Shopping http://www.wisebread.com/taxonomy/term/1/all en-US 10 Old Knick-Knacks You Can Flip for Easy Cash http://www.wisebread.com/10-old-knick-knacks-you-can-flip-for-easy-cash <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-old-knick-knacks-you-can-flip-for-easy-cash" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_11744294_MEDIUM.jpg" alt="flip these old knick-knacks for cash" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In August, I wrote about some of the <a href="http://www.wisebread.com/10-easiest-items-to-flip-for-cash">easiest items to flip for cash</a>. But one category of flippable finds deserves special mention: The knick-knack. If you're a thrift store shopper or estate sale hound like me, you see so many dust-catchers that it's tempting to lump them all together in the &quot;worthless clutter&quot; category. Not so fast. If you know what you're looking for, that wonderful kitsch can be worth cold, hard cash. Here are 10 knick-knacks that you can flip for easy money.</p> <h2>1. Bathroom Wall Art</h2> <p>If you're &quot;of a certain age,&quot; your parents or grandparents probably decorated their bathroom walls with little art sets of fish, seahorses, or mermaids. Well, those little sea creatures are hot items these days. In July, a pair of vintage chalkware mermaids sold for $131 online. So keep an eye out for brightly-colored sets made of chalkware (a type of molded plaster), ceramic, or Lucite.</p> <h2>2. Murano Glass</h2> <p>Murano glass is glass made by select factories on the Venetian island of Murano &mdash; a glass-making hub since the 11th century. Pieces from the 1950s and '60s are still easy to find in the U.S. and can be fairly valuable. Identifying Murano glass is tricky; collectors rely on paper labels, inscribed signatures of well-known makers, and stylistic qualities to determine authenticity. Earlier this month, an eight-inch Murano peacock sold for $190 on eBay.</p> <h2>3. Tiki Totems and Accessories</h2> <p>Tiki-inspired items decorate the basement bars of hipsters across the country. Look for drinking glasses, serving trays, ashtrays, and art &mdash; anything that captures the vintage Polynesian vibe.</p> <h2>4. Vintage Taxidermy</h2> <p>Few things scream kitsch like vintage taxidermy items. Depending on the subject matter and skill of the taxidermist, some pieces can go for hundreds of dollars. If you're selling online, it helps to stick to smaller pieces that can be packed and shipped easily.</p> <h2>5. TV Lamps</h2> <p>Like the name suggests, these lamps used to grace the tops of TVs in the middle part of the last century. By providing a bit of ambient lighting, they helped dispel early fears about potential eyesight damage from watching television in a completely dark room. Usually made of pottery and molded in the shape of animals (think panthers, horses, and birds) these little lights can bring $75-$125 online.</p> <h2>6. Concrete Garden Gnomes</h2> <p>Blame it on all those Travelocity commercials &mdash; America's affection for garden gnomes knows no bounds. Don't worry about missing paint or thick layers of moss. As long as the little creatures aren't cracked or broken, they sell well. In fact, a 20-inch vintage elf recently sold for $124.99 on eBay (plus shipping, of course!).</p> <h2>7. Mid-Century Fiber Optic Lamps</h2> <p>Funky fiber optic lamps from the 1960s and '70s are feeding collectors' hunger for all things mid-century. Look for lamps that work well and feature chrome bases (an indicator of age). Depending on size, models from companies like Fantasia Products or Cuda can bring $100-$400.</p> <h2>8. Trophies</h2> <p>Vintage trophies &mdash; particularly those from the 1920s-1950s &mdash; are highly prized by sports enthusiasts and decorators alike. Classic forms crafted of bronze, copper, pewter, or silver with bases made of stone or Bakelite (an early type of plastic) sell best.</p> <h2>9. Head Vases</h2> <p>Figural ceramic vases shaped like heads (almost always glamorous females) were all the rage in the '40s and '50s. Today, finely detailed examples by companies like Inarco, Enesco, or Lefton can rake in $100-$200.</p> <h2>10. Cat and Owl Figurines</h2> <p>In the wild world of knick-knack selling, you learn one truth early on: People absolutely love figurines of cats and owls. Chances are, if you stumble across an interesting figurine of either creature &mdash; regardless of the maker &mdash; you can flip it quickly for a respectable profit.</p> <p>Two cases in point: A not-so-special six-inch porcelain cat figurine with no maker's mark sold on eBay earlier this month for $33. And a seven-inch ceramic owl that I wouldn't have looked at twice brought $59. Trust me &mdash; the profit from cat and owl figurines alone could fund a modest retirement plan.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/10-old-knick-knacks-you-can-flip-for-easy-cash">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-old-kitchen-tools-you-can-flip-for-cash">9 Old Kitchen Tools You Can Flip for Cash</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-9-secrets-of-highly-successful-craigslist-sellers">The 9 Secrets of Highly Successful Craigslist Sellers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-easiest-items-to-flip-for-cash">10 Easiest Items to &quot;Flip&quot; for Cash</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-smart-garage-sale-bargain-hunting-tricks">13 Smart Garage Sale Bargain Hunting Tricks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Shopping flip for cash garage sale knick-knacks thrifting vintage items Fri, 23 Sep 2016 10:30:05 +0000 Kentin Waits 1798175 at http://www.wisebread.com 8 Ways Retailers Use Big Data to Track You http://www.wisebread.com/8-ways-retailers-use-big-data-to-track-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-retailers-use-big-data-to-track-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_93804837_MEDIUM.jpg" alt="retailers use big data to learn your shopping secrets" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Have you ever wondered how some retailers seem to have a sixth sense when it comes to the things you need, or want? How did they know you were looking for a pair of heels, or a crib? Was it incredible guesswork that they sent coupons for luggage just as you started planning a vacation? The answer is no. It's not luck, or guesswork, or a coincidence. Retailers have many methods available to them to learn, track, and take advantage of your <a href="http://www.wisebread.com/6-thinking-skills-frugal-people-should-master">personal shopping habits</a>. Here are eight that you may never have considered.</p> <h2>1. Store Loyalty Cards</h2> <p>Have you ever wondered why certain discounts and promotions are available only to loyalty card holders, when the cards are completely free to get? Well, this is one of the prime ways retailers &mdash; grocery stores in particular &mdash; can track your spending habits. You'll notice the effect instantly when the receipt machine spews out a whole bunch of coupons for you after you pay for your groceries. These are coupons based on what you have just bought, and what you have purchased in the past. And as the coupons are printed on demand, they are different for every customer.</p> <p>But it's not just about food and household supplies. When you buy a more expensive item, say a big screen TV, a carpet shampooer, or a piece of furniture, the store stores that data, too. Soon, you'll get email offers and mailed coupons for discounts on TV mounts, cleaning supplies, and furniture polish. If you've tied your loyalty card to an email and phone number, you could get coupons in your inbox, or as a text. And the more you shop, the more they know about you, and the more they can target you with specific offers designed to get you spending.</p> <h2>2. Your Phone Number</h2> <p>When you reach the checkout in many stores, you will be asked for your phone number. Most people just give it out without even thinking. If you ask why, you will probably be told something like, &quot;we just like to know where in the state our customers are coming from.&quot; While that's not untrue, there is way more to it than that. It's also another reason loyalty programs like to tie your phone number and email address to the card.</p> <p>Once you give up that phone number, you are handing over all of your purchasing information to the retailer. And if that retailer is very savvy, such as Target, they can analyze it with some sophisticated software to discover just what your future may hold, and how they can be there for you. Take the example of a young woman who was buying things that Target associates with an upcoming pregnancy (for example, cocoa-butter lotion, magnesium supplements, a large purse, and a powder blue rug). Target sent this girl a circular featuring a lot of maternity clothing and baby furniture. Her parents were furious, until they found out later that she was actually pregnant. As reported by Forbes, Target knew about the baby before the girl's own parents did. And Target also assigns every single customer with a &quot;pregnancy prediction score.&quot; Scary? Many people think so.</p> <h2>3. Your Smartphone</h2> <p>This is not about the phone number, but the technology used in your smartphone. Through a technique known as <a href="https://www.plotprojects.com/geofencing/">geofencing</a>, which uses Wi-Fi and/or Bluetooth, retailers are automatically alerted to your presence as you approach, enter, and browse the store. And once again, Target is one of those retailers that is on the cutting edge of this technology.</p> <p>If you have an app like Cartwheel installed on your phone, you may notice that offers pop up as you enter the Target store (or, after a few minutes of browsing). This is not a weird coincidence. This is all part of Target's strategy to get you spending more in their stores. And of course, as they already know a lot about your shopping habits, they can serve up the coupons and offers that are most likely to get you opening your wallet. Make a purchase using the app, and bingo, you have just given even more information to their database. Now they know not only what you're buying, but how effective their instant offers are; and they can tailor them to be even more successful in the future.</p> <h2>4. Free Wi-Fi</h2> <p>They say nothing is really free, and in this case, it applies to Wi-Fi. We all love free Wi-Fi because it prevents us from eating into our own data plans, and it's usually a lot faster than 4G. But there is a price to pay for it, and that price is information. It may seem very Orwellian, but these days, stores can use their Wi-Fi service and your phone to track your shopping habits in real-time while in the store. They know which aisles you're visiting first, which offers keep you occupied the longest, and can even trace the path you take from the entrance to the checkout.</p> <p>While it's harder (but not impossible) to capture this data on a person-by-person case, it is usually used as a research tool to help stores improve the shopping experience. If certain aisles are more successful than others, they will know why. If there are areas of overcrowding, they can be fixed. The aim is to get people spending more, and that is most likely to happen when the customer is happier in the store, and ready to peruse for a longer period of time. So the next time you use Wi-Fi anywhere from a bookstore to a warehouse store, remember&hellip; your every move could be tracked.</p> <h2>5. Website Cookies</h2> <p>If you don't know already, a cookie is a small piece of data stored on your computer, tablet, or phone by a website's server. It is used to help keep track of your movements within the site, and is usually very helpful. For instance, it can store the last page you visited, autofill forms, or provide suggestions based on your last visit. But, it can also assist the retailer behind the website, supplying them with information about your previous visits and purchases, your searches, and your overall shopping habits. This is often a benefit to you, as you may receive offers to entice you to buy something that you left in your shopping cart.</p> <p>It can also be used against you. A prime example is vacation searches. The more you search, be it for a hotel or flight, the likelier it is that the prices will actually go up. The sites know you're looking for a vacation, and when something is in demand, the price rises. By browsing anonymously, or using a VPN (virtual private network), you can stop that. Websites can also sell this cookie information to a third party, and it is common these days for sites to refuse entry if you turn off cookies. They want to know everything about you. You can also routinely clear you cookies, which may cause a few pages to load more slowly.</p> <h2>6. Purchasing Data</h2> <p>Quite often, you will see language like, &quot;We do not sell or share your information with third parties&quot; on websites, forms, and other methods of collecting your personal information. That's because it has become common practice for many retailers to store, collate, and sell the information of millions of customers for a profit. In the age of online retailing and phone shopping, big data is huge. The more retailers can know about you, the more targeted their campaigns can be. If a company wants to specifically focus on white males, ages 31&ndash;40, who smoke, drink, and subscribe to a sports package, they can buy that list. It can be expensive, initially, for retailers to buy this data, but it can really pay off because their message is laser-focused on the audience they want to reach.