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Folks aiming to up their money game should check out these 9 easy ways to save.

Thinking about setting some financial goals? Here are some tools that could make reaching them easier.

Hey, remember The American DreamTM?

Photo via Unsplash/Pixabay.

Just work hard, go to college, graduate ... and next thing you know, you've got a nice job, spouse, car, and beautiful house.

Yeah ... not so much.

While that may never have been a real possibility for some Americans for a multitude of reasons — including systemic discrimination based on one's race, country of origin, or genderto achieve The Dream — one thing is absolutely true: It's harder than ever for millennials to get there. There are countless articles detailing their shrinking salaries, ballooning student debt, and a history of high unemployment rates. Not exactly the most encouraging set of financial circumstances.

GIF via "Finding Nemo."

OK, so a house with a white picket fence might not be in the cards any time soon. But that doesn't mean we're going to let ourshrinking wages get in the way of carving out the kind of life we want to live.

And luckily, there are some great innovations in the world of personal finance. We're talking about tools that'll help us save and, you know, still pay the rent.

Here are some things to try that'll have you feeling like Scrooge McDuck in no time.

GIF via "Duck Tales."

1. Did you really get the best deal online? This service automatically tracks — and requests — refunds for you if the price drops.

Image via Paribus/YouTube.

A penny saved is a penny earned and Paribus will help you earn a lot of pennies with no effort. This startup automatically tracks your online purchases and monitors any price changes. If they see that that cat toy you ordered from Amazon dropped in price or you forgot a coupon you could have used during checkout, it automatically requests a refund for you! Sit back and watch the extra pennies roll in.

2. Stuff your savings account — one debit card swipe at a time.

Photo by Matt Cardy/Getty Images.

Apps like Digit and Qapital automatically put aside savings for you in different ways:

Qapital's approach is pretty straightforward: It tacks a little cash onto your everyday transactions — like that morning does of caffeine — and puts it away for you in an account. Picked up a 75-cent pack of gum? It'll round the transaction to a full dollar and put that sweet, sweet quarter away for a rainy day.

For folks who aren't fans of rounded up, there's Digit. After signing up, it looks at your spending patterns over a period of time to see how much it could put away without you noticing. This might be a more comfortable technique for people with inconsistent incomes, like freelancers or small-business owners.

3. Dip your toe into the investment pool.

Results may vary. GIF via "Wolf of Wall Street."

I dunno about you, but the idea of investing makes my head hurt. I sometimes have to breathe into a paper bag when I make my 401k selections. I'm told it's a big decision, but I don't know what the best selection is. WHAT IF I CHOOSE THE WRONG COMPANIES FOR MY PORTFOLIO?!

Apps like Acornsmake the process a lot less scary, and it's a huge hit. It takes your spare change when you want (daily, weekly, or monthly) and invests it into startup companies. Then you sit back and watch your investment account grow. The simple approach has been really attractive to young folk: So far, it's helped millennials save $25 million and counting.

4. Track your spending.

Warning: Seeing the numbers might make you want to resort to drastic measures. Photo by stevepb/Pixabay.

Have you ever gone to the ATM only to find your account overdrawn? And you seriously wonder "where in the world did all my money go?!" Services like Mint and Wave break it down for you by tracking your accounts and categorizing your purchases. If you're really in the mood for an automated killjoy, you can get email alerts when it notices you're spending more than usual — Thanks, Mint. I do know I spent more on clothes this month. Wait ... that's how much of my income? Now I know why they say "Ignorance is bliss" — or get texts to remind you when that bill due date is coming up.

5. Create some financial goals.

I mean, you do you ... but be a bit more specific. GIF via "The Fear."

Now that you know where your money is going, it'll be easier to know what sort of goals you want to set. There are a lot of different guidelines out there for saving — from Dave Ramsey's envelope system which doesn't allow ATM visits and requires only spending the cash you have in a categorized envelope to the 50/20/30 rule that prioritizes knowing your fixed costs, figuring out goals, and setting aside some cash for flexible spending. Using that info from a spending tracker, you can figure out which system would work best for you.

Let's say that you hypothetically spend too much of your money on new clothes. You might find Ramsey's envelope system useful because once you spend the cash in your wardrobe budget, you have to wait until next month to indulge ... no matter how great a sale Nordstrom has right now.

