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Money management: We’re all dealing with it, and we’re all a little confused.

Money management doesn’t have to be a nightmare. Here are three quick ways to turn your finances around.

Work isn’t just a part of our lives, it’s one of the biggest parts.

Some people may only be obligated from 9 to 5, but with smartphones and evolving work cultures, we’re connected 24/7. A lot of us are logging over 70 hours each workweek because our phones enable us to take our work with us.

Jennifer J. Deal, Ph.D., author of "Always On, Never Done?" reports that remaining connected to work for so many hours each week leaves employees "only about 3 hours on workdays for 'discretionary' activities such as being with their family, exercising, showering, and all of those chores at home that someone has to do."

Only three hours per workday. We’re essentially never "off."

Despite working nearly nonstop, when payday rolls around, a lot of us can be left feeling like we'll never make enough.

GIF from "Finding Nemo."

Rent and mortgages, car payments, groceries, gas, nights out, pet emergencies, extracurriculars for the kids, family obligations — all of this takes a toll on our bank accounts.

It can feel like money is flying out of our accounts faster than it’s coming in. We’re working all the time but feeling like we’re just making it. We know we need to get a grip on our finances but have no idea where to start.

Here are three simple steps toward total financial domination.

1. Saving should be a part of the plan.

We hear it all the time: Save, save, save. Save for retirement. Save for emergencies. Save for travel. Figuring out how to save seems like it’s the holy grail, but how do we make that happen — especially if we feel like our money is already stretched too thin? The easiest first step is to, well, start with baby steps. Drink coffee at work or home instead of from a coffee shop, carry snacks and a reusable water bottle with you rather than buying them, come up with a quirky and fun challenge like saving all the $5 bills you accumulate, start a piggy bank — whatever is fun and doable for you.

2. Then, it all comes down to planning.

Don’t be afraid to budget. Yes, budget. It’s not a dirty word; it’s the way to freedom! Or at the very least the way to some financial flexibility. Take a look at how you’re spending money and figure out which items are needs versus wants.

Pro tip: Laura Shin, a Forbes personal finance writer, suggests keeping necessary expenses to less than 50% of your take-home pay.

Image view Tax Credits/Flickr.

Now, this isn’t always possible. Necessities are what they are, and for some of us, no amount of finagling can get them to that ideal amount.

Alan Dunn, founder of HowtoSaveMoney.com points out that, for some, "the sheer cost of survival may be very close to their total incomes." Still, it’s a pretty good benchmark to aim for, and having insight into your finances is step one on the road to financial security.

Now that you’ve begun to sort out the things you can’t live without, what about the things you want?

3. Give yourself an allowance! No, really.

Once you’ve broken down your finances into needs versus wants, build an allowance into your budget. Doing that gives you clear parameters — how much you can spend in a given pay period on things that aren’t necessities — and makes it easier to stay on track without feeling like you’re never able to treat yourself.

Make it easy for yourself to stay "on track." Image via Ben Sutherland/Flickr.

It's as simple as setting aside a fixed portion of what remains in your account after bills are taken care of. You may not be able to get everything you want at once — sometimes it’ll take a few months to put aside enough for a big purchase — but with planning, you can indulge a little.

Let's say, after all of your bills and savings are taken into account, you're able to spend $100 per month on anything your heart desires. You're dying to go to a music festival, but the tickets cost $175. It's not the end of the world! You don't have to forgo the festival, and you don't have to break your budget for the month — that would be a slippery slope. Put the $100 aside and wait until the following month when you'll have $200 at your disposal to get the tickets you want, guilt-free.

Payday might still suck…

Money will still leave your bank account at an astonishing rate that makes you believe Hogwarts is real, but you’ll feel more in control once you know where that money’s going and how to make it work for you.

Don’t feel guilty if you hit a few bumps in the road! We’re all navigating these murky money-management waters together.

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Pets

The most inspiring pet stories of 2024

Leading pet brand Nulo knows every cat and dog has the power to be incredible.

via Keswick Mountain Rescue Team/Instagram, Cat Protection/Youtube

Incredible pets deserve incredible food.

2024 was a year filled with heartwarming stories that reminded us of the incredible bond between humans and their furry companions. From acts of bravery to heartwarming gestures, these pets made a huge impact on the lives of their owners… and the lives of many, many more.

