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Money Tight? Trim the Fat!

Do you think you might be laid off? Is your company cutting back on raises and benefits? Are you unemployed? These trying economic times may cause difficulties, but they also represent a tremendous opportunity for each of us to examine our role in the economy and to examine our personal consumption habits. If we all resolve to improve the quality of our spending, even though we may be limited in how much we spend, our world will come out of the current recession much healthier than it was before.

If money is tight, be especially thoughtful about how you spend it. Here are some no-brainer suggestions for ways to cut your expenses. You may think these things are too trivial to bother with, but over the course of a year or two, the savings will really add up:

• When you reach for the last book of checks in your drawer and see that "reorder now" sheet, instead of calling your bank, shop for bank checks online. Buying online can save you most of the markup that your bank charges.
• Check your newspaper subscription rates. If it is cheaper to just get the Sunday paper, change your subscription. You don't need to read the paper seven days a week, and you will be saving many trees by cutting down to one day. Be sure to clip grocery coupons from your Sunday paper. The savings will pay for the paper many times over and will significantly cut your food bill.
• If the store is just down the street, walk or ride a bicycle to do your shopping. Use cloth tote bags or a backpack to carry your purchases home. If you avoid driving just one mile per day, you will save anywhere from $25 to $75 per year on gasoline, depending on your car's efficiency and the price of gasoline.
• Use your heating and air conditioning as little as possible. Look for easy ways to save energy around your house. Easy ways to save energy are by covering windows on cold nights and plugging leaks around windows and doors.
• Buy unprocessed foods and cook from scratch. Not eating out can save you a ton of money. But, don't neglect to support your local eateries on special occasions like your significant other's birthday!
• Need new clothes? Check your local thrift store first, especially for kids' clothing that they will outgrow quickly. You can find like new items at amazing prices.

These are just a few simple suggestions. Remember to have fun while you are saving money. Be creative when you buy checks. Don't get the same boring design you have had forever. Get checks with frogs or something exciting like endangered species checks instead. Make foods you have never tried before, like a green salad with arugula and spinach, or grilled bison burgers. Buy a designer dress that you could never afford brand new for just a few dollars at your local thrift store. Life is short. Have fun!

The Pen Is Mightier Than The Phone: A Case for Writing Things Out (fastcompany)

Writing things down, with your actual hands, is just plain better at getting
you to remember and execute good ideas. Here's why.

There’s all kinds of advice across the web about when to use which app for
each small thing that needs doing. But the advocates for using paper to
complete certain tasks are not so loud (you can’t hear them typing, among
other things). Yet a Forrester Resarch survey of business professionals found
that 87 percent of them supplement gadgets with paper productivity, and 47
percent thought their personal and company efficiency would improve with
better note-taking. The survey might have been biased, since it was sponsored
by the makers of the Livescribe smart pen, but you can’t help but think it
touches on a need to refamiliarize ourselves with ink and thinly sliced wood
pulp.

Paper, but more specifically handwriting, will likely always be with us, and
that’s a good thing. It’s a smoother path from your brain to printed word, it
saves you from task-switching overload, and it possibly makes the best to-do
list.

So here’s a chance for advocates of the hand-written way to make their best
pitch for the best uses of ...

fastcompany

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