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8 Expenses to Cut and How

8 Expenses to Cut and How

Are you looking to simplify your life? Do you have financial issues? Are you still paying off debts with no end in sight? Hey, me too! Part of my methodology includes plugging expense holes, and shunting that money towards my debts. Here are eight expenses to cut and how:

  • Make Your Own Morning Coffee– I have a tiny little one-cup machine with a steel filter. Why? Because it’s silly easy to operate and clean. I buy really good coffee by the pound, and so a pound of coffee costs $6.50 or so US. Buying coffee at the coffee shop is $2.50 or so for a large. That means, I save after only 3 uses, and it doesn’t really slow down my getting out the door, especially if you think about how much time it takes to wait in a drive-up line.
  • Use Your Public Library– Libraries have changed. Most libraries are now connected into a big sharing consortium, expanding the collection of what you can take out and what they’ll have that you might want. Further, most now have an online catalog that you can use to browse and request from home. Libraries now frequently stock DVDs (mine favors Hollywood movies, and the one in the next town features mostly highbrow independent stuff). Heck, my library just launched a big commercial digital audiobook download deal, so I can get books on my computer from my desk.

    How often do you reference a book after reading it once? Make that your point. Are you going to open it many times over the years, or is this a read once, use often kind of information dump?

  • Get Netflix– Going to the movies isn’t a great plan if you’re trying to save money, but renting movies is a hassle too, right? At least in the States, this is a much better option to going to brick and mortar stores for movies. They deliver the movies to your mailbox. You can’t get a late fee. Oh, and you can choose from getting just one disc at a time, two, three, or even larger numbers, for those of you who get to watch tons of flicks at once. BONUS: using one of your Netflix slots for a kids movie lets you save money, too. Kids will watch a movie 200 times, and then never need to see it again. Right?
  • Bring Meals From Home or Find a Cheap, Repeatable Meal– We tend to bleed cash on feeding ourselves, and rarely do we really savor or notice the food anyhow. It’s just a meal that we consume in between doing other things. If you can bring meals from home, that’s the least expensive, and it’s also the bet way to ensure that you know what you’re getting. I’m currently taking frozen dinners that cost only $2.00 a meal, and that’s cheaper than any sandwich I can buy. If you have to eat out, trying finding the healthiest, best value meal you can find, and stick to it or slight variations. The more adventurous your meal seeking gets, the more it will likely cost you.
  • Drink at a Friend’s House, Not a Pub– The cost of a dozen bottles of beer shared between a few friends will always be less expensive than a single drink out at a pub. Surely, one of you has a place to go for the casual entertainment experience, right? Okay, you might not be able to meet attractive members of the opposite sex there, but even if you spent a few days at one of your homes, that’d save some cash, true?
  • Reconsider Your Driving Habits– Are you a leadfoot? Are you the kind who goes on an hour or more jaunt just for something to do? With gas/petrol costs being so high thanks to some interesting world stage situations, considering how often and how fast you travel will help you cut a few bucks in the short term. BONUS: Get out your bike and kill two birds with one stone. Work that spare tire back off the ole belly.
  • Sum up all Your Entertainment Expenses– When you look at each one separately, it probably doesn’t seem weird to pay $15 a month for Netflix, $10 a month for XBOX Live, $60 or so a month for Cable TV, $100 or more a year on various magazines, not to mention all the ways you spend money when you go out, including clubs, pubs, bars, concerts, shows, events, and dinners. These are all entertainment. If you’re working on your debt, tally up all those expenses and look at them in a big sum per month. How much does your entertainment budget really cost, and does that relate to how much money you’re putting towards your debts and other expenses? Maybe it’s time to reconsider.
  • Go on a Clothing Fast– There are a hundred reasons why you need that new shirt, or that clever belt. You might need those shoes because they’re quite a bargain. But take a good long look at your closet, at what you already have. Do you need more right now? How often are you buying clothes for fashion’s sake versus need? Are there ways you can stretch your budget by coordinating differently? We buy clothes on impulse more often than just about anything. Pay close attention to this, and consider a clothing fast. Promise not to buy clothes for one month at a time. Say, “I’ll go all of August without buying a single article of clothing.” At the end of August, assess. Do you really need anything? See if you can go September, too.