It’s stories like these that continue to inspire leading pet nutrition brand Nulo, which is committed to helping pets live their best lives with functional, delicious and nutritious food. Through their innovative and intentional formulas, Nulo fuels incredible cats and dogs just like the ones below each and every day.

Enjoy some stories below of 2024’s goodest boys and girls — courageous dogs, trauma-informed kitties and much, much more —that really show the unwavering love and loyalty animals bring into our lives. Their inspiring actions fuel incredible.

assets.rebelmouse.io

When a 71-year-old man went unconscious and collapsed during a steep hike, his golden retriever and a black labrador instinctively broke up into a rescue team — the smart and resourceful labrador going off to look for help, and the loyal goldie staying by its owner's side. Sometimes it’s smart to have two of “man’s best friends.”

assets.rebelmouse.io

Marley, a seven-year-old, black and white feline known for his "incredible gift of empathy” won Cat Protection's National Cat of the Year 2024 for the way he comforts women who have been enslaved, exploited and trafficked and staying at the Caritas Bakhita Safe House in London. He’s known to often leave a reassuring paw on guests’ legs to “let them know they’re not alone,” a gesture often called “the first kindness they’ve experienced in years.”

- YouTubewww.youtube.com

In early 2024, Kobe, a four-year-old husky with an extraordinary sense of smell, began digging obsessively in the yard. At first the pooch’s owner, Chanell Bell, thought this was just typical behavior, but soon discovered that Kobe had indeed detected a dangerously large cloud of natural gas that would have not only been seriously life-threatening to her, but the entire neighborhood. It’s like they say, “the nose knows.”

Eight-year-old golden retriever Roger, may have failed his drug-sniffing training in Taiwan, but it turns out he has a knack for rescue operations during natural disasters. After a 7.4-magnitude earthquake struck, Roger dug through the rubble of a collapsed building to locate the body of one of the 13 people killed in the quake, offering closure to a grieving family. This earned him the nickname of “the pride of Taiwan” on social media.

Dogs don’t only save humans — sometimes they rescue other animals as well.

When folks scrolling through the X account called “Animals Dying” saw a video of a creature swimming through murky water with a deer fawn in its jaws, they probably assumed it was an alligator enjoying its latest meal. But to everyone’s surprise and delight, it was actually a Labrador Retriever making sure the sweet little fawn didn’t drown.

Once a stray, 12-year-old Cilla found her home at Outwoods Primary School in Warwickshire, England, where she calms anxious students, inspires a community of cat lovers on X, and has even used her social media celebrity to help raise £5,000 to restock the school library — a place she loves to lounge in.

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In July, Bloodhound puppy and K-9 unit member Remi used his powerful nose to help an autistic and non-verbal boy who had gotten lost find his way back home. Deputy B. Belk, Remi’s partner, used a piece of sterile gauze to collect the scent from the boy’s forearms and the back of his neck and had Remi “reverse” track backwards for about half a mile to locate the child’s home in a nearby neighborhood.

- YouTubewww.youtube.com

When a beautiful pooch named Gita saw her 84-year-old owner fall and hurt his leg, she ran down to the main road, and refused to move until someone stopped to help. Eventually she was seen by a man named Deputy Wright, who tried to get Gita into his patrol car, but the dog wouldn’t budge. When Gita did finally bolt off, Wright followed her down to where the man had been stranded, and was able to help him. Without her protection, who knows if the man would have been found in time? “The loyalty and heroism of our furry friends never cease to amaze us,” Wright would end up writing on Facebook.

If there’s an incredible furry friend in your own life, nothing says “thank you” quite like a nourishing meal. Check out Nulo for a variety of recipes sure to be loved by your beloved pet.

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Family

Woman who was pressured to quit her job to raise stepdaughter's baby makes a bold decision

This sparked an important conversation about family responsibility.

via Pixabay

When parents can't step up, should grandparents step in?

A story that recently went viral on Reddit’s AITA forum asks an important question: What is a parent’s role in taking care of their grandchildren? The story is even further complicated because the woman at the center of the controversy is a stepparent.

At the time of writing her post, the woman, 38, met her husband Sam, 47, ten years ago, when his daughter, Leah, 25, was 15. The couple married five years ago after Leah had moved out to go to college.

Leah’s mom passed away when she was 10.

When Leah became pregnant she wanted to keep the baby, but her boyfriend didn’t. After the disagreement, the boyfriend broke up with her. This forced Leah to move back home because she couldn’t afford to be a single parent and live alone on a teacher’s salary.

