Category Archives: How to learn

‘I think I have coronavirus’: Symptoms to watch, when to call a doctor, getting tested—and what to expect overall…

As the coronavirus outbreak continues to intensify, people are increasingly taking extra precautions in maintaining health and hygiene. Some schools and employers have responded to the global pandemic by shifting to online learning or asking employees to work from home.

With more than 127,000 COVID-19 cases worldwide (as of Thursday, March 12, 2020), according to data compiled by Johns Hopkins University, one question that still lingers is, “What should I do — and expect — if I think I have COVID-19?”

The short answer is: It depends. Although the disease has led to more than 4,700 deaths, “the most important message is that if you’re young and otherwise relatively healthy, it will most likely be similar to a common cold — or, worst case, the flu,”

If you feel sick and reasonably believe you have COVID-19, here’s a list of frequently asked questions, including symptoms to watch for, when to see a doctor, and getting tested:

What are the main symptoms of COVID-19?

According to the World Health Organization, common signs include fever, coughing, shortness of breath and breathing difficulties. In more severe cases, the infection can cause pneumonia, severe acute respiratory syndrome, kidney failure and death.

Symptoms range from mild to severe and may occur anywhere from two to 14 days after exposure, the Centers for Disease Control and Prevention says.

If you feel sick now, it’s possible you might have the common cold or flu (both have similar symptoms to COVID-19), Dr. Gregory Poland, professor of medicine and infectious diseases at the Mayo Clinic, tells CNBC Make It. The only way to tell if you have COVID-19 is to test for it — although there’s more reason to think you do if you’re in the higher risk group, he says.

Those at high risk include people over 60 who also have serious long-term health conditions, such as diabetes, heart disease or lung disease, Nancy Messonnier, director of CDC’s National Center for Immunization and Respiratory Diseases, said during a press briefing. People who smoke or vape may also have worse outcomes, according to New York City officials.

When should I see a doctor?

The CDC recommends calling your doctor if you develop any of the main symptoms, and have been in close contact with an infected person or recently traveled to an area with widespread of COVID-19.

If you have symptoms of severe illness (i.e., high or very low body temperature, shortness of breath, confusion or feeling you might pass out) and are a high-risk individual, you should seek medical care in an emergency department.

The CDC advises calling ahead before going to a doctor’s office or emergency room. Tell them about your symptoms and recent travels so they can prepare for your arrival. You may be asked to wear a face mask to avoid infecting others.

How do I get tested for COVID-19?

If your doctor thinks a test is appropriate, based on the most recent CDC guidelines, he or she can request a test. However, since the breadth of testing capacity is still unclear, there’s no guarantee you’ll get one right away.

In February, under mounting pressure from state and local officials, the US Food and Drug Administration expanded the types of labs that could run COVID-19 tests, allowing private national labs like Quest Diagnostics and LabCorp to start testing. (As of March 10, 2020, at least 78 state and local health labs in the US have testing capacity, according to Association of Public Health Laboratories.)

Testing involves taking samples from the nose and mouth or, for seriously ill patients, the lungs. Timing for test results will vary depending on the lab. For some, like the Stanford Health Care Clinical Virology Laboratory, results can take anywhere from 12 to 24 hours.

What if I test positive?

For the most part, the CDC suggests:

Staying at home (except to get medical care). Restrict activities outside of home. Avoid public places (i.e., work or school) and public transportation (i.e., trains, buses, ride-sharing services and taxis).

Separating yourself from others in your home. If you live with other people, stay in a separate room and, if possible, use a separate bathroom.

Wearing a face mask. If you can’t wear a face mask (i.e., because it causes trouble breathing), then those who live with you should wear one when they’re in the same room as you.

Washing your hands often. Do this with soap and water for at least 20 seconds. If you don’t have access to soap and water, clean your hands with an alcohol-based hand sanitizer that contains at least 60% alcohol.

When can I go back to work?

If you’re sick, the CDC advises staying home from work until at least 24 hours after your fever — 100 degrees Fahrenheit (37.8 degrees Celsius) or greater — is gone.

Your employer may have a pandemic preparedness plan in place, so make sure you speak with your supervisor about your options. (For more information, here’s the CDC’s Interim Guidance for Businesses and Employers.)

Is there a treatment or vaccine available for COVID-19?

There are no antiviral medications that treat COVID-19 at this time, according to the CDC. However, just like any viral infection, Dr. Kesh says taking certain measures can help:

Getting plenty of rest.

Staying well hydrated.

Taking medication (i.e., acetaminophen, ibuprofen or naproxen) to reduce fever and ease aches and pains. (Make sure you follow directions and keep track of all the ingredients and the doses.)

Food delivery during the coronavirus outbreak: Follow these 3 rules to stay safe…

Keep yourself and your food or grocery delivery driver healthy and germ-free with these tips.

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If you’re staying home more often as a result of the coronavirus outbreak, you might be wondering: Can I still order food or grocery delivery? And is it safe?

The answer, for now, is yes: Food and grocery delivery services such as DoorDash, Postmates, Grubhub, Uber Eats and Instacart are still up and running.

There is currently no evidence that COVID-19 can be transmitted through food or food packaging, according to the CDC and the FDA, though germs are known to live on surfaces up to nine days. The bigger potential issue is transmitting the new coronavirus from delivery person to customer, or vice versa, through coughing, vaporized air particles or other direct contact.

In response, many food delivery services are moving to contactless drop-offs, or encouraging customers to take advantage of drop-off instructions to minimize the chance of spreading the virus. Earlier in March, food delivery service Postmates introduced a feature called Dropoff Options, giving customers the ability to choose to either meet their delivery driver at the door, curbside, or go non-contact and have deliveries left at the door. Grocery delivery service Instacart launched a Leave at My Door Delivery option across the US.

Here are three tips for safely ordering food or grocery delivery, if you are sick, quarantined, or just staying in to try and stay healthy.

Leave delivery instructions
Whenever you order take-out or groceries online, you’ll see an empty field titled “delivery instructions.” Normally, you might use this to provide a gate code, but now, you can ask drivers to drop off food at the door, or send a photo of where the food should be left. Customers can often also contact their driver directly through the apps to make any delivery arrangements, as soon as the driver accepts the order.

You can keep up to date on what your preferred delivery app or service is doing to mitigate infection on their websites. For example, DoorDash is distributing hand sanitizer and gloves to drivers, and is working with restaurants to share some best practices for handling food at this time, like taping over ends of straws, a spokesperson said.

Grubhub provided drivers and restaurants with the CDC’s recommendations for best hygiene and appropriate precautions for interacting with others, a spokesperson told CNET. Uber Eats is also giving drivers car disinfectant, prioritizing “cities with the greatest need,” according to its website.

Immediately wash your hands
To play it safe, wash your hands for at least 20 seconds, and avoid touching your face after bringing your food or grocery delivery inside.

Restaurants and other food services are highly regulated by health officials, and have had protocols in place for years to avoid spreading influenza, norovirus, hepatitis A and other viruses.

“There is no evidence for COVID-19 being transmitted through food,” Leana Wen, an emergency physician and public health professor at George Washington University, as well as the former Baltimore Health Commissioner, told CNET. “However, the virus can live on instruments that people touch, including takeout containers and utensils. Therefore, people should wash our hands after we touch these items and before we eat or touch our faces.”

There are no rules in terms of how to remove food from takeout containers, but you’d probably be safest putting it on your own plate or container, throwing out the takeout container and washing your hands before eating.

Like other viruses, coronavirus can also survive on surfaces or objects, so it’s important to keep those clean. Recycle the bags that the food comes in, and disinfect your tables and counters before and after you eat.

