. They do live in the same areas though. They recognize each other by their watch, type of clothes and behavior. And you can see if they are new rich, old rich, dem or rep by these things too. Their kids go to an endless amount of extracurricular activities. Here it is hockey and tennis, sometimes baseball. The parents do it so their kids build their network (I mean 5year olds).
“Rich people have some skills, but the main skill is talking. They are great at talking. It used to put me off. So and so became the director of yadayada. Why? The only thing he can do is talk. And that is precisely the point. They don’t get so stressed. They just talk for a living. Everything comes from their network. People like listening to their stories. But they cannot do anything of value other than talking. They hire people for that. Duh. Don’t be apologetic. Don’t do stuff worth 10$ an hour if you can make more. Do lots of self-care. And be a professional talker. Listen to people, look at their behavior and clothing, and copy that in your own way.”
Someone added, “I agree with this comment but will extend it further. You call it ‘just talking’ to anyone that will listen, but what they really are doing is ‘selling.’ They are selling their latest ideas, pitches, schemes, problems, solutions, whatever, etc. And their audience (other rich people) love to talk too, so the audience then adds on to those ideas, sometimes with money or introductions to other people with money. And it snowballs because of the network effect.”
11. Etiquette and Mannerisms
“You have a lot of time for personal maintenance and improvement if you don’t have to worry about cooking dinner or doing laundry. Some things, like good etiquette, are made very important from a very young age (hence the napkin folding, knowing what course to use which fork, how to properly address folks in a formal setting, etc) it’s a social code that helps identify who is and who isn’t,” one person stated.
Another one added in agreement, “Exactly. It’s very subtle and says a great deal.”
Source: Reddit.
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Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.
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We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.
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There are many lies that we’ve come to believe since we were young. Whether we inferred them from our circumstances, or they were touted as true in a classroom or online, it’s easy to hold these misconceptions if they’re not being challenged. And while some lies seem to do us no harm, we should still investigate to find the truth wherever we can. Do you know any lies that you used to think are true? Well, here are some other stupid lies that the world needs to stop believing.
1. Farmers Cause Inflation
It might be believable that farmers are causing inflation, but that’s just not the case. Farmers are often subsidized by the government; all they’re doing is trying to keep their farms afloat, and produce the food that America eats. Inflation is much more affected by the government itself, as it pumps new money into the economy trying to help struggling families, but only driving up the prices we all have to contend with. So, thank a farmer, and vote carefully!
2. The Food Pyramid is Healthy
The food pyramid was initially introduced as a way of fending off starvation. In a place where food is scarce, grains are the easiest to preserve and the fastest source of energy. Fruits and veggies are next easiest to save, and meat is quite volatile unless it’s frozen or smoked, etc. But after it was developed, the US adopted it as a dietary guideline to help eat up all the grains that were being produced in America. Since then, our whole way of eating has shifted around the food pyramid. Now it’s time to shift it back! Veggies and fruits should be at the base, with proteins and complex carbohydrates next, healthy fats should be after that, and sweets still at the very top. Now you know!
3. You Can’t be Both Emotional and Logical
A lot of people underestimate the role of our emotions in our decision-making ability. If we don’t value or feel emotional about anything, then our decisions are going to be pretty cold and maybe even cruel. Yes, it’s best not to make major decisions while you’re overwhelmed with feelings, but emotions are also major indicators of the ways that events in our lives are affecting us. When we express emotions well, we can work through them to make very logical conclusions, and even more, if we use our emotions as signals to let us know when something is right or wrong in our circumstances, we can act very logically to change what’s happening. So you can enjoy your emotions and your logical thinking all at once!
4. Company Loyalty to Employees
Companies like to say they’ll reward hard work and team involvement, but really the best most of us get is casual Fridays, or the occasional pizza party. There are some good companies out there, but they’re few and far between. Most corporations, especially the large ones, just treat employees as completely replaceable parts to an overworked machine. It’s great to work hard for a promotion or special recognition, but we also advocate for work-life balance, and don’t really recommend giving extra hours of your day to a company that doesn’t appreciate you.
5. Pharmaceutical Companies are Trying to Help
One commenter said, “Well, they try to help us, when it benefits them. Dead people don’t have prescriptions, so obviously they want to keep people alive so they can continue to rip them off. As soon as the costs of saving them outweigh the potential profits, they [stop caring].”
Another user added, “The government and university run labs that have scientists who do rigorous research and create life saving medications are trying to help us. The pharmaceutical companies that snatch up their technology are leeches on society.”
