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My Father's Advice

MY FATHER'S ADVICE... 1. Not everything will go as you expect in your life. This is why you need to drop expectations and go with the flow. 2.Reduce bitterness from your life, that shit delays blessings! 3. Dating a supportive woman is everything. 4. If you want to be successful, you must respect one rule - Never lie to yourself. 5. If your parents always count on you, don't play the same game with those who count on their parents. 6. Chase goals, not people. 7. Your 20's are your selfish years, build yourself, choose yourself first at all cost. 8. Detachment is power. Release anything that doesn't bring you peace. 9. Only speak when your words are more beautiful than your silence. 10. Invest in your looks. Do it for no one else but yourself. When you look good, you feel good. Normalize dressing well, you're broke not mad. 11. Some people want to see everything go wrong for you because nothing is going right for them. 12. Being a good person doesn't get you lov...
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21 Ways You’re Wasting Money Without Knowing It



 Not paying attention to the fine print can cost you some serious cash. Here’s how to save your money.
Airline fees
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You’re paying extra for almost everything when you fly these days, from your bags to your seat, the Motley Fool reports. So be sure to compare not only the prices of flights, but what they’re charging in extra fees. You may also want to weigh your bag before you go to avoid any additional charges.
Bank fees
SANJAGRUJIC/SHUTTERSTOCK
Not keeping enough money in your bank account could cost you some serious cash. How much? Americans pay $17 billion per year in fees for overdrafts and insufficient funds. (It costs $32.74 every time your account is overdrawn.) ATM and other maintenance fees can also add up to $1,000 over ten years. To avoid them, look for banks with free ATMs that don’t charge monthly maintenance fees.
Buying things new
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Sure, a shiny new car is tempting. Car buyers spend an average of about $31,000 on new cars. But as soon as you drive it off the lot, the car loses 11 percent of its value. A better option? Opt for a reliable used car and a short-term loan you can pay off quickly. The same goes for electronics. Instead of the latest Mac, seek out “open box” items at electronics stores, such as refurbished computers. Don’t miss these habits of people who are great at saving money.
Sure, a shiny new car is tempting. Car buyers spend an average of about $31,000 on new cars. But as soon as you drive it off the lot, the car loses 11 percent of its value. A better option? Opt for a reliable used car and a short-term loan you can pay off quickly. The same goes for electronics. Instead of the latest Mac, seek out “open box” items at electronics stores, such as refurbished computers. Don’t miss these habits of people who are great at saving money.
Cable TV
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Access to hundreds of channels can add up to a monthly cable bill of $100. Fortunately, there are plenty of options to save money without sacrificing TV time. Services like SlingTV and HuluLiveTV range from $10 to $40 a month. Or Netflix is even less expensive—and commercial-free.
Convenience foods
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Pre-cut fruit and vegetables can save time, but they can also dent your wallet. Opting for 20 bags of lettuce over the course of a year instead of buying heads of lettuce will cost you about $60. Instead, buy food as close to its natural form as possible, and divide it up into portion sizes yourself. Find out the money-saving secrets of grocery-store insiders.
Credit card interest
TI_SER/SHUTTERSTOCK
The average American household is carrying about $16,425 in credit card debt. That adds up to about $1,292 in interest each year. To avoid paying extra money for old debts, try the snowball method. Pay off the card with the lowest balance first, then move on to the next one. Learn about the 19 personal finance tips you were never taught.
Dry cleaning
NEW AFRICA/SHUTTERSTOCK
A typical trip to the cleaners for your pants and shirts can cost you more than $10. With a weekly visit, that could add up to more than $500 per year. To save that money, clean your shirts in the delicate cycle in your washer or hand wash them. Here are 10 more creative ways to save money.
Eating out
YULIA MAYOROVA/SHUTTERSTOCK
Going out to dinner with the family can be a nice treat, but doing it regularly really adds up. The average American household spends more than $3,000 a year on eating out. Instead of buying your lunch every day, save money by packing it. And before you go out, look for specials like coupons or happy hours or get appetizers instead of full meals. Here are 14 restaurant meals you’re wasting money on.
Extended warranties
AFRICA STUDIO/SHUTTERSTOCK
Getting an extended warranty on that refrigerator or car you bought sounds like a good idea. But according to the FTC, most extended warranties aren’t worth the money. Why? The fine print may not include likely problems, or you may be buying duplicate coverage. A better plan? Open a savings account and sock away money for any repairs that might come up.
Impulse buys
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According to a recent survey, five out of six Americans admit to making impulse purchases. And that’s not just at the grocery store: some of those purchases can cost in the $1,000 range. Spur-of-the-moment buys can cost you more in the long term, because you may not really need them, or you haven’t shopped around for better deals. Really want something? Take a 24-hour breather and see if you still do. Check out these savvy shopping tips.

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