25 Unnecessary Wastes of Money You Don’t Think About

1. Buying brand name products

Store and generic brands have to be one of the most underused ways to save money across a range of products. From food, to skincare, to over the counter medicine, chances are your local grocery or drug store has a store brand for them or sells a generic version. Check the labels; in most cases, the ingredients are pretty much identical, but you don’t have to spend money on the big brand names.

Also, if you have prescriptions, you can sometimes ask your pharmacist for the generic version of your medications. They work just the same as the brand name, and can save you quite a bit of cash if your co-pay is high.

2. Paying someone else for simple car repairs

Basic car maintenance is something fewer and fewer of us learn, perhaps due to our increasingly busy lives and the preference for someone else to do maintenance work. But, assuming you own a car, money is flying out your wallet if you take your car to a shop for every little complication. Several of the simpler car problems don’t take a professional mechanic to fix, and even routine maintenance tasks can be performed at home. The great thing about the Internet age for car-owners is that there are all sorts of easy and helpful instruction videos out there.

Now, this doesn’t mean you can just start whacking at your engine with a socket wrench, but you definitely have more ability to tune up your car for cheap than you think you do. Start here.

3. Grocery shopping when you’re hungry

Or when you have all the time in the world. Avoid these two scenarios when taking a trip to the grocery store at all costs. If you shop for groceries when you’re hungry, even just kind of hungry, you’re more susceptible to buying extra stuff you don’t need or that you’ll waste later. Same goes for a leisurely grocery trip. If you make your trip when you have other errands to do and only a certain amount of time to do them, you’re less likely to spend time exploring all the isles and picking up more food than you originally planned on buying.

4. Buying a snack at the gas station “every now and then”

The quotation marks are there because “every now and then” usually means you just don’t keep track of all the little snack purchases you make on the go. All those bottles of soda and chip bags you pick up when you’re filling up the tank or making a stop at the drug store add up. Make a rule that you have to track all of those little snack purchases and you only get a small allowance of them per month. Get in the habit of bringing plenty of fluids and a snack or two with you whenever you go do errands or anything else that might bring you near convenient snack-filled temptations.

5. Taking expiration dates as law

For some of the more perishable foods expiration dates hold more authority, but you can usually tell this by the funky smells or colors that develop when they start to go bad. But an expiration date on a food item isn’t the be all end all, assuming they have been stored in a cool, dry area. The most obvious case of this is pretty much any dried good, such as cereal, uncooked pasta, and dried beans.

Several foods that usually go bad when their labels say they will, such as raw meat or bread, can be stored in the freezer before their expiration date if you don’t think you’ll make it in time and be perfectly fine when you thaw them again. You can also use online databases to look up the actual shelf-life of certain foods and compare it to what the label says.

6. Paying for cable

Cutting the cord might seem like something only super savvy Millennials and tech whizzes can do without sacrificing a few of their favorite shows. But there are a bazillion TV and movie streaming services and other non-cable options out there now, the quality and variety of which will only keep growing in the years to come. Pretty much any streaming service is cheaper than paying for cable or dish, and you don’t get stuck with all the extra channels you never watch yet still have to pay for.

You can’t sit there and surf channels aimlessly any more, of course, but it’s not like doing that made your TV experience fantastic anyway.

7. Only using credit/debit cards

Convenient? A bit. Ignorant bliss? Definitely.

If you almost exclusively use your card to pay for things, it’s a lot easier to spend more than you intend to because you aren’t seeing the money. You just press some buttons and boom, purchase made. You might not be so liberal with your funds if you had to watch the cash leave your wallet. If you use mobile banking or money management apps to keep on top of your finances while still using your card, and it’s working, keep doing your thing. For the rest of you, you might want to consider weekly or bi-weekly trips to your bank or ATM and withdrawing a fixed amount of cash for your spending.

8. Your bank in general

Banks and everything to do with them are just money-vacuums in general. Take a look at your accounts and card fees and see if there are any better options than what you currently have. Try your darnedest to use ATMs for your bank only, as using another branch’s machines typically racks up unpleasant fees.

Better yet, ditch the bank altogether. Try a local credit union instead.