6. Mental Illness Isn’t Real
One person said, “Yup there’s a whole chuck of Christianity that’s like ‘if you just pray hard enough!’ Or ‘it’s a spiritual problem, not a mental health problem.’”
Another commenter said, “‘You should just stop being depressed,’ or ‘You just need to smile more,’ or ‘Just stop worrying about it,’ are the dumbest advice you could give to someone who struggles with their mental health, yet there’s always some idiot there to give you that advice.”
7. You Can Work Your Way to the Top 1%
“To 20%? Sure… Top 10%? Maybe… Top 1%? It’s going to take a lot of luck, and you probably need to be born on at least second base (but third base is preferred),” one user commented.
Another added, “Are we talking globally or in a certain country? Most Americans can get within the top 1 percent globally with an entry-level job.”
8. We Only Use 10% of Our Brain
One Redditor said, “This was debunked so long ago, I can’t believe some people still believe it, lol.”
A second person replied, “The people that still believe it only use 10% of their brains.”
Another user added, “I’ve heard it at work a few times in the past few years, and the people saying it are very insistent that they’re right. It’s still a thing.”
9. You Need a College Degree
“You need a college degree to become successful. The reality is if they go to a trade school such as plumbing, HVAC, etc., that’s where the money is,” one user stated.
“Totally agree there. My husband has absolutely no education beyond high school and is very successful. I have a college degree, and other than helping him with his businesses, I don’t really work,” the second one replied.
10. The Economy Must Grow
One Reddit user said, “Yeah… it really feels like this weird religion that we’re all supposed to believe in, nevermind how much damage it causes.”
Another person replied, “Exactly. GDP is not a good indicator of human health or happiness in a country, as we run out of natural resources and jam everyone into townhouses they cannot afford while destroying the earth. There are other indicators like HDI, GPI, etc. that we should pay more attention to than GDP.”
11. The Subject of Your Degree Doesn’t Matter
One user commented, “I wish someone had told me this before I got my BA in anthropology. I spent a decade using bs explanations as to how it was relevant to anything.”
Another person said, “For Boomers, this was kinda-sorta true. But stopped being the case some 40+ years ago,” someone replied.
Source: this Reddit thread.
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This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
The ripple effect of a financial mindset can be seen in every aspect of your life.
Think about it: If you are not mindful of how you spend and save money, then you will be in a constant struggle each and every month.
If you are simply someone who is struggling to make ends meet, there are many things we can do to save money. If you are trying desperately to reach financial freedom sooner, then you need these best money hacks to make it happen sooner.
Around here at Money Bliss, we spend a lot of time on our money mindset and setting goals.
Everyone is in a different season with their finances.
But, one thing is true… Most of us never learned proper money management.
Do you find yourself in a constant cycle of financial struggle? Do you feel like you are constantly trying to live up to unrealistic standards?
It is easy for people to feel that they are constantly broke, and in some cases this is true. But, it is also important to remember that there are ways in which you can make more money and start saving for your future.
Since changing money habits does not always come easy and often requires some serious changes in our mindset, we are here to support you to find the top money hacks.
Read on as we share 50+ ways you can start saving more money as well as making more money while also saving your sanity!
What are Money Hacks?
Money hacks are the ways in which people stretch their money.
These money hacks can come from a variety of sources, such as personal experience, family members or friends, and other individuals on social media.
Money hacks can come in many forms such as:
Simple money saving hacks
Ways to make money on the side
Strategies to make every dollar count
Thrifty ideas to be more frugal
Ideas to be more conscious of our waste
All in all, money hacks will help you to spend less money. Thus, saving more money.
As you will learn at Money Bliss, saving money opens up doors of opportunities
Best Money Hacks
Money hacks are ways to build long-term wealth.
Even though most of the hacks for money include quick saving wins, over the long term, you will actually start a snowball effect of more money in your bank account.
Sometimes, it can be difficult to find the motivation to save money, but these 7 best real money hacks will help you reset your financial mindset and start saving!
The best money hacks are the overarching big picture concepts that you must master for long-term success.
1. Think Big
Open up your mind.
One way to reset your financial mindset is by opening yourself up to new ways of thinking about spending and saving.
Too often, we are focused on what is directly in front of us instead of thinking about the big picture.
A great way to think big with your finances is to decide how you want to live life with intention.
2. Habit of Saving Money
Get back in the habit of saving.
If you have been beyond your means or barely scraping by, the best way to get back on track is by saving at least 20% of your income.
