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Education

The 25-year-old money-saving 'bible' that millennials and Gen Zers absolutely need to read

This book has saved me thousands of dollars and changed my entire perspective on "frugality."

a jar of coins spilled onto the floor
Photo by Josh Appel on Unsplash

"The Complete Tightwad Gazette" offers timeless money-saving advice.

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Let me start by saying that young adults these days absolutely do have economics stacked against them. There's no question that stagnant wages, the unaffordability of housing, outrageous college costs, post-pandemic inflation and good ol' American corporate greed have all combined to create a tough financial reality for us all, but particularly for the millennials and Gen Zers who are starting off their adult lives feeling already underwater.

If you're in that boat, allow a Gen X auntie to give you some sage advice. Absolutely, rail against the man and shake your fist at the skyscrapers and vent on TikTok if it makes you feel better. But also, none of that is going to change super soon, so you've got to own what you actually have control over, and that's managing the money that you do have (however little it may be).

When my kids were little back in the early 2000s, my husband and I were living on one not-at-all-amazing income. I had been raised quite frugally, so I was comfortable penny-pinching as needed, but I was looking for more creative ways to stretch our dollars.

I had no idea how much one book would change my entire view of saving money—or how much money it would actually save me over the years.


"The Complete Tightwad Gazette," by Amy Dacyczyn (pronounced "decision") is exactly what it sounds like—a newspaper for tightwads—only in this case "tightwad" isn't used as an insult. From 1990 to 1996, Dacyczyn published a newsletter about frugal living as a lifestyle called "The Tightwad Gazette," and this book is a compilation of her life's work.

The book offers a combination of overarching mindset shifts and specific tips for saving money on specific things. Some of the advice is outdated now ("Do I really need a computer?" is a no-brainer question in a way that it wasn't in the early 90s, for instance), but the principles underlying pretty much everything in the 959-page tome still ring true. Now that my kids are young adults with their own financial experiences, I find myself passing along a lot of Dacyczyn's frugal wisdom to them.

Here are a few of the helpful bits of wisdom it contains:

1. Pennies matter a lot more than you think.

If I told you I was going to hand you $200 in cash every year on your birthday, you'd probably be thrilled. But if I gave you three pieces of advice that each saved you 20 cents a day, would you be as excited? Probably not. But the latter would actually put more money in your pocket (the equivalent of handing you $219 on your birthday) in the long run.

Lots of small amounts add up to a large amount, and when you wrap your head around that concept, small money-saving decisions start taking on greater importance. Pennies really do add up—both positively and negatively.

2. Think of saving money as income—literally.

"A penny saved is a penny earned" is an old saying, but a useful one to help us understand the value of going out of your way to save a few cents.

Let's say your closest gas station sells gas for $4.39 a gallon. A station down the street, two minutes away, is selling it for $4.29 a gallon. To fill a 15-gallon tank would only cost $1.50 less at the second station—not even enough to buy a cup of coffee. Is that really worth your time?

Let's calculate. If you think of saving money as earning income, you're taking two minutes to "earn" $1.50. That's $0.75 a minute—translate that into an hourly income, and you've earned the equivalent of $45 an hour, simply by driving two minutes to save 10 cents a gallon. Even accounting for the gas it took to drive a few extra blocks—less than 10 cents—you still come out with a hefty hourly wage.

This "time x money saved = hourly income" equation was a life-changing perspective shift for me. If it only takes a minute or two to save a dollar, that's a solid hourly earning.

3. Use the absolute smallest amount necessary to do the job.

This is simple common sense when you say it out loud, but most of us don't live this way in reality. We use more than we need of most consumable things most of the time, simply out of habit. When you pull out that string of floss, so it wraps around your fingers four times? What if you pulled out less and only wrapped it three or two times?

Start by cutting the consumables you use on a daily basis back by half—everything from toothpaste to dish soap to shampoo to toilet paper. We all get excited about 50% off sales, when we could easily save 50% ourselves simply by using less of the things we use all the time, with the same result. If you need to add a little back in after cutting back by half, go for it. But you might be surprised by how little you need to actually get the job done.

The Complete Tightwad Gazette by Amy Dacyczyn

"The Complete Tightwad Gazette" by Amy Dacyczyn

Amazon

4. Do the math to determine what's actually cheap and expensive to eat.

Even with the cost of groceries being ridiculously high, cooking from scratch is, in most cases, drastically cheaper than eating out or getting takeout.

I know the old folks like to tease you about your affinity for avocado toast, but it's pretty eye-opening to compare the cost of buying something like avocado toast out and making it yourself at home. With current prices at my local grocery store, it would cost less than $1.00 to make avocado toast at home, and that's even with good bread and a generous serving of butter and yummy seasonings. Add another 30 cents, and you can slap an organic fried egg on top. We're talking $1.30 tops for super bougie breakfast toast at home.

