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3 steps to change your financial habits



Raise your hand if you know you could do something to save a lot of money each week, but for one reason or another, you just don’t. Maybe you have a hard time getting together to make a lunch every week or somehow you never find the time to look for a cheaper auto insurance plan. Don’t be embarrassed if this is true for you, as almost everyone I know has these seemingly easy little things that somehow don’t end up happening. If you’d like to conquer one of these items on your list, try my three-step method to change your habits.

Step 1: Find out what’s holding you back.

Pure laziness isn’t a detailed enough answer, as you can almost always find a good solution to a problem if you have enough information to work on. Take some time and give yourself an in-depth question and answer session to identify what’s really holding you back. Note: Be friendly and kind to yourself when asking questions. Don’t be a bad cop to yourself, because he’s not really productive.

For example, if you somehow never find time to prepare lunch, think about all the reasons why you haven’t prepared lunch in the last week:

  • Out of bread.
  • Time’s up.
  • Nothing looked attractive.
  • Simply forgotten.

Or if you keep putting off phone calls (my personal Achilles heel), your reasons might look like this:

  • I wanted to make sure I had everything on hand before calling.
  • Forgotten until it was too late to make the call.
  • I wanted to wait until a moment when I was sure I would not be disturbed.
  • I thought the lines would be too busy on a Monday.
  • I thought Friday was too late in the week to call and Monday would be better.
  • My strange anxiety about phone calls has flared up.

Writing it made me realize that some of my reasons for avoiding phone calls sound a little ridiculous. I’m willing to share them because you probably have pretty stupid reasons for not doing things too. I also want you to know that it’s not a big deal, as we all have our little quirks and weaknesses. The thing is, if you don’t know the reasons why you’re not doing things, no matter how silly they seem, you won’t be able to come up with a workable plan to fix things.

Step 2: Create a plan to fix the problems that keep you from doing what you want.

It is likely that once you understand and articulate the reasons why you are not taking action, you will be able to find one or more viable solutions right away. For example, some solutions to the problem of not preparing lunch could be:

  • Go grocery shopping every Sunday with a list.
  • Packed lunches in the evening as part of your kitchen cleaning chores.
  • Keep your lunch choices fresh and ready to use at eye level in the refrigerator and pantry.
  • Start putting your keys in the lunch box so you don’t leave the house without them.

For my phone call problem, here are some solutions I found and why they work for me.

  • Get everything ready the night before (old bills, checkbook, health card – whatever information I need to make the call as efficient as possible). Keep a pad of paper and pen along with my laptop handy while I make the call. Breaking the task this way makes it seem less intimidating. Having things ready first thing in the morning eliminates a reason to procrastinate. It also makes me feel more confident that I am prepared and united, which is important to me.
  • Call first thing in the morning the day I have decided to have them. This may not be the program that efficiency experts would recommend, but as someone who is reluctant to make phone calls, I have found that I will let it slip my mind until after business hours if I don’t do them first in the morning.
  • Do my best to schedule calls when I know I’ll be home alone. Again, do it first so that it doesn’t convince me to put it off because “the kids will be home soon” or for some other reason. Give me a pep talk about if the person on the other end of the phone thinks I’m a loser because I don’t have a butler to let the AC repairman in, well, that’s their problem.
  • Plan to do something fun after making the phone calls to reward me for biting the bullets and getting things done. At first, I was reluctant to celebrate these small victories because it seems that adult people don’t have to be rewarded for doing adult things. Then I decided that if it works, why not? Now I usually plan to run fun, away from home on errands after making my dreaded phone calls.

Step 3: Take the time to make it happen.

Until your new habits are well established, it will take a conscious effort on your part to schedule the time it takes to make things happen. Even if it sounds silly to write “Saturday 16: make the shopping list. Sunday at 10: go to the supermarket ”on the calendar, do it. In fact, it’s a good idea to write down a list of all the things you need to do each day or week to reach your goals and cross them off when they’re done. This not only serves as a useful reminder, but is also a good way to measure your progress.

