Here are 6 easy tips to help you save money when out shopping for glasses. They are all pretty easy to follow and can save you anywhere between $20 to as much as $100, depending on what type of
frame or lenses you are trying to buy.
This tip can’t be stressed enough. Online stores for glasses simply have the best prices. Their prices are often shockingly cheaper than what you will find in retail stores at the mall. Online stores have also come to specialize in express glasses, meaning that you will receive your glasses in just a day. If you are visiting an online store to buy, make sure that they are an express glasses store.
Buy just the frames
If you lenses are still good and you just need to change out the frames, you must do exactly that. Don’t throw out your lenses. Instead, shop for cheap glasses frames and have your old lenses installed on them. You obviously have to pick frames that will be able to house your lenses but chances are that you will have at least a dozen frames to choose from, no matter what lens you wear.
Price match using online quotes
You can walk into a glasses store in the mall and show them an online store that is selling a certain frame for less than what the store is selling it for. If the staff are convinced that the online store is a legitimate store and the frame is indeed the same as what they have in the showroom, they will gladly give you a price match. A lot of people have been able to knock off as much as 20%, 30% or sometimes even more, using online price quotes. You can certainly try the same.
Never pay for repairs
Many glasses stores offer free repairs and adjustments, especially if such repairs and adjustments are minor. This is especially true if you have been a customer of that store. Call up a few glasses stores and ask them if they will charge for minor repairs like lens tightening or frame tightening and you will be surprised to hear that they don’t charge anything at all. This obviously saves you money.
Use Vision Insurance
Go through your health insurance plan to see if it includes a vision insurance clause. If there is such an option, you must make use of the insurance benefit. Just make sure you buy your glasses from stores that work with insurance plans. While you will stay pay for a deductible, using insurance for purchasing your glasses can bring down your cost of buying glasses by as much as 80% to 90%. If you think you will need glasses for the rest of your life, it makes sense to upgrade your health insurance with a vision cover, so it includes vision insurance.
Hunt before you buy
Glasses is one industry where prices can be very, very different, from store to store, even in the same mall! It is not uncommon for one store to sell a pair of designer frames for $500 while another store sells the same for $350. As a thumb rule, you must shop at least 3 stores or look up 3 online stores before you actually buy your glasses.
Marriage is a sacred bond between two people that love one another. It takes time, hard work, and dedication to really make it work. Unfortunately, outside elements sometimes take a toll on a marriage, causing couples who once vowed to make it through sickness and health to drift apart. Often times, money plays a large role as one of those elements. So, what are the effects of financial stress on marriage? How does it impact us psychologically and physiologically?
The Effects of Financial Stress on Marriage:
No matter what your social status is or your demographic, none of us are safe from the grips of the pressures that weigh on our relationships. Marriage, in particular, is arguably one of the hardest relationships to maintain in our lives. Not only does compromise come into play but money does as well. From budgeting to spending, these decisions can make or break your relationship. But, what are the actual effects of financial stress on marriage?
According to the American Association for Marriage and Family Therapy (AAMFT), financial distress can have destructive effects on not only the married couple but their children as well. Money issues can cause feelings of failure, tension in the household, and overall negative behaviors that trickle throughout the family. Common psychological effects, the AAMFT states, includes but is not limited to:
Overwhelming levels of stress
Feelings of detachment
Alcohol or drug abuse
Generally, this financial stress feeds into feelings of feeling incapable and developing unrealistic expectations of ourselves. If left alone, these effects can escalate and turn what was once a healthy and empowering environment into a dark and desolate place.
Financial stress also hurts us physically. In a 2003 Ohio State University research paper by Theodore F. Robles and Janice K. Kiecolt-Glaser titled, “‘The physiology of marriage: pathway to health,” studies show that social relationships have an impact on our long-term health, especially in terms of marriage. When in a loving, positive relationship, mortality rates and illness have been shown to decrease, while these numbers increased for those in stressful marriages. Marital stress, brought on often by economic hardship, can affect the body in three main ways, the research finds: cardiovascular, endocrine, and immune systems. Therefore, physiological issues that may arise from such may include the following:
High blood pressure
Nausea and diarrhea
Compromised immune system
Higher levels of stress
Irregular production of hormones
Over or under eating
When this happens, we may not understand why our body is reacting to stress this way, and we may try to play the blame game. However, it’s important to remember that instead of allowing ourselves to adapt to this way of living, we need to fight it. What can we do?