Leah’s story is familiar to many young mothers facing similar difficulties.

The father isn’t involved in the baby’s life as a caretaker or financially. Sadly, research shows that 33% of all children in the U.S. are born without their biological fathers living in the home.

a young mother holds her baby

Single motherhood comes with unique hardships.

via Alexander Grey/Unsplash

The new mother is a teacher and can’t afford to live on her own with a child. In 2019, a study found that out the top 50 U.S. cities, Pittsburgh is the only one where a new teacher could afford rent.

Today, Portland, OR has joined the very short list of cities where an "average teacher can afford 91.3% of apartments within community distance of their school" according to a recent study.

The stressors of taking care of the baby made Leah realize she needed help.

“But once she had the baby around 4 months back, Leah seemed to realize having a baby is not the sunshine and rainbows she thought it was,” the woman wrote on Reddit. “She barely got any sleep during the last four months. All the while Sam was helping her with the baby while I did almost all chores myself.”

“Now her leave is ending. She did not want to leave the baby at daycare or with a nanny,” the woman continued. “Sam and I both work as well.”

Leah asked her stepmother if she would stay home with the baby. The stepmother said no because she never wanted to have a baby and she has a job. “I asked why Leah can't stay home with the baby herself,” the woman wrote. “She said how she was young and had to build a career. I said many people take breaks to raise kids, and she broke down crying about how she was so tired all the time being a mom and needed something else in her life too.”

A woman holds a newborn baby.

The demands of new motherhood are usually all-encompassing.

via Pixabay

After the woman told her stepdaughter no, her husband pressured her to stay home with the baby. But she refused to give up her job to raise her stepdaughter’s child. “Leah said yesterday how she wished her mom was alive since she would have had her back. She said I didn't love her, and my husband is also mad at me,” the woman wrote. The woman asked the Reddit community if she was in the wrong for “refusing to help my stepdaughter with the baby,” and the community responded with rapturous support.

"[The woman] should tell her husband to knock it off and stop trying to pressure her into raising his daughter’s baby. If he wants a family member to look after her baby while she works, then he can do it," user Heavy_Sand5228 wrote.

"This is Leah's baby that she alone chose to have. That doesn't obligate you to change YOUR life to suit her desires. The whole business of saying you don't love her because you won't quit your job to watch her baby is manipulative and messed up, and I'm shocked your husband is siding with her," user SupremeCourtJust-a** added.

Leah and many women like her are in this situation because, in many places, teachers are underpaid, rent is high, and not all dads pay child support, even those required by law.

Another commenter noted that the baby is much more the father’s responsibility than the stepmother's. "To add, Leah should consider seeking child support from her ex. Her kid should be getting that money," Obiterdicta wrote.

While there are resources to help stepparents connect with their stepchildren and step-grandchildren, it's important to remember that the responsibility to raise a child ultimately rests with the parent(s).

This article originally appeared last year.

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Wellness

Star neuroscientist Andrew Huberman breaks down two simple exercises to improve vision

The eyes are muscles like any other and need both stimulation and relaxation.

Canva

Treat the eyes like a muscle. Give them exercise and relaxation.

We spend a lot of time looking at things up close, particularly our screens. For many of us, it’s the first thing we look at in the morning, the last thing we look at before going to sleep, and the thing we look at most during all those hours in between. According to a study commissioned by Vision Direct, the average American will spend 44 years looking at a screen. You read that right. Over. Four. Decades.

Really, it’s no wonder that eyesight has worsened. Experts have declared that myopia, aka nearsightedness, has grown to an epidemic level. In addition, we suffer more headaches and migraines, get poor sleep, and tend to feel more fatigued.

Luckily, there are a few things we can do to help, whether we boast 20/20 vision or are already constantly squinting.

Neuroscientist Andrew Huberman, well known for his podcast “Huberman Lab,” breaks down all kinds of science-based life hacks for health, wellness, and fitness.

In addition to studying the brain, one of Huberman’s main research topics is vision. In a video, Huberman shares two simple exercises that can dramatically help improve eyesight.

First and foremost, we need to allow our vision to relax.

You can’t do this just by looking up from your computer screen. Instead, Huberman suggests going to a window and looking out at a point in the distance. Ideally, you would open the window because windows filter out a lot of the blue light and sunlight that you want during the daytime. Better yet, go to a balcony, relax your eyes, and look out at the horizon. This allows the eyes to relax and go into panoramic vision, relieving stress and fatigue.