You should also follow normal food safety procedures from the CDC, like refrigerating leftovers within two hours. It’s also best not to share utensils or cups with your fellow diners.

Overtip your driver. It’s the right thing to do
Food delivery drivers are typically either paid by the job (on gig platforms like DoorDash) or by the hour (at other restaurants). They don’t have a work from home option if they want to earn money.

CNET’s Dale Smith recommends tipping food delivery drivers 20% or more during special circumstances like these. The safest way to tip your driver is through a food delivery app. If you tip with cash, make sure to wash your hands after you touch any bills. And if you have to sign a receipt to add a tip via credit card, use your own pen and again, wash those hands afterward.

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Excellent Message for all…


Birth: Given by others
Name: Given by others
Education: Given by others
Income: Given by others
Respect: Given by others
First & Last Bath: Will be given by others
After Death Your
Property & Belongings: Will be taken by others
Funeral Service: Will be done by others
Still I wonder why we have the unnecessary ego problems in life.
Let us all simplify our life & Love & Live with others peacefully.

“Live for yourself, you will live in vain. Live for others, you will live again.”
Only a life lived for others is a life worthwhile.
Live for yourself and you will live in vain; Live for others, and you will live again.
Those who bring sunshine into the lives of others cannot keep it from themselves.
There is a magnet in your heart that will attract true friends. That magnet is unselfishness, thinking of others first; when you learn to live for others, they will live for you.
And so, I have to live. Because we live for more than just ourselves, most of the time we live for others, keep putting one foot before the other, left and right, left and right, so that walking becomes a habit, just like breathing. Ina n out, left and right.
For to be free is not merely to cast off one’s chains, but to live in a way that respects and enhances the freedom of others.
Life becomes harder for us when we live for others, but it also becomes richer and happier.
I don’t know what your destiny will be, but one thing I know: the only ones among you who will be really happy are those who will have sought and found how to serve.
A great many people (not you) do now seem to think that the mere state of being worried is in itself meritorious. I don’t think it is. We must, if it so happens, give our lives for others: but even while we’re doing it, I think we’re meant to enjoy Our Lord and, in Him, our friends, our food, our sleep, our jokes, and the birds’ song and the frosty sunrise.
Live simply so others may simply live.
Youth ends when egotism does; maturity begins when one lives for others.
He was right in saying that the only certain happiness in life is to live for others.
To laugh often and love much; to win the respect of intelligent persons and the affection of children; to earn the approbation of honest critics and endure the betrayal of false friends; to appreciate beauty.
One of the secrets in life is that we really lead a better life when we’re living for others than we do when we’re living for ourselves, and I think that’s the way for our creator intended for it to be, is that if we can live for other people, we really leave this world in a different way.
Learning to live for others isn’t something that just comes naturally to anybody. You have to train yourself to do it.
They only live, who live for others, the rest are more dead than alive.
We travel, some of us forever, to seek other states, other lives, other souls.
Forget yourself and live for others, for It is more blessed to give than to receive.
We can choose to use our lives for others to bring about a better and more just world for our children. People who make that choice will know hardship and sacrifice. But if you give yourself totally to the non-violence struggle for peace and justice you also find that people give you their hearts and you will never go hungry and never be alone. And in giving of yourself you will discover a whole new life full of meaning and love.
The way not to lead a monotonous life is to live for others.
Our society is filled with runaways, dropouts, and quitters. The epidemic of walking away has hit our land with effects as devastating as the bubonic plague, and it has destroyed millions of effective lives and relationships. We are so self-centered that we have ceased to lay down our lives for others. We have seen others faint or walk away and we have followed in their weakness. We have fainted when we could have persevered by exchanging our strength for His! With His strength, not only could we have kept on walking, we could have run!
God wants you to live for others and to live that presence well.
I don’t believe in religion. I believe the example of Christ. I believe in the example of a perfect human being that if you can live for other people away from yourself you will be happy. If you live for yourself you will be unhappy and then you will not be able to sleep or do anything else… finally. I think insofar, and I really believe this, insofar as people do live with the other fellow [God] in mind, they have to be happy you know? Because it raises you up.
If I live for self, I can only live for one; if I live for others, I can live for 3,000,000,000.
They alone live, who live for others.
She’s the sort of woman who lives for others – you can tell the others by their hunted expression.
I feel very lucky because of my parents and then my education, the opportunities that I’ve had, so I would like to continue working to improve lives for others.
The man who lives for himself is a failure; the man who lives for others has achieved true success.
The man who attempts to live for others is a dependent. He is a parasite in motive and makes parasites of those he serves.
All women are brought up from the very earliest years in the belief that their ideal of character is the very opposite to that of men; not self-will, and government by self-control, but submission and yielding to the control of others. All the moralities tell them that it is their nature to live for others; to make complete abnegation of themselves, and to have no life but in their affections.
Namely, if I am challenging the base of all these institutions, I’m challenging the moral code of altruism. The precept that man’s moral duty is to live for others. That man must sacrifice himself to others. Which is the present-day morality.
The man who lives for himself is a failure. Even if he gains much wealth, position or fortune, he is still a failure. The man who lives for others has achieved true success. A rich man who consecrates his wealth and his position to the good of humanity is a success.
By trying to live Christmas 12 months a year, we CAN make this world a better place to live – for others and for ourselves.
When you learn to live for others, they will live for you.
When you live for others’ opinions, you are dead.
They who will live for others shall have great troubles, but they shall seem to them small. Those who will live for themselves shall have small troubles, but they shall seem to them great.

Excellent Message for all…


Birth: Given by others
Name: Given by others
Education: Given by others
Income: Given by others
Respect: Given by others
First & Last Bath: Will be given by others
After Death Your
Property & Belongings: Will be taken by others
Funeral Service: Will be done by others
Still I wonder why we have the unnecessary ego problems in life.
Let us all simplify our life & Love & Live with others peacefully.

