3 Ways to Save Money as a Young Adult

3 Ways You Can Save Money as a Young Adult

Whether you're in college or trying to make it out in the "real world", it's important to save money in any way you can.

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Don't fall into a hole of debt as a young adult. Start making smart financial decisions and save money from the get-go. Here are some simple ways you can start saving money.

Start Budgeting

The most important thing you can do to save money is to start budgeting. Create a budget where you can lay out on paper how much you're making, how much you have to spend on necessities (rent, groceries, gas), and see how much is left. From what is left over, determine how much you should be saving per month. If you can save 25% of your paycheck, that's a great way to start an emergency fund. However, many people who are just starting out can't save that much, so just do what you can. Have a set amount of money per month for non-essentials and pleasure, such as eating out at nice restaurants, going to events, etc. By sticking to your budget, you won't fall into debt and you'll be saving at least a little bit of your income each month.

Make Smart Investments

It may seem difficult to start thinking about investing money when you don't have a ton to begin with, but you can start small and work your way up. Investing money will allow you to start making a passive income down the line, which means you'll be saving money without working any extra. You can make investments in the stock market, or by purchasing things that will save you money directly. For example, you could invest in solar panels which will end up saving you a ton of money down the line on utilities.

Pay Off Your Debt 

Many young adults are in debt, especially if they went to college and had to take out student loans. The key to not falling even deeper in the hole is by paying off your debt as fast as possible. This may mean you need to cut out some pleasure purchases such as a trip to Europe or even just not going out to dinner often. The faster you can pay off debt, the more money you'll save by not paying interest on your credit cards or student loans down the line.

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How Happiness In A Relationship Is So Important

What is the happiness and love that we as individuals deserve when it comes to our relationship?

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It's different for each of us. Some prefer being showered in gifts, being showed off on social media, bragged about to family and friends. But, what is the one thing that all of those have in common?

That would be the unmistakable amount of love your significant other has for you, that they will do anything to show you that they love you unconditionally. We all show our love for one another in various ways. I for one love being shown the love someone else has for me in small things they do.

It could be a simple 'good morning love' text message or even just a hug out of the blue. Knowing that someone cares so deeply about you is one of life's greatest gifts. Knowing that another human being loves you and wants to be with you, it makes us drunk off of love and our heads float up to the stars.

However, when we don't feel that love, that connection, that reassurance from our significant other that they love and care for us back, it can be an extremely overwhelming and a lonely feeling.

We start looking for those feelings and connections elsewhere. In our friends for reassurance if we look good or blowing up their phones for attention.

We start caring about if other people find us attractive or not, we relish in compliments that other people give us. We start looking for that happiness elsewhere. It's not because you stop loving your significant other or stop caring about them, but we as humans need to feel important and like we are needed by another person.

When you stop letting your significant other know how much you care about them or showcasing your love for them, even if it's a simple gesture like holding their hand or holding the door open for them, they will begin to look elsewhere.

Now I am in no way saying that they will cheat on you, but your relationship and their attitude and feelings towards you will never be the same until you start showing them how much they mean to you just as much as they do for you. I don't condone cheaters or staying in a relationship that you are not happy in.

Yes, some relationships go through hard times like distance or a traumatic event. However, the way I see it is if you entered into the relationship, to begin with, you obviously cared about that person a lot and if they show you that they care and love you for the person you are and your past then they deserve the same in return from you.

Relationships are not always easy, they take time, determination, communication, compromise, and love to stay afloat. If one of you isn't willing to give your all and put forth the effort needed then it will never work. A relationship can't be successful if it is only one-sided.

Despite peoples life's being busy on a day to day basis, you need to always find time for your significant other. Because at the end of the day when things hit the fan, your significant other should be the one that will be there no matter what and always be by your side.

All in all, you need to treat each other the way in which you would want to be treated in a relationship and treat them the way they should be treated despite whatever chaos is going on in the world about you. Love is the conquer of all and should never be thrown around or not taken seriously.

Loving someone else is a gift we are given by God and never taken lightly.

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3 Ways to Save Money on Utilities During Winter

As college students or young adults, we're always looking for ways to save some extra money each month. Here's how you can keep your house warm without spending a fortune on heating this winter.

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Don't leave your heater blasting for the next two months and pay a ton of money to the utility company. Here are three ways to keep warm and save money.

Make Sure Your Heating System Is Performing Optimally

Your heating system is what will keep your house warm throughout the winter months, but don't pay a ton of extra money because your system is working harder to heat your home. If your heating system is working at its best, it will save you a ton of money during the winter. If you think your system isn't working properly, you can have professionals come out and take a look.

Keep Your Home Insulated

Insulation helps to keep your home warm without using extra heat. By keeping your home insulated, you can save a fortune on utilities because your heating system will be doing a lot less heating. If you don't want to pay for insulation, you can do small things around the house to keep it warmer. Keep the curtains closed all the time to hold in heat. Have the fans turn the opposite way to circulate warm air. These small things can really make a difference.

Bundle Up

Instead of jumping straight to turn the heater on when it gets a bit cold in your home, bundle up with a sweater, sweatpants, and a blanket first. Keep yourself warm using comfy clothing instead of paying money to heat your home. You'll still feel just as toasty, and you'll see a big drop in your monthly utility bill from not using the heater as much.

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