Follow a Pareto Guide through Influence by Robert Cialdini. Get a quick introduction to concepts that impact you every day. The psychology of persuasion will teach you about automatic compliance and the triggers that cause it.
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Follow a Pareto Guide through The Automatic Millionaire by David Bach. Implementing these ideas will change your life forever. This book epitomizes 80/20 thinking and gives you the map to financial freedom.
I know someone who recently discovered they were broke. To the shock of everyone around them things were not as they seemed. The abundant lifestyle that was being kept up had not been met with equal income the last couple years. As a result debts stood in the place where savings were expected. The sad thing is this is a situation more common than many want to admit. I don't say that to diminish the seriousness of the issue. If you're in this position, you need to put your house in order. Keep a budget. Any budget is better than no budget. Whether you use cash in envelopes, a spreadsheet, or a fancy app keep a budget and keep yourself fiscally responsible. You open yourself to significant risk and lifelong impacts by spending more than you make. In it's most basic form a budget is simply this. Make sure the money coming to you is more than what you are spending.
I wanted to try a hair product so I purchased it at a local store. I used it twice before deciding that it just didn't work for me. Because I kept my receipt I was able to quickly return the used product for a full refund. This allowed me to try a product at no cost to me and return it easily. Often an official trial or sample is not available for a product. Get creative in testing a product before committing to it. One or two uses of the product gave me all the insight I needed. No amount of online research or asking others could give me that quick and complete insight.
I don’t get paid the overtime rate until I’ve recorded 40 hours of work. On a PTO or holiday week, that becomes a 50% loss on value for each OT hour worked below 40 hours. In some places (California) that could be a 100% loss or more on the overtime rate. If you shift the labor into prior or subsequent weeks you get a big boost in pay for the same hours. By not knowing the rules of the game you’re losing money.