6. Make a budget.

Divvy up those monies! Photo by Chris Potter/Flickr.

The thought of making a budget can be daunting because it probably seems so complicated. There are some old-school ways like filling out a Google spreadsheet (there are several great free templates available). Or if you live on the Internet like me, you can try an app called You Need a Budget. It offers a hard-to-ignore way to look at your finances and spending habits in one fell swoop. A spreadsheet would take longer because you have to look up everything and enter it yourself while YNAB is automated after analyzing your spending habits and bills.

You can also stick with the money tracker Mint, which offers to help you establish a goal based on your spending history (or hopeful future) and gives you regular email updates about whether you're overspending in some areas..

7. Up your financial literacy game.

Then maybe we can understand what Nicki is doing here. GIF via VEVO/YouTube.

Knowledge is power — especially when it comes to money. If you've been wanting to know what the heck an investment portfolio is or why should someone should open a checking and a savings account, check out sites like NerdWallet, LearnVest, or MyMoney.Gov. They all provide a space that answers frequently asked questions about different financial terms, offer best practices on borrowing money, and give tips on achieving financial goals like building a savings account.They can make even the least math-inclined person able to become an investor and saver.

8. Find a bank that doesn't make you want to pull your hair out.

Photo by Poster Boy/Flickr.

I still have nightmares from my time as a college student when I was a member of Bank of America. I never understood why they kept charging me fees for being so poor. Didn't they understand that my low account balance meant that an extra $35 meant a lot to me?! I didn't know that using credit unions was even an option.

Sites like A Smarter Choice can help you find the bank that's just right for you. Just put in your location to find branches near you and look for the ones that you're eligible to join — some don't require more than proof that you live in your hometown.

9. Follow a personal finance blog to pick up tips that will work for you.

GIF via "New Girl."

When I decided to be more money-conscious, I was so overwhelmed by all the information out there. I was too busy to read a finance book (or even pick the right one, to be honest), so I found that taking in a little bit at a time was more manageable and useful. Following personal finance blogs like Lifehacker's Two Cents are helpful because they can give you intel on the latest app or offer an easy-to-understand explanation of that financial term you keep hearing but never understood. Even if I'm not able to do anything more than just live paycheck to paycheck, I find the regular visits helpful at least to help me keep my money goals in mind.

I get it: This is a lot of information, but don't feel bad if you don't feel ready to take on all of these tasks. Getting your personal finances in order can be a long journey, so don't get discouraged.

The leading cause of bankruptcy isn't overspending or lack of planning, but health care debt. So it's important to keep things in perspective. These recommendations aren't foolproof measures.


Photo by Olichel/Pixabay.

Here's to a 2016 where you can feel more confident and comfortable with working with what you have. Slowly but surely. One penny at a time.

Pop Culture

Mom leaves a 'heartbreaking' gift to flight passengers sitting next to her baby

"That's a mom trying so hard."

@callmebelly/TikTok

An excellent reminder to show kindness and patience.

Listening to a baby cry during a flight might be aggravating, but it’s nothing compared to the moans, groans, and eyerolls that the baby's parents must endure from other passengers when it happens. No matter what tips and tricks are used to try to soothe a little one’s temperament while 30,000 miles in the air, crying is almost inevitable. So, while having to ease their own child’s anxiety, moms and dads also must suffer being the pariah of the trip. What a nightmare.

Recently, one mom was apparently trying so hard to avoid upsetting her fellow flight members that she went above and beyond to essentially apologize ahead of time if her baby began to cry on its first flight. It was a gesture that, while thoughtful, had folks really feeling for how stressed that poor mom must be.

In a clip posted to his TikTok, one of the passengers—Elliot—explained that the mom handed out small care packages to those nearby.

“She’s already so busy and took the time to make these bags for everyone,” Elliot said, before panning the camera to reveal a Ziplock bag full of candy, along with a note that made him “want to cry.”

The note read: “It’s my first flight. I made a deal to be on my best behaviour—but I can’t make any guarantees. I might cry if I get scared or if my ears start to hurt. Here are some treats to make your flight enjoyable. Thank you for being patient with us. Have a great flight.”

