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3 Household Tips to Uncover Extra Money in Your Budget



It doesn’t matter how much you make or how much your bills are — everyone should be saving more. And everyone knows it.

But sometimes what you know you should do and what you actually do are two very different things.

The problem is, saving isn’t easy. If you’re finding it hard to put cash in the bank, look to your home for inspiration. Here are three ways it can help you find more money to save.


1. Become the host with the most

Anyone with a jam-packed social calendar can tell you it can be costly to have friends — especially if you only ever meet over tapas and wine, or apps and beer, at your favorite restaurant. Eating out, drinks, and other special events all add up — taking a big bite out of your budget.

To save some coin, invite your friends over to your place the next time you get together. The cost of entertaining your friends can be a fraction of your bill  at a bar.

Bring up the plan with your closest friends to explain why you’re inviting them over. They might jump on board with your plan and offer to host the next night in at their place. With the task of host constantly rotating, you’ll spend even less catching up with friends.

2. Repair old clothes

A missing button, a broken zipper, or an unraveling seam — they’re reason enough to toss an old shirt or pair of pants, right? Not if you’re thinking with your budget first. These minor issues have relatively simple repairs that anyone can perform with a bit of practice.


Go online to see mending tutorials for these common problems. In most cases, the materials you’ll need are inexpensive, so you won’t have to invest a fortune in this new hobby. And any money you spend will likely be worth it when you can save your clothes from the dumpster.

3. Create a financial corner

One of the best ways to save money is to make your finances a priority in your home. When you carve out a regular time to deal with your bills and investments, you’ll have a better grasp of your cash flow. Having a dedicated space where you can work on your finances will only make it easier to make this a habit you keep all year round.

It can be as elaborate or as simple as you want — just make sure it’s deliberate, and you only use the space for your finances. That means the corner of the kitchen counter or the TV dinner stand that you keep near the couch aren’t the greatest choices. 

Working desk

A desk in the corner of your living room, on the other hand, is. Whether you’re paying bills, researching alternatives to payday loans, comparing APRs of common credit cards, or doing your taxes — this is the place where you should do it all.

If you keep this area organized, it’ll be easier to find important bills, warranties, and other documents you need. Add a calendar where you mark important due dates, and you’ll have a better chance at staying on top of bill payments.

It will also help you stay focused on the task at hand. Without distractions, you’ll be able to take a deep dive into products or services you want to know more about — like direct lenders or IRAs. If you use your time wisely, you’ll find out why you would want to deal directly with your lender or what the exact contribution limits to your retirement account are for the current year. 

Creating a dedicated finance nook is a great way to save, but don’t stop here. Spend some time thinking about other ways you can find extra cash in your home. Once you get brainstorming, you might be surprised by how simple saving can be!

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1Password Review – The Best Password Manager Out There



With a new wave of cyber attacks pouring in every month, it is imperative that you keep strong and different passwords for each of your digital accounts. But it can become quite a task to remember all of these passwords, which consumes a lot of time and mental exertion. Why go through all the hassle when you can use one master password for all of your profiles?

Using a password manager can certainly increase your productivity by safely securing all of your passwords in one place. It can also alert you whenever your data has been breached, as well as save time by autofilling your credentials on different websites and social networks.

1Password is a great option when it comes to password managers. I took its free trial back in 2012, signed up for a paid plan soon after, and never canceled.

In this article, I’ll go through all the different reasons why 1Password is one of the best options in the password management space and how it can truly make your life easier.

Creating a 1Password account

When you sign up to 1Password, you’re asked to set a “Master Password”. This is the “one password” that you’ll need to remember throughout the term that you use this app.

Once you do, 1Password presents you with an “Emergency Kit.” This kit contains your “Secret Key” that you would need in order to log into your 1Password account from a new device or in case you forget your Master Password.


1Password highly recommends that you download this security key in the form of a PDF and take a printout of the file. I took the PDF route and saved it in my external hard drive.

Using 1Password

Once you log into your account, you’ll be welcomed by an intuitive user interface, which is basically the 1Password dashboard. “Vault” is where you can store sensitive information including your passwords, credit card details, and more.


You can choose to create a new vault or add stuff into the default one.

Another notable aspect of 1Password’s dashboard is that it clearly segregates your information into different categories like logins, secure notes, credit cards, etc. within the sidebar.

In order to introduce a new item or piece of information into your vault, you can click the plus sign at the right side of the search bar. It opens a dropdown menu for a world of items that you can add.


These items include secure notes, bank account details, login credentials, and more.

Using the “Watch Tower”

Within the 1Password app and website, there’s a place called the “Watch Tower”. This is the best part of this app which makes it totally worth the money.

The Watch Tower is constantly guarding your sensitive information and giving you updates on whether it’s being compromised in any manner.


How does it do that? Well, the Watch Tower tallies your information on haveibeenpwned.com’s list of recent security breaches.

With just a few clicks, you can direct your Watch Tower to check whether any of your login credentials have been compromised.

In addition, the feature also checks if any of your passwords can be labeled as “vulnerable”.


And if this doesn’t convince you that 1Password is worth the money, then here’s the kicker:

The 1Password app would also display a notification if you’re reusing a password.

This is a habit which is extremely hard to avert for people who tend to use the same password everywhere. Tell you what; the constant nagging by this app for changing reused passwords is a pretty darn good way of breaking this habit.


Along with these features, the Watch Tower also keeps an eye out for any potential threats to your websites and gives you a heads up if your passport or any sort of license is about to expire.

Saving passwords on the go

Another thing that I love about the 1Password app is that I don’t have to open it and add a new password every time I create a new digital account.

In fact, as soon as I log into a new type of account and type in its password, the 1Password app opens a window and asks me if I want to save the password in my vault.


With just a click and without the hassle of properly having to open my vault, I can save passwords while I surf through the internet.

1Password doesn’t just save passwords

Unlike a lot of other Password Managers, 1Password allows you to save all types of digital information including your account number, credit card number, license numbers, various types of PIN, website credentials, and even notes.

It works on every device and OS

With desktop apps for Mac, Windows, Linux; mobile apps for iOS and Android; and a Chrome extension; you can use 1Password on just about every device and OS.

There’s even a handy Chrome extension for it

1Password also offers a Chrome extension that autofills your information for accounts whose login credentials are saved in your vault.


What’s even better is that this Chrome extension is quite safe to use as it requires your Master Password in order for the autofill function to work.

This means that even if your device gets stolen, no one can use the autofill function without knowing your Master Password.

1Password plans: There’s one for every user

The 1Password service has a plethora of plans for every type of user.

These plans include:

  • Personal ($2.99 per month): Good for an individual. It provides 1 GB of storage space.
  • Family ($4.99 per month): Supports 5 users, though you can add more accounts for a dollar each. This plan includes storage space of 1 GB per account.
  • Team ($3.99 per month for every user): Unlimited accounts with admin control and 1 GB of storage per user.
  • Business ($7.99 per month for every user): Unlimited accounts with extra VIP support and 5 GB of storage per user
  • Enterprise (custom features and payment)

My final verdict

1Password is a great productivity app for anyone who can afford it.

Although it has no free plan, 1Password certainly is worth the money if you want to increase your productivity by saving time and exerting mental effort on things that actually matter.   

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