How to Save Money

How to Save Money

It’s no secret. The millennial & z generations have it rough. Yes, our forefathers fought in world wars and didn’t have immediate access to information like we do, but at least they could afford to take care of a family with one job. Just a few decades ago, a mechanic or teacher would be able to support his/her family on one income. The cost of college was affordable for the most part, and some state colleges were even free. Not anymore. Today, even lawyers are struggling to make ends meet due to an inflated cost of living and wages staying stagnant. Some boomers argue that this generation is lazy, but they didn’t have the same level competition to get into college or record breaking rental rates we are dealing with today.

Saving money is crucial to a successful future. Not only does it prepare you for a rainy day, but it prepares your credit for the life you may want in a few years. You have to put money down to buy a house. You have to keep a good credit score to qualify for a loan or get a decent rate on a car. The credit companies do not care if you lost your job, or went through hard times. That extra cushion might just get you through the rough patches so you’re still on track when you come out on the other side. You’ll have to make some sacrifices. But if you do, you’ll come out on top instead of scraping by for months or years on end. Here are a few tips to get you started:

Perhaps the best money saving advice ever given: Eat at home.

Not knowing how to cook is not an excuse anymore. For $70 a week, Hello Fresh will send ingredients for three meals and enough food for 2 with the most broken down, simple recipes ever so you can cook like a pro and save $100 or more dollars a week. Have you ever added up your daily $10 lunches per week, or that weekend out with your friends? Odds are, you’re spending way too much money. If you’re a single person, that $70 a week will mean dinner and lunch all week long.

  1. Have friends over instead of going out.

A drink at a bar is at minimum $5 if you’re drinking crappy beer. Realistically, that drink is $7-12 dollars or more. If you drink crappy beer you’re still paying a least $25 when you can get a 6 pack for $12. Not only will staying in save money on drinks, it’ll save you the uber ride home, which adds up astronomically if you’re not careful.

  1. Ditch cable.

Why pay over $100 per month when you can pay up to $25 a month for services like

and other streaming companies? The days of cable are over. You can pay $11 monthly subscription for premium channels like HBO, Showtime, etc. without the hassle of a contract. And for a limited time, AT&T not only offers unlimited data, but if you sign up with a new plan (even if you’re already a customer) they are throwing in 30 free channels PLUS one premium channel FOR FREE! You really can’t beat that.

  1. Transfer your high- interest balances.

Are you only paying the minimum payment on your credit cards? If so, you’re not making a dent in your debt. You’ll be much better off taking advantage of promotions that offer a year or more interest free if you transfer your credit card balance. This will give you time to pay down the actual principal instead of paying interest only. But be careful with this. If the card isn’t paid off by the time the promotion ends, you’ll be stuck with back interest. If transferring a balance won’t work for you, you can also apply for a consolidation loan to lump all your debt into one payment.

These are tough times, bruh. There’s no room for error unless you want to be back in your childhood bedroom, which most people in their 20s and 30s already are. Do what you have to do to get ahead. Make the sacrifices. Wait until you’re secure in your finances before having kids. Successful adulting means learning the most valuable skill to success: saving money.

For more on money management, check out Building Your Credit 101.

Hater Aid

Hater Aid

The Urban Dictionary defines a hater as a person who simply cannot be happy for another person’s success. Rather than be congratulatory, or even indifferent, a hater makes a point of exposing any flaw he or she can grasp for. The most obvious are trolling the comment sections of social feeds. Since they have nothing original to say, why not bash someone else’s content with their ignorant ideals? Let me tell you, it’s no sweat to us, sweetie. Your misplaced anger bears on noone but you. 

Some people hate so hard they try to sabotage another person’s life. This is done in either pure jealousy or revenge. I get that the feeling of revenge can be strong in young Obi Wons, but keep in mind when people do you dirty, karma will come for them. You don’t have to spend any of your energy trying to make someone else’s life difficult. That energy is better spent on yourself. As for sabotage … damn. Get a hobby, bruh.  

A hater has no age. These people are at work, at school, at home, coast to coast, and around the world. They are those who are dissatisfied with themselves or their lives. They live day in, day out pointing out the flaws in others instead of focusing on their own self improvement. Besides, flaws aren’t stopping successful people one bit. But this hater-itis channels energy to a very negative place and can prevent you from growing. The more you focus on others, the less you’re doing for yourself. 

The hater is not just a person, it’s a mindset. Some go through a hater phase where they’re just down and suffer from a momentary lapse in judgment. Others spend years perfecting their hate, drinking the haterade on the daily, wishing bad things towards anyone who has something they don’t. This is not a good place for the soul. If you’re not happy with your current lifestyle, you have the power to change it. 

Resenting a person for having more, whether they worked for it or not, isn’t going to get you anywhere you wanna be. At step in successful adulting is learning something from that person you supposedly hate. What is it you really hate about him/her? 

Can’t stand that he’s always in the best fits? 

Sounds like you’re just upset he has nicer clothes than you. I have secret locations to buy designer clothes at a discount. Ask in the comments and I’ll tell. 

Don’t understand why everyone likes this one person you can’t stand? 

Sounds like you want attention and aren’t getting it. It’s more important to focus on why someone else’s popularity bothers you so much, and take some time to self reflect on your personal situation. 

Angry because you have to work for everything while people get hand outs?

Sounds like you wish your life was different. It’s more productive to focus on reaching your goals and not worry about who’s doing what. 

That ennui won’t go away dumping haterade on everyone’s head. What’ll happen instead is that people will start avoiding you because you’re constantly talking shit and complaining. Then you’ll be left with no one. 

This is especially true if you start talking about your friends. Being a hater towards a friend or lover likens the relationship between hunter and prey. Good friends/ partners support one another and build each other up. Nobody deserves to be torn down. We’re all flawed and constantly learning. 

There are multiple forms of hate and they show up in different types of relationships. If you’re suffering from a hater ass friend, lover, sister, brother, whoever, you may be involved in a toxic relationship and not even know it. It’s best to just walk on by. Leave these people alone to figure out their own hot mess while you shine like the diamond you are.  

There are some of you reading this now that are still talking that shit. If you’re offended, you’re probably a hater. But you know what? That link was clicked and when it comes down to it, that’s all I needed you to do.

What’s your hater story? Post it in the comments section below! ????

karmajealous

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