Shopping http://www.wisebread.com/taxonomy/term/1/all en-US Flashback Friday: 23 Mental Tricks That'll Help You Save Money http://www.wisebread.com/flashback-friday-23-mental-tricks-thatll-help-you-save-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-23-mental-tricks-thatll-help-you-save-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_serious_thinking_536686446.jpg" alt="Woman learning mental tricks to save money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It turns out that the whole &quot;mind over matter&quot; thing also applies to money. Your ability to save money can be instantly destroyed without the right mental tricks to keep you on track. Everywhere we turn, we are encouraged to spend, so in order to combat those urges, you need to trick your own brain into withstanding that pull. Here's how to do it.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cash-76661814.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-savings-tricks-you-havent-tried-yet?ref=fbf">5 Savings Tricks You Haven't Tried Yet</a> &mdash; Hiding money from yourself and taping a goal to your credit card are just a couple brilliant ways to trick yourself into spending less money on things you don't need.</p> <p><a href="http://www.wisebread.com/how-to-trick-yourself-into-better-credit-card-behavior?ref=fbf">How to Trick Yourself Into Better Credit Card Behavior</a> &mdash; Reckless credit card behavior is responsible for so many people's struggles with saving money. Once you can reasonably manage that, you'll be well on your way to saving more moola.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kid_money_maker_532666075.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-mental-habits-that-make-the-rich-richer?ref=fbf">5 Mental Habits That Make the Rich Richer</a> &mdash; If a goal of yours is to become filthy rich, you might as well learn from how the rich are currently managing their money. These mental tricks keep them financially cozy, and could lead you there as well.</p> <p><a href="http://www.wisebread.com/5-mental-biases-that-are-keeping-you-poor?ref=fbf">5 Mental Biases That Are Keeping You Poor</a> &mdash; Before you can fix a problem, you need to recognize that you have a problem to begin with. Once you learn what's holding you back (like these mental biases) you can learn to think differently.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-525488514.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/the-one-thing-that-will-help-you-actually-save-money?ref=fbf">The One Thing That Will Help You Actually Save Money</a> &mdash; It's all about positive encouragement. But it's so much more than leaving yourself notes with smiley faces on them when you skip your morning latte. Using this tool, you'll love yourself and your bank account so much more.</p> <p><a href="http://www.wisebread.com/want-to-master-your-debt-think-like-a-maze-runner?ref=fbf">Want to Master Your Debt? Think Like a Maze Runner</a> &mdash; In order to wrangle that debt and get better at saving money, sometimes you need to think like a character in a post-apocalyptic novel. There's always a way out, even when it comes to spending less and saving more.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-23-mental-tricks-thatll-help-you-save-money">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/flashback-friday-44-sneaky-shopping-traps-to-avoid">Flashback Friday: 44 Sneaky Shopping Traps to Avoid</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/flashback-friday-72-brilliant-ways-to-stretch-20">Flashback Friday: 72 Brilliant Ways to Stretch $20</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/flashback-friday-49-smartest-amazon-hacks-that-will-save-you-big">Flashback Friday: 49 Smartest Amazon Hacks That Will Save You Big</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/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 30</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-shop-with-purpose-and-save-more-money">How to Shop With Purpose — And Save More Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping fbf flashback friday mental tricks saving money shopping habits Spending Money Fri, 24 Feb 2017 10:30:30 +0000 Chrissa Hardy 1898301 at http://www.wisebread.com The 5 Best Diaper Bags http://www.wisebread.com/the-5-best-diaper-bags <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-diaper-bags" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/baby_diaper_bag_532109980.jpg" alt="Using best diaper bags" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your diaper bag has an important job to do. Not only does it carry all of your baby and parent essentials, but it also keeps everything organized and easy to find, so you can grab exactly what you need, right when you need it.</p> <p>Your diaper bag should be able to hold everything from diapers and wipes to your baby&rsquo;s favorite toy and pacifier. With the right bag, you&rsquo;ll be prepared for any minor emergency, such as a diaper change or bottle break. It can make your life much easier and help reduce the stress you experience on regular outings with your baby. Diaper bags are the ideal item for any new parent and can provide the perfect baby shower gift idea.