</p> <p>All of these methods mentioned above &mdash; including phone numbers, loyalty information, and website patterns &mdash; can be collected and sold. When they are in control of it, they can build on the data, creating a picture of you as a consumer that is so detailed, you may be shocked by its accuracy, and invasion of privacy.</p> <h2>7. CCTV Equipment</h2> <p>Smile, you're on camera. We are in the age of eyes in the sky, and big brother on every street corner. Cameras are also a major part of every store's infrastructure, and if you think they are only there to monitor shoplifters, think again.</p> <p>As The Guardian reported earlier this year, facial recognition software can determine who is entering the store, and how they are reacting to certain displays and promotions. If you're a guy with a beard, and there is an endcap devoted to grooming products, the retailer wants to know if you're reacting to it. As this technology develops, it will not be unusual to see specific ads targeted to certain consumers as they walk through the store. Expect to see ads for maternity products being displayed on LCD screens as a pregnant lady walks past, which change to ads for toys as a family with small children pass by the same area. This is not decades away; this technology is already being perfected. If it sounds like something from <em>Minority Report</em>, it's not far off.</p> <h2>8. Social Media</h2> <p>You probably have at least a Facebook account, and possibly Twitter, Instagram, Pinterest, SnapChat, and FourSquare. While these are all great ways to share information and keep in touch with friends, they are also a boon for retailers, who also have a massive presence on these platforms. Brands and retailers can push offers and information at you 24/7, and sophisticated software can help them interact with you. They know if you &quot;like&quot; certain products or advertisements. They provide links to let you instantly purchase products and services that have been sent to you. They give out rewards for sharing offers and coupons. And the more you do it, the more they learn about you and your habits.</p> <p>Some people have started multiple social media accounts &mdash; one for personal use, and one that does not share as much private information &mdash; for this very reason. You are being watched constantly on social media, and you are being targeted with specific offers based on data that has been collected.</p> <p>Be careful out there.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/8-ways-retailers-use-big-data-to-track-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-brands-with-the-best-warranties">6 Brands With the Best Warranties</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-sneaky-store-perks-that-make-you-overspend">4 Sneaky Store Perks That Make You Overspend</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-times-cash-is-not-king">8 Times Cash Is Not King</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-women-can-avoid-paying-the-pink-tax">4 Ways Women Can Avoid Paying the &quot;Pink Tax&quot;</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-times-you-should-demand-a-discount">8 Times You Should Demand a Discount</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping big data personal data retailers shopping habits shopping trends tracking Fri, 23 Sep 2016 09:30:21 +0000 Paul Michael 1798176 at http://www.wisebread.com 12 Everyday Money Tasks You've Been Doing Wrong http://www.wisebread.com/12-everyday-money-tasks-youve-been-doing-wrong <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-everyday-money-tasks-youve-been-doing-wrong" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_blindfold_cash_89353583.jpg" alt="Man learning money tasks he&#039;s been doing wrong" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You handle a lot of routine money tasks, and like most people, you probably haven't thought much about that routine. But these &quot;routine&quot; tasks are repeated over and over and can result in a lot of wasted money if not done efficiently. Here are some everyday money tasks that might be tripping you up:</p> <h2>1. You Pay Your Bills Before You Pay You</h2> <p>What's wrong with paying your bills first? If you pay your bills first, you only get to keep whatever is left for yourself &mdash; which may be little or nothing. If <a href="http://www.wisebread.com/pay-yourself-first-what-it-means-and-how-to-do-it">you pay yourself first</a>, you can ensure that you save and invest enough meet your goals, and then pay everyone else. What's the difference? First of all, putting money in savings first means it's a priority, and that's a powerful reminder that you are in control of your financial destiny. Second, leaving the money that doesn't go toward bills in easily accessible accounts let's you feel as if you have &quot;extra&quot; funds in your budget to spend on small purchases. When you save it first, you don't see it, so you won't spend it. Out of sight, out of mind works for saving instead of spending, too.</p> <h2>2. You Are a Rebel Without a List</h2> <p>If you go shopping without a list, you are likely to forget to buy things you need, and you're also likely to buy things you <em>don't</em> need based on what is on sale or what looks good at the time. A shopping list is especially helpful for groceries so you can buy all of the ingredients for meals you plan to make during the week. Using a list saves extra trips to the store, or dining out when you find you don't have anything to eat at home.</p> <h2>3. You Check Your Balance to See if You Can &quot;Afford&quot; Something</h2> <p>Checking to see how much money you have in your checking account &mdash; or even worse, your available credit card balance &mdash; to see if you can afford to buy something is a recipe for disaster. You are almost certain to spend more than you can really afford. Using a budget to plan expenses is the right way to see if you can afford something. If you can't afford something right now, you can set up a budget to allow you to save up.</p> <h2>4. You Do the Minimum</h2> <p>Making minimum payments on credit cards and other loans is expensive. You will end up paying a lot of interest that provides no benefit to you. For example, making minimum payments on a $3,000 credit card debt could take you <a href="http://www.wisebread.com/how-much-does-your-credit-card-debt-cost-you">16 years to pay off</a> and cost over $3,600 in interest alone! Paying more than the minimum will allow you to <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal">wipe out credit card debt</a> much faster and save you lots of money on interest that you can use to get ahead.</p> <h2>5. You Self Medicate With Retail Therapy</h2> <p>Some people go shopping as a fun activity or to help deal with depression or stress. &quot;Retail therapy&quot; is a very expensive way to achieve a short-term impact. Plus buying things you don't really need wastes the resources it took to manufacture and distribute the items, and the items take up space in your house. There are lots of constructive activities that are less expensive and avoid the problems that come with recreational shopping.</p> <h2>6. You Are Stuck With Checks</h2> <p>Writing checks is an inefficient way to pay for things. It takes time to write out a check, and you can make mistakes such as making it out to the wrong payee, misdating the check, or writing illegibly and having it rejected. Plus, you have to manually balance your checking account to keep track of checks you have written but have not yet cleared. Instead, use autoplay, electronic payments, and credit cards to make payments whenever possible.</p> <p>When I receive a check as payment, I use an electronic banking app on my phone to take a photograph of the check and deposit it instantly. This eliminates the possibility of losing the check and I avoid making a special trip to the bank.</p> <h2>7. You Don't Use Coupons Right</h2> <p>Some people think coupons are too much work and don't bother to use them at all. I take a low-impact approach to get the most benefit from coupons with the least time and effort. I hang on to coupons that will work on things I buy anyway. Coupons only work if you have them with you when you go shopping, so I put the good coupons in my wallet or in a small organizer that I keep in my car. You can get more impact from coupons by stacking them &mdash; use both a store coupon and a manufacturer's coupon on the same item to save even more.</p> <h2>8. You Are Overpaying</h2> <p>Lots of people overpay for things they buy every day. Buying snacks and drinks at a convenience store or vending machine is likely to be about twice as expensive as buying the same items at a grocery store. Buying coffee at a coffee shop instead of brewing it yourself costs about three times as much. With a little planning and effort, you can have the same items for much less money.</p> <h2>9. You Don't Match</h2> <p>I get this comment about my clothes a lot, but in this case I am talking about 401K matching funds. Many employers offer matching retirement investment funds. This means that for every dollar you put in, your employer will put in a dollar for free. If you are not getting the maximum company match, you are leaving free money on the table every payday.</p> <h2>10. You Aren't Bargaining Hard</h2> <p>There are a lot of situations where a <a href="http://www.wisebread.com/8-negotiating-skills-everyone-should-master">little bit of bargaining</a> can go a long way. When purchasing vehicles or used items, there is often a lot of room to bring the price down if you are willing to risk having your offer rejected. Sometimes even prices at retail stores be negotiated&mdash; I have talked my way into using expired coupons or getting an additional discount if there is something that looks wrong with an item I am interested in. I have also taken items back to get a price adjustment after an item has gone on sale.</p> <h2>11. You Buy Stuff You Want</h2> <p>I guess buying stuff you want is better than buying stuff you don't want, but you should really focus on buying stuff you need. There are lots of things I have wanted to buy but avoided. For example, in recent years I really wanted to buy a recumbent bike, a new computer, and a stool for my wood shop. I decided to ride my old bike, keep using my old computer, and I found a free stool for my shop. These were all things I wanted but didn't need, and I saved a lot of money by not buying stuff I wanted.</p> <h2>12. You Are Buying Your Broker a Big Yacht</h2> <p>You may not realize that you are paying your stockbroker or investment company every day to manage your retirement funds and other investments. Over the years, the difference between a 1% annual fee for an actively managed fund vs. a 0.1% annual fee for an index fund adds up to a lot of money. Check the fees you are paying on your investment accounts and move to less expensive options that have significantly lower fees.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/12-everyday-money-tasks-youve-been-doing-wrong">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-convince-a-store-clerk-to-give-you-a-deal">6 Ways to Convince a Store Clerk to Give You a Deal</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-100s-next-month-with-these-10-grocery-shopping-tips">Save $100s Next Month With These 10 Grocery Shopping Tips</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-coupon-rules-that-stores-let-you-break">4 Coupon Rules That Stores Let You Break</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/double-coupons-they-could-cost-you">Double Coupons – They Could Cost You!</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting Shopping checks coupons fees minimum payments negotiating organization overspending paying bills saving money shopping list Fri, 23 Sep 2016 09:00:05 +0000 Dr Penny Pincher 1796738 at http://www.wisebread.com The 5 Best Glass Cleaners http://www.wisebread.com/the-5-best-glass-cleaners <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-glass-cleaners" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/50095806.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your windows and glass surfaces can sparkle and shine with the right cleaner. By keeping your windows and mirrors clean, they can perform optimally, allowing you to see clearly.</p> <h2>What Is Glass and Window Cleaner?</h2> <p>Glass cleaner is formulated to cut through dirt, grease, grime, and smudges on windows and glass surfaces. If you&rsquo;re looking for a streak-free shine, take a look at the top glass and window cleaners below.</p> <h2>Top 5 Glass Cleaners</h2> <h3>Windex Cleaner</h3> <p><a href="http://amzn.to/2dhHn6P"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/windex.jpg" width="182" height="220" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in glass cleaner, <a href="http://amzn.to/2dhHn6P">Windex Cleaners</a> just can&rsquo;t be beat. There&rsquo;s a reason it&rsquo;s a household name. It can help you achieve a streak-free shine on all indoor and outdoor glass surfaces, including windows, shower doors, mirrors, stove tops, and more. It can cut through grime, soil, and smudges without a strong ammonia scent. This versatile two-pack features an angled tube design, allowing you to get more cleaner out of every bottle. Windex claims to be &ldquo;America's #1 glass cleaner&rdquo; and is recommended by AOL and About.com. If you prefer a foam application, consider the <a href="http://amzn.to/2cLapQO">Windex Foaming Glass and Surface Cleaner</a>. If you prefer wipes, consider the <a href="http://amzn.to/2d9vyPE">Windex Flat Pack Wipes</a>, which are also recommended by About.com. The <a href="http://amzn.to/2dhHeAj">Windex Outdoor Glass &amp; Patio Cleaner</a> is also commonly recommended for your outdoor needs.