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10 Ways You’re Losing Money Without Realizing It!
Most of us work hard for our money, and the last thing we want to do is throw any of it away. Of course, every once in a while, things do come up - like that time you spent more than you intended to, showing your out-of-town friend a great time; Or, when you dipped into your emergency fund to cover a car repair - and this is okay. It’s why building wiggle room into your budget is important. What’s not okay, is throwing away money on unnecessary fees, charges and missed opportunities! Here are a few common ways you’re losing money without realizing it! https://amzn.to/3qCGj7D
Number 1 - Throwing Out Food When you’re throwing food out, you’re wasting money – plain and simple. We’re all guilty of it, even with the best intentions. Food waste is a huge issue in our society, and many people don’t realize the extent of it. It might surprise you to learn that the average U.S. household throws out over $600 worth of food each year. Luckily, there are some simple ways to cut back on wasting food and money. You can start by making weekly grocery lists, and before going to the supermarket, try to see if you don’t already have certain items. It’s also a good idea to organize your cupboards from time to time, because you probably have stuff lying around in there that you aren’t even aware of. And you’ll find that a lot of it has already expired.
Number 2 - Restaurants and Takeout It's one thing to enjoy the occasional meal out, but if you're not careful, eating at restaurants too often can result in a serious waste of money! The average American household spends over $3,000 a year eating out. But did you know that in general, a restaurant’s food price is about three times its wholesale cost? That’s a 300 percent markup! Which means that for every $30 you spend, you're paying $20 extra compared to what it would cost you to make these meals at home. If you’re throwing away loads of money on restaurants and takeout, consider scaling back. Especially if you're struggling to save, or have other financial goals to meet. You don't need to go cold turkey, but if you cut your three restaurant meals a week down to just two, you'll save hundreds, if not thousands of dollars.
Number 3 - Bank Fees What’s more annoying than paying to use your own money? Well, that’s exactly what you’re doing when you spend $5 at out-of-network ATM’s. And that’s not the only fee you’ll pay if you’re not careful! Bank accounts can carry a lot of different charges, including overdraft and maintenance fees that could add up to hundreds of dollars a year. The good news is that you can avoid these charges entirely if you commit to better banking habits.
Number 4 - Unused Gift Cards Check your wallet and drawers, and you’ll likely find a gift card, or maybe several, that you haven’t used. Don’t worry, it’s not just you: It’s estimated that more than $45 billion worth of gift cards are collecting dust! If you have money to spend at retailers like Amazon - or companies like Visa or Amex - make an effort to use your card for things you already planned on purchasing. Also, keep in mind that some of these gift cards can have maintenance fees up to $2.50 per month until the card balance hits zero. So it’s best to use them sooner than later. If you got a gift card to a restaurant or store you don’t really like, sell it, or give it to someone as a gift. But be mindful. Don’t give a steakhouse gift card to your vegan friend. They’ll know right away that you were just trying to get rid of the card.
Number 5 - Subscriptions There’s nothing wrong with having subscriptions, but it becomes a problem when you pay for something that you don’t end up using! Subscriptions or memberships can entail any kind of membership or subscription service. From gym memberships to Magazines to Cable TV. The point is, if you don’t use it on a regular basis, you’re wasting money. Before you sign up for anything, think about how often you'll actually use it and whether there's a low-cost, or free alternative.
Number 6 - Overage Charges Unlimited talk time and unlimited texting is pretty much standard these days, but data plans are still a steady source of overage charges. While fees vary, you can still easily pay $10 to $15 extra for every gig that exceeds your monthly limit. If you do this consistently, you’re looking at an annual bill that’s hundreds more than you budgeted. You can easily fix this problem by finding a plan that matches your needs. You might pay more upfront, but it will cost less than what you pay in penalties. You can also try to scale back by using WiFi more often and disabling apps that drain your data.
Number 7 - Skipping Your Research If you want to stop wasting money, comparison shopping is very important. The last thing you want to do is buy some product on sale, and then find out that it’s crap. And this happens to many people regularly because they don’t research. Before you make any purchase, take the time to read reviews and find the best product for a good price. This applies to grocery shopping too. I mean the comparison part. You can usually find the same products at most grocery stores but some of them will charge double the price. Number 8 - Using Coupons Using coupons is one of the simplest ways to save money. But, have you ever stopped to think that you might be wasting money by using them? Your intent is to save money, but how often does this desire backfire and you end up not using the items you bought? Or worse, you didn’t budget for them. Then to add to this, you just fill up your cupboards with junk and create clutter only to find expired products years later. The trick is to simply use coupons for items you actually need or are planning on buying in the first place.
