LPT: Use ballet tights instead of transparent tights Ballet tights are available in a lot of colours and skin tones. They are far softer and way more durable than normal transparent tights. I hate the feeling of transparent tights on my legs, they often fell rough or scratchy. Also when I use them they often get runs in them after wearing them a few times. But ballet tights are extremely comfortab…

LPT: Instead of saying “I know,” say “You’re right.” Saying “You’re right” can make conversations smoother and more positive. It shows acknowledgement and keeps the focus on the other person’s point, which can avoid sounding dismissive and help foster better communication. submitted by /u/ZoeMurray90

Am I over-saving for retirement instead of saving up a down payment? Title, basically. I’m a 42-year old single mom in an expensive city and I want to know if I’m socking too much away in illiquid, tax-advantaged accounts I won’t be able to touch for 20 years, and whether I’m being foolish to just enjoy my below-market rent while ignoring the chance to save up a down payment on a condo or townhouse? (Single-famil…

401k contribution instead of raise? I am financially illiterate so excuse my complete ignorance. I’ve got two situation I’d like advice on. At my current job, I have a 401k with a 3% employer match. I’m contributing 6% which is about what I can afford right now. We have profit sharing in the form of a 401k contribution. My boss today told me that they were also going to give me a…

LPT: Blackbird instead of beep…. I’m a diabetic and use a system on my phone to manage my insulin pump and blood sugar levels. Occasionally, the system sends me notifications about changes, such as high or low blood sugar levels. While these alerts are essential, they often blend in with the barrage of other notifications—text messages, emails, and even my morning alarm. To mai…

LPT: If you need to take notes for your job, use a pad of actual paper instead of your phone. There are tiny notebooks that will fit in your pocket if your work uniform has them. A fanny pack also works if you don’t have pockets or you need a slightly bigger notebook than will fit in your pocket. My job doesn’t have a rule against phones, but if you need to take notes fairly often, you may not want to be seen on your phone over and over …

Car needs $6000 in repairs, should I just save for a new car instead? So like I stated my car needs $6000 in repairs. It’s only a lot because one of the issues has to do with the timing belt and other timing components. I recently paid the car off in November and I haven’t done any major repairs on it since I got it, 3 years or so ago. I’d say in 3-4 years I probably spent 2k on repairs. I’m just at a loss. I pa…

Any point doing 60 month 0% instead of 72 0%? Title says most of it. But someone please help me if I’m missing something here. Financially I don’t see why I put $3-$5k extra down to force myself into a 60 month loan with payments I want to make when I could save that money and do a 72 month loan and just pay like $90ish more over the minimum 72 month payment and pay it off in 5 years. Both…

LPT: Purchase a set of welding gloves instead of pot holders As noted. More protection, durable, and easy. submitted by /u/trombonist2

What to Use Instead of the Tiny, Objectively Terrible Side of Your Box Grater The spiky side of a box grater hurts more than it helps.

Should I upgrade to a “real” camera instead of a pixel 7 for punk shows? I take photos for my local punk bands in the 719 area code. I am noticing that my other photographer friends can get media passes with their canon or Sony cameras. The main thing I wonder about upgrading, is would it fix this weird issue I get where half of the photo is flashed? Or is that an issue with catching the stage lighting at a weird ti…

LPT You can sell a leased vehicle instead of turning it in or financing. I’m not really sure how to explain this so I’ll provide my experience. I leased a 2018 Accord at ~$27k out the door with a ~$16k residual 36mo/36k miles. I drove it for about 2 and a half years and noticed that the car was actually still worth about $25k in mid-2020 (thanks COVID). My 10 day payoff quote was around $17k at this point. I had it …

LPT: When you need to remember a list of things, instead of trying to memorize the list, memorize the number of items on the list The hardest part of remembering a list of items is making sure you haven’t forgotten one of them completely, so here’s a way to make sure that doesn’t happen: For example, if you need apples, bananas and cantaloupe from the supermarket, just try and remember the number 3. That way when you’re walking to checkout with apples and bananas, you can …

LPT – If you’re a person who thinks about what to talk about on the way to a social setting, think about things to ask about instead I know some people rack their brains thinking about what to talk about when they’re meeting friends or colleagues or whatever, but it’s usually in the form of personal stories. It’s really a lot easier to just think about who you’re meeting, remember what they talked about last time and what’s happening in their life, and ask them questions abou…

Should I be using TIFF instead of RAW? Hobbyist photographer here! I want to save my unedited photos as backups as much as possible! Should I continue to save the untouched RAWs, or should I edit the raws to natural-looking colors and save them as TIFFs so I can save space and add my presets to them later if I want to edit them in the future? Is holding onto the TIFFs even worth the …

What are some musicians who had more success in other countries instead of their own? I kept thinking of Scatman John, who is American, and Vitas, who is Russian, and both were a lot more succesful in other countries than in their own homecountries. John was a very successful in Japan but not in the US, while Vitas was a very successful in China but not in Russia (coincidentally in these two cases both being East Asian countries …

LPT Place solarpanels east-west instead of south facing If you are planning to have solarpanels, place them facing east or west. The most electricity is used in the morning (when the sun is in the east) and late afternoon (when the sun is in the west). If you can sell your electricity: morning and evening are also the times when the kWh is most expensive. And, sometimes the panels facing south get to…

Retirement instead of mortgage? My wife and I (both 30) are under contract for our first house. I’m making an estimate on how much we have left after paying mortgage, our expenses (utilities, food, auto insurance, etc.), and setting aside a little bit of fun money (so we don’t go insane), and I’m estimating we will have about 1-2k/month left. We already have an emergency savin…

advance/spot pay instead of loan? been dealing with work insecurity the last two months and i’m considering taking out a loan to cover important bills. i have a ~650 credit and i’m struggling to get a loan. i don’t need much, just something to hold me over between jobs/before my first paycheck. would it be a good idea to take out small advances ($50-200) from multiple paycheck s…

Paying the mortgage every 2 weeks instead of monthly A number of years ago I wanted to pay the mortgage every 2 weeks instead of monthly since that was supposed to pay off the mortgage sooner. But the bank wanted me to pay a monthly fee for this privilege so I declined. Last week I was clicking on the bank’s web menus and came across an option to pay every 2 weeks or twice/month. That seemed to b…