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Small Purchases, Big Impacts: Keeping Your Finances Smart
Trivia: If you saved $5 every day for a year, how much would you have by the end of the year?
RetireHub
December 23, 2024
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Good morning from RetireHub! ☀️ It’s Monday, let’s start this week off right!
Today, we’re talking moola—plus smart ways to save with the best deals on the web and more.
Your Breakfast Is Holding You Back
Coffee alone isn’t breakfast.
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Top Deals From Around The Web
We find the best daily online deals so you don’t have to!
⚡️ Up to 50% off Amazon’s leftover Black Friday deals - shop before they’re gone!
🎁 Up to 50% off last minute gifts - shop now & get them delivered by Christmas.
💳 Up to 20% off gift cards - Amazon, Instacart, Uber, and more!
On this day in 1929, jazz got a whole lot cooler with the birth of Chet Baker! Known for his silky trumpet and velvety voice, he gave us timeless classics like "My Funny Valentine" and redefined cool in every note. 🎺✨
RetireHub Poll
What’s your favorite way to save money now that you’re retired? |
Small Purchases, Big Impacts: Keeping Your Finances Smart
Keeping track of spending is essential for maintaining financial stability. While large expenses are easy to spot, smaller purchases—like subscriptions or impulse buys—can quietly add up and strain your budget. Here are some tips to stay savvy with your spending:
Audit Your Subscriptions
Streaming services, magazines, fitness apps, or meal kits—many of us sign up for these without realizing how quickly the costs pile up. Review your bank or credit card statements regularly to identify subscriptions you no longer use. Canceling even one or two can save you hundreds annually.
Avoid Impulse Buys
A quick coffee, an extra gadget, or that "perfect" decor item can feel insignificant at the moment, but small daily expenses add up. Consider creating a “waiting list” for non-essential purchases. If you still want it after a week, it might be worth the buy.
Be Strategic with Discounts
Take advantage of senior discounts, loyalty programs, and cashback opportunities, but only for things you truly need. Avoid buying something just because it’s on sale—it’s not saving money if you don’t use it.
Embrace DIY
Simple efforts like cooking at home instead of dining out, or mending clothing instead of replacing it, can have a big impact on your budget over time.
Set Financial Check-Ins
Take a few minutes each month to review your budget and spending habits. Small, consistent adjustments can lead to significant savings over time.
By keeping an eye on the little things, you can stay in control of your finances and enjoy peace of mind knowing your money is working smarter for you!
Yesterday’s Poll Results: What do you think is the biggest challenge to staying social and making friends?
Staying social and building friendships can be tricky, with many of us facing challenges like overcoming shyness, finding local activities to join, or staying connected over time. Whether you're looking for new groups to be part of or navigating health and mobility concerns, we love seeing how everyone finds their own way to build meaningful connections and stay engaged.
Thanks to the many of you who vote and comment every day. We love hearing from you!
Top comments & sentiments:
“I love meeting people while trying new activities but often these are much younger people. It would be nice to find active friends in the same stage of life.”
“I find myself uncomfortable going to group meetup events etc. even though I am not a shy person.”
“Being outgoing isn't always easy. But getting out and meeting people is important and fun!”
While we can’t publish them all, we do read and appreciate every comment. Some comments are edited to make room for more contributions.
What We’re Reading
Here’s a free book we’ll think you’ll love—download it before it’s gone!
 | By: Helen Starbuck Other families pass down stories; Kate Earnshaw’s family passes down unanswered riddles and buried secrets. After her father’s suicide, Kate faces questions about the abandoned family ranch in eastern Colorado—and about Evan Hastings, the secretive neighbor who knows more about her father than she does. Drawn back to her father’s home, Kate senses Evan may unearth more than just the past. |
Senior Living News From Around the Web
Reflecting On 2024: Your 7 Personal Finance Celebrations
Discover the 7 Personal Finance Celebrations you deserve to reflect on this year. From smart savings to milestones worth toasting, this Sixty and Me article inspires confidence and gratitude for your financial journey in 2024!
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Longevity Tip of the Day
Move right after a meal—Walking for just two minutes within an hour of meals can significantly reduce a prolonged blood sugar spike,” says Lifeforce Physician Assistant Mary Stratos. A study in the journal Diabetes Care found that when older adults at risk for type-2 diabetes walked on a treadmill for 15 minutes after dining, they had smaller blood sugar spikes in the hours afterwards. In fact, those quick post-dinner strolls were even more effective at lowering blood sugar than a single 45-minute walk taken mid-morning or late in the afternoon.
Slang Phrase of the Day
Phrase: Glow up
Meaning: A transformation or improvement in appearance, style, or overall life, often associated with increased confidence or success.
In a sentence: After years of hard work and self-care, Sarah's glow up was undeniable; she looked more radiant and confident than ever.
Good News of the Day
Face of Real St. Nicholas Reconstructed with 3D Tech Shows He Did Look Like Santa Claus
See the real face of St. Nicholas! Using 3D technology, researchers reveal what the man behind the legend looked like—and yes, there’s a hint of Santa Claus. Dive into this fascinating blend of history and holiday magic!
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RetireHub Trivia
Want more trivia? Play our “Nostalgia Trivia Game” on our site! We add fresh questions daily, so there’s always something new to test your knowledge.
Not into trivia? No worries! We’ve got plenty of other fun games to enjoy, like:
In 2023, what was the largest Powerball jackpot ever won? |
Which billionaire is known for being the founder of Tesla and SpaceX, and for his ambitious plans to colonize Mars? |
If you saved $5 every day for a year, how much would you have by the end of the year?No calculators allowed! 🤣 |
How was today's newsletter? |
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**RetireHub may share poll results with advertisers.