According to Huberman, you should be doing some kind of relaxation of the eyes, face, and jaw for every 30 minutes of focused work—which works out to at least every 90 minutes.

Second, stimulate the eyes by focusing on motion.

Smooth pursuit is our natural ability to track individual objects moving through space. You can train or improve your vision simply by stimulating this mechanism. To do this, Huberman suggests taking a few minutes each day or every three days to visually track a ball. Or, get outside and watch objects move around. Think swooping birds, falling leaves, etc. If you couldn’t tell, Huberman is a big proponent of going outside.

Bottom line: Our eyes are muscles. Just like our biceps, they need stimulation and relaxation, and while we might not be able to get this kind of nourishment from our tiny screens, nature provides.

This article originally appeared last year.

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Popular

Golden Retriever's unbridled excitement over new dog bed is too sweet not to watch

Who wouldn’t be excited?

@wackowinston/TikTok, used with permission

May we all find something that makes us as happy as this dog bed makes Winston.

Dogs of every breed tend to get excited over the littlest things, but Golden Retrievers are just a bit extra whether its with their favorite toys, snacks, or in this case, their beds.

One proud goldie named Winston is winning hearts online thanks to his adorable reaction to a dog bed upgrade. It's honestly understandable—the bed is more of a mini couch. Who wouldn’t be excited?

Winston’s mom, Ashley Jance, not only manages to capture the wholesome moment, but provides the perfect narration.

"This is my old bed... and THIS is my new bed!" Jance says as, indeed, we see Winston jump on one bed then bound to the other as though he were a kid on Christmas showing off his new toys.

And, just like a kid, Winston doesn’t love the idea of sharing as indicated by his playful growls when Dad tries to sit on his new plush throne.

“He’s like, ‘get up!’” Jance says through giggles.

Down in the comments, viewers seemed to catch Winston’s enthusiasm.

“I love this for you Winston!” one person exclaimed.

Another added, “that is the cutest thing I’ve seen in a long time.”

@wackowinston

im very proud and excited

♬ original sound - Winston The Golden

Of course, not all dogs might take to dog beds as happily as Winston did. A 2012 survey by the American Pet Products Association found that 62% of small dogs, 41% of medium-sized dogs, and 32% of large dogs sleep with their owners.

It's a trend not soon to break. In 2022, Psychology Today reported that 76% of American dog owners allows their dogs to sleep with them.

Still, even for pups who don’t take to their own bed immediately, there are certain steps to take to make their beds seem a bit more appealing. Mostly, it takes establishing routine and safety along with some patience as a pet owner.

Of course, if traditional training doesn't work, pet owners could just show their furry friends this video of Winston because boy is his energy contagious!

If you're interested in getting your own pup a bed like Winston's, they're available on Amazon.


This article originally appeared March.

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Family

New evidence shows that playing video games has an unexpected effect on kids' IQ

Parents are going to have to rethink things a bit.

via Canva/Photos

Three children enjoying video games.

Since Pong first became a massive hit in the early ‘70s, parents have warned their kids that playing video games will rot their brains. How it not? Most gaming involves kids sitting alone in their homes, mashing buttons and a single game could go on for hours. There’s a good reason why parents should be concerned about the amount of time their kids spend staring at screens, but does gaming have an upside?

A 2022 report from the Karolinska Institute in Sweden has found that playing video games actually increases a child’s IQ. "Our results support the claim that screen time generally doesn't impair children's cognitive abilities, and that playing video games can actually help boost intelligence," neuroscientist Torkel Klingberg from the Karolinska Institute in Sweden said in 2022.

To reach this conclusion, the researchers looked at nearly 10,000 kids between the ages of 9 and 10 who, on average, spent 2.5 hours a day watching TV or online videos, 1 hour playing video games and 30 minutes socializing online with friends or family. Two years later, they compared data on 5,000 of these kids and found that those who spent more time than the norm playing video games had an IQ increase 2.5 points above the average rise.

The IQ point increase was based on their performance in tasks involving self-control, flexible thinking, memory, reading comprehension and visual-spatial processing.



“We didn’t examine the effects of screen behaviour on physical activity, sleep, well-being, or school performance, so we can’t say anything about that,” says Torkel Klingberg, professor of cognitive neuroscience at the Department of Neuroscience, Karolinska Institutet.

The researchers also note that there was no increase in IQ points for those who watched more TV or spent more time on social media than the norm.