How to Fight the Negativity Financial Stress Causes on a Marriage:
When you first get married, you likely have an excellent perception of your spouse, Benjamin R. Karney of the American Psychological Association wrote in this 2010 article. Over time, however, that perception can dwindle, depending on how positive you are able to stay about your relationship. This, Karney writes, is what happy couples do; they are able to turn their spouse’s shortcomings into explanations of a bigger picture. He uses the example of defining your significant other’s distance one evening as a result of a bad day at work rather than a lack of interest in you.
Unfortunately, long periods of stress can still tear apart even the strongest couples. To combat this, keeping financial stress as low as possible will help to eliminate one more element that can be harmful to your marriage. A few ways to do this are:
Recognize your own faults/contribution to the financial issues. Instead of placing blame, take a look outside of yourself and see how you might also be contributing to any monetary problems happening in the household.
Talk to your partner. Although conversation about money (budgeting, the what-ifs, etc.) should ideally happen prior to walking down the aisle, it is sometimes still not enough to keep the strain away. Have recurring conversations with your spouse about the budget and managing the money, and see what you can do (together) to make positive changes.
Get it down on paper. Karney recommends what he calls a Financial Performance Improvement Plan, where you identify two to three specific setbacks with money and create a solution for each. Be as specific as possible and create a deadline to ensure follow-through. Repeat as much as necessary until you have a potential solution for each money problem.
Don’t forget to nourish the relationship. Just because you have financial stress does not mean you need to neglect the emotional aspects of your marriage. As you try to improve your situation, consider cheap date nights or weekend getaways that fit your budget.
Talk to a therapist. You should consider talking to a therapist, either together or separately, to overcome any of the psychological and physiological impacts that may have already begun to take place from the effects of financial stress on marriage. This is especially true if you are having suicidal or hopeless thoughts and have a hard time feeling motivated to work and so on. Being healthy and taking care of yourself is extremely important in maintaining wholesome relationships both within and outside of your marriage.
Anyone can be a target to a marriage dealing with economic issues. Financial stress does not have to mean a lack of funds; it can also mean not agreeing on how to spend the combined income. It’s OK to ask for outside help from friends and family members to see how they may be able to relate or what input they can provide as an outsider. Sometimes, the simplest solution is taking a look outside of ourselves so that we can help ourselves.
What is your take on the topic? What advice would you add?
Going from $0 to millionaire is already a challenge, so to do it in two and a half years seems almost like a miracle. That is exactly what motivational speaker and author T Harv Eker claims he was able to do, according to the biography on his website. Although numbers vary, T Harv Eker’s net worth reportedly stands at roughly more than $3 million. So, how did he accomplish such success in his life?
T Harv Eker’s Career
Eker always had a strong work ethic. Coming from a low-income home, he began working at the age of 13. Throughout his teenage years, he would deliver newspapers, scoop ice cream, sell suntan lotion at the beach, and so on. He dreamed of becoming a millionaire, and so, during his time in college, he left his studies at York University to pursue his ambitions.
With a variety of jobs under his belt, he started several different businesses, but they did not work out. Life took a temporary turn for the better, though, when he opened a retail fitness store in North America, which he expanded to 10 different locations in only two and a half years then sold a portion to a Fortune 500 company, his website states. Although the sale did make him a millionaire, mismanagement of his money led him to lose his fortune in less than two years.
After his financial loss, he began to study people’s relationship with money, which led him to develop theories, such as his “Millionaire Mind” concept, he wrote in his New York Times best-selling book, Secrets of the Millionaire Mind with over a million copies sold.
Sources of Income
Along with his book, Eker is a motivational speaker and developed programs that help others learn how to be successful through financial courses he created. These include but are not limited to Life Makeover Coaching, Million Dollar Business Secrets, and The Wealthy Marketer. These mentoring and coaching programs range from a one-time payment of roughly $300 to $500 to about $300 per month for the more involved courses. He also speaks at events and produces seminars, sharing his knowledge of obtaining (and keeping) your wealth.
Eker also wrote another best-selling book called SpeedWealth, which was self-published.
T Harv Eker’s Net Worth
The above resources brings T Harv Eker’s net worth total to an estimated $3.5 million, according to this source. With his reputation as a money expert still to this day, his net worth is likely to continue to rise as he continues to sell his online courses through his website and speak at events. He also continues to offer free trainings, which helps to lead to an increase in sales for his programs.
Eker is proof that you can go from zero to millionaire with perserverence, research, and good old-fashioned hard work. He is also proof that you can easily lose your wealth by not managing your money.