+
upworthy
Family

5 things you can do to catch up if you overspent on the holidays.

It's easy to overspend. Here's how to reel things back in.

Oh, January. How we love you and also hate you.

It's so good to have the hubbub from the holidays fading out and a slower pace setting in, but then the bills come. Whether you put holiday spending on credit or are just short on cash from the constant outpour that seems to happen, some strategies for pulling ahead financially could come in handy.

Here are five relatively easy things you could do to generate some cash and dig out faster.


1. Play with some dogs.

If you love dogs and you can have them at your place, why not take in some darling pooches on the weekends or other times when you'll be home? It's work, but it's not work-work (because snuggles!).

Two sites where you can plug and play to get connected to customers looking for dogsitters are Rover.com and Dogvacay.com (some sites include other pets as well!). You can set your own rate based on the market around you (for instance, $40 per night, if that's the going rate) and the companies take a small percentage in return for insuring you and the dog.

Why is the Netflix all upside down? Image by Carlos Pacheco/Flickr.

2. Consider letting people pay to stay at your place for short stints.

If you're going to be gone for a trip yourself you can spiff the place up and Airbnb it. Or if you have a guest room and can handle being a thoughtful host, you can rent it out while you're home.

Airbnb is a site that lets residents and travelers connect to arrange temporary stays (as an alternative to a pricier hotel, usually). It's not without its risks, but you can screen potential guests by checking reviews from previous hosts they've stayed with. Another site that can connect you with temporary renters is Vacation Rental By Owner, but that's usually for solo access to your pad while you vacate the premises.

You don't have to have a swanky pad to host guests. Just a clean, comfy, fairly-priced space. Image via Lochoaymca/Wikimedia Commons.

3. Have that rummage sale now instead of waiting for the summer.

If you have an accumulation of items you're storing away with the intention of having one big weekend sale, try something different. Facebook features local rummage sale groups in nearly every city, and often the members sell items one at a time. So take a picture, post it, and see if anyone's interested. You could wind up with a cleaner home and extra cash for paying off your cards.

Screenshot from Facebook.

4. Teach a course online if you have a special set of skills to share.

Through Udemy or Skillshare, you can create a course based on skills you are proficient in and enroll online students. Are you able to teach coding, YouTube optimization, marketing basics, or social media strategy? You could be sitting on extra cash you can use to pay off debt!

Screenshot from Udemy.

5. Re-evaluate the level and scope of gifting you do annually.

Giving is so fun! It feels so good to have a little something for people you appreciate in your life. But the truth is, for a lot of us, it's become an unsustainable strain in this economy.

It's not worth it to push ourselves into debt to fulfill what we think we have to do to keep up with expectations.

Does your extended family give every adult family member gifts? Talk with them and let them know you'd rather do a gift exchange.

Consider handmade gifts. It sounds hokey but believe it or not, people often really love getting something so personal — it feels like being part of your real inner circle to get something someone made themselves.

I made jars of preserved lemons last year, and including all supplies, ingredients, and decorative ribbon, it cost me about $30 to have a little gourmet-something to give to about 15 people I wanted to have a gift for.

What tastes better than not being in debt? Image by Jules/Flickr.

With a little forethought and planning, you can set yourself up to spend much less next year and stop the cycle of debt.

Go forth, you generous gifter, you. May the winds of financial resourcefulness propel you forward.

All images provided by Prudential Emerging Visionaries

Collins after being selected by Prudential Emerging Visionaries

True

A changemaker is anyone who takes creative action to solve an ongoing problem—be it in one’s own community or throughout the world.

And when it comes to creating positive change, enthusiasm and a fresh perspective can hold just as much power as years of experience. That’s why, every year, Prudential Emerging Visionaries celebrates young people for their innovative solutions to financial and societal challenges in their communities.

This national program awards 25 young leaders (ages 14-18) up to $15,000 to devote to their passion projects. Additionally, winners receive a trip to Prudential’s headquarters in Newark, New Jersey, where they receive coaching, skills development, and networking opportunities with mentors to help take their innovative solutions to the next level.

For 18-year-old Sydnie Collins, one of the 2023 winners, this meant being able to take her podcast, “Perfect Timing,” to the next level.

Since 2020, the Maryland-based teen has provided a safe platform that promotes youth positivity by giving young people the space to celebrate their achievements and combat mental health stigmas. The idea came during the height of Covid-19, when Collins recalled social media “becoming a dark space flooded with news,” which greatly affected her own anxiety and depression.

Knowing that she couldn’t be the only one feeling this way, “Perfect Timing” seemed like a valuable way to give back to her community. Over the course of 109 episodes, Collins has interviewed a wide range of guests—from other young influencers to celebrities, from innovators to nonprofit leaders—all to remind Gen Z that “their dreams are tangible.”

That mission statement has since evolved beyond creating inspiring content and has expanded to hosting events and speaking publicly at summits and workshops. One of Collins’ favorite moments so far has been raising $7,000 to take 200 underserved girls to see “The Little Mermaid” on its opening weekend, to “let them know they are enough” and that there’s an “older sister” in their corner.