9. A drafty living space

If you pay heating and cooling bills, you might be paying more than you need to due to inadequate insulation. If you can afford it, you can install more airtight windows and maybe a door or two as well. But effective insulation can be achieved without entirely replacing your windows in most cases. Start here and here.

10. In-game purchases

As a semi-recovering Candy Crush addict, I know how hard this habit is to break. But those $1 or $5 purchases here and there WILL add up, and you’ll suddenly be looking at your bank statement with a whole lot of shame and regret. Remove your credit card info from any sites or apps where you play games, and if you get really frustrated by a level you just can’t seem to beat, Google a how-to guide. (After finding some really effective ones for Candy Crush, I feel really dumb about buying those power-ups.)

11. You don’t keep your tires properly inflated

Yes, some tires with a little too much wiggle room can actually worsen your car’s gas mileage. Keep your tires properly inflated and you’ll save money on gas you didn’t even know you were losing. Set up a regular alert on your phone or write them down in your calendar so you don’t forget to check.

12. Couponing (irresponsibly)

Coupons save you a little money, yes, but if you’re couponing just for the sake of it, or convincing yourself you were totally going to buy those things on that discount site, you’re still wasting money. Don’t use coupons as an excuse to buy things you normally wouldn’t, even if it’s just an extra $5 to your usual purchase. You’ll end up doing it a lot more frequently than you intended, when you could be focusing on coupons and discounts when you actually need them.

Stick to coupons for the things you already buy. The exception to this is if you’re making an expensive but necessary purchase that you don’t regularly have to make, such as a car repair you absolutely can’t fix yourself, and you’re able to find a special coupon or discount for it.

13. Paying full price for clothes

Some cities have really great thrift stores or, for the pickier people, consignment shops. If there aren’t any near you, you can find plenty of sites that sell gently used, good quality clothes, as well as let you sell your own. Plus, by buying better quality clothes that have been gently used instead of cheap new clothing, your stuff will probably last longer. Cheap clothes break and tear, and then you have to buy more.

If you insist on buying clothing or shoes brand new, you still don’t have to pay full retail price. Chain stores usually mark up the price of the clothes they sell so that you pay significantly more than what it cost to make the items, giving the stores a hefty profit. Rather than paying the full price, find the items you really want and keep an eye on them. They’ll eventually be discounted or the store will have a sale that includes the item, allowing you to buy it at a better price. This is also a good way to weed out things you don’t actually love enough to buy, since you’ll have time to think about whether or not you really want the item while you wait for a discount.

14. Skimping on health and hygiene habits

You think it won’t happen to you, but it will. Your dentist isn’t just having a power trip, you really do need to maintain your teeth’s health or you’ll be paying for dental work in the not too distant future, and that can get painfully expensive. Not washing your hands, alcohol and junk food habits, and just not taking proper care of yourself in general will all come back to bite you, no matter how invincible you think you are. Weigh the potential medical bills against the temporary inconvenience of adjusting to new habits and make the smart choice.

15. Pricey personal care products

We think we’re savvier consumers now, yet many of us continue to buy a bunch of chemical-filled crap to slather on our faces and bodies in the hopes that it will fix wrinkles (excuse me, “fine lines”), firm our skin, or brighten our complexions. I know it doesn’t work, you know it doesn’t work, so stop buying into it. Do you even know what you’re rubbing on yourself anyway? Take a look at the ingredients lists on your personal grooming products. I bet you can recognize maybe four or five if them without using a search engine. Opt for products with less ingredients that you can actually pronounce — and own up to the fact that some of your own habits are contributing to your skin/hair/body odor issues.

16. Unnecessary laundry junk

Dryer sheets? Toss ’em. Fabric softener? Throw it out. You need neither; in fact, you might not even need that toxic goop you put in your washing machine either. Plenty of cheap and easy homemade laundry detergentrecipes can be found online, as well as replacements for dryer sheets such as reusable dryer balls. Or better yet, skip the dryer as much as possible, line-drying works just fine.

17. Energy drinks

If you have an energy drink habit, it’s time to kick it if you want to save money. Those things aren’t cheap, and chances are you eventually have to start drinking more than one a day to keep the buzz once you begin to tolerate them. If this habit is due to poor sleep, think of the money your sleep habits are costing you as an extra motivator to change them.

