This Is the Shockingly Low Number Most Americans Have in Their Savings Account

Nicole Briese
Jan 24, 2017

We like to think we’re pretty good with money — after all, despite peeping GOOP’s insanely pricey gift guide, it’s not like we’re willy nilly buying $150,000 record collections or anything! As it turns out, we might not be doing QUITE as great as we think — at least not as a national average.

According to a new report from CNN Money, a poll of 1,003 people revealed that six out of every 10 Americans don’t even have enough money in their savings account to be able to cover a $500 bill should one arise unexpectedly. That’s almost 60 percent, y’all! What’s more, 20 percent would be forced to borrow from themselves by putting the expense on a credit card, 20 percent would said they would instead need to cut their own spending down and 11 percent would — gulp — “borrow” it from someone else entirely.

While the number is down from last year (which saw closer to 7/10 broke AF Americans), it’s still troubling — especially considering that nearly half of those surveyed actually did face a major expenditure last year. As a retirement analyst for Bankrate, Jill Cornfield pointed out, at this low amount, any (common) and unexpected expense — say, a high vet bill or a broken appliance, for instance — could be enough to set you back. “If you aren’t set up to tap cash for something, it can derail you financially if you put it on [a] credit card. The original expense can bloom because of interest.” Yikes!

While she suggested cutting back on things like alcohol, coffee or vacations to avoid such a catastrophe, we prefer this 10-step money cleanse or more entertaining motivators, like these kickass podcasts.

One bright piece of news: Younger millennials do seem to be on a slightly sunnier path with regard to savings than most: 47 percent of those aged 18-29 said they had savings flush enough to be able to cover the expense. Nice work, guys!

Looks like there’s hope for us yet!

Are you a saver or a spender? Tell us over @BritandCo.

(h/t Elite Daily, photos via Getty)

7 Ways to Stay Positive Even During the Toughest Times

A lot of people pride themselves on being optimists, and TBH, if you canstay positivewith everything that’s going on in the world today, major props to you. For most people who consider themselves the glass-half-full type, it’s a lifestyle. They try to look at everything that comes their way, from relationship troubles to work mistakes, with a positive spin. But a recent study investigated whether optimists still stay more positive than pessimists when things get really tough, and what they found was pretty surprising.


Scientists analyzed nine previous studies to see how both optimists and pessimists brace themselves for receiving important and potentially negative news, like medical test results. They found that even though people who identify as optimists tend to be more positive in general, they too start assuming the worst as the moment of truth about something important nears. It’s easy to understand this instinct, since some people tend to believe that preparing yourself for the worst will ultimately make it less shocking if it happens. On the other hand, some people would rather stay positive whenever possible, since it’s easier to fight off stress and anxiety when you have a sunny outlook. Here, we’ve gathered some of our favorite expert tips for staying optimistic when you’re dealing with some super hard stuff.

How To Stay Positive

1.Learn to reframe negativity. “The trick to positivity is not avoiding pessimism,” says Elaine Taylor-Klaus, a certified professional coach. “It’s really about how quickly you can redirect your focus from negative to positive. Critical thinkers are going to see problems to be solved, but the ability to ‘reframe’ the conversation is the really important skill for people to practice.” She recommends getting into the habit of acknowledging negative thoughts and then asking, “What else is possible here?” This can guide you back into a positive mindset more quickly.

“Bottom line: Negativity happens,” she says. “Positivity is a choice, and the quicker you learn to reframe, the more time you’ll spend in a positive space. Then, over time, the more likely you are to turn directly to a positive interpretation of events.”

2. Ask yourself if this will matter a month or year from now. Sometimes things seem crucial AF in the moment, but might be inconsequential even just a few days after that. Just think about high school drama. “When we can leave the past behind and even know in the present moment that this feeling won’t last, it can help to remind us that time heals and life goes on,” explainsSharon Stokes, life-fulfillment coach.

