7 Little Ways to Save Big on Your Energy Bill

What is a money date?

A money date can take on many forms, but it should always align with where you are in life. If you're single — or choose to keep money separate in your relationship — then a money date can be carving out time for yourself to create a comfortable space and review your priorities, values, and overall financial goals and hopefully actually set a plan in motion to achieve those. If you're in a relationship with combined finances, a money date can also be a way for you and your significant other to come together to talk about money and what matters most to each of you in a way that makes you comfortable and makes finances more approachable. TBH, even a group of friends can also get together with the purpose of focusing on money and topics that can help each of you gain better insights and strategies into reducing financial stress and building financial wellness and wealth.

How do you plan a money date?

A good starting point is to simply just...begin. One step leads into the next and before you know it, you've built life-long healthy money habits. But what does "beginning" actually look like? If you have a S.O., it's important to quickly chat with each other and establish the importance of money dates. Let them know that you want to work together to build healthy conversations around your goals and values with an emphasis on money and how that plays into your financial success. If you want to create a group of friends to have more structured conversations together, then think of 5-7 people that you think would be interested in the topic, add value to the conversation, and benefit from the discussion. And yes, even if you decide you want to focus on your money individually, you still need to structure it just like you structure time for your workouts!

No matter who you have your money date with, my best advice is to keep it consistent and have some guidelines. Being consistent means that you plan accordingly and you do the work if you want to enjoy the benefits. Set a time for individual or couple conversations — once a week for an hour is reasonable. For a group, once a month is more realistic. It will be more productive if you have the conversation in a place where you don't get distracted and where you have privacy as money can be a sensitive topic. Over a cup of coffee on the deck or a glass of wine on the couch, whatever works best for you.

What should you talk about on a money date?

There are a number of topics you should cover during a money date, which is why I suggest scheduling yours for one hour a week, same day, same time, and same place. You're establishing a habit and this is the best way for you to be consistent and reach your goal of financial health and wellness. The topics will be broad and then there should be opportunities for you to dig further down. My favorite break the ice question to get things started? Ask someone what's important to them about money.

Starting with this question will bring down some barriers and take the focus off how much money you have (quantitative) to what is important to you (qualitative). There will be plenty of time to go over numbers, but the first money date should be focused on dreams, goals, and values.

It's also critical to avoid money shaming during your conversation. Think about your relationship with money. How did you grow up learning about money? Did your parents fight about it? Was it a taboo subject that nobody spoke about? Or was there a scarcity of money? Think about it — these memories we have about money and our first introduction to money can have a negative affect on us that we don't even realize until we start to ask these questions. By starting conversations with qualitative questions first, you will quickly find out what your differences are and what the pain points are and help you identify the areas that you will need to discuss and work through more carefully.

After that, the first step in any of the following topics is to gather the information. Bring all the details with you to the date. There will be time to dig in deeper, have discussions around it, and make a decision or two — although don't worry about solving it all in one date. The point here is to make process based on the information you have at hand. The areas that you should address include the following:

• Cash Flow: What's coming in (salary, income) and what's going out (expenses). There's no way around it — your expenses must be less than your income to be financially successful. Budgeting is usually the first place to start, but can also be the most difficult. It's okay to skip this one for now and come back to it if needed. Think of this as taking charge of your money one step at a time!
• Debt: Credit cards, car loans, mortgages, student loans... no matter what type you have, debt can be challenging and ultimately set you back years financially if you don't address it the right way. There's definitely a difference between good debt and bad debt, and knowing which one is which is important to help you understand the best way to tackle this.
• Retirement: It can be hard to think about retirement when you're in your earning or accumulation years. The key is to set up an automatic process where the money goes into your retirement accounts before it ever hits your bank account. You won't miss it if you don't see it.
• Insurance/Protection: There are many reasons to transfer risk away from you onto an insurance company. Start with the basics — life, auto, home, and consider your company's benefits here as well.
• Investing: The time value of money and compound interest are your best friends. Automating monthly deposits into your investment account is a great way to build wealth over time.
• Estate Planning: Nobody likes to think of this one, but it's important to address. Retirement accounts and insurance falls outside of the will so be sure to update your beneficiaries annually(who you want to get your money if something were to happen to you). You will need at least the three basic documents as well - will, (who gets your money, assets and personal items) power of attorney (who can make financial decisions for you if you are unable to do so) and health care proxy (who can make medical decisions on your behalf)
• Education: If you have kids and want to plan for the growing costs of college, 529s custodial accounts and other investments are available to help do so.
• Philanthropy: Are you charitably inclined? Do you have causes that are important to you? Did you know that there are other ways to donate other than writing a check? You can also donate stock (Most who donate stock will donate appreciated stock, or stock that has gone up in value).