</p> <p><a href="http://amzn.to/2dhHn6P"><em>Currently $14.48 on Amazon</em></a></p> <h3>Sprayway Ammonia Free Glass Cleaner</h3> <p><a href="http://amzn.to/2d4Rlfy" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sprayaway.jpg" width="91" height="280" align="right" alt="" />Sprayway Ammonia Free Glass Cleaner</a> is a foaming cleaner that you can use on windows, mirrors, windshields, and other glass and plastic surfaces. The effective cleaner achieves heavy-duty cleaning action without ammonia. The foam clings and dries to leave a streak-free shine with no film. The four-pack of cleaner leaves behind a clean, fresh fragrance that most reviewers tend to like. It is recommended by NY Times and AOL, and has outstanding online reviews, including nearly 500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2d4Rlfy"><em>Currently $17.24 on Amazon</em></a></p> <h3>Method Natural Glass + Surface Cleaner</h3> <p><a href="http://amzn.to/2dhGbAs"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/method.jpg" width="175" height="245" align="right" alt="" /></a>If you&rsquo;re looking for a good natural, non-toxic cleaner, the <a href="http://amzn.to/2dhGbAs">Method Natural Glass + Surface Cleaner</a> is right for you. It can quickly, effortlessly remove dirt, dust, fingerprints, and smudges from windows, mirrors, and any glass surface. The green alternative uses ammonia-free plant-based powergreen technology for a streak-free shine. This two-pack of effective cleaners is less harmful and has a fresh minty scent that most reviewers tend to love. It is recommended by AOL, About.com, and GoodGuide, and has outstanding online reviews. Good Housekeeping found that it works well on glass, but can take longer to cut through grease.</p> <p><a href="http://amzn.to/2dhGbAs"><em>Currently $13.02 on Amazon</em></a></p> <h3>Invisible Glass Premium Glass Cleaner</h3> <p><a href="http://amzn.to/2cphc11"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/invisible%20glass.jpg" width="123" height="275" align="right" alt="" /></a>The professional tint-safe <a href="http://amzn.to/2cphc11">Invisible Glass Premium Glass Cleaner</a> can be used on glass, windows, mirrors, chrome, and even on car windows and the inside of a car windshield. The ClearDry formula removes oils, dust, dirt, grease, smudges, fingerprints, grime, and more in no time. It leaves a streak-free, haze-free shine with no film or residue. The multi-component formula is more powerful than most glass cleaners and contains no soaps, foams, scents, or dyes. The light scent fades, so you won&rsquo;t be left with a strong odor. It is recommended by NY Times and has outstanding online reviews, including more than 500 five-star reviews on Amazon. It is also backed by a money-back guarantee. If you prefer an aerosol spray can, consider the <a href="http://amzn.to/2dhGDPh">Invisible Glass Premium Glass Cleaner</a>.</p> <p><a href="http://amzn.to/2cphc11"><em>Currently $3.44 on Amazon</em></a></p> <h3>Glass Plus Glass Cleaner Trigger</h3> <p><a href="http://amzn.to/2dbz6pg" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/glass%20plus.jpg" width="123" height="275" align="right" alt="" />Glass Plus Glass Cleaner Trigger</a> works on indoor and outdoor surfaces, like glass, mirrors, stove tops, and stainless steel and granite surfaces. The multi-surface cleaner cuts through dirt, grease, and grime to leave a streak-free shine in no time. This affordable trigger spray cleaner is recommended by AOL and About.com, and has outstanding online reviews.</p> <p><a href="http://amzn.to/2dbz6pg"><em>Currently $6.49 on Amazon</em></a></p> <p>And those are our recommendations for the best glass and window cleaners. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-glass-cleaners">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-ceiling-fans">The 5 Best Ceiling Fans</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-cast-iron-skillets">The 5 Best Cast Iron Skillets</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-medications">The 5 Best Pet Flea Medications</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-dishwashing-gloves">The 5 Best Dishwashing Gloves</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-aluminum-and-stainless-steel-water-bottles">The 5 Best Aluminum and Stainless Steel Water Bottles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping 5 best cleaning products home product reviews shopping window cleaners Thu, 22 Sep 2016 09:30:27 +0000 Andrea Cannon 1797292 at http://www.wisebread.com Best Money Tips: What to Expect From Best Buy's Black Friday Sale http://www.wisebread.com/best-money-tips-what-to-expect-from-best-buys-black-friday-sale <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-what-to-expect-from-best-buys-black-friday-sale" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/best_buy_62256412.jpg" alt="Learning what to expect from best buy&#039;s black Friday sale" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on what to expect from Best Buy&rsquo;s Black Friday sale, big mistakes that destroy family relationships, and the best majors for a lucrative career.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/0917/What-to-expect-from-Best-Buy-s-Black-Friday-sale">What to expect from Best Buy's Black Friday sale</a> &mdash; Best Buy is one of the most popular places to shop on Black Friday. Here's what you need to know to score the best deals at Best Buy. [The Monitor]</p> <p><a href="https://www.lupgrade.com/making-6-big-mistakes-destroy-family-relationships/">Are You Making These 6 Big Mistakes That Destroy Family Relationships?</a> &mdash; Not inviting certain relatives to family functions is just mean. Not everyone can make it to every event, but it's important to extend the invitation even if you know they'll say no. [Life Upgrade]</p> <p><a href="http://www.kiplinger.com/slideshow/college/T012-S001-best-college-majors-for-your-career-2016-2017/index.html">10 Best College Majors for a Lucrative Career</a> &mdash; These majors tend to lead to fat paychecks, both right out of school and farther along your career path. [Kiplinger]</p> <p><a href="http://www.popsugar.com/career/Ways-Make-Money-Side-Full-Time-Job-35169831">14 Totally Doable Ways to Make Side Money With a Full-Time Job</a> &mdash; If you enjoy sports, you can coach or referee matches on the weekends. [PopSugar Smart Living]</p> <p><a href="http://fitzvillafuerte.com/8-things-happen-stay-long-comfort-zone.html">8 Things That Happen When You Stay Too Long In Your Comfort Zone</a> &mdash; The comfort zone feels familiar and easy, but it's also where you get complacent. Your skills won't improve and you won't find hidden talents that were just waiting for you to explore. [Ready To Be Rich]</p> <h2>Other Essential Reading</h2> <p><a href="https://blog.allstate.com/renters-6-autumn-safety-tips/">Renters: 6 Autumn Safety Tips</a> &mdash; Play it safe when you're celebrating Halloween. Lock your apartment even if you're just partying down the hall, don't let strangers into your building, and avoid sharing your plans on social media so that potential thieves don't know when you'll be out. [The Allstate Blog]</p> <p><a href="http://www.johnrothe.com/top-characteristics-millionaire-next-door/">Top Characteristics of the Millionaire Next Door</a> &mdash; Most millionaires today did not come from money, but many did start saving money early &mdash; as early as 14 years old! [Musings of a Money Manager]</p> <p><a href="http://everythingfinanceblog.com/18325/enjoy-beautiful-fall-foliage.html">6 Inexpensive Ways to Enjoy Beautiful Fall Foliage</a> &mdash; You don't need to plan elaborate and expensive outings. Take a small trip to the country and enjoy your fall surroundings. [Everything Finance]</p> <p><a href="https://unclutterer.com/2016/09/19/five-uncluttering-organizing-tasks-can-every-day/">Five uncluttering and organizing tasks you can do every day</a> &mdash; These are simple tasks that will help you keep your home clutter-free, every day. [Unclutterer]</p> <p><a href="http://www.easyways.net/6-easy-ways-sell-ebay/">6 Easy Ways To Sell On eBay</a> &mdash; Take a look at other sellers' listings and sales to get a feel for the competition and how items are being described. [easyWays]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-what-to-expect-from-best-buys-black-friday-sale">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-best-discount-shopping-days-of-the-year">7 Best Discount Shopping Days of the Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-stores-with-the-best-price-matching">10 Stores With the Best Price Matching</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/december-deals-that-are-better-than-black-friday">December Deals That Are Better Than Black Friday</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-score-a-black-friday-deal-without-leaving-home">6 Ways to Score a Black Friday Deal Without Leaving Home</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/early-holiday-shopping-why-i-finish-by-thanksgiving">Early Holiday Shopping: Why I Finish by Thanksgiving</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best buy best money tips black friday Wed, 21 Sep 2016 10:00:09 +0000 Amy Lu 1796575 at http://www.wisebread.com The 5 Best Dandruff Shampoos http://www.wisebread.com/the-5-best-dandruff-shampoos <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-dandruff-shampoos" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shampoo_shower_11091759_0.jpg" alt="woman using best dandruff shampoo" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Dandruff can be an embarrassing nuisance. Fortunately, with the right dandruff shampoo, you can quickly treat the problem without ever visiting a doctor. A wide range of issues, from dry weather to scalp sensitivity, can cause dandruff, so your best defense is to find an anti-dandruff shampoo that works for you.</p> <h2>What Is Dandruff Shampoo?</h2> <p>Dandruff shampoo is a hair care product that is designed to help relieve dandruff and prevent reoccurrence. It can also treat the itching, flaking, dryness, redness, and scalp irritation commonly associated with dandruff. It can also help remove product buildup and improve the health of your hair and scalp.</p> <p>For best results, use a dandruff shampoo twice per week. Dandruff shampoos can be drying, so you may want to use conditioner after each wash. You should also rotate a dandruff shampoo with your standard shampoo so that it isn&rsquo;t as drying. Dandruff shampoo may be too strong or drying for your hair, so you may need to experiment before finding something that works for your hair and scalp. We&rsquo;ve found some of the best shampoos available to get you started. (See also: <a href="http://www.wisebread.com/the-5-best-conditioners?ref=seealso">The 5 Best Conditioners</a>)</p> <h2>Top 5 Dandruff Shampoos</h2> <h3>Nizoral A-D Anti-Dandruff Shampoo</h3> <p><a href="http://amzn.to/2cFDt8R" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/nizoral.jpg" width="103" height="245" align="right" alt="" />Nizoral A-D Anti-Dandruff Shampoo</a> can help with dandruff outbreaks and other skin conditions that affect the scalp, like eczema and psoriasis. The active ingredient, ketoconazole, is an antifungal medication that controls flaking, scaling, itching, redness, and dryness. It can be used on all hair types, including color-treated, chemically processed, and gray hair, and has a thick, rich lather that rinses clean and leaves your hair smelling fresh and feeling thicker and stronger over time.</p> <p>This has outstanding online reviews, including more than 1,100 five-star reviews on Amazon. Many reviewers agree that while it is nonprescription, it works as well as many prescription treatments and can work where other shampoos have failed. However, many reviewers do not like the medicinal smell and find that it can be drying on the hair. It is an Amazon&rsquo;s Choice product and is recommended by Consumer Reports, Consumer Search, and AskMen.</p> <p><a href="http://amzn.to/2cFDt8R"><em>Currently $10.61 on Amazon</em></a></p> <h3>Neutrogena T/Gel Therapeutic Shampoo Original Formula</h3> <p><a href="http://amzn.to/2cFDI3R" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/neutrogena_7.jpg" width="100" height="275" align="right" alt="" />Neutrogena T/Gel Therapeutic Shampoo Original Formula</a> can treat all types of scalp conditions: dandruff, scalp psoriasis, seborrheic dermatitis, and eczema. It can even help treat scalp acne while maintaining a healthy scalp and leaving hair clean and manageable. The rich formula works on contact to help remove dandruff and product buildup, and offers lasting relief from scalp itching and flaking.</p> <p>It contains neutar (solubilized coal tar extract), which normalizes the scalp, slows the overproduction of skin cells on the scalp, and reduces potential inflammation. The salicylic acid clears scalp buildup and splits flakes into smaller, less visible pieces that can be washed away easily. The zinc pyrithione is an antifungal that helps diminish yeast on the scalp. It offers instant relief, is formulated for daily use, and is scientifically proven to work for hours. By using it just once a week, it can keep you dandruff-free for a whole week. The gentle scalp therapy solution is designed to eliminate flakes immediately, prevent new flakes from forming, and soothe scalp discomfort.