BC ALL
Saved by @iambhatia9

Reducing your monthly expenses is hard, but

It's much easier if you have a system in place

The system I use is simple, and has saved me $1,000's

Let me break it down for you:

 Frugality:

- The quality of being economical with money

‘Earn more, spend less, invest the difference and enjoy the ride’

This simple mantra has helped me grow my net worth from -£40K to £252K

Frugality is the ‘spend less’ part
As a cost of living crisis spreads across the globe

It's never been more important to try and lower our expenses

But how?

I'm going to show you a simple method I follow which has saved me a small fortune over the years

Let's get into it
Firstly

Frugality is not about limiting your life to the point of misery

It’s about being intentional with your choices

When making any purchase, in a store, a supermarket, for insurance, a holiday, or a household bill...

STOP.

And ask yourself these 5 questions...
1. Do I REALLY need this & what are the consequences if I don’t make this purchase?

2. If I need it, do I really need it right now?

3. If so, is the price good value for money?

4. If not, can I get it cheaper elsewhere?

5. If not, can I get a discount/earn rewards points?
Let’s go into detail...

1. Do I really need this?

This depends what it’s for

Groceries?

Sure! But even here, there are opportunities to save & get better value.

Some tips:
- Avoid brands & go for store brands where quality is the same
- Stick to your list
- Shop online
Shopping without a list is a recipe for disaster

You’ll end up impulse buying things you don’t need

Or because they were ‘on offer’

Avoid this:

- Use stores like Aldi & Lidl
- Use a rewards/loyalty card for the store you shop at
- Use a rewards credit card
2. Do I need it NOW?

As above, if it’s an essential item, then yes!

There are clear consequences to not having food

But, impulse buys are where you need to apply this question.

Try putting things you think you need now into your online basket & waiting two weeks...
If, after 2 weeks you still think you need it, go ahead!

In most cases though, you’ll forget about it completely.

Congrats! You just saved yourself some money.

Next up...
3. Value for money?

This one’s simple!

SHOP AROUND!

- Check similar retailers
- Use https://t.co/M9FXaQiqIb
- Check eBay as well as amazon.

For household bills, check at least 2 comparison sites!

-Bonus tip-

Pay with your rewards credit card & clear the balance!
4. Can I get it cheaper elsewhere?

If it’s not good value for money, buy it from wherever you found it to be cheaper!

I’ve saved £1,000’s by switching suppliers for bills and insurance!

See how much you could save by doing some switching today!

I dare you!
5. If I can’t get it cheaper, can I get a discount/points/cashback?

If you’ve come up short with the above, see if you can earn loyalty points with that store, through your rewards credit card or cashback

Try google to see if there’s a code or cashback deal anywhere online
I like to stack these:

Example: House insurance 🏡

- Bought through Sainsbury’s
- Received 10% discount as a nectar card holder
- 7,000 nectar points reward bonus worth £35
- Double points on shopping for the rest of the year
- Used Sainsbury’s credit card for 2 points per £
If you ask yourself these questions & explore how you can save/earn money from your everyday purchases

I guarantee you’ll get addicted and save yourself a small fortune in the process!

Then, invest this for your future
BONUS TIP

Free Cashback

You buy stuff online, right?

Whether it's clothes, car insurance, takeaway food or beer.

So, why aren’t you earning cash back on these purchases?
Sites like Top Cashback allow you to earn between 5 -50% cash back on stuff you buy every day

Online food shop? 5.5%
New beer dispenser? 10%
Car Service? 8%
New laptop? 25%

Go to the website, find the store, shop & save.

Join now 👇
https://t.co/lGGMxsiTCk
BONUS TIP 2 - Track your spending

Using a simple budget and spending tracker has been a game changer for keeping out outgoings under control and ensuring there is a surplus we can invest

Watch this video to see the power of a simple tracking tool 👇
https://t.co/RD9DtzikJs
If you enjoyed this thread, please:

1. Retweet the 1st tweet below to share this thread

2. Follow @FiSavvy

I'll show you how to manage and invest your money so your 9-5 becomes optional https://t.co/SB6tWyWEQT

More from All

Anu Satheesh
Anu Satheesh
@AnuSatheesh5
Story of Thumba Poo and Shiva

Thumba poo is a tiny white flower which grows in all areas. These flowers are used for treatment for sinus. Small children who have polyps in Nose are told to crush tumbha leaves and apply in nose part.
There is an interesting story of Thumba and