If you get a normal amount of sleep but still feel exhausted enough the next day to require energy drinks, make an appointment with your doctor. There are a number of health issues that could be causing you to feel drained, and one trip to the doc will be worth it if you can find out how to fix it.

18. Disposable razors

Disposable razors lose their sharpness pretty quickly (or get too clogged up with deodorant and other product residue), so you end up buying them pretty frequently. However, there are non-disposable razors that don’t cost a ton and once you’ve purchased it you only need to replace the blade itself, which you can usually buy in bulk online for super cheap but excellent quality. They are a little bit sharper than disposable razors because they’re designed to last more than five days, but don’t worry, these aren’t the long single blades you see in old-timey barbershops in films and TV, they’re the same shape you know just minus the whole disposable part.

And ladies, these razors are labeled and marketed for men, but they’re not gender exclusive. The companies are just marketing them as an old-fashioned manly-man thing rather than a save-money-and-the-environment thing. Don’t be fooled, you can totally use them.

19. Not carrying a re-usable coffee cup

Some places (maybe even most) add the cost of the disposable cup to the price of their drinks, since after all they don’t get those cups for free. If you’re a frequent coffee or other beverage purchaser, invest in a reusable to-go cup. You’ll typically get a “discount” for using it, when in fact you’re just not paying extra for the paper or plastic cups.

20. Buying individual coffee drinks in general

Get yourself a decent coffee-maker and make the coffee yourself to save big bucks over time. A lot of coffee machines now have the ability to preset your brew, so you can program it the night before to start brewing your coffee before you even wake up. Now you can’t claim it’s too much work!

21. Making more than one trip to the grocery store per week

A good way to make yourself stick to a grocery budget is to not allow little trips to the store throughout the week because you ran out of one or two items. Chances are you’ll end up getting something extra half the time, and a routine of more than one grocery store trip per week indicates you’re not properly tracking your grocery consumption and adjusting what you buy and when you buy it to fit your habits.

22. Buying several different cleaning products and wipes

With a couple exceptions like wood and certain upholstery materials, you don’t need to buy a specific and often pricey product for every different surface in your home. It’s easy to find recipes for DIY all-purpose cleaners on the cheap like this one, as well as homemade cleaning products forspecific surfaces if the need does arise.

23. Not taking advantage of qualifying discounts

This is especially good money-saving advice if you’re a student. Student and college discounts abound, they just might be hidden. Just because a company or establishment doesn’t explicitly advertise student discounts doesn’t mean they don’t have any; ask an employee, or, if you’re making a purchase online, use a search engine to see if there are any student discounts or programs you weren’t aware of. This goes for other person-specific discounts, such as military or senior discounts.

24. Pre-sliced or individually-packed anything

Your pre-cut meat and cheese are likely costing you way more than if you just bought these foods whole and cut them yourself. And really, individually packaged food in general is usually more expensive than making something similar yourself. Even things like snack bars aren’t difficult to make, and the bulk ingredients will feel like a steal for the amount you can make with them.

25. Disorganization

Being disorganized has cost you money at some point. Losing chargers and cables, misplacing expensive jewelry, forgetting where you left your keys and having to pay a locksmith to get into your house or car. If the mess itself hasn’t motivated you to declutter and get organized, link back on all the times you lost or misplaced something and ended up spending money in some way because of it. Then think of how many of those times you ended up finding the missing item later and realizing you spent that money for nothing. Yeah, I thought that might get your attention.

Featured photo credit: Throwing Money Away/Bruce Evans via secure.flickr.com

The 23 Best Ways to Quit Smoking

Make an honest list of all the things you like about smoking.

Draw a line down the center of a piece of paper and write them on one side; on the other side make a list of all the things you dislike, such as how it can interfere with your health, work, family, etc., suggests Daniel Z. Lieberman, M.D., director of the Clinical Psychiatric Research Center at George Washington University Medical Center in Washington, D.C. Think about the list over time, and make changes. If you are brave enough, get feedback from family and friends about things they don’t like about your use of cigarettes. When the negative side outweighs the positive side, you are ready to quit.

Then make another list of why quitting won’t be easy.

