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32 Hacks for Sticking to Your Budget

32 Hacks for Sticking to Your Budget

In January, we asked you for your tips about living within your means and keeping to your budget, with the chance to win a db clay wallet. You gave us 144 responses in total – some of which had excellent advice.

Here’s our round-up of the best tips and tricks for budgeting:

1. Don’t spend more money than you have.

2. Stick to your grocery lists – compile them based on an itemized overview of your household needs and never stray too far from it.

3. In a similar vein, never go grocery shopping hungry!

4. Keep your receipts, or write your own – at the end of each day, list your expenditures. At the end of the month, group those expenditures to create a simple overview of where you’re spending too much or even too little.

5. Pack a brown bag lunch each day. Save hundreds, or even thousands, of dollars each year.

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6. Develop a distaste for Starbucks.

7. Talk yourself out of purchases. Ask yourself, do I need this? Think of various ways you can avoid a purchase that seems necessary through innovative MacGyvering.

8. You don’t need the $100 shirt from the pricey store when there’s a $10 equivalent at the thrift store. You don’t need a room-sized plasma TV when your old CRT still works.

9. Remind yourself frequently of your financial goals, especially when you’re at the mall: paying off a big debt, retiring early, the Macbook Air. Remind yourself that by living frugally, you’re at least in some small way helping the environment.

10. Use cash. Take money out of your account and use real cash from a real wallet to pay for your daily expenses. When you run out of bills, you run out of money to spend.

11. Use credit. Run your finances on credit cards so that you don’t lose big money over the course of the year in spare change spent on coke and McDonalds. Always repay within 48 hours.

12. Never watch commercials. Get a PVR.

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13. Sleep on your purchases. Give yourself a night to consider and rationalize before buying a new toy, and if you rationally decide you need it, you can go back and get it. Mac users may need to take longer – much longer.

14. Review your budget and spreadsheets regularly. Keep your financial situation constantly fresh in your mind. This helps to curb your desire to spend, spend, spend, ensures you know how much you actually have to spend if you need to, and motivates you to pay off debt and save more.

15. Use spreadsheets instead of expensive apps like Quicken – use Google Docs for spreadsheets and you can even save on overpriced office software.

16. Use every last scrap of every last thing you purchase. Don’t waste anything. Don’t leave taps running, don’t throw out the quarter of a plate of dinner you didn’t eat.

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    17. Become a power Nazi. Switch off lights and appliances at every opportunity, and tweak your computer’s power settings to give you the optimum balance between power savings and practicality.

    18. Think about money philosophically – consider your spending behavior as a reflection of who you are. If you would not like to be defined by your purchases of cigarettes, hard liquor and pork rinds, reconsider and make better purchases that reflect the person you’d like to be.

    19. Respect money like you do your family heirloom; that which you respect, can’t be hastily thrown away. It’s not about how much you make, but how much you save.

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    20. Exercise in the great outdoors, or use your own body weight – forget expensive gym memberships and personal trainers.

    21. Diligently organize rebates and send them in on time, every time.

    22. Do extensive research before all purchases, especially impulse purchases. Find the best price online or off, even if it’s “almost new” from eBay.

    23. Do extensive research not only on price, but on durability and quality; buying everything from Crazy Clark’s is a bad decision as far as your long term savings go.

    24. Don’t fall for the vicious technology upgrade cycle. Your laptop is still fine until there’s something actually wrong with it; performance is all in the software you run. Do you need to be running Vista or Leopard or the latest version of Photoshop? For most people, probably not. Wishing for more drains what you have.

    25. If you come under your budget, save the excess. There is no legal obligation to spend it!

    26. Pay yourself first. Take 10% or so off the top of your income and save it before you even start paying bills.

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    27. Base your meals on cheap, but nutritious, food sources instead of fresh produce that goes off quickly all the time. They might be a better food source, but if you want to pinch pennies go to grains, lentils, legumes and beans.

    28. Preventing an impulse purchase with this motivation hack: simply think about how many hours it took you to earn that amount.

    29. When keeping track of credit card purchases, put them into your checkbook as soon as the transaction occurs. That way the checkbook will always have as much money as you actually have, letting you freely pay off your credit card when the time comes.

    30. Don’t keep credit cards in your wallet, or near any of your computers with an Internet connection.

    31. Water is cheap (for the time being) and can easily replace most other beverages, such as soda – just not coffee.

    32. Borrow books from your library, don’t purchase them. This puts an imperative on you to actually read your books (how often do the ones your purchase just sit on the bookshelf?) and saves huge amounts of money if you read a decent amount.

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    Last Updated on July 31, 2018

    40 Top Productivity Apps for iPhone (2018 Updated)

    40 Top Productivity Apps for iPhone (2018 Updated)

    Over the years here at Lifehack, we’ve discussed plenty of apps that you can use to improve your overall productivity.

