Three things

Here are 3

Pick one. Each takes about as long as it says.

• Find the subscriptions someone forgot about

  Most households pay for several things nobody uses. Finding them is an hour's work and a permanent saving.

  An afternoonFreeA friend

• Give money without making it a loan

  A loan between friends creates a debt that outlasts the need. A gift, clearly stated, does not.

  5 minutesMore than $10A friend

• Tell a freelancer what the going rate is

  People new to freelancing price from fear. One honest number from someone established resets it permanently.

  5 minutesFreeA friend