But even within the "cooking at home" category, some meals are way, way less expensive than others. One of my favorite Tightwad Gazette investigations focused on how much various kinds of breakfasts cost per serving. Personally, I'm a huge cold cereal fan, which is bad news because it's actually one of the most expensive breakfasts you can eat. Toast and eggs is (generally) cheaper. Pancakes are even cheaper, especially if you make them from scratch and not a mix. Oatmeal is super cheap. Oatmeal bought in bulk? Even cheaper. And the differences can be significant—again, looking at my current grocery store app, a serving of Cheerios costs 300% more than a serving of quick oats.

All of those choices add up, both positively and negatively. By doing the math, figuring out per-serving costs and choosing less expensive meals, you can cut your grocery bill by a lot.

This is just barely scratching the tip of the iceberg—there are so many tips and tricks for saving both small and large amounts of money. Since the economy isn't going to be any kinder to us in the near future, learning how to make the most of what we do have is the best way to help ourselves. Find "The Complete Tightwad Gazette" here (or, in true tightwad fashion, at your local library, but it's a good one to keep on hand for reference). Highly, highly recommend.

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Three winners will be selected to receive $1000 donated to the charity of their choice.

True

Doing good is its own reward, but sometimes recognizing these acts of kindness helps bring even more good into the world. That’s why we’re excited to partner with P&G again on the #ActsOfGood Awards.

The #ActsOfGood Awards recognize individuals who actively support their communities. It could be a rockstar volunteer, an amazing community leader, or someone who shows up for others in special ways.

Do you know someone in your community doing #ActsOfGood? Nominate them between April 24th-June 3rdhere.Three winners will receive $1,000 dedicated to the charity of their choice, plus their story will be highlighted on Upworthy’s social channels. And yes, it’s totally fine to nominate yourself!

We want to see the good work you’re doing and most of all, we want to help you make a difference.

While every good deed is meaningful, winners will be selected based on how well they reflect Upworthy and P&G’s commitment to do #ActsOfGood to help communities grow.

That means be on the lookout for individuals who:

Strengthen their community

Make a tangible and unique impact

Go above and beyond day-to-day work

The #ActsOfGood Awards are just one part of P&G’s larger mission to help communities around the world to grow. For generations, P&G has been a force for growth—making everyday products that people love and trust—while also being a force for good by giving back to the communities where we live, work, and serve consumers. This includes serving over 90,000 people affected by emergencies and disasters through the Tide Loads of Hope mobile laundry program and helping some of the millions of girls who miss school due to a lack of access to period products through the Always #EndPeriodPoverty initiative.

Visit upworthy.com/actsofgood and fill out the nomination form for a chance for you or someone you know to win. It takes less than ten minutes to help someone make an even bigger impact.

Joy

'90s kid shares the 10 lies that everyone's parent told them

"Don't swallow that gum. If you do, it'll take 7 years to come out."

via 90sKidforLife/TikTok (used with permission)

90sKidforLife shares 10 lies everyone's parents told in the era.


Children believe everything their parents tell them. So when parents lie to prevent their kids to stop them from doing something dumb, the mistruth can take on a life of its own. The lie can get passed on from generation to generation until it becomes a zombie lie that has a life of its own.

Justin, known as 90sKidforLife on TikTok and Instagram, put together a list of 10 lies that parents told their kids in the ‘90s, and the Gen X kids in the comments thought it was spot on.


“Why was I told EVERY ONE of these?” Brittany, the most popular commenter, wrote. “I heard all of these plus the classic ‘If you keep making that face, it will get stuck like that,’” Amanda added. After just four days of being posted, it has already been seen 250,000 times.

Parents were always lying #90s #90skids #parenting

@90skid4lyfe

Parents were always lying #90s #90skids #parenting

Here are Justin’s 10 lies '90s parents told their kids:

1. "You can't drink coffee. It'll stunt your growth."

2. "If you pee in the pool, it's gonna turn blue."

3. "Chocolate milk comes from brown cows."

4. "If you eat those watermelon seeds, you'll grow a watermelon in your stomach."

5. "Don't swallow that gum. If you do, it'll take 7 years to come out."

6. "I told you we can't drive with the interior light on. ... It's illegal."

7. "Sitting that close to the TV is going to ruin your vision."

8. "If you keep cracking your knuckles, you're gonna get arthritis."

8. "You just ate, you gotta wait 30 minutes before you can swim."

10. "If you get a tattoo, you won't find a job."

Internet

Lawyer explains how and why she refuses to sign waivers of liability forms for her child

"I do not waive my child's rights when it comes to liability or catastrophic events."