3.Give back. Volunteering is an amazing way to change your entire perspective, saysLyssa Menard, a clinical health psychologist, founder of Strategies for Changeand assistant professor at Northwestern University’s medical school. “There are many organizations that don’t require an ongoing commitment, so sign up for an event that’s meaningful. Research shows that giving to others is one of the quickest routes toward happiness. While happiness and positivity are different, they’re correlated,” Lyssa says.

4. Role play to be more objective. Playing a little mind trick on yourself can work wonders, says Lori Scherwin of Strategize That, a career coaching service. “We’re often better at helping others than ourselves,” she notes. “Make the situation more objective and less personal to you. For example, consider if it were anyone else in the situation (like your best friend, partner or colleague). How would you see the same ‘problem?’ What advice might you give them to get out of it?” she asks. This will help you shift from being super hard on yourself to more objective, and most likely, more positive.

5. Make changes to things that are within your control. Spending time worrying about something that you can’t change isn’t really worth the effort. Instead, “Focus on areas where you have agency,” suggests Holly Burton, a career coach for women in male-dominated industries. “You may be stuck in a role you don’t love at work, but you could probably work a few extra hours a week and take on a project that interests you. You could also schedule some proactive meetings with your boss to make an action plan to develop the skills you need to make a lateral move,” she says. In most situations, whether they’re career-related or not, it’s possible to take actions to make things better for yourself.

6. Practice radical acceptance. Some professional coaches suggest trying out the idea of radical acceptance, which is basically accepting the things you cannot change, even if they’re not right or you don’t agree with them.

7.Try this gratitude challenge. First, journal about one event each day for seven days that made you feel happy and/or thankful and include the specifics of why it made you feel that way, going deep into the details. Second, send one random thank you email or text to someone each day, either personally or professionally. This message should include what they did and why it’s worthy of the shout out. Detailed gratitude journals are proven to improve your life satisfaction, so try to stick to a gratitude practice, even in the good times!

What do you do when you’re trying to stay optimistic? Have you tried any of these techniques? Tell us about it @BritandCo!

This article has been updated.

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4 Easy Tips To Make A Truly Impressive Christmas Charcuterie Board

I’ve said it before, and I’ll say it again: I’ve fully assumed the role of the #1 charcuterie-maker in my family. Maybe it’s the perfectionist in me, but I go absolutely crazy for laying out an elegant snack spread, no matter the occasion.

I’m fixing to make the journey back home to Texas this week ahead of the holidays, and I’d be lying if I said I wasn't excited to absolutely pop off on this year’s Christmas food plans – charcuterie included.

At this point, I’ve made about 20 charcuterie boards for so many different occasions. From 2-person Valentine’s Day dates to larger Christmas parties (I’m talkin’ 15+ people), I’m a self-proclaimed pro, and am happy to share all of my best tips for creating the ultimate charcuterie!

Christmas charcuteries in particular are super fun – as the board-maker,g it’s your chance to not only put together the perfect series of snacks that recalls the spirit of the season, but impress all of your friends and family members while you’re at it.

If you’ve ever wondered, “How can a charcuterie look so good?”, you’re in the right place.

My top 4 tips will guide you through all the steps of the Christmas charcuterie board process so you can create your own Pinterest-worthy spread in no time!

Meredith Holser

1. Get a good board.

Throughout the years, I’ve learned that your charcuterie is only as good as the board you use to craft it. I’ve had moments where I tried to use a single dinner plate or even a plastic cutting board for my creations, and, well, they just didn’t cut it.

The perfect charcuterie board is durable, easy to transport, and easy to clean once all the snacks are gone. Of course, the size of your board matters, too, but that really all depends on the amount of people you plan to serve.

Uncommon Goods

Uncommon Goods Compact Swivel Cheese Board with Knives

I was lucky enough to be gifted this wonderful foldable charcuterie board ($87) from Uncommon Goods (thanks, mom), and it’s my go-to for small gatherings (more typical than large parties, per my lifestyle).

I also really enjoy it because it’s easy to travel with if I’m setting up a snack spread at someone else’s place. The foldability also makes it a breeze to stow away in my kitchen cupboards between uses.