Sure, you’re deserving of a good life. This isn’t as much about deprivation as it is examining the life you’re leading. If you’re working on your finances, and you’re serious about putting them in order, there are even more holes than those I’ve listed above that could use plugging. With a little bit of tweaking, you’ll recover money at a fairly decent clip. This adds up. If you tally up your savings from all eight tips above, it could quite easily be $200 or more back in your finances a month. $2400 a year? That’s a nice tidy raise, eh? Congratulations.

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–Chris Brogan is working hard on his expenses over at [chrisbrogan.com]. Well, not really. He’s writing about self-improvement and creativity.

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Last Updated on February 13, 2020

What Is Speed Reading and How to Successfully Learn It

What Is Speed Reading and How to Successfully Learn It

Too much to read, too little time! Don’t you wish you could read faster without compromising your knowledge intake? This is where a valuable learning technique comes to the rescue: speed reading.

Speed reading is the top skill to learn in 2020. Read on to find out all about this amazing technique!

What Is Speed Reading?

On average, an adult can read somewhere between 200 to 300 words per minute. With speed reading, you can read around 1500 words per minute.[1] Yes, that sounds impossible, but it is true.

In order to understand how this skill works, you first need to know how the reading process works inside a human’s brain.

The Reading Process

The first step is for the eyes to look at a word. This “fixation” on every word takes around 0.25 seconds.

Next, the eye moves on to the following word. It takes 0.1 seconds for the brain to move from one word to the next. This is called “saccade.”

Usually, a person reads 4 to 5 words or a sentence at once. After all the fixations and saccades, the brain goes over the entire phrase again in order to process the meaning. This takes around half a second.

All in all, this allows the average person to read 200 to 300 words in a minute.

Speeding up the Process

The concept of speed reading is to speed up this process at least 5 times. Since the saccade period cannot be shortened any further, speed reading emphasizes quicker fixations.

To accomplish this, scientists recommend that the reader skips the subvocalization: when the readers actually say the word in their mind, even when reading silently.

Basically, speed reading is the technique of only seeing the words instead of speaking them silently.

Do not confuse this with skimming. When a reader skims through a text, they skip the parts that their brain considers to be unnecessary.

You may skip important information in this process. Moreover, skimming does not allow the brain to retain what has been read.

Why Speed Read?

Speed reading is not just quick, but also effective. This skill saves a lot of of time without sacrificing information.

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Also, it has been proven to improve memory. The brain’s performance improves during speed reading, which allows the reader to remember more information than before.

Since speed reading stabilizes the brain, the information is processed faster and more efficiently.

Believe it or not, this technique leads to improved focus, too. As the brain receives a lot of information during speed reading, there is far less chance of distraction. The brain focuses solely on the job at hand.

Since the brain is, after all, a muscle, the process of speed reading acts as an exercise. Just like the rest of your muscles, your brain needs exercise to grow stronger, too.

A focused brain means improved logical thinking. As your brain gets used to receiving and organizing so much information so quickly, your thinking process will become faster.

As soon as a problem is thrown at you, your brain will quickly put two and two together. You will be able to retrieve stored information, figure out correlations, and come up with new solutions, all within seconds!

Still not convinced? Read 10 Reasons Why You Should Learn Speed Reading

Greater Benefits

With a healthier brain, you can expect better things in other parts of your life, too. A boost in self-esteem is just one of them.

As you begin to understand information at a faster pace, you will also begin to figure out more opportunities all around you.

With the ability to deeply understand information in a shorter period of time, your confidence levels will quickly grow higher.

Moreover, all the aforementioned benefits will relieve you of stress. You will manage your readings in lesser time, your brain will be healthier, and you will feel so much better about yourself.

With all these advantages, your emotional well-being will be healthier than ever. You’ll feel less stress since your brain will learn to tackle problems efficiently. Speed reading will lead to a relaxed, tension-free lifestyle!

How to Learn to Speed Read

Speed reading is a superpower. Fortunately, unlike other superpowers, this one can be learned!

There are different techniques that can be used to master this skill. Opt for the one that best suits your learning style.

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1. The Pointer Method

The person who is credited for popularizing speed reading, Evelyn Wood, came up with the pointer method. It is a simple technique in which the reader uses their index finger to slide across the text that they’re reading.

As the finger moves, the brain coherently moves along with it. It is an effective technique to keep the eyes focused where the finger goes without causing any distraction.