</p> <p>This comes from the #1 Dermatologist Recommended Medicated Shampoo Brand. It has outstanding online reviews, including more than 800 five-star reviews on Amazon. Reviewers agree that it works even where other treatments have failed. However, there is a smell that many reviewers don&rsquo;t like and some find it to be drying. It is recommended by Consumer Search, Total Beauty, WebMD, and AskMen.</p> <p><a href="http://amzn.to/2cFDI3R"><em>Currently $13.99 on Amazon</em></a></p> <h3>Head &amp; Shoulders Dandruff Shampoo</h3> <p><a href="http://amzn.to/2d2RVdO" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/head%20and%20shoulders.jpg" width="101" height="275" align="right" alt="" />Head &amp; Shoulders Dandruff Shampoo, Instant Relief</a>, can work even where other dandruff shampoos have failed. It is formulated with tea tree essence and peppermint oil, so it can provide immediate cooling relief from uncomfortable itching and flaking. It can fight dry scalp, calm itchy scalp, relieve irritation, reduce redness, remove product buildup, and control dandruff. It is formulated to keep your hair clean and flake-free, while invigorating and soothing the scalp. It also lathers well and smells good (which is unusual for a dandruff shampoo) and is gentler than most dandruff shampoos. It can improve the health of your hair and scalp in just a few days, so your hair will look and feel great.</p> <p>The gentle, pH balanced formula can be used every day on all hair types, including on color or chemically treated hair. This has outstanding online reviews and many reviewers like it so much that they use it even after their dandruff has been treated. It is recommended by Consumer Reports, Consumer Search, Total Beauty, and WebMD. For even faster relief, consider using this together with the <a href="http://amzn.to/2d9aLAk">Head &amp; Shoulders Instant Relief Scalp Soother Treatment</a>.</p> <p><a href="http://amzn.to/2d2RVdO"><em>Currently $5.40 on Amazon</em></a></p> <h3>Selsun Blue Medicated Maximum Strength Dandruff Shampoo</h3> <p><a href="http://amzn.to/2d2Rxfb" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/selsun%20blue.jpg" width="108" height="245" align="right" alt="" />Selsun Blue Medicated Maximum Strength Dandruff Shampoo</a> is ideal for dandruff, seborrheic dermatitis of the scalp, eczema, and tinea versicolor. It is specially formulated to control the itching, flaking, and dryness associated with dandruff. The doctor recommended, medicated formula can produce noticeable results in just a couple of days, even for the toughest cases. The active ingredient, selenium sulfide, attacks dandruff at the root. It also contains menthol, which can help calm and cool a burning, itchy scalp. It can cleanse the hair and help improve the health of your hair and scalp in the process, leaving you with softer, more manageable hair.</p> <p>This has outstanding online reviews, but some reviewers did not like the medicated smell. Some reviewers found immediate relief and agree that this nonprescription shampoo works just as well as prescription medications. It is recommended by Consumer Reports, Total Beauty, WebMD, and AskMen.</p> <p><a href="http://amzn.to/2d2Rxfb"><em>Currently $10.84 on Amazon</em></a></p> <h3>Clear Shampoo, Complete Scalp Care Anti-Dandruff</h3> <p><a href="http://amzn.to/2csjP0A" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/clear.jpg" width="92" height="290" align="right" alt="" />Clear Shampoo, Complete Scalp Care Anti-Dandruff</a>, is clinically proven to relieve dandruff symptoms, including the associated itchiness, dryness, and flaking. It can help improve the health of the hair and scalp by restoring the scalp's natural moisture balance. It produces a rich lather and is enhanced by ingredients like cucumber and mint, so your hair feels soft and silky, looks shiny, and smells great. The active ingredient, zinc pyrithione, can eliminate flakes quickly. It also contains nutrium 10, an advanced moisture-rich complex of vitamins and nutrients, which nourishes the scalp and strengthens the natural scalp barrier. To keep the scalp healthy, it is also enriched with vitamins B5, C, and E, sunflower and soybean oils, and aloe vera.</p> <p>This has outstanding online reviews and is recommended by Total Beauty and Refinery29.</p> <p><a href="http://amzn.to/2csjP0A"><em>Currently $4.19 on Amazon</em></a></p> <p>And those are our recommendations for the best dandruff shampoos. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-dandruff-shampoos">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-shampoos-for-frizzy-hair">The 5 Best Shampoos for Frizzy Hair</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-repair-shampoos">The 5 Best Repair Shampoos</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-home-hair-dyes">The 5 Best Home Hair Dyes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-facial-masks">The 5 Best Facial Masks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-shampoos-for-colored-hair">The 5 Best Shampoos for Colored Hair</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best dandruff dandruff shampoo hair care product reviews shopping skin care Wed, 21 Sep 2016 09:30:26 +0000 Andrea Cannon 1796737 at http://www.wisebread.com 11 Dollar Store Buys That Are Almost Too Good to Believe http://www.wisebread.com/11-dollar-store-buys-that-are-almost-too-good-to-believe <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-dollar-store-buys-that-are-almost-too-good-to-believe" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_85579391_LARGE.jpg" alt="buying toothpaste at the dollar store" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A couple years ago, my wife and I took our three kids to the dollar store to do their Christmas shopping, and I vividly remember walking down the aisles wondering why the heck we don't shop there all the time. I ended up with a basket full of dollar deals and have been a regular ever since. Here are the 11 items that are total steals and you'd be crazy to buy anywhere else.</p> <h2>1. Toiletries</h2> <p>Often when shoppers think of items like shampoo, deodorant, and toothpaste from the dollar store, they think of generic products that don't work well. While the dollar store does have some generics, they also sell quality brands like VO5, Suave, and even Pantene from Dollar General.</p> <p>Toothpaste and deodorant are more of the same. Look for amazing deals on Colgate, Crest, Speed Stick, Degree, and Dial products. The savings are easily in the 60%&ndash;70% range when comparing the price to your local grocery store.</p> <h2>2. Household Tools</h2> <p>I'm talking about basic tools every homeowner or renter needs. Things like a screwdriver, hammer, wrench, and even a small hand-saw can all be found for a buck each. Are they going to be top quality? Well of course not, but for small jobs around the house that don't require the best, they do what you need them to do and provide a terrific value.</p> <h2>3. Cleaning Supplies</h2> <p>Quality cleaning product brands you can usually find at the dollar store include Lysol, Palmolive, and Comet. While the bottle size may be smaller than at regular retailers, the per-ounce cost at the dollar store will almost always beat other stores. This is even true when you consider coupons that you can use at stores like Walmart, Target, and grocery stores.</p> <h2>4. Pregnancy Tests</h2> <p>Yes, I said pregnancy tests. Turns out pregnancy tests from the dollar store are&nbsp;<a href="http://www.momjunction.com/articles/dollar-store-pregnancy-test_00388001/">99% accurate</a>. While name brand versions range from $9&ndash;$15, the dollar store alternative is a great value for essentially the same item.</p> <h2>5. Party Supplies</h2> <p>The next time you're planning your child's birthday party &mdash; or any party, for that matter &mdash; consider stocking up on party supplies at your local dollar store. Most have a fantastic selection of not only party decorations, but also plates, napkins, and plastic utensils all priced for under $1.</p> <h2>6. Reading Glasses</h2> <p>If you need a pair of reading glasses, you'd be crazy to not shop at the dollar store first. The quality is very similar to those you'll find at a drugstore, but at a fraction of the price. At the $1 price tag, you'd be smart to stock-up on a couple pairs, as they have a tendency to get lost or broken.</p> <h2>7. Storage Containers</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/475pARC6RE4" frameborder="0" allowfullscreen=""></iframe></p> <p>When it comes to organizing your closet, pantry, office bathroom, or even your garage, the dollar store is a <a href="https://www.youtube.com/watch?v=475pARC6RE4">great place to stock up</a> on storage and organizing products. From larger storage bins, to smaller organizing containers, you'll find a plethora of products to help you organize your home on the cheap. Many Dollar Tree locations even carry vacuum-sealed storage bags that are great for storing clothing that you won't be wearing until the following year.</p> <h2>8. Hair Accessories</h2> <p>Products like combs, brushes, hair scrunchies, bobby pins, hair ties, and the like, are a terrific value at the dollar store. Not only will they save you money, but they'll do the same job as more expensive versions found at department stores.</p> <h2>9. Greeting Cards</h2> <p>Shop for quality greeting cards at the dollar store and kiss $4.99 Hallmark cards goodbye. Keep in mind that what you write on the card, and any cool DIY tidbits you add to the card are what makes it special. The fancy cardstock, bows, and ribbons found on expensive cards do nothing but make American Greetings and Hallmark rich.</p> <h2>10. Wrapping Paper and Gift Bags</h2> <p>Since you're now buying greeting cards from the dollar store, you might as well stock-up on wrapping paper and gift bags, too. After all, a roll of wrapping paper typically costs $3&ndash;$5 and large gift bags are often priced similarly.</p> <h2>11. Books</h2> <p>Shh, don't tell my dad, but every Christmas I buy him a new hardcover book from our local dollar store. While many of the titles have been out at least a year or two, they typically have a nice selection of both nonfiction and fiction books. My dad is a bit of a history nerd, so the last couple years I found him books on the Civil War, along with a book chronicling the relationship between Ronald Reagan and Tip O'Neill. Needless to say, he loved them both.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/11-dollar-store-buys-that-are-almost-too-good-to-believe">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-even-more-freebies-in-exchange-for-a-review">How to Get Even More Freebies in Exchange for a Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-should-never-buy-at-the-dollar-store-and-10-you-should">10 Things You Should Never Buy at the Dollar Store (and 10 You Should)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily">Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/looking-on-the-bright-side-how-to-find-a-silver-lining-in-the-current-financial-crisis">Looking On The Bright Side: How to Find A Silver Lining In The Current Financial Crisis</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-47-best-back-to-school-shopping-hacks-ever">Flashback Friday: 47 Best Back-to-School Shopping Hacks Ever</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Shopping budgeting discounted items discounts dollar general dollar store Tue, 20 Sep 2016 09:30:21 +0000 Kyle James 1795985 at http://www.wisebread.com Live a Longer and Happier Life With These 8 Frugal Buys http://www.wisebread.com/live-a-longer-and-happier-life-with-these-8-frugal-buys <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/live-a-longer-and-happier-life-with-these-8-frugal-buys" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_74523869_MEDIUM.jpg" alt="these items help you live longer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Life has its ups and downs. Despite the problems we face, most of us would give anything to maximize longevity. Fortunately, there's plenty you can do to have a long, fulfilling life. Some things are fairly obvious, such as quitting a bad habit like smoking, and avoiding life-threatening behaviors. What you might not realize, however, is that certain purchases also have a hand in extending your lifespan. Here are eight things you can buy to help you live longer.</p> <h2>1. Books</h2> <p>After finishing high school or college, maybe you vowed never to pick up another book again. Reading was no doubt a grueling chore while you were cramming for an exam, but there are benefits to making reading a regular routine. According to a new study, <a href="https://www.theguardian.com/books/2016/aug/08/book-up-for-a-longer-life-readers-die-later-study-finds">reading can boost cognitive function</a>, and people who read for at least 30 minutes a day can extend their lives and live two years longer than those who don't read.</p> <h2>2. A Cat</h2> <p>If you're thinking about getting a pet, don't automatically assume a dog is the better choice. Some cats aren't as social or playful as dogs. Nonetheless, owning a cat can be good for your heart and have a positive effect on your life. The National Health and Nutrition Examination study followed 4,500 men and women over a 20-year period. More than half of the <a href="http://www.webmd.com/heart-disease/news/20080221/owning-a-cat-good-for-the-heart">participants owned a cat</a> during their lives. The study found that people who never had a cat were 30% more likely to die of cardiovascular disease than those who had owned a cat.