My only (very minor) complaint about it is that the nooks and crannies between the folding mechanisms can be hard to fully clean.

Crate & Barrel

Carson Acacia Cheeseboard

If you plan to take your charcuterie skills to a larger get-together, I recommend looking for a long board, like these ones from Amazon ($65) or Crate & Barrel ($70).

Meredith Holser

2. Variety is key.

Now that the board’s out of the way, it’s time to get into the fun stuff – the food!

My personal preference when it comes to charcuterie boards is that they have a ton of variety. Not just variety in flavors, but color, texture, and layout.

Having a wide range of different snacks will please the palette and the eyes, which is the number one key in impressing those people that hover around the snack table, leaving them with a lasting memory about your charcuterie work.

Meredith Holser

As a quick guide, I always strive to have at least one item from each of these categories on my charcuterie board: meats, cheeses, crackers, nuts, olives, fruits, and chocolates (because who doesn’t like chocolate?!).

Bonus points for fancy picks like veggies, dips, breads, honeys, baked bries, cookies, pastries, and dipping oils.

Meredith Holser

Now, all of that is just for a regular-schmegular charcuterie moment. When it comes to a Christmas charcuterie board, you may want to stick to seasonal foods (like Christmas cookies, cheese balls, and rosemary crackers) and flavors (like cranberry, gingerbread, and peppermint) to really nail the theme. Using red and green foods is also welcome!

Wencee Minimo

It’s no secret that I love to shop at Trader Joe’s for all of my charcuterie needs. They carry a ton of items in each of the aforementioned categories, and the best part is their products typically favor the more-elevated culinary palette (not to sound pretentious AF!).

Plus, their aisles change according to the seasons, so you’re bound to find the perfect items for your Christmas charcuterie board in a single trip. I can’t recommend TJ’s more!

Meredith Holser

3. Get creative with presentation.

The presentation of your charcuterie is the part that people will remember the most, which is why I fully lean into my creativity to create an eye-catching snack spread.

My best advice is to simply be patient and don’t rush this step! It should be pure fun – sometimes it’s even more fun for me than actually eating the charcuterie!

You really can’t mess up the presentation, and if you do, everything is easily rearrangeable.

Meredith Holser

Meat roses – it sounds so silly, but making meat roses was the first thing that really leveled up my boards’ presentations. You can create them by layering slices of cured meats (like salami) around the rim of a glass. I watched a quick TikTok tutorial to learn how (thank you, internet!). This YouTube video also has some really helpful and clear tips!

I also enjoy employing methods like alternating and layering different cheeses, stylishly folding meats onto toothpicks, stuffing olives, creatively cutting berries, and more.

Amazon

Selamica Ceramic Dipping Bowls Set

The next tip kind of goes hand-in-hand with my notes about using a good board, but it definitely plays into presentation: using small bowls to section out things like olives, baked bries (my fave), jellies, and dips. Tiny bowls like this set of 6 from Amazon ($23) not only look cute, but they help in separating charcuterie items that shouldn’t touch other things (AKA oily olives or piping-hot baked cheeses).

You’ll learn more and more about your charcuterie presentation preferences through practice. Plus, no two boards are the same, so you really have free reign on each one!

Meredith Holser

4. Scale your charcuterie appropriately for the occasion.

If you’re going to serve a big Christmas party, you’ll want to up the ante with the size of your charcuterie spread. As I noted with the size of your board, you’ll want to have enough snacks to fill the blank space on it.

The real key with this is just being prepared – make sure you get a solid head count ahead of your charcuterie shopping trip, and you’ll know exactly how much to buy!

If you’re only feeding a few mouths, it’s okay to keep it small! For reference, between two people, I only need to grab one of each item. For larger gatherings above 10 people, I might be extra cautious and grab 3 or 4 of each.

I’ve found that meats, cheeses, and crackers are typically what’s gone from my boards first, so I’d recommend focusing on having enough options there for your own creation.

