I learn something new everyday, which makes it a great day! Especially when it comes to learning new ways to save money. I discovered new tips from reading the latest AARP Bulletin from experts in every category. I'd like to share 8 new ways to save money, some of which I've already done.

1. Install low-flow showerhead
You won't even notice the difference because a low-flow fixture reduces the volume of water but does not affect the water pressure in any way. 

2. Use inexpensive non-traditional fabric
I have personally just recently done this! Instead of buying expensive slipcovers for my sofa, I used painters drop cloth (purchased with a coupon!) to cover the cushions! You can also use osnaburg fabric, also known as "the poor mans linen", for curtains. It cost only about $1.50 a yard, but when you use a lot of it, it looks expensive.

3. Download free fitness apps
I might actually start exercising with using these free apps! YogaYak tells you where to find more than 200 free yoga classes. Nike Training Club offers more than 100 free workouts, and MyFitnessPal counts calories. 

4. Empty your vehicle's trunk
Most of us know what it feels like to be hauling a few extra pounds around the midriff. It's no different with your car... excess weight places more demands on your engine and creates suspension, braking and even exhaust problems. Check your car right now. What's in there that can come out?

5. Limit meat portions
Dividing your plate into three equal portions of meat, vegetables and grains - 3 to 4 ounces each - will be better for you (health wise) and cost much less.

6. When traveling abroad, use your debit card at ATMs to withdraw local currency
Keep fees low by making fewer and larger withdrawals from your home bank account when traveling. If your U.S. bank has a partner in Europe, for example, use their ATMs for the best rates.

7. You don't have to pay for your credit score
If you have a Discover Card, an added benefit is that you can now access your FICO score for free! Sites such as CreditKarma.com, Credit.com and a program called Sharpen Your Financial Focus from SharpenToday.org offer credit scores for free also.

8. Outsmart scammers
If your bank or a big store emails you to report a problem with your account, DON'T click on the link and log in. The email is fake and it takes you to a bogus website. When you "log in" the bad guys snag your password. Be cautious!

For more tips on how to save money, click HERE to go to our Money Saving Tips For Everyday Living page.

Today's post from LifeHack Money will make you "think" about your relationship with money and how you attract wealth in your life. 

You've heard the classic saying "wishful thinking", many books have been written on this subject. One of the best known is Napoleon Hill's "Think and Grow Rich".

What is the key to becoming rich? You have to "think" rich. Ask yourself  if you have the 8 qualities listed below. Be honest with yourself, you might be surprised by some of your answers.

You may not know this, but your thoughts can affect your life. Thoughts are things. Scientists have measured vibrations of people’s thoughts and emotions, and they have found that positive, happy thoughts like love and appreciation vibrate very quickly. However, thoughts like fear, frustration, and envy vibrate very slowly. 

The phenomenon called the Law of Attraction explains the connection between your thoughts and your life – even your financial situation. In order to become rich, you must first be aware of the thoughts you have about money. If you find that you have any negative thoughts, you need to change them ASAP if you want to become rich. Here are 8 ways you can do that.

1. Believe you are worthy
Many people in our culture have low self-esteem. We are constantly bombarded with messages about how we are “not good enough.” Whether you compare your beauty to super models or your bank account to Oprah’s, you need to believe that you genuinely have something to offer the world. You have a special gift and talent that will help you become rich. Rich people don’t have a problem promoting themselves, their services, or their business. That is because they believe they are worthy. You need to think that too.

2. Believe it’s possible
How many times did you hear your parents say things like, “Money doesn’t grow on trees.” Or, “Do you think I’m made of money?” Many of us have been negatively programmed to think that money is scarce. It is not. There is plenty of money out there for the taking. You just need to believe that deserve your “piece of the pie.” Anything is possible. But you need to believe that before it happens.

3. Appreciate what you already have
If you sit around thinking, “I don’t like my house, I wish I had a bigger one.” Or, “I can’t wait to get a new car because I’m embarrassed to drive this one,” you are sending out negative vibrations with your thoughts. According to the Law of Attraction, negative, slow-moving thoughts will not create anything positive. Instead, you need to love your house or your car. Or simply be grateful that you have a roof over your head, a bed to sleep in, or food on your table. The more you give appreciation to what you already have, the more likely it will be that you will be able to acquire more.

4. Be happy for rich people
Sometimes people hear negative statements about rich people. Do any of these sound familiar: “Rich people are snobs” or “Rich people aren’t honest” or “Rich people are selfish.” If you heard this a lot growing up, then your subconscious mind is programmed with negative thinking about rich people. And your subconscious probably won’t let you become rich because you certainly don’t want to be a “snob,” “dishonest,” or “selfish.” Instead, realize that many rich people are very good human beings. Believe they deserve what they have. Bless them, and say a ‘thank you’ in advance for becoming rich yourself.

5. Use affirmations or vision boards
Writing out positive statements (affirmations) and repeating them over and over in your mind helps re-program your brain. If you found in #4 that you think rich people are snobs, then repeat an affirmation such as, “Rich people are generous, kind, and loving people. I am appreciative that I will be one of them someday.” Vision boards are helpful too. Get a poster board and cut out words and photos of things you want. It could be a new car, a big house, a private jet, or your own yacht. Whatever feels good and gets you excited is appropriate to put on the board. Use your affirmations and your vision board together for maximum results.

6. Love money
I’ve heard people say, “I hate money!” And my jaw always drops to the floor. How can you hate money? Well, the reason they hate money is because they don’t have any. That doesn’t mean that they really HATE money. They just hate the LACK of money. So you need to catch yourself if you keep saying negative things about money. Turn them around and say “I love money! Money is my friend! It brings me great joy!” The more that you put the positive vibrations of love towards the subject of money, the more you will acquire it.

7. Be happy paying your bills
I’m sure you have had a pit in your stomach before when you are paying bills. Most people have. That is because their focus is on the negative. All they think about is how much money is going out, not coming in. But you need to reframe that. Be happy when you pay your bills. Because guess what? That means that you actually have the money to pay them! If you weren’t paying them, that would mean you don’t have any money. So be grateful for having the money to pay out. After all, it does provide you with a place to live, a car to drive, and food on your table. That’s a good thing!

8. Commit to being rich
Finally, you just need to decide to be rich! Don’t take no for an answer! Don’t give up! In order to accomplish anything in life, you need to be committed. You can’t simply treat “getting rich” as a hobby, or something that you’ll just try out and see what happens. It doesn’t work that way. Rich people are dedicated to doing whatever it takes to make money and keep it! You need to do the same. Commit to your goal of being rich, and it will be yours.