Student Travel Insurance…

about Student Travel Insurance
The world is a small place these days and a lot of students from all over the world travel to different countries in order to pursue their higher education for specific courses. student travel insurance plans are designed specifically with the students were people traveling to foreign countries for their educational purposes. The prime aspects that are covered in this type of insurance policy into financial compensation in case there is an interruption during the studies, protection to the sponsors, etc. People can use the student travel insurance with the word travel insurance plans but it is important to understand additional coverages that are being offered in the student travel insurance plans. Student travel journey especially in case of emergency medical expenses write from providing coverage for the hospitalization expenses to making the payments of the tuition fees that are paid in advance this plan covers it all. Increase of a critical or terminal illness this plan also sponsors the travel tickets of one of the family members of the insured person when he or she is hospitalized for over 8 days. In addition to the medical expenses, student travel insurance also provides coverage in case the insured person faces a loss of their documents such as a passport or the travel baggage. It is important to know that student travel insurance is only available between the age group of 16 to 35 years. If you are planning to travel abroad for studies, we advised that you definitely take a student travel insurance plan to keep yourself covered and protected from any unfortunate events. Having travel insurance that is tailor-made especially for students makes it easier for those looking to travel safely. Student travel insurance allows you to remain protected abroad. Travelling as a student is an exciting experience – you get to explore new places at a young age, meet and interact with new and interesting people and also learn a thing or two about yourself. However, students also need to be aware of their budget – most of which is limited. Visiting a new country can sometimes not go as planned, and having insurance is one sure-shot way to ensure that you’re covered in case of any accident, mishap or unforeseeable circumstances.
In such cases, having travel insurance that is tailor-made especially for students makes it easier for those looking to travel safely. A student travel insurance India allows you to remain protected abroad.
Studying abroad means that you’ve to acclimatize yourself to a new culture and country, while also ensuring that you prepare for their kind of food. Chances of falling ill during the first few months are higher and require you to stay safe. It is during this time that student insurance will come in handy and ensure you’re protected against any medical expenses that could pop up.
How do I get myself a Student Travel Insurance?
One good way to go about getting yourself insurance is by getting the Student Explore offer which is available on our website. It allows you to choose from a myriad of plans which make it easier for you to choose from. This way, you remain protected against any sudden mishap as the plan covers a range of illnesses and diseases.
The travel insurance for student’s plan is planned in such a way that you enjoy some new-age benefits. You will be able to get a catalogue of services that will make your stay abroad much safer. The premiums for these services are low enough to be affordable by students. Check: International Travel Insurance
Key Benefits of Student Travel Insurance Plan
With Student Explore, you can cover all the major aspects of the plan, including the likes of in-patient care, medical expenses and so much more. It becomes easier for you to choose a plan that suits your needs and benefits.
Here are some of the main features and benefits of the Student Explore plan:
You can enjoy a long and comprehensive list of the travel, medical and non-medical expenses that are present in our catalogue
You can also choose optional covers for your mandatory university requirements. This makes it simpler to understand the various offerings and then take a call post that
The coverage tenure is need-based and extends anywhere from 1 month to 3 years.
The Student Explore package also allows you to choose your very own geographical scope of coverage
There are also many other features that come along with it, including sponsor protection, bail bond, laptop/tablet and accidental benefits just to name a few
There is no pre-policy checkup that is needed for those looking to go through with the purchase
The package is available at a low and affordable cost, perfect for those who are going to study in international universities

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Best Travel Insurance for Parents Visiting Dubai…

TRAVEL INSURANCE
Why Choose Travel Insurance for Parents Visiting Dubai?
With several Indians living in Dubai, many Indian parents are now traveling to Dubai to meet their families. However, traveling alone to Dubai can be perilous for them. Also, some of them might not be able to adapt to the weather conditions of a foreign country. The medical costs in Dubai are higher as compared to other countries. Even a doctor visit without insurance coverage can cause an impact on you and your parent’s savings. Therefore, it is always suggested to opt for travel insurance before their trip to secure them against any adversity in case of personal accident and illness.
It is advised to get Dubai travel insurance for your parents visiting from India that cover comprehensive coverage for medical care, pre-existing condition, and medical evacuation.
Get their Physical Check-up Done Before the Trip: If your parents are not suffering from any ailment it is a good idea to get a check-up done and consult a doctor before traveling to Dubai. This can help you discover if they have any medical condition and a recommendation can help you prepare the trip better. If you are parents who are traveling for longer duration makes sure you get their medical checkup done.
Insurance plan with medical tests provides better coverage and fewer claim disputes.
Keep the Travel Documents Handy: Parents traveling to Dubai should carry important documents such as passport, emergency contacts, and visas. Having travel insurance can help you in case of any such emergency.
Insurance for Parents with Pre-existing Conditions: These days medical conditions such as diabetes and hypertension are common among elderly parents. Therefore, it gets important to buy a plan that provides pre-existing coverage. Some of the insurance plans provide limited coverage in case of severe conditions. It is advisable to buy travel insurance online for parents visiting Dubai as the medical costs are very high.
Maintain First-aid: Travelers should always keep important medicines handy so that no time is wasted looking for them whenever they are needed. Also, it is advised to keep plenty of medicines so that you can make it through the flight, in case of any delay.
Carry Healthy Snacks While Traveling: It is advised not to stay hungry when traveling overseas. Carry some healthy snacks such as nuts, fruits, and energy bars, and keep them handy while traveling. Try to avoid snacks that do not leak and can be kept in your handbag.
Final Thoughts
Getting international travel insurance acts as a financial cushion in case any mishap occurs such as
accident, loss of checked-in baggage and illness. As parents grow with age, they become vulnerable to various health-related risks; hence, buying travel insurance is highly recommended.
Religare Health Insurance is a leading insurance company that provides various comprehensive plans against loss of baggage and provides financial compensation against medical treatments.
Your parents have taken your care throughout, now it is your turn to take care of them. Opting for international travel Insurance will ensure their comfort while traveling to any part of the world.

Mediclaim insurance
How to Cure a Heart Block?
What is Heart Block?
Heart block is a condition in which the rhythm or rate of the heart is affected. This means that the pattern of the heartbeat and the number of times it beats varies irregularly with time.
Causes
During every heartbeat, an electrical impulse runs from the upper to the lower chambers. This impulse signal the heart to contract and pumps blood to the rest of the body. A delay, disruption, of obstruction of the pathway for these electrical signals, can cause this irregular heartbeat.
Some people suffer from heart block since birth. This disorder is known as congenital heart block and typically arises due to autoimmune diseases such as lupus or a birth defect.
For others, it develops later in life due to numerous reasons. These include:
Surgery that affects the electrical system of the heart
Gene modifications
Diseases and muscle disorders
Clogged arteries, inflammation of the heart muscle, or heart failure
Types of Heart Block
There are three types of heart block based on severity:
First Degree Heart Block:
This disorder involves some minor heartbeat disruptions and missed beats. It generally does not require treatment and is the least serious type of heart block. In most cases, it is not even noticed by the person suffering from the disorder.
Second Degree Heart Block:
Here, certain signals don’t reach the right places. Typically the heart beats slower than usual and there will be some dropped beats. This heart block is more severe and is quite noticeable. It will affect the day-to-day life of an individual and will require treatment.
Third Degree Heart Block:
Also known as a complete heart block, no electrical messages get through. The rhythm of the heartbeat is very low, and in some extreme cases may even stop completely. This type of heart block may be fatal and will require immediate treatment.
Heart Block Treatment
Depending on the severity, various heart block treatments are available:
Medication
Numerous anti-arrhythmic drugs are available, that can modify the electrical signals of the heart, ensuring regulation of the heartbeat. Typically, the patient is kept under observation while testing the medication for a period of two days. Then, they are taken back to the laboratory for a follow-up electrophysiology study. The goal of this test is to find the drug that worked best for that particular individual.
Pacemaker and Implantable Devices
These devices are implanted beneath the skin, usually below the collarbone. They are connected to a wire or wires that are connected to the heart through a vein. The device gives a tiny electrical impulse that stimulates the heart to beat whenever necessary. These devices work on demand whenever they sense a slow heart rhythm.
Implantable Cardioverter Defibrillator
This is a device for individuals who are prone to severe rapid heart rhythms that are life-threatening. Similar to a pacemaker, it is also inserted underneath the skin below the collarbone but is a little bigger. A wire is positioned inside the heart through a vein, and it performs the exact opposite action of a pacemaker. It provides an electrical impulse when the heart rate is too fast. In some cases, it can also increase the heart rate when it is deemed to be too slow.
Catheter Ablation
In this treatment for heart block, a tiny metal-tipped wire is inserted into the heart through an artery or vein in the leg to stop abnormal electrical impulses in the heart tissue. This technique allows patients to leave the hospital in just a single day, which is a fraction of the time it would take to recover from open-heart surgery. This is typically only used for patients who do not respond well to medications or those who cannot take them.
Changes to Lifestyle
Certain types of heart blocks occur due to artery blockages and heart failure. In such cases, simple changes to lifestyle can ensure heart block treatment without surgery. Daily exercise, for at least 30 minutes, and a balanced diet can do wonders for heart health. In addition to this, avoiding alcohol consumption and smoking can significantly improve heart function and health. On sustaining this lifestyle for a period of several months, clogged arteries and coronary heart disease risk are considerably lower, and it may even completely eliminate heart block in certain individuals.
Religare Health Insurance offers comprehensive insurance policies for heart-related disorders. Care Heart insurance plan is targeted for individuals already suffering from pre-existing heart issues, and Heart Mediclaim is an indemnity-based policy that provides cover against 16 different heart illnesses. A healthy lifestyle will also see benefits in other spheres of life and is something that every individual must strive for. Insurance must only act as a fallback in the case of an unexpected complication.