Meredith Holser

Another important thing to take into consideration is if your guests have any special dietary needs like allergies. That way, you can know what to avoid (or set out separately from the main charcuterie board if you’re up to making a couple of options).

Meredith Holser

If you’ve committed to the charcuterie for a function at someone else’s house, make sure you arrive in advance with all the components packaged. Building the board beforehand opens up the possibility of it getting messed up during travel.

I’d tow along my board, a bag full of the snacks, and some necessary prep items like knives and bowls. Bringing your own paper plates to coordinate could also be helpful to the host!

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Brit + Co may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

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How Your Myers-Briggs Personality Type Affects Your Dreams

It's fun to learn more about ourselves and to feel understood — that's why we take personality tests so incessantly. And since we live in an age of increased self-awareness, we can apply those tests to so many things, like our Hogwarts house and makeup preferences. Clearly, knowing thyself has taken on a whole new meaning lately, and we love the things that these tests can tell us — but did you ever wonder how your personality might affect your dreams? In a new study, Best Mattress Brand set out to discover whether specific types of people had particular types of dreams. Read on for their fascinating results.

The test explored each component of the Myers-Briggs types, which can be broken down into eight characteristics:

Extraversion or Introversion: This is the way you focus your energy. Extroverts focus on the outside world, and Introverts focus on their inner world.

Sensing or Intuition: This is the way you process information. Sensing individuals focus on the facts, and Intuitive individuals interpret the facts.

Thinking or Feeling: This is the way you make decisions. Thinkers process decisions logically, and Feelers make decisions with context and emotion in mind.

Judging or Perceiving: This is the lens through which you interpret the world. Judgers prefer decisive action, while Perceivers like to keep their options open.

Together, your individual combination of these eight traits creates your personality type. Given these traits as variables, the study surveyed 1,000 people on their Myers Briggs traits and their sleep habits.

As you'd imagine, there were a lot of discrepancies between Introverts and Extroverts. Interestingly enough, Extroverts are 17.7 percent more satisfied with their levels of energy during waking hours than their introverted counterparts. Perhaps it's because of their dream habits: Extroverts also have 8.3 percent fewer nightmares than Introverts. Extroverts also dream about traveling 13.9 percent more often than Introverts do.

What about the content of these dreams? If you're Intuitive, you're 16.8 percent more likely to dream about being killed than Sensers are. ­Apparently, Intuitive individuals' dreams are more violent across the board: They also dream about getting attacked and “punching something with no effect" more often.

There's also a substantial difference between Thinkers and Feelers when it comes to dreams. The more emotional Feelers dream about getting pregnant more often than Thinkers do, and they dream about their friends more often too. Perhaps Thinkers are just thinking too hard; they talk in their sleep almost 10 percent more than Feelers do.

The Judgers and Perceivers have their differences as well; in fact, Perceivers have night terrors 10.2 percent more often than Judgers, probably due to the fact that they experience reality so deeply.

Does your personality type match up with these findings? Let us know @BritandCo.

(Photo via Brit + Co)

This post has been updated.

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The 25 Worst Christmas Songs Everyone Agrees "Suck"

I'll admit, I'm one of the people who begins listening to Christmas music in September — if not earlier. And while I always have "December" by Gabrielle Aplin & Hannah Grace and everything Nat King Cole has ever sung on repeat, there are some tunes even I can't stand. And I know I'm not the only one, which is why I scoured the internet for the absolute worst Christmas songs ever recorded. Feel free to hate-listen while you hate-watch the worst Christmas movies!

Here are the worst Christmas songs nobody wants to listen to.

The 25 Worst Christmas Songs Of All Time

Blue Ox Studio/Pexels

1. "Christmas Shoes" by Newsong.

This heartbreaking song is about a kid trying to buy shoes for his dying mother, and it traumatized children everywhere. "The song about the Christmas shoes is the worst," @VonHush wrote on Reddit, while another user agrees, "It does really suck."

2. "Last Christmas" by Wham!

