Money Saving Techniques

... pharmacy, understand the importance of saving money on essential medications. That's why... sleep Mental Wellness Stress management techniques Meditation and mindfulness Counseling or...

... pharmacy, understand the importance of saving money on essential medications. That's why... sleep Mental Wellness Stress management techniques Meditation and mindfulness Counseling or...

... spend too much time nor money trying to fix or replace... your money on something else. It’s just not worth saving but by... all means practice some repair and restoration techniques...

... plumber can save you time, money, and stress while ensuring your... untreated. Professional plumbers use advanced techniques to locate leaks behind walls... help prevent future issues, saving you time and money in the long run...

..., budget-friendly ingredients and fuss-free cooking techniques. Thrifty Vegan starts with Katy's..., plus essential storecupboard ingredients and money saving tips. With 150 recipes to...

... oil changes - huge saving of time and money. Especially if you own... that dirty so with proper techniques and quality mitts/towels, you...

First, here’s a list of the ways to save money: Cashback - US Bank Cash+ or Elan Max Cash Preferred earn 5% - AMEX Blue Cash Preferred (BCP) earns 6%, but has a $95 annual fee - AMEX Blue Cash Everyday (BCE) earns 1% - AMEX Platinum earns 1x AMEX Credits - BCP earns $10/m - BCE earns $7/m - Platinum earns $25/m on digital entertainment credit Split & Stack - If you have a basic Disney+ subscription billed through Disney and/or an ESPN Select subscription billed through ESPN, then subscribe to the Hulu + Live TV bundle through Hulu using the same email, then Hulu will give you an “Overlapping Subscription Credit”, and you can combine savings, e.g. get multiple AMEX credits or use BCE on Disney+ and earn 5% cashback on the rest Kroger Boost Membership - For $99/y you can get Disney+, Hulu, or ESPN Select included, which is cheaper than subscribing directly - If you have a Kroger-branded credit card, you can get 1 year of a membership for only $30 - (I personally had trouble activating this membership until I used Chrome) With these techniques in mind, you can determine what’s optimal for your situation. It depends on if you’re able to get multiple BCEs (e.g. different household members each have 1), if your spending justifies a BCP or Platinum, etc., here are some strategies to consider (my notes assume the Hulu + Live TV bundle is $90/y): 1-Person Plan - Disney+: BCE - ESPN: Boost Membership - Hulu: US Bank Cash+ Hulu will credit you $130 in 12 parts each month, the price of an ESPN annual subscription. This saves $31, or $100 in your first year using a Kroger-branded credit card. I don’t know exactly how the crediting works if you pick Disney+ instead. If you spend at least $4400/y in streaming or supermarkets, you’re better off with a BCP instead of a BCE on all the billing, assuming you have a 5% supermarket alternative. 2-Person Plan - Disney+: BCE #1 - ESPN: Boost Membership - Hulu: BCE #2 or BCP The BCP is better if you spend at least $2000/y in streaming in supermarkets. The reason this is so much less than the 1-person plan is because there’s a 5% difference on the bulk of the bill, which is in Live TV, when using a BCP here. 3-Person Plan - Disney+: BCE #1 - ESPN: BCE #2 - Hulu: BCE #3 or BCP Once again, a BCP is worthwhile if you spend at least $2000/y on supermarkets or streaming. Having multiple BCPs would only be worthwhile if you’re nearly maxing out the $6000/y supermarket cashback, and only barely. High Annual Fee, Low Monthly Cost - Disney+: Platinum - ESPN: Platinum - Hulu: BCP I did not come up with this strategy, another Redditor told me about it. While this has a high annual fee, you end up saving around $40/m, and it can be worthwhile if you take advantage of the BCP cashback and other Platinum credits. There are a few key events on the horizon that could change these strategies: - Hulu + Live TV is moving to Disney+. This may cause the billing to shuffle around. If Disney ends up offering a bundle that includes Live TV that’s billed by Disney, I anticipate that you could get credited for having a Hulu subscription, which is great if you have T-Mobile and can have Hulu on them. - There are rumors that the BCP credits, cashback, and annual fee are changing. It’s unclear how the BCE would change. - You can no longer apply for a Kroger credit card and it sounds like the partnership with US Bank is ending. This may change the rewards structure of the card, including if a discounted Boost Membership is included. submitted by /u/WonderfulAverageJoe to r/CreditCards [link] [comments]

