Life
Extraordinary Money Hacks So You Can Save For Your Dream.
I’ve had several times in my life with almost no money. During these times, I learned a few money hacks. It’s cool how having no money can actually teach you so much.
It’s not about being a tight ass either. Money is about understanding what business does to take money out of your pocket and it’s also a journey in understanding temptation.
Why save money?
Saving money is how you fund your dream. No matter what you want to achieve, you need to have some money put aside to make it happen. Having a small amount of money saved can do the following:
1. Help you deal with emergencies
2. Give you surplus cash to put towards your dream
3. Make you less stressed
4. Allow you to take a break
Here are the money hacks I’ve learned from going through hard times:
Rethink subscriptions.
Recurring revenue is the best source of income for your business. On the flipside, subscriptions will make you broke. The whole subscription model is designed to take advantage of you being lazy. Most of the subscriptions you have, you don’t need.
I find that one time purchases for things I don’t use a lot is actually better. Make a note of all of your subscriptions and then cull as many as you can.
Books instead of Netflix and movies.
Netflix and movies can use up your capital and they generally give you nothing. Replace these two media forms for books. Books are cheaper in the long run and if you focus on reading biographies and books that provide real strategies, you’ll become smarter too.
Go to the supermarket instead of the shopping mall.
Walking into a giant shopping center with all of your favorite brands is a disaster. You’re guaranteed to buy stuff you don’t need and temptation is likely to take over. The only shopping you have to do every week is your grocery shopping.
Visit the supermarket that’s not in a shopping mall and then you’ll be focused on buying things to fill your stomach, instead of your wardrobe.
People won’t remember what you’re wearing.
There’s this myth that we have to wear something new all of the time. The harsh reality is that most people won’t remember what you’re wearing anyway because they’re so focused on their own appearance and problems.
None of us need as many clothes as we have. Culling the size of your wardrobe will save you lots of money.
Buying petrol.
There are cheap times to get petrol and expensive times to get petrol. In my area, I find that every four weeks, petrol is cheaper than the other weeks. So, being smart about when you fill up can save you lots of money. Obviously, aim for the times when petrol is low.
Going out to restaurants.
Those of us who have worked in restaurants know that most of the profit is made on drinks, not the food. Most of the drinks you buy when you’re out for dinner are not good for you. The only real liquid you need is water. So, when going to restaurants, skip the drinks and focus on the food.
Getting around.
Driving everywhere is expensive. Try sharing an Uber with friends or taking public transport.
Parking is expensive and most of the time the car takes longer.
Use the frequent car trips you make to have someone else do the driving and then download some podcasts so you can educate yourself.
Car servicing.
This whole industry is a bit of a scam. The idea is to make you think that everything needs to be consistently maintained and replaced otherwise you’ll end up lost in the desert with no way home, and you may even die of starvation.
The only two things you must do on a car every year is changing the oil and the oil filter. Watch some Youtube videos on when to change your tires and brakes because most mechanic shops will tell you that you need to change them when you don’t.
Credit cards.
They’re evil. You don’t need the reward points and the benefits of not having one are far greater. Get a debit card instead. Credit cards give you a false sense of your true financial position. You will mess up. That’s how the credit card game is designed.
Book holidays in advance.
We all need to take a break at least a few times a year. The cheapest way to do this is to book in advance. Plan when your holidays are going to be and then book them, so you get more choice, and more chances to spot a deal.
I’ve recently used Airbnb a lot more and that’s halved my accommodation costs. The only challenge with the platform is that the good properties sell out early so you must book in advance.
Also, consider whether you are going to stay local or go overseas. In my country, it’s cheaper to go overseas than it is to travel within Australia.
Don’t join mailing lists for deals.
An IT guy told me the other day to sign up for all of the retailers mailing lists because then I will see more deals. This is the worst advice ever! These mailing lists will make you develop a habit of making impulse purchases and looking for things you don’t need.
“You don’t need access to more deals; what you need is to spend less and avoid temptation”
Let loose one day a month.
If you’re a scrooge every day of the week, you’ll get tired of it and eventually quit. The best way to be good with money is to have one day a month where you can let loose a bit and indulge on one or two things. Just don’t undo all of your hard work by going out of control.
Donate or volunteer.