@callmebelly♬ BIRDS OF A FEATHER - Billie Eilish

Like Elliot, those who watched the video felt some ambivalence at the well intentioned act. Many felt remorse that she would feel the need to appease people in this way.

“This is so sweet but also … kind of breaks my heart that we live in a world in which parents feel the need to do that.”

“Because jerk people have shamed parents into believing that they need to apologize for their kids' absolutely normal behavior. What a gem of a mom.”

“You know that sweet mom worried about this trip so much.”

“That poor mom probably spent nights awake … nervous about that flight, thinking of ways to keep strangers happy.”

"That's a mom trying so hard."

Many rallied behind the mom, arguing that making others feel more comfortable with her child being on board was in no way her responsibility.

“No mom should be apologizing. Adults can control their emotions … babies not …. Hugging this mom from a distance.”

“Dear new parents: no you don’t have to do this. Your babies have the right to exist. We all know babies cry. We know you try your best.”

Luckily, there are just as many stories of fellow passengers being completely compassionate towards parents with small children—from simply choosing to throw on their headphones during a tantrum (instead of throwing one themselves) to going out of their way to comfort a baby (and taking the load of a parent in the process). These little acts of kindness make more of an impact than we probably realize. Perhaps if we incorporated more of this “it takes a village” mindset, flying could be a little bit more pleasant for everyone involved.

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Woman listens to Cowboy Carter to prove it didn't deserve to win Grammy. She changes her mind.

“Y’all saying Beyoncé deserved to win I’ll happily listen to every single song and give you my honest opinion on them.”

Photo of surprised woman Canva/ Beyoncé photo by Blair Caldwell via Beyoncé Press

Woman listens to 'Cowboy Carter' after bashing Grammy win

Beyoncé winning a Grammy for Album of the Year and Best Country Album became the talk of social media with many upset that the multi-platinum star won the coveted award. There were conspiracy theories floating about saying everything from Jay-Z paid $1,000 to each Grammy voter to people saying the artist sold her soul. The critiques were abundant and mostly centered around people thinking the album wasn't country enough to be country or not good enough to be Album of the Year.

Many of the critiques mention her hit song Texas Hold 'Em as proof of their claims about the album not fitting into the country genre. From my observation of the discourse that dominated social media in the days after the Grammys was that most people were upset that their favorite singers didn't win. Dayshnae was one of those people visibly upset when Beyoncé won Album of the Year instead of Taylor Swift, who has won the award four times previously.

Dayshnae recorded herself watching the results and uploaded it to social media. In the short 37 second clip you hear the award announced and she immediately responds, "oh my god you've got to be kidding me. Nobody even listens to the album."

@dayshh_nae My reaction to the Grammys Album of the year announcement. #grammys2025 #albumoftheyear ♬ original sound - Dayshhnae ✨

After it was discovered that the music lover had never actually listened to the album she was sure didn't deserve a Grammy, people encouraged her to give it a listen. Instead of being upset and doubling down on her critique of music she never heard, Dayshnae decided to not only accept the challenge but to record her raw reaction to each song.

The thing about Beyoncé's most recent albums is the songs tell a story as a collection each building from the one before. Listeners can't simply pluck out one song to get a feel for the entire album since it's designed to be listened to in order to get the full effect of the story being told. Dayshnae gave it a listen and immediately was not a fan of the first song on the album. She rated the song a 4 out of 10 but she was not deterred.

@dayshh_nae Replying to @Matthew Day 1! Reaction is around 1:37. #cowboycarter #albumreaction ♬ original sound - Dayshhnae ✨

But commenters insisted that before she moved too far into the album she needed the backstory on why Beyoncé created a country album in the first place to have a deeper understanding of the lyrics. The new Beyoncé listener was floored after learning of the harsh treatment Beyoncé received at the 2016 CMAs when she was invited to sing with The Chicks. As she moves through the album she becomes visibly emotional when she gets to "16 Carriages," a song that seemingly details the struggle Beyoncé went through as a child star and her cold reception from the country music world.

"Oh. My. Heavens...I know some of you love track one and track two but track three just sold me. That was so powerful, intimate, emotional, raw. I'm listening to that again. I'm listening to that multiple times. Who was she talking about at the end? Wow. Wow," the new listener says.

