LPT: Open a separate savings account for specific goals. Keeping your savings in a dedicated account helps you stay focused, track progress, and avoid accidentally spending it. Many financial institutions let you nickname accounts, making it even easier to stay motivated! That’s right, you can open more accounts! Most without additional charges, especially credit unions. Most of the time you can set it up online, or just as the tellers. submitted by /u/Alchemist_Joshua

LPT take a video of your car’s condition now, and when you get new insurance even when signing up for a new policy, they don’t ask you to film or photograph your car’s current condition. I just got off the phone with my insurance company and they are trying to deny a claim that happened because they don’t have any photographs or video proving that the damage happened during the insurance coverage period. submitted b…

LPT if you can’t think of a gift for your partner, here is a budget friendly and impactful gift idea go to your photos, create a folder “favourites to print” put all the best pics you can find in there, go to somewhere you can print them out on a machine (we have them in our supermarkets) cheaply, then go buy a photo album that will hold however many photos you printed off. i just did this for my wife who can never tell me anything she wants……

LPT: Keep a ‘replacements’ bag in your car for small emergencies I started keeping a small drawstring bag in my trunk with backup essentials: socks, a toothbrush, a phone charger, a tiny first-aid kit, and a small blanket. It has saved me (and a few friends) multiple times when unexpected travel or minor emergencies popped up. Having a mini “just in case” kit can turn a potential disaster into a mild inconven…

LPT Spare traditional metal car key won’t work when you try to open car door? Try rapidly and gently jiggling the key when it is fully inserted into your car’s exterior door lock. This works on metal car keys. The tumblers inside the lock may activate and allow you to twist the metal key and open your car door. Don’t give up! This does not apply to electronic key fobs, of course. submitted by /u/smithy- …

Lpt for helping to heat your home more efficiently. it’s been well covered in the comments now that this isn’t wise so you can stop commenting the same thing everyone else is that it’ll stress the system. I’m aware now. Magnets are off. Go on about your day. I have a house heated by an oil burning furnace. I have several rooms that go unused in my house and it always annoyed me even with the vent…

LPT: gift adult children with childhood favorites. LPT: if you have young children buy 2 of whatever their favorite toys are. Then, gift it to them when they are adults.. 30/40yo. submitted by /u/aijia185

LPT: Not every gift requires a surprise element. Sometimes you can buy a gift with the person you intend to give it to. submitted by /u/InterestedHandbag

LPT: Twist your wallet in your the lining of your pocket while traveling to keep it safe Been traveling recently and worried about pickpockets. Realized if I twist the inner lining of my pocket around my wallet it makes it stay snug against my leg, and much harder to slide out! Not universal, but could be helpful to some! submitted by /u/anshul7e7

LPT: For God’s sake, keep a plunger in your guest bathroom(s). Visiting family out of town right now and they do not have a plunger in the guest bathroom. I take extraordinarily large boo boos, and often need some assistance sending them to their watery grave. I don’t want to talk about it. It is what it is. No fucking way am I going to make doody in their home and risk asking them if they have a plunger, …

LPT: when thanking someone in person, always look in their eyes, speak clearly and loudly, specify what you are thanking them for, and say their name if you know it personal recognition makes a huge difference, and you will be remembered for it. shaking hands with equal strength is also a huge factor in memory recall. submitted by /u/kittenconfidential

LPT: Have a spray bottle filled with drinking water in your kitchen near your microwave. Food tastes much better if you spray some on top of it before reheating it Microwave oven works by exciting and vibrating water molecules in your food. If your food feels dry after reheating it in the microwave (rice for example), try spraying some water on top of it. It will retain moisture that way and will taste much better submitted by /u/wicke_s

LPT: You can find a ConsumerReports password using a Google search of public libraries. Many public libraries post ConsumerReports credentials for free online or make it available with your library card. For example, if you live in Albuquerque, New Mexico, you can Google “consumer reports login albuquerque library”. Or if your local library doesn’t have access to ConsumerReports, you can Google “consumer reports login password pub…

LPT: The 2 most important things you need when wrapping presents are patience, and the right amount of wrapping paper for each present. submitted by /u/chongdog

LPT Create an email account for your baby the moment you know his/her name so that family can send messages to it on special occasions: in 10-15 years it will be a goldmine of precious memories. We have this tradition in our family and I recommend it 100%. I did it for my soon-to-be-born daughter 😊 Also, you will have reserved an address that 99% won’t be available when he/she is old enough to need one. submitted by /u/thepoet82

LPT for cooked eggs at work Fill a water kettle with cold water. Put a raw egg or two in there too, careful not to crack the shell, and make sure water is fully covering. Turn the kettle on, let it boil, turn it off immediately, walk away for a while. After some time, fish out the eggs and place under cold running water. Crack it open and peel off the shell for a freshly c…

LPT: Do something for the first time here and there The first time seeing the world. The first time saying a word. The first time touching the grass. The first time looking through glass. The first kiss under a tree. The first view along the sea. The first gift you didn’t see… …coming: a hug, a cat, a little note from your friend. Life is so much more worth living when we sometimes become a c…

LPT: Buy colored valve stem caps for your tires if they’re constantly getting stolen. This might be super specific but I noticed I was always missing the valve stem cap off my tires every now and then. I don’t know if people tend to steal them when they realize they’re missing one but I ended up buying bright red caps (which match my brake calipers) and lo and behold, never lost any again. I think people are scared to steal somet…

LPT just use salted butter when baking things to enhance the flavors and not have to add salt in the recipe Works great for cookies and brownies submitted by /u/LivinMyAuthenticLife

LPT: art supply stores are awesome for gift shopping A lot of people have a little creative streak – real or potential – so art supplies play right into that. Art stores also have great crafting sections and creative “stocking stuffer” type gifts. And if the gift doesn’t hit the mark they make excellent regifting fodder. submitted by /u/MonneyTreez