Puts your BS money problems into perspective. The best way I’ve found to save money towards my dream is to meet people who have nothing.
“Once you put your finances into perspective by being around the homeless and people that are going through terrible tragedies, you’ll know why you are saving in the first place”
More importantly, being exposed to people in rough places will make you want to give some money away. This charitable act will make you a better person which is far more important than how much money you have.
***Final Thought***
So that’s what I did folks when I had no money. That’s how I saved money towards my dream which I’m now living.
Be smarter with your money.
Save for your dream.
Be a good human and give money or time to people who need your help.
If you want to increase your productivity and learn some more valuable life hacks, then join my private mailing list on timdenning.net
Life
The Rideshare Crash Checklist: What to Do, Save, and Ask After a Collision
A crash involving an Uber or Lyft can leave everyone involved unsure of what comes next. Passengers, rideshare drivers, occupants of other vehicles, pedestrians, and cyclists may all need to deal with medical concerns, police reports, digital trip records, and multiple insurance companies. For Colorado-specific information about handling a Colorado Uber accident claim, Conduit Law publishes guidance on rideshare injury matters involving app-status evidence, layered insurance coverage, and claims involving passengers, drivers, pedestrians, and motorists throughout Denver and surrounding Colorado communities.
The first priority is always safety, not paperwork. Once immediate danger has passed, a calm checklist can help preserve information that may be difficult to recover later, especially when the crash happened during a trip, near a pickup location, or while a driver was waiting for a ride request.
The First Few Minutes: Get to a Safe Location
Call 911 if anyone may be injured, vehicles block traffic, there is a fire risk, or the scene is unsafe. Move safely out of travel lanes and use hazard lights. Don’t move injured persons unless there’s immediate danger, such as a fire or approaching traffic. Follow police, firefighters, and medical responders. This is especially important in crowded pickup zones, on highways, at airports, and in poor weather or low light. In Denver, airport traffic, snow, construction, and busy curb areas make scenes more complex.
Get Medical Care Even When Symptoms Seem Mild
Some crash-related symptoms are not obvious at the scene. Headaches, dizziness, neck pain, back pain, numbness, sleep problems, and concussion symptoms can emerge or worsen later. Seek appropriate medical care and explain every symptom, including when it began and whether it affects work, sleep, driving, or ordinary activities. [1]
Medical records can help establish a clear timeline between the collision and treatment. Keep copies of:
- Emergency room, urgent care, and physician records
- Imaging results and specialist referrals
- Prescriptions and receipts
- Physical therapy notes and home-care instructions
- Work restrictions, missed-shift records, and wage information
- Appointment calendars and follow-up recommendations
Do not stop treatment simply because an insurance adjuster contacts you. If care needs to change, discuss that decision with the medical provider treating you.
Document the Scene Without Taking Risks
When it is safe, take wide photographs first, then closer images. Capture the vehicles, visible damage, license plates, road signs, traffic signals, lane markings, debris, weather, lighting, skid marks, and the overall location. A wide image can show context that a close-up may miss.
Get names and contact details for drivers, passengers, witnesses, and responding officers. Save the police report number and any exchange-of-information sheet. Witnesses often leave quickly, and their recollection may be more useful when recorded soon after the crash.
Save Rideshare Information on Your Phone
Digital trip details can become central evidence in a rideshare claim. Take screenshots of the trip receipt, driver profile, vehicle details, route, pickup point, drop-off point, messages, and calls made through the app. Also note the date, time, exact location, and trip status displayed on your screen.
That information may help clarify whether the driver was offline, logged into the app and waiting for a request, traveling to a pickup, or carrying a passenger. Preserve it before deleting the app, replacing a phone, changing account information, or losing access to the trip page.
Report the Crash Carefully
Passengers and rideshare drivers should report collisions through the relevant platform. Drivers may also need to notify their auto insurer per policy. Keep reports factual: describe what you saw, what happened, and your injuries, avoiding fault or recovery time guesses. Save claim numbers, emails, and screenshots of submissions. For official records, the Colorado Division of Motor Vehicles explains how to request a copy of a crash report.
