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8 Things You're Definitely Spending WAY Too Money On Every Month
How much do you think you spend on nonessentials? On average, Americans spend nearly $18,000 a year on nonessentials. If that sounds like a lot of money, it's because it is. Over time seemingly small splurges, like $5 here and $7 there, add up.
The money you impulsively spend could be put to better use. Often, we don't recognize how much we're spending because it's easy to swipe your card and not think about your declining bank account. You may have to put in extra work to cut back, but it's possible when you identify the ways you're overspending.
1.Coffee
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Coffee gives most adults that boost of energy to help get them through the day. Buying a daily dose of caffeine can easily become a costly habit. The few dollars spent on that delicious latte can really add up without you taking any notice. Spending four dollars a day on coffee can add up to $28 dollars a week and that's $112 per month. By the end of the year, you could save $1,344 by cutting back on your coffee habits. Making your coffee at home in a travel mug is more cost-efficient than spending money at a coffeehouse to get your daily fix.
2.Food Delivery
Takeout is on the rise, especially with the addition of food delivery services. Research showed 47 percent of respondents feel they overspend on takeout and 52 percent are usually hit by guilt after doing so. Everyday there's a new app that will personally deliver your favorite eats to your door, but not without added fees. The convenience of takeout comes at a price. It might be better for your wallet to personally pick up your food to avoid any extra fees and to prepare homemade meals.
3.Ride Sharing
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Everybody's using ride sharing apps these days because it's so convenient and hassle-free, but frequent use of ride sharing apps can ruin your attempts at saving money. The amount of money you can save on transportation by using public transportation or driving your own car is astronomical.
4.Cable
These days, it's possible to stay in the know about trending shows and movies without even paying for cable. The options to replace your cable bill with a streaming bill continue to grow by the day. Most people don't watch every single channel in their cable package anyways. If you find yourself watching less and less cable, then it may be time to ditch it all together.
5.Subscription Services
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In the US, consumers subscribe to three subscription services on average and 34% of respondents plan on subscribing to more services within two years. Subscription services are popping up everywhere and it's tempting to sign-up for every single one that sparks your interest. When you sign-up, the rate seems like a steal because it's just $10 a month, but this adds up throughout the year. Sit down, and add up the annual amount you're paying for subscription services and it may surprise you. Oftentimes, we are subscribed to services we don't even use.
6.Buying Lunch
Making your lunch everyday will save you money and probably help you to eat healthier. Let's be honest, eating healthy can be more costly than eating cheap processed food. It's cheaper to make healthy food at home, so you don't have to buy an easily overpriced salad. Spending over $10 a day on lunch for five days of the week is $50 per week. You work hard for your money, there's no point in eating it away.
7.Gym Memberships
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It seems like there's a gym around every corner with a plethora of amenities and features. A gym membership is a great investment in your health and wellness, but do you need an expensive membership when you only use a few machines? Also, if you signed up for a gym membership during the new year and you haven't used it in months, then it might be time to cut your membership.
8.Dining Out
Americans spend an average of $209.38 on restaurants per month. Restaurants are the number one luxury Americans choose to splurge on. It's not because the food is simply amazing, it's also the social component. People like to get together Saturday nights with their friends and family and forget about their worries, but this can come at a cost. If you can limit your dining experiences, then you'll be sure to have more money by the end of the month. Think about hosting dinners at your home by cooking or having guests come together to have a potluck.
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Aaliyah Sydonie Williams is a lover of pomegranates, intimate concerts, fluffy socks and all things R&B. She's a founder of a college advice blog, Her Little Corner, where she dishes helpful advice for college students to slay their college experience. When Aaliyah isn't eating at Starbucks, she's studying for her courses in finance, discovering new spots in the city, and brushing up on her photography skills. Keep up with her at Aaliyah Williams (@aaliyahsydonie).
This article is sponsored by Hulu.
UnPrisonedhas returned for its highly anticipated second season, delving deeper into the complex dynamics of the Alexander family.
