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Stop Being Broke In 30 Days

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Who doesn’t want extra money in their savings account at the end of the month. Tired of having an empty wallet and staring at your account having a balance of zero. No matter your reasons, improving your finances should always be one of your goals. Building a plan and following a plan is easier than most people make it. You don’t need Harvard level of finances to start changing some of your terrible money habits.

This article will not focus on one month “buy nothing”  plan. A buy nothing month is simple: buy nothing that’s not a necessity, and simplify your spending on necessities as much as possible. That means having the willpower to walk away from buying anything that is not necessary for your everyday existence.  That means avoiding going out to watch every summer movie, eating out every night, and buying those headphones that you don’t need.

If this sounds a bit extreme, it is. A buy nothing month is hardcore personal finance, but if you’ve been struggling to get your money in order, it’s time to turn off the spending altogether. You’ll learn a lot about your relationship with money when you’re constantly feeling the urge to spend and having to resist it. Learning to free yourself from the urge to spend is genuinely rewarding, so don’t be surprised if you emerge from your month with a new perspective. Also, you will have money put away in savings and you will no longer be broke.

Groceries

If you normally spend lots of money on going out to eat each month, this will be one of your biggest money savings, and also the biggest challenge. Stocking up on frozen entrees isn’t an option: they’re full of sodium and aren’t very nutritious. You can, however, have a few around for the days when work goes late and you come home utterly exhausted. Beyond that, it’s going to be you and your kitchen taking care of the meals — and without Starbucks to make your coffee for you, you’ll be up early taking care of breakfast. A little bacon and eggs in the mornings has more flavor than that drive-through breakfast sandwich you normally fuel up with, and costs pennies compared with fast food prices. And if you’re the type who sleeps to the last possible moment, a quick breakfast smoothie can be ready in less than a minute — plus it’s easy to take in the car.

Entertainment

Since you won’t be going out this month, you’ll need to focus on entertainment that doesn’t cost anything. That doesn’t mean you need to be a social leper, but hitting the bars isn’t in the cards this month. What you can do, however, is have people over to the house, make dinner for some friends and play some board games. If you already have the gear, activities like fishing and camping make a great choice. And you should still catch the big game, but watch it on somebody’s couch instead of at a sports bar.

In your alone time, be sure to spend a few minutes reflecting on your month. If it helps, you can jot down notes about your experiences to reflect on later. And reading should be at the top of your list of entertainment activities — it’s good for your brain, makes you a better man, and you’ll finally be tackling all those books you’ve bought but never read. If you’re the rare man with no unread books in the house, head to the library for a lifetime’s worth of free reading, and grab some CDs and movies while you’re there.

Bills

Consider the role bills have in your life. Know any friends who have a gym membership they never, ever use? It’s wasteful, and cutting that expense would save them money every month. So, go through all your subscriptions, bills and fixed costs, and suspend everything that can be paused or “turned off” for the month. Even though you may not get rid of the bill by suspending it for a month, you’re cutting through all the financial noise in your life, and the simplicity of this month will help you realize what’s actually worth keeping and what’s just fiscal clutter. If anything is more costly than it is useful, get rid of it. So, if you’ve been enjoying your Netflix, keep it, but if you’re not getting value from it, maybe you’re better off without it after all.

Bills and memberships are a special case with the buy nothing month: you can’t cancel your subscription to a magazine for a month and some memberships can’t be suspended for a month. They still get reviewed this month, though: use this time to review all of these costs, and decide whether or not they actually add value to your life.

Savings

It’s also important to make sure that all that money you saved goes to something useful. Don’t just leave it in your checking account to disappear a little at a time: save it, invest it or pay off some bills with it. Finally, it’s tempting to spend lavishly once the month is over. With the pressure of living so frugally finally off, many people go on a spending spree and undo all the saving they just did. So don’t “treat” yourself to something; just go back to your old spending habits, unless your old habits suck. Allow yourself a pat on the back for achieving your goal, then spend within your means and enjoy the nest egg you built up in record time.

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Kyle Kuzma Signs Deal With GOAT To Wear Rare Nikes

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Los Angeles’ Lakers’ second-year forward Kyle Kuzma has signed a deal with GOAT, the world’s largest marketplace for authentic sneakers, making him the first athlete to partner with a sneaker reselling platform.

“GOAT has inspired me to start collecting more seriously and build my style around sneakers,” said Kyle Kuzma. “People assume that, as an NBA athlete, you can get access to any kind of sneaker you want. When in reality, it’s hard to get the exclusive releases or shoes from the past, and feel confident they’re authentic. GOAT gives me a second chance at not only the limited releases I missed, but also the shoes I wasn’t able to afford growing up.”
“GOAT has always celebrated great athletes,” said Eddy Lu, co-founder and CEO of GOAT. “Kuzma is emblematic of the passion, focus, and determination that reflect what it means to be great. We couldn’t be more proud to have Kuzma represent the GOAT brand, and inspire others both on and off the court.”
Since the NBA removed its restrictions on what color sneakers players can wear on the court.  The deal will allow Kuzma to wear any color combinations of rare kicks.

 

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Adidas Releasing Limited Edition Waterboy Collection

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Adidas is officially releasing a Bobby Boucher jersey from 1998 classic Waterboy.

The jersey is apart of limited edition collection to celebrate Adam Sandler’s iconic character. The gear will feature the SCLSU (South Central Louisiana State University) Mud Dogs apparel from their Bourbon Bowl victory. Boucher was the linebacker that led the team to an epic comeback win 30-27.

The Adidas Bobby Boucher Mud Dogs’ replica jersey recreates the original Adidas Mud Dogs’ uniforms worn in the film. Centered around the classic orange home colorway, the jersey features Boucher’s name on the back, the #9 and the Bourbon Bowl Championship patch on the upper left chest. Additional design details include the royal blue and white striping across the sleeves and neckline.

The limited edition capsule collection will feature key pieces of apparel and accessories seen throughout the 1998 classic film have been recreated for fans of Bobby Boucher and the Mud Dogs, including the Bobby Boucher Mud Dogs’ replica jersey ($120), Coach Klein’s varsity jacket ($100), an SCLSU hat ($30) and SCLSU water bottles ($20).

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Chance The Rapper Goes Undercover As A Lyft Drive For Charity

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Chance the Rapper’s latest act of charity included taking people around Chicago as an undercover Lyft driver. In partnership with Lyft’s Round Up & Donate feature, Chance’s new Socialworks program New Chance Fund is raising money for Chicago’s Public Schools through the ride app.

“Together, Lyft and I have been giving back with Round Up & Donate for SocialWorks’ New Chance Fund,” said the Chicago native. “Now, we’re having some fun in my hometown, Chicago, as I go undercover as a Lyft driver. I hope this video encourages even more folks to give back just by taking a Lyft.”

“We share Chance’s commitment to investing in our communities and are proud to support Chicago Public schools through Round Up & Donate. We had a blast surprising fans with Chance as their driver while showing them how easy it is to donate to causes they care about,” said Austin Schumacher, Head of Culture & Entertainment Marketing at Lyft.

Earlier this month, Chance the Rapper announced that he’s donating $1 million to mental health services in Chicago at the second annual SocialWorks summit.

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