</p> <h2>3. Floss</h2> <p>Brushing your teeth at least two times a day contributes to oral health. But if you're looking to add years to your life, don't forget to <a href="http://amzn.to/2cf5qo2">floss</a>. The American Dental Association recommends daily flossing, and for good reason. Flossing &mdash; which helps remove particles of food from places a toothbrush can't reach &mdash; can add as much as six years to your life. The <a href="http://www.today.com/health/there-s-little-proof-flossing-protects-your-teeth-or-gums-t101389">benefits of flossing</a> have recently been hotly debated, but not flossing increases the risk of gingivitis (inflammation of the gums). Gingivitis can lead to heart disease, stroke, and infection.</p> <h2>4. Sunscreen</h2> <p>Whether you're at the beach, an amusement park, driving in the car, or working in your garden, it's important to protect your skin from the sun's harmful rays with <a href="http://amzn.to/2cf4K2j">sunscreen</a>. Sunshine is an excellent source of vitamin D, but too much exposure can be deadly. Having more than five sunburns can double your risk for melanoma, the most dangerous form of skin cancer. Therefore,&nbsp;<a href="http://www.skincancer.org/prevention/sunburn/five-ways-to-treat-a-sunburn">always apply sunscreen</a> before exposing your skin to the sun, and reapply as directed.</p> <h2>5. Coffee</h2> <p>You don't have to feel guilty about starting your morning with a cup of Joe. Coffee can provide a much-needed energy boost to get through the day, and it can help you live longer. Researchers found that <a href="http://www.health.harvard.edu/blog/can-your-coffee-habit-help-you-live-longer-201601068938">coffee has antioxidants that protect our bodies</a> from damage. The beverage can reduce the risk of cancer, Alzheimer's disease, and type 2 diabetes. But it's important to drink in moderation. Too much caffeine also increases blood pressure and can cause sleep problems.</p> <h2>6. Bike</h2> <p>One or more days a week, ride your bike to work or while running errands. And if you have a regular exercise routine, incorporate cycling a few days a week. Researchers have found a&nbsp;<a href="http://www.uu.nl/en/news/dutch-bikers-live-six-months-longer">link between riding a bike and living longer</a>. For every hour you bike, you can add one hour to your life.</p> <h2>7. Blood Pressure Monitor</h2> <p>You probably don't give your blood pressure a second thought &mdash; but you should. High blood pressure is a silent killer because it increases the risk of stroke and heart disease. Rather than wait for a health crisis to learn you have high blood pressure, invest in a <a href="http://amzn.to/2cIGCXS">blood pressure monitor</a> and regularly check your levels to ensure they remain within a healthy range (less than 120/80 mm Hg).</p> <p>Blood pressure can fluctuate throughout the day, and you may have higher than normal readings after exercising or eating. If your numbers are consistently high, talk to your doctor. With lifestyle changes or medication you can lower your blood pressure and reduce the risk of early death.</p> <h2>8. A Wedding Ring</h2> <p>Maybe you're happy living a bachelor or bachelorette life. Even so, there are benefits to tying the knot. Not only can you enjoy companionship, a study conducted by Duke University Medical Center found that <a href="http://www.huffingtonpost.com/2013/01/10/marriage-research_n_2450639.html">people who never marry</a> were &quot;more than twice as likely to die early in life than those people in long-term, stable relationships.&quot; The study followed 4,800 people born in the 1940s. These findings support other studies, which found that married people had a lower risk of heart disease, Alzheimer's disease, and cancer.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/live-a-longer-and-happier-life-with-these-8-frugal-buys">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-exercise-videos">The 5 Best Exercise Videos</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ready-to-buy-some-exercise-equipment-read-this-first">Ready To Buy Some Exercise Equipment? Read This First.</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-kettlebells">The 5 Best Kettlebells</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping entertainment exercise extend your life green living health care Live Longer longevity marriage pets Mon, 19 Sep 2016 10:30:07 +0000 Mikey Rox 1794518 at http://www.wisebread.com 9 Old Kitchen Tools You Can Flip for Cash http://www.wisebread.com/9-old-kitchen-tools-you-can-flip-for-cash <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-old-kitchen-tools-you-can-flip-for-cash" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_53893396_MEDIUM.jpg" alt="flip these kitchen tools for easy cash" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Looking for some quick cash? Check your kitchen. There may be lots of treasure in there.</p> <p>If you love to cook, you are likely in possession of a lot of equipment &mdash; perhaps too much. Maybe it's time to declutter. What items are sought-after by collectors? Here are nine items that could fetch you some quick cash. Time to clean out the cupboards!</p> <h2>1. Fondue Sets</h2> <p>My mother had two fondue sets, one in gold and the other in a rusty red. Fondue was a 1970s party phenomenon, and my mom led the pack. She would put on meat fondue parties, cheese fondue parties, and top it off with chocolate fondue for dessert. I learned to light a Sterno can at an early age. Fondue parties are still fun, so if you want to dig your mom's set out and convince her to sell, you can probably get $20 to $30 for it.</p> <h2>2. Cookie Cutters</h2> <p>If you have only ever used plastic cookie cutters, you are missing out. Metal cutters are far superior, as they give cookies a more identifiable shape. Some are merely cookie outlines, and some &mdash; like my grandmother's &mdash; have a nifty handle on top. The older they are (the tin will be dark), the more valuable they become as collectibles. Not only are they practical, but they also look great just as decoration in a kitchen. Depending on age and condition of the cutter, you can resell for $3 a piece, and up.</p> <h2>3. Pyrex</h2> <p>I'm a total sucker for Pyrex casserole dishes and bowls, and am willing to fight to the death at a garage sale if I see them. They're so durable, work beautifully, and come in terrific patterns. If you have some, sell them and earn cash, or watch garage sales for popular patterns to resell. Keep an eye out for patterns known as Blue Dot, Gooseberry, Butterprint or Snowflake Blue, as these tend to be more popular.</p> <h2>4. Butcher Blocks</h2> <p>Even if they aren't in the best condition, you may be able to sell a butcher block for big bucks. &quot;Distressed&quot; is a trendy style, and they look great in both farm-style or modern stainless-steel kitchens. You may be able to fetch a fast $50 for a 10x20. Find one in rough shape? You may be able to <a href="https://www.youtube.com/watch?v=-DHMGQOEnqM">recondition</a> it before you sell it.</p> <h2>5. Crocks</h2> <p>With the resurgence of people making their own fermented food, like kimchi or sauerkraut, Crocks are all the rage. The most valuable are ones with salt-glaze finish (bumpy to the touch), or Crocks with decorations like flowers beneath the glaze, or ones with numbers stencilled on them. These can easily sell for over $100.</p> <h2>6. Cast Iron Skillets</h2> <p>There are actually conventions and meet-ups where people seek quality <a href="http://www.wisebread.com/the-5-best-cast-iron-skillets">cast iron skillets</a> like the Griswold line. Buyer beware, though &mdash; there are reproductions out there. Those are usually rustier, have fainter markings on the bottom, and are heavier than the real deal. These are a good thing to look for at garage sales to later resell. A 3&quot; skillet with a lid can bring in about $150.</p> <h2>7. Tin Products</h2> <p>Look for tin cups, scoops, graters, and containers to sell. While some may have a low resale value ($5), an old coffee tin may earn you about $20. You can put together several tin items and resell in a lot.</p> <h2>8. Dish Sets</h2> <p>Inherit a set of dishes you don't really love? You're not alone. My grandmother's Franciscan &quot;Apple&quot; pattern languishes in our attic. And if you don't want to pass them down to your kids, consider selling the set. Lennox's &quot;Eternal&quot; china will net you about $195, and Spode's old favorite &quot;Christmas Tree&quot; pattern can be found for $150 for a 20-piece set.</p> <h2>9. Mixers</h2> <p>Sunbeam mixers were built to last. And last. In good working condition, you can still sell them for between $30 and $90. I know in 1977 my mother decided hers was just too old-looking, and now it's considered &quot;retro.&quot;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/9-old-kitchen-tools-you-can-flip-for-cash">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-cast-iron-skillets">The 5 Best Cast Iron Skillets</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-measuring-spoons">The 5 Best Measuring Spoons</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-measuring-cups">The 5 Best Measuring Cups</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-ceiling-fans">The 5 Best Ceiling Fans</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-kitchen-dish-towels">The 5 Best Kitchen Dish Towels</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Home Shopping cast iron skillets clutter flip for cash fondue sets home goods kitchen tools pans pots Mon, 19 Sep 2016 09:30:26 +0000 Marla Walters 1794517 at http://www.wisebread.com 9 Things You Can Do Right Now for a Frugal Holiday Season http://www.wisebread.com/9-things-you-can-do-right-now-for-a-frugal-holiday-season <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-things-you-can-do-right-now-for-a-frugal-holiday-season" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_80107991_MEDIUM.jpg" alt="make theses moves now for a frugal holiday season" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you find yourself dreading the holidays a bit more each year? Does the prospect of crowds, long lines, and packed parking lots make your eyes glaze over? Does it take until December 24th of the following year to <a href="http://www.wisebread.com/how-to-bounce-back-from-your-holiday-splurge">recover from your holiday splurge</a>? If so, maybe it's time to tame the holidays by getting started early. Here are nine money-saving ways to prepare for the holidays now.</p> <h2>1. Build Your Budget</h2> <p>Using last year's spending as your guide, establish limits for gift-giving this year. Flexibility is essential; don't get too caught up in the per-person dollar amount. A few dollars more or less can help you take advantage of great deals and find the perfect gift (just make sure to not exceed your total spending maximum). (See also: <a href="http://www.wisebread.com/avoid-these-5-common-holiday-budget-pitfalls?ref=seealso">Avoid These 5 Common Holiday Budget Pitfalls</a>)</p> <h2>2. Stash More Cash</h2> <p>Add a few extra bucks to your holiday fund by skipping lunches out once or twice a week, or replacing your morning coffee run with a home brew. The extra cash will come in handy &mdash; and just may help you have a credit-card free Christmas.</p> <p>If you haven't set up a holiday fund yet, it's not too late. Sign up for a <a href="http://www.wisebread.com/christmas-club-accounts-are-they-worth-it">Christmas club account</a> at your local credit union or simply make automatic deposits to an existing savings account.</p> <h2>3. Choose Your Credit</h2> <p>Plan on charging some or all your gifts? Make sure your credit limit can handle it. Pay down excessive balances now so that you can absorb new charges without putting your monthly budget at risk or incurring late-payment penalties. Also, get the most out of your seasonal swiping by using only the best&nbsp;<a href="http://www.wisebread.com/read-this-to-maximize-your-rewards-and-cash-back-this-holiday-season?ref=internal">credit cards that offer shopping benefits and cash back</a>.</p> <h2>4. Make Your Lists</h2> <p>Making your gift lists now reduces deadline pressure later, and helps avoid impulse purchases that wreck so many holiday budgets. When making your list, focus less on what people need right now and more on what they'll need or want when the holidays roll around &mdash; then, let the bargain-hunting begin!</p> <h2>5. Make Your Gifts!</h2> <p>If your DIY gifts are of the non-food variety, now is the perfect time to get crafting. Explore our very own fresh and frugal <a href="http://www.wisebread.com/25-gifts-you-can-make-today">homemade gift ideas</a>, or get inspired by the countless projects featured on Pinterest. Once your creative juices are flowing, comb your local thrift store or craft center for bargain-priced supplies.</p> <h2>6. Hunt for Great Deals Online</h2> <p>There are great deals online year-round. Start scouting for bargains now or trying to find that obscure, out-of-print, out-of-stock, or antique item. By the time the holidays arrive, you'll have the perfect gift (for the perfect price) &mdash; wrapped and ready.</p> <h2>7. Shop Strategically</h2> <p>By shopping early, you not only beat the holiday rush, but you can also take advantage of seasonal discounts and avoid the heavy hit to your finances that often makes credit card use a tempting option.</p> <p>Instead of planning all-day trips to the mall, make casual holiday shopping part of your weekly routine. Stick to the items on your gift list, pick up fun stocking stuffers, and look for a few inexpensive, non-specific gifts you can have ready for unexpected guests.