Melissa Lambarena
Among the different ways to trick yourself into saving, money-saving challenges are some of the most engaging.
kAm%96J 42? 96=A J@F 766= 4@??64E65 E@ 7:?2?46D 3J C6BF:C:?8 7C6BF6?E 4964<\:?D 2?5 563F?<:?8 766=:?8D @7 :?256BF24J H96? :E 4@>6D E@ D2G:?8] u@C rC:DE:?2 qC@H?[ 2 D6=7\56D4C:365 D2G:?8D\492==6?86 56D:8?6C 2?5 7@F?56C @7 E96 3=@8 w2AAJ $2G:?8D r@[ >@?6J\D2G:?8 492==6?86D 96=A65 96C 8@ 7C@> DA6?5:?8 E@ D2G:?8]k^Am
kAm“x C64@8?:K65 E96 ?665 E@ D2G6 >@?6J[ 2?5 x E9@F89E E92E E9:D H@F=5 36 2 8@@5 H2J E@ <:?5 @7 82>:7J :E[” qC@H? D2JD]k^Am
kAmx7 D2G:?8 7@C E@>@CC@H D66>D @FE @7 C6249[ E96 C:89E >@?6J 492==6?86 42? 86?6C2E6 6I4:E6>6?E[ AFD9 4@>A6E:E:G6 3FEE@?D 2?5 A@E6?E:2==J :?4C62D6 D2G:?8D]k^Am
People are also reading…
- Iowa State AD Jamie Pollard addresses women's basketball transfers, Bill Fennelly's future
- 12-year-old arrested in death of classmate who was hit in the head by a metal water bottle
- What Iowa State's Milan Momcilovic said about future after Tennessee game
- Report: Iowa State fan-favorite Cade Kelderman enters transfer portal
- A year after Trump's DOGE cuts, workers whose lives were upended question what was saved
- Yes, the pros get nervous, too. Here's how Stephen Curry and others deal with it
- What Iowa State star Addy Brown said in transfer portal announcement
- Spring Football Notebook: Is Kirk Ferentz concerned about Iowa’s special teams after offseason exodus?
- Concerns over a Nebraska hospital show how a $50B rural health fund falls short
- ICE arrested over 800 people after tips from US airport security agency
- Freshman Freya Jensen changes mind on transfer portal, returning to Iowa State
- Iowa men's basketball lands commitment from 2026 Iowa Mr. Basketball
- What to Stream: Sydney Sweeney, 'Malcolm in the Middle,' Jonah Hill, 'Hacks' and Ella Langley
- Outer space conditions hamper sperm's ability to navigate toward an egg
- ‘Stay Low, Shoot High’: How Taylor McCabe trusted the process, transformed herself into the player Iowa needed
