First, it’s important to remember that I am a relentless optimist. This means every single day of quarantine I have done my best to keep my vibes high and worked to look for the good in every area of my life. Even Covid-19. Times are shaky right now, that’s for sure. BUT some major shifts are taking place that can benefit you greatly! Here are my three faves!
Alright, so I know deep down our human instincts keep us hard-wired for survival. We stockpile TP during crisis like a squirrel stockpiles acorns before winter. I don’t know if squirrels get in full-on brawls like 2 stay at home moms in the Charmin aisle of Costco. But that’s beside the point. While our survival instincts have kept us in check for centuries, there is a key element we are missing out on and it’s causing us all way more stress than necessary and making us miss out on the bigger picture items…like cash. Actually, it’s what cash can afford us. Now, this isn’t going to be your typical “money hack” type post. But just hear me out…
People still refer to me as being a cheapskate sometimes and I guess I’m cool with it. But, there are also some things I need to clarify. Working to pay off
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.
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.