Readers have a tendency to back-skip. The pointer method prevents this from happening, thereby saving at least half the reading time.

2. The Scanning Method

In this technique, the reader’s eyes move along one part of the page only. This can be the left or right side of the text but is usually the center since that is the most convenient.

Instead of pacing through the entire text from left to right, the vision shifts from top to bottom.

This method involves fixation on keywords such as names, figures, or other specific terms. By doing so, the saccade time is minimized.

3. Perceptual Expansion

Generally, a reader focuses on one word at a time. This technique, on the other hand, encourages the brain to read a chunk of words together. In doing so, this method increases the reader’s peripheral vision.

Here’s the thing: even though the fixation time remains the same with perceptual expansion, the number of words that the eyes fixate on increases.

So basically, the brain receives 5 times more information within the same amount of time.

This technique is the hardest to master and takes the most time to learn. You’ll need help from speed reading tools in order to practice the perceptual expansion method.

However, once you master it, this technique will offer you the fastest reading pace with the maximum knowledge intake.

The Best Speed Reading Apps

The easiest tool to aid any process in any part of life these days is your smartphone.

You can use mobile applications to learn speed reading on the go. It has been proven that regularly practicing speed reading is the fastest way to learn this skill. [2]

Here are a few great options to look into:

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1. Reedy

If you own an Android smartphone, you can download Reedy to your mobile. Otherwise, get the chrome extension on your laptop to enjoy speed reading with Reedy.

This app trains readers to read faster by displaying words one by one on the screen. Instead of having to go through lines or long texts, Reedy prepares the user to focus on one word at a time.

Although this isn’t an effective method to learn speed reading long texts, it is a great way to start.

Once your brain gets used to the idea, you can shift to another app to train speed reading sentences or longer texts.

2. ReadMe!

Whether you’re an android or iOS user, you can take advantage of the ReadMe! application. This app even comes with some e-book options to practice speed reading on.

Start by choosing your desired font size, color, layout, etc. Other than that, there are different reading modes for the user to choose from.

If you want to practice reading sentence by sentence or in short paragraphs, you can choose the focused reading mode.

The beeline reader mode changes the color of the text to guide the eye to read from the beginning to the end at a certain pace.

Lastly, there is the spritz mode in which the app focuses on chunks of words at once. This controls the reader’s peripheral vision. However, this mode is not fully available in the free version of the app.

3. Spreeder

Spreeder is available on both iOS and Android. However, users may also gain benefits from Spreeder’s website. This application lets the reader paste in any text that they would like to speed read.

Starting off at a rather low speed, the app flashes words one by one. Gradually, as the user becomes more comfortable, the speed increases.

Slowly, the user is trained to speed read without having to skip any words.

This app is different from the rest because it tracks the user’s reading improvements, recording the overall reading time and speed.

The progress and improvement are tracked in order to motivate the user to perform even better.

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Adjustable settings, such as the speed of the text, background color, etc. are in the control of the user.

The Controversy Surrounding Speed Reading

Truthfully, speed reading does sound too good to be true. It’s hard to believe that it is humanly possible to attain such a fast pace in reading without compromising the quality of information you receive.

Perhaps as a result, there are people who do not trust the process of speed reading. They believe that when you read through a text at such a high speed, you cannot comprehend the information successfully.

According to these people, your brain is unable to process information at the speed that you’re reading, and so, they regard speed reading as problematic.

It is true that speed reading will be of no use if you do not understand the text you’re reading, no matter how quickly you did it.

Similarly, if you were to read slowly and still not retain or understand the information you read, that would be useless, too.

However, there a few factors to consider here. When reading at a normal pace, there is enough time in between every step of the process for the brain to get distracted.

Conversely, speed reading leaves behind no time for the brain to focus on something else. It is unlike skimming. No part of the text is skipped, which means that the brain receives every single bit of information.

Conclusion

Keeping all of this in mind, speed reading cannot be labeled a hoax or a failure. Science has backed up this technique, and numerous readers have been using this skill to improve their learning ability.

At the end of the day, it is your decision whether or not you want to trust this process.

However, if you decide to take advantage of the opportunities speed reading provides, you will find a world of possibilities opening up to you.

We live in a fast-paced world. Consuming information faster will help you keep up with that pace and find further success.

Speed Read Like a Pro!

Featured photo credit: Blaz Photo via unsplash.com

Reference

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