if you click on this… I’m not going to help you in the traditional “coach” style, because I’m not here to give you techniques to patch up your broken reality. You claim you follow a mental system and listen to affirmations while you sleep, yet you still don’t see things clearly; the reason is simple: you’re trying to change the reflection in the mirror without changing your self-image. I’m here to say what’s been hidden: many of you don’t find a life partner because you’re living in a state of pathological neediness. Neediness is an energetic signal that tells the universe “I don’t have,” and the result is the manifestation of more lack. When you imagine your partner as a perfect being, you’ll do anything for them; you create Excess Importance. According to the laws of Transurfing, this importance activates balancing forces that push the goal away from you to maintain the stability of the system. Do you do for yourself what you do for your partner? You spend hours searching for the “magic affirmation” that will make them crawl toward you. In reality, you are practicing black magic on yourself through fear-based agreements. You’ve made a contract with yourself that you are incomplete without them. This is not love; it’s a drain on your personal power that you were born with. Maxwell Maltz tells us that your self-image functions like a biological thermostat. If your internal programming is “I am rejected,” you will engage in self-sabotage, the Snap Back Effect, to return to a state of loneliness no matter what techniques you use. Your partner is merely a witness bearing witness to your self-worth; if you place them above you as a prize, you’ve programmed your nervous system that you are less, and that frequency attracts nothing but rejection. The solution is not in struggle, but in watering the root. Maharishi says: don’t waste your time fixing wilted leaves, meaning relationships, but water the root, meaning your pure awareness. Stop living for them, and stop chasing the perfect scene. Live from the end, as Neville Goddard says; assume you are already the fulfilled and loved person now, and make that assumption your only reality until it solidifies and becomes real. Take back control. Don’t make your partner a god of your reality. When you reach a state of inner completeness, Aham Brahmasmi, and realize that you are the unified field of all possibilities, your struggle with reality stops, and effortless manifestation begins as a side effect of your new identity. As I said at the beginning, I’m not going to give you any technique, and I’m not here to play the role of a teacher. But please, observe your inner dialogue; if you feel needy for a partner or money, you are living an old agreement that says you are incomplete. Acknowledging this pattern is the first step to breaking it, and no technique will work for you as long as you hold onto it. Here is a practical plan to improve your situation: dedicate thirty minutes daily, for at least twenty-one days, to running a mental movie. The golden rule: don’t think of the goal, think from the goal. Imagine that you are now the person who has happiness, abundance, and confidence. Feel the textures and smells in your movie to make it a synthetic experience your nervous system can accept. The most powerful time for reprogramming is the moments just before sleep, when brainwaves drop into alpha and theta. Application: while lying down, recall the feelings of the wish fulfilled. Don’t repeat dry words; enter a state of preemptive gratitude. Maharishi calls this point Sandhi; it is the gap where the new code is planted into deep memory, Smriti, to change the body’s biology. As an additional note, Wesley Virgin designed a script called the overnight script that uses everything mentioned above and focuses on the most important point: changing your self-image and rebuilding your inner self. If you are a beginner, it may save you a lot of time. submitted by /u/StreetGeologist6901 to u/StreetGeologist6901 [link] [comments]

