While traveling is fun, flying can be a headache. One of the hardest things is figuring out what to pack, especially when airlines put so many restrictions on traveling with luggage. The worst for me is to put the luggage on the scale and find out that there will be an exorbitant charge because the bag is overweight. Because then I get to find myself in the middle of the airport trying to rearrange items between different bags so that all of them stay under the weight limit.

Luckily, I happily avoid all this nowadays by just bringing a carry-on. I’ve traveled quite extensively over these past couple of years and have only needed to check a bag once (only because I bought a bottle of wine as a souvenir). It’s taken me many trips to perfect the art of fitting everything I need in just one carry-on, but I now feel freer not having so much stuff with me. If you want to avoid high airline fees, take a look at these tips to pack light and only travel with a carry-on.
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being smart
Being a smart shopper is not always the easiest thing to do. With all the sales and promotions being thrown at you, especially with the holiday season just around the corner, it’s easy to cave in and make an impulsive buy. Retailers have tons of tricks up their sleeves to make you spend more money, so it’s important to stay alert in order to make the most of your money.

Not so long ago, I was the complete opposite of a smart shopper. I was impulsive and bought anything that was on sale or looked like a good deal. Needless to say, I wasted a lot of money. However, I’m now a reformed shopper and I’m much more careful about how I spend. Here are five rules I live by when it comes to shopping:
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reduce spending tips
Trying to trim expenses can seem like a never ending task, as new expenses always pop out of nowhere. With already tight budgets, the task of reducing spending can seem impossible. You’ve already cut out your morning latte and canceled your gym membership – what more can you do?

Lowering your expenses is definitely a daunting task. While you’ll have to make sacrifices and get a little creative, it definitely can be done without cramping your lifestyle too dramatically. Here are five of my favorites ways to easily lower your spending.
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credit card debt
Credit card debt is the worst. The super high interest rates make paying the debt off seem to take forever. When I got my first credit card, it took me more than a year to pay back the $1,500 I’d racked up.

Luckily, it’s extremely difficult but not impossible. I eventually dug myself out of a hole, and you can, too. This is true no matter the amount of debt you’re in. There are a few strategies that can help you pay down your credit card debt faster. But before we get to those, I need you to do one thing.
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It’s exciting to get a raise, especially if it’s bigger than you expected. That’s why it’s understandable and common that in the afterglow, many people rationalize an immediate increase in spending. Perhaps you’ve been waiting to purchase a new vehicle, have your eyes on a nicer place to stay, or just want to take a few more vacations. There’s nothing wrong with financial goals, but all too often, a modest pay increase gives us a false sense of security in overextending our finances. Before we realize it, we’ve already more than accounted for our increase in income, and besides a few new gadgets or perks that quickly lose their novelty, we’re no better off than we were before. This is what many term “lifestyle inflation,” and if you want to increase your net worth, it’s a pitfall to avoid.
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morning coffee
There have been many studies on the habits of rich and successful people. In most cases, those who are successful have distinct habits. Here are just a few of them you should consider adopting.

They Wake Up Early

I have listened to a lot of successful people share their top habits, and one of the most common ones is to wake up early. The days I wake up an hour or two before my children get up are my most successful and peaceful days. Waking up early allows you to have extra time for self-improvement tasks, such as working out, meditation, reading, as well as business tasks, such as freelancing. Waking up early is just bound to put you in a better mood because you won’t spend your day trying to catch up. Instead, you will feel ahead of the game. This alone can be the game changer you are longing for.
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