Number 9 - Airline Surcharges Travel fees are a great way to waste money, and they add up quickly. While there are costs that are mandatory, you can skip many by planning ahead. When the day of your flight rolls around, arrive prepared. This is especially important if you’re flying a discount carrier, as they are infamous for tacking on fees for everything from seat assignments to checking in. So bring your own blanket, food, and entertainment. And pack smart. Realistically, you won’t be able to carry on all the time, but there’s no excuse for showing up with oversized or overweight luggage, which can run you anywhere from $25 to $200 on domestic flights. Always check the weight of your luggage before you leave the house!
Number 10 - Keeping Up With The Joneses How many times have you seen something that someone else had, and you instantly wanted it too? We’ve all been there… It’s hard to escape the influence of others who live seemingly wealthy, free-and-easy lifestyles. And it’s really hard to escape the noise of all the advertisers who desperately want us to keep buying more stuff. Sadly, many people live beyond their means. And constantly trying to keep up with others will only lead you to being broke! So, next time you’re tempted by something your friends or neighbors have, take a hard look at your budget. If you don’t have the money for it, perhaps you shouldn’t buy it! So, what do you waste money on? Let us know in the comments below!

Also, raise your hand if Michael Porter Junior ruined your parlay tonight, again 🤦🏼‍♂️

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13 Signs You Are Suffering From Too Much Stress
Unless you’re a millionaire, you probably stress about all kinds of things, and most of the time, it’s over money. That’s not to say millionaires don’t stress, but they usually stress about how to make even more or they fear losing it all. Of course there are many other things that also cause stress but shit imagine if you didn’t have to worry about bills, school, and work and you could just do whatever you want all the time because you never had to worry about money. Anyways… Feelings of anxiety and tension probably get you at some point just about every day and stress is an emotional issue because it’s the way your body responds to what it perceives as an acute threat. The nervous system releases adrenaline and cortisol which are both stress hormones. People often don’t realize they’re stressed out and they minimize the stress they’re under and the effect it has. Now, in this video, you're not gonna learn to become rich, but the good news is that you can train yourself to spot the signs of too much stress before it becomes a chronic health problem. Sometimes, physical signs of stress are mistaken to be symptoms of some other issue, so pay attention to what your body is trying to tell you.
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Number 1 - Forgetfulness If you find yourself forgetting to do things lately, like forgetting to lock the front door or flush the toilet, you probably don’t have Alzheimer’s but it can be much more than a silly accident. Stress and anxiety can mess with your head and result in decrease in concentration and this can cause forgetfulness. Ongoing stress can shrink parts of your brain that are responsible for emotion, memory and your nervous system. The best way to fight this symptom is to exercise and everything will return to normal once your stress goes away.
Number 2 - Weight Gain Around The Waistline When you’re overstressed, your habits change, including your diet. If you find yourself eating and drinking more, this will result in weight gain. The “stress hormone” Cortisol plays a role in the fight-or-flight response, which is the physiological loop that gears your body up to fight against danger, or to run for your life. This is vital when faced with immediate danger, but increases in cortisol also occur in response to chronic, everyday stress. When cortisol is too high for too long, it can increase the amount of fat you hold in your belly. So, if your jeans don’t fit anymore even though you exercise regularly, stress is likely the cause, and it’s time to combine a healthier diet with stress management.
Number 3 - Stomach Aches Your nervous system is tightly linked to your digestive system and stress can interfere with this connection. If you just had a taco and your stomach is a mess, then just head over to the toilet. But if it happens often, and you aren’t on a taco diet, it might be stress. That uneasiness you feel in your belly, might be more than what you just ate. You can try over-the-counter pills, but the best natural way to deal with this symptom is to exercise.
Number 4 - Sore Jaw During the day, you’re ok, but then at night while you’re sleeping, you could be grinding your teeth. You don’t know it’s happening until you wake up, but then damn… you feel that sore jaw. Now, if you have a black eye complimenting your sore jaw and no recollection of the night before, then you probably ended up in a situation that you wouldn’t have if it weren’t for your drunk ass. Otherwise, it could be stress. It’s very common to grind your teeth when you’re stressing, and this is really bad stuff because it can lead to tooth damage and cracked teeth. It’s best to visit a dentist to see if there’s anything you can do. Usually they’ll give you a mouth guard for grinding.
Number 5 - Back Pain The fight-or-flight response to stress increases your blood pressure and speeds up your heart rate, and the stress hormones tighten the muscles. This can be very painful. Move as much as you can. If you have a desk job, get up every half an hour to stretch and walk around. If you have a shitty job where your boss is breathing down your neck constantly and you can’t afford to take a quick break for a stretch every 30 minutes, well, what can I say, perhaps it’s time to find a better job.
Number 6 - Constipation You feel like you need to go but it just doesn’t come out. Well, it’s probably not the tacos. Perhaps you could try to eat some in this case. But the cause is likely stress and this time you need magnesium. Stress hormone production requires high levels of magnesium, and stressful experiences lead to depletion of this mineral. In addition, if you’ve been eating loads of sugar, this could be further depleting your magnesium levels. Magnesium is often referred to as the “calming mineral” because it affects the way the brain and muscles relax during stress. And this includes the digestive tract. So, you gotta do what you gotta do, and try eating some more spinach, quinoa, almonds and cashews - and cut down on the sugar.