Referring to telemarketers, of course, who specialize in the hard sell and refusing to take no for an answer, all in the name of adding one more statistic to their numbers for whatever it is they're selling: Magazine subscriptions, a new electric company, beef jerky of the month, credit tracking services, identity theft monitoring, monthly pledges to some outfit or entity, or....whatever. Regardless, it's their job and a "numbers game," so they are bound and determined to secure your buy-in and/or participation in that thing -- whether you like it or not! Realistically, whatever a telemarketer happens to be peddling, regardless of it's objective quality or other "value-adding" potential, there are any number of very good reasons why any of us would rather opt out and consider the matter over and done with. In my own case, for example, I find that changing companies or signing up for, well...anything is a inherent cost and burden that I would simply rather not take on. If I change electric companies, for example, then I have to deal with all that hassle; if I sign up for a subscription or a monthly pledge, but I later change my mind, then I have to jump through about 50 hoops in order to undo that thing. Thanks, but no thanks! Between a telemarketer and their target, it's really a "battle of wills" between the former trying to keep the conversation going, while the latter struggles to end the call; meanwhile, various socio-cultural standards of "kindness" and "civility" work to the telemarketer's advantage, since the person on the other end often feels obliged to be "nice" about their refusal. Logically, of course, the best approach is to apply the "grey rock" technique, as well as the principle of "Don't J.A.D.E." ("Justify, Argue, Defend, Explain"). In the moment, however, it's easy to forget these things, and there's an understandable wish to politely and rationally explain why we're refusing the telemarketer's offer. Of course, they're already highly trained and well prepared for most call-ee responses, perhaps especially a simple "I'm not interested" -- which, to a reasonable person, would simple be the end of the discussion. However, the conversation usually ends up going like this: NON-CUSTOMER: "Thank you, but I'm simply not interested." TELEMARKETER: "You mean you're not interested in saving money?!" Obviously, you and I both know perfectly well what the former really means: "I'm not interested because I'm happy with what I currently have." "I'm not interested because I'm not in the market for what you're offering." "I'm not interested because I do not want something else to keep track of." "I'm not interested because the costs and/or burdens would outweigh any potential benefits/gains for me" "I'm not interested because of private, personal reasons." So on and so forth, but the general idea is that those personal reasons ultimately outweigh some abstract idea of "saving money," which may or may not likely pan out in reality, even if the call-ee DID sign up. Still, by responding in the above manner, the telemarketer rhetorically shifts the terms of the conversation to a simple matter of "saving money," subtly manipulating their target into a "double bind": A smart-ass reply of "No, I'm not interested in saving money, happy now?" theoretically COULD work, but the call-ee would probably low-key feel silly or dumb saying that, even if just to get the telemarketer to fuck off. Moreover, it also opens the door for the telemarketer to "nicely talk down" to their target in some kind of "what an idiot" tone, trying to manipulate the latter into feeling self-conscious and insecure and wanting to "prove" they're not actually "dumb" A more honest reply would likely be "Yes, of course I want to save money, but..." -- which is the telemarketer's awaited "foot in the door" for dragging out the conversation, and giving them more chances to debate the call-ee and, hopefully, relentlessly answering and explaining away the call-ee's objections. Either way, I say "fairly annoyed" because it's not like it's the end of the world, and in everyday life, I do tend to be reasonably successful at fending off individual telemarketers, whensoever I encounter them. Still though, at least speaking personally, what pisses me off the most is the mere fact of somebody deliberately and manipulatively trying to circumvent and/or knock down my defenses -- all in service of turning my sincere "no" into a reluctant, unwilling "yes." submitted by /u/HeartExalted to r/PetPeeves [link] [comments]

submitted by /u/Kind_Home_1038 to r/AskReddit [link] [comments]

Does anyone else feel that there are never any real new techniques to save money on this subreddit? Like, when I go through the credit cards subreddit, once in a while I see new money saving hacks that no one knew before. Any reason for this? submitted by /u/scarlett_decoction to r/Frugal_Ind [link] [comments]