Do Not Rush Into a Recorded Statement or Settlement
An insurance representative might call soon after a collision to request a recorded statement. You can give basic info, but avoid speculating, minimizing symptoms, or accepting others’ crash descriptions as fact. Labeling an injury as “minor” before a medical assessment can be misleading. A quick settlement might not cover future treatments, missed work, ongoing pain, or limitations. Carefully review any release or settlement before signing, as it could limit future claims.
How Coverage Can Change During a Rideshare Trip
Rideshare insurance questions often turn on the driver’s app status at the moment of impact. The relevant coverage may differ when:
- The driver is offline.
- The driver is logged in and waiting for a request.
- The driver accepted a ride and is traveling with the passenger.
- The passenger is in the vehicle.
Possible coverage sources can include the driver’s personal policy, the rideshare company’s available coverage, another at-fault driver’s policy, and uninsured or underinsured motorist coverage. Coverage limits and fault, evidence, injuries, and available coverage all affect whether a claim will be paid. [2]
Evidence That Can Disappear Quickly
App records, GPS data, dashcam footage, traffic camera footage, security footage, and witness recollections may not remain available indefinitely. Act quickly to preserve what you have. Sometimes a formal request may be needed for records controlled by others, such as businesses or insurers. For example, a passenger injured during a sudden stop near an airport needs evidence of the curb location, trip stage, vehicle damage, and medical timing. Combining these records can provide a clearer account than any one piece alone.
Losses That May Be Part of an Injury Claim
Depending on the facts, documented losses may include medical expenses, anticipated medical care, lost wages, reduced work hours, vehicle damage, transportation costs, pain, emotional distress, sleep disruption, scarring, permanent impairment, and limits on normal activities. Claim value depends on reliable proof, the severity and duration of the injury, fault issues, and insurance coverage. [3]
When to Consider Legal Guidance
A legal consultation may be useful when injuries are serious or worsening, fault is disputed, multiple insurers are involved, a claim is delayed or denied, income has been lost, or a pedestrian, cyclist, or wrongful death is involved. A consultation does not require filing a lawsuit. It can help identify evidence to preserve, coverage questions to investigate, and any applicable deadlines.
Questions to Ask During a Consultation
- Which insurance policies may apply?
- What evidence should be preserved immediately?
- Could another driver, business, or public entity share responsibility?
- How could comparative fault affect the claim?
- Which medical, wage, and other losses should be documented?
- What deadlines could apply in Colorado?
- How might medical bills, liens, and insurance payments be handled?
Safety Reminders for Future Rides
Before entering a vehicle, confirm the driver, vehicle, and license plate in the app. Wait in a well-lit place away from moving traffic, wear a seat belt in every seat, and keep trip details available until the ride ends. NHTSA also encourages riders to confirm the vehicle and driver before getting in, choose safer pickup locations, and wear a seat belt on every trip.
Focus on Safety, Records, and Clear Next Steps
After a rideshare collision, get safe, obtain medical care, preserve photos and app details, report the crash accurately, and avoid rushed decisions. The driver’s app status, the cause of the crash, the available insurance, and the effect of an injury can all shape what happens next. A simple checklist helps protect your options while the facts are still fresh.
References
- Centers for Disease Control and Prevention. Symptoms of Mild TBI and Concussion. September 15, 2025. CDC states that some mild TBI and concussion symptoms may appear immediately, while others may not appear for hours or days, and identifies symptoms including headaches, dizziness or balance problems, nausea or vomiting, vision problems, concentration difficulties, and sleep changes. CDC — Symptoms of Mild TBI and Concussion
- Colorado General Assembly. HB22-1089 — Rideshares and Uninsured Motorist Insurance Coverage. The Colorado law addresses insurance requirements for transportation network companies and distinguishes between coverage requirements for drivers during prearranged rides and for drivers who are logged into a transportation network company’s digital network but not engaged in a prearranged ride. Colorado General Assembly — HB22-1089
- Centers for Disease Control and Prevention. What to Do After a Mild TBI or Concussion. September 15, 2025. CDC recommends contacting a healthcare provider when symptoms do not improve or worsen and following healthcare-provider instructions for returning to regular activities, including driving. CDC — What to Do After a Mild TBI or Concussion
Life
The Hidden Cost of Mental Noise: Why Stillness is the Ultimate Founder Hack
If you are an entrepreneur, you are likely intimately familiar with the voice in your head. It is the narrator that constantly evaluates, plans, worries, and strategizes. But have you ever stopped to ask yourself: Do I really need a narration to experience my life?