Health Insurance
Life is about experiencing every good bit of it throughout one’s lifetime; be it a walk in the park with your parents or building memories of playing with your little one. At Religare Health Insurance, we understand that these experiences can be truly rejoiced when one lives a healthy life without having to worry about any unforeseen medical issues.

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Best Smart Travel Gadgets for Any Trip…

GADGETS

If you are the lucky enough to get a chance to travel the world then you should enjoy it the most. While travelling you cannot carry your home with you but you will need most of the stuff you need at home. In this article we will describe best travel gadgets which will hardly occupy few inches in your bag and solve multiple purposes.
Understanding that everyone has different needs when they travel, we’ve divided our list in different categories.
When it comes to travel, I am overall anti-gadget; like many independent travelers, I’d rather pack light than lug tons of stuff around in an attempt to carry every convenience of home with me on the road. That said, some travel gadgets are essential to just about every packing list. Besides your smartphone—which is a given for just about all of us—I’ve come up with the 12 best travel gadgets that deserve inclusion in your carry-on.
Universal (All-in-One) Plug Adapter
https://amzn.to/2wzd0GM
After years of thrashing through a bag of adapters before every international trip, I was thrilled when all-in-one adapters started appearing on the market—that is, until I tried to use one in actual wall outlets.
Some outlets are recessed, requiring an extender that seemed not to be included in most adapter sets. Some adapters didn’t seem to correspond to the shape that you found in the guidebooks for the country you were visiting. Others were poorly made and came apart after a few days’ use.
That is mostly over, as today’s all-in-one adapters address most of these issues with a built-in extender on the European adapter plugs. Most have enough options that you will never be out of luck, and they tend to be better made to boot.
Noise-Canceling Headphones
https://amzn.to/38QUFmZ
“Noise-canceling headphones were probably the best travel investment I have made,” says pro photographer Erik Dresser, who logs tens of thousands of air miles each year for his work. Dresser notes that the headphones let him shut out the general din of the aircraft so he can relax more easily, permit him to sleep in flight without getting woken up by chatting passengers and crying babies, and signal to others that he is not up for socializing.
USB Flash Drive
https://amzn.to/2VdibGL

A USB flash drive (also known as a thumb drive) can come in handy on any number of occasions while traveling, such as sharing a document with the hotel front desk so they can print it for you or accessing a photo of your passport if it’s lost or stolen.
Portable Phone Charger
https://amzn.to/2SPM0eT
On two separate occasions in the past few years (a company party and a fundraiser), the “party favor” was a small, rechargeable USB phone charger, probably the most useful and welcome party favor in history. The only thing about “party favor” quality chargers is that they tend to fail pretty quickly, so purchasing a good one is probably worth the money.
This one from Anker will give you a heap of charges, which beats buying drinks you don’t need at a coffee shop just to be able to plug in.
Car Charger
https://amzn.to/2vb99PZ
If you will be renting a car or driving your own vehicle on a road trip, bring a car charger/adapter. Recharging your stuff while driving helps combat the “not enough accessible outlets in the hotel” factor and allows you to use your device to map your route, play a podcast, or distract your kids in the back seat without running down the battery.
Some car chargers are designed to charge your phone very quickly; the Power Bear Fast Car Charger seems to be the leader in this realm.
Weatherproof Phone Case
https://amzn.to/3c2vGin
In my informal gadget survey of friends who travel frequently, the one thing that few of them owned but many were thinking of getting was a weatherproof phone case. At home, such cases often seem overly bulky, but when traveling they’ve found it more common to get caught out in bad weather.
“Ziploc bags work to protect the phone, but actually using the phone through a wet plastic bag is a mess,” one noted.
Lifeproof cases are the go-to for many hardcore travelers, while PunkCase is a well-regarded option at a lower price point.
Tablet
https://amzn.to/38MmBIy
Bringing a tablet as well as a phone had always seemed like just too much stuff to me—until newspaper and magazine apps started getting good. I used to leave home with more than five pounds of paper reading material, which I left behind for other potential readers in airplane seatback pockets, gate areas or hotel lobbies; now I download magazines and books to a tablet.
Kindle
https://amzn.to/2VkpIUp
For heavy vacation/travel reading, many hardcore readers swear by the Kindle because it’s so easy to read outside in strong light. If you read a ton while traveling, and in all kinds of places, a branded Kindle e-reader is probably the way to go in lieu of a tablet.
Solar Charger
https://amzn.to/2Ve9LPx
For hardcore travelers who might spend long periods of time away from plugs of any kind—such as backcountry hikers, climbers, and campers—solar chargers are a useful addition to a packing list. Sure, part of the point of heading into the backcountry is getting away from connectivity, but that doesn’t mean that GPS devices, cameras, or even smartphones are completely verboten.
Mobile Hotspot
https://amzn.to/3bYYUii
Depending on which cell phone plan you use, a mobile hotspot can save you money on international plans and data charges. These devices broadcast a secure, dependable Wi-Fi signal you can use in any country, without having to rely on sketchy public Wi-Fi signals or use your own pricey data. Well-reviewed options include devices from Huawei, GlocalMe, and MightyWifi.
Smart Suitcase
https://amzn.to/38PMDup
We’re in the early days of smart suitcases, but the idea is extremely compelling—being able to check on your smartphone where your bag is, how heavy it is, and whether it has been opened. Many smart suitcases even provide the ability to charge devices through a USB connection.
There are also simple tracking devices you can put into your luggage, so that might be another way to tap into this type of tech without going all in on an expensive bag. As this tech comes into its own, soon enough tracking our own bags might seem almost routine.
Away’s The Carry-On will charge your phone and comes recommended by gear review sites, including Smarter Travel.

Ways to Save Tax Legally in india…

Invest your Taxable Income in Different Tools. There are various tools investing in which you can claim tax rebate. …
Make Charity Donations. …
Plan for a Home Loan. …
Save Tax through Education Loan. …
Account for Personal Expenses that save Tax. …
Plan for Long Term Capital Gains. …
Get your Salary Restructured. …
Plan a Leave Travel.
Invest your Taxable Income in Different Tools
There are various tools investing in which you can claim tax rebate. Under the Section 80C deductions of the Income Tax Act (ITA) of India, you can claim a deduction of up to Rs. 1.5 lakh from investment in various tools listed in the act.
The list of investment tools which save tax for you include:
Employee Provident Fund (EPF),
Public Provident Fund (PPF),
Equity Linked Saving Scheme (ELSS),
Sukanya Samriddhi Account,
Tax Saving Fixed Deposit,
National Saving Certificate (NSC), and
Senior Citizen Saving Scheme
Make Charity Donations
Government encourages you to make donations and help the poor & needy. Donations to the PM relief fund or notified NGOs or to political parties can give you 100% tax deductions under the Section 80G of the ITA. In the recent amendment of the act, donations to government funds for Swachh Bharat Kosh, Clean Ganga Fund and the National Fund for Control of Drug Abuse are also included in the list.
Plan for a Home Loan
Home loan principal repayment and interest payment can be a massive tax saver for you. For an ongoing home loan, you can claim deduction on the repayment of the principal amount under Section 80C. The payment of the home loan interest can also allow you a deductible amount of up to Rs. 2 lakhs. However, in order to avail the full benefit, the home loan has to be big.