I have found that it helps to break down tasks into chunks. For example, I have a separate business to collect documents for a phone call the night before and the actual phone call. Now, there’s no reason why I couldn’t just group the two together in one task, but the truth is that most of us just have so much mental energy to go around and it’s psychologically easier to accomplish a task if much of the prep work is already out of the way (and it’s easier to do the prep work if you know you can take a break later!). Another example of putting this into place would be cutting and bagging fruit, vegetables, and cheese for a full week’s lunch, so all you have to do is grab one and put it in your lunch bag every night.

Sometimes you can use closeness and momentum to get things done. That’s why making lunch when you’re already in the kitchen and putting dinner away works well for most people. This is also why I make a series of phone calls at the same time instead of distributing them throughout the week. It seems to work best when grouping similar businesses with similar businesses to harness momentum.

You should also consider when your mental energy is greatest to decide when to perform tasks that require a lot of willpower and / or concentration. Since I hate making phone calls so much and I get tired, I’m going to do those first things in the morning when I’m at their peak. Night owls might do better to wait until late afternoon. It’s also good to accept that doing things that seem difficult or unnatural to you will be exhausting, so try to balance that by doing things you can accomplish on autopilot.


Don’t feel like you have to rely on willpower alone to make positive changes. Instead, understand your personal reasons why change is difficult, make a plan that incorporates your personality and lifestyle instead, and take the time to turn these changes into habits.

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Download Toffee APK 1.1.8 for Android



Download Toffee APK 1.1.8 for Android

Toffee TV is the perfect app for android users who love to watch their favorite shows. This app contains a lot of popular channels like ESPN, TNT, AMC, FOX, etc., and all of them are updated on a regular basis so you’ll always be up-to-date on the latest content. Plus, the app is free to download! So what are you waiting for? Start watching your favorite shows now!

Toffee TV Apk features:

Are you looking for a good way to spend your weekend? Why not check out Toffee TV? This live streaming app has tons of content to choose from, including your favorite shows and movies. You can also explore new options, like watching exclusive content and live streaming events. The app also has a built-in search feature so you can find what you’re looking for quickly and easily. Don’t wait any longer! Download Toffee APK now and start streaming your favorite shows and movies this weekend!

Toffee TV Apk Key Features

Toffee TV is an amazing app that brings live and on-demand content from a variety of sources right to your Android device. With its huge library of content, you’ll never run out of things to watch. You can also use the app to chat with other users in real time, or catch up on your favourite shows while away from home.

How to download and install the Toffee TV Apk?

If you are looking for a great way to enjoy your entertainment, look no further than Toffee TV. This app offers a wide range of content including live and on-demand TV shows. You can watch them without any ads or commitments, making the experience free and hassle free. Plus, the app is available for free from the Google Play Store so there’s no need to search for it anywhere else!

Download APK


What are the profits and consequences of downloading the Toffee TV Apk File directly?

When it comes to the Toffee TV Apk File, there are a few things you need to be aware of. The app is a full-fledged android app that can be downloaded from the Google Play Store. It offers features such as live streaming, video recording and more – making it one of the most sought-after apps on the store. However, like any other app, there are also profits and consequences associated with downloading and using this file directly – legal and illegal alike. Before anything else, make sure you understand where this apk comes from – if not legal or safe to download then disregard this article! Additionally remember that no matter what people say about downloading free apks without paying for them – always practice caution when doing so because unauthorised access could lead to serious problems down the line. Sooner rather than later someone might get hurt as a result!

Screenshot and Image

With so many channels and shows to choose from, it can be hard to make a choice. Toffee TV Apk not only offers you a wide range of live channels but also on-demand content for when you don’t have time to watch the show live. The app includes features like DVR so you can record your favorite shows and play them back later, as well as parental controls that let you control what your children watch. In short, this is an excellent way to get all the entertainment you need without having any big bills looming over your head!