</p> <h2>What Is a Diaper Bag?</h2> <p>A diaper bag is a storage bag with various pockets to help you organize everything you need for your baby. Diaper bags come in all shapes, sizes, and types, including tote, backpack, and messenger styles. Each bag has its own special features, such as changing pads, strap systems, and bottle holders. There are also fashion-forward bags available, so you don&rsquo;t have to sacrifice your personal style.</p> <p>Sure, we&rsquo;d all like to have a famed <a href="http://amzn.to/2lK13Hi" target="_blank">Petunia Pickle Bottom diaper bag</a> or a stylish <a href="http://amzn.to/2l5TBCP" target="_blank">Ju-Ju-Be diaper bag</a>, but you don&rsquo;t need to spend $100+ on a glorified purse. That&rsquo;s why we&rsquo;ve found some of the best diaper bags on the market, so you can get the space you need with a design you love.</p> <h2>Top 5 Diaper Bags</h2> <h3>Skip Hop Baby Duo Signature Diaper Bag</h3> <p><a href="http://amzn.to/2lE67N6"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/skip%20hop.jpg" width="200" height="200" align="right" alt="" /></a>The <a href="http://amzn.to/2lE67N6" target="_blank">Skip Hop Baby Duo Signature Diaper Bag</a> combines style and function. It can be worn as a fashionable bag or it can be easily attached to your stroller. The high-quality BPA-free, phthalate-free bag is versatile, roomy, and will allow you to organize all your items with a multitude of pockets. The sturdy polyester bag features a spacious interior with contrasting lining and a zip-top closure. It has 10 pockets including two elasticized, mesh bottle pockets, an easy-access tech pocket, toy ring, tote handles, and convertible, adjustable shoulder-to-stroller shuttle clips. It also includes a removable cushioned diaper changing pad, allowing for quick diaper changes anywhere.</p> <p>The award-winning diaper bag is available in various colors and designs to match your personal style. It is an Amazon best-seller and the brand is recommended by Consumer Reports. Skip Hop is also one of the best-selling and most globally recognized brands of diaper bags.</p> <p><a href="http://amzn.to/2lE67N6" target="_blank"><em>Currently $51.99 on Amazon</em></a></p> <h3>Diaper Bag by Hip Cub</h3> <p><a href="http://amzn.to/2llwPtm"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/hip%20club.jpg" width="245" height="191" align="right" alt="" /></a>The <a href="http://amzn.to/2llwPtm" target="_blank">Diaper Bag by Hip Cub</a> is intended to remind you of a designer bag, while serving the purpose of a versatile diaper bag. The stylish, functional bag features a secure zippered spacious interior, two interior compartments, two exterior front pockets, and two secure zipper side pockets. The high-quality cotton canvas bag also includes an adjustable shoulder strap, short handles, matching stroller straps, and removable matching padded diaper changing pad, allowing for quick diaper changes anywhere.</p> <p>This is available in two colors. It is an Amazon best-seller and has more than 500 five-star reviews on Amazon. It is also backed by a 90-day money-back satisfaction guarantee.</p> <p><a href="http://amzn.to/2llwPtm" target="_blank"><em>Currently $44.95 on Amazon</em></a></p> <h3>Graco Gotham Smart Organizer System Back Pack Diaper Bag</h3> <p><a href="http://amzn.to/2kJW3Tt"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/graco%20gotham.jpg" width="200" height="192" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in diaper bags, the <a href="http://amzn.to/2kJW3Tt" target="_blank">Graco Gotham Smart Organizer System Back Pack Diaper Bag</a> offers style, functionality, and the best in organization. It is large, sturdy, and designed to keep you organized, no matter how much you need to store. The smart organizer system features a spacious interior, multiple exterior zippered compartments, and individualized storage pockets for baby necessities, keys, phones, wallets, and more. A wipes case dispenser is located on the exterior of the backpack for ultimate convenience. The insulated bottle pocket offers optimized temperature control for up to two bottles. You can choose from an easy-tote carrying handle or adjustable, padded shoulder straps for all-day comfort. It also includes a removable plush diaper changing pad, allowing for quick diaper changes anywhere.</p> <p>This is one of the &ldquo;most wished for&rdquo; items on Amazon and has more than 300 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2kJW3Tt" target="_blank"><em>Currently $26.99 on Amazon</em></a></p> <h3>Soho Designs Grand Central Station Diaper Bag</h3> <p><a href="http://amzn.to/2mjWjoD"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/soho%20designs.jpg" width="245" height="152" align="right" alt="" /></a>The <a href="http://amzn.to/2mjWjoD" target="_blank">Soho Designs Grand Central Station Diaper Bag</a> seven-piece set offers a great value at an affordable price. The high-quality tote bag has a spacious interior with zippered closure, multiple pockets, and a carrying strap. The set also includes a zippered closure small purse with carrying strap, an insulated zippered bottle bag, and two accessory cases, so you can easily carry everything you need. You can store the smaller bags in the main diaper bag or carry them separately. The set also includes grips stroller attachments and a removable matching padded diaper changing pad, allowing for quick diaper changes anywhere.