</p> <h2>8. Don't Forget the Extras</h2> <p>Wrapping paper, gift bags, tissue paper, bows, tape, and holiday greeting cards are just a few of the extras that can eat into your holiday bottom-line. Stock up on the basics like tape and tissue paper now while demand is low. And instead of using expensive seasonal paper this year, explore some creative and <a href="http://www.wisebread.com/10-affordable-ways-to-make-your-holiday-gifts-look-amazing">more affordable gift-wrapping ideas</a>.</p> <h2>9. Give Back</h2> <p>Holiday parties can be fun, but why not blend your celebration with a charitable activity? Start planning now. You can coordinate a group outing to serve food at a local homeless shelter, organize a <a href="http://www.toysfortots.org/default.aspx">Toys for Tots</a> toy drive where you work, or plan a book drive for <a href="http://booksthroughbars.org/">Books Through Bars</a> or the <a href="http://prisonbookprogram.org/">Prison Book Program</a>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/9-things-you-can-do-right-now-for-a-frugal-holiday-season">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buy-these-9-christmas-gifts-now-and-save">Buy These 9 Christmas Gifts Now and Save</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/december-deals-that-are-better-than-black-friday">December Deals That Are Better Than Black Friday</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-saved-3190-with-a-50-hdtv-antenna">How I Saved $3,190 With a $50 HDTV Antenna</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/christmas-club-accounts-are-they-worth-it">Christmas Club Accounts: Are They Worth It?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping christmas shopping holiday season holiday shopping saving money Fri, 16 Sep 2016 10:00:12 +0000 Kentin Waits 1793853 at http://www.wisebread.com The 5 Best Dishwashing Gloves http://www.wisebread.com/the-5-best-dishwashing-gloves <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-dishwashing-gloves" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_washing_dishes_53626746.jpg" alt="Woman using the best dishwashing gloves" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The perfect pair of dishwashing gloves can be submerged in hot water, prevent drip back, and protect your hands from the dirty job of dishwashing duties. They will allow you to get the job done faster, with less mess.</p> <h2>What Are Dishwashing Gloves?</h2> <p>Dishwashing gloves are a must-have if you want to protect your hands from hot water, chemicals, and anything else you may come in contact with when cleaning. They&rsquo;re also great for painting, gardening, and other dirty jobs. For best results, you&rsquo;ll want to find gloves that fit well, feel comfortable, and can last for months.</p> <h2>Top 5 Dishwashing Gloves</h2> <h3>Playtex Prod Living Small Household Rubber Gloves</h3> <p><a href="http://amzn.to/2csZWcz"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/playtex.jpg" width="128" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2csZWcz">Playtex Prod Living Small Household Rubber Gloves</a> are made of latex, neoprene, and nitrile for strength and durability. The high-quality gloves have a tapered design and don&rsquo;t have a strong smell. They have a soft cotton flocked lining for added comfort and a better fit. They feature a protective drip-catch cuff that folds down to keep your hands and arms dry. The three-layered design offers antimicrobial protection so the gloves stay fresh, resist mold and mildew, and can protect your hands from chemicals and hot water. They have an anti-slip pattern, reinforced fingertips and palms, and double dip construction for a more secure grip and dexterity.</p> <p>This three-pack of gloves is recommended by Good Housekeeping and About.com. The <a href="http://amzn.to/2ciCgo8">Playtex HandSaver Gloves</a> are another highly recommended, reliable set of gloves.</p> <p><a href="http://amzn.to/2csZWcz"><em>Currently $9.49 on Amazon</em></a></p> <h3>Mr. Clean Bliss Premium Latex-Free Gloves</h3> <p><a href="http://amzn.to/2d2J4Fh"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/mr%20clean.jpg" width="134" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2d2J4Fh">Mr. Clean Bliss Premium Latex-Free Gloves</a> are strong, thick, flexible, and durable. The plush cotton lining makes them soft, comfortable, and easy to slide on and off. They are safe to use in hot water and won&rsquo;t make your hands sweat. They have an embossed palm and textured pattern, which provides a better grip. They have a 12-inch long cuff, so your arms stay dry and protected while cleaning.</p> <p>These are recommended by Real Simple. They are safe for those allergic to latex. The <a href="http://amzn.to/2csZoTJ">Mr. Clean Duet Reusable Latex Gloves</a> are Amazon&rsquo;s #1 best-seller in latex gloves and another highly recommended option.</p> <p><a href="http://amzn.to/2d2J4Fh"><em>Currently $4.99 on Amazon</em></a></p> <h3>Casabella Premium Water Stop Gloves</h3> <p><a href="http://amzn.to/2cZBlvI"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/casabella.jpg" width="134" height="245" align="right" alt="" /></a>The thick latex <a href="http://amzn.to/2cZBlvI">Casabella Premium Water Stop Gloves</a> are very durable, sturdy, and flexible. They are tapered for a perfect fit and feature soft cotton flocked lining, allowing you to easily slip the gloves on and off. The premium gloves are non-toxic, non-irritating, 100% natural, and breathable, so they can work even on sensitive skin. The non-slip textured surface provides a safe grip for easy cleaning. The patented extra-long cuffs turn up to catch liquids, so your hands, arms, and sleeves stay dry.</p> <p>The durable WaterBlock premium gloves are designed to last for months. They are frequently recommended online and have outstanding reviews.</p> <p><a href="http://amzn.to/2cZBlvI"><em>Currently $12.99 on Amazon</em></a></p> <h3>DefenderX Premium Household Laundry Dishwashing Rubber Gloves</h3> <p><a href="http://amzn.to/2cDkPw6"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/defenderx.jpg" width="202" height="220" align="right" alt="" /></a>The high-quality <a href="http://amzn.to/2cDkPw6">DefenderX Premium Home Wide Mouth And Long Flower Velveteen Antiskid Household Laundry Dishwashing Rubber Gloves</a> are soft, durable, comfortable, and waterproof. The latex gloves have cotton flocked lining, so they can be easily slipped on and off. They are stylish and feature a two-color design. They are eco-friendly and can safely come in contact with fruit, medicine, and clothing. They have anti-skid particles and a grip-contour shape for better grip.</p> <p>The long sleeves feature extra-long cuffs, which will keep you warm and can turn up to catch drips and keep the inside of the gloves dry. They make normal household chores a cinch because they can keep your arms protected up to the elbow. They can safely come in contact with detergents and cleaning products. They don&rsquo;t have a strong smell and are safe even for sensitive skin.</p> <p>These are designed to last up to 10 times longer than ordinary gloves. They have outstanding reviews and are backed by a 100% satisfaction guarantee.</p> <p><a href="http://amzn.to/2cDkPw6"><em>Currently $9.94 on Amazon</em></a></p> <h3>Best Clean Premium Nitrile Latex-Free Dishwashing Gloves</h3> <p><a href="http://amzn.to/2d2K2Bq"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/best%20clean.jpg" width="173" height="220" align="right" alt="" /></a>The reusable <a href="http://amzn.to/2d2K2Bq">Best Clean Premium Nitrile Latex Free Dishwashing Gloves</a> feature chemical and cut-resistant nitrile rubber, which is 15 mils thick for dexterity. The sturdy, durable latex-free, vinyl-free gloves have odor-resistant flock lining. The slip-resistant texturing ensures a better grip for easier cleaning. These have great reviews and are backed by a 90-day guarantee.</p> <p><a href="http://amzn.to/2d2K2Bq"><em>Currently $10.37 on Amazon</em></a></p> <p>And those are our recommendations for the best dishwashing gloves. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-dishwashing-gloves">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-cast-iron-skillets">The 5 Best Cast Iron Skillets</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-glass-cleaners">The 5 Best Glass Cleaners</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-medications">The 5 Best Pet Flea Medications</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-aluminum-and-stainless-steel-water-bottles">The 5 Best Aluminum and Stainless Steel Water Bottles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping 5 best cleaning gloves dishwashing gloves product reviews rubber gloves shopping Fri, 16 Sep 2016 09:30:32 +0000 Andrea Cannon 1794237 at http://www.wisebread.com 7 Signs You Have a Serious Spending Addiction http://www.wisebread.com/7-signs-you-have-a-serious-spending-addiction <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-signs-you-have-a-serious-spending-addiction" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_money_wallet_86784517.jpg" alt="Man learning signs he has a spending addiction" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all splurge once in awhile, buying that extra pair of shoes or that top-of-the-line laptop computer that we didn't really need.</p> <p>But what if your splurging was something more? What if your splurges were a sign of a deeper shopping addiction?</p> <p>Shopping addiction might sound like a fake condition, but it's real. The World Psychiatric Association refers to it as compulsive buying disorder, or CBD. According to the association, CBD is characterized by excessive shopping and buying decisions that lead to either remorse or, even worse, prevent you from paying your bills, socializing, or interacting with your family members.</p> <p>The association says that 5.8% of the U.S. population battles this condition throughout their lives.</p> <p>How do you know if you are suffering from CBD? Here are seven clues that your shopping is more than just a fun diversion:</p> <h2>1. You Hide Your Purchases</h2> <p>We're supposed to buy items to use them. But those suffering from shopping addiction often hide their purchases deep inside bedroom closets, under their beds, or in other hiding spots. Why? They are hiding their purchases from a spouse, partner, or family member. Those suffering from shopping addictions often want to hide the evidence of their overspending. This is one of the top warning signs of a spending addiction.</p> <h2>2. You Constantly Break Your Household Budget</h2> <p>Each month, you vow to keep your spending within the budget you've set for your household. But every month, your spending shatters your careful plans. You might feel remorse over this, but you overspend every month anyway. This inability to stick to a spending plan is another of the key signs that your shopping habits are out of control.</p> <h2>3. Your Overspending Happens All Year Long</h2> <p>It's easy to overspend during certain times of the year, such as during the winter holidays. Overspending all year long, though, is a more serious sign of a serious spending addiction. The World Psychiatric Association makes it a point to say that compulsive buying disorder isn't just a seasonal problem; it's a yearlong spending pattern.</p> <h2>4. You Buy Items You Don't Need</h2> <p>Do you come home from a shopping trip with bags full of clothing you'll never wear or electronics that you'll never use? Buying items that you neither want nor need is another sign that your shopping habits are out of control.</p> <h2>5. You Can't Buy Just One</h2> <p>Buying one pair of jeans isn't so bad. Coming home with a dozen? That's troubling. Buying items compulsively is another big sign of a shopping addiction. If you can't just buy one pair of shoes, and instead feel compelled to buy eight &mdash; that's a good sign that your shopping is controlling you instead of the other way around.</p> <h2>6. Remorse</h2> <p>How often do you feel remorse or guilt when returning home after a shopping spree? If it's often, you might be struggling with a spending addiction. The World Psychiatric Association says that remorse is one of the top signs exhibited by consumers who are not in control of their spending habits. You should be able to return from a shopping trip pleased with your purchases. If you're feeling the opposite, it might be time to seek help from a therapist.</p> <h2>7. You're Anxious When You're Not at the Store</h2> <p>Finally, if you often find yourself anxious when not spending, you might be suffering from a significant spending addiction. You should be able to relax and enjoy the time you're not spending at the stores. If this contentment eludes you, and if instead you are constantly planning out or imagining your next visit to a shopping mall, you might be a sufferer of CBD.</p> <h2>Where to Turn for Help</h2> <p>If you do feel you may have a problem with shopping addiction, you have several options. Donald Black MD, a professor of Psychiatry at the University of Iowa College of Medicine, told WebMD that there are no medications or standard <a href="http://www.webmd.com/mental-health/addiction/features/shopping-spree-addiction?page=3">treatments for shopping addiction</a>, and that some doctors seek to treat underlying depression with antidepressants or behavior modification therapy. Ultimately, Black said, behavior change is necessary. Other doctors interviewed told WebMD that suffers should seek help from groups like Debtor's Anonymous or local credit counseling agencies, as well, as most shopping addicts are heavily indebted.