Toffee TV is an Android app that offers a wide range of content, all completely free to download and use. This includes movies, TV shows, live streaming options – even international channels! The app provides a convenient way to watch your favorite shows and movies without ever having to leave the comfort of your own home. In addition to this great selection of content, Toffee TV also has features like bookmarks and notes for easy reference. Overall, it’s an excellent Android app that should be on everyAndroid user’s list!

What’s New

There’s always something new to check out on Toffee TV, so be sure to keep an eye out for the latest updates! Recently, we’ve revamped our app with a sleek and modern design. You can now pause and rewind live TV streaming, watch your favourite shows anywhere you go – even when you’re offline – and access your DVR recordings right from within the app. We’ve also got lots of exciting new features planned that we hope you’ll enjoy! So make sure to check back regularly – there’s never been a better time to join the Toffee TV community!


Toffee TV Apk is a great app for android users that offers a variety of content, including live streaming of major sports events. The app is simple to use and offers a great experience for users. Make sure to download Toffee TV Apk and enjoy the latest live sports events!


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Money saving benefits of being a stay-at-home mom



stay at home mom
It’s no secret that I’m a huge fan of stay-at-home moms. I know the choice is not the right one for everyone. For one thing, staying at home is often a chore and it’s also a lot more stressful than many jobs out there. However, there are also many benefits, the main one being how much money you can save. Let me share with you some of the money saving benefits I have experienced staying at home.

Multiple home cooked meals

Working 40 hours plus looking after my kids all day was stressful. Dinner wasn’t being prepared because who has time when you have to go to the office and spend more time commuting? As a result, we were constantly short of fast food. I was constantly trying to stay awake and alert even with Starbucks racing. When I went shopping, I was so stressed out and sleepless that I wasted money on food that was eventually thrown away. Why should I bother working so many hours if I was just going to waste all that money (and my precious time) on food costs? I ended up cutting my working hours dramatically and all these expensive food costs disappeared automatically.

Less money spent on appearances

Of course I care about my appearance and I don’t want to be in my pajamas all day, but I need a very limited wardrobe as a freelance stay-at-home mom. My current closet consists mostly of jeans, tunic tops, and some dresses. My bosses and colleagues don’t care that my roots need to be retouched and my nails haven’t seen a drop of polish in over a year, but employees who go to the office every day are usually expected to have a certain look. all the time, not to mention that sometimes there is unspoken competition between peers.

Less stressful shopping

Does anyone else shop or eat when stressed out? When I was doing the 40-hour workweek, I was also shopping online a lot more. I was constantly buying to take my mind off the stress. I also kept putting the cookies in my mouth.

My husband is more motivated to earn more

I am truly grateful that my husband is a wonderful provider for our family. He has the kind of job that allows employees to grow with the company or stay in their position for the rest of their life. Since my husband knows we rely on his income he is always motivated to pursue higher positions and do what needs to be done for raises. I know this is not the case for everyone, but I am grateful that my husband is fighting hard for me to stay home with the children.

No childcare costs

I’ve looked into the costs of childcare and kindergarten, and it’s just amazing how expensive it is. It would be depressing to see more than $ 2,000 a month in childcare even if you had a full-time, well-paid job. Some moms find that the costs of childcare with a baby are still profitable for their jobs. Other moms find that having more than one child in custody can consume their entire salary and staying home is a financially smarter move temporarily.

Honestly, being a stay-at-home mom is what I want to do. I encourage all other parents who want the same thing to take a look at their budget and see if it’s possible. Sometimes it’s a question of what you have to sacrifice in order to be able to stay home with your children. I know as far as I’m concerned, I’d move into a one-bedroom house, cut the cables, and get off to a car if I had to. If staying home with your kids is so important to you, you will find a way to make it work. Adjusting to a new lifestyle won’t be easy, but the benefits will be worth the sacrifice.


Stay at home parent or working parent – the best choice is the one that works for your unique family. Whatever you are, share your favorite ways to save money each month.

