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Saving tends to be easier when you know what you're saving for. Try to set a goal, such as building an emergency fund, saving for a down payment, saving for a major household purchase, or building a retirement fund. If your bank will let you, you can even give your account a nickname such as "Vacation Fund" to help remind you of what you're working toward. A savings account is generally the easiest place to put your savings if you are just starting out. If you already have a solid emergency fund and have a reasonable amount to invest, such as $1,000, you may consider something like a certificate of deposit (CD). CDs make your money much harder to get to for a fixed period of time but tend to pay you a higher interest rate. Keeping your savings separate from your checking account will make it less likely that you'll spend your savings. Savings accounts also tend to pay a slightly higher interest rate than checking accounts. Many banks will allow you to set up an automatic transfer between your checking and savings accounts. Set up a monthly transfer from your checking to your savings, even if it's just for a small amount. That's a relatively painless way to build your savings. If you get a raise, a bonus, a tax refund, or an unexpected windfall, put it in your savings or, if you have one, your retirement account. This is an easy way to help boost your account without compromising your current budget. If you get a raise, invest the difference between your budgeted salary and your new salary directly into your savings. Since you already have a plan to live off your old salary, you can use the new influx of cash to build your savings. If you work a side gig, build a budget based on your primary source of income, and dedicate your other earnings to your savings or retirement account. This will help grow your savings faster while making your budget more comfortable.

summary: Pick a savings goal. Keep your savings in a separate account. Invest raises and bonuses. Dedicate any additional income to your savings.

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Just blot. If you rub the stain, you could lock it into the clothing. Do this if your cat has just urinated on the clothes. You'll have a better chance of removing the smell on the first wash if you can do it while the stain is fresh. Take the affected garment to the sink. Run a stream of cool water over the stain for a few minutes. Blot the stained area dry. Fill a sink with warm water. Add a scoop of oxygen bleach. Place the clothing in the sink. If the clothing is colored, allow it to sit for at least one hour. If it's white, soak it for up to four hours. This product may be sold as Oxiclean, Vanish, or simply oxygen bleach. Avoid using chlorine bleach. When it combines with the ammonia in urine, it can create harmful gases.

summary: Sop up excess liquid with a cloth or paper towels. Rinse the spot. Pre-treat the stain with oxygen bleach.

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To get your brain on track to come up with an idea, you need to surround it with a lot of relevant information. What this means will depend upon what type of idea you are trying to come up with. If you are trying to come up with a theory, do a lot of relevant research. You should do studies that problematize your existing ideas. If you have gotten yourself to the point where you have so much information that you think that you know less about the subject than you did before, your brain will struggle to reconcile the facts with your theories even when you feel that you have turned it off. If you are working on fiction, read a lot of other authors who are trying to do similar things. Read books that familiarize you with the setting of the place you are writing about. Read literary theory to give you some perspective on how to write. Read philosophy to get ideas you might want to tackle in your fiction. If you are an artist, spend some time reviewing the works of other artists in similar fields. Interacting with people outside of your normal social group will expose you to new ideas and perspectives. This is pivotal to developing "psychological distance," which is one of the most important prerequisites to creativity. Psychological distance is when you begin to look at things from a perspective other than that which you are accustomed to. Once you begin putting yourself in the shoes of a different person, it is easier to approach your problems in a way you haven't thought of before. Traveling is also a good way to create "psychological distance." Exposing yourself to new sights and sounds will cause you to think of things from a new perspective. Sometimes you can save yourself a plane ticket and use your imagination to turn the familiar into the unfamiliar. Even imagining yourself in a new place can make you approach things from a new, more creative perspective. Similarly, people have been shown to be more creative when they imagine the problem they are dealing with to be happening in the distant future. Alternatively, practice mindfulness to begin looking at your own world in a new way. Focus on something specific in your environment and try to experience it in its entirety. Notice things that would pass you by in your ever day life. One useful example of mindfulness is to pay close attention to crowded social environment. Go on a walk in an urban area or wait around in a crowded park. Look at how people interact with one another. Pay attention to their idiosyncrasies and imagine what is happening in their head. This will put you in another person's shoes. Allow your ideas to flow freely. You can focus on the topic that you are working on, but allow yourself to venture elsewhere if that is necessary to keep things flowing. Doing journal entries every day can be a good way to get you started writing. Even if the focus is on personal matters, you might wander into your creative work from a new perspective. When no ideas are forthcoming, it can be easy to get discouraged and procrastinate. However, you typically won't experience an epiphany until you've really struggled to work through your problems. Make self-imposed deadlines and force yourself to live up to them. If what you produce by the deadline isn't spectacular, at least you know what hasn't worked and how to improve in the future. The demands of a rigorous, structured brainstorming session can force you to create more than you would otherwise. Set a time limit and goals that you aren't sure that you can meet. If you fail, you will still produce more than you would have if you hadn't challenged yourself. For example, give yourself 30 minutes to come up with 30 ideas. Just write as quickly as possible. Give yourself 30 minutes to write two pages of material. Alternatively, give yourself an hour to sketch out a drawing. It's unlikely that you'll come out with a great final product, but this sort of challenge can force you to come up with new ideas. The better part of the creative process will always be excluding the things that don't matter. Knowing what doesn't matter at the beginning can be difficult, but you should start writing down some ideas, even if they don't seem well founded at first. Begin structuring the important information in your head and weed out what doesn't seem to fit.
summary: Immerse yourself in the subject. Get to know new and different people. Go someplace new. Get a pen and write. Keep a schedule. Perform structured brainstorming sessions. Learn what to forget.