The series premiere comes a year after its debut season garnered rave reviews from fans and critics and earned record-breaking ratings for Hulu's Onyx Collective brand. UnPrisoned's success can be attributed to its raw, relatable themes and comedic appeal.
Inspired by creator Tracy McMillan's life, the show follows Paige (Kerry Washington), a therapist and single mother whose life takes an unexpected turn when her father, Edwin (Delroy Lindo) --who was released from prison-- moves in with her and her teenage son, Finn (Faly Rakotohavana).
Throughout UnPrisoned's first season, viewers witnessed how Edwin's incarceration deeply affected Paige's life and relationships. In the series, Paige unpacks her trauma through interactions with her inner child and her online followers. Meanwhile, Edwin is overcoming specific struggles with his own past that led to his life of crime, including a dysfunctional upbringing and his mother's arrest. As the Alexanders attempt to reconcile, new challenges arise.
This new season promises to further explore their unconventional family dynamic. Here are several compelling reasons why season two of UnPrisoned should be on everyone's watchlist.
The Alexander Family Life Is Still In Shambles
UnPrisoned's second season resumes where the series left off, with Paige grappling with the fallout from her troubled therapy practice and Edwin navigating life independently after moving out. Meanwhile, Finn faces his own challenges. The teenager is battling anxiety and seeking information about his father—a topic Paige avoids discussing.
The Alexander Family Are Attending Therapy To Resolve Their Underlying Issues
Amid the chaos in their lives, the Alexander family decides to mend their bond by confronting their past traumas. They seek professional help and attend therapy sessions with a “family radical healing coach,” played by John Stamos, a new cast member. This collective effort aims to unravel the complexities of their shared history and strengthen their relationships.
The process of unraveling each character's internal conflicts and their potential impact on future relationships may clash with Paige's textbook therapy approach. While Paige is used to being in the therapist's seat in both career and family, this forces her into the unfamiliar role of a patient during therapy sessions. This shift would compel her to look in the mirror and try a radically different approach.
The Alexander Family Learned A Big Lesson During A Therapy Session
In therapy, the Alexanders are tasked with addressing their individual traumas to salvage their remaining relationships. One of the family therapist’s eccentric suggestions was an exercise involving a family wrestling match. During this session, Paige faces tough questions about her refusal to share information about Finn's father.
While it's unclear whether this scene is reality or fantasy, the image of the family duking it out in the ring certainly makes for hilarious yet compelling television.
Paige Tries Dating Again Following Failed Relationships
Amid her life's chaos, Paige decides to step back into the dating field. However, her many attempts have left her with mixed results. The dating apps have turned out to be a fail, and an outing with her ex Mal (Marque Richardson), who is also her father's parole officer, doesn’t go quite as expected after he brings an unexpected guest – his new girlfriend.
The situation takes an awkward turn when Mal's new partner learns why the former couple split, partly due to Paige's self-sabotage.
UnPrisoned Is A Perfect Balance Of Comedy And Drama
As a dramedy, UnPrisoned takes a comedic approach to its heavy subjects. The show takes us on a ride with Paige's dating misadventures and navigating a friendship with her ex.
Other lighthearted moments include Edwin's attempts at CPR based on online videos and, of course, the antics of the Alexander family's unconventional new healing coach.
The second season of UnPrisoned is now available on Hulu.
UnPrisoned | Season 2 Trailer | Hulu
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Love On The Brain: What Science Says Loving Someone Does To You Mentally
I dig science. A big part of the reason why is because I really enjoy researching the “whys” of things. While my father always liked that about me, my mother oftentimes had something slick to say about it (that’s another message for another time, chile). To me, it’s whatever. For better or for worse, I’m simply not someone who accepts that the sky is blue “just because” — put it on my daddy’s DNA, I guess; with no apologies in place, I almost always want to know why something is the way that it is.