@dayshh_nae Replying to @Ellis Reese I tried to post this yesterday. I had no idea about the 2016 CMAs. #cowboycarter #albumreview ♬ original sound - Dayshhnae ✨

Dayshnae's reaction to Willie Nelson's interlude left her with her mouth agape. Pushing through to the next songs, it didn't take long for her to appreciate the album even more. She explains in the beginning of one video that she originally stopped listening to Beyoncé a few years ago when her own music taste changed but diving back into the new album style the musician creates is requiring a bit more from her.

"Now what I've quickly realized is that it was way more than just simply seeing if I liked the album. There is history to unpack in this and that's what I've been learning along the way. What I'm going to dive into today before we listen to 'Protector' is that country music derived from enslaved African Americans, and derived from blues and gospel that the ancestors would sing while they were enslaved," Dayshnae reveals.

@dayshh_nae Replying to @Anna this is my favorite so far. Although with how much I have learned, I need to listen to track 1 &2 again! #cowboycarter #albumreview #dayswithdayshh #lifewithdayshh ♬ original sound - Dayshhnae ✨

The series is still going as the Cowboy Carter album has 27 songs and Dayshnae didn't start the series until a few days after the Grammy's in early February. She's currently listening to one song per day and giving a breakdown of what she thinks along with what she has learned. Her tune about Beyoncé's win has completely changed as she continues to make her way through the storybook-like album. People can't seem to get enough over her genuine openness to listening to the album and possibly changing her opinion.

"This is a fascinating journey to observe. Thank you for taking this exploration so seriously and respectfully," one person writes.

"LOVE THIS SO MUCH. Thank you for seeking to understand," another says.

@dayshh_nae Protector
♬ original sound - Dayshhnae ✨

"I’m so invested in your journey! Reliving my first time listening to Cowboy Carter through you rn," someone else shares.

"Arriving at the HISTORY of country music by song 4 is monumental! I am so impressed. No words. You’re becoming a country music aficionado," another person chimes in.

"I personally am enjoying you doing these videos and taking the time to learn something new and expand your knowledge. So, good for you. The album is really rich. I’m still learning from it a year on," someone adds.

@dayshh_nae♬ original sound - Dayshhnae ✨

While Beyoncé may not be everyone's favorite artist, it's clear that there was a lot of thought and vulnerability that went into this album. Commenters also pointed out how she used Cowboy Carter to spotlight the work of Black country artists that were not getting airtime on country radio stations like Shaboozy and Tanner Adell. Since Dayshnae isn't finished with the album, it's not clear what her overall rating will be but the journey is a wholesome one and an example of what it means to be open to changing your mind.

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Science

Innovative farm in Virginia can grow 4 million pounds of strawberries on less than one acre

This method uses 97 percent less land and up to 90 percent less water than conventional farming.

Photo credit: Canva

A new way to grow strawberries with less land, less water, and more berries.

Strawberry farm harvests aren't something most of us calculate on a regular basis (or ever at all), but the numbers from a strawberry farm in Richmond, Virginia, are staggering enough to make it worth an old-school word problem. If the average American eats 8 pounds of strawberries a year, and an average strawberry farm yields approximately 20,000 pounds of berries per acre, how many people could a 200-acre strawberry field feed?

I won't make you do the math. The answer is 500,000 people. But what if a crop that size, providing enough strawberries for half a million people, could be grown on just one acre instead of 200? It's possible. You just have to go—or rather grow—up, up, up.

Indoor vertical farm company Plenty Unlimited knows a lot about growing up. In fact, it's their entire business model. Instead of the sprawling fields that traditional farming methods require, vertical farms have a much smaller land footprint, utilizing proprietary towers for growing. Plenty has used vertical farming methods to grow greens such as lettuce, kale, spinach and more for years, but now it boasts a vertical berry farm that can yield a whopping 4 million pounds of strawberries on a little less than an acre.

Growing indoors means not being at the mercy of weather or climate inpredictability (barring a storm taking out your building), which is wise in the era of climate change. Unlike a traditional greenhouse which still uses the sun for light, Plenty's indoor vertical farms make use of the latest technology and research on light, pinpointing the wavelengths plants need from the sun to thrive and recreating them with LED lights. Plenty farms also don't use soil, as what plants really need is water and nutrients, which can be provided without soil (and with a lot less water than soil requires). Being able to carefully control water and nutrients means you can more easily control the size, taste and uniformity of the berries you’re growing.

