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Quit Wasting Your Money , on These Things.<br/>As inflation continues to send the <br/>prices of everyday items soaring, <br/>it's imperative to budget your finances.<br/>Over time, even the most conscious consumers might find themselves <br/>the victims of money traps.<br/>Here are some common money <br/>traps and how to avoid them:.<br/>Bank Fees.<br/>Charges for withdrawals, out-of-<br/>network ATMs and monthly service <br/>fees from your bank add up.<br/>Charges for withdrawals, out-of-<br/>network ATMs and monthly service <br/>fees from your bank add up.<br/>But they don't have to. Per Bankrate, <br/>almost 50% of checking accounts in the <br/>United States don't charge maintenance fees.<br/>But they don't have to. Per Bankrate, <br/>almost 50% of checking accounts in the <br/>United States don't charge maintenance fees.<br/>If you feel overcharged at your current bank, don't hesitate to find a new one.<br/>Unused Subscriptions.<br/>A recent study found almost <br/>70% of US consumers throw <br/>away money each month on <br/>subscriptions they don't use.<br/>The culprit? Signing up for free trials <br/>and failing to cancel services when <br/>the trial period ends.<br/>That’s an easy way to chuck money out the window. , Julie Ramhold, consumer analyst with DealNews, via CNN.<br/>Wasted Food.<br/>According to the Natural Resources Defense Council, almost 40% of food <br/>in the United States goes uneaten.<br/>According to the Natural Resources Defense Council, almost 40% of food <br/>in the United States goes uneaten.<br/>Check your refrigerator before heading to the grocery store and plan your meals around the food you do have

Quit Wasting Your Money on These Things

⏲ 1:30 👁 10M

DnD Shorts

Top 5 Underrated But AMAZING Common Items In D&D

⏲ 9 minutes 22 seconds 👁 362.6K

TheDu0026DLogs

Top 10 Common Magic Items in DnD 5E

⏲ 22 minutes 35 seconds 👁 96.8K

Almost half of Americans don’t know what a 401(k) is, according to a recent poll. <br/><br/>A national survey of 2,000 Americans, evenly split by generation, revealed that 43% of respondents don’t know what a 401(k) is. The survey examined Americans’ financial literacy, commitment to learning and adopting healthy money habits, and feelings regarding their bank accounts and financial futures. <br/><br/>The results revealed a significant lack of confidence among respondents regarding their financial literacy, with only 30% believing they could win a game of personal finance trivia.<br/><br/>And over a third (35%) don’t know what “interest” is in a financial context. <br/><br/>The study, commissioned by Beyond Finance for Financial Practice Week and conducted by OnePoll, revealed that despite these startling knowledge gaps, only two in five respondents (39%) consider themselves more financially literate than others. <br/><br/>Four in 10 Americans (39%) admit they procrastinate when implementing healthy financial habits. Gen Z are most likely to procrastinate (49%) while baby boomers are least likely to procrastinate (22%).<br/><br/>The top reasons respondents cited for postponing personal finance tasks include stress (25%), feeling their financial health is already poor and can’t get any worse (16%) and forgetfulness (13%).<br/><br/>“Unfortunately, avoiding looking at your finances and making healthy changes is incredibly common,” said Dr. Erika Rasure, chief financial wellness advisor of Beyond Finance, which can be overwhelming. Some people tend to neglect taking stock of their financial situation, and others can become nervously consumed by it. There’s a middle ground to take when improving your financial health — learn healthy money habits, pay attention and make small, achievable adjustments to your spending and habits.” <br/><br/>The study revealed the average American typically checks their banking app twice daily. Exactly half of respondents say they feel nervous when opening their banking portal, with Gen Z feeling most uncomfortable (65%). <br/><br/>In comparison, baby boomers feel the most calm (26%) and over a quarter of all respondents avoid signing into their banking apps on a daily basis, at all (26%). <br/><br/>Regarding budgeting habits, eight in ten respondents try to hold themselves accountable to a monthly budget with millennials and baby boomers tying for the best-laid financial plans (81%). <br/><br/>Of those who create a monthly budget, respondents only stick to it 66% of the time on average, with baby boomers exhibiting the highest accountability (76%) and Gen Z deviating the most from their budgets (58%). <br/><br/>For those trying to save money, the most popular strategies include buying on-sale items (53%), using coupons and discount codes (47%), limiting spending on clothing (45%) and shopping at discount stores (42%). <br/><br/>However, a considerable portion of respondents resort to more drastic measures to save money, such as infrequent social outings to bars and restaurants (39%), limited travel or not traveling at all (36%), rarely or never buying coffee at coffee shops (35%) and rarely or never buying gifts (32%).<br/><br/>Notably, 33% of respondents said they never take vacations.<br/><br/>Finances also influence relationships: Nearly four in ten (39%) reported that their or their partner’s unhealthy spending habits have negatively affected their relationship.<br/> <br/>A majority of those in relationships (63%) agreed that learning about personal finance as a couple would increase their chances of improving money habits successfully in the future.<br/><br/>“The first step in a happier financial future is education,” said Dr. Rasure. “The more you know about money and personal finances, the more equipped you’ll be to make better decisions and create a plan to meet your goals. That’s why Financial Practice Week is important. We want to encourage people to learn the money habits and practices they’ve been putting off so they can make progress toward a more stable, optimistic future.” <br/><br/>Survey methodology:<br/>This random double-opt-in survey of U.S. adults split evenly by generation (500 Gen Z, 500 millennials, 500 Gen X, and 500 baby boomers) was commissioned by Beyond Finance between Feb. 16 and Feb. 22, 2024. It was conducted by market research company OnePoll, whose team members are Market Research Society members and have corporate membership to the American Association for Public Opinion Research (AAPOR) and the European Society for Opinion and Marketing Research (ESOMAR).

Over 40% of Americans have no clue what a 401k is

⏲ 1:14 👁 46.3M

Taking20

Best Mundane Common Items in Dungeons and Dragons 5e

⏲ 14 minutes 54 seconds 👁 253.3K

TheDu0026DLogs

3+ Hours of The Best Magic Items of Every Rarity (Common Quality to Artifacts)

⏲ 3 hours 14 minutes 51 seconds 👁 86.7K

New government regulations will see harsher penalties for people and businesses that block Taiwan's sidewalks with vehicles or other obstructions. Uneven sidewalks blocked by vehicles and other items are a common problem across Taiwan.

New Regulations To Clear Taiwan's Sidewalks of Obstructions

⏲ 0:39 ✓ 17-Apr-2024

TheDu0026DLogs

Top 10 Adventuring Gear AKA Non Magic Items in DnD 5E

⏲ 19 minutes 27 seconds 👁 51.9K

Dungeons u0026 Dice

10 Awesome Common Magic Items That Won't Break Your D&D Campaign

⏲ 8 minutes 45 seconds 👁 3.3K

MrRipper

DM's, What are your favorite useless magic items?

⏲ 14 minutes 58 seconds 👁 39.4K

Dungeons u0026 Dice

Don't Miss These PERFECT Low Level Player Reward Magic Items In D&D

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Deck of DM Things

How the Immovable Rod can DESTROY a D&D Campaign

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