Wise Bread

Living large on a small budget. Despite what you may have heard, you don't have to sacrifice your financial independence to enjoy life. We believe people on a budget can still enjoy fabulous and fun lives.

Latest Posts from Wise Bread (page 478)

15 Ways to Stay on Budget — Even With Your Spendy Friends

We all love spending time with our friends. But if you find yourself dipping deeper into your pockets than you'd like for get togethers, you might wonder how to cope. I, too, am on tight entertainment funds. In fact, now that I'm a full-fledged adult, I thought it would be prudent to put myself back on an allowance to stay in check. […]

Best Money Tips: Essential Things to Do to Retire Early

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some stellar articles on retiring early, saving on wedding reception food, and simple ways to cut household expenses. Top 5 Articles 8 Essential Things To Do To Retire Early — If you want to retire early, live below your means and make a good salary. […]

You CAN Learn a New Language — Just Use One of These 3 Apps

Learning a new language used to mean taking years of classes in high school. When you graduated, you knew enough Spanish, French, or German to buy a sandwich, find a bathroom, or ask if anyone speaks English — should you travel to another country. Learning a new language outside of school meant buying expensive CD sets that you listen to while you were driving or sitting around your home. […]

10 Weird Ways to Get Things Done That Might Work For You

It's usually not conducive to a person's productivity if he or she is placed in front of a computer for eight hours a day. (See also: 6 Rules to a Productive Workspace) Ironically, that's what most of our jobs have done to us in a world run by technology. Technology was supposed to make us more productive and efficient. […]

Don't Know What Annuities Are? You Might Be Missing Out

When it comes to finance, most people like stability. Having the certainty of when and how much cash you will receive for a set period of time provides you peace of mind that allows you to focus on more important things. This is the reason that annuities may be an attractive long-term source of income for some investors. […]

Opportunity Costs and Conscious Spending: How Spending $1 Today Can Cost You $10 Tomorrow

Every time you make a choice, there's a cost. By choosing to buy one item, you pass on the opportunity to purchase other items. By choosing to do one thing, you pass on the opportunity to spend your time in any other way. Opportunity cost is what we give up in order to have the thing we choose. (See also: Decisions With Unexpected Financial Consequences) Imagine you own a delivery company. […]

10 Great Gifts for Frequent Travelers

Sponsored by Skype — Use Skype Credit to call mobiles and landlines home and abroad at low rates. In these days of per-bag airline fees, we all want to travel light. And yet, friends seem compelled to send us on our way with bon voyage presents that weigh us down. If you must give more than a hug goodbye to a traveling friend, why not go with one of these weightless or lightweight ideas? 1. […]

Ask the Readers: What Is Your Favorite Budgeting Tool?

We all want to have an easier time managing our finances. That's where budgeting tools come in! They can be as high-tech as a money-tracking-app-doodad, or as simple as a pen and paper. […]

10 No-Stress Ways to Do More in Less Time

Sometimes I work too much. There, I said it. It shames me a bit, to be honest. But what really bothers me about that scenario, when it happens, is that I don't accomplish wonderful and amazing things. At all. Instead, I get really tired, and really grouchy, and I work more and more slowly and ineffectually so that I end up having to work even more. […]

The 5 Most Important Financial Lessons People Learn in Their 20s (Did You?)

Your 20s is a time for living life and discovering your path. It's also an incredibly important time to create a lasting effect on your finances. Financial planning isn't something you do when you get old; in fact, due to the financial lessons I learned in my 20s, I "retired" at 30 to travel full-time, knowing my financial future was safe because of what I did in my 20s. […]