k9am':C2= 492==6?86D E92E 42? 255 FAk^9am
kAmq67@C6 DE2CE:?8 2 D2G:?8D 492==6?86[ k2 9C67lQ9EEADi^^HHH]?6C5H2==6E]4@>^2CE:4=6^7:?2?46^9@H\E@\3F586EnFE>042>A2:8?l4E0AC@5U2>AjFE>04@?E6?El``c_f`bU2>AjFE>0>65:F>lCDDU2>AjFE>0D@FC46lDJ?5:42E:@?U2>AjFE>0E6C>l=66Q E2C86ElQ0D6=7Q C6=lQ?@7@==@H ?@@A6?6CQmC6G:6H J@FC 3F586Ek^2m E@ EC:> F??646DD2CJ 6IA6?D6D] %96 2>@F?E @7 3C62E9:?8 C@@> :? J@FC 3F586E H:== 56E6C>:?6 E96 =6G6= @7 5:77:4F=EJ E92E’D A@DD:3=6 7@C 2 492==6?86]k^Am
kAmpDD:8?:?8 2 8@2= E@ 2 492==6?86 >2J 2=D@ <66A J@F >@E:G2E65 2?5 4@?D:DE6?E[ H96E96C :E 36 D2G:?8 7@C 2? k2 9C67lQ9EEADi^^HHH]?6C5H2==6E]4@>^2CE:4=6^32?<:?8^D2G:?8D^6>6C86?4J\7F?5\H9J\:E\>2EE6CDnFE>042>A2:8?l4E0AC@5U2>AjFE>04@?E6?El``c_f`bU2>AjFE>0>65:F>lCDDU2>AjFE>0D@FC46lDJ?5:42E:@?U2>AjFE>0E6C>l=66Q E2C86ElQ0D6=7Q C6=lQ?@7@==@H ?@@A6?6CQm6>6C86?4J 7F?5k^2m[ 2 G242E:@? @C D@>6E9:?8 6=D6]k^Am
kAmp 76H A@AF=2C 492==6?86D E@ 4@?D:56C :?4=F56ik^Am
k9bmz66A E96 492?86 492==6?86Dk^9bm
kAmq68:??6C\7C:6?5=J S` 2?5 Sd D2G:?8D 492==6?86D 2==@H 7@C A2DD:G6 D2G:?8[ H9:49 E2<6D =6DD 677@CE 2?5 25@AED 2? @FE\@7\D:89E 2AAC@249] u@C 2 56D:8?2E65 2>@F?E @7 E:>6[ 3@E9 492==6?86D :?G@=G6 AFEE:?8 2D:56 56?@>:?2E:@?D @7 E96D6 3:==D E92E 2C6 =67E @G6C 7C@> 42D9 EC2?D24E:@?D]k^Am
kAmtK6<:6= (2:D6=[ 2 46CE:7:65 7:?2?4:2= A=2??6C 2E $w! u:?2?4:2=[ 2 7:?2?4:2= A=2??:?8 7:C>[ EC:65 E96 Sd 492==6?86 :? a_`e 2?5 D2G65 23@FE Sb__ :? 2 J62C 7@C 2 C@F?5\EC:A 7=:89E] “x 5@?’E FD6 2 =@E @7 42D9[ D@ E96 724E E92E x 6G6? D2G65 E92E >F49 H2D AC6EEJ DFCAC:D:?8 E@ >6[” 96 D2JD]k^Am
k9bm%96 da\H66< 492==6?86k^9bm
kAm%9:D 492==6?86 9:<6D FA E96 D2G:?8D 3J S` H66<=J 2?5 C6BF:C6D J@F E@ 24E:G6=J k2 9C67lQ9EEADi^^HHH]?6C5H2==6E]4@>^2CE:4=6^7:?2?46^3F586E:?8\E:ADnFE>042>A2:8?l4E0AC@5U2>AjFE>04@?E6?El``c_f`bU2>AjFE>0>65:F>lCDDU2>AjFE>0D@FC46lDJ?5:42E:@?U2>AjFE>0E6C>l=66Q E2C86ElQ0D6=7Q C6=lQ?@7@==@H ?@@A6?6CQmD2G6 3J 3F586E:?8k^2m 7@C 6249 H66<] x? E96 7:CDE H66< J@F D2G6 S`[ :? E96 D64@?5 H66< Sa[ 2?5 D@ @? F?E:= E96 da?5 H66<] %96 492==6?86 42? 2=D@ 36 C6G6CD65 E@ DE2CE D2G:?8 Sda :? E96 7:CDE H66< 2?5 H@C< 5@H?H2C5[ 2D :D qC@H?’D AC676C6?46 :? a_aa] t:E96C H2J[ E96 492==6?86 42? D2G6 S`[bfg :? 2 J62C[ 6?@F89 E@ 4@G6C 2? 6>6C86?4J @C 2 =2C86 AFC492D6]k^Am