This may seem a little ludicrous. However, by prioritizing saving first, you will be pleasantly surprised how well you live off the rest.
In this post, there will be so many simple and easy ways to start saving today.
3. Make a Plan for Your Money
Create a spending plan (aka that dreaded word budget).
Creating an outline for what you want and need will help you to make smarter decisions about your spending.
This concept has been made too difficult over the years.
The bottom line is you want to spend less than you make. So, make a plan for that to happen today.
4. Make Money on the Side
This one is huge!
Personally, making extra money has been a priority for the last 5 years. We spent many years trying to cut our expenses and hating our inability to actually spend less as a growing family. So, we changed our focus to finding ways to make more money instead.
Start a side hustle. If you are not making enough to live comfortably, start a side hustle! Use your unique skill set to make extra cash.
Pick up a second job or ask for more hours.
There are plenty of ways to make money fast.
5. Invest in Stock Market
This means a way to make money or increase your net worth. AKA make your money work for you.
Too many times, the concept of investing is big and scary. The thought of starting is way too overwhelming. So you put it off until next week or next month. Then, a couple of years go by and you have not invested your money.
That is the biggest financial mistake you can make.
Start small by investing in an index fund. Each month consistently add more money.
If you want to learn to trade stocks, then you must enroll in the best investing course I have found.
Read my in-depth investing course review.
6. Pay Off Debt
Ugh… debt is the cash flow killer.
You are unable to make forward progress if you are straddled by debt.
Figure out how to pay off debt ASAP.
When calculating how long it will take to pay off high-interest debt, you should consider paying the highest interest rate first. Here is the best debt payoff app available.
7. Watch Your Spending
Be mindful of your spending.
This is a great practice that many people need to start doing again, regardless of how much money or how little money they have.
Every few months, you need to evaluate your spending to see if it matches up with your values.
As you can imagine there are many money hacks that can help you save, but the list above is the money hacks that will make the biggest difference the quickest. Below we have many more money hacks for you to explore.
Hacks for Saving Money
Money app hacks are small, quick, and easy ways to improve your finances.
They can range from things like automating your budget or creating a money jar that pays for itself, to more complex solutions like changing your tax withholding or moving money around to get a higher return.
Honestly, there are so many life hacks for saving money.
8. Automatic Savings
This is a practice of automatically transferring money from your checking account into your savings account on a regular basis.
It is best to set a transfer amount and stick to it.
Since it is easier to save your money before you spend it, you must save as much money as possible in order for this strategy to be effective.
9. Financial goals
A financial goal is a long-term, quantifiable expectation for how much money you want to have, or what you plan on doing with your money. Your goals can be as simple as saving for the down payment on a house or as involved as saving for retirement.
Our financial goals allow us to set specific, numerical targets that help us achieve our desired lifestyle in a more concrete way.
You must set smart financial goals.
10. What brings you joy?
At the end of the day, it is important to remember that life is all about finding what brings you joy.
The question is open-ended, but your money must line up with what brings you joy.
Spend a few minutes and stew on the question.
11. Build an emergency savings fund
Building an emergency savings fund is a great idea if you are in the habit of saving money and want to make sure that you have some money saved up when times get rough.
If you are struggling to save, there are a few ways you can increase your savings.
For example, you might be able to set up automatic transfers from your checking account into an investment account. You should also make sure that you have a way to save money outside of your checking account.
Saving cash in a jar or saving up coins are ideas for some people.
12. Invest spare change
If you go shopping and buy something, most stores will give you change. If you use a debit or credit card, you can do the same thing with help of a popular app!
Simple money hack: investing your spare change.
In order to invest your spare change in an account, you can open one for as little as $5. Acorns then automatically invest the money from your checking account and into a savings acorn account.
As the round-up feature continues to add upon each purchase, it is a good idea to invest in this app so that you can save more dollars!
13. Challenge Yourself to Save
If you are looking to save money, it is best to set up a budget that includes challenging yourself.
A great way to do this is with the no spend challenge.
A no-buy is when you decide to simply not make any purchases for a certain amount of time.
A no-spend is when someone decides to not spend any money in a certain period of time.
When you are struggling with spending too much money and want to reset your wallet, then give up spending money. Period.
14. Join a buy nothing group
The buy nothing groups are a growing movement that started in order to help people cut their ecological footprint, save money, and break free of consumerism.
This is a great way to find things you need as well as declutter your house.