    There are certain ones that many of our contributors and editors (past and present) have adopted over the long-term — there are always the stalwarts that stick around. But there are also new apps that crop up every day, adding more and more depth to the app category.

    Some of the apps are incredibly plain and simple, while others are more robust and offer more features than you can shake a stick at. And everyone has the one they prefer.

    It’s been our job (and still is our job) to keep abreast of all of the productivity-type apps out there. As a result — and as a bit of a refresher — we’ve put together a list of 40 best productivity apps for iPhone to provide you with an all-in-one resource for you.

    Productivity apps to help you get things done

    1. OmniFocus

    This app is, while pricey, considered to be one of the (if not the) most robust and full-featured productivity apps on the market.

    Download it here.

      2. Forest

      Train yourself to put your phone down and stay focused on the task at hand by playing with this planting game. It’s fun and will help you achieve more.

      Download it here.

        3. Things

        Another robust choice, this app is a favorite amongst “productivityists”.[1]

        Download it here.

          4. 30/30

          Recently covered here at Lifehack

          , 30/30 is a newcomer to the game that incorporates lists and timing of tasks into an elegant and easy-to-use interface.

          Download it here.

            5. Any.Do

            A beautiful-looking app that is both easy on the eyes and your wallet.

            Download it here.

              6. PocketLife Calendar

              This calendar app is specifically designed to be stylish and super easy-to-use. You can organize your life easily with different modern features.

              Download it here.

                7. Asana

                We’ve covered Asana here at Lifehack

                , and it is being actively developed by a strong team committed to making collaborative task management a more efficient and effective experience.

                Download it here.

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                  8. ToDoist

                  This app keeps track of everything – from simple errands to your most important projects – so you can get it all done and enjoy more peace of mind along the way.

                  Download it here.

                    9. FlowTasks

                    From the folks at MetaLab, Flow is a gorgeous collaborative task management app that is easy-to-use and incredibly functional.

                    Download it here.

                      10. Calendars 5

                      This calendar app focuses on events that help you to keep track of upcoming events and tasks easily. It has everything you need to organize, track and complete your to-dos.

                      Download it here.

                        11. Clear – Tasks, Reminders & To-Do Lists

                        A fun and innovative list-making app that relies on swiping and pinching to make things happen. Clear created a lot of buzz when it launched, and might be the perfect to-do list gateway app for many.

                        Download it here.

                          12. Due

                          A robust reminders app that lets you store and maintain reminders of all types. It’s replaced Reminders for me when it comes to the basics, and it’s worth a look if you want to keep the mundane stuff out of your head and cluttering your mind.

                          Download it here.

                            13. Checkmark 2

                            I use this app

                            for location-based reminders (such as groceries I need to get or single items I need to pick up from various locations). Checkmark is simple to use and a valuable addition to my productivity arsenal.

                            Download it here.

                              14. TeuxDeux

                              Created by Tina Roth Eisenberg and Fictive Kin — Teux Deux is simple and incredibly stellar in terms of design. If you like lists (including the popular “Someday Bucket”) and want to associate dates with tasks, then Teux Deux will be right up your alley.

                              Download it here.

                                15. Wunderlist 

                                Another incredibly popular choice is Wunderlist. Part of 6Wunderkinder’s software family, it sports a gorgeous design and is incredibly functional. We’ve talked about the app a couple of times here at Lifehack, so check those posts out here.

                                Download it here.

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                                  16. Nirvana

                                  For the GTD enthusiasts, there’s Nirvana. Straight from the source: “Nirvana frees your mind to focus on actually getting things done. If you’ve had enough of generic to-do lists, it’s time for Nirvana.”

                                  Download it here.

                                    17. Priorities

                                    An elegant-looking task management app that has received decent reviews,[2] this could be the one for you if you’re not a fan of OmniFocus or Things — especially if you need (or want) to share tasks with others.

                                    Download it here.

                                      Productivity apps that help you build habits

                                      18. Productive

                                      With this app, you can plan your habits with an easy-to-use interface, schedule habits for any time of the day, set smart reminders for each time of the day and stay on track with useful feedback. This app is perfect for anyone who wants to build a habit that sticks.

                                      Download it here.

                                        19. Habitica: Gamified Taskmanager

                                        You can complete tasks and build habits in a more fun way with this app. Input your Habits, your Daily goals, and your To-Do list, and then create a custom avatar. Check off tasks to level up your avatar and unlock features such as armor, pets, skills, and even quests.

                                        Download it here.

                                          20. Streaks

                                          This app follows the model of the popular “don’t break the chain method” in that you use the app to track how you are donig in the pursuit of your goal. Great for goal-setting — and an easy and elegant interface to boot.