kAm“pE E96 6?5 @7 E96 J62C H:E9 9@=:52JD — 6G6? H:E9 2== @7 @FC 36DE 677@CED @7 D6EE:?8 FA D:?<:?8 7F?5D 7@C E96 9@=:52JD 2?5 DEF77 =:<6 E92E — E9:?8D 42? DE:== 86E AC6EEJ E:89E[ D@ x C6G6CD65 E96 @C56C E@ D2G6 E96 3:886C 2>@F?ED 2E E96 368:??:?8 @7 E96 J62C[” D2JD qC@H?] p D:?<:?8 7F?5 9@=5D >@?6J E92EVD 62C>2C<65 7@C 2 DA64:7:4 8@2= @C 6IA6?D6]k^Am
k9bm%96 `__ 6?G6=@A6 492==6?86k^9bm
kAm%9:D A@E6?E:2==J =F4C2E:G6 2?5 5:77:4F=E >@?6J\D2G:?8 492==6?86 C6BF:C6D ?F>36C:?8 `__ 6?G6=@A6D 7C@> @?6 E@ `__[ D9F77=:?8 E96> 2?5 5C2H:?8 @?6 C2?5@>=J 6G6CJ 52J] %96 ?F>36C @? E96 6?G6=@A6 5C2H? 56E6C>:?6D E96 2>@F?E @7 42D9 E92E >FDE 36 D2G65] sC2H:?8 9:89 ?F>36CD 4@?D64FE:G6=J 42? AC@G6 5:77:4F=E[ D@ E9:D 492==6?86 :D :562= 7@C E9@D6 H:E9 >@C6 42D9 7=@H] x7 4@>A=6E65[ :E D2G6D FA E@ Sd[_d_[ 3FE 5@?’E 9@=5 >@?6J :? 6?G6=@A6D E@@ =@?8] z66A :E D276 3J 56D:8?2E:?8 2 52J 6G6CJ @E96C H66< @C >@?E9=J E@ 56A@D:E D2G:?8D :?E@ 2 k2 9C67lQ9EEADi^^HHH]?6C5H2==6E]4@>^2CE:4=6^32?<:?8^2C6\J@F\D2G:?8\>@?6J\:?\E96\C:89E\A=246nFE>042>A2:8?l4E0AC@5U2>AjFE>04@?E6?El``c_f`bU2>AjFE>0>65:F>lCDDU2>AjFE>0D@FC46lDJ?5:42E:@?U2>AjFE>0E6C>l=66Q E2C86ElQ0D6=7Q C6=lQ?@7@==@H ?@@A6?6CQm9:89\:?E6C6DE 32?< 244@F?Ek^2m]k^Am
k9bm%96 H62E96C (65?6D52J 492==6?86k^9bm
kAmu@C E9C:==\D66<6CD H:E9 6?@F89 42D9 7=@H[ E9:D 492==6?86 42? @776C 3:8 D2G:?8D H:E9 =6DD AC65:4E23:=:EJ] ~? 6G6CJ (65?6D52J[ 7@C 2 J62C[ D2G6 42D9 @C >2<6 2 56A@D:E :?E@ 2 D2G:?8D 244@F?E 32D65 @? E96 E6>A6C2EFC6 :? J@FC 4:EJ] x7 :E’D d_ 568C66D[ 7@C :?DE2?46[ D2G6 Sd_] %96 492==6?86 86ED 92C56C 2D :E 86ED H2C>6C[ D@ :E’D 36DE E@ DE2CE :? E96 H:?E6C H96? :E’D >@C6 >2?28623=6]k^Am
k9bm}@ DA6?5 492==6?86k^9bm
