Folks aiming to up their money game should check out these 9 easy ways to save.

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Thinking about setting some financial goals? Here are some tools that could make reaching them easier.

Hey, remember The American Dream^TM?

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 genderto 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 ourshrinking 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 Acornsmake 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.

Here's to a 2016 where you can feel more confident and comfortable with working with what you have. Slowly but surely. One penny at a time.

Ocean Wise

Be Ocean Wise

Planet

Easy (and free!) ways to save the ocean

The ocean is the heart of our planet. It needs our help to be healthy.

Ocean Wise

Volunteers at a local shoreline cleanup

True

The ocean covers over 71% of the Earth’s surface and serves as our planet’s heart. Ocean currents circulate vital heat, moisture, and nutrients around the globe to influence and regulate our climate, similar to the human circulatory system. Cool, right?

Our ocean systems provide us with everything from fresh oxygen to fresh food. We need it to survive and thrive—and when the ocean struggles to function healthfully, the whole world is affected.

Pollution, overfishing, and climate change are the three biggest challenges preventing the ocean from doing its job, and it needs our help now more than ever. Humans created the problem; now humans are responsible for solving it.

#BeOceanWise is a global rallying cry to do what you can for the ocean, because we need the ocean and the ocean needs us. If you’re wondering how—or if—you can make a difference, the answer is a resounding YES. There are a myriad of ways you can help, even if you don’t live near a body of water. For example, you can focus on reducing the amount of plastic you purchase for yourself or your family.

Another easy way to help clean up our oceans is to be aware of what’s known as the “dirty dozen.” Every year, scientists release an updated list of the most-found litter scattered along shorelines. The biggest culprit? Single-use beverage and food items such as foam cups, straws, bottle caps, and cigarette butts. If you can’t cut single-use plastic out of your life completely, we understand. Just make sure to correctly recycle plastic when you are finished using it. A staggering 3 million tons of plastic ends up in our oceans annually. Imagine the difference we could make if everyone recycled!

The 2022 "Dirty Dozen" ListOcean Wise

If you live near a shoreline, help clean it up! Organize or join an effort to take action and make a positive impact in your community alongside your friends, family, or colleagues. You can also tag @oceanwise on social if you spot a beach that needs some love. The location will be added to Ocean Wise’s system so you can submit data on the litter found during future Shoreline Cleanups. This data helps Ocean Wise work with businesses and governments to stop plastic pollution at its source. In Canada, Ocean Wise data helped inform a federal ban on unnecessary single-use plastics. Small but important actions like these greatly help reduce the litter that ends up in our ocean.

Ocean Wise, a conservation organization on a mission to restore and protect our oceans, is focused on empowering and educating everyone from individuals to governments on how to protect our waters. They are making conservation happen through five big initiatives: monitoring and protecting whales, fighting climate change and restoring biodiversity, innovating for a plastic-free ocean, protecting and restoring fish stocks, and finally, educating and empowering youth. The non-profit believes that in order to rebuild a resilient and vibrant ocean within the next ten years, everyone needs to take action.

Become an Ocean Wise ally and share your knowledge with others. The more people who know how badly the ocean needs our help, the better! Now is a great time to commit to being a part of something bigger and get our oceans healthy again.

Prudential

Meet the 18-year-old advocating for teen mental health, one inspiring podcast at a time

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.”

See on Instagram

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.

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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?

Just work hard, go to college, graduate ... and next thing you know, you've got a nice job, spouse, car, and beautiful house.

Here are some things to try that'll have you feeling like Scrooge McDuck in no time.

1. Did you really get the best deal online? This service automatically tracks — and requests — refunds for you if the price drops.

2. Stuff your savings account — one debit card swipe at a time.

3. Dip your toe into the investment pool.

4. Track your spending.

5. Create some financial goals.

6. Make a budget.

7. Up your financial literacy game.

8. Find a bank that doesn't make you want to pull your hair out.

9. Follow a personal finance blog to pick up tips that will work for you.

Here's to a 2016 where you can feel more confident and comfortable with working with what you have. Slowly but surely. One penny at a time.

The ocean is the heart of our planet. It needs our help to be healthy.

The look on her face when she sees the manual window.

The slower tempo and simple instrumentation creates a sadder, more haunting version of the 80s monster hit.

A quick trip to the vet confirmed the cats' and family's suspicions.

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After suiting up...

...and receiving the mission critical sign-off from his wife.

He grabbed his lightsaber and gave it a go. The results ... pretty much speak for themselves (fast-forward to 1:05 for the main event).

There are a couple of things about Lopez's son's reaction that we should talk about.

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His cat even has a carrying pouch so she can go on errands.

Hey, remember The American Dream^TM?