Are video games bad for kids?

Kids who run to share this story with their parents should be careful because IQ is just one factor affected by playing video games. "We didn't examine the effects of screen behavior on physical activity, sleep, well-being, or school performance, so we can't say anything about that," said Klingberg. "We'll now be studying the effects of other environmental factors and how the cognitive effects relate to childhood brain development."



The study is a shot in the arm for those who believe video games are good for kids and those who like to play them. However, we know that video games can cause serious problems if played excessively. Studies show that gaming is associated with obesity because when you sit in front of a screen all day, you don’t have much time for exercise. Excessive gaming has also been associated with depression, anxiety, aggression, sleep deprivation, insomnia and circadian rhythm disorders.

Video game addiction has also become a serious problem and may affect over 60 million people worldwide. Parents should be wary of signs of video game addiction in their children, which include a loss of interest in other hobbies, withdrawal symptoms when they're not gaming, and aggression.

As with anything, the key to getting maximum benefits from gaming is to make the activity part of a balanced lifestyle that includes plenty of physical activity, socializing with friends, lots of sleep, good nutrition and a fair amount of reading time. The Child Mind Institute says kids over 6 should spend at most 1 hour a day playing video games on school days and 2 on the weekends. Kids under 6 shouldn't exceed 30 minutes a day playing video games.

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Husband's calm demeanor while encouraging his kids to give his wife 'space' delights fellow parents

Every Dad should try this.

Photo representation by Fortune Vieyra on Unsplash | Jeffery Erhunse on Unsplash

A calm husband is winning praise for giving wife space when raising their children

Parenting is a 24/7 job. However, Kier Gaines, a licensed therapist, husband and father of two little girls, is encouraging parents to take time and space alone to preserve their mental health. In a new video he shared on TikTok titled "Saving Your Partner's Mental Health", Gaines demonstrates the importance of parents creating space at home for not just themselves, but more importantly their partners.

He shows how it can be done by setting boundaries with their children when it comes to being constantly available to them--supporting his wife to take rest rather than busying herself with house work while affirming to his children that giving mommy space is a positive thing.

@kiergaines

From Daddy, with Love 🖤

"Give mommy some space, okay?" he says in the video as he is starting to cook in the kitchen. One of his daughters responds, "Okay. I just wanted to ask her a question."

In an understanding voice, he replies, "I know. Let's give her a little privacy. Let's give her a moment. You know how sometimes you go up in your room and you don't want to be bothered and we give you your space? I think everybody in the house needs that sometimes, what [do] you think?"

Gaines continues filming himself doing some kitchen organizing, pouring cereal boxes into storage containers before moving to the refrigerator to unload some drinks.

"Sydney, you wanna come help me?" he asks his daughter Sydney, before she replies, "No!" He quips, "True!"

man in long sleeve shirt standing beside girl in pink tank top washing hands Photo by CDC on Unsplash

Sydney then adds, "I am very busy right now!" Rather than get upset, Gaines sighs and says, "The fridge needs to be reorganized, but it ain't happening tonight! I'll tell you that."

His wife is heard off-camera chiming in, "I'll do it." But Gaines is having none of it. "Babe, rest your bones," he tells her. She replies, "Yeah, you're right," before Gaines adds in, "You've got enough going on," just..."motioning with his hands for her to step back and take a load off.

"You know I like to be busy," she responds, but Gaines reassures her that all is well as he continues to prepare a meal. "Yeah, you don't have to be busy when you don't have to. Go upstairs, get away from the kids."

The video ends on a funny note: as Gaines tries to open something with a knife, he drops it and it almost stabs his foot.

"Not today, Satan! Not today," he laughs.

Gaines' kind and gentle communication style sent his TikTok followers straight to the comment section to heap praise on him for being an amazing parent and spouse.

"The fact that you said, 'everybody needs space sometimes' instead of throwing mom under the bus with 'mommy needs time away or mommy needs a break' made my heart explode. What an awesome dad 😊," one TikToker wrote. Another added, "Father is fathering, partner is partnering... that's how family life should be ❤️."

Gaines was also commended for his soft tone. "The calm demeanor, the way you give explanations, ask questions, keep it kind. It made me cry. Dads don’t act like this as often as they should." And another declared, "the communication, the tone, and body language showing no anger, this is what every child deserves from their father and mother! i applaud you!❤️"

With nearly 28 million views on his video, Gaines deserves all the kudos.

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