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8 Simple Ways to Save Money & Help Stop Poverty

8 Simple Ways to Save Money & Help Stop Poverty

    According to GlobalRichList.com, I’m in the top 0.82% richest people in the world.

    That’s not to brag, though. Almost everyone with the means to read this post is in that top one percent somewhere.

    But there are billions more people out there who are not in the top one percent, and they’re not in the top two or three either. The majority of our planet is living in poverty.

    Economic crises (and the accompanied fear mongering) aside, we sometimes look at the world as a prosperous place with a few unfortunate pockets of poverty strewn about. It’s so easy to forget that the majority of the world lives in poverty, or pretty damn close to it. Easier for us, at least.

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    The UN definition of poverty is living on less than a dollar a day; I’d suggest that’s a number chosen to keep the sheer statistical size of this situation from light, since it’s hard enough to live on $30 a day. Sure, not as extreme, but by no means easy in many areas of the world. We are incredibly lucky to be a part of this miniscule percentage of people who are, by all means, rich.

    Even if you’re in debt and have a terrible credit rating, you’re rich compared to much of the world. I don’t say that to deride anyone, but remind us all that we’re lucky, even when times are terrible by our own standards. There is something everyone can do to help. Even a mere dollar makes a difference; that’s a doubling of daily income for many.

    Here are a whole bunch of ways you can save more money that we’ve discussed on Lifehack. If it’s this easy to find a few dollars, it’s easy to help stop poverty.

    Make Your Own Coffee, Use the Library, Get Netflix

    Chris Brogan shares a list of ways you can cut a significant number of expenses easily and immediately, from making your own coffee with an espresso machine instead of heading out to Starbucks, using the public library instead of splurging on books all the time, drinking at a friend’s place instead of the pub and laying off the lead foot on your accelerator.

    With some or all of the money you free up using these tips, you could fund a loan with Kiva; and you’re not even losing money since the majority of these loans are fully repaid!

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    Stick to Your Budget

    Here’s a list of 32 hacks to help you stick to your budget. I’m willing to bet that most of us run out of money just before payday because we’re terrible at staying within the boundaries of our budget. If you can get yourself to stay within your budget for just one month, you could still make a difference. Maybe keeping up with a few good personal finance blogs will help in this regard as well.

    With the savings you could help out an organization such as USA for UNHCR, an organization that helps refugees; people who are not only living in poverty, but displaced from their own countries, cultures and families as well.

    Wallet-Padding Tips for Troubled Economies

    Our Thursday published a list of ways you could fatten the wallet up a bit even during harsh economic times. My favorite is the last item: stop paying attention to all the fear mongering in the news. Many are more practical, such as beefing up your resume and learning new skills so you can land a higher income.

    With the savings you could donate to an organization like the Global Fund, which fights AIDS, tuberculosis and malaria in developing countries.

    Insulate Your Crawl Space

    Kyle Potts writes that by insulating your crawl space, you can save plenty of money on your energy bill over the long-term. You won’t just save on your energy bills: a poorly insulated or vented crawl space can lead to mold and rotting in your flooring, which can cost a fortune to repair.

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    A few dollars freed up on your energy bill can make a big difference, perhaps by making it more affordable to sponsor a World Vision child.

    Save Money on Your Phone Bill

    Do you tend to blow the budget on your phone bill? Not that long ago I wrote an article that described how you could save thousands on your iPhone bill, though many of these tips – and software suggestions – are adaptable to all sorts of mobile phones, especially any kind of smartphone or PDA that tends to run the bill sky high.

    Whatever you save on your phone bill, you could give to World Concern, an international humanitarian non-profit doing some great work.

    Use Your Digital Camera

    Thursday strikes again with a list of ways you can save money with the help of a digital camera or your phone’s camera. The list covers everything from taking snaps to help you recall things that, if forgotten, will cost you more, to monetizing your best shots on stock photography sites.

    You might use your savings to donate to the Action Center to End World Hunger.

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    Get Organized

    Just keeping organized can save you a heap of dosh. I know the difference on my tax return between years when I keep meticulous expense records and years when I don’t is huge; organization certainly pays in that regard. Lorie Marrero lists a whole bunch of other ways that good organization keeps your bank account that bit fuller.

    Getting organized can free you up to donate to Poverty Fighters, a microcredit organization.

    Bring Your Own Lunch to Work

    The amount of money you can save by bringing your own lunch to work instead of heading out to an eatery or the corporate cafeteria over the course of a year is pretty amazing. According to this article, the savings come to as much as $988. That’s almost three years worth of earnings for many people living in poverty. If you could pay for one person to live for three years, three people to live for one year, or thirty people to live for a month, wouldn’t that at least bring a smile to your face?

    While you’re saving on food money, help feed someone else by donating to the Friends of the World Food Program.

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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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