According to one Reddit user, their "least favorite [Christmas song] is motherf—king Last Christmas." This is also my dad's least favorite Christmas song, and he always has a visceral reaction when it comes on the radio. What's with the drama, gents? Regardless of whether you love or hate this, I'll always stand by Taylor Swift's cover.

3. "Grandma Got Run Over By A Reindeer" by Elmo & Patsy

This is one of my least favorite Christmas songs because I'd rather sing about peace and joy, not envision my grandmother getting mowed down by Rudolph.

4. "It's the Holiday Season" by Andy Williams

It might be time to celebrate the holidays, but this song really doesn't inspire holiday cheer for some listeners. "The lyrics really grind on my nerves," @ fresnosmokey says on Reddit. "'Woopdie doo and dickory dock and don't forget to hang up your sock.' WFT is that? Were they under pressure to put out a Christmas song as quickly as possible? Because that's just plain lazy writing."

5. "White Winter Hymnal" by Pentatonix

Okay, this is a hot take because people love this cover of the Fleet Foxes original, but it's always given me such an eerie feeling. The song isn't necessarily about death in a literal sense, but "with scarves of red tied 'round their throats / To keep their little heads from falling in the snow" and "You would fall and turn the white snow red / As strawberries in the summertime" literally send shivers down my spine.

Spencer Backman/Unsplash

6. "Do They Know It's Christmastime" by Band Aid

While this is an update addition to any playlist, one X user considers this one of the worst Christmas songs ever. "[It's] just so smug and patronizing."

7. "Mary Did You Know?" by Michael English

I haven't been able to listen to this song the same ever since I saw someone point out that yes, Mary did know. The angel told her! Touché.

8. "8 Days Of Christmas" by Destiny's Child

While we can always expect covers of old school Christmas songs, some people are really not a fan of changing up a classic. Take "8 Days Of Christmas" for example. "What arrogance compels you to just change a classic and then gurgle on about all the stuff you want?" @disco54 says on Reddit.

9. "Do You Hear What I Hear?" by Harry Simeone Chorale

And with so many new & incredible songs to enjoy, some of the older tunes are harder to listen to. “'do you hear what I hear' is so so slow and I just can’t enjoy it anymore," one X user says.

10. "Mistletoe" by Justin Bieber

Sorry y'all, I just missed the Bieber fever, which means this is a skip for me. The use of "shawty" haunts me to this day.

Brit + Co

11. "Santa Baby" by Eartha Kitt

Some people consider it a classic, others consider it like nails on a chalk board. "Not sure how controversial this is but I hate Santa Baby," one Reddit user says. "It has very little redeeming qualities for me and I will put on a non Christmas station when it comes on."

12. "Little Drummer Boy" by the Austrian Trapp Family

This song is both so long and so repetitive that it makes it hard to enjoy listening to the entire thing.

13. "The Twelve Days Of Christmas" by...Anyone

I consider this one of the worst Christmas songs simply because of how long it is. I start zoning out around "5 golden rings."

14. "I Want A Hippopotamus For Christmas" by Gayla Peevey

I've always considered this song a silly addition to my Christmas playlist, but I have found myself skipping it recently in favor of more classic carols. "'i want a hippopotamus for christmas' is the worst," @polivtical says on X. "only to be tied with 'all i want for christmas is my two front teeth'. both should be considered torture."

15. "All I Want For Christmas Is My Two Front Teeth" by Spike Jones and His City Slickers (or Alvin and The Chipmunks)

This makes the worst Christmas song list purely because of the above tweet. Enough said.

Brit + Co

16. "Crabs for Christmas" by David DeBoy

Just the title of this Christmas song (which is apparently about someone asking Santa for a crab feast for Christmas) has me questioning whether it's good. One Reddit user jokes it's the reason they moved out of Maryland.

17. "I'll Be Home For Christmas" by Camila Cabello

Camila's viral performance (and everyone instantly meme-ing the way she pronounces "Christmas") means I can't listen to this song the same way ever again.