Mahadeva. Thumba flowers were not taken for Shiva Pooja. Saddened to this Thumba prayed sincerely and Mahadeva appeared before her.
She was surprised that Shiva had appeared before her. Instead of saying that she wants to under his feet always, she said
@SriramKannan77


She said that her feet should be on his head. Shiva accepted her prayers. It is because of this Thumba flower is placed in the head of Shiva Linga.
Shambo Mahadeva
Om Namah Sivaye
🙏🕉🙏
ALL
.
.
@oyevivekk
THREAD:

80 Films with the biggest Plot Twists that will blow your mind.

1. Fight Club


2. Predestination


3. Seven


4. Requiem for a Dream
MOVIES , ALL , LIST OF MOVIES
Advertisement
\U0001d54d\U0001d560\U0001d56a\U0001d552\U0001d558\U0001d556\U0001d563
𝕍𝕠𝕪𝕒𝕘𝕖𝕣...
@V0YAGERTWEETS
Ｇａｕ Ｍａｔａ Ｉｎ Ｖｅｄｉｃ
Ｃｕｌｔｕｒｅ

It is said that the one who bears the dust thrown from the hoof of Gaumata on his head, as if taking a bath in the water of the teerth sthalam and getting rid of all sins.


Ved and all other Hindu scriptures venerate the cow. The Vedic dictionary, Nighantu, gives amongst other synonyms of 'Gau' [ or cow] the words 'Aghnya', 'Ahi', and 'Aditi'.

Yaska the vedic decoder and commentator on Nighantu, defines these as-

Aghnya —— the one that ought not to be killed
Ahi —— the one that must not be slaughtered.
Aditi —— the one that ought not to be cut into pieces.

These three names of cow signify that this is an animal which should not to be put to tortures. These words appear frequently throughout the Veda in context of the cow.

But in due course the falsehood of killing cows spread far and wide and they became even more deep rooted when western scholars with their half baked knowledge of Sanskrit transliterated these interpretations of commentaries of Sayanacharya ,
ALL
Sohaib Albadawee
Sohaib Albadawee
@albadawee
In the past couple of months, 50,000,000 people read my Tweets.

That's more than the population of Canada.

My Secret?

I use the same 7 templates every time (Grab them for free) ↓

📑 Listicles

If you're starting out this one is perfect for you.

Curate lists of:

- Tools to use.
- Books to read.
- Creators to follow.
- Podcasts to listen to.

Add a question & you got a banger.

Grab this template ↓

X life-changing [books, podcasts, courses,etc..)

1. ______________
2. _____________
3. ____________
4. ___________
5. __________
6. _________
7. ________

→ What did I miss?/What else?

🔖 How to do X

This one will get you authority and fans.

Break down something you did in steps.

List them down & encourage people to go for it.

Grab the template ↓

An easy X-step process to [desired outcome]:

1. ______________
2. _____________
3. ____________
4. ___________
5. __________

6. Thank me later
ALL
Buzz Chronicles
Buzz Chronicles
@buzz_chronicles
@UnrollHelper Salut! There you go! Original tweet by @AnJamison: "@SethAbramson @buzz\_chronicles @buzz\\\_chronicles @buzz_chronicles save as cat...". Cheers! 👌

Salut! Of course! Original tweet by @UnrollHelper: "@AnJamison @SethAbramson @buzz @buzz_chronicles @pdfmakerapp @Readwiseio @thread...". Enjoy ✌
ALL

You May Also Like

Suhail
Suhail
@Suhail
1/ The first 18 months of starting a company is often life or death. I must've made 5 different companies that each failed within 9 mo. 😭 Each time the company failed I figured out what I could do better. Eventually startup #6 got to $40K/mo by month 18. Here’s what I learned...

2/ Stay focused! Ignore things that are a waste of time: meetups & conferences, meetings with no clear agenda, fundraising if you're not fundraising, reading lots of tech media articles, etc. Every week should feel like significant progress in the first year.

3/ Your first 5 hires will be the difference between life or death. Choose carefully. Be picky. Many of the things we do at the company still are a result of those early hires' legacy. Have fun as a tight knit team. It will change & evolve as you get bigger so enjoy this moment.

4/ Growth may be flat for the first 9 months. It's gonna be okay. Almost every company has experienced this: Airbnb had to sell cereal in-between, Slack failed as a gaming company first, Tesla sold only 147 cars after 6 years! You probably won't be an overnight success either.