15. Negotiate everything
The key to successful negotiation is preparation.
Research the company’s past sales, price changes, and discounts offered in order to get a better understanding of what you’re negotiating for.
Don’t be afraid to negotiate.
What is the worst thing that can happen when someone says no!?!
16. Refinance Your Mortgage
It is never too late to refinance your mortgage.
In fact, it might be a good idea if you’re in the market for a new home or refinancing your loan on an existing property.
You must weigh the costs of refinancing to how much you will save over the time period of the loan.
Ask around for mortgage broker recommendations and get at least two quotes.
17. Downsize your Home
Downsize your home is the term for reducing a residence in size. This can be done by either moving to an apartment or buying a smaller house. There are many benefits of downsizing, including living a more affordable lifestyle and having less upkeep.
Downsizers use their homes as investments and save money on rent or mortgage payments.
18. Cut the cord
With the internet becoming accessible to everyone, people have started cutting their cable and watching shows online. People can save up to $500 a year by cutting cable from their bills.
Cut the cable & stop watching TV!
19. Learn about Finances
Ask for help.
If you are struggling, there is no shame in asking for assistance from your friends or family members.
The goal is to get ahead with money and not keep digging further into a hole.
Check out any of our courses to help you.
20. Save for What You Want
Decide what you want most and work towards it with the money you have now, instead of waiting for a windfall or a large inheritance.
This may mean setting aside $200 a month.
For example, as a reminder of your long-term goal of buying a beach property, you may buy something you would hang in the new place. Every time you see it, you will be reminded of what you are saving towards.
Budget Hacks
Financial hacks are not unusual.
Since it is so easy to overspend, you must know a few budgeting hacks ahead of time.
21. Need vs Want
A want is a desire for something, while a need is something that fulfills the requirement of your body like food or shelter.
When you think about buying something, ask yourself if it is a want or a need.
By uncovering needs vs wants, you are quickly able to find ways to spend less and save more.
22. Avoid Temptation
To avoid temptation, it is important to maintain a healthy amount of physical and emotional distance from the things that tempt you.
Sometimes, spending triggers are easy to avoid but other times they’re not.
However, people should always be aware of their temptations and try to stay away from them because it will lead to unnecessary debt or stress in the long run.
23. Practice the 30-day rule
Many people wonder what’s the 30 day rule with money…
The 30-day rule is the principle that states that you should practice a new habit or stop an old habit for at least thirty days before expecting success.
When it comes to your money, it means to wait thirty days before making big purchases or changes.
24. Keep a Budget Binder
A budget binder is an important tool that helps people keep track of their finances.
The binder can help people plan out their finances by providing a place to record expenses and income.
Keeping a budget binder is an effective way to track your spending and keep yourself accountable.
By keeping it, you can easily plan for future expenses in advance as well as see what money could be saved or spent on different items over time.
25. Get a spend tracker and use it regularly
Track your spending for 30 days. It can be a good idea to track your spending for at least a month to get an idea of what you’re spending and where.
A spending tracker is a tool that helps people keep track of how much they are spending on a certain item. It is important to use this tool regularly in order to be able to see patterns in your spending.
Then, review your spending. Share it with a trusted friend or family member to come up with some goals to reduce expenses in order to save money.
26. Create a budget
Create a budget, and follow it.
When you schedule your spending, make sure to leave room for savings. This is the easiest way to ensure that you can stick to your budget.
Find more budgeting resources on our site.
27. Pay Bills on Time
This should be a simple statement that we all know. However, life can throw curveballs.
Try to pay your bills on time and in full every month, and make sure all of your bills are paid each month.
This will show lenders that you are responsible and that you are taking care of your credit. Plus you don’t rack up those pesky late fees and high interest rates.
28. Avoid Missed Payments
Don’t miss any payments, and pay off your balances each month to avoid paying high interest rates or fees on late or missed payments.
Read again… do not miss paying your bills.
29. Reconcile Your Checking Account
Balance your checkbook monthly. Okay, no one really uses a checkbook anymore, but you can still do this with pen and paper.
Even better, use Quicken as a simple way to balance your checking account. Read my Quicken review.
This is a great way to check for being charged too much or find a subscription you don’t use anymore.
30. Avoid Summer Budget Busters
Avoid spending money for the summer by just being conscious of your spending and reviewing what is different than the norm.
It is too easy to get into the trap of spending money because the weather is warm.
31. Review your Credit Card Statements
If you’re like most people, you probably review your credit card statements once every six months.