If that sounds like a lot of control, it is. And that idea might freak people out. But when a highly controlled environment means not having to use pesticides and using up to 90% less water than traditional farming, it starts to sound like a solid, sustainable farming innovation.

Plenty even uses AI in its strawberry farm, according to its website:

“Every element of the Plenty Richmond Farm–including temperature, light and humidity–is precisely controlled through proprietary software to create the perfect environment for the strawberry plants to thrive. The farm uses AI to analyze more than 10 million data points each day across its 12 grow rooms, adapting each grow room’s environment to the evolving needs of the plants – creating the perfect environment for Driscoll’s proprietary plants to thrive and optimizing the strawberries’ flavor, texture and size.”

Plenty even has its own patent-pending method of pollinating the strawberry flowers that doesn’t require bees. Even just the fact that this enormous crop of strawberries will be coming from Virginia is notable, since the vast majority of strawberries in the U.S. are grown in California.

strawberry fieldTraditional strawberry farming takes up a lot of land.Photo credit: Canva

Plenty's Richmond farm is currently growing strawberries exclusively for Driscoll’s.

“Partnering with Plenty for the launch of the Richmond Farm allows us to bring our premium strawberries closer to consumers in the Northeast, the largest berry consumption region in the U.S.,” Driscoll’s CEO Soren Bjorn said in a press release. “By combining our 100 years of farming expertise and proprietary varieties along with Plenty’s cutting-edge technology, we can deliver the same consistent flavor and quality our customers love — now grown locally. This new innovative farm is a powerful step forward in continuing to drive category growth in new ways for our customers and consumers.”

Is Plenty’s model the farm of the future? Perhaps it’s one option, at least. The more we grapple with the impact of climate change and outdated, unsustainable farming practices, the more innovative ideas we’ll need to feed the masses. If they can get 4 million pounds of strawberries out of an acre of land, what else is possible?

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Pets

This couple has the clingiest cat on Earth and people can't get enough of his cute demands

There are clingy cats—and then there's Chase.

@dontstopmeowing/TikTok

Chase might just be the clingiest cat ever.

Cats are quirky. We all know this.

But those of us who have had multiple cats throughout our lives know that some cats are quirkier than others. Maybe they like to sleep with their face in a shoe (true story). Maybe they won't stop tearing into bags of Styrofoam packing peanuts and eating them, necessitating a shipping business to switch to cornstarch-based packaging (also true story). Maybe they can catch a crumpled-up piece of paper you toss into the air with their paws and bring it to you in their mouth like a dog playing fetch (awww, I miss that cat).

Or maybe their unique quirk is that they have to be velcroed to someone's body every minute of every day.

That's Chase the cat in a nutshell—super sweet, but super clingy.

Chase belongs to Kareem and Fifi of the TikTok channel @dontstopmeowing. The couple have become Internet famous for their three very chill cats. Their "spaw day" videos showing how their cats—Chase, Skye, and Millie—get pampered went viral in 2021, and they've gained a huge following sharing life with their cats.

All three are adorable, but Chase—oh, Chase is a special one. I've seen some clingy cats before, but nothing like this.

Watch:

@dontstopmeowing

Same Cat, Diff Day #fyp #foryou #foryoupage

Literally clingy, as in "won't stop clinging to the human." How many cats like to be carried around like a baby? Not many, I'd guess.

@dontstopmeowing

Not exactly your average kitty #fyp #foryou #foryoupage

When Chase wants Mommy, chase wants Mommy.

@dontstopmeowing

Where did he learn to be so clingy? 😭 #fyp #foryou #foryoupage

Of course, Chase doesn't always want Mommy. Sometimes it's Daddy's turn for all the lovin'.

@dontstopmeowing

😔💔 #fyp #foryou #foryoupage

Fifi shares videos of her attempting to train the clinginess out of Chase, which are hilarious. This one has been viewed 57 million times.

@dontstopmeowing

This is why he rips my clothes 😭 #fyp #foryou #foryoupage

She even dubbed the viral audio of a toddler video—"I just a baby!"—that fits perfectly with Chase's huggy antics.