Of course, as with most new projects, funding for “Perfect Timing” has come entirely out of Collins’ pocket. Thankfully, the funding she earned from being selected as a Prudential Emerging Visionary is going toward upgraded recording equipment, the support of expert producers, and skill-building classes to help her become a better host and public speaker. She’ll even be able to lease an office space that allows for a live audience.

Plus, after meeting with the 24 other Prudential Emerging Visionaries and her Prudential employee coach, who is helping her develop specific action steps to connect with her target audience, Collins has more confidence in a “grander path” for her work.

“I learned that my network could extend to multiple spaces beyond my realm of podcasting and journalism when industry leaders are willing to share their expertise, time, and financial support,” she told Upworthy. “It only takes one person to change, and two people to expand that change.”

Prudential Emerging Visionaries is currently seeking applicants for 2024. Winners may receive up to $15,000 in awards and an all-expenses-paid trip to Prudential’s headquarters with a parent or guardian, as well as ongoing coaching and skills development to grow their projects.

If you or someone you know between the ages of 14 -18 not only displays a bold vision for the future but is taking action to bring that vision to life, click here to learn more. Applications are due by Nov. 2, 2023.
Health

Artists got fed up with these 'anti-homeless spikes.' So they made them a bit more ... comfy.

"Our moral compass is skewed if we think things like this are acceptable."

Photo courtesy of CC BY-ND, Immo Klink and Marco Godoy

Spikes line the concrete to prevent sleeping.


These are called "anti-homeless spikes." They're about as friendly as they sound.

As you may have guessed, they're intended to deter people who are homeless from sitting or sleeping on that concrete step. And yeah, they're pretty awful.

The spikes are a prime example of how cities design spaces to keep homeless people away.

Keep ReadingShow less
Joy

Doting husband serves as stylist for his wife of 25 years and it's the sweetest thing

The way he talks about "Flower"—his nickname for his wife—is a testament to lasting love.

Talk about an adorable couple

If there's one thing pretty much all humans love, it's love—love that works, love that lasts, love that inspires. Literature is full of love stories filled with heartache and heartbreak, but we always hold out hope that a relationship will not only endure but blossom.

Such a love feels rare enough that we marvel when we see it, which is why the Motivat family has gained a loyal following on Instagram. The elder Motivats (Dr. Jones and Dr. Beatrice) have been married for 25 years, and their daughter shares their sweet interactions on the Instagram account @queenmotivat.

One of the hallmarks of the couple's long-time love story is that Dr. Jones loves to pick out clothes for his wife. And not just any clothes—beautiful dresses and gowns, along with jewelry to go with them—and his enthusiasm for seeing "Flower" (his nickname for her) dressed up is incredibly sweet.

Keep ReadingShow less
@davidcsmalley/TikTok

But can she start it?

David C. Smalley, a comedian and podcaster, regularly gives us some generational humor by exposing his 19-year-old daughter Talissa to relics of the past. You know, things like CDs, phonebooks, remote controllers…feeling old yet?

Recently, Smalley challenged Talissa with navigating a standard U-Haul storage truck. She had to 1) unlock the door 2) roll down a window and 3) start the engine.

For those of us who grew up before the 90s, this might sound like the easiest challenge ever. But apparently, for Gen Z, it’s like being asked to maneuver a horse and buggy.
Keep ReadingShow less

Know the signs of a domestic abuser.

Most abusers don't start their relationships by hitting their partners. That's why early warning signs are vital to recognize.

I know two women who recently left abusive partners. Both men seemed sweet and likable—even gentle—each time I saw them. Both had some lovely qualities as people and even as partners. And both turned out to be controlling, increasingly abusive partners behind closed doors.


Keep ReadingShow less
via Hunger 4 Words / Instagram

Christina Hunger, 26, is a speech-language pathologist in San Diego, California who believes that "everyone deserves a voice."

Hunger works with one- and two-year-old children, many of which use adaptive devices to communicate. So she wondered what would happen if she taught her two-month-old puppy, a Catahoula/Blue Heeler named Stella, to do the same.

"If dogs can understand words we say to them, shouldn't they be able to say words to us? Can dogs use AAC to communicate with humans?" she wondered.

Keep ReadingShow less
Health

Belgian Olympic marathoner breaks down in tears of disbelief upon hearing she finished 28th

38-year-old Mieke Gorissen had only been training for three years and the Olympics was just her third marathon.

Imagine deciding to take up a hobby that usually requires many years to perfect at age 35, and three years later ending up in the top 30 in the world at the highest international competition for it.

That's what happened to a 38-year-old math and physics teacher from Diepenbeek, Belgium. According to Netherlands News Live, Mieke Gorissen has jogged 10km (a little over six miles) a few times a week for exercise for many years. But in 2018, she decided to hire a running trainer to improve her technique. As it turned out, she was a bit of a natural at distance running.

Three years later, Gorissen found herself running her third marathon. But not just any old marathon (as if there were such a thing)—the marathon at the Tokyo Olympics. And not only did she compete with the world's most elite group of runners, she came in 28th out of the 88 competing in the race.

Keep ReadingShow less