What’s the best way to go about reviewing them?
It depends on how often you use your credit card, how much debt you have, and what your credit score is. You should review your statements at least once a year if you’re carrying a balance on your credit cards.
If you use your credit card, then you should review your statements at least monthly.
32. Use the Cents Plan Formula
While the 50/30/20 budgeting rule is popular, our method of budgeting your money will be more helpful.
Learn how to divide your income into various categories.
Check out the Cents Plan Formula.
33. Use Cash
Use cash instead of credit cards to spend, which will make it easier to limit yourself to how much you can spend.
The envelope system helps you save money by only spending from one designated cash stash each month and withdrawing a set amount for different types of expenses (like groceries).
34. Spending Freeze
Implement a spending freeze, which helps you get used to not buying things for an allotted time so that when the freeze is over, it’s easier to buy what you want.
You will be surprised how much random online shopping you do.
Begin your spending freeze now.
35. Use a Budgeting App
Use your bank’s budgeting tools, like Quicken, which can help you track how much money is coming in and out of your account.
This is the simplest way to manage your money wisely.
Using a money app or a personal finance website can help you to stay organized and get more creative about your budgeting.
Check out this list of the best budgeting apps available.
Hacks to Make Money
Hacks to make money are a list of ways to generate income for yourself. Many ways to make money include blogging, affiliate marketing, or day trading. These money making hacks are great, but they can take more time and energy invested.
36. Use cash back apps
Cash back reward apps like Ibotta are a way to get extra money for your purchases.
They take some time getting used to and you only have access to partner stores that offer cash-back offers. It only takes a few seconds to make some extra cash.
Check out the best cash back apps available.
37. Ask for a Raise
A raise is an increase in pay for a job, labor, or service.
If you are concerned about asking for a raise, then you are missing out on lost money.
Your boss may be receptive to it, then try negotiating more money. Not only will this be good for your career, but also the relationship between you two can improve as well.
38. Get a side hustle
A side hustle is an additional job or career, usually, one that requires only a small amount of time and effort.
For example, someone who wants to work on the weekends might start a side hustle as a bartender.
Side hustles are a form of entrepreneurship that allows you to earn money and do little tasks. They are not difficult or time-consuming, but they can still help you make extra cash on the side.
Pick one of the best gig economy jobs.
39. Rent out a part of your home
A part of your home is often a room, which can be rented out on Airbnb.
Airbnb is the largest and most successful company in the world that lets people rent their extra space or properties. They are a well-known company that provides an easy way for people to make money from their extra space.
Use Neighbor to lend out your space in your home.
40. Declutter: sell your junk for cash
Decluttering is the act of getting rid of excess or unnecessary items.
In order to declutter, you must be willing to give up something that has been a part of your life for a long time. It is important to remember that decluttering does not have to be a quick or easy process.
Then, sell your stuff on Facebook Marketplace, Nextdoor, eBay, etc.
Learn more at Flea Market Flippers.
41. Earn Money While Watching TV
Although it is not a fast way to get rich, this can be used as a side hustle.
It’s better to use the money earned from watching TV or something else that takes up your time for other things like bills and groceries.
Survey platforms are online sites that allow people to earn money while watching TV.
The survey platform will send surveys through the mail or email, and then they can choose whether they want to take the survey for a set reward amount or if they would like cash back on their purchase.
One of these options is MyPoints, which allows users to earn points by completing tasks such as taking surveys and shopping online at specific retailers.
Others include:
42. Maximize Your Income
Find ways to increase the amount of money you bring in, whether that’s through a side hustle, increasing hours at work, or asking for a raise.
In today’s society, there are plenty of ways to make more money.
Only you put a limit on what you are capable of earning.
43. Build Your Credit
Building your credit can be a long process, but it’s worth the effort. If you’re trying to establish or improve your credit score, here are some tips that might help:
Try to keep your credit utilization rate below 30% at all times.
Do not open too many new lines of credit in a short period of time.
Pay your bills on time.
This will help you avoid damaging your credit score.
Hacks for Free Money
Hacks for free money are a form of fraud wherein the perpetrator solicits payment via PayPal, credit card, or other methods in exchange for access to what they promise will be a legitimate business opportunity.
Hacking free money is a way to make more cash, fund your financial goals, or help you pay off debt. There are lots of ways that people hack their finances and use cash back apps for some extra income.
Other options include signing up for bank bonuses or credit card bonuses.
Honestly, real free money hacks are more likely to be scams. So, beware when searching online.
