LPT If you are involved in an accident with damages that fall under your state’s smal claims limits and the other party’s insurance is lowballing you. You are in control. Do not let them dictate, and do not accept payment that doesn’t meet your demands They will lowball you and try to sound official. They will say lots of things. They will send you a payment email, of ypu accept the terms and payment you are done. Tell them you will sue in small claims, they will ignore you. Pay the $100 and sue their insured for the full amount ypu think you are owed. Once their insured is served, you will …

LPT: The “Would I Pay Double?” Trick – A Game-Changer for Saving Money Before you buy anything (clothes, gadgets, random Amazon finds), ask yourself: Would I still want this if it cost twice as much? If the answer is yes, it’s probably worth it. If not, you’re just caught up in the moment. I started doing this, and it instantly filtered out so many impulse buys. Turns out, most of the stuff I thought I wanted wasn’…

LPT: The “Rewatch Test” – The Best Way to Tell If a Movie, Show, or Book Is Actually Worth Your Time If I knew I could never rewatch or reread this, would I still want to spend my time on it? This has completely changed how I pick what to watch or read. If something is only interesting because it’s new but I wouldn’t ever revisit it, I usually skip it. But if it’s something I know I’ll think about long after it’s over? That’s when I know it’s a…

lpt(Arrange the apps on your TV based on their monthly cost) Having the most expensive apps first helps you realize if there are apps you are playing too much for or do not need. If you are constantly scrolling past an app it might be time to switch to the ad supported plan or cancel the subscription altogether. submitted by /u/GuanacoHerd

LPT: (For Americans) You can find a complete employment history by logging into SSA.gov and checking out your Social Security history This can be useful if you need to provide long-term historical info for a background check or similar activity. I no longer have my old pay stubs, but SSA.gov has that info, as well as the EINs and official names for my former employers. Thanks to u/theaviator10 for providing the details I missed: “To see your employers select “review your full …

LPT: If you’re close with someone, get their parents phone number or an emergency contact number for them. Last night, I needed a phone number for a friend. I scoured the internet trying to find a way to get ahold of her. It was a domestic violence situation. After I found out she was safe, I got her mother’s phone number. Her mother has my number as well. If you have loved ones, get a contact number for someone they feel safe with. Also give your pa…

LPT AirBnB checkout When checking in to an Airbnb take pics or do a video of any stains on furniture, broken items, the cutlery drawer if it has a load of unmatching items, similarly the plates and glasses etc. When leaving, after having cleaned up, do a video and open every cupboard drawer and door. When they come and say you left the place filthy and glasses miss…

LPT: Deep Rug Cleaning I recently got a new puppy, and while she is nearly toilet trained, she still pees on the one rug. Cash strapped I can’t afford to get it cleaned. In a flash of brilliance, I took the rug, rolled it out onto the trampoline, covered in car wash shampoo, took the hose and sprayed while I jumped all over it. Today heavy rain is expected which is th…

LPT: If the WiFi login portal doesn’t pop up on public or hotel networks, enter the router’s gateway address from your WiFi settings into your browser to trigger it. If you’re on public or hotel WiFi, the portal website doesn’t pop up, you can go to your WiFi settings, select your WiFi, find your router or gateway address, by entering that in to you browser, you will be redirected to the terms and what ever portal. submitted by /u/Naeemarsalan

LPT: if you want to level up in life, master the art of staying calm. People who stay cool under pressure always come out on top. Staying calm isn’t about ignoring problems—it’s about controlling your reaction. When you stay cool, you think clearer, make better decisions, and keep people on your side. Most situations aren’t as bad as they seem in the moment, but panicking makes them worse. Try this: next time some…

LPT: Want to Remember More from Books? Use the Feynman Technique If you ever feel like you forget what you read too quickly, try the Feynman Technique—it forces you to truly absorb the material. Here’s how: After reading a chapter or article, explain the key points as if you’re teaching it to a 10-year-old. No fancy jargon, just simple words. If you struggle to break it down, that means you don’t fully unders…

LPT: Buy her flowers. Time for a first date? Buy her flowers. Mother’s Day? Flowers. Stupid couples fight? Flowers! Taking grandma to dinner? Floowwwwwers! I have NEVER bought a date flowers and not been laying later in my bed with my head spinning thinking “wowwww buying her flowers was such a good decision!” They’re relatively cheap, just like $6 for a bundle of p…

LPT: If you are nervous about how to talk to someone you have gotten date with, use toafraidtoask. Obviously you gotta start the interaction good. Like asking the superficial questions, and maybe that will lead into a deeper conversation. But if you are like me, and are happy to let the convo stall out. Look at r/tooafraidtoask, find an appropriate(

LPT: Set a Calendar Reminder for “Future You” to Check In on Goals and Habits One of the best ways to stay consistent with self-improvement is to set a recurring calendar reminder to check in with yourself. It’s easy to start a habit or a goal but hard to maintain it when life gets busy. For example, if you’re trying to save money, set a reminder every three months to review your spending habits. If you’re working on fitn…

LPT Dust fans with a pillowcase. Stretch the entire case over the blade and wipe the dust inside as you pull it back. This will prevent particles from raining down on you the next time you tackle this chore. submitted by /u/broc944

LPT Mindful/Low Spend 2025 Hello my lovelies! After a 2024 where I was spending more than I made, I decided to do a Mindful and Low Spend 2025. Here are some things I accomplished along the way, and my plans for the rest of the year that might be helpful to some of you! If you have any other tips, please share them as well! BUDGET TRACKING: This one is the biggest help so…

LPT: If your dog or cat runs away, here’s how to increase your chance of getting them back. Have your pet microchipped, register the microchip, and keep your contact information updated. Do this in advance. If your pet disappears one day, you’re much more likely to find them. In the United States, one-third of all cats and dogs will eventually go missing. Over 80% are never found. (Source.) This changes when pets are microchipped: Acc…

LPT: Don’t Be Afraid to Ask Customer Service for Compensation When a Service Fails You If you’re experiencing a delay or an issue with a service you’re paying for, always reach out to customer service and ask for compensation—you’d be surprised how often companies are willing to make it right. I do this a few times a year with Amazon. I’m a Prime member and also use their Subscribe & Save feature for household essentials. Every no…

LPT: Instead of focusing on someone’s efforts, praise them for the positive impact their work has had on you A lot of people who struggle to accept praise (due to shyness, low self-esteem, cultural emphasis on humility, etc) – tend to downplay their contributions as “no big deal”, “just doing what anyone would do”, and/or not as good as what others could do. So instead of focusing my praise on their efforts, which can always be downplayed or compared u…

LPT: If you need to clean something that’s small and intricate/textured, an electric toothbrush will make the job much easier. If you have a fancy toothbrush, you can buy cheap off-brand brush heads to use for cleaning one-offs. Otherwise, even the inexpensive, AA battery-powered brushes work great. submitted by /u/WartimeHotTot