                                          Download it here.

                                            21. Remember The Milk

                                            Another popular to-do list app, Remember The Milk has a huge following. It has plenty to offer, including the ability to share tasks with others.

                                            Download it here.

                                              22. Day One Journal

                                              When it comes to journaling, nothing really beats Day One. Its latest update added a slew of features that will make you want to start making journaling a habit.

                                              Download it here.

                                                Productivity apps that makes organization easy

                                                23. Evernote

                                                Touted as the world’s most widely-used productivity app, Evernote an be used simply as a notetaking app or can be customized to be your GTD app of choice — among other things.

                                                Download it here.

                                                  24. Pocket

                                                  You can save an article, video or link you want to read or watch later to Pocket from anywhere including your computer, Safari, email, and your favorite apps like Facebook, Twitter, Flipboard, and Feedly.

                                                  Download it here.

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                                                    25. Sync.Me

                                                    This app identifies unknown phone calls, warns you from annoying spam calls, and adds a caller picture to your contacts from Facebook, Twitter and Google+.

                                                    Download it here.

                                                      26. Droplr

                                                      One of the most popular file-sharing apps out there today. Straight from the source: “Stay productive on the go. Droplr for iPhone keeps you in sync and makes sharing on the iPhone natural.”

                                                      Download it here.

                                                        27. Dropbox

                                                        Before iCloud, there was Dropbox. And there still is Dropbox, which is still widely used by both Mac and PC users all over the globe. It’s like having a flash drive in your iPhone. A must-have.

                                                        Download it here.

                                                          28. iDolly 

                                                          In conjunction with Dolly Drive and DollySync, iDolly allows you to edit and share your documents from your iPhone.

                                                          Since all your changes sync automatically to all your devices, the current version of a document will always be accessible because Dolly Sync keeps everything in sync. Very handy.

                                                          Download it here.

                                                            29. Soulver

                                                            It may seem odd that a calculator app shows up on this list, but this is no ordinary calendar app. Ben Brooks over at The Brooks review describes Soulver as follows: “It is what calculators would have been if they were invented at the same time computers were, instead of what we have with most calculator apps.” [3]

                                                            Download it here.

                                                              Productivity apps that help you work smart

                                                              30. Captio

                                                              A simple capture tool. Straight from the developers: “It’s simple. Open Captio and start typing. When you’re done, hit Send. The note is immediately delivered to your email inbox.”

                                                              Download it here.

                                                                31. Drafts

                                                                A tremendous capture tool that allows for simple capture, followed by sending items to various applications such as OmniFocus, Things and more.

                                                                Download it here.

                                                                  32. NoteShelf 2

                                                                  This is a perfect note-taking app for you. You can take beautiful handwritten notes, type, annotate PDFs, record audio & create lists. You can organize them into categories or groups.

                                                                  Download it here.

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                                                                    33. Doodle

                                                                    This app links directly with the Doodle service, which is one that allows you to plan and organize meetings far more efficiently and effectively. Lifehack contributor Steve Dotto has written about Doodle more in-depth here.

                                                                    Download it here.

                                                                      34. TextExpander (Legacy)

                                                                      I have saved countless hours of time with TextExpander, and despite its inability to be as robust on iOS as it is on the Mac, it is still a worthy app to have in your arsenal.

                                                                      Download it here.

                                                                        35. Launch Center Pro

                                                                        A quick launcher for the iPhone that doesn’t just launch an app…with some of them it can do much more. This app saves you time by launching complex actions in a single tap.

                                                                        Download it here.

                                                                          36. GoodReader

                                                                          This may seem to be an odd one to make this list, but here are plenty of reasons why it is here with this article.

                                                                          Download it here.

                                                                            37. LogMeIn

                                                                            Want to be able to control your Mac from wherever you are? Then get this app.

                                                                            Download it here.

                                                                              Productivity apps that improve security

                                                                              38. 1Password

                                                                              There is simply no better password manager out there. I’ve even put together a 1Password Emergency Kit worth looking at here.

                                                                              Download it here.

                                                                                39. LastPass Password Manager

                                                                                You can store passwords and logins, create online shopping profiles, generate strong passwords, track personal information in photo and audio notes.

                                                                                All you have to do is remember your LastPass master password, and LastPass autofills web browser and app logins for you.

                                                                                Download it here.

                                                                                  40. Truecallers

                                                                                  Identify and block spammers, search for unknown numbers and call friends easily with this app. With a community-based spam list from over 250 million users, you’ll need this app.

                                                                                  Download it here.

                                                                                    There are plenty of other options out there (and we’ve heard from readers in the past as to what they enjoyed using), but these 40 are among the best.

                                                                                    Reference

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