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Why is it so difficult to save money when you are poor



We all agree that living from pay to pay is not an ideal situation. And it’s just as obvious that people who do this still need to save their money and build a financial cushion so they can finally feel safe.

Unfortunately, the basic rules for saving money are simple but Not easy, especially if you are already behind the financial ball.

Here are three reasons why it is so difficult for people in poverty to improve their situation:

1. Lack of opportunity

There is a reason for the term “banker’s time”. Most banks are only open Monday to Friday from 9am to 5pm. For many of us, this is a little pain in the neck, but not a big deal.

But someone struggling with their finances and also relying on public transport will find that bankers’ schedules are a huge problem. How do you collect your paycheck if you can’t get to the bank before it closes?

This is further complicated if you don’t have any banks. About 4.5 percent of Americans live “without a bank”, in the sense that they have no bank account. They can’t collect their salary without paying the privilege, let alone set up a direct deposit and remove the trip to the bank from the equation.


2. Lack of initial investment

Let’s say you need to move to a new apartment. You find a place where you can afford the $ 500 monthly rent, but to move in, you have to write your landlord a check for the first and last month’s rent. It’s okay, but they also need a security deposit, which you can’t find.

Alternatively, you can move to a budget motel which costs $ 35 a night. You’ll end up spending over $ 1,000 to stay there for a month, but you don’t have to shell out $ 1,500 all at once. The apartment is clearly the cheapest option, but without the initial investment you cannot take advantage of it.

This is also why fast food is so often a staple of the poor workers’ diet. According to behavioral economist Dan Ariely:

“So imagine going to a new house tomorrow without food and having to start equipping a kitchen. And you wanted to buy salt and pepper and olive oil and pots and pans. You should invest a lot of money to be able to eat cheaper. Or you can go to McDonald’s. So it is even difficult to create the conditions for living efficiently ”.

David’s Note: What Emily is describing is more common than you think. We’ve had the same cleaning lady (well, actually a cleaning family) coming to help us around the house every few weeks for years now. One day we noticed they drove by with a brand new car. We were surprised because the old one looked brand new so we asked them to try to teach them that changing cars all the time is a big waste of money. As we talked, they shared with us that the reason they had to change cars was that their car broke down. It turns out they could scrape together enough to rent a new car with what they can get by selling the old car that broke down but didn’t have the money around to fix it. Damn!

Another couple of years have passed and they have since changed cars again. If they had only had some savings, they would have saved tens of thousands of dollars on car ownership alone.

These problems create a vicious cycle: you spend more money than you can afford because you can’t afford the investment needed to save money in the long run.


3. Lack of time

In 2012, a study found that households with an income above $ 100,000 were twice as likely to use coupons as families earning less than $ 35,000.

This seems counterintuitive as low-income households have a greater need for coupon savings. But one of the big differences between high- and low-income families is the time it takes to cut coupons.

Although Americans across the income spectrum feel short on time, those living in poverty may be spending their time dealing with problems that could have been prevented with more money. For example, if you have to choose between car maintenance and grocery shopping, you will probably choose grocery shopping, until the car breaks down and you have to deal with the problem immediately.

If you constantly put out fires, it can be difficult to find the extra time to sit down with paper coupons and Sunday clips.

The bottom line

Saving money is possible at any income level, but it is an important first step for those on the lower end of the spectrum to recognize the ways their situation makes it more difficult to save. Only then can they begin to find solutions, as it is much more difficult to overcome a difficult situation if you cannot recognize all the ways in which it is affecting you.


What else would you add to this list?

Editor’s Note: Did you know about the service called $ 5 meal plans? For $ 5 a month, they send you recipes of delicious, healthy, yet affordable food that costs just $ 5 a meal.

Several of my friends have signed up and can eat more at home because the instructions are easy to follow, making everything more convenient. The deal also includes shopping lists, which save them so much time. Check it out for yourself by clicking here and you too may be able to save more and become healthier at the same time.


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