Are you always wondering where the money went? Money can seem to disappear with thoughtless spending. An honest spending evaluation can help you determine where you can cut spending. Here are five areas where you can trim your budget without too much effort.

Memberships & subscriptions

When's the last time you went to the gym where you have that fancy membership? Haven't been in over a month? That's where you can trim some of the financial fat. Subscription services like Ipsy or StichFix that send you a box of goods monthly charge you for the service and sometimes the products used. Not remembering to return things at a timely fashion can create a lot of fees. Same with magazine and other media subscriptions. If you're not using it, end your subscription. Granted, if you actually uses that gym membership or enjoy reading the magazine regularly, than cutting here might not be the best option.


Alcohol

Socially drinking can add up a pretty high tab really quickly. If you go out to cocktails pre-dinner and get dinner you can be looking at any where from $15-$25 without a tip. If you add another drink or two with dinner that can quickly add up to $50 on drinks alone for one night. If it's a once in awhile thing, it is not that big of a deal. But if that's a weekly habit or your doing that multiple times a week, your drinking your hard earn money away. If you want to still do the drinks pre-dinner, have cocktails at home before you go out. Fifty buck can buy a decent bottle of liquor and mixers. Occasionally, skip that glass of wine. Your pocketbook will thank you.

Quit eating out (or eat out less)

How often do you meals out? Honestly, how many times a week do you need to brunch? Ten dollar lunches and $15 dinners multiple times a week are the equivalent of one week's groceries. Burgers, salads, burritos, smoothies and other normal grab and go options can easily be replicated at home. Plus, if cooking at home saves calories and know exactly what's in the food. That includes morning Starbucks' runs. If you want your morning coffee, make it at home and use flavored sweeteners. Daily $4 lattes adds up over time. Rather than going cold turkey, start by taking lunch two times a week and cooking dinner Monday-Thursday. From, there slowly build up.

Where you shop

It's better to invest in durable clothing than purchasing cheaply made clothes frequently. If purchasing good quality clothes at a higher price tags seems impossible for your budget, try thrift stores and discount stores that carry quality clothes a lower prices. Also, quit buying clothes. Buy only clothing items you genuinely love. That will prevent unnecessary spending and a cluttered closet. Think about the products you use and see where you can forgo or willingly purchase lower end items.

Cut the cord

Most people have begun to cut landlines and cable services. Have you? Streaming services like Hulu, Netflix, Amazon Prime and etc. offer plenty of shows and movies at significant reduced price compared to cable channels. Most major sporting events are streamed online, so you're not missing the big games.

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I’ve been feeling very British lately. Not in a Union-Jack-obsessed, “Keep Calm and Carry-On” way. I went through that phase in 2012 with everyone else… no thank you. And it’s not even a surge of patriotism catalyzed by the Queen dying — I’m firmly team Diana and team Meghan.

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Southwest Airlines Sale 2022

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Pack your bags — Southwest Airlines is having a major sale! Fares are as low as $59 one-way if you book by October 3rd.


This end-of-summer super sale is a game-changer for your travel plans through the end of the year. Summertime travel gets all the glory. But why not take advantage of your long weekends, holidays, and PTO this fall. You’ll be surprised at how much travel you can fit in. Keep the fall/winter season exciting with domestic trips that give you all the excitement without breaking the bank. All thanks to Southwest.


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Quiet Quitting is the latest trend among Gen-Z TikTok that encourages setting boundaries at work

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Toni Morrison has an anecdote about her first ever job, which was cleaning some neighborhood woman’s house. The young Toni arrived home after work one day and expressed her troubles to her father. But he didn’t provide the sympathy she expected. Instead, he gave her something better — his advice:

“Listen. You don’t live there. You live here. With your people. Go to work. Get your money. And come on home.”

Years later, she wrote about this remarkable experience for the New Yorker and said, in hindsight, this is what she learned:

1. Whatever the work is, do it well—not for the boss but for yourself

2. You make the job; it doesn’t make you

3. Your real life is with us, your family

4. You are not the work you do; you are the person you are

What Morrison so eloquently articulated was setting boundaries. I revisited this piece during the pandemic when working from home ramped up in earnest. Back when work was one of the few things that anchored my day.

Without a physical office, the pandemic shattered the work/life balance for many people. There was no more of that physical separation that Morrison talked about. There is no coming home from work physically. There is no real life to come back to — just a manufactured commute to your laptop in your makeshift home office.

But, par for the course, Gen Z are navigating this boundaryless era using TikTok. While internet gurus promote hustle culture and constant online availability since you’re not getting face time with your managers, there’s a trend in town — “quiet quitting.”


@zaidleppelin On quiet quitting #workreform ♬ original sound - ruby


The trend arose from the depths of the pandemic. Layoffs, salary cuts, and furloughs proved that their employers did not care about their hard-working employees.

The Washington Post dubs quiet quitting as a fresh trem for an old phenomenon: employee disengagement. In many cases, it’s a response to burnout. For much of Gen Z, it’s a way of establishing healthy boundaries in the office and resisting the pressure of the rat race. After all, why work yourself to the bone for a company that just proved it’s ready and willing to let you go?

Despite the term’s negative connotations, Quiet Quitting can provide an empowering shift in thinking for employees.

For far too long, employees have been indoctrinated with a slew of toxic workplace advice. Faced with these old misconceptions and lacking job security or clear paths for advancement, Gen Z is untethering their identities from work.

Quiet quitting — therefore — might be a bit of a misnomer. These employers aren’t completely disengaged. They’re certainly not launching Flight Club-esque sabotage attempts on their employers. NO. Contrary to media panic, Gen Z understands the value of a job — the fickle market they entered ensured that. But they also understand the value of life.

They’re doing what they’re being paid for. Nothing more, nothing less.

According to Chief, a private membership network focused on connecting and supporting women executive leaders, older generations should learn from this approach.

“Gen Z has already endured the largest seismic shifts to the career landscape than any previous generation, having started their careers in the middle of a pandemic that changed office culture forever and a gig economy that makes piecing together work more viable. They’re taking both those realities and therefore demanding more autonomy and flexibility than any other generation.”

Gen Z are less attached to job titles and statuses. They’re more concerned about their lives. Sure, this can lead to problematic outlooks on money and experiences — see the “I can earn my money back” TikTok trend. But it’s better than hustling for no reward. Besides, as some Gen Z-ers put it on TikTok, the office isn’t even a vibe.

“With the ability to work from anywhere and for more than just one place, Gen Z-ers are forging their own paths that don’t rely on old patterns set by previous generations and are redefining what “career success” looks like. Gen Z can take note, as more and more leaders are similarly pursuing multiple income streams of their own through the form of a portfolio career. The way in which work looks like and where it happens is evolving.”

With less single-minded focus on one job, some TikTok business gurus advocate shutting your laptops precisely at 5 pm. And then jump onto your side hustle. Do nails or lashes on the weekend. Become social media managers for your phone. Sell soap on Etsy (again … perhaps not in the Fight Club way).

But this valorization of side hustles is not about hustle culture, either. They say job security isn’t guaranteed. Learning new skills and develop an alternate income stream/s to keep you afloat. Just make sure you’re not left in the lurch. BTW inflation is here. So every little bit helps.

But where do you start? Watching TikToks can only get you so far. Try a course on LinkedIn Learning to sharpen up your skills and learn new ones that you can turn into a verifiable side hustle — or leverage in your job search if quiet quitting leads to … real quitting.

Learn on your own time with bite-sized videos or in-depth courses. Watch them after work, before you clock in, or on your lunch break. Then, after your courses are complete, you’ll have certificates prominently displayed on your profile that prove your skills.