What happens after your money date?

Having an easy way to approach your money and having a system to manage your money will help you reduce stress around money and build confidence to move forward successfully. With the above plan, you can address both the quantitative side of your life as well as your qualitative side of your life to build wealth well. It's critical to explore the emotional side of money and what it means to you so you can better understand the best way for you to approach the dollars and sense of it.

If you're single and are thinking about when to start a money date — the best time to start is now. You're not too young and you're not too old. If you start today, you're one step closer to reaching financial peace of mind. Step one is set up time for your first date.

If you're in a relationship, the best time to start a money date is when you're beginning to discuss building a future together. When you have an SO, it takes the complications of money one step further as you each have a history with money that you bring to the table and to the relationship. Unchecked, it can cause challenges when it may be too late. Building habits early on and normalizing conversations about money will help you to implement the steps and actions that are needed to realize your goals together.

Having money dates on a regular basis will keep you consistent, disciplined, and focused financially. The benefits to a money date (and a lifelong process of money dates) is financial confidence — knowing where you stand, having the choice to do what you want with your time and money, and building a healthier, wealthier you. Money touches every aspect of your life, but money dates help you feel less stress, more in control, communicate better, and make better decisions in all of those aspects. By addressing this now, you're navigating complicated but important differences that you will want to work through together and start setting up healthy money habits now for your future.

Coach Medium Corner Zip Wallet

All the nooks and crannies of this wallet provide the perfect place for multiple cards, bills, and coins. A simple snap closure holds all the good together. Black wallets are timeless, so this bad boy will match with any outfit or purse, if coordinating accessories is your jam. Originally sold for $198, this style currently goes for $59.40!

HOBO Gracie Leather Wallet

This muted green leather wallet is everything! One side is for cash, one side is for cards, and the middle section is meant for loose coins. The overall design is fairly minimal – no extra bells and whistles here. The muted colorway allows you to style this $69.97 wallet with any clothing combo!

Coach 3 In 1 Wallet

Deep red leather is popping off in the fashion world right now, so if you're searching for wallets to achieve the trend, this Coach one totally fits the bill. And it'll fit all your bills, too! There are 8 entire card slots for your ID, debit and credit cards, plus some loose gift cards you may want to keep on deck. Originally available for $228, this fiery red wallet now sells for $79.

Karla Hanson Women's RFID Leather Card Holder Wallet

This RFID-blocking brown wallet boasts a seamless, under-the-radar construction that wears well with any 'fit. If you tend to carry light, this is the best pick if you're in the market for a new wallet. It's on sale right now for $28.99!

Vulkitty Leather Wallet

I love this wallet because, unlike most other designs, it flaunts outside slots for easy card access. The outermost pocket has a zig-zagged stitch to bring some extra flair to what would've been a basic wallet. There's a substantial zippered pocket for stowing away cash and coins, plus a practical keyring that can attach to a wallet chain or lanyard. At only $19.99, leather wallets don't get more affordable than this!

Kate Spade New York Knott Pebble Leather Slim Zip Wallet

Stay pretty in pink with this Kate Spade wallet. This is one of the best leather wallets on our list because it has the most card slots in total: 14! Each one is super secure, ensuring your belongings won't slip out. The pebbled pink leather is to die for, too! At 58% off, this wallet will cost you just $69.97.

Coach Slim Zip Wallet

The Coach logo on this piece will earn you mad street cred, but you'll love it more-so for its carrying capabilities. This sleek leather wallet owns 12 card slots and a convenient coin purse situated in the middle. It's shoppable for $80.40!

Marc Jacobs Mini Compact Wallet

Mini is marvelous, especially if you're on the go a lot. Throw this compact guy into any bag, and you'll soon find how easy it is to access! The only caveat with this leather wallet is it only has 4 card slots. Shop it for just $74.97 (instead of $155) today!

What is Taylor Swift's The Tortured Poets Department?

Taylor Swift's new album (which is also referred to as TS11) is called The Tortured Poets Department. Taylor Swift announced the album while accepting the award for Best Pop Album at the 2024 Grammys. While we don't know the exact vibe of the album, over the last year, we've gotten quite a few clues about what we can expect! Just like "Daylight" at the end of Lover sets up Midnights, I think "Dear Reader" sets up The Tortured Poets Department.