Representative photos by RDNE Stock Project and João Rabelo via Canva

Lawyer refuses to sign waivers of liability for her child

Every parent is familiar with the standard liability waiver for children to do just about anything. Going on a school field trip, sign a liability waiver. Playing a sport, sign a liability waiver. Going to a birthday party at a trampoline park–you got it, sign a liability waiver. The form is so common that parents often sign it without thinking about what they're actually signing.

The assumption is that if you don't sign the form, whoever "they" are will know and your kid will be left out of whatever activity they wanted to do. But do you actually have to sign those things? Shannon Schott a mom, criminal defense and personal injury attorney says declining is an option.

The attorney took to TikTok to explain how she gets around signing the liability forms for her child and it's much simpler than one might think. According to Schott, she's never been questioned when she simply crosses out the things she doesn't agree with and writes decline next to that particular section. No secret liability waiver police jump out from behind the nearest bush, and her reasoning is quite simple.


Blindly signing on the dotted line essentially waives your child's rights to take legal action if an accident occurs that severely injures, maims or kills your child, Schott explains. The mom tells her audience that as a lawyer who handles personal injury, she would never agree to sign away the option to sue, reminding others that liability waivers are a mutual agreement. Keeping this in mind she only signs what she's comfortable with.

"First and foremost if people are not paying attention, I just don't do it. If someone says you have to go online and sign a waiver I say, 'okay thanks' and I don't do it and no one checks and that's not on me. That's me being smart and not waiving my child's rights," Schott reveals, immediately clarifying that she and her family are safe and not trying to trick someone into a lawsuit.

While many people didn't realize that you had the option to decline, some did and explained how they do it in the comments.

"On my first day of torts, my professor taught us to cross out all of the negligence/death clauses. 10 years later with 2 kids, I've never been questioned (no one noticed)," someone writes.

"I always wrote, 'unless under negligence.' No one ever rechecked my signature," another says.

"I always do this!! My mom did it when we were kids so it became a habit," one commenter shares.

@shannonschott.esq #jaxfl #jaxlawyer #floridalawyer #juvenilejustice #juveniledelinquency #juvenilelawexpert #personalinjury #personalinjurylawyer #personalinjuryattorney #personalinjurylaw #personalinjurytips #personalinjurylawyers #personalinjurylawyerflorida ♬ original sound - Shannon Schott

Schott makes it clear in her video that while she is particular about arbitrarily signing her child's rights away, she's not looking for litigation and she's fine with having her child sit out of an activity if needed. The attorney also reassures a commenter that parents always have the right to revoke a waiver and ask for a new form if they've signed thinking they didn't have a choice. Parents are thanking her for the information with some admitting they need to take a closer look at those forms in the future.

Steve Martin's 2000 novella, "Shopgirl."


Over the past few years, book bans have been happening in public libraries and schools across America. In the 2022-2023 school year alone, over 3,300 books were banned in 182 school districts in 37 states.

Most books that have been banned deal with LGBTQ and racial themes. According to a report from PEN America, Florida has been the most aggressive state regarding book bans, accounting for about 40% of those taken off the shelves.

On November 5, Collier County, Florida, announced that it was banning 300 books from its school libraries out of an effort to comply with state law HB 1069, which says books that depict or describe “sexual content” can be challenged for removal.


Among the books banned by the school district was “Shopgirl,” a novella by author Steve Martin published in 2000. Martin is also the star of the hit Hulu show, “Only Murders in the Building,” featuring Martin Short and Selena Gomez.

Upon hearing about his book being banned, Martin responded with his iconic wit on Instagram, saying, “So proud to have my book Shopgirl banned in Collier County, Florida! Now, people who want to read it will have to buy a copy!"

“Shopgirl” is a story about a young woman who works in a luxury department store and has an affair with a wealthy older man. It was made into a movie in 2005 starring Claire Danes and Martin. It’s believed the book was banned for its mild sexual content. On Amazon, the book is recommended for readers ages 13 and up.


This article originally appeared on 11.11.23

Photo by Alexander Grey on Unsplash (left) and Dan Renco on Unsplash (right)

The staring is part of the competition.

A video of kids waving a narrow rod in front of a pig while hunching like Dracula and giving someone a death stare has taken the internet by storm, leaving people scratching their heads.

"What did I just watch?" seems to be the primary response to the video shared on the @dadsonfarms TikTok page, followed by various versions of "Where am I?" and "What is happening?" and "How did I end up here?"

The befuddlement is only matched by the curiosity and confused laughter that naturally result from seeing something so…unbelievable? Unexpected? Unusual? Uncanny?


How else should one describe this?

@dadsonfarms

Krew and Karis at The Revival livestock Show! #showpigs #pigshow

"This is the weirdest thing 😂😂🤣 I have so many questions!!!" wrote one person.

"Why do I feel like this is a staring competition and the pigs are just a added difficulty 🤣," wrote another.