I never expected my last post to get this much love, but here we are, so let’s talk money mindset in manifestation, shall we? ⭐️ Be aware of this statement : at the end of the day, something ALWAYS wins. Either your old identity wins, or the version of you you keep saying you want wins. And you can tell which one is winning not by what you affirm, not by what you visualize, but by what you protect when things get uncomfortable. Let’s talk about money, because money is where people’s self concept is exposed the fastest. You can fake confidence in love. You can spiritualize healing. But money…money doesn’t let you lie for long. :) Money mirrors how you see yourself in the world. It mirrors what role you think you’re allowed to play. It mirrors how much authority you believe you have over reality. And most people don’t have a money problem. They have an identity problem. if you don’t have money right now, it’s not because circumstances are stronger than you. It’s because, at some level, you are still loyal to a version of yourself for whom “not having money” makes sense. That doesn’t mean you chose to be poor consciously. It means your internal expectations, reactions, and conclusions still align with lack. You might say: but look at my situation. No savings. No job. Debt. Bills. Yes. All real. None of them are the cause. They’re the evidence. The mirror. The reflection of a perspective that’s been rehearsed for years. Reality doesn’t start it, reality follows it. Don’t confuse responsibility with blame. Responsibility means you have power. Blame means you’re bad. The law doesn’t care about blame. It cares about authority. If you don’t claim authorship over your experience, something else will fill the role: circumstances, people, systems, luck, timing, the past. And the moment you let anything external become the narrator of your life, you’ve stepped into victim mentality without realizing it. Victim mentality is the identity that says: “Because of what happened, I can’t move until something changes.” And the law hears that as an assumption. So it keeps reality frozen. Not to punish you. TO REFLECT YOU. “But what should I do during the day?” as if manifestation is about activity. It’s not. It’s about restraint. Can you restrain yourself from reacting as the old self? Can you stop crowning the 3D as final? Can you let discomfort exist without narrating it into a life sentence? That’s the work. Money doesn’t come when you convince yourself you’re rich ( I suppose you could brainwash yourself for a while by affirming 10000 times a day, but if that’s not what you actually believe at your core, if it’s not your identity and it feels like a performance, reality will eventually reflect the truth back in your face…maybe with a few breadcrumbs along the way, but never the feast.) It comes when you stop thinking like someone who is powerless. Powerlessness is a state. It sounds like desperation. Like constant fixing. Like over explaining. Like needing reassurance. Like asking a thousand questions hoping someone tells you your situation is the exception. It’s not. The law has no exceptions. Money flows to people who expect movement, not miracles. They assume things work out because that’s who they are. Not because they earned it. Not because they healed enough. Because it’s normal to them. This is why some people with zero conscience, zero self reflection, and massive egos accumulate wealth easily. They don’t question their right to take up space. They don’t morally negotiate their desires. They don’t sit in guilt. They assume. And assumption hardens into reality. Meanwhile, kind people sabotage themselves by over identifying with guilt and deservingness. They think “I should wait,” “I shouldn’t want too much,” “Others have it worse,” “I’ll take what’s left.” And reality agrees. The law does not respond to morality. It responds to identity. You can be a good person and broke. You can be a bad person and rich. The law is not a judge. It’s a mirror. There is a certain comfort in lack. It gives you a script. It gives you predictability. It gives you an explanation for why you haven’t moved yet. Letting go of that identity feels like death because it removes your excuse. Suddenly, there’s nothing to hide behind. No one to blame. No story to retell. Just you and your authority. You don’t need to instantly believe a new story. You need to stop treating the old one as law. Neutrality is enough. “Ok this happened , but it doesn’t define me.” That sentence alone is LETHAL to the old identity. The 3D will test you. Not to see if you’re worthy, but to see who you are loyal to. When money doesn’t show up immediately, do you spiral or do you stay seated in your assumption? When bills arrive, do you panic or do you refuse to let them narrate your future? When time passes, do you conclude “it’s not working” or do you assume rearrangement? Spoiler: time passes either way. At the end of the day it’s your choice. No one can stop you except you. No circumstance can override you unless you crown it. No past can hold you unless you keep visiting it. Money doesn’t come to save you. It comes to match you. And when you finally stop asking “why hasn’t it happened yet?” and start living from “of course it’s happening,” the entire game changes. When everything collapses, people either tighten into victim mentality or step into authority. Victim mentality sounds like: “I can’t do anything until something changes.” Authority sounds like: “I decide who I am even here.” Notice the difference. One waits. One moves internally first. Ok, MONEY. Two people, same situation. Both have zero money. One wakes up, checks their account, feels the drop in the stomach, and immediately thinks: “I always end up here. I can’t catch a break. I’m behind everyone. Something is wrong with me.” They spend the day doomscrolling, replaying past mistakes, avoiding emails because they’re scared, applying to jobs in fear, because they already expect rejection. Same zero money, but NOW they’re also embodying the identity of someone who struggles. The other person checks the same empty account and thinks: “Okay. This is uncomfortable. But