Be thorough, even if the list gets long and discouraging. Here’s the important part: Next to each entry, list one or more options for overcoming that challenge. For instance, one item might be: “Nicotine is an addictive drug.” Your option might be: “Try a nicotine replacement alternative.” Another reason might be: “Smoking helps me deal with stress.” Your option might be: “Take five-minute walks instead.” The more you anticipate the challenges to quitting, and their solutions, the better your chance of success.

Set a quit date.

Write a “quit date contract” that includes your signature and that of a supportive witness.

Write all your reasons for quitting on an index card.

Here are some to get you started: “My daughter, my granddaughter, my husband, my wife…”
 You get the idea. Keep it near you at all times.

As you’re getting ready to quit, stop buying cartons of cigarettes.

Instead, only buy a pack at a time, and only carry two or three with you at a time (try putting them in an Altoids tin). Eventually you’ll find that when you want a smoke, you won’t have any immediately available. That will slowly wean you down to fewer cigarettes.

Keep a list of when you smoke for a week before quitting.

Also note what you're doing at the time and how bad the craving is to see if specific times of the day or activities increase your cravings, suggests Gaylene Mooney, chair of the American Association for Respiratory Care’s Subcommittee on Smoking and Tobacco-Related Issues.

Prepare a list of things to do when a craving hits.

Suggestions include: take a walk, drink a glass of water, kiss your partner or child, throw the ball for the dog, play a game, wash the car, clean out a cupboard or closet, have sex, chew a piece of gum, wash your face, brush your teeth, take a nap, get a cup of coffee or tea, practice your deep breathing, light a candle. Make copies of the list and keep one with you at all times so when the craving hits, you can whip out the list and quickly do something from it.

Quit when you’re in a good mood.

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Studies find that you’re less likely to be a successful quitter if you quit when you’re depressed or under a great deal of stress.

When your quit date arrives, throw out anything that reminds you of smoking.

That includes all smoking paraphernalia — leftover cigarettes, matches, lighters, ashtrays, cigarette holders, even the lighter in your car.

Put all the money you’re saving on cigarettes in a large glass jar.

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You want to physically see how much you’ve been spending. Earmark that money for something you’ve always dreamed of doing, but never thought you could afford, be it a cruise to Alaska or a first-class ticket to visit an old college friend.

Switch to decaf until you’ve been cigarette-free for two months.

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Too much caffeine while quitting can cause the jitters.

Think of difficult things you have done in the past.

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Ask people who know you well to remind you of challenges you have successfully overcome, says Dr. Lieberman. This will give you the necessary self-confidence to stick with your pledge not to smoke.

Find a healthy snack food you can carry with you.

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In place of smoking cigarettes, try sunflower seeds, sugar-free lollipops, or gum, or carrot or celery sticks if you're concerned about weight gain. You can also switch your cigarette habit for a nut habit, and eat four nuts in their shell for every cigarette you want to smoke. This way, you're using your hands and your mouth, getting the same physical and oral sensations you get from smoking.

Switch to a cup of herbal tea whenever you usually have a cigarette.

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The act of brewing the tea and slowing sipping it as it cools will provide the same stress relief as a hit of nicotine. Or carry cinnamon-flavored toothpicks and suck on one whenever a cig craving hits.

Instead of a cigarette break at work, play a game of solitaire on your computer.

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It takes about the same time and is much more fun (although, like cigarettes, it can get addictive). If your company prohibits games like that, find another five-minute diversion: a phone call, a stroll, or eating a piece of fruit outdoors (but not where smokers congregate).

Picture yourself playing tennis.

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Or go play tennis. British researchers found volunteers trying to quit smoking were better able to ignore their urges to smoke when they were told to visualize a tennis match.

Create a smoke-free zone.

Don’t allow anyone to use tobacco in your home, car, or even while sitting next to you in a restaurant. Make actual “No Smoking” signs and hang them around your house and in your car.

Post this list in a visible location in your house.

