Where can I reduce necessary expenses? Rent and utilities: around $1100. Groceries: $400 set budget – only spent around $90 so far in February Car insurance: $70 to $80. Fluctuates. Gas: $60 to $75. Work from home twice a week now which will reduce spending. Misc: $75 to $110. Lyft. Haircut. Car wash. Amazon prime subscription ($15). Essential things like laundry pods. submitt…

How to Update Your Bathroom to Reduce the Risk of Mold You can reduce—or even eliminate—the chances of mold in your bathroom with some design choices.

How to reduce or remove reflection? submitted by /u/Crum222

What can be used to reduce MAGI I know 401k and HSA contributions reduce MAGI. I haven’t been able to find definite answers on if the health insurance premiums I pay for my employer sponsored plan do. Do pension contributions reduce my MAGI? What about half of self employment taxes? I’ve tried using MAGI calculators but they list a bunch of possibilities but also have “other” …

How to not reduce quality while exporting? I want to know how to add white borders to an image along with the watermark without reducing the original quality, specifically on android. I just exported an image from lightroom which was 9MB in size, turned into 2MB after white border and in KBs after i added the watermark 💀 I would appreciate if someone helped me out here! submitted by …

Laid off, should I reduce 401k contributions? Laid off yesterday and severance includes salary until Feb 1. Should I reduce my 401k to zero or by another amount? Early 40s and have about $450k for retirement. Work in tech and concerned job search may take a while. Have a mortgage, no kids/pets, senior parent lives with me. Edit: thank you all for the speedy advice! This thought just popped …

What would happen if you reduce your taxable income to “0$”? Ive saved up enough money to pay myself for a year. If I were to contribute 100% of my paycheck towards my 401k, would this: Reduce my taxable income to $0? Increase my tax refund? I can’t remember specifically, but I’m sure there’s a tax form showing your contributions which would prevent me from signing up for food stamps, or something simil…

Reduce Shine after BB Cream I found a BB cream I love. It blurs and has great coverage. Only issue is the finish is a little shiny. I’m in my 40 with textured skin. Powders bring out the texture even more. Is there something else I can apply over my BB cream to reduce the shine? submitted by /u/Able-Thought-1396

What savings bucket should we reduce? My husband and I bought a house (we’re both 35). This was a big goal for us given we are living in a tiny place and we have an active toddler now. Saved a lot and got something we are extremely happy with. However, when planning for this the rates were not this high. With the current rates we will have payments $500 above what we had budgeted ev…

Is it worth selling my car to reduce my debt ? Current car , KBV 16k , owe 5.8K at 165 a month 1.9% APR. 2018 hyundai Kona. Other debt payments, student loan 25k, 225 a month at 4.5% I would buy a used ford with 110k miles for 3.5k Current savings 30k retirement 10k cash for house fund some day Emergency fund 1000 Income 115k Age 27 I’m building my emergency fund and putting about 40% away …

LPT: How to reduce phone usage My productivity is really low due to intense phone usage. I realized that I spend too much time on social media, especially on tiktok. I try to reduce this by keeping the phone away, but it has been difficult. What are some of the tips/tricks that helped you reduce phone usage? submitted by /u/waifuu_baddie

LPT: Best way to reduce snoring Tried sleeping on my side and nose strips but they don’t work that well for me. submitted by /u/zevecka

LPT Request: How do I reduce screen time? I have tried many methods to limit my screen time but in vain. I have a PC, iPad and my phone(which I take to the bathroom everytime). I am addicted to it and it has severely affected my sleep and productivity since the last couple of months. Can you please suggest a few effective ways of how you overcame this addiction? submitted by /u/k…

Budgeting Software/Ways to reduce tax liability? So I recently (last week) withdrew from a previous employer 401K in order to pay off 3 high interest student loans. I had tried to refinance them (multiple times) to no avail. I did the math and the interest I would have paid over the life of the loans would have been more than the tax penalty. I had around 45% of the withdrawal amount held, 35%…

Sleep well — and reduce your risk of dementia and death Although it has been known for some time that individuals with dementia frequently have poor, fragmented sleep, two new studies suggest that if you don’t get enough sleep in midlife, you are at increased risk for dementia later in life. The post Sleep well — and reduce your risk of dementia and death appeared first on Harvard Health Blog.