Save Tax through Education Loan
Complete tax exemption is available on the repayment of the interest of an education loan. There is no limit to the deductible amount. However, unlike home loans, exemption is not available on the repayment of the principal amount. Try to consult someone with an experience in investment banking to avail maximum tax saving benefits from loans.
Account for Personal Expenses that save Tax
You are also eligible for tax deductions on some personal expenses including
tuition fees for self and children
insurance premium of self or spouse or children
treatment of specified diseases
medical treatment of handicapped dependents
Plan for Long Term Capital Gains
If you sell a long-term asset possessed by you, you can be exempted from the Capital Gain Tax if the profit amount is re-invested in specified instruments. The asset has to be held by you for over 3 years for it to be counted as a long-term asset. Long term gains from equity shares and mutual funds are also tax exempt provided these shares and funds were held by you for at least a year.
Get your Salary Restructured
Various expenses that you make for the job are tax deductible. You can ask your employer to restructure your salary and accommodate allowances which save tax for you. Such allowances include:
Conveyance
House Rent Allowance
Driver
Uniform
Office Entertainment
Medical Treatment
Telephone
Personality Development
However, all the perks and allowances are not applicable for everyone; they are given only on the basis of your rank. And there is a specified limit on tax deduction on these allowances.
Plan a Leave Travel

If you are given a leave travel allowance from your employer, you can claim tax deductions on the same. However, such claims can be made only twice in four years. Also, the travel has to be within India and the maximum claim can be of AC Tier 1 train journey or economy class air travel.
Now that you know all the ways that can help you save tax; it is important to consider all these factors while planning for tax benefits.
Use up your Rs 1.5 lakh limit under Section 80C
The below mentioned investments/deductions are all subject to a cap of Rs 1.5 lakh. In other words, they are either/or investments and making one type of investment will reduce room for another:
Tax-Saver FDs : You can get a tax deduction of up to Rs 1.5 lakh under 5 year tax-saver FDs. The carry a fixed rate of interest currently between 7-8%. The interest on these FDs is taxable
PPF (Public Provident Fund): Public Provident Fund is a government established savings scheme with a tenure of 15 years available at most banks and post offices in India. Its rate changes every quarter but is currently 8%. The interest on PPF is tax-free.
ELSS Funds: These are mutual funds which invest a minimum of 80% of their assets in equity. They have a lock-in of 3 years. The returns on ELSS funds are subject to Long Term Capital Gains Tax (LTCG) at 10%, over and above an exemption limit of Rs 1 lakh.
NSC (National Saving Certificate): A National Savings Certificate has a tenure of 5 years and a fixed rate of interest. The rate is currently 8%. The interest on NSC is also automatically counted towards the Rs 1.5 lakh 80C limit and is tax-deductible if no other investments are using up the limit.
Life Insurance Premiums: Premiums for different types of insurance policies including ULIPs, term insurance and endowment policies are tax deductible up to Rs 1.5 lakh. However, the insurance cover must be at least 10 times the annual premium.
National Pension System (NPS): This deduction is available under Section 80CCD up to Rs 1.5 lakh for contributions to NPS. This is over and above the Rs 50,000 deduction available under Section 80CCD(1B) discussed below.
Home Loan Repayment: Repayment of the principal amount on a home loan is tax deductible up to Rs 1.5 lakh per annum.
Payment of tuition fees: Payment of tuition fees for your children is tax deductible up to Rs 1.5 lakh per annum.
EPF: Under the EPF Act. 12% of the pay of employees in the organized sector is deducted towards Employees Provident Fund. This deduction counts towards the Rs 1.5 lakh limit under Section 80C.
Senior Citizens Savings Scheme: Contribution to the SCSS is tax deductible up to Rs 1.5 lakh. SCSS has a tenure of 5 years and is available to those above 60. The rate for SCSS is higher than prevailing FD rates and is currently 8.7% (it is taxable).

Sukanya Samriddhi Yojana: Parents of a girl child below the age of 10 can get this deduction. This account has a tenure of 21 years or until the girl marries after turning 18. It has an interest above prevailing rates (currently 8.5%) and the interest is tax-free.
Contribute to the National Pension System
This deduction under Section 80CCD(1B) up to Rs 50,000 is only available for contributions to the NPS. The NPS allows you to invest in equity and debt pension funds and build a retirement corpus. You can withdraw it at age 60.
Pay Health Insurance Premiums
A deduction up to Rs 25,000 is available for health insurance premiums under Section 80D. This is over and above the deductions listed above. For senior citizens, this limit is increased to Rs 50,000. A person contributing health insurance for himself and senior citizen parents can avail of the combined deduction up to Rs 75,000 per annum.
Get a deduction on your rent
You can claim tax deduction on your House Rent Allowance (HRA) if you get HRA. There is no upper limit for this but there are a set of rules that cap the maximum HRA deduction. If you do not get HRA but pay rent, you can claim a deduction under Section 80GG up to Rs 60,000 per annum.
Get a deduction on the interest on your home loan
If you have a home loan, the interest payable on it is tax deductible under Section 24 of the Income Tax Act up to Rs 2 lakh per annum. If you give out the house on rent, there is no upper limit. However, the total loss that can be claimed on the broader head of income from house property is capped at Rs 2 lakh.
Keep some money in your savings account
This is probably the easiest deduction under the Income Tax Act that individuals can claim. Interest on savings accounts is tax free up to Rs 10,000 per year under Section 80TTA. This limit is Rs 50,000 for senior citizens for both FD and savings account interest under Section 80TTB.
Contribute to charity
You can get a tax deduction on your charitable donations. There is no upper limit but different rules restrict the tax deduction amount available on your charitable contributions. For most donations to NGOs, the limit is 50% of the donated amount and up to 10% of your adjusted total income. NGOs under this section are required to have an 80G certificate for you to be able to claim this deduction.

ways to save water…

approaches to spare water

By air, water is the most significant component for the safeguarding of life. Water is a limited ware which, if not oversaw appropriately, will bring about deficiencies sooner rather than later. Water preservation can go far to help lighten these approaching deficiencies.

. Check your can for spills.

Put a couple of drops of nourishment shading in your can tank. On the off chance that, without flushing, the shading starts to show up in the bowl., you have a release that might be squandering in excess of 100 gallons of water a day.

Quit utilizing your latrine as an ashtray or wastebasket

Each cigarette butt or tissue you flush away additionally flushes away five to seven gallons of water.

Put a plastic container in your can tank

Put an inch or two of sand or rocks in the base of an on. Check your can for spills.

Put a couple of drops of nourishment shading in your can tank. On the off chance that, without flushing, the shading starts to show up in the bowl., you have a release that might be squandering in excess of 100 gallons of water a day.

Quit utilizing your can as an ashtray or wastebasket

Each cigarette butt or tissue you flush away likewise flushes away five to seven gallons of water.

Put a plastic jug in your can tank

Put an inch or two of sand or stones in the base of a one-liter jug to burden it. Fill the remainder of the container with water and put it in your latrine tank, securely away from the working system. In a normal home, the jug may spare five gallons or a greater amount of water each day without hurting the proficiency of the can. On the off chance that your tank is sufficiently large, you may even have the option to place in two jugs.

Clean up

A regular shower utilizes five to ten gallons of water a moment. Utmost your showers to the time it takes to cleanser up, wash down and ascend off.