Money Hacks in the Kitchen
You can save the most money by looking at what you eat.
Typically, people waste over 25% of their grocery budget and throw out food. Would you willingly throw out $250 a month? Probably not.
So, learn how to stretch your money for food.
44. Start meal planning
Meal planning is a money-saving strategy that can help in the long run. It’s also important to eat healthily and reduce food waste when meal planning.
But planning ahead will help save on the grocery budget, and it’s not too late to start now.
Start meal planning by deciding what you want to eat for each day. Then, make a list.
45. Say no to prepackaged foods
Packing your lunch for work or school can be time-consuming, especially if you have a family.
Some people prefer to buy prepackaged foods because they save time, but this is not always the best option.
A better choice is to make your own food at home and pack it for lunch, which you can then eat in peace without worrying about what other people might be saying about the food you packed.
46. Eat at home
Eating at home is a way to save money. It may be uncomfortable for those who do not enjoy cooking as it requires extra effort and time.
Instead of getting food at restaurants, consider cooking your favorite meals at home.
You can save money and time by eating the same meal over and over again.
Learn about the frugal home must haves.
47. Grow your own herbs and food
The most common methods of gardening include container gardening, hydroponics, and both indoor and outdoor gardening.
Many people are growing their own herbs and food for the satisfaction of being able to eat something that was grown with their hands.
48. Take your lunch
If you are interested in saving money, consider taking your lunch. This will save you up to $1,000 a year on work lunches and make it easier to meet the recommended daily intake of fruits and vegetables as well.
“Take your lunch” is an invitation to eat at home. There are many benefits of eating out less often, such as saving money and gaining more control over food choices.
Travel Hacks to Save Money
The following are travel hacks that can help you save money on your next trip.
Some of these hacks include traveling during weekdays, using public transportation, staying at hostels and Airbnb instead of hotels, and using a travel credit card.
49. Use foreign websites for lower prices abroad
Foreign websites are websites that have been created by people from other countries, and they sell products in the language of their country. These websites often offer lower prices on products than what is offered in the United States.
If you’re traveling abroad and need to find a place to stay, there are plenty of websites that can help. A few websites have deals on places where travelers often stay while they travel internationally.
50. Stay for free or get paid to house sit abroad
A house sitter is someone who looks after someone’s property for a certain amount of time in exchange for the promise of payment.
House sitting is typically offered by homeowners to travelers and others who are looking to stay in a particular location for an extended period of time.
The main types of house sitting include:
– full-time house sitters, who are responsible for all aspects of the house and who are typically paid a monthly salary,
– part-time house sitters, who may be responsible for taking care of one or more specific tasks such as gardening or handling the mail
51. Hide your search
To avoid being taken advantage of by airlines, it is best to open a new incognito or private window between searches.
This will make sure that you are not tricked into buying tickets that may be significantly more expensive than they need to be.
Airlines use cookies in your browser to make you believe the prices are going up and up.
Money App Hacks
Money app hacks are ways that people have figured out to make their money work for them in terms of saving and spending. These apps offer different features, such as budgeting, tracking your spending, and saving money.
If you want a simple way to save money, then any of these money apps are designed to find excessive spending.
52. Billshark
This is a legitimate way to save money on monthly bills. Billshark offers you the opportunity to save up to 25% each month (when compared with regular bill payments).
All of this can be done for you by BillShark team, and there are no fees involved!
Try Billshark for free!
53. Trim
Review your spending habits to find what you can cut out, like subscriptions.
Find other ways to save by looking for ways to reduce costly bank fees or getting a discount on your cell phone plan. By using Trim, you are saving money and improving your financial health.
Sign up with Trim now.
54. Truebill
Truebill can help you to track your spending, save money and get a clear picture of your financial life.
This helps you identify services that you are no longer using but continue to pay for. It will help save money by automatically negotiating prices with your service providers and receiving a refund of the money going to waste, which is free money.
Get started with Truebill.
Which Life Money Hacks Can You Start?
This is a lot to take in, but don’t worry.
Take the time to read through each suggestion and consider how you can implement it into your life.
The more hacks you try out, the closer you’ll get to a healthy financial mindset.
These are the life hacks to save money I have found to work for me and my family in order to reset our financial mindsets and grow our net worth.
Everyone will find their niche and what will work best for them.
Personally, you need to figure out how do I make more money. That will make the biggest impact the fastest.
What have you done with your money lately?
Know someone else that needs this, too? Then, please share!!
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