kAmxE’D 2D DEC2:89E7@CH2C5 2D :E D@F?5Di *@F 4@>>:E E@ @?=J DA6?5 @? 6DD6?E:2=D @G6C 2 46CE2:? A6C:@5 E@ D2G6 3:8] $@>6 A6@A=6 6G6? 4=62? @FE E96:C A2?EC:6D E@ =@H6C E96:C 8C@46CJ 3:==D] %96 =6G6= @7 5:77:4F=EJ :D DF3;64E:G6 7@C E9:D 492==6?86[ 3FE :E’D =:<6=J >@C6 DFDE2:?23=6 @G6C 2 D9@CE E6C>]k^Am
k9bmrFDE@>:K6 J@FC @H? 492==6?86k^9bm
kAm|@5:7J 2 A@AF=2C 492==6?86 E@ 7:E J@FC ?665D 3J D9@CE6?:?8 @C 6IE6?5:?8 5625=:?6D @C E96 4256?46 @7 D2G:?8] u@C :?DE2?46[ J@F 4@F=5 DEC6E49 E96 `__ 6?G6=@A6 492==6?86 @G6C `__ H66<D W23@FE a J62CDX :?DE625 @7 52JD[ :7 E92E’D >@C6 249:6G23=6] qC@H? 2=D@ 4C62E6D 96C @H? 492==6?86D] x? @?6 DF49 492==6?86[ D96 D66<D 5:D4@F?ED 2E E96 8C@46CJ DE@C6 E@ DE2D9 D2G:?8D 7@C 7FEFC6 8@2=D] $96 D2JD D96 D2G65 2 E@E2= @7 Sb[de_]dg :? a_a` 3J ;F88=:?8 >F=E:A=6 492==6?86D 6249 >@?E9]k^Am
k9am{62C? H92E >@E:G2E6D J@Fk^9am
kAm|2DE6C:?8 2 D2G:?8D 492==6?86 :?G@=G6D F?56CDE2?5:?8 J@FC >@E:G2E:@?D] r@?D:56C H96E96C J@F’C6 >@E:G2E65 3J 3:8 @C D>2== 56A@D:ED[ C2?5@>?6DD @C AC65:4E23:=:EJ[ 42D9 @C 6=64EC@?:4 56A@D:ED[ @C 24E:G6 G6CDFD A2DD:G6 D2G:?8] x7 J@F’C6 F?DFC6[ ECJ 2 76H >@?6J\D2G:?8 492==6?86D E@ =62C? H92E H@C<D] !2DD:G6 D2G:?8D 492==6?86D =:<6 <66A E96 492?86 42? =2J 2 D@=:5 7@F?52E:@? 7@C 3:886C 492==6?86D 2?5 D2G:?8D]k^Am
kAm“x E9:?< A2DD:G6 :D 2 8C62E DE2CE:?8 A@:?E[ 2?5 @?46 J@F 86E 4@>7@CE23=6 2?5 4@?D:DE6?E H:E9 A2DD:G6 D2G:?8[ J@F 42? E96? 255 @C DH:E49 E@ 2? 24E:G6 D2G:?8D >@56=[” (2:D6= D2JD]k^Am
kAmu:?5:?8 E96 C:89E 492==6?86 >2J C6BF:C6 EC:2= 2?5 6CC@C[ 3FE 6G6? 2D J@F 6IA6C:>6?E J@F’== =:<6=J D2G6 >@?6J :? E96 AC@46DD]k^Am
kAmk6>m%9:D 2CE:4=6 H2D HC:EE6? 3J }6C5(2==6E 2?5 H2D @C:8:?2==J AF3=:D965 3J %96 pDD@4:2E65 !C6DD]k^6>mk^Am
k5:G 4=2DDlQ?H\>@C6\7C@>\?6C5H2==6EQ 52E2\?H\4@>A@?6?E\EJA6\?2>6lQ|@C6 uC@> }6C5(2==6EQ 52E2\?H\4@>A@?6?E\EJA6\D=F8lQ?H0>@C607C@>0?6C5H2==6EQmkAmkDEC@?8m|@C6 uC@> }6C5(2==6Ek^DEC@?8mk^AmkF=mk=:mk2 9C67lQ9EEADi^^HHH]?6C5H2==6E]4@>^2CE:4=6^4C65:E\42C5D^9@H\@?6\:?4@>6\4@FA=6D\42?\C6>2:?