Introduce water-sparing shower heads or stream restrictors

Your equipment or plumbing supply store stocks reasonable shower heads or stream restrictors that will slice your shower stream to around three gallons per minute rather than five to ten. They are anything but difficult to introduce, and your showers will in any case be purifying and reviving.

Scrub down

A somewhat filled tub utilizes less water than everything except the most brief showers.

Mood killer the water while brushing your teeth

Prior to brushing, wet your brush and fill a glass for washing your mouth.

Mood killer the water while shaving

Fill the base of the sink with a couple of creeps of warm water wherein to flush your razor.

Check spigots and channels for spills

Indeed, even a little trickle can squander at least 50 gallons of water a day.

Utilize your programmed dishwasher for full loads as it were

Each time you run your dishwasher; you use around 25 gallons of water.

Utilize your programmed clothes washer just for full loads as it were

Your programmed washer utilizes 30 to 35 gallons for every cycle.

Try not to allow the fixture to run while you clean vegetables

Wash your vegetables rather in a bowl or sink loaded with clean water.

Keep a container of savoring water the cooler

This ends the inefficient act of running faucet water to cool it for drinking.

On the off chance that you wash dishes by hand, don’t leave the water running for flushing

On the off chance that you have two sinks, fill one with wash water. In the event that you have just one sink, first assemble all your washed dishes in a dish rack, at that point flush them rapidly with a shower gadget or a skillet of water.

Check spigots and funnels for spills

Releases squander water 24 hours per day, seven days every week. An economical washer is normally enough to stop them.

Water your garden just when it needs it

Watering on an ordinary calendar doesn’t take into account cool spells or precipitation which decrease the requirement for watering. Step on some grass. On the off chance that it springs back up when you move your foot, it needn’t bother with water.

Profound splash your grass

At the point when you do water your garden, water it long enough for water to leak down to the roots where it is required. A light sprinkling that sits superficially will basically vanish and be squandered.

Water during the cool pieces of the day

Early morning is superior to anything nightfall since it forestalls the development of organism.

Try not to water the canal

Position your sprinklers with the goal that water arrives on your yard or nursery, not in territories where it does a whole lot of nothing. Likewise, abstain from watering on breezy days when quite a bit of your water might be carted away to the lanes and walkways.

Plant dry spell safe trees and plants

Numerous lovely trees and plants flourish without water system.

Put a layer of mulch around trees and plants.

Mulch eases back the dissipation of dampness.

Utilize a floor brush to clean garages, walkways and steps

Utilizing a hose squanders hundred and many gallons of water.

Try not to run the hose while washing your vehicle

Cleanser down your vehicle from a bucket of lathery water. Utilize a hose just to flush it off.

Advise your youngsters not to play with the hose and sprinklers

Youngsters love to play under a hose or sprinkler on a hot day. Tragically, this training is incredibly inefficient of valuable water and ought to be debilitated.

Check for spills in pipes, hoses spigots and couplings

Holes outside the house are simpler to disregard since they since they don’t wreck the floor or keep you wakeful around evening time. In any case, they can be significantly more inefficient than inside water spills particularly when they happen on your principle water line liter jug to overload it. Fill the remainder of the jug with water and put it in your can tank, securely away from the working system. In a normal home, the container may spare five gallons or a greater amount of water each day without hurting the effectiveness of the can. On the off chance that your tank is sufficiently large, you may even have the option to place in two jugs.

Clean up

A regular shower utilizes five to ten gallons of water a moment. Farthest point your showers to the time it takes to cleanser up, wash down and ascend off.

Introduce water-sparing shower heads or stream restrictors

Your equipment or plumbing supply store stocks reasonable shower heads or stream restrictors that will slice your shower stream to around three gallons per minute rather than five to ten. They are anything but difficult to introduce, and your showers will in any case be purifying and invigorating.

Scrub down

A somewhat filled tub utilizes less water than everything except the most brief showers.

Mood killer the water while brushing your teeth

Prior to brushing, wet your brush and fill a glass for flushing your mouth.

Mood killer the water while shaving

Fill the base of the sink with a couple of creeps of warm water where to flush your razor.

Check spigots and channels for spills

Indeed, even a little trickle can squander at least 50 gallons of water a day.

Utilize your programmed dishwasher for full loads as it were

Each time you run your dishwasher; you use around 25 gallons of water.

Utilize your programmed clothes washer just for full loads as it were

Your programmed washer utilizes 30 to 35 gallons for every cycle.

Try not to allow the spigot to run while you clean vegetables

Flush your vegetables rather in a bowl or sink brimming with clean water.

Keep a jug of savoring water the fridge

This ends the inefficient act of running faucet water to cool it for drinking.

On the off chance that you wash dishes by hand, don’t leave the water running for flushing

On the off chance that you have two sinks, fill one with flush water. On the off chance that you have just one sink, first accumulate all your washed dishes in a dish rack, at that point flush them rapidly with a shower gadget or a container of water.

Check fixtures and channels for spills

Releases squander water 24 hours every day, seven days per week. A modest washer is typically enough to stop them.

Water your yard just when it needs it

Watering on a customary calendar doesn’t take into account cool spells or precipitation which diminish the requirement for watering. Step on some grass. In the event that it springs back up when you move your foot, it needn’t bother with water.

Profound splash your garden

At the point when you do water your garden, water it long enough for water to leak down to the roots where it is required. A light sprinkling that sits superficially will basically dissipate and be squandered.

Water during the cool pieces of the day

Early morning is superior to anything sunset since it forestalls the development of organism.

Try not to water the drain

Position your sprinklers so water arrives on your yard or nursery, not in zones where it does nothing more than trouble. Additionally, abstain from watering on breezy days when quite a bit of your water might be taken away to the avenues and walkways.

Plant dry season safe trees and plants

Numerous excellent trees and plants flourish without water system.

Put a layer of mulch around trees and plants.

Mulch eases back the vanishing of dampness.

Utilize a floor brush to clean carports, walkways and steps

Utilizing a hose squanders hundred and several gallons of water.

Try not to run the hose while washing your vehicle

Cleanser down your vehicle from a bucket of foamy water. Utilize a hose just to wash it off.

Advise your youngsters not to play with the hose and sprinklers

Youngsters love to play under a hose or sprinkler on a hot day. Lamentably, this training is amazingly inefficient of valuable water and ought to be debilitated.

Check for spills in pipes, hoses fixtures and couplings

Breaks outside the house are simpler to overlook since they since they don’t destroy the floor or keep you wakeful around evening time. Be that as it may, they can be significantly more inefficient than inside water spills particularly when they happen on your primary water line.