</p> <p>This comes in various colors and designs to match your personal style. It is an Amazon best-seller and has more than 300 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2mjWjoD" target="_blank"><em>Currently $27.75 on Amazon</em></a></p> <h3>JJ Cole Satchel Diaper Bag</h3> <p><a href="http://amzn.to/2lE7A5K"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/jj%20cole.jpg" width="245" height="180" align="right" alt="" /></a>The <a href="http://amzn.to/2lE7A5K" target="_blank">JJ Cole Satchel Diaper Bag</a> can help you organize everything you need throughout the day. The sturdy polyester bag combines style and functionality. It includes a spacious interior, exterior open and zippered pockets, multiple organizational compartments, a convenient bottle pocket, and four interior side pockets for baby essentials and everything else you may need. It also includes a detachable padded shoulder strap, grips stroller attachments, and matching removable diaper changing pad, allowing for quick diaper changes anywhere.</p> <p>This is available in a range of designs and colors to suit your personal style. The brand is recommended by Consumer Reports and the bag has more than 300 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2lE7A5K" target="_blank"><em>Currently $50.19 on Amazon</em></a></p> <p>And those are our recommendations for the best diaper bags. 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-diaper-bags">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/the-5-best-diapers">The 5 Best Diapers</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-in-home-dry-cleaning-kits">The 5 Best In-Home Dry Cleaning Kits</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-women-s-rain-boots">The 5 Best Women’s Rain Boots</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-clothing-steamers">The 5 Best Clothing Steamers</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-backpacks">The 5 Best Backpacks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Style 5 best baby accessories baby products diaper bags diapers product reviews shopping Thu, 23 Feb 2017 10:00:12 +0000 Andrea Cannon 1897037 at http://www.wisebread.com Best Money Tips: What You Should Know About Store Closing Sales http://www.wisebread.com/best-money-tips-what-you-should-know-about-store-closing-sales <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-you-should-know-about-store-closing-sales" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_bags_620972986.jpg" alt="Woman learning what she should know about store closing sales" 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 you should know about store closing sales, healthy dishes for weight loss, and beginner tips for fermenting.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2017/0221/What-you-need-to-know-about-store-closing-sales-at-Macy-s-Sears-or-Kmart-near-you">What you need to know about store closing sales at Macy's, Sears, or Kmart near you</a> &mdash; Don't expect to see big ticket items at a store closing sale. [The Monitor]</p> <p><a href="http://www.cheapism.com/blog/quick-weight-loss-dishes-foods-13969/">20 Healthy, Low-Calorie Dishes for Quick Weight Loss</a> &mdash; There's no need to skip dessert when you can indulge in a delicious, grilled stone fruit. [Cheapism]</p> <p><a href="http://naturemoms.com/blog/2017/02/18/beginner-tips-fermenting/">Beginner Tips for Fermenting</a> &mdash; There are many benefits to probiotic-rich, fermented foods. Start with these tips if you want to ferment your own foods at home. [Nature Moms Blog]</p> <p><a href="http://www.popsugar.com/smart-living/Ways-Introverts-Recharge-39990746">Ways For Introverts to Get Their Energy Back When Other Humans Suck It Out of Them</a> &mdash; Introverts can recharge by taking a long drive. You'll create distance from other people and can get comfortable in the controlled environment of your car. [PopSugar Smart Living]</p> <p><a href="https://www.fool.com/retirement/2017/02/19/5-ways-you-can-get-more-money-in-retirement.aspx">5 Ways You Can Get More Money in Retirement</a> &mdash; Many seniors choose to downsize when they stop working and don't need as much space, but if you don't want to move just yet, you can rent out part of your home to make extra money. [The Motley Fool]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.iwillteachyoutoberich.com/blog/salary-negotiation/">Salary Negotiation: How to negotiate better than 99% of people</a> &mdash; By the time you walk into a negotiation, you need to know what you want. Not having a number in mind will allow an experienced hiring manager to control the conversation. [I Will Teach You To Be Rich]</p> <p><a href="https://www.fivecentnickel.com/rebuilding-savings-after-emergency-expense/">Rebuilding Your Savings After An Emergency Expense</a> &mdash; Unplanned but necessary expenses can really throw your budget off kilter. Take these steps to get your money back on track after an emergency. [Five Cent Nickel]</p> <p><a href="http://www.marcandangel.com/2017/02/20/10-little-things-to-remember-when-life-no-longer-excites-you/">10 Little Things to Remember When Life No Longer Excites You</a> &mdash; Don't just endure life &mdash; enjoy it! Do something small and positive that makes you happy. [Marc &amp; Angel Hack Life]</p> <p><a href="http://gretchenrubin.com/happiness_project/2017/02/11-tips-for-getting-morning/">Do You Hate to Rush? 11 Tips for Getting Ready Faster in the Morning.