Taylor's official announcement features beautiful language that evokes the same emotion "The Lakes" does, which makes me believe TTPD will be similar to Folklore and Evermore (maybe it'll even serve as the third sister album Swifties thought we'd get in 2021?). Some fans are also convinced TTPD connects to Reputation, and TBH, I'm hopping on this train!

"I think the two albums are sisters albums, but in like an opposite way," one Reddit user says. "Reputation is all black, this one is going to be all white and softly coded."

"Reputation is presented as a dark album but is truly a love album," another user comments. "This one is presented as soft and white but I bet the lyrics will be devastating."

I'm expecting TS11 to have the same lyrical prowess as songs like "Would've, Should've, Could've," The National's "The Alcott" (on which Taylor's a featured artist), and "You're Losing Me." Taylor is all about looking past appearances and telling a complex story, and The Tortured Poets Department will be no different. Just like Reputation is an edgy, glittery, emotionally-charged version of the beginning of her relationship with ex-boyfriend Joe Alwyn, I totally agree that TTPD could look grounded, airbrushed, and dreamy from the outside, but the lyrics will be SAD.

There's also been some discussion that TS11 could be another pop album that's even more nuanced than Midnights. Well, during her Eras Tour show in Sydney, Australia she played yet another round of suspicious surprise songs. While sitting at the piano, Taylor Swift takes her earpiece out and calls attention to the keyboard. "Do you hear that?" she says (via TikTok). "My damn keyboard's playing a synth sound." She then does what she almost always does when dropping an Easter egg: she smirks.

"That sound is how the album starts, mark my words," one comment reads. Another says, "That smirk tells me everything I need to know."

When is The Tortured Poets Department release date?

The Tortured Poets Department is dropping April 19, 2024. But on February 16, an artist by the name of Nils Sjöberg posted a song titled "The Tortured Poets Department." You might be wondering, "Why is this noteworthy? Who's Nils?" Nils Sjöberg is the pseudonym Taylor Swift has been using for over 10 years! With the fake name, she's written hits like "This Is What You Came For" by Rihanna, so when the title track of TS11 popped up on Spotify, it didn't take long for Swifties to notice.

The singer's voice sounds like it could be an auto-tuned version of Taylor's, but admittedly, it could also be AI. With the recent advancements in audio AI, some tracks from The Tortured Poets Department have supposedly leaked online, but we'll have to wait until April 19th to hear what the album *actually* sounds like. Either way, Nils' song is a fun one to listen to!

At the Eras Tour shows in Tokyo, Taylor Swift explained when she started working on TTPD. “I’ve been working on Tortured Poets since right after I turned in Midnights,” she said onstage. “So, you turn in an album months in advance…and I’ve been working on it for about two years. I kept working on it throughout the U.S. tour and when it was perfect, in my opinion, when it was good enough for you, I finished it.”

"Soon you'll get to hear it, soon we'll get to experience it together," she continued. "I'm over the moon about the fact that you guys care about my music...Everyone’s like, ‘Why do you make so many albums?’ And I’m like, ‘Man, because I love it! I love it so much! I’m having fun, leave me alone.'”

The brand new album follows Speak Now (Taylor's Version) and 1989 (Taylor's Version). When Midnights was announced after Fearless (Taylor's Version) and Red (Taylor's Version), I wondered whether she'd have a two rerecordings, one new album pattern and it looks like that's what we're getting!

How do I presave The Tortured Poets Department?

Before The Tortured Poets Department's release on at midnight on April 19 (we're less than a month away!), go ahead and pre-save it. It'll make streaming the album a little bit easier because when you pre-save, the album will pop up for you as soon as it drops! Go to Taylor Swift's official website and click on the "Pre-add/Pre-save" button. It'll take you to a new page where you can save it on Spotify or Apple Music (depending on which service you use), and you can also pre-order at stores like Target!

How many songs will be on The Tortured Poets Department?