Super Simple Ways to Save Money…

Super Simple Ways to Save Money
If you feel overwhelmed about how to save money, you’re not alone. While some may think saving money is relatively straightforward, one in five Americans have nothing saved at all. So even though spending money is arguably more exciting, you should consider saving money a priority. And there are plenty of ways to save money that don’t involve making sacrifices, either. Sometimes the best way to start saving money is simply to become more aware of your finances and spending habits. With an understanding of your budget and your true needs, you may start putting away more money than you ever expected.
To effectively save money, you should consider both long-term strategies like paying down debt, and short-term tactics like skipping the cocktail at the restaurant. While you may not be able to overhaul all your spending habits overnight, with time and consistency anyone can learn how to put some money aside. Whether you’re looking to start saving for the future or you’re just looking to be financially savvy right now, there are many reasons that you may struggle with saving. Keep reading for some practical money-saving tips, or jump to the section that’s most helpful for you:
Why Is Saving Important?
Unless you’re fabulously wealthy, it’s likely that large expenses in your life will require planning in order to purchase. Define what you’re saving for to help keep you on track when it comes to avoiding unnecessary purchases. For example, if you remember that your goal is to save $100,000 over the next ten years in your child’s college fund, it will be a lot easier to stay out of the drive-thru line.
Consider that you may need to save up for pricey necessities like a car and a home. The average American will own a total of six cars in their lifetime, so it may be a good idea to start saving for your next vehicle now, even if you don’t currently need one.
Finally, it’s essential to save for retirement from your first job to your last. According to a recent study, most Americans near retirement have only save twelve percent of the recommended amount for retirement. That may be because getting to a place where you have extra income to save takes time, but may also be because many people don’t practice good money-saving techniques from an early age.
To help you learn how to save money and achieve your financial goals we’ve compiled a list of effective ways to save money:
Save Money Long-Term
Even if you’re trying to save money for more immediate reasons, you may be able to accomplish much when you plan for life-long savings. Plus, understanding the strategies and mindset that make you successful long-term will also help you penny pinch every day. Here are some ways to save money over time:
Create a Budget
The first place to start when trying to save money is to assess how much you really have and where that money is going. Consider using the 50/20/30 rule to create a budget. The 50/20/30 rule states that fifty percent of your income should go to essentials like rent and food, twenty percent should go savings, and thirty percent should go to personal expenses like entertainment.

Save Automatically
If you have to manually transfer money into your accounts, you may be more likely to forgo saving altogether. Try having a portion of your paycheck automatically deposited to a savings account to keep you contributing consistently.
Build an Emergency Fund
Some experts recommend setting aside six months’ worth of living expenses in case of emergencies. This helps you avoid going into debt if you ever lose your job or have to pay unforeseen medical expenses.
Track Your Spending
You may be surprised about where your money is going. Keep a record of what you spend to see how small expenses add up. You may not think that coffee every once in a while, makes a dent in your savings, but seeing the sum of your purchases may change your mind.
Avoid Debt
Pay off your cards every month to keep your debt from piling up. If possible, avoid going into debt in the first place by spending within your limits and keeping your credit card at home. With a savings built up, you won’t have to put unexpected expenses on a card.
Make a Plan
Break your long-term goals into smaller, more manageable milestones for the month and year. With an idea of what you need to do short-term, you can plan how much you need to be saving, and set the right limits on your non-essentials budget.
Use the 30-Day Rule
When you want to make a large purchase, think on it first. Write down what it is and how much it costs, and if after 30 days you still feel it’s necessary, purchase it.
Consider Refinancing Your Mortgage
You may find that you can save money over time by changing the rate of your mortgage. Remember to talk to a financial advisor before signing onto any major financial contracts.
Create a Savings Goal for Retirement
Some experts recommend saving fifteen percent of your income each year for retirement. Determine how much you’ll need and break that down by decades to make sure you’re hitting your goals over time.
Maintain Your Home and Car
Keep your home in good shape and perform regular maintenance on your car to protect the value in your assets. Saving money by skipping or doing cheap repairs likely won’t be worth it in the long run. Your car’s manufacturer will have guidelines for it’s maintenance, but home manufacturers don’t provide the same. Common recommended tasks include: having arborist check the trees on your property to ensure their sturdiness, painting your home to maintain it’s exterior, checking your foundation for signs of cracking, and cleaning out your gutters to keep the flow of water off your roof.
Invest in Quality
Think about spending a bit more money on things that will last you longer. For example, it can be worth it to buy some higher quality clothes (as long as they’re not for growing kids), because you won’t have to buy new ones for a long time.
Start Saving for College Early
If you know you’re going to pay for college down the road, some people recommend creating an account specifically for this expense as soon as your child is born. There are even accounts specifically designed to save for education expenses including 529’s and ESA’s or College Savings Accounts.
Fully Utilize Your Employer’s 401k Match
If your job matches the contributions to your retirement savings up to a certain percentage of your salary, you should consider contributing enough to max out your employer’s matching benefit. Otherwise, you’re just turning down free money.
Consolidate Debt
Talk to a financial advisor about your options regarding your debt. You may find that consolidating multiple high-interest payments into one lower interest payment is an effective debt management strategy.
Consider Accounts and Equities
You should always thoroughly research your options or talk to a financial advisor before making any riskier investment moves. You may want to be aware of certain accounts that gain interest on your money through equities. While things like stocks, mutual funds, and Certificates of Deposit shouldn’t be your only form of savings, they may provide attractive returns on your investment over time.
Save Money on Necessary Expenses
The least fun things to spend money on are the ones you actually have to pay for. But you may be surprised how simple and fun it is to find a little extra cash in your bills. Here are some easy ways to reduce your expenses each month:
Switch to a Cheaper Cell-Phone Plan
With the prevalence of wifi hotspots, the standard smartphone owner today only uses on average 1.6 gigabytes of data per month. Interestingly, most service providers’ cheapest data plan provides more than that. Track how much data you’re actually using and stop paying for more than you need.
Lower Your Utility Bills

Evaluate whether or not you’re being as conservative as you can with your utilities. Some quick tips to save money on your bills include: Insulating your windows with a simple sheet of bubble wrap, unplugging appliances you’re not using, and turning the faucet off when you brush your teeth.
Time Major Purchases Around Sale Periods
Because demand fluctuates by the season for certain items, you can time your big buys to rake in the savings. For example, the end of December can be a great time to buy a car because dealerships want to meet end-of-year quotas.
Cancel Your Gym Membership
Many of the exercises you do at the gym can be done at home with a bit of creativity. You can watch YouTube tutorials for ideas about home workouts, go for a run in your neighborhood, or swim laps at your community pool.
Use Coupons
Not just in newspapers and junk ads anymore, coupons are available on company websites, apps like SnipSnap, and online. Before you go out shopping, check your phone or computer and increase your savings.
Share Entertainment
Similar to swapping clothes, ask to borrow your friend’s DVDs and CDs, or share the payments for a joint streaming account.
Plan Your Groceries
Make a list of what food you’ll need for the week, keeping in mind what meals can be made from the ingredients, and don’t buy anything that isn’t on your list. It helps not to go to the grocery store hungry or with a picky eater. Meal planning is another great option that can help you save time and money while making it easier for you to eat healthily.
Understand Food Spoilage
Americans waste about one pound of food every day, adding up to enough food to feed 2 billion people annually. This is in part because many people don’t know that “best by” dates indicate the last day of peak quality, not safety. Many foods are still safe to eat weeks after the date on the package, so take a second look at the food inside the package before tossing it.
Inflate Your Tires
Properly inflated tires can increase fuel economy by over three percent. In addition, tires inflated to the correct pressure last longer and fail less often. If your car doesn’t have tire sensors, consider buying a pressure gauge and checking the pressure yourself.
Carpool to Work or School

