Folks aiming to up their money game should check out these 9 easy ways to save.
Thinking about setting some financial goals? Here are some tools that could make reaching them easier.
Hey, remember The American DreamTM?
Photo via Unsplash/Pixabay.
Just work hard, go to college, graduate ... and next thing you know, you've got a nice job, spouse, car, and beautiful house.
Yeah ... not so much.
While that may never have been a real possibility for some Americans for a multitude of reasons — including systemic discrimination based on one's race, country of origin, or gender to achieve The Dream — one thing is absolutely true: It's harder than ever for millennials to get there. There are countless articles detailing their shrinking salaries, ballooning student debt, and a history of high unemployment rates. Not exactly the most encouraging set of financial circumstances.
GIF via "Finding Nemo."
OK, so a house with a white picket fence might not be in the cards any time soon. But that doesn't mean we're going to let our shrinking wages get in the way of carving out the kind of life we want to live.
And luckily, there are some great innovations in the world of personal finance. We're talking about tools that'll help us save and, you know, still pay the rent.
Here are some things to try that'll have you feeling like Scrooge McDuck in no time.
GIF via "Duck Tales."
1. Did you really get the best deal online? This service automatically tracks — and requests — refunds for you if the price drops.
Image via Paribus/YouTube.
A penny saved is a penny earned and Paribus will help you earn a lot of pennies with no effort. This startup automatically tracks your online purchases and monitors any price changes. If they see that that cat toy you ordered from Amazon dropped in price or you forgot a coupon you could have used during checkout, it automatically requests a refund for you! Sit back and watch the extra pennies roll in.
2. Stuff your savings account — one debit card swipe at a time.
Photo by Matt Cardy/Getty Images.
Apps like Digit and Qapital automatically put aside savings for you in different ways:
Qapital's approach is pretty straightforward: It tacks a little cash onto your everyday transactions — like that morning does of caffeine — and puts it away for you in an account. Picked up a 75-cent pack of gum? It'll round the transaction to a full dollar and put that sweet, sweet quarter away for a rainy day.
For folks who aren't fans of rounded up, there's Digit. After signing up, it looks at your spending patterns over a period of time to see how much it could put away without you noticing. This might be a more comfortable technique for people with inconsistent incomes, like freelancers or small-business owners.
3. Dip your toe into the investment pool.
Results may vary. GIF via "Wolf of Wall Street."
I dunno about you, but the idea of investing makes my head hurt. I sometimes have to breathe into a paper bag when I make my 401k selections. I'm told it's a big decision, but I don't know what the best selection is. WHAT IF I CHOOSE THE WRONG COMPANIES FOR MY PORTFOLIO?!
Apps like Acorns make the process a lot less scary, and it's a huge hit. It takes your spare change when you want (daily, weekly, or monthly) and invests it into startup companies. Then you sit back and watch your investment account grow. The simple approach has been really attractive to young folk: So far, it's helped millennials save $25 million and counting.
4. Track your spending.
Warning: Seeing the numbers might make you want to resort to drastic measures. Photo by stevepb/Pixabay.
Have you ever gone to the ATM only to find your account overdrawn? And you seriously wonder "where in the world did all my money go?!" Services like Mint and Wave break it down for you by tracking your accounts and categorizing your purchases. If you're really in the mood for an automated killjoy, you can get email alerts when it notices you're spending more than usual — Thanks, Mint. I do know I spent more on clothes this month. Wait ... that's how much of my income? Now I know why they say "Ignorance is bliss" — or get texts to remind you when that bill due date is coming up.
5. Create some financial goals.
I mean, you do you ... but be a bit more specific. GIF via "The Fear."
Now that you know where your money is going, it'll be easier to know what sort of goals you want to set. There are a lot of different guidelines out there for saving — from Dave Ramsey's envelope system which doesn't allow ATM visits and requires only spending the cash you have in a categorized envelope to the 50/20/30 rule that prioritizes knowing your fixed costs, figuring out goals, and setting aside some cash for flexible spending. Using that info from a spending tracker, you can figure out which system would work best for you.
Let's say that you hypothetically spend too much of your money on new clothes. You might find Ramsey's envelope system useful because once you spend the cash in your wardrobe budget, you have to wait until next month to indulge ... no matter how great a sale Nordstrom has right now.
6. Make a budget.
Divvy up those monies! Photo by Chris Potter/Flickr.
The thought of making a budget can be daunting because it probably seems so complicated. There are some old-school ways like filling out a Google spreadsheet (there are several great free templates available). Or if you live on the Internet like me, you can try an app called You Need a Budget. It offers a hard-to-ignore way to look at your finances and spending habits in one fell swoop. A spreadsheet would take longer because you have to look up everything and enter it yourself while YNAB is automated after analyzing your spending habits and bills.
You can also stick with the money tracker Mint, which offers to help you establish a goal based on your spending history (or hopeful future) and gives you regular email updates about whether you're overspending in some areas..