Taylor Swift dropped The Tortured Poets Department song list February 5, and we already have theories about what each track could reference. IMO, "I Can Do It With A Broken Heart" is totally referencing Taylor Swift's performances of "Lover" following her split from Joe Alwyn (you can see her crying during the set), while there's a good chance "Florida!!!" is referencing her first Tampa concert, which was the first show she performed after the breakup became public knowledge. Taylor Swift's dad Scott Swift recently told fans he's most excited for Swifties to hear the title track and "Florida!!!" Here's the full tracklist for TS11:

1. Fortnight (feat. Post Malone)
2. The Tortured Poets Department
3. My Boy Only Breaks His Favorite Toys
4. Down Bad
5. So Long, London
6. But Daddy I Love Him
7. Fresh Out the Slammer
8. Florida!!! (feat. Florence + The Machine)
9. Guilty as Sin?
10. Who's Afraid of Little Old Me?
11. I Can Fix Him (No Really I Can)
12. loml
13. I Can Do It With A Broken Heart
14. The Smallest Man Who Ever Lived
15. The Alchemy
16. Clara Bow
17. Bonus Track: The Manuscript
18. Bonus Track: The Bolter
19. Bonus Track: The Albatross
20. Bonus Track: The Black Dog

Will The Tortured Poets Department be explicit?

There are 7 explicit songs on The Tortured Poets Department: "The Tortured Poets Department," "Down Bad," "But Daddy I Love Him," "Florida!!! (feat. Florence + The Machine)," "loml," "I Can Do It With A Broken Heart," and "The Smallest Man Who Ever Lived."

What is The Albatross about?

During one of her Eras Tour shows in Sydney, Australia, Taylor Swift announced a new version of The Tortured Poets Department featuring exclusive bonus track "The Albatross." This new album already has some crazy track titles — all with pretty noteworthy meanings.

According to Collins Dictionary, if you call someone an Albatross, "they cause you great problems from which you cannot escape, or they prevent you from doing what you want to do," while a Bolter could refer to someone bolting out of a relationship (or bolting from a restaurant to a car like in this viral clip 🤨).

Meanwhile "The Alchemy" refers to the continual process of trying to turn something into gold — remember how Taylor Swift spent 6 years saying her relationship with Joe Alwyn was golden? Buckle up Swifties, TS11 is going to be a wild ride.

What does loml mean?

At first glance, the twelfth song on The Tortured Poets Department, "loml," means "love of my life." Some fans were wondering if the song was a nod to Harry Styles since his Harry's House finale track is "Love of My Life" (the album also features a track named "Daylight" which is another funny connection to Taylor Swift). But Bonnie & Emily from ChatsAndReacts have got me thinking about the track in a whole new way.

Emily says that while Taylor might sing about the love of her life at the beginning of the song, she also has the potential to switch it up each verse. "Lie of my life" and "loss of my life" are HEART WRENCHING, and totally something Taylor would write.

How can I buy The Tortured Poets Department?

You can pre-order a bunch of different versions of The Tortured Poets Department on Taylor Swift's website right now, includingThe Tortured Poets Department CD + Bonus Track "The Manuscript", The Tortured Poets Department CD + Bonus Track "The Manuscript" andThe Tortured Poets Department Cassette + Bonus Track "The Manuscript".

What is a tortured poets department?

Taylor Swift has spent years talking about her anxiety, her sleepless nights, and her emotions. "My muses, acquired like bruises / My talismans and charms / The tick, tick, tick of love bombs / My veins of pitch black ink," she writes in her official Instagram post. "All's fair in love and poetry." My guess is that The Tortured Poets Department features a bunch of artists who all feel very deeply and have a similar ethereal, larger-than-life approach to their music.

As far as the name, it looks like The Tortured Poets Department could be referencing her ex-boyfriend Joe Alwyn's group chat name — "The Tortured Man Club" with Paul Mescal (who starred in Normal People while Joe starred Conversations With Friends. Both series are based on Sally Rooney books).

Will The Tortured Poets Department have any featured artists?

Yes, The Tortured Poets Department will feature Florence + The Machine on the song "Florida!!!" and Post Malone on the song "Fortnight." And after Taylor Swift teased a variety of collaborations by posting handwritten lyrics from artists like Harry Styles and Lorde, Swifties are wondering if The Tortured Poets Department will be the "collab album" we never got.

Another clue that leads me to believe this is true is the fact that the title of this album is so much longer than her other titles — and she refers to herself as "Chairman" of the department. Who are all the constituents?! Are they all the same artists who left Scooter Braun's management last year? Only time will tell, because as far as I'm concerned, surprises aren't out of the question until the TS11 era is over!👀

What is the theory of Taylor Swift's double album?

Throughout her stay in Sydney, Australia for the Eras Tour, Taylor Swift has been dropping lots — and I mean lots — of twos. @v_swiftie_ points out that in addition to holding up the number two while announcing The Tortured Poets Department, she's been playing more surprise song mashups than normal, and Taylor Nation has been posting Instagram stories featuring the number 2 instead of the number 13. Suspicious, Tay, very suspicious.