@dontstopmeowing

He really thinks he’s a baby #fyp #foryou #foryoupage

Oh Chase. You're just too much.

@dontstopmeowing

I can’t stop laughing 😭 #fyp #foryou #foryoupage

And just because it's so dang cute, check out this video of Chase meeting a baby for the first time. (Warning: Wicked adorable baby giggles incoming. Hold onto your ovaries if you have 'em.)

@dontstopmeowing

Who’s reaction was your favorite? #fyp #foryou #foryoupage

The couple welcomed their first human baby, Taj, in January 2024 and Chase certainly had a hard time adjusting.


@dontstopmeowing

That guilty face at the end..#fyp #forypu #foryoupage

But today, it looks like Kareem, Fifi, Taj, Chase, Skye, and Millie are all one big happy family.

@dontstopmeowing

Not him parking his car 😭 #fyp #foryou #foryoupage

Keep up with the family on their TikTok and YouTube.


This article originally appeared three years ago.

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Education

Job recruiter is surprised when candidate put 671-day streak for Japanese Duolingo on his resume

Clever idea? Or just resume fluff?

@bllshfrv/Reddit, Wikipedia

Nearly two years of learning a language…something's had to have stuck.

In the age of algorithms and keywords and incredibly steep competition, people have to be more strategic and creative than ever to secure a good job. Especially when it comes to drafting a resume that stands out amongst hundreds of others.

Recently, one job recruiter was so impressed by one job seeker’s clever idea of listing their 671-day Duolingo streak—alongside a fluency in English and limited American Sign Language —under the "languages" section in their resume that he decided to share it online.

According to Newsweek, the job recruiter, named Bilal Ashrafov, was pleasantly surprised, and had even considered including something similar on his own resume, “but wasn't sure if it would come across as professional.”

“Seeing someone take that first step made me reflect on its relevance,” he said, noting that “a long-standing Duolingo streak can demonstrate dedication and continuous learning,” even if the popular app only requires a minute of practice a day.

After sharing the resume onto Reddit, others seemed to agree, and commended the potential employee for their innovative approach.

Someone sent a resume with their Duolingo streak under ‘Languages’
byu/bllshrfv induolingo

"Imagine explaining that in an interview—'I'm not just consistent, I'm Duolingo consistent!'" one viewer quipped.

Another commented, "If I was hiring, I would definitely interview this person."

Still another said, "It got noticed, didn't it? Sounds like not too bad of an idea."

Considering that there are a few ways folks can keep their Duolingo streak intact without truly getting proficient in a language, like continuing to purchase streak freezes, this idea might never take on as the new resume must-have. But, on a much broader scale, this story highlights the need to bring a bit of ourselves to our resumes. As the concept of portfolio careers, or a career that includes multiple income streams, rather than a single job title, becomes more and more mainstream, we’ve seen people find great success in listing what they uniquely bring to the table, professional or otherwise.

When it comes to adding resume items that pop, and offer a true reflection for who you really are, think about including:

Soft skills:

These are personal qualities that describe how you work and interact with others, such as conflict resolution or time management, and they are not only gaining importance across the workforce, but are highly transferable across different types of work.

Personal projects:

Whether you got paid for these isn’t paramount here. If you led a community initiative your passionate about, or even have a long-standing blog about something that interests you, this could be included.

Technical skills beyond the job description:

Do you have a proficiency in certain programs, like coding languages, data visualization, project management, etc? Even if a job doesn’t specifically ask for these skills, they could be helpful additions.

Creative or unique hobbies:

You never know what interesting conversations your oddball pastime might inspire, if anything else. So don’t be embarrassed if you’re a wiz a Photoshopping old-timey puppy portraits or engage in recreating Scandinavian folk tunes with GarageBand.

Community involvement:

This can be your volunteering roles, and mentorship programs you might have participated in, or even charities you have close ties to.

Academic achievements:

Include relevant published research papers or presentations, and awards or honors you received during your studies, or any significant contributions you might have made to a research project

These are just a few suggestions to get you started. Include a few, or perhaps your own impressive Duolingo streak, or something else. Just remember, sometimes it pays to think outside the box.

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