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Whenever you’re tempted to light up, take a look at all the ways smoking can damage your health: • Increases risk of lung, bladder, pancreatic, mouth, esophageal, and other cancers, including leukemia • Increases risk of heart disease, stroke, high blood pressure • Increases risk of diabetes • Reduces levels of folate, low levels of which can increase the risk of heart disease, depression, and Alzheimer’s disease • Affects mental capacity and memory • Contributes to thin bones • Increases likelihood of impotence • Reduces fertility • Affects ability to smell and taste • Results in low-birth-weight, premature babies • Increases risk of depression in adolescents • Increases your child’s risk of obesity and diabetes later in life if you smoked while pregnant

To minimize cravings, change your routine.

Sit in a different chair at breakfast or take a different route to work. If you usually have a drink and cigarette after work, change that to a walk. If you’re used to a smoke with your morning coffee, switch to tea, or stop at Starbucks for a cup of java—the chain is smoke-free.

Swing by the health food store for some Avena sativa (oat) extract.

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One study found that, taken at 1 milliliters four times daily, it helped habitual tobacco smokers significantly decrease the number of cigarettes they smoked.

Tell your friends, coworkers, boss, partner, and kids how you feel.

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Don't bottle up your emotions. If something makes you angry, express it instead of smothering it with cigarette smoke. If you’re bored, admit to yourself that you’re bored and find something energetic to do instead of lighting up.

Make an appointment with an acupuncturist.

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There’s some evidence that auricular acupuncture (i.e., needles in the ears) curbs cigarette cravings quite successfully, says Ather Ali, N.D., a naturopathic physician completing a National Institutes of Health-sponsored postdoctoral research fellowship at the Yale-Griffin Prevention Research Center in Derby, Connecticut. You can even do it yourself by taping “seeds” (small beads) onto the acupuncture points and squeezing them whenever cravings arise.

If you relapse, just start again.

You haven’t failed. Some people have to quit as many as eight times before they are successful.

Full > http://www.rd.com/health/wellness/quit-smoking/

Mahatma Gandhi’s 5 Teachings To Bring About World Peace

“If humanity is to progress, Gandhi is inescapable. He lived, thought, acted and inspired by the vision of humanity evolving toward a world of peace and harmony.” – Dr. Martin Luther King, Jr.

EDITOR’S NOTE: THIS POST WAS WRITTEN BY SHILPAN PATEL OF THESUCCESS SOUL BLOG.

Have you ever dreamed about a joyful world with peace and prosperity for all Mankind – a world in which we respect and love each other despite the differences in our culture, religion and way of life?

I often feel helpless when I see the world in turmoil, a result of the differences between our ideals. This leads to grief and sorrow being inflicted on millions of innocent victims by a few who abuse the power of their convictions.

“How can I make difference so that I may bring peace to this world that I love and cherish so much? A name flickers instantly in my mind.”  – Mahatma Gandhi

Mahatma Gandhi inspired the world with his faith in truth and justice for all Mankind. He was a great soul who loved even those who fought against his ideals to bring about peace with non-violence.

How could a meek and fragile person of small physical stature inspire millions to bring about a profound change in a way the mightiest had never achieved before? His achievements were nothing less than miracles — his creed was to bring peace to not only those who suffered injustice and sorrow but to espouse a new way of life for Mankind, with peace and harmony. His life was a message — a message of peace over power, of finding ways to reconcile our differences, and of living in harmony with respect and love even for our enemy.

Teaching # 1: Power is of two kinds. One is obtained by the fear of punishment and the other by acts of love. Power based on love is a thousand times more effective and permanent then the one derived from fear of punishment. — Mahatma Gandhi

The force of power never wins against the power of love. At this hour of greatest unrest and turmoil in our world, the greatest force to be reckoned with lies within our hearts — a force of love and tolerance for all. Throughout his life, Mahatma Gandhi fought against the power of force during the heyday of British rein over the world. He transformed the minds of millions, including my father, to fight against injustice with peaceful means and non-violence. His message was as transparent to his enemy as it was to his followers. He believed that, if we fight for the cause of humanity and greater justice, it should include even those who do not conform to our cause. History attests to his power as he proved that we can bring about world peace by seeking and pursuing truth for the benefit of Mankind. We can resolve the greatest of our differences if we dare to have a constructive conversation with our enemy.

Teaching # 2: What difference does it make to the dead, the orphans, and the homeless, whether the mad destruction is wrought under the name of totalitarianism or the holy name of liberty and democracy?