18. "Wonderful Christmastime" by Paul McCartney

Wow, some of y'all really hate this song. Why?! Despite the fact it's upbeat and cute, a lot of people really don't like it.

19. "I Never Knew the Meaning of Christmas" by NSYNC

Did we really need another Christmas pop song? Especially one that tells single people they don't know the meaning of Christmas if they're not coupled up? Yikes.

20. "Dominick The Donkey" by Lou Monte

Some people simply don't want to listen to a donkey bray while they're enjoying their Christmas Eve dinner. And you know what? I get it.

Elina Fairytale/Pexels

21. "It's Beginning To Look A Lot Like Christmas" by Michael Bublé

Hot take! So many people love Michael Bublé's Christmas music, but one X user says they refuse to listen to "anything with Michael Bublé." I'll admit, I'll always choose the Frank Sinatra version over Michael.

22. "We Wish You A Merry Christmas" by Bing Crosby

While we do wish you a Merry Christmas a happy holiday, this song ain't it for Christmas music lovers — especially the figgy pudding lyric. "I've never had figgy pudding, but if it tastes anything like Fig Newtons, then I sure don't see how it's worth overstaying your welcome," @newbuzzcola says on X.

23. "I Saw Mommy Kissing Santa Claus" by The Jackson 5

Even though this is technically a classic, it's still not that enjoyable to listen to IMO. And it took me way too long to realize Santa's actually just the dad in costume.

24. "Christmas Time is Here Again" by The Beatles

The Beatles might be certified stars, but this song is just too repetitive. "This may be the worst song ever created," @knowpium says on X. Here's hoping it's not in the new Beatles movies.

25. Everything by Manheim Steamroller

Unfortunately, we'll have to add Manheim Steamroller's entire holiday catalogue to the worst Christmas songs list because, in the words of one Reddit user, "F—k everything about Mannheim Steamroller." Wow.

What do you think the worst Christmas songs ever are? Did we miss one? Let us know in the comments!

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OMG Lady Gaga Just Dropped A New Christmas Song (& Finally Brought Back Carpool Karaoke)

Christmas has come early for two reasons: Carpool Karaoke is back — and so is Lady Gaga! Wondering what they have in common? Everything!

The 2010's sensation gave us amazing celebrity appearances with James Corden as driver extraordinaire, and stars like Harry Styles, Katy Perry, and Selena Gomez. Lady Gaga joined the carpool in 2016 — with over 88 million views on Youtube — singing songs like "Million Reasons" and "Bad Romance" to her heart's content.

Finally, the pop star — and the show itself, TBH — made a return this week! And more than that? Lady Gaga even debuted her new Christmas song. I've already played it multiple times, so I know it's about to top my most-played Christmas songs. Excited? Here's everything you need to know about the surprise song drop, the return of Carpool Karaoke, and more!

See how Carpool Karaoke gave us the biggest surprise of 2024 — a new Lady Gaga Christmas song!

www.youtube.com

- YouTube

In an unexpected trailer for A Carpool Karaoke Christmas, Zane Lowe can be seen accepting a phone call from the one and only James Corden who has a huge favor to ask. The first passenger Lowe picks up is the "Bad Romance" songstress herself — followed by Chappelle Roan and Dua Lipa's own individual appearances.

The car's decked out in green wreaths and festive red bows which adds to the Christmas spirit as everyone sings along to famous holiday songs. Lady Gaga can also be heard singing "Christmas Tree" which has fans in the trailer's comment section besides themselves with glee!

According to Deadline, the special premiered on Apple TV+ December 15, so it's not too late to watch it if you're just as excited as we are. But that's not all!

The outlet also reported Lady Gaga and Lowe released a new version of "Santa Claus Is Comin' To Town" on all streaming music platforms! This means you get to hear the pop star give the nostalgic song a punk rock vibe that's now stuck in our heads.

If Lady Gaga tells us not to pout or cry, we're going to listen! (And sing along while we're at it 😉)

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