"Yay!!! I’m back on hunchback death stare competition while also showing pigs tiktok!" exclaimed another.

"Again. What did I react to, to end me up here?" asked another.

If you've ever stepped foot in the world of 4-H or FFA (Future Farmers of America), you likely recognize there's a livestock showing competition happening here. But if you're a city slicker with no rural or agricultural ties, you may not know that "showing" animals is even a thing.

Not only it it a thing, but it's a highly competitive endeavor with specific rules and guidelines and expectations. It does help to have the showmanship requirements explained, however, and thankfully the kids' dad explained in a separate video.

The kids showcased here are Karis and Krew, twins who compete in the 13 to 16-year-old category of pig showing. The pigs are Smack Down and Greta. The reason the competitors stare so intently is to show they are paying attention to the judge and also to show how much control they have. (And according to one commenter, they get extra points for keeping eye contact with the judge the whole time.)

More questions answered here:

@dadsonfarms

@Lawrence Johnson I tried to answer all your Questions about showing Pigs 😊! #showpigs #pigshow

People have been fascinated to learn about how much goes into these exhibitions. Who knew pig showing was this intense? And with judges being flown across the country—there's an official Livestock Judges' Association and everything—this is clearly serious business.

Except when you add the music to it, it just comes off as seriously strange hilarity.

@dadsonfarms

Great night to show at western regionals #showpigs #hogshowman

So what exactly is the point of all of this?

When livestock showing began in the 1800s, the primary purpose was to improve the quality of livestock. These days, it's more about helping young people developing character qualities through programs like 4-H and FFA while learning about farm animal care and preparation for selling. They learn about responsibility, self-discipline, hard work and professionalism through these competitions.

And they clearly master making eye contact as well. You can follow @dadsonfarms on TikTok for more.

Palestinian and Israeli whose family members were killed sit face-to-face to talk peace

One man lost his parents. The other lost his brother. Their dialogue is moving people to tears.

Photos by cottonbro studio/Pexels (left), and by Ahmed Abu Hameeda on Unsplash (right)

Hope for peace between Israelis and Palestinians

Conflict between Israel and Palestine has been ongoing for many decades, with scholars around the world spending years analyzing and explaining why and how. But regardless of how we got here, the violence we saw perpetrated on Israelis on October 7th and the violence we've seen perpetrated on Palestinians in the months since has been a drastic escalation with unspeakably tragic results.

People of goodwill everywhere search for hope in times such as these, for evidence that humanity hasn't been completely destroyed by vengeance and violence, that real peace is in fact possible. And there is no better pair to offer glimmers of such hope than Palestinian peacemaker Aziz Abu Sarah and Israeli peacemaker Maoz Inon, who sat down face-to-face on a TED stage in April of 2024 to share their personal stories and talk about what peace requires.

Unlike those of us watching war unfold from half a world away through the lens of media spin and social media algorithms, these men have lived this conflict up close. Sarah's brother was killed by the Israeli Defense Forces when he was just 19 years old. Inon's parents were killed by Hamas on the October 7th, 2023 attack. They both have every reason to be angry—and they are—but the way they purposefully process their anger into peacebuilding is an example to us all.


Inon begins their conversation by sharing how his parents and childhood friends were killed on October 7th, then shares how grateful he was that Sarah was one of the first people to reach out to him even though they'd only met once before. Sarah shares how his brother was killed by the IDF and how all of his friends have lost family members to Israel's bombardment of Gaza, yet praises how he Inon has processed his loss.

"When I sent you that message to offer my condolences after your parents were killed, I was surprised by your answer," Sarah told Inon. "Not just to me, but your public answer. Because you said you're not only crying for your parents, you're also crying for the people in Gaza who are losing their lives, and that you do not want what happened to you to be justifying anyone taking revenge. You do not want to justify war."

"And it's so hard to do that," he added. "So much easier to want revenge, to be angry. But you are a brave man."

Sarah said it took him "much more time" to reach such a place after his brother was killed. "I was angry, I was bitter, and I wanted vengeance. I was 10 years old and I thought there is no other choice. And only eight years later, when I went to study Hebrew with Jewish immigrants to Israel, that's only when I realized that we can be allies."

Both men have been peace activists for years. What's particularly beautiful about their conversation is that they are talking directly to each other, not to the audience, offering an example of what sitting down with the "other side" can look like when you share the goal of peace. They tell their personal stories and explain what has driven them to seek reconciliation over revenge. They listen to and learn from one another. They acknowledge the difficulty but are unwavering in their dedication to build peace.

The division stemming from the historical reality and current politics of Israel and Palestine may feel intractable, but if these men who have lost so much can find common ground and a shared vision, then hope remains. Their dialogue is moving people to tears and is well worth a watch: