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Tips for Saving Money on Daily Living Expenses

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Saving money puts you in a better financial position, whether you want to invest for retirement or just give yourself some breathing room each month. If you can find a way to pay less for the things you need on a consistent basis, you can end up with hundreds, if not thousands of extra dollars each month. Properly invested, this could snowball to help you retire early – or accumulate wealth even on a modest salary.

Let’s take a look at how you can save money on all your biggest monthly expenses.

Rent and Mortgage Payments

Housing is typically your biggest expense. So how can you lower your rent or mortgage payments?

  • Move to a cheaper area. For starters, you could move to a less expensive area. Chances are, if you move to a different neighborhood nearby, you can find cheaper houses, lower property taxes, or both.
  • Reduce your square footage. The bigger the house, the more you’re going to pay. Do you really need all that extra space? Reducing the square footage of your house may be more than enough to sharply reduce your monthly payments.
  • Refinance or renegotiate. Consider refinancing your home if you currently have a significant monthly mortgage payment. In many cases, you can score a better interest rate and reduce your payments significantly. You may even be able to pay off the home faster. Alternatively, if you’re renting, you can consider renegotiating your lease with your landlord.

Car Insurance and Fuel

If you drive regularly, car insurance and fuel costs can add up to drain your budget.

Here’s how you can save:

  • Get new quotes. Start by getting new auto insurance quotes from a variety of different providers. Even if your policy remains exactly the same, you may be able to find lower premiums with a different company. Otherwise, consider tweaking your policy (such as increasing your deductibles) to keep your monthly payments low.
  • Lower your risk profile. You can also reduce your car insurance premiums by reducing your risk profile. Maintaining a clean driving record, living somewhere safe, and driving fewer miles can all help you do this.
  • Take public transportation (or bike). You can eliminate your car insurance and fuel expenses if you decide to take public transportation or bike to everywhere you need to go.

Groceries

Everyone needs to eat. But many of us pay too much for our groceries.

Here’s how you can cut costs:

  • Figure out the most cost-effective groceries. Feel free to splurge on your favorites on an occasional basis, but on a regular basis, try to prioritize the most cost-effective groceries. Items like oats, lentils, and legumes are very healthy, easy to prepare, and ridiculously cheap.
  • Look for sales. Keep an eye out for sales from your favorite grocery stores. You can often get food items for half price (or even less) this way.
  • Buy in bulk. Consider joining a wholesale club or warehouse club to score great deals when buying groceries in bulk. This isn’t always cost-advantageous, so make sure you do the math.

Utilities

Your water, electricity, and natural gas bills don’t have to be so expensive. Here’s how you can minimize them:

  • Invest in appliance upgrades. Though buying and installing a new appliance can be a hefty upfront expense, it can often save you a ton of money in the long term. Energy-efficient appliances like refrigerators, washing machines, ovens, and dishwashers can all pay for themselves eventually.
  • Compare electricity plans to find one that is less expensive, more efficient, and has better service. A Pennsylvania resident, for instance, wants to save money on electricity, he or she can compare, choose and switch to the best electricity provider in Pennsylvania.
  • Turn things off. It’s a simple strategy, but an effective one; turn things off when you aren’t using them. That means turning off lights when leaving a room and turning down the heat (or cooling) when leaving the house.
  • Minimize your consumption. You can also work to minimize your consumption overall. Take shorter showers. Reduce the heat. Try to do all your cooking at the same time.

Entertainment

Your entertainment expenses are arguably the easiest ones to cut, since they’re not strictly “necessary.” For example, you can:

  • Learn to cook. Instead of going out to eat or ordering food, consider learning how to cook. You’ll save money, have fun, and possibly eat healthier along the way.
  • Get a library card. Cancel a couple of your streaming subscriptions and get a library card for your media instead. Everything’s free at your local library.
  • Find fun for free. Find new ways to have fun that don’t involve spending money, like hiking in the woods or foraging for mushrooms.

Cutting these costs may not be fun and you may have to make some sacrifices along the way. But if you manage to follow these strategies consistently, you could greatly improve your financial position – and set yourself up for a much brighter future.

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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Lifestyle

Douglas Eugene Noll – A walk through his publications and their achievements made so far

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Every author has a different story, but they have one thing in common – they all overcome great obstacles and hardships. Plenty of famous writers had impairments yet found enormous success in their lives. It goes without saying that the best art comes out of the worst adversities. When physical and mental activity is hindered by sickness, creative activity thrives. Many renowned authors, writers, and poets bear witness to this decision. One such example is Doulas Eugene Noll. The author of De-Escalate: How to Calm an Angry Person in 90 Seconds or Less was born with multiple severe impairments. 

His calling is to serve humankind, and he does so on numerous levels. He is a best-selling author, educator, and trainer. He is an accomplished mediator. Noll’s job takes him from international work to assisting people in resolving highly vexing interpersonal and ideological problems. 

Noll has penned four books, and his latest book De-Escalate: How to Calm an Angry Person in 90 Seconds or Less, was a best-seller on amazon and was published in four different languages. It also won the Book Excellence Award in 2017. The book teaches the readers how to calm an angry or upset person of any age while remaining centered and calm. In addition, Noll, in his book, has also highlighted ways to calm oneself down swiftly and efficiently. Noll is a lawyer turned peacemaker born near-blind and with club feet. He is the creator of several online courses that teach his innovative de-escalation skills.

It was in the year 2000 that he realized that the courtroom was not where he belonged. As a result, he embarked on a journey as a peacemaker and mediator after leaving a successful trial practice. Noll has stressed in his book what he has implemented in real life. He has taught in some of California’s most violent men’s and women’s prisons with substantial outcomes. Noll held workshops for groups who wished to bring something positive into their communities. 

He named that workshop after his book as De-escalation training workshops, where participants learned how to calm an angry person in 90 seconds or less. The training workshop was a perfect way for churches and faith communities to express one’s religious and spiritual beliefs in a practice that brings peace under challenging situations. Throughout ten weeks, the participants begin to master the skills and change their way of looking at the world through the lens of positivity. 

In addition to De-Escalate, Noll has published three other books named Peacemaking: practicing at the intersection of law and human conflict, Sex, politics, & religion at the office: the new competitive advantage, and Elusive peace: how modern diplomatic strategies could better resolve world conflicts. Each book brought an impact of its own and earned recognition. 

His journey as a lawyer

In 1977, Noll began his legal career as a clerk for the Honorable George Hopper before being admitted to the California Bar in December of the same year. As an associate, he joined Fullerton, Lang, Richert & Patch, a Fresno law firm located in Fullerton, in 1978. He tried his first legal case in 1978 and went on to practice law as a civil trial lawyer for the next 22 years, working on over 75 trials.

Douglas Noll contributed to the legal profession by assisting students in achieving success via education and teaching. Throughout his career, he worked as an instructor in various positions at numerous institutes. Noll was a member of the American Institute of Mediation’s core faculty and the Straus Institute’s Professional Skills Development program’s summer faculty.

In a nutshell, Noll’s entire life has seen him reinvent himself taking different routes but with the same vision in mind: To bring peace to the communities. He illustrates that being born with impairments is not our choice, but not allowing them on the way to the top is entirely our choice. 

His dedication to disclosing the world through a lens of positivity led him to create Prison in Peace, where he transforms murderers into peacemakers. He stresses that the power of mediation cannot be overlooked. Noll is now an award-winning author, teacher, trainer, and skilled mediator. 

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