\6BF2=DnFE>042>A2:8?l4E0AC@5U2>AjFE>0D@FC46lDJ?5:42E:@?U2>AjFE>0>65:F>lCDDU2>AjFE>0E6C>l=66U2>AjFE>04@?E6?El``c_f`bQ E:E=6lQw@H ~?6\x?4@>6 r@FA=6D r2? #6>2:? tBF2=DQ E2C86ElQ0D6=7Q 4=2DDlQ?H\=:?<Q C6=lQ?@7@==@H ?@@A6?6CQ 52E2\?H\4@>A@?6?E\EJA6\?2>6lQ{:?<Q 52E2\?H\4@>A@?6?E\EJA6\D=F8lQ?H0=:?<Q 52E2\?H\EC24<\4=:4<lQ`Q 52E2\?H\EC24<\:>AC6DD:@?lQ`Qmw@H ~?6\x?4@>6 r@FA=6D r2? #6>2:? tBF2=Dk^2mk^=:mk=:mk2 9C67lQ9EEADi^^HHH]?6C5H2==6E]4@>^2CE:4=6^4C65:E\42C5D^>@?6J\C65\7=28D\42?\>2<6\@C\3C62<\2\4@FA=6nFE>042>A2:8?l4E0AC@5U2>AjFE>0D@FC46lDJ?5:42E:@?U2>AjFE>0>65:F>lCDDU2>AjFE>0E6C>l=66U2>AjFE>04@?E6?El``c_f`bQ E:E=6lQ|@?6J #65 u=28D r2? |2<6 @C qC62< 2 r@FA=6Q E2C86ElQ0D6=7Q 4=2DDlQ?H\=:?<Q C6=lQ?@7@==@H ?@@A6?6CQ 52E2\?H\4@>A@?6?E\EJA6\?2>6lQ{:?<Q 52E2\?H\4@>A@?6?E\EJA6\D=F8lQ?H0=:?<Q 52E2\?H\EC24<\4=:4<lQ`Q 52E2\?H\EC24<\:>AC6DD:@?lQ`Qm|@?6J #65 u=28D r2? |2<6 @C qC62< 2 r@FA=6k^2mk^=:mk=:mk2 9C67lQ9EEADi^^HHH]?6C5H2==6E]4@>^2CE:4=6^4C65:E\42C5D^H9J\4C65:E\42C5D\2C6\492C8:?8\29625\H:E9\6G\C6=2E65\C6H2C5DnFE>042>A2:8?l4E0AC@5U2>AjFE>0D@FC46lDJ?5:42E:@?U2>AjFE>0>65:F>lCDDU2>AjFE>0E6C>l=66U2>AjFE>04@?E6?El``c_f`bQ E:E=6lQrC65:E r2C5D r92C86 p9625 (:E9 #6H2C5D 7@C sC:G:?8 t=64EC:4Q E2C86ElQ0D6=7Q 4=2DDlQ?H\=:?<Q C6=lQ?@7@==@H ?@@A6?6CQ 52E2\?H\4@>A@?6?E\EJA6\?2>6lQ{:?<Q 52E2\?H\4@>A@?6?E\EJA6\D=F8lQ?H0=:?<Q 52E2\?H\EC24<\4=:4<lQ`Q 52E2\?H\EC24<\:>AC6DD:@?lQ`QmrC65:E r2C5D r92C86 p9625 (:E9 #6H2C5D 7@C sC:G:?8 t=64EC:4k^2mk^=:mk^F=mk^5:Gm
k5:G 4=2DDlQ?H\2FE9@C\3@I\HAQ 52E2\?H\4@>A@?6?E\EJA6\?2>6lQpFE9@C q@I \ (!Q 52E2\?H\4@>A@?6?E\EJA6\D=F8lQ?H02FE9@C03@I0HAQmk5:G 4=2DDlQ?H\2FE9@C\3@I\HA\\:??6CQmk2D:56 :E6>AC@AlQ2FE9@CQ :E6>EJA6lQ9EEAi^^D496>2]@C8^!6CD@?Q 4=2DDlQ?H\2FE9@C\3@IQ 52E2\?H\4@>A@?6?E\EJA6\?2>6lQpFE9@C q@IQ 52E2\?H\4@>A@?6?E\EJA6\D=F8lQ?H02FE9@C03@IQmkAm|6=:DD2 {2>32C6?2 HC:E6D 7@C }6C5(2==6E] t>2:=i k2 9C67lQ>2:=E@i>=2>32C6?2o?6C5H2==6E]4@>Qm>=2>32C6?2o?6C5H2==6E]4@>k^2m] %H:EE6Ci o{:DD2{2>32C6?2]k^Amk^2D:56mk^5:Gmk^5:Gm
kA 4=2DDlQ?H\@C:8:?2==J\A@DE65\=:?<Qm%96 2CE:4=6 ':C2= $2G:?8D r92==6?86D %92E !2J ~77 @C:8:?2==J 2AA62C65 @? }6C5(2==6E]k^Am