Ask around or organize a carpool spreadsheet at work to see if anyone lives near you who you can swap rides with. For your kids, enlist nearby parents or friends’ parents to help lighten the burden of the school drop-off lines.
Lower the Temperature on Your Hot Water Heater
Your water heater can waste anywhere from $36 to $61 dollars a year if its set too high — usually above 140 degrees. Set the temperature around 120 degrees to save money and reduce mineral buildup in your tank.
Replace Your Incandescent Light Bulbs
Some experts estimate that LED bulbs can save you up to $3,260 over their lifespans. Even if some of your incandescent lights have already been replaced, run a quick inventory of your home to see if there are any other light sources you could be saving money on.
Install a Programmable Thermostat
Products like Nest allow you to turn your AC or heat down while you’re away or sleeping in time with the hottest or coolest parts of the day. Even if your thermostat isn’t programmable, try turning your system down or off when you leave for the day so your AC isn’t fighting natural changes in temperature. This is both economic and environmentally friendly.
Save Money by Spending Less
If your needs are a little more short-term, here are some ideas to keep from spending the money you already have, and make what you do spend go farther:
Try Envelope Budgeting
Credit cards help you avoid the pain of purchase, which may cause you to spend more. With cash you become more aware of what you’re spending. In addition, you can divide your cash into envelopes with allowances for different purchases, which will ensure you don’t spend too much in one area.
Calculate by Hours
When trying to decide if something is worth buying, try thinking of the cost in terms of how long it takes you to make that money. This can help you get a sense of the true value of your money.
Think Twice About Sales
While some sales are good deals, there’s no sale that’s going to cost you less than not buying the item at all. When purchasing an item on sale, ask yourself if you would have bought the item if it were full price, and if the answer is no, skip it.
Buy Used
Local thrift stores and online auction sites like eBay offer everything from clothes to electronics at stellar discounts. You can get slightly used high quality items at a fraction of the cost of their newer counterparts.

Go to the Library
Some people don’t realize that their local library is a great resource for free entertainment, especially for kids. Many offer movies and games in addition to books, as well as free events and readings for kids every week.
Buy Generic
Check the ingredients on brand-name medicines and foods, as they’re frequently the exact same as the less expensive options out there. If you can’t detect any difference in quality, you don’t necessarily need to buy the name brand.
Eat In
It can be tempting to eat out every night, but you can make eating at home more appetizing by making eating at home delicious, fun, and easy. Try to cooking new recipes, setting up a picnic, or simply meal-prepping.
Use the 24-Hour Rule
This is similar to the 30-day rule, but for less expensive purchases. Wait a day before buying a small item and you may find you didn’t want it after all.
Designate No-Spend Days
Challenge yourself and your family to go one day a week without buying anything, from your morning coffee to a movie ticket. You’ll reduce your spending and become more aware of how mindlessly you make small purchases.
Go Outside
The great outdoors is almost always free, and with the added benefit of free exercise, the outdoors is an incredible resource. Try going on a walk around your neighborhood or taking a day trip to a local sight.
Take Public Transportation
Try replacing your drive to work one day a week. This can save you both money and time because you can get other things done on the bus while saving money on gas and wear and tear on your car.
Clothes Swap
Before you buy a new outfit, get some friends together and swap them old pieces you don’t want anymore. You can also exchange kids’ clothes and toys with neighbors or family members.
Drink Less Bottled Water
Bottled water is almost 300x the cost of the same amount of tap water and the average American spends about $100 a year on it. Consider switching to a filter, and let it pay for itself.
Save Money by Creating Extra Income
According to a recent survey, 35% of Americans say lack of income is the main reason they aren’t saving money. So, if you’re already living frugally but are struggling to save, here are some easy ways to add income without adding too much work:
Sell Your Extra Stuff
Save money on your new clothes, housewares, and electronics you purchase by selling your old ones. Check your closet for clothes you haven’t worn in months and for old electronics. There are many places to sell unwanted items online, including eBay, Craigslist, or Facebook Marketplace. You can also hold a traditional yard sale if you want to sell in bulk.
Rent Out Equipment
Why pay for your tools or equipment when they can pay for themselves? Apps like Tool Rent or Peer Renters let you get paid for sharing items like drills, whiskers, and cameras with the community. Consider listing anything you have that has a specialty use.
Rent Out an Extra Room
You can reduce your own housing host by adding a short-term resident. List your spare room, or even couch on an app like AirBnB to save money on your rent or mortgage.
Sell Your Parking Spot
If you live in an area where parking can be expensive or hard to come by, consider renting out your spot to people during the day while you’re at work. Use this money to save on your own car’s expenses and parking.
Trade Gigs with a Neighbor
While not monetary income, you can earn favors by trading jobs with your neighbors or friends. For example, you can take turns babysitting your friend’s kids, or watch your neighbor’s pets while they’re out in exchange for them mowing your lawn.
Monetize Your Passion
Make your free time earn you money as well. If there’s a hobby or skill you do for fun, consider selling the fruits of your labor. If you love photography, try selling photos on stock websites, or if you find yourself writing at the end of the day, try starting a blog.
Become a Mystery Shopper
You can save money on services, meals, and experiences in exchange for completing honest feedback to companies. This can be especially effective if you use it to do things you’d normally do.
Work at Your Favorite Place
If you already spend a lot of time at soccer games or at the bar down the street, become a referee or bartender on the weekends and you will save money on game tickets and drinks. Plus, it won’t feel like work.

Consider Signing up for Cash Back Offers
Take advantage of the fact that some major credit cards offer cash back on purchases. You can also use a service like Ebates, which partners with retailers to give you cash back. Keep in mind that these services are designed to motivate you to buy things you wouldn’t normally buy, so use caution.
Pet-Sit
If you’re an animal lover, getting paid to play with other people’s animals could be an excellent option for you, and help you save additional money on entertainment. Depending on the owners’ needs, you may even be able to keep their pet at your home, cutting down on the work for you. Apps like Rover make it easy to connect with owners.
Save Money with Easy Hacks
No matter your stage in your money-saving journey, these hacks are easy and interesting, so there’s no reason not to try them out:
Round Up Your Payments
Like a virtual piggy bank, some accounts allow you to round up every purchase to the next dollar and put that money in savings. Check whether or not your bank offers it, as it is an easy way to save money and you’ll likely hardly notice.
Use a Savings Calculator
Putting money away consistently is hard enough as it is, so utilize an easy online tool that can calculate interest over years and help you determine how much your savings may grow in the years to come.
Switch Your Ceiling Fan Direction
That’s right, your fan can go either clockwise or counterclockwise thanks to a tiny switch, usually on the side. The angle of the blades mean that the fan is actually more efficient going clockwise in summer as this pushes a breeze around. Use the counterclockwise direction in winter to pull heat towards the ceiling and around the walls.
Purchase Discounted Gift Cards
Websites like Cardpool allow users to sell gift cards they’ll never use, for slightly lower than their values. Consider buying gift cards to places you frequently shop to save instantly on everything you buy there.
Teach Yourself Skills You Would Otherwise Pay For
Take advantage of online tutorials and articles that can teach you to do small things you would otherwise pay for. You can learn anything from how to change your own oil to how to make a bouquet.
Make Your Passwords Reminders

If you force yourself to type a phrase on your online shopping account that reminds you of a goal saving date, you’ll be less likely to overspend. You can also make your password things you’re saving for such as “beachvacation2018” or “2020weddingbudget.”
Delete Your Card Number from Online Accounts
Make it harder to buy impulsively from websites by deleting your credit card information in their system. This will force you to consider your purchase as you type in your number.
Utilize Your Savings Account
Your current bank may offer a savings account with interest that can make your deposits easy to make and retrieve. Some even offer the ability to divide up the money in your savings account by what it’s for. Help motivate yourself to save by watching you the funds for your specific goals grow.
Use a Budgeting App
Consider using an app like Mint that keeps track of your spending goals, expenses, and budgets. This can be an easy way to see how you’re doing and get more familiar with your finances. You save. Since this money is relatively easy to access, consider using this account to save for unexpected expenses.
You may not become rich overnight, but the key to amassing a huge savings is patience. Saving money comes down to becoming aware of your unconscious habits and making a consistent effort to change them. Anyone can be more financially responsible in a few simple steps, using the many resources available to them.