We have normalized an extreme level of internal chatter. The cost of not letting this mental noise quiet down is immense.. it impacts your physical, mental, emotional, and spiritual health. If you spend your entire life projecting into the future or agonizing over the past, you arrive at the end of your life with a strange vacuum. You missed it. You were never actually there.
There are traps keeping founders stuck in mental chaos and there is a simple practice of stillness that can unlock unprecedented clarity, authentic success and profound peace.
Here is how to step out of the noise and find your exact place in the world.
The Evolutionary Trap of “Hustle”
Most of the noise in your head originates from your limbic system’s effort to survive. Our neurology evolved to protect our bodies by using past experiences to predict the future. This system operates in milliseconds, scanning for threats and ensuring we maintain our “status” within the tribe, because thousands of years ago, a loss of status meant exile and death.
Today, the environment has changed faster than our biology. The “tiger” we are running from is no longer on the Serengeti; it is in our minds. It is an angry client email, a drop in social media engagement, or the fear of a failing launch.
When you constantly scan for the next new thing to boost your status, you are running a biological program designed for survival, not for thriving. You end up objectifying everyone and everything.. treating people and environments simply as resources to be manipulated for your own ends. This zero-sum game completely destroys your intrinsic sense of connection and joy.
Dopamine vs. Serotonin: The End of Seeking
The only reason anyone does anything is to try to feel better than they do right now.
In our culture, we are highly addicted to the dopamine cycle: we want something, we get it, the dopamine dries up, and we instantly want the next thing. We are on a perpetual rat wheel, convinced that we just haven’t found the “right” level of success yet.
But if you get quiet and ask yourself why you want a specific goal (like more money, food, or status), the underlying answer is always a feeling state: pleasantness, relief, or satisfaction. Ultimately, what you are seeking is an end to seeking.
Stillness is the shortcut. It reduces the tension in your body and mind, allowing you to experience the exact peace you are hustling so hard to achieve, right here in the present moment.
Stillness as a Competitive Advantage
Stillness is not about sitting on a mountain for ten years; it is a practical, volitional state control that you can practice hundreds of times a day.
When you get still, you stop defending the mental abstraction of yourself. You step out of the “vehicle” of your ego. This creates a massive expansion in your scope of context. The wider your context, the more options you have. And the more options you have, the more freedom you possess to make truly powerful business and life decisions.
The Micro-Practice of Stillness:
- Relax the body: Release the physical tension (especially in your jaw and gut). Tension is a signal to your brain that something is wrong.
- Breathe: Ground yourself in the physical sensation of the present moment.
- Stop the story: Let go of the narrative, the past, and the future. Just be here.
You don’t stay here forever. You zoom out to gain peace and perspective, and then you zoom back in to execute on your business with renewed clarity and energy.
Discovering What Actually Drives You
When you get quiet, what needs to be heard grows loud.
We all have ideals about who we think we are, but values are what actually drive our behavior. Often, when entrepreneurs get still enough to look at the values truly driving their actions, it can be shocking. You might realize you value “feeling good about yourself” more than you value the truth, or that you value “appearing successful” more than actual financial freedom.
As reductionist as it sounds, understanding that your values directly cause your behavior is incredibly liberating. Once you take the judgment out of it.. removing “right,” “wrong,” “good,” and “bad”—you can finally assess where you are. If you don’t know where you are, you will never get to where you want to go.
Find Your “Me-Shaped Hole” in the World
There is a unique shape in the world that only you can fill. It isn’t a pre-packaged corporate job or a trendy startup model. It is the intersection of what you absolutely love and what the world needs.
How do you find it? Stop looking at what everyone else is doing to gain status. Quiet down and feel what you are intrinsically drawn to do.
Ask yourself: Would I do this even if I wasn’t getting paid?
When you find that authentic path, the universe conspires to help you. It requires the courage to embrace your individuality and the patience to keep showing up. But when you stop trying to fit into a mold and start operating from a place of deep, authentic stillness, you don’t just survive—you thrive.