Number 7 - Cracked Lips or Sore Mouth This is a classic sign of vitamin B deficiency because B vitamins are necessary for extracting energy from the carbs, protein and fat we consume every day. When you stress, you use a lot of energy and the vitamin gets used up. B6 especially, plays a key role in our bodies producing the happy hormones serotonin and dopamine which are responsible for our mood, and melatonin which controls sleep. Eat more foods that are rich in Vitamin B6, such as bananas, leafy green vegetables, spinach, and potatoes.
Number 8 - Sleeping Too Much Snoozing and stress go hand in hand. Stressful situations and feeling stressed over an extended period of time can really mess with your sleep cycle and daytime alertness. It’s possible that what you are experiencing is your brain subconsciously making you sleep longer in order to avoid daytime stressors. Or, the stress is disrupting your sleep so the hours of shut eye you get are less restful, causing you to wake up tired. While a good night's sleep is essential for health, consistent oversleeping has been linked to a host of medical problems, including diabetes and heart disease. Practicing good sleep hygiene will help you get a healthy seven to eight hours of sleep each night, and experts recommend keeping the same bedtimes and wake times every day. They also recommend avoiding caffeine and alcohol close to bedtime. Exercising regularly and making your bedroom a comfortable environment can also help you get the amount of sleep you need.
Number 9 - Weird Dreams All The Time Strange dreams or even the same ones every night can be a symptom of stress. They make you feel anxious and on the edge. If you normally don’t dream (or don’t remember your dreams) and now all of a sudden it’s the opposite, try to figure out what’s changed in your life and if there’s anything that adds stress to your day. It could be the trigger.
Number 10 - Can’t Fall Asleep If you’re having trouble falling asleep or staying asleep, and you know that the cause it’s not caffeine, it’s time to do something about your stress levels. Stress can also lead to insomnia and then you can’t sleep at all. According to studies, stress increases the chances of that happening by 19%. When you’re worried, your nervous system doesn't shut down and you can’t sleep. Your brain stays hyperactive with no chance of resting. Try to spend some time "winding down." A person with insomnia needs a "buffer zone," a period of time to allow the activating processes in the brain to wind down. This allows the alerting mechanisms to decrease their activity so that the sleep systems can take over. Start winding down two hours before bedtime. Stop all work and end phone calls, and get off the computer. Instead, watch a light movie, read a book or listen to some calm music.
Number 11 - Can’t Concentrate Do you feel like you thrive under tight deadlines and tense situations? Maybe you do, but most of us don’t. I know I don’t. And even if you do, it doesn’t last. Chemicals in your brain help you stay focused for a while producing adrenaline that enhances your senses. But the more time you spend doing this, the more damage you’re causing. Too much adrenaline for long durations will make your brain notice and feel every little thing, making you distracted. So, instead of dwelling on a problem you can't solve, get your mind off it for a while. Shift your focus. Try whatever works for you, whether it's yoga, deep breathing, meditation, or just having a good laugh with a friend. The goal is to occupy yourself with a pleasant task. This will provide the energy to regroup later.
Number 12 - You Obsess Over Your Problems You can’t seem to get your mind off things, regardless of what it is. Whether it’s financial worries, relationship issues or whatever. This is a warning sign that stress is taking over your life. With excessive worrying, your mind and body go into overdrive as you constantly focus on "what might happen." But, you won’t be able to find a solution until you detach yourself from your problems and think more objectively. You need to think about how you can stop the stress. Set aside 15 minutes each day where you allow yourself to focus on problems and fears -- and then vow to let them go after the 15 minutes is up. Some people wear a rubber band on their wrist and "snap" the rubber band if they find themselves going into their "worry mode." Do whatever works for you!
Number 13 - Your Patience Is Wearing Thin Finding yourself becoming less patient with everyone around you, including people you actually care about, is often one of the first signs that stress is slowly starting to get to you. We often displace our anger and anxiety, taking it out on those nearby as a way of ensuring it gets expressed in some way, and this can do far more harm than good. If you’re snapping at people or feeling annoyed when in their company, let them know that you are stressed and consider that you might need to ask for help coping with stress. If any of these symptoms sound painfully familiar, it’s time to figure out exactly what is stressing you out and how you can deal with it effectively. Long term stress is detrimental to your mental and physical health, so it’s important to take care of yourself. It may be an unavoidable part of life, but there are healthy ways to manage stress and minimize its side effects. Examples include exercise such as walking, running, yoga or meditation; eating a healthy diet; and whenever possible, eliminating the source of the stress. If you wanna stress less, subscribe to our channel, and let us know in the comments below, what stresses you out the most?!

Any thoughts on doubling this $800? Preferably hit parlay or NBA Finals