And since I spend so much of my time working with couples and writing on relationships, I’m sure no one is shocked that I’ve done my due diligence when it comes to figuring out what is really going on in the minds of humans whenever they are hyped about being in love. While on the surface level, it might seem like I’m being cynical, I’m actually not. It’s more about…well, again, I’ve been working with couples and writing about relationships for so long at this point that I think it’s important for folks to know the difference between an “emotional surge” and a truly wise love decision — and being aware of the role that the brain plays when we think that we’re in love with someone? That can help to bring some perspective and clarity into all of this.
So, whether you’re in something new and you’re currently on cloud nine, you’ve been in something for a while now and you’re wondering if you’ve “lost that loving feeling” or if you’re borderline on the verge of self-sabotage or, you’re like me, and you simply like to know random information just because — I’ve got 10 things that might be of interest to you as far as what science says love can literally do to you on the mental tip.
It’s fascinating stuff, indeed.
1. Dopamine Gets Activated
It’s pretty interesting thatdopamine is a type of neurotransmitter that plays a significant role in things like how you are able to experience pleasure or create memories because both of those are quite relevant when you’re in love with someone. Well, according to science, when you feel like you truly love an individual, dopamine gets activated on a whole ‘nother level to the point where you not only feel euphoric but,it’s at the level of what alcohol or a cocaine high can produce (have mercy!) I’m not exaggerating, either.
In fact, Medical News Today once published an article entitled, “Falling In Love Hits The Brain Like Cocaine Does.” Hmm…makes you wonder if some people run up outta there marriages, not because there’s really anything “wrong”; it’s just that they have crashed from their “cocaine high” and no one prepared them for how to handle it (get into premarital counseling, engaged folks; it makes all the difference in the world!). Also,as far as dopamine goes, when men are “falling” for a woman, it’s dopamine and vasopressin that increase, while, for women, it’s dopamine and oxytocin. During sex, vasopressin drops in men, while oxytocin increases when a woman climaxes. The more you know.2. Euphoria Increases
Let’s go a little bit deeper into the whole euphoria thing. At the end of the day, euphoria is about intensity. I mean, a part of the reason whythe series Euphoria has been so popular (and jarring) is that it showshow drug abuse can put people into a euphoric state — at first in a pleasurable way and eventually on a devastating level. When it comes to love, some experts say that three stages transpire when you feel like you’re in a love-related euphoric state:arousal, attraction, and attachment. And you know what? If you aren’t intentional about doing what Ben Franklin once said (“If passion drives you, let reason hold the reins.”), you could find yourself being on a roller coaster of emotions without having a relationship that consists of much stability. Yeah, euphoria increasing can be problematic as hell if you don’t get all of what comes with that.
3. Oxytocin Surges
When it comes to the articles that I’ve written on love, sex, and relationships on this platform, I don’t know if there’sany hormone that I’ve shouted out more than oxytocin. That’s because there are countless amounts of intel supporting the fact thatit bonds people through things like hand-holding, cuddling, kissing, and definitely sex. That’s whysome experts say that oxytocin can cause people to become “single-minded” about a person, it cancultivate feelings of trust, and it can literallycreate physiological changes that cause you to seek out your love interest.
This is a part of the reason why, when people declare that they are “in love” after say, a one-night stand, my mind immediately thinks, “Eh. Sounds more like an oxytocin surge.” You don’t know them well enough to love them; you can “love” how they make you feel, though. It’s essential to know the difference.
4. Fear Decreases
Now, this is an interesting one. Something else that science says happens when people are in love is the neural pathway that is associated with things like fear and judgment. It actually deactivates itself (chile…CHILE). Yep, some studies reveal that the part of your brain that encourages you to make “critical assessments” of individuals. When you feel like you love them, that shuts down. As a direct result, in walks the rose-colored glasses, and out goes the red flags. And that’s why, when I recently read that a particular actor didn’t heed some warnings from her friends regarding her new relationship, I literally shook my damn head.
When you’re all in love, especially in the beginning stages, having folks around who don’t feel the same ways about the person as you do can actually help you out in the long run, so long as they are good friends with a solid track record, they are going to notice some things that your neural pathway is keeping you from paying close attention to. Yeah, y’all be careful out there.