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/7-signs-you-have-a-serious-spending-addiction">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-stop-your-mindless-spending">5 Ways to Stop Your Mindless Spending</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-avoid-buyers-remorse">6 Ways to Avoid Buyer&#039;s Remorse</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-tip-do-not-spend-when-you-are-sad">Frugal Tip: Do Not Spend When You Are Sad</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-terrible-money-situations-you-need-to-stop-getting-yourself-into">6 Terrible Money Situations You Need to Stop Getting Yourself Into</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-let-lizard-brain-derail-your-finances">Don&#039;t Let &quot;Lizard Brain&quot; Derail Your Finances</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Shopping cbd compulsive buying disorder Help overspending psychology shopaholic spending addiction therapy wasting money Fri, 16 Sep 2016 09:00:06 +0000 Dan Rafter 1793092 at http://www.wisebread.com 6 Thinking Skills Frugal People Should Master http://www.wisebread.com/6-thinking-skills-frugal-people-should-master <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-thinking-skills-frugal-people-should-master" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_thinking_blue_84408167.jpg" alt="Frugal woman mastering thinking skills" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;Think before you speak&quot; is a lesson most of us have learned well over the years. However, &quot;Think before you buy&quot; is just as important to the frugal shopper. It's not just a case of questioning the reasons you're spending money, but also weighing up hidden costs, wants and needs, and even the usefulness of the item. Here are six thinking skills you can adopt today that can help you become an even better frugal shopper.</p> <h2>1. The 80/20 Rule (Pareto's Principle)</h2> <p>You may well have heard this before, and it has been around for over 100 years. The rule suggests that, for many events in life, 80% of the effects come from 20% of the causes. So, how does that apply to you, and your frugal life?</p> <p>Well, for a start, take a look at your wardrobe. Almost all of us wear around 20% of the items in our closet approximately 80% of the time. Go in there tonight, and do a little stocktaking; the things you wear regularly, versus the things you hardly ever wear. Is there any point in having those rarely worn items around? It's highly likely you can sell or donate those items, and build your closet based on the items you wear most of the time (such as Steve Jobs filling his closet with black polo shirts and blue jeans).</p> <p>If you sell items on eBay or Etsy, 80% of your business will come from 20% of your clients. So, you should use this information to keep them happy. Used more broadly, the 80/20 rule can help in other ways. When grocery shopping, 80% of the stuff in your cart should be devoted to &quot;clean eating,&quot; such as fresh fruits and veggies, with 20% being more of the treats and packaged goods. And 80% of the items you buy should be on sale, if you can spend the time hunting for bargains. And 20% of your paycheck should go straight into a savings account. What's more, you spend 20% more when using a credit card, as opposed to cash or checks, so keep that in mind.</p> <h2>2. Always Put a Price on Your Time</h2> <p>You know the expression &quot;Time is money,&quot; but how often do you apply it to your own life? It is vital to figure out exactly what your own time is worth, and using it as an anchor point whenever you think you are saving money by doing it yourself. (See also: <a href="http://www.wisebread.com/the-psychology-of-money-how-a-t-shirt-equals-a-taco?ref=seealso">How a T-shirt Equals a Taco</a>)</p> <p>For instance&hellip; washing the car. For the longest time, I used to wash my own car. It would take a good hour to do it properly. The local gas station charges $8 for a decent wash when filling up the tank. I realized my time is more valuable than $8/hour, which is barely minimum wage, and let's not forget the materials that have to be purchased to keep the car clean. So, I stopped washing my own car.</p> <p>Some people will spend hours clipping coupons, and yet, they forget to use them, or the savings add up to only a few bucks. What did that time actually cost? What else could have been achieved? DIY jobs around the house can go either way. Sometimes, it is clearly worth your time to do something over paying a professional, such as changing a washer or even mowing the lawn. But on other occasions, stop and think first. If you're about to tackle building your own deck, or laying a floor, figure out the cost of hiring a professional, and then figure out how long it will take you to do the same job. Which is the better deal? If it takes you 80 hours, would that have been time better spent doing something else?</p> <p>If you buy and sell items on eBay, you may be making a small profit. But, have you factored in your own time? If it takes hours each day to list the items, photograph them, package them up, and get them mailed out, does that eat into your profits? Are you really only making a few bucks an hour? Your time is valuable, and you should think of it like that whenever possible.</p> <h2>3. Look After the Pennies &mdash; The Dollars Will Take Care of Themselves</h2> <p>Don't think of those expenses that cost a dollar or less as something trivial, because they add up quickly. A candy bar here, a small coffee there, and before you know it, those tiny purchases are eating away at your bank account like termites in a 19th century cabinet. So, get into the habit of tracking your smaller expenditures, and repeating the &quot;look after the pennies&quot; mantra whenever you are putting low-cost items into your shopping cart. It may only be 69 cents, but is it worth it? Do you need it, or just want it? A good way to do this is to pay cash for anything that costs less than one dollar; you'll be amazed at how quickly that $20 bill disappears, whereas swiping a card each time doesn't have the same instant impact on your wallet.</p> <p>You should also do your best to save that small change. An app like <a href="http://track.linkoffers.net/a.aspx?foid=26166697&amp;fot=9999&amp;foc=1">Acorns</a> will literally take care of those pennies for you, putting your small change into a savings account, or an investment. What's more, never be afraid to haggle over pennies. Most of the time, people won't fight you, especially on an item costing $100. So, you ask if you can pay $99.20, and pocket the 80 cents. Do that enough times during the month, and your pennies are quickly turning into dollars. It can seem like a lot of work for small rewards, but remember&hellip; they add up. It's not simply 10 cents here, and 20 cents there. It's all adding to a pile that can make a big difference.</p> <h2>4. Keep One Eye Fixed on the Future</h2> <p>Many people who live for today (or YOLO), do not have the future in mind. This can lead to overspending from things like impulse buys and extravagant purchases, and eventually, a lack of funds in savings and retirement accounts. Whether you're 19 or 69, you should have one eye firmly fixed on the future, and it should be something you think of regularly.</p> <p>One such example is growth.</p> <p>Money, when combined with compound interest, can grow and grow over time. A small investment today can turn into many thousands of dollars in the future. Of course, when that future is 40 years away, it's hard to think about the impact of a few dollars here and there, but it really does make a vast difference.</p> <p>When buying big-ticket items, consider the future. Is this going to be something you use on a daily basis, or are you buying it on a whim? Fitness equipment is a prime example of this. The dedication and effort required should be there before spending thousands on high-end machines. If you are not committed now, the shiny new exercise bike or rowing machine won't change that. It may get used for a week, but chances are, it will be at next year's garage sale.</p> <p>And think about money being spent today, and how it could impact your future. Are you spending it wisely? Would it be better off in a savings account? What are you sacrificing in your future to have things now? It may radically change the way you spend today.</p> <h2>5. Question Value for Money</h2> <p>There's an expression; &quot;Buy cheap, buy twice.&quot; There's another expression; &quot;A fool and his money are easily parted.&quot; These two philosophies can sometimes be at odds with each other, especially when comparing the prices of two similar purchases. A pair of shoes that costs $100 may last you four to five years, whereas a pair of shoes costing $400 may last a lifetime. However, will you still want those same shoes 30 years from now, or will they be completely out of fashion? If that's the case, the cheaper pair is probably your better bet. They may not last as long, but you don't want them to.</p> <p>However, the same cannot be said of a major appliance. The $300 dishwasher may do everything you want, but will it last? The $800 dishwasher has the same features, but it's made with superior parts, and will last many years longer than the budget model. In this case, you are better off paying for the more expensive model.</p> <p>This can apply to almost every purchase you make. Is it worth spending the extra $1 to go from generic ketchup to Heinz? Some people say yes, others say it's a waste. Check the weight of the items on the grocery shelves, too. Perhaps the brand name package of cereal is actually cheaper than the generic, but you may discover the generic weighs twice as much. A plumber that costs half as much as one you have used in the past may take twice as long. Or, the work may be substandard, and will need to be fixed again. However, it may be that the cheap plumber gets incredible ratings and simply charges less than the others because he or she has less overheads. Whatever you are buying, even if it's a service, question the value.</p> <h2>6. Examine Your Wants and Needs</h2> <p>Frugal thinkers have mastered the separation of the wants and the needs. Learn to do it, and you can save a fortune. Sometimes, it's an open and shut case. You need milk. You need gas for the car. You need dog food. But even in those situations, there are wants as well. You need milk, but want the most expensive brand. You need gas, but want premium. You need dog food, but want organic. You have to assess the additional costs, and whether they are worth paying simply because you want it.</p> <p>Of course, things get a little more tricky when it comes to other expenses. You need a car. But you want a new one, not a used one. There are good reasons for having both. You want to buy instead of leasing. There, your wants may well be justified, or they may not be. So, you have to employ an online calculator, and figure out why you want to buy, and what the pros and cons are of each method. It may turn out your wants and needs are in perfect sync, or that your wants are impossible on your budget.</p> <p>When you buy clothing, what do you need, and what do you want? You need shoes, but do you need $500 Guccis? Probably not. However, when weighing up a pair of work boots that cost twice as much as the most popular brand, but have much better protection, you may need to spend the extra money.</p> <p>Wants versus needs should be top of mind whenever you open your wallet or purse. From buying takeout to getting a four-bedroom house, analyze it. Is it a want, or a need? This thinking strategy can save you a small fortune.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/6-thinking-skills-frugal-people-should-master">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/23-money-saving-items-everyone-should-own">23 Money-Saving Items Everyone Should Own</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-cant-save-if-you-dont-try">You Can’t Save if You Don’t Try</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/in-times-like-these-separate-the-want-from-the-need">In times like these, separate the want from the need.</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-tip-do-not-spend-when-you-are-sad">Frugal Tip: Do Not Spend When You Are Sad</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew">How To Make Your Own Soda, Tidy A Room In Three Minutes, Cure A Hangover And Become A Movie Extra. Phew!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Shopping advice hidden costs saving the future thinking skills time management value wants vs needs Thu, 15 Sep 2016 10:00:09 +0000 Paul Michael 1793089 at http://www.wisebread.com 14 Secrets to Saving on Eyewear http://www.wisebread.com/14-secrets-to-saving-on-eyewear <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-secrets-to-saving-on-eyewear" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_wearing_glasses_86229369.jpg" alt="Woman learning secret ways to save on eyewear" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Eyeglasses and contact lenses are a necessity for more than 150 million Americans. Unfortunately, eyewear is not a cheap purchase &mdash; so we've compiled some tips to help save you money on the cost of glasses and contacts.</p> <h2>1. Purchase Your Glasses Online</h2> <p>Along with enjoying huge savings on your new set of glasses, you can also take advantage of online services to ensure that the glasses look right with your style. This will allow you to casually try the glasses on at home so you can take your time choosing the right ones. Once you find the right pair, they will likely be shipped in no time (even faster than you would get them at the optician's office.)