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Money management: We’re all dealing with it, and we’re all a little confused.

Money management doesn’t have to be a nightmare. Here are three quick ways to turn your finances around.

Work isn’t just a part of our lives, it’s one of the biggest parts.

Some people may only be obligated from 9 to 5, but with smartphones and evolving work cultures, we’re connected 24/7. A lot of us are logging over 70 hours each workweek because our phones enable us to take our work with us.

Jennifer J. Deal, Ph.D., author of "Always On, Never Done?" reports that remaining connected to work for so many hours each week leaves employees "only about 3 hours on workdays for 'discretionary' activities such as being with their family, exercising, showering, and all of those chores at home that someone has to do."


Only threehours per workday. We’re essentially never "off."

Despite working nearly nonstop, when payday rolls around, a lot of us can be left feeling like we'll never make enough.

GIF from "Finding Nemo."

Rent and mortgages, car payments, groceries, gas, nights out, pet emergencies, extracurriculars for the kids, family obligations — all of this takes a toll on our bank accounts.

It can feel like money is flying out of our accounts faster than it’s coming in. We’re working all the time but feeling like we’re just making it. We know we need to get a grip on our finances but have no idea where to start.

Here are three simple steps toward total financial domination.

1. Saving should be a part of the plan.

We hear it all the time: Save, save, save. Save for retirement. Save for emergencies. Save for travel. Figuring out how to save seems like it’s the holy grail, but how do we make that happen — especially if we feel like our money is already stretched too thin? The easiest first step is to, well, start with baby steps. Drink coffee at work or home instead of from a coffee shop, carry snacks and a reusable water bottle with you rather than buying them, come up with a quirky and fun challenge like saving all the $5 bills you accumulate, start a piggy bank — whatever is fun and doable for you.

2. Then, it all comes down to planning.

Don’t be afraid to budget. Yes, budget. It’s not a dirty word; it’s the way to freedom! Or at the very least the way to some financial flexibility. Take a look at how you’re spending money and figure out which items are needs versus wants.

Pro tip: Laura Shin, a Forbes personal finance writer, suggests keeping necessary expenses to less than 50% of your take-home pay.

Image view Tax Credits/Flickr.

Now, this isn’t always possible. Necessities are what they are, and for some of us, no amount of finagling can get them to that ideal amount.

Alan Dunn, founder of HowtoSaveMoney.com points out that, for some, "the sheer cost of survival may be very close to their total incomes." Still, it’s a pretty good benchmark to aim for, and having insight into your finances is step one on the road to financial security.

Now that you’ve begun to sort out the things you can’t live without, what about the things you want?

3. Give yourself an allowance! No, really.

Once you’ve broken down your finances into needs versus wants, build an allowance into your budget. Doing that gives you clear parameters — how much you can spend in a given pay period on things that aren’t necessities — and makes it easier to stay on track without feeling like you’re never able to treat yourself.

Make it easy for yourself to stay "on track." Image via Ben Sutherland/Flickr.

It's as simple as setting aside a fixed portion of what remains in your account after bills are taken care of. You may not be able to get everything you want at once — sometimes it’ll take a few months to put aside enough for a big purchase — but with planning, you can indulge a little.

Let's say, after all of your bills and savings are taken into account, you're able to spend $100 per month on anything your heart desires. You're dying to go to a music festival, but the tickets cost $175. It's not the end of the world! You don't have to forgo the festival, and you don't have to break your budget for the month — that would be a slippery slope. Put the $100 aside and wait until the following month when you'll have $200 at your disposal to get the tickets you want, guilt-free.

Payday might still suck…

Money will still leave your bank account at an astonishing rate that makes you believe Hogwarts is real, but you’ll feel more in control once you know where that money’s going and how to make it work for you.

Don’t feel guilty if you hit a few bumps in the road! We’re all navigating these murky money-management waters together.

Pedro Pascal and Bowen Yang can't keep a straight face as Ego Nwodim tries to cut her steak.

Most episodes of “Saturday Night Live” are scheduled so the funnier bits go first and the riskier, oddball sketches appear towards the end, in case they have to be cut for time. But on the February 4 episode featuring host Pedro Pascal (“The Mandalorian,” “The Last of Us”), the final sketch, “Lisa from Temecula,” was probably the most memorable of the night.

That’s high praise because it was a strong episode, with a funny “Last of Us” parody featuring the Super Mario Brothers and a sketch where Pascal played a protective mother.

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AMC Theaters/Youtube, Variety/Twitter

AMC announced that it would be implementing a new three-tier ticketing system.