7. Up your financial literacy game.
Then maybe we can understand what Nicki is doing here. GIF via VEVO/YouTube.
Knowledge is power — especially when it comes to money. If you've been wanting to know what the heck an investment portfolio is or why should someone should open a checking and a savings account, check out sites like NerdWallet, LearnVest, or MyMoney.Gov. They all provide a space that answers frequently asked questions about different financial terms, offer best practices on borrowing money, and give tips on achieving financial goals like building a savings account. They can make even the least math-inclined person able to become an investor and saver.
8. Find a bank that doesn't make you want to pull your hair out.
Photo by Poster Boy/Flickr.
I still have nightmares from my time as a college student when I was a member of Bank of America. I never understood why they kept charging me fees for being so poor. Didn't they understand that my low account balance meant that an extra $35 meant a lot to me?! I didn't know that using credit unions was even an option.
Sites like A Smarter Choice can help you find the bank that's just right for you. Just put in your location to find branches near you and look for the ones that you're eligible to join — some don't require more than proof that you live in your hometown.
9. Follow a personal finance blog to pick up tips that will work for you.
GIF via "New Girl."
When I decided to be more money-conscious, I was so overwhelmed by all the information out there. I was too busy to read a finance book (or even pick the right one, to be honest), so I found that taking in a little bit at a time was more manageable and useful. Following personal finance blogs like Lifehacker's Two Cents are helpful because they can give you intel on the latest app or offer an easy-to-understand explanation of that financial term you keep hearing but never understood. Even if I'm not able to do anything more than just live paycheck to paycheck, I find the regular visits helpful at least to help me keep my money goals in mind.
I get it: This is a lot of information, but don't feel bad if you don't feel ready to take on all of these tasks. Getting your personal finances in order can be a long journey, so don't get discouraged.
The leading cause of bankruptcy isn't overspending or lack of planning, but health care debt. So it's important to keep things in perspective. These recommendations aren't foolproof measures.
Photo by Olichel/Pixabay.



A Generation Jones teenager poses in her room.Image via Wikmedia Commons
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An angry man eating spaghetti.via 



An Irish woman went to the doctor for a routine eye exam. She left with bright neon green eyes.
It's not easy seeing green.
Did she get superpowers?
Going to the eye doctor can be a hassle and a pain. It's not just the routine issues and inconveniences that come along when making a doctor appointment, but sometimes the various devices being used to check your eyes' health feel invasive and uncomfortable. But at least at the end of the appointment, most of us don't look like we're turning into The Incredible Hulk. That wasn't the case for one Irish woman.
Photographer Margerita B. Wargola was just going in for a routine eye exam at the hospital but ended up leaving with her eyes a shocking, bright neon green.
At the doctor's office, the nurse practitioner was prepping Wargola for a test with a machine that Wargola had experienced before. Before the test started, Wargola presumed the nurse had dropped some saline into her eyes, as they were feeling dry. After she blinked, everything went yellow.
Wargola and the nurse initially panicked. Neither knew what was going on as Wargola suddenly had yellow vision and radioactive-looking green eyes. After the initial shock, both realized the issue: the nurse forgot to ask Wargola to remove her contact lenses before putting contrast drops in her eyes for the exam. Wargola and the nurse quickly removed the lenses from her eyes and washed them thoroughly with saline. Fortunately, Wargola's eyes were unharmed. Unfortunately, her contacts were permanently stained and she didn't bring a spare pair.
- YouTube youtube.com
Since she has poor vision, Wargola was forced to drive herself home after the eye exam wearing the neon-green contact lenses that make her look like a member of the Green Lantern Corps. She couldn't help but laugh at her predicament and recorded a video explaining it all on social media. Since then, her video has sparked a couple Reddit threads and collected a bunch of comments on Instagram:
“But the REAL question is: do you now have X-Ray vision?”
“You can just say you're a superhero.”
“I would make a few stops on the way home just to freak some people out!”
“I would have lived it up! Grab a coffee, do grocery shopping, walk around a shopping center.”
“This one would pair well with that girl who ate something with turmeric with her invisalign on and walked around Paris smiling at people with seemingly BRIGHT YELLOW TEETH.”
“I would save those for fancy special occasions! WOW!”
“Every time I'd stop I'd turn slowly and stare at the person in the car next to me.”
“Keep them. Tell people what to do. They’ll do your bidding.”
In a follow-up Instagram video, Wargola showed her followers that she was safe at home with normal eyes, showing that the damaged contact lenses were so stained that they turned the saline solution in her contacts case into a bright Gatorade yellow. She wasn't mad at the nurse and, in fact, plans on keeping the lenses to wear on St. Patrick's Day or some other special occasion.
While no harm was done and a good laugh was had, it's still best for doctors, nurses, and patients alike to double-check and ask or tell if contact lenses are being worn before each eye test. If not, there might be more than ultra-green eyes to worry about.