</p> <p>If you have issues like astigmatism, you may not be able to shop online and it might more prudent to have your doctor custom fit you for the right pair of glasses. You may also want to have a professional help you at an optical store and once you find the glasses you like, you can search for the frames online for the best deal. (See also: <a href="http://www.wisebread.com/should-you-ever-buy-eyeglasses-online?ref=seealso">Should You Ever Buy Eyeglasses Online?</a>)</p> <h2>2. Purchase Your Contact Lenses Online</h2> <p>Websites like <a href="http://1800contacts.com">1-800 Contacts</a> can save you money on your contacts, compared to what you would pay at your optician's office. You can also often get discounts if you purchase more than one box of contacts at a time. Buying in bulk will also save you money on shipping and allow you to lock in today's rate.</p> <h2>3. Find Trial Offers</h2> <p>Certain contact lens providers, like Acuvue and Dailies, will offer free trial lenses, so you can try them before you buy them. This will help ensure that the contacts fit comfortably, so you know you'll get your money's worth.</p> <h2>4. Look for Online Deals</h2> <p>Take advantage of online coupons and deals from services like Groupon. This can save you quite a bit of money on glasses, contacts, and even your eye exam. Just make sure to read the details thoroughly as some coupons only cover the cost of the frames, and you will have to pay for the lenses out-of-pocket.</p> <h2>5. Ask for a Price Match</h2> <p>Many optical shops will offer a price match, if you ask. Some shops will even offer a price match and a rebate, so you'll actually spend less than you would online.</p> <h2>6. Keep the Same Lenses or Frames</h2> <p>If your lenses are still in good shape and you still have the same prescription, consider reusing them in a new frame. Many optical shops will help you find a similar style frame and can apply your old lenses so it looks like a new pair of glasses.</p> <p>The same rule holds for your frames. If you like your frames, but your prescription has changed, take advantage of a <a href="http://www.replacementlensexpress.com/">prescription eyeglass lens replacement service</a> that will replace the lenses in your existing frames.</p> <h2>7. Opt for Cheaper Glasses</h2> <p>If you tend to wear contacts and only reach for your glasses when you're home, then you don't need to spend a lot on designer glasses. Instead, opt for the cheaper glasses since no one will see them anyway.</p> <h2>8. Don't Replace Your Glasses Every Year</h2> <p>If you don't need to replace your glasses, then it's best to just keep the same pair for as long as you can. After all, it can take a lot of time and energy to find the perfect glasses, so why replace them after only a year?</p> <h2>9. Skip the Add-Ons</h2> <p>Unless your prescription is above +/- 3.00, professionals recommend skipping the add-ons like antireflective coating, light adjusting lenses, or high index or ultrahigh index lenses. Skipping these add-ons can save you quite a bit of money and won't really make a difference in the long run.</p> <h2>10. Shop at Costco</h2> <p>According to Consumer Reports, Costco received the <a href="http://www.consumerreports.org/cro/eyeglass-stores/buying-guide.htm">highest overall satisfaction rating</a> of any eyeglass retailer. Not only do they offer better service, but you can also save money on your favorite pair of glasses.</p> <h2>11. Take Advantage of Free Repairs and Adjustments</h2> <p>If you choose to purchase your glasses in-office, then take advantage of free adjustments to ensure your glasses fit perfectly. Inquire with your optician's office about whether they offer any free replacements or repairs.</p> <h2>12. Take Advantage of Insurance</h2> <p>Before you get started, it's important to find out if you're covered by insurance. Even if you don't have a separate vision insurance plan, you may be covered under your regular medical insurance plan. Many insurance plans include a basic eye or dental care plan, so you may be covered without even realizing it.</p> <p>Before visiting your eyeglass store, first find out if they accept your vision insurance. If they accept it, find out what your insurance covers. Take advantage of whatever you can so that you get your money's worth every year. If they do not accept your insurance plan, inquire from your plan's administrator about whether they will offer reimbursement if you decide to pay out-of-pocket.</p> <h2>13. Use FSA Funds</h2> <p>If you have an FSA (or flexible spending account), take advantage of this pretax money to pay for eligible medical expenses such as prescription glasses and contact lenses. Keep in mind that FSA funds might not pay for extras like extended warranties. The goal is to use up all of your FSA funds before the end of the year, but it's important that you don't wait until the last minute to use it or you may rush to pick your new glasses, even if they aren't the most flattering option or don't offer the best deal.</p> <h2>14. Do Your Research</h2> <p>Before scheduling your eye test, research the options available to you so you can determine where you'll get the best deal for your money. Call your eyeglass store of choice to inquire about whether they currently have any coupons or deals to cut the cost of your new glasses. If you know the glasses that you want, you can search online for the brand and model number to compare prices.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/14-secrets-to-saving-on-eyewear">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-online-retailers-who-let-you-stack-coupons">9 Online Retailers Who Let You Stack Coupons</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-6-shopping-mistakes-keeping-you-from-a-great-deal">The 6 Shopping Mistakes Keeping You From a Great Deal</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping contacts deals eye doctor flexible spending accounts glasses insurance online shopping optician saving money trials Thu, 15 Sep 2016 09:30:29 +0000 Andrea Cannon 1792246 at http://www.wisebread.com The 5 Best Backpacks http://www.wisebread.com/the-5-best-backpacks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-backpacks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_hiking_backpacks_77998643.jpg" alt="Couple wearing the best backpacks while hiking" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Backpacks can be used for a range of purposes. They are a school essential, but they&rsquo;re also really useful for camping, hiking, and other sports outings.</p> <h2>What Is a Backpack?</h2> <p>A backpack is a bag with shoulder straps that can be carried on the back. You&rsquo;ll want to find one that feels comfortable on your frame and features sturdy zippers and fabric. Look for one that fits your lifestyle and needs. You&rsquo;ll want to take account the capacity, compartments, and ability to store and organize everything you need to carry around.</p> <h2>Top 5 Backpacks</h2> <h3>JanSport Big Student Classics Series Daypack</h3> <p><a href="http://amzn.to/2cKhCMY"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/jansport.jpg" width="152" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2cKhCMY">JanSport Big Student Classics Series Daypack</a> works just as well as a school backpack as it does a camping backpack. There are plenty of compartments and pockets to help keep you organized. The ergonomic, S-curved shoulder straps help distribute the weight across your back for maximum back safety and comfort and to relieve stress from your shoulders. They are shaped to comfortably fit the natural shape of your upper torso and help increase air circulation. The large capacity backpack can handle a heavy load. Even after holding all of your books, there will still be room to spare. There is a front pocket with an organizer, zippered accessory pocket, zippered stash pocket, headphone cord port, and a handle with reinforced hold on top.</p> <p>This timeless water-resistant backpack is available in a huge range of colors and designs. The sturdy, highly durable backpack is designed to reliably last for many years. Consumer Search called this the best high school backpack. It has outstanding reviews online, including more than 1,600 five-star reviews on Amazon. It is also backed by a lifetime warranty. Consumer Search also recommends the classic <a href="http://amzn.to/2cxRBSl">JanSport T501 SuperBreak Backpack</a>, while Wired recommends the <a href="http://amzn.to/2d0WZP3">JanSport Right Pack Backpack</a>.</p> <p><a href="http://amzn.to/2cKhCMY"><em>Currently $41.78 on Amazon</em></a></p> <h3>The North Face Unisex Borealis Backpack</h3> <p><a href="http://amzn.to/2cv8jAc"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/north%20face.jpg" width="179" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2cv8jAc">North Face Unisex Borealis Backpack</a> has two large, spacious compartments, a padded, fleece-lined 15&rdquo; laptop sleeve, a small external zippered compartment, a headphone port, and an exterior water bottle holder. The high-quality backpack has external mesh and a support band. It features a FlexVent suspension system, custom injection-molded shoulder straps, and a padded mesh back panel with a spine channel for maximum support, comfort, and ventilation. This versatile 28-liter backpack is suitable for daily life and for activities like hiking. It is water-resistant and has easy access to all the pockets to improve the usage.</p> <p>This classic backpack is available in a wide range of colors and designs. It is durable and designed to last for years. Consumer Search calls this the best college backpack.</p> <p><a href="http://amzn.to/2cv8jAc"><em>Currently $67.99 on Amazon</em></a></p> <h3>SwissGear Travel Gear ScanSmart Backpack</h3> <p><a href="http://amzn.to/2cKf55N"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/swissgear.jpg" width="182" height="225" align="right" alt="" /></a>The <a href="http://amzn.to/2cKf55N">SwissGear Travel Gear ScanSmart Backpack 1900</a> is constructed of dependable material and is ultra-roomy. It has an easy-access 17&rdquo; laptop compartment, as well as endless compartments, pockets, and dividers, to help keep you organized. It also has extra padding on the bottom to better protect your laptop. The two zippers unzip 3/4 of the way so you have easy access to your belongings. It is TSA-friendly and will get you through airport security more quickly. There is also an airflow back system, headphone port, water bottle pocket, carry handle, attachable hook, and ergonomic padded shoulder straps to improve the usage.</p> <p>This has outstanding online reviews, including more than 2,200 five-star reviews on Amazon. The <a href="http://amzn.to/2d0XIzN">SwissGear SA1908 Black TSA Friendly ScanSmart Laptop Computer Backpack</a> is also commonly recommended.</p> <p><a href="http://amzn.to/2cKf55N"><em>Currently $64.99 on Amazon</em></a></p> <h3>High Sierra Loop Backpack</h3> <p><a href="http://amzn.to/2cbxcUn"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/highsierra.jpg" width="153" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2cbxcUn">High Sierra Loop Backpack</a> works just as well as a school backpack as it does a camping and hiking backpack. It has plenty of compartments and pockets to help keep you organized. There is also a large hook on the front of the bag, bottom straps, and adjustable, padded side compression straps. It is comfortable, durable, and lightweight. The large design can hold all of your books and more.</p> <p>This reliable backpack is available in a huge range of colors and designs. It is recommended by Good Housekeeping and has outstanding online reviews, including nearly 1,900 five-star reviews on Amazon. It is also backed by a lifetime manufacturer&rsquo;s warranty.</p> <p><a href="http://amzn.to/2cbxcUn"><em>Currently $29.99 on Amazon</em></a></p> <h3>Herschel Supply Co. Heritage Backpack</h3> <p><a href="http://amzn.to/2coigmT"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/herschel.jpg" width="155" height="245" align="right" alt="" /></a>The high-quality <a href="http://amzn.to/2coigmT">Herschel Supply Co. Heritage Backpack</a> features thick, durable material and a reinforced bottom and detailing. The simple, stylish design has a large capacity with a spacious main compartment, 15&rdquo; laptop pocket, and front pocket with key clip.</p> <p>This is available in a huge range of colors and designs. It has outstanding reviews online. Parenting.com and Forbes also recommend the <a href="http://amzn.to/2cyyh4f">Herschel Supply Co. Little America Backpack</a>.</p> <p><a href="http://amzn.to/2coigmT"><em>Currently $59.99 on Amazon</em></a></p> <p>And those are our recommendations for the best backpacks. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-backpacks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-in-home-dry-cleaning-kits">The 5 Best In-Home Dry Cleaning Kits</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-men-s-running-shoes">The 5 Best Men’s Running Shoes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-dishwashing-gloves">The 5 Best Dishwashing Gloves</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-cast-iron-skillets">The 5 Best Cast Iron Skillets</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-hand-lotions">The 5 Best Hand Lotions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Style 5 best backpack backpacks hiking accessories product reviews school supplies shopping Thu, 15 Sep 2016 09:30:25 +0000 Andrea Cannon 1793095 at http://www.wisebread.com