AMC Theaters, America’s largest movie theater chain, announced on Feb 6 that it will be adopting different ticket prices based on seat location.

Moviegoers will have three tiers to choose from based on sightline of the movie screen—Preferred Sightline, set in the middle at the highest price point, Value Sightline, set in the front of the auditorium at the lowest price, and Standard Sightline, which is basically everything else (including the back seats, which are perhaps the most commonly picked) set at the traditional cost of a ticket.

In other words…heartbreak will feel more expensive in a place like this…or less, depending on where you sit



The company’s announcement was met with both criticism and approval. While some feel the move follows a well-established business model, others have found it to be taking away a valued aspect of the moviegoing experience.

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Photo by alevision.co on Unsplash/ @camerconstewart_uk/Instagram

"Sometimes it pays to learn a language!"

It feels safe to assume that if money were no object, people would always choose to travel business class over economy. After all, who doesn’t want a fast check-in, fancy food and drink choices and more of that sweet, spacious legroom?

However, at anywhere between four to ten times the price of a regular economy ticket, this style of traveling remains a fantasy for many who simply can’t afford it.

Luckily, thanks to one man’s clever travel hack, that fantasy might be more achievable than we realize.

Cameron Stewart, a British photojournalist and camera operator, recently shared how he was able to score business class tickets at a fraction of the price, simply by switching the website language from English to Spanish.
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via Pexels

A mother puts a fresh diaper on her baby.

Scientists at Penn State University have devised a “smart diaper” that alerts parents when their baby is wet. The diaper is made of paper, treated with sodium chloride (salt) and has a circuit board drawn with a pencil.

When the humidity level rises in the diaper, the graphite and the urine are absorbed by the paper and it turns on a sensor powered by a small lithium battery. The sensor then sets the alarm on an app that parents download onto their phones.

“The hydration sensor is highly sensitive to changes in humidity and provides accurate readings over a wide range of relative humidity levels, from 5.6% to 90%,” the researchers at Penn State said in a statement.

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Pop Culture

Kelly Clarkson and Pink's gorgeous unplugged 'What About Us?' duet came with a timely​ message

"We're not listening to each other right now. And it's so loud, and so gross, and so angry…"

Pink and Kelly Clarkson teamed up for a sweet acoustic version of "What About Us?"

Pink and Kelly Clarkson are both known for having powerhouse voices that can belt at incredible ranges but also soften for a sweet ballad. Put the two of them together, and…well, dang.

On Feb 6, Clarkson featured Pink on her daytime talk show, in which she often sings with musical guests. The two superstars sang several acoustic duets with pitch-perfect harmonies, prompting fans of both artists to clamor for a collaborative album.

One song they sang together was Pink's "What About Us?" Pink previously described the song to The Sun in 2017: "The world in general is a really scary place full of beautiful people. Humans are resilient and there's a lot of wonderful—like I said in the song—'billions of beautiful hearts' and there are bad eggs in every group. And they make it really hard for the rest of us."

In the intro to their duet, Clarkson asked Pink about the impetus behind her writing the song.

"We're not listening to each other right now. And it's so loud, and so gross, and so angry and people are being forgotten," Pink shared. "People are being counted out and their rights are being trampled on just because a group of people doesn't believe in them."

"Like, I don't understand how so many people in this world are discounted because one group of people decided they don't like that," she continued. "And I won't—I won't have it. One of the most beautiful things that my dad taught me was that my voice matters and I can make a difference, and I will."

The lyrics of the song seem to address the political leaders and decision-makers who hold people's lives in their hands as they pull the levers of power. It's a beautiful song with an important message wrapped up in gorgeous two-part harmony.

Enjoy:

Pop Culture

Keanu Reeves shocks a small-town pub by stopping in for a pint and taking photos with the staff

“So today we had a surprise visitor for lunch. What a lovely man he was, too."

Keanu Reeves in São Paulo, Brazil, 2019.

Keanu Reeves has a reputation as one of Hollywood’s nicest celebrities. Recently, he cheered up an 80-year-old fan who had a crush on him by calling her on the phone. He’s also bought an ice cream cone for a fan to give an autograph on the receipt and crashed a wedding to take photos with the bride and groom.

He’s also an incredible humanitarian who gave up a big chunk of his money from "The Matrix" to a cancer charity.

The “John Wick” star was his usual gracious self over the weekend when on Saturday, February 4, he and a friend walked into The Robin Hood pub in Tring, Hertfordshire, about 30 miles outside of London.

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