this isn’t who I am. This is temporary.” They still feel the discomfort, but they don’t narrate it into a life sentence. They apply, they ask, they move, they stay mentally upright. Same actions sometimes, but different internal posture. Guess who reality rearranges for faster? Not because one is more deserving, but because one is not arguing for their own limitation all day. AFFIRMATIONS. A person affirms “I am rich” 5000 times a day while constantly checking their bank account, panicking about time, asking others how long it takes, wondering what they’re doing wrong. Another person affirms maybe no so often, but lives their day from the assumption that money moves toward them, even if slowly, even if invisibly. One is using affirmations to fight reality. The other is using them to select a state. The law responds to the second one every time. SATS. Someone does perfect SATS at night. Feels rich, loved, secure. Wakes up and immediately goes: “Okay but now what do I do because it’s not here yet?” And then spends the entire day reacting to the 3D as if SATS was a dream and daytime is the real truth. Another person does SATS and then treats the day as a bridge, not a test. They don’t force belief. They don’t affirm aggressively. They simply don’t contradict the assumption emotionally. One leaks state all day. The other preserves it. Guess which one sees movement. Techniques only work if they reinforce the state you’ve already chosen. If you affirm from lack, you get better at lack. If you visualize from urgency, you get more reasons to feel urgent. At the end of the day, this always comes down to the same question : what do you want more? To be right about how unfair, painful, delayed, or difficult things are? Or to be free of that identity entirely? Because you can’t build a new life while constantly rehearsing the old one. The people who always have money don’t think in terms of “manifesting money.” They think in terms of “of course I’ll figure it out,” “something always works out for me,” “I’m taken care of.” They don’t romanticize struggle. They don’t identify as someone who is behind. They don’t narrate every inconvenience into a crisis. They are not in survival mode over finances, and that alone puts them in a completely different category. Effort is not what creates money flow. Expectation does. There are people working 12-hour days who still feel broke and unsafe. There are people doing the bare minimum who feel supported and relaxed and somehow always land on their feet. Same world. Same economy. Different assumptions. When something goes wrong financially, the “effortful” person thinks: Here we go again. I knew it. This always happens.” The “effortless” person thinks: “Annoying. But it’ll sort itself out.” That second thought is not optimism. It’s identity. It’s the assumption of continuity. They don’t need money to arrive in a specific way to feel safe. They’re not emotionally attached to timelines or sources. They don’t collapse when Plan A fails because they’re not invested in Plan A, they’re invested in THE OUTCOME. That flexibility keeps doors open. “But they’re just lucky.” Luck is a label we give to patterns we don’t understand. What you’re actually seeing is someone whose internal world is not hostile to money. No internal resistance. No moral conflict. Money doesn’t threaten who they think they are, so it stays. This is also why telling someone in survival mode to “relax” doesn’t work. You can’t fake this state. The people who “do nothing” and still have money are not operating from a mindset of evaluation. They are not constantly checking whether they deserve what they have. They are not mentally arguing with reality. They are not waiting for permission. They are not asking life to validate them before they relax. They assume life works for them, and then they move accordingly. Meanwhile, people stuck in victim mentality are usually stuck in comparison mode. They are always measuring. “I’m better than him.” “I’m more capable than her.” “I’ve suffered more.” But comparison is still positioning yourself below something external, waiting for reality to correct an injustice. And reality doesn’t correct injustices. It mirrors identity. Someone who expects things to go their way will outperform someone who is objectively smarter but secretly expects struggle. :) Victim mentality loves to disguise itself as intelligence. “I see the system. i understand why this is wrong. I’m just being realistic.” But realism, in this context, is just loyalty to a state that keeps reproducing itself. Money doesn’t care if someone “shouldn’t” have it. Money responds to comfort with having, not justification for having. So what do you actually DO, concretely, when you don’t have money? First: stop narrating your situation to yourself all day. Stop mentally repeating “I have no money” like it’s a personality trait. Yes, it’s true. No, it doesn’t need commentary. Facts don’t need repetition. States do. Every time you repeat the story, you’re feeding it. Second: remove urgency from your inner dialogue. Urgency is the loudest signal of lack. You can take action without urgency. You can apply, ask, move, adjust without telling yourself you’re running out of time. The moment you act like time is against you, reality mirrors that pressure. Third: anchor into identity before outcome. Not “I have 1 million $ now,” but “I’m someone who always figures it out.” That identity can exist even at ZERO. Especially at zero. Because identity does not wait for proof. Proof waits for identity. let the 3D be messy without making it MEAN something about your future. No one is saying ignore practical steps. Take them. Apply. Ask. Move. But do it as someone who expects things to work out, not as someone begging reality to spare them. Same actions. Different state. Completely different outcome. You don’t get money when you convince yourself you deserve it. You get money when not having it stops making sense to you. When lack no longer fits your self image. SO, just remember : at the end of the day something ALWAYS wins. :) submitted by /u/CorrectPanic9484 to r/NevilleGoddard [link] [comments]