Phones are everywhere these days. Older generations may tease that we spend too much time on them but don’t realize just how much we need them to survive. Our phones are our calendars, email, banks, music, cameras and all-around communication with the outside world. There is no doubt we need our phones for survival in this day and age, but it doesn’t have to cost you nearly as much as you think it does! We reduced our phone bill by $20 a month recently ($240 per year), only using some of these tips to reduce your phone bill that I’m about to share with you.
Working to save money can be a hard feat to overcome. There are negative money mindsets that could have been stuck in your brain since you were a kid. The good news is there, are ways that you can trick your brain into saving more money while you master a healthy money mindset. Let’s chat about some of the ways you can trick yourself into building wealth and how you can retrain your brain so saving money becomes easier and easier.
Investing is a scary word for people and I totally get it. There’s so much to know, so many numbers and terms and types of ways to invest. How can a minimalist lifestyle make start investing a little less overwhelming and actually help you be better at long term investing? Well, lemme tell ya.
A lot of us go into a new year with big goals and in the top 10 New Year’s resolutions, saving more money is number 4. That means 32% of people are going into a new year hoping to have more money by the end of it and the majority of them often fall short. It’s because the idea of saving money often makes us feel like we’re living in a state of deprivation. Sacrificing and scrimping to save is not fun for anyone. That’s why I’ve laid out 5 steps to saving more money this year that aren’t going to make you feel like you’re totally poor and deprived of life’s joys.
It’s crazy to me that there are so many things in our lives we can be negotiating, but a lot of us just kind of sit back and accept things as they are. I’m one of those people! Recently I have started learning about the power of negotiating and how so many areas in our lives can be negotiated to help us save money. I’ve decided it’s time to spread the word, so I created this list of 23 things you didn’t know you could negotiate with a few pointers to help you get started!
So I can’t be the only one noticing that every time I go to Target, they are asking me to put in my phone number for Target Circle. Personally, the staff at Target haven’t been very good at explaining what in the world Target Circle is, how it benefits me an why I should be entering in my phone number. A whopping 1% back doesn’t exactly thrill me, especially when I have a 5% back Target Red Card.
My confusion is your gain. I went ahead and did the research on what the Target Circle is, how it works and if it’s even helping you save money. Spoiler alert: I’m kind of a skeptic.