Life
What to Do When a Loved One Dies: A Step-by-Step Guide for Families
When someone you love dies, the world does not pause to let you grieve. Within hours, there are calls to make and decisions to face, often while you are in shock and running on no sleep. It can feel like being handed a to-do list in a language you do not speak.
So what actually needs to happen, and in what order? Having a clear, calm sequence to follow can lift some of the weight at the hardest possible time. This guide walks through the practical steps, gently, so you can take them one at a time rather than all at once.
In the First Hours and Days
The very first steps depend on where the person passed away, and the good news is that others usually help you through them.
If the death happens in a hospital or care home, the staff will guide you and handle the immediate medical formalities. If it happens at home, you will need to contact a doctor or the relevant authorities so the death can be formally confirmed. In an unexpected death, calling emergency services is the right first move.
Once that is done, a few early tasks follow naturally:
- Contact close family and friends, and lean on them to help spread the news
- Choose a funeral home, which will collect the person and become a key source of support
- Begin looking for any documents that record the person’s wishes for their funeral
There is no need to rush the bigger decisions in these first hours. Give yourself permission to move slowly.
Getting the Documents You Will Need
One piece of paperwork underpins almost everything that follows, so it helps to understand it early. The death certificate is the official document you will need again and again, for banks, insurers, government agencies and the estate.
Your funeral home can usually help you register the death and obtain copies. A useful tip that saves stress later: order several certified copies at the outset, because many organisations insist on an original rather than a photocopy.
Keep these somewhere safe and organised. You will be surprised how often you reach for them over the following months.
Arranging the Funeral
With the immediate practicalities underway, attention turns to saying goodbye. This is emotional work as much as logistical, so accept help freely.
Start by looking for any wishes the person left behind, whether in a will, a letter or simply things they once told you. A funeral home will walk you through the choices around burial or cremation, the type of service, and the costs involved. It is completely reasonable to ask for an itemised price list and to take a trusted friend or relative along to help you think clearly.
Lean on your community here. People genuinely want to help, and funerals are one of the times it is right to let them.
Handling the Estate and Legal Steps
Once the funeral has passed, the practical matter of the person’s estate comes into focus. This is the part families most often find confusing, and it is worth knowing you do not have to face it alone.
The estate is everything the person owned and owed, and someone has to gather it, settle debts and taxes, and distribute what remains. If there is a will, it names an executor to do this. If there is no will, the situation is more complex, and this is far more common than people assume. Around half of Canadian adults say they do not have a will, according to the Angus Reid Institute. When someone dies without one, provincial law decides who inherits, which can surprise families and take longer to resolve.
This is often the point where professional help makes the biggest difference. Speaking with a Probate lawyer in Vancouver or in your own area can clarify what needs to happen and take real weight off an executor’s shoulders.
Westcoast Wills & Estates is a Metro Vancouver firm that helps executors and families through probate and estate administration. The probate process, where a court confirms the will and the executor’s authority, can take months, so patience and good records matter more than speed here.
Notifying the Right People and Organisations
A quieter task runs alongside everything else: letting the necessary institutions know. Working through this steadily prevents headaches later.
The list usually includes:
- Banks, and any pension or investment providers
- Government agencies, including tax and benefits offices
- Insurance companies, for life, home and vehicle policies
- Utilities, subscriptions and any ongoing memberships
- Employers, if the person was still working
Take it one organisation at a time, and keep a simple note of who you have contacted and when. There is no prize for doing it all in a day.
Looking After Yourself Through It
This is not an afterthought, it belongs on the list. Grief and paperwork are a punishing combination, and you cannot handle either well if you are running on empty.
Accept every offer of help, whether it is a cooked meal, a lift, or someone sitting with you while you make calls. Delegate tasks to family where you can. And be patient with yourself, because grief does not follow a schedule and there is no correct way to feel. If the weight becomes too much, reaching out to a grief counsellor or your doctor is a sign of strength, not weakness.
Conclusion
Losing someone is one of life’s hardest experiences, and the practical demands that come with it can feel cruel in their timing. Breaking it into steps, handled one at a time, makes the impossible feel manageable.
Deal with the immediate needs first, gather the documents, say goodbye in a way that honours them, and get good help with the estate. Above all, be gentle with yourself. This article is general information, not legal advice, so consult a qualified professional about your specific situation and the rules where you live.
