My Top 10 Finance Hacks Nobody Asked For (But You Need) #Finance

hey there welcome to Money Talks where we talk about personal Finance with a Twist of humor because who says talking about money has to be boring today we’re

diving into some of the weirdest most unexpected Finance hacks you didn’t ask for but we’ll definitely want to try ready to learn how Monopoly money a swear jar and a few other

strange tips could help you save real cash let’s Jump Right In Budgeting with Monopoly money all right let’s be real Budgeting can be about as exciting as watching paint dry right but what if I told you it could be as fun as absolutely destroying your

friends at Monopoly hear me out on this one remember how satisfying it was to hold that giant stack of colorful Monopoly cash that’s the feeling we’re going for but instead of buying fake properties we’re going to conquer your real life budget here’s the deal grab your

Monopoly money or any play money and assign each color to a different spending category got your rent or mortgage that’s your green properties groceries those are your Reds eating out let’s go with the yellows you get the idea now at the beginning of each month divide your

Income into piles of Monopoly money matching the amount you’ve budgeted for each category this is where it gets good when you spend you physically move that Monopoly money from your category pile to a designated spent jar trust me seeing those colorful Stacks shrink as the

month goes on will make you think twice about that impulse purchase the swear jar for impulse buys okay confession time how many of you have a drawer full of stuff you bought on a whim and never actually used don’t worry I’ve been there too but what if I told you there’s a way to

actually make money from those impulse buy urges introducing the swear jar for your spending here’s the game plan find yourself a jar a box or even a piggy bank and label it your impulse control fund or something equally motivating now here’s the fun part every time you feel that urge

to buy something you don’t absolutely need stop right there and put a dollar or five or 10 you decide into your jar think of it like a little penalty for giving into those tempting online sales and those add to cart buttons the best part instead of wasting money on things you don’t need

you’re actually saving it at the end of the month you can use that cash to treat yourself to something you actually want and have budgeted for rewarding your future self aka the future me fund let’s face it saving money for the future can feel about as exciting as watching grass grow

but what if I told you there’s a way to make it so fun that your future self will be thanking you say hello to the Future me fund your secret weapon against boring Savings goals first things first forget those stuffy bank accounts with names like Savings

account number 37 we’re getting creative here open a separate Savings account and give it an epic name that gets you pumped about your goals dreaming of a tropical vacation call it your my tai money saving for a down payment on your dream home Castle fund it is you get the

idea now here’s the key every time you achieve a Savings Milestone no matter how small celebrate H $500 treat yourself to a fan coffee reached $1,000 time for a celebratory dinner the 24-hour rule for every purchase the 24hour rule your secret weapon against buyer remorse

raise your hand if you’ve ever bought something on impulse and instantly regretted it yeah we’ve all been there but fear not my friends because I’m about to introduce you to your new best friend the 24-hour rule this rule is about to change your spending game forever ready for it

it’s simple before you make any non-essential purchase wait 24 hours that’s it I know I know it sounds way too easy but trust me this simple waiting period is like a superpower against those ad to cart urges think of it as a cooling off period for your spending you’ll be amazed at

how many times you talk yourself out of a purchase simply by giving yourself a day to think about it chapter 5 cash only weekends the ultimate spending detox in a world of contactless payments and online shopping it’s easy to swipe tap and click our way into Debt without even

realizing it but what if I told you there’s a way to become so aware of your spending that you’ll practically be able to smell your money get ready for the cash only weekend challenge here’s the deal for one weekend a month ditch those plastic cards and digital wallets and go

completely old school with cash that’s right we’re talking Cold Hard Cash for everything groceries gas entertainment you name it trust me there’s something about physically handing over those bills that makes you realize just how much you’re actually spending plus it’s

a great way to break those mindless spending habits and get back into touch with your budget chapter six cost of purchase in work hours before you pull out your Credit card I want you to ask yourself this how many hours of your life would you be willing to trade for it here’s

the thing we often think of purchases in terms of their dollar amount but what if we started thinking about them in terms of the time and effort it took us to earn that money let’s say you’re eyeing that brand new phone that costs $1,000 if you make $25 an hour that’s 40 hours of

your life an entire week of work that you’re trading for that Gadget suddenly it doesn’t seem like such a steal does it chapter 7 the freezer trick for your Credit cards have you ever found yourself staring into your fridge late at night hoping a delicious snack would

magically appear well I’ve got a different kind of freezer trick for you and trust me this one could save you a whole lot of money introducing the Credit card freeze now before you think I’ve lost it hear me out we’re not talking about canceling your card

we’re talking about giving it a little time out in the coolest place in your house here’s how it works grab a freezer safe container fill it with water and pop your Credit card inside that’s right we’re freezing that bad boy now the next time you’re

hit with a sudden urge to splurge you’ll have to wait for that block of ice to thaw before you can swipe consider it a built-in cooling off period to prevent those impulse purchases chapter 8 the two account system for spending and saving managing your money can feel like trying to juggle

chainsaws sometimes right but what if I told you there’s a way to simplify your Finances and make it feel like a walk in the park say hello to the two account system

your new secret weapon for financial organization here’s the gist instead of trying to manage all your money from one account we’re going to divide and conquer open two separate checking accounts one for spending and one for saving your spending account is your everyday money Hub this

is where your paycheck gets deposited and where you pay your bills buy groceries and fund your daily expenses now now for the fun part your Savings account every time you get paid automatically transfer a percentage into your Savings account and keep your spending

money separate this gives you a clearer picture of how much you can actually afford to spend each month chapter 9 envelope system with a Twist remember that good old-fashioned envelope system where you divvy up your cash into different envelopes for different spending categories well it’s

time to give that classic a Digital Makeover introducing the digital envelope system this is perfect for all you techsavvy folks who haven’t touched physical cach in years instead of using actual envelopes we’re going digital you can use Budgeting apps spreadsheets or

even just separate notes on your phone to create virtual envelopes for each spending category just like the traditional envelope system you allocate a certain amount of money to each category at the beginning of the month then as you spend you simply deduct your purchases from the corresponding

digital envelope chapter 10 price comparison game Who who says shopping can’t be a game get ready to Unleash Your Inner Bargain Hunter with the price comparison game this is your chance to channel your inner Sherlock Homes and become a master of finding the best deals here’s how to play

the next time you’re about to make a purchase don’t you dare hit that buy now button just yet instead open multiple tabs on your browser and compare prices from different retailers see that price difference you just scored some serious Savings but wait there’s

more don’t forget to factor in shipping costs discount and any reward programs you might be a part of and there you have it 10 Finance hacks nobody asked for but you definitely need in

your life some of these might sound strange but you’d be surprised at how effective they are sometimes the best way to save money is to get creative remember managing your money doesn’t have to be boring or complicated with a little creativity and a dash of humor you can totally crush

your financial goals and live your best Life share in the comments which of these hacks you like the most