A war always inflicts pain and sorrow on everyone. History has witnessed countless examples of dictators, including Hitler, Mussolini, and Stalin to name but a few, who inflicted sorrow and destruction on our world. A world of peace can be achieved if we learn the power of non-violence, as shown by the life of Mahatma Gandhi.

Mahatma Gandhi has proven that we can achieve the noble causes of liberty, justice and democracy for Mankind without killing anyone, without making a child an orphan, and without making anyone homeless with the damage caused by war.

Teaching # 3: There are many causes that I am prepared to die for but no cause that I am prepared to kill for. — Mahatma Gandhi

We live for our values and passion but at the core of our existence lies our innate desire to live a peaceful life. The greatest noble cause is to display our desire to bring about peace in this world by our own sacrifice and not that of those who oppose our views. The strength of cowardice is in using power to cause death and destruction for others. The strength of courage is in self-sacrifice for the benefit of all.

Mahatma Gandhi sacrificed his own lucrative law practice in Durban, South Africa to lead a simple life and to share the pain of the powerless and destitute. He won over the hearts of millions without ever reigning power over anyone — simply with the power of altruism. We too can bring peace to our world by showing our willingness to sacrifice our self-centered desires. Our utmost cause in life should be to win the hearts of others by showing our willingness to serve causes greater than ourselves.

Teaching # 4: An eye for an eye will only make the whole world blind — Mahatma Gandhi

History can attest to the fact that most human conflicts have been as a result of a stubborn approach by our leaders. Our history would turn out for the better if our leaders could just learn that most disputes can be resolved by showing a willingness to understand the issues of our opponents and by using diplomacy and compassion.

No matter where we live, what religion we practice or what culture we cultivate, at the heart of everything, we are all humans. We all have the same ambitions and aspirations to raise our family and to live life to its fullest. Our cultural, religious and political differences should not provide the backbone to invoke conflicts that can only bring sorrow and destruction to our world.

Teaching #5: We must become the change we want to see in the world. — Mahatma Gandhi

A great leader always leads with an exemplary life that echoes his ideals. Mahatma Gandhi sacrificed his thriving law practice and adopted a simple life to live among the millions who lived in poverty during his freedom struggle. Today, we see modern leaders cajoling the masses with promises that they never intend to keep – let alone practicing what they preach in their own lives. One cannot bring world peace to all unless a leader demonstrates peaceful acts of kindness daily. Mahatma Gandhi believed that we are all children of God. We should not discriminate amongst ourselves based on faith, caste, creed or any other differences.

An outstanding example of Mahatma Gandhi’s leadership was his famous Salt March, which brought about a profound change. On March 2nd 1930, as a protest at tax on salt, Gandhi wrote a remarkable letter to Lord Irwin, the Viceroy of India. He wrote, “Dear Friend, I cannot intentionally hurt anything that lives, much less fellow human beings, even though they may do the greatest wrong to me and mine. Whilst, therefore, I hold the British rule to be a curse, I do not intend to harm to a single Englishman or to any legitimate interest he may have in India…” With these words, he inspired millions to fight for this righteous cause and eventually forced the British to leave India without inflicting harm to any Englishman. Such were the quintessential qualities of justice and peace that made Mahatma Gandhi the man who changed our world for the better with his ideals of faith, love and tolerance.

“Generations to come, it may be, will scarce believe that such one as this ever in flesh and blood walked upon this earth.” – Albert Einstein on Gandhi

Mahatma Gandhi taught us that we can bring harmony to our world by becoming champions of love and peace for all. The task is daunting, but he has shown that a fragile, meekly man of small physical stature can achieve feats of incredible magnitude with a staunch belief to practice peace through non-violence. Will you make a pledge to become the change that you would like to see in this world? I have.

Let the first act of every morning be to make the following resolve for the day:

• I shall not fear anyone on Earth.
• I shall fear only God.
• I shall not bear ill will toward anyone.
• I shall not submit to injustice from anyone.
• I shall conquer untruth by truth. And in resisting untruth, I shall put up with all suffering.

– Mahatma Gandhi

Read more from Shilpan Patel at his blog, Success Soul (or subscribe to his feed).

POSTED: TUESDAY, SEPTEMBER 9, 2008

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