5/ In the beginning, do customer support yourself. You will learn a lot about why your product sucks. I did 5,000+ support tickets when it was the two of us. Delight customers & fix things fast while you learn. It will help you build an amazing intuition about your customers.
STARTUPS
Enigma
Enigma
@ainittomai
On December 25 Mr Pool retweeted August 16 message about the Phoenix and that the worst was still on the horizon to come. 1/*


Maybe now we can assume that November 3 message meant "FUD" nor "FUN". Putting the word in capital letters seems to indicate the aspect the word fud has in our space, FUD. 2/*


Brad started it on December 22 (1/3 posts (Don't say? Sure) = 13 = Plan B). 3/*


And immediately the SEC followed dropping the bomb (1.3 billions (Don't say? Sure) = 13 = Plan B). 4/*


FUD materializes, Bitstamp is one of the first that haltes XRP trading and so on. 5/*
FOR LATER READ
Advertisement
Dr Fish Philosopher Todd (Dr FPT)\U0001f41f
Dr Fish Philosopher To...
@ZoeSTodd
1. I was walking in the woods yesterday and I had an epiphany. It wasn’t one I wanted to have. I was thinking about today’s class, where we are reading Kimmerer’s ‘Gathering Moss’. I’ve taught Braiding Sweetgrass in multiple classes every year since 2016. It’s eminently teachable

2. Both books are beautifully written. Students uniformly enjoy them as assigned reading. They do a great job communicating to non-Indigenous folks the contours of basic Indigenous relationships to more-than-human beings. They’re wildly popular with white readers.

3. I’ve found Braiding Sweetgrass to be a great entry point for non-Indigenous folks to Indigenous scholarship. But this is where yesterday’s epiphany comes in. Neither Braiding Sweetgrass or Gathering Moss tends to the deep deep lineages of Indigenous scholarship in Canada or US

4. As the popularity of ‘Braiding Sweetgrass’ has soared, I’ve seen more and more white folks wax on about ‘braiding knowledge’. But they often don’t know any of the lineages of these concepts beyond what is presented in this one book. They confidently run with this.

5. Kimmerer does a commendable job of weaving in her own experiences, her family stories+nods to some very important knowledge keepers who deserve to be celebrated for their work. But Braiding Sweetgrass does not tend to the citational politics Sara Ahmed & others teach us about
SOCIETY
ArmaniTalks \U0001f399\U0001f525
ArmaniTalks 🎙🔥...
@ArmaniTalks
Shy people are either overthinking or highly observant of the social setting.

And in many cases it can be both.

'So what do I do?'

You learn the 75/25 law.

'What is that?'

The law of charisma...👇

Let's address the over thinkers first.

Do you have any idea why you overthink?

'Yea. Because others are judging how shy I am.'

Incorrect.

Others are thinking about themselves, not you.

But the fact that you think they are thinking about you, you fuck up the interaction.

Now you stay in your head too much & avoid the present moment.

A major no no in the social world.

Your tendency to think that others are judging you for being shy, coincidentally makes you more shy.

And that's when you start giving off a strange vibration to the social setting.

This is when you begin attracting comments like 'why are you so quiet?'
LIFE
Anshul Pandey
Anshul Pandey
@Anshulspiritual
STORY OF PURANAS AND SUB PURANA (उप पुराण).

We have already gone through the series on importance & characteristics of all the eighteen Purans. We also know that originally there were hundred crore shlokas but were divided by Vyas in each Kalp and was compiled as eighteen Purans


for the common people to understand it properly and now their total is about four lakhs.

In Brahm Puran, Brahma preached this to Marichi. So this Puran of ten thousand shlokas is called Brahm Puran.

In Padma Puran, the base of the story is the appearance of Brahma on a lotus(Padm) from Vishnu' s navel.This has fifty five thousand shlokas.

Vishnu Puran is primarily based in Varah kalp. This book is on Vishnu and this book has twenty three thousand shlokas.

Vaayu Puran is written in Shwet Kalp and has twenty four thousand shlokas. Here Vayudev preaches about Dharma.

In Bhagwat Puran, which is written with the base of Gayatri mantra describes Dharma extensively. It has 18000 shlokas. It also mentions the story of Vritrasur.

In Narad Puran, which has twenty five thousand shlokas, is a sermon on Dharma by Narad based in Brihad Kalp.

Markandeya Puran has nine thousand shlokas and here it is through the birds that Dharma is described.
RELIGION