Life
Title IX Accusations on Campus: What College Students Need to Know Before an Allegation Derails Their Future
You spent years building toward this moment: the acceptance letter, the scholarship, the dream of graduating and stepping into the life you mapped out. Then, without warning, a Title IX allegation lands on your doorstep.
For thousands of college students across the United States every year, a campus misconduct complaint does not just disrupt a semester. It can strip away financial aid, erase scholarship eligibility, trigger academic suspension, and permanently damage an authority’s reputation before a career even begins. If you are a student who values growth, achievement, and protecting what you have worked for, understanding Title IX is not optional; it is essential.
What Is Title IX, and Why Does It Apply to You?
Title IX is a federal civil rights law enacted in 1972 that prohibits sex-based discrimination in any educational program or activity receiving federal funding. While the law was originally written to ensure equal athletic and academic opportunities for women, its scope has expanded dramatically. Today, Title IX governs how colleges and universities investigate and adjudicate allegations of sexual harassment, sexual assault, stalking, and dating violence on campus.
According to the U.S. Department of Education’s Office for Civil Rights, every institution receiving federal funds- virtually every college in the country- is legally required to have a designated Title IX Coordinator and a formal grievance process for handling complaints.
That means the moment a complaint is filed against you, your school is legally obligated to investigate. The process moves fast, and the consequences are serious.
The Campus Process Is Not the Same as a Criminal Trial, But It Can Lead to One
One of the most dangerous misconceptions students hold is that a Title IX hearing is informal or low-stakes. In reality, a campus investigation can run parallel to or even precede a criminal investigation by law enforcement. The U.S. Department of Justice makes clear that schools and law enforcement operate independently, meaning you could face disciplinary action from your university and criminal charges simultaneously.
Campus disciplinary proceedings do not carry the same procedural protections as criminal courts. There is no presumption of innocence baked into the system. Investigators appointed by your institution serve the institution, not you. Evidence standards differ, and the burden of proof is often a “preponderance of the evidence” standard, meaning just over 50% likelihood is far lower than the “beyond a reasonable doubt” threshold used in criminal courts.
A finding of responsibility in a campus proceeding can result in suspension, expulsion, and a disciplinary notation on your academic transcript that follows you into every graduate school application, authoritative licensing board review, and background check for the rest of your life.
Five Things You Must Do Immediately If You Are Accused
The hours and days immediately following an accusation are the most critical. Here is what every student must prioritize:
- Say nothing without legal counsel present. Do not speak to the Title IX Coordinator, your university’s investigators, campus security, or local law enforcement until you have spoken with an attorney. Anything you say, even in an informal conversation, can be used against you in both the campus proceeding and potential criminal proceedings.
- Do not contact the complainant. Even if the accusation feels like a misunderstanding that a single conversation could resolve, any contact can be framed as witness tampering or harassment, compounding your situation significantly.
- Preserve all evidence. Text messages, emails, social media exchanges, photographs, location data, and witness contact information can all be critical to your defense. Do not delete anything.
- Request all documents from the school. Under the regulations issued by the Department of Education, you have the right to the evidence gathered against you. Know those rights and exercise them.
- Retain experienced legal representation immediately. The overlap between Title IX proceedings and criminal law is complex. You need an attorney who understands both systems. For students in the region, consulting with an experienced legal defense team in New Jersey who are familiar with both campus disciplinary processes and state criminal law is a critical step in mounting a credible defense.
Your Future Is Worth Protecting. Treat It That Way
The self-improvement community talks a great deal about resilience, reinvention, and getting back up after setbacks. But the most effective form of resilience is preparation, knowing what can threaten your goals before it does.
A Title IX accusation, handled without proper legal guidance, does not just pause your success story. It can end chapters you have not even written yet. The U.S. Department of Education’s student resources outline how findings of misconduct affect federal financial aid eligibility, a reality that can make completing your education financially impossible even if you later clear your name.
Protecting your future means taking every threat to it seriously, from day one.
If you or someone you know is facing a Title IX allegation, whether on a New Jersey campus or anywhere in the country, do not navigate it alone. Understand your rights, document everything, and get qualified legal counsel in your corner before the process moves forward without you.
Your goals did not disappear when the accusation was filed. The question is whether you will fight for them.
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