5. Your Prefrontal Cortex Slows Down
Speaking of desensitized senses, something else that transpires when you’re caught up in someone isyour prefrontal cortex becomes sluggish. Why is this problematic? Well, that’s where the logical part of your brain is housed. This means that when you love someone, you may not be the best at making sound and practical decisions. Although I don’t agree with an article that said this means that love is illogical (love is sound, sane, and stable; it’s folks who jack relationships up…not love), I do think all of this is a reminder that you must rely on more than just how someone makes you feel when you’re trying to decide who to build a life with. Moving on.
6. Your Hypothalamus Revs Up Your Sex Hormones
I don’t know about y’all, but I don’t know too many people who aren’t attracted to the object of their love and affection. And so, when you do fall in love, something else that happens isthe part of your brain known as the hypothalamus stimulates your ovaries while it also stimulates your man’s testicles — and that is what makes you feel an overwhelming feeling of desire (i.e., lust) for your partner.
7. Your Brain’s “Reward Circuit” Lights All the Way Up
Speaking of longing for your partner, three parts of your brain — the amygdala, the hippocampus, and the prefrontal cortex — are known as its “reward circuit,” and whenever you even speak about your bae, this is the part of your brain that lights up like a Christmas tree. Something that’s really interesting about this particular point is, that while this is happening, your serotonin levels typically drop.
Why does this matter? Well, serotonin helps to keep your anxiety levels in balance, and it also helps you to regulate your appetite(s). This would automatically cause me to believe that people who struggle with love addiction probably have a low level of serotonin operating in their system.
Oh, speaking of serotonin, although you may never think to get your hormone levels checked strictly to learn more about how you’re acting/reacting in your romantic relationship,I also found it interesting that people who have more dopamine in their system tend to take more risks when it comes to love while those who have more serotonin are usually far more cautious. Meaning, that how you are in your relationship(s) may not be just about your personality; your hormone levels tend to have a say as well.
8. Your Anterior Cingulate Cortex May Make You Obsessive
Your anterior cingulate cortex is the part of your brain that’s associated with things likemotivation and action. Anyway, since overactivity in this part of the brain is oftentimes linked to things like obsessive-compulsive disorder,some researchers believe that the reason why some people seem to think obsessively about their partner, almost to the point of obsession, if they don’t stay on top of it, is because of how their brain reacts to their attachment to their partner.For the record, this is also the part of your brain that literally lights up whenever you see your partner, too.
9. Vagus Nerves “Sync Up”
Your vagus nerves are a part of your nervous system that starts at your brain and runs through your digestive tract. This makes them an integral part of things like your immunity, your speech, your moods, and your heart rate. As far as your brain goes, some studies reveal that after a couple has been together for a longer period of time, it’s not uncommon for their vagus nerves to “sync up” in the sense of having similar facial expressions and hand gestures being and even their hearts starting to beat at the same pace.As a direct result, the syncing makes it easier for both individuals to make sacrifices for one another in order to remain together. Share that with your grandparents the next time you see them. #wink
10. If You’ve Been Together for a While, Your Angular Gyrus Becomes Stronger
Speaking of longevity, another perk that comes with couples who choose to go the distance is the part of their brain known astheir angular gyrus becomes more active. What’s actually sweet about this is that not only is this what makes it easier for you to learn complex languages, but you can also start to anticipate your partner’s actions with it too. As a direct result, science says that many couples can finish each other’s sentences — and it’s all because their angular gyrus has gotten stronger as a result of them staying committed.
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After reading all of this, how could anyone possibly look at being in love casually? There are far too many intricate parts at work — yes, literally. Yeah, when Rihanna sang about having “love on the brain,” she said more than a mouthful…whether she realized it or not.
And if you declare that you are in love, make sure to factor in what your brain is going through. Then choose wisely. Even your brain and mental health depend on it. Also…literally.
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