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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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      Joel Falconer

      Editor, content marketer, product manager and writer with 12+ years of experience in the startup, design and tech digital media industries.

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      Last Updated on November 5, 2020

      How to Get out of a Rut: 12 Useful Ways to Get Unstuck

      How to Get out of a Rut: 12 Useful Ways to Get Unstuck

      Have you gotten into a rut before? Or are you in a rut right now?

      You know you’re in a rut when you run out of ideas and inspiration. A rut can manifest as a productivity vacuum and be a reason why you aren’t getting results. Even as you spend more time on your work, you can’t seem to get anything constructive done. Is it possible to learn how to get out of a rut?

      Over time, I have tried and found several methods that are helpful to pull me out of a rut. If you experience ruts too, whether as a working professional, a writer, a blogger, or a student, you will find these useful. Here are 12 of my personal tips to get out of ruts:

      1. Work on Small Tasks

      When you are in a rut, tackle it by starting small. Clear away your smaller tasks that have been piling up. Reply to your emails, organize your documents, declutter your work space, and reply to private messages.

      Whenever I finish doing that, I generate positive momentum, which I bring forward to my work.

      If you have a large long-term goal you can’t wait to get started on, break it down into smaller objectives first. This will help each piece feel manageable and help you feel like you’re moving closer to your goal.

      You can learn more about goals vs objectives here.

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      2. Take a Break From Your Work Desk

      When you want to learn how to get out of a rut, get yourself away from your desk and go take a walk. Go to the bathroom, walk around the office, or go out and get a snack. According to research, your productivity is best when you work for 50 minutes to an hour and then take a 15-20 minute break[1].

      Your mind may be too bogged down and will need some airing. By walking away from your computer, you may create extra space for new ideas that were hiding behind high stress levels.

      3. Upgrade Yourself

      Take the down time to upgrade your knowledge and skills. Go to a seminar, read up on a subject of interest, or start learning a new language. Or any of the 42 ways here to improve yourself.

      The modern computer uses different typefaces because Steve Jobs dropped in on a calligraphy class back in college[2]. How’s that for inspiration?

      4. Talk to a Friend

      Talk to someone and get your mind off work for a while. Relying on a support system is a great way to work on self-care when you’re learning how to get out of a rut.

      Talk about anything, from casual chatting to a deep conversation about something you really care about. You will be surprised at how the short encounter can be rejuvenating in its own way.

      5. Forget About Trying to Be Perfect

      If you are in a rut, the last thing you want to do is step on your own toes with perfectionist tendencies. Perfectionism can lead you to fear failure, which can ultimate hinder you even more if you’re trying to find motivation to work on something new.

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      If you allow your perfectionism to fade, soon, a little trickle of inspiration will come, and then it’ll build up with more trickles. Before you know it, you have a whole stream of ideas.

      Learn more about How Not to Let Perfectionism Secretly Screw You Up.

      6. Paint a Vision to Work Towards

      If you are continuously getting in a rut with your work, maybe there’s no vision inspiring you to move forward.

      Think about why you are doing this, and what you are doing it for. What is the ultimate goal or vision you have for your life?

      Make it as vivid as possible. Make sure it’s a vision that inspires you and use that to trigger you to action. You can use the power of visualization or even create a vision board if you like to have something to physically remind you of your goals.

      7. Read a Book (or Blog)

      The things we read are like food for our brain. If you are out of ideas, it’s time to feed your brain with great material.

      Here’s a list of 40 books you can start off with. You can also stock your browser with only the feeds of high quality blogs and follow writers who inspire and motivate you. Find something that interests you and start reading.

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      8. Have a Quick Nap

      If you are at home, take a quick nap for about 20-30 minutes. This clears up your mind and gives you a quick boost. Nothing quite like starting off on a fresh start after catching up on sleep[3].

      Try a nap if you want to get out of a rut

        One Harvard study found that “whether they took long naps or short naps, participants showed significant improvement on three of the four tests in the study’s cognitive-assessment battery”[4].

        9. Remember Why You Are Doing This

        Sometimes we lose sight of why we do what we do, and after a while we become jaded. A quick refresher on why you even started on this project will help.

        What were you thinking when you thought of doing this? Retrace your thoughts back to that moment. Recall your inspiration, and perhaps even journal about it to make it feel more tangible.

        10. Find Some Competition

        When we are learning how to get out of a rut, there’s nothing quite like healthy competition to spur us forward. If you are out of ideas, then check up on what people are doing in your space.

        Colleagues at work, competitors in the industry, competitors’ products and websites, and networking conventions can all inspire you to get a move on. However, don’t let this throw you back into your perfectionist tendencies or low self-esteem.

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        11. Go Exercise

        Since you are not making headway at work, you might as well spend the time getting into shape and increasing dopamine levels. Sometimes we work so much that we neglect our health and fitness. Go jog, swim, cycle, or whatever type of exercise helps you start to feel better.

        As you improve your physical health, your mental health will improve, too. The different facets of ourselves are all interlinked.

        If you need ideas for a quick workout, check out the video below:

        12. Take a Few Vacation Days

        If you are stuck in a rut, it’s usually a sign that you have been working too long and too hard. It’s time to get a break.

        Beyond the quick tips above, arrange one or two days to take off from work. Don’t check your (work) emails or do anything work-related. Relax, do your favorite activities, and spend time with family members. You will return to your work recharged and ready to start.

        Contrary to popular belief, the world will not end from taking a break from your work. In fact, you will be much more ready to make an impact after proper rest.

        More Tips to Help You Get out of a Rut

        Featured photo credit: Ashkan Forouzani via unsplash.com

        Reference

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