</a> &mdash; It's easy to lose track of time during a refreshing shower. Set an alarm clock to remind you when it's time to get out. [Gretchin Rubin]</p> <p><a href="http://parentingsquad.com/7-ways-to-let-your-kids-fail-sans-guilt">7 Ways to Let Your Kids Fail Sans Guilt</a> &mdash; Avoid being their second coach from the sidelines. Your &quot;helpful&quot; tips can cause them to stop enjoying the sport or activity. [Parenting Squad]</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-you-should-know-about-store-closing-sales">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-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</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-cloth-napkins">The 5 Best Cloth Napkins</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/9-no-fuss-plants-that-will-brighten-your-home-until-spring">9 No-Fuss Plants That Will Brighten Your Home Until Spring</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/should-you-sign-up-for-that-store-credit-card">Should You Sign Up for That Store Credit Card?</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/7-reasons-you-should-always-buy-girl-scout-cookies">7 Reasons You Should Always Buy Girl Scout Cookies</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best money tips store closing sales Wed, 22 Feb 2017 10:30:30 +0000 Amy Lu 1896817 at http://www.wisebread.com The 5 Best Cloth Napkins http://www.wisebread.com/the-5-best-cloth-napkins <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-cloth-napkins" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/table_setting_napkin_511726460.jpg" alt="Using the five best cloth napkins" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Everyone needs napkins, which can be costly, but there&rsquo;s a way that you can save money on this daily necessity. How? With reusable cloth napkins. By washing and reusing your cloth napkins, you can save a significant amount of money over time (compared to buying disposable paper napkins).</p> <h2>What Are Cloth Napkins?</h2> <p>Reusable cloth napkins are used to clean up messes or wipe your hands and face while eating. They are usually made of cotton, polyester, or a blend of the two, and come in all different colors and designs to suit your style or the occasion. They can be reused and washed many times to help reduce waste.</p> <p>They are ideal for holidays, weddings, dinner parties, and other special occasions where paper napkins just won&rsquo;t cut it. They are also great for everyday use in restaurants, hotels, and the home. You can choose quality cloth napkins in a color that complements your tableware, or a color that stands apart for a decorative touch.</p> <h2>Top 5 Cloth Napkins</h2> <h3>Cotton Dinner Napkins by Utopia Kitchen</h3> <p><a href="http://amzn.to/2m5NGlh"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/utopia_0.jpg" width="200" height="199" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in cloth napkins, the 12-pack of 18x18 <a href="http://amzn.to/2m5NGlh" target="_blank">Cotton Dinner Napkins by Utopia Kitchen</a> are wrinkle-resistant, fade-resistant, and stain-resistant. The luxury premium cloth napkins are of durable, hotel quality. They have a generous hem and are made of 65% cotton, 35% polyester blended fabric for optimal softness and longevity. They are available in a range of colors and can be folded into a variety of styles to suit your table decor. They are one of the &ldquo;most wished for&rdquo; items on Amazon and have more than 800 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2m5NGlh" target="_blank"><em>Currently $13.99 on Amazon</em></a></p> <h3>Cotton Craft Dinner Napkins</h3> <p><a href="http://amzn.to/2lJP4te"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cotton%20craft.jpg" width="245" height="195" align="right" alt="" /></a>Amazon&rsquo;s Choice for cloth napkins, the <a href="http://amzn.to/2lJP4te" target="_blank">Pure 100% Cotton 20x20 Oversized Cotton Craft</a> dinner napkins come in a multicolor 12-pack. The set contains one each of Magenta, Lime, Ming Red, Stone, Black, Lavender, Grape, Orange, Teal, Navy, Mustard, and Leaf. The vibrant colors can light up your table decor. The napkins are sturdy, long lasting, and 38% larger than standard napkins. They are made of a thin, soft fabric and tailored with Mitered corners and a generous hem for a superior finish. They are an Amazon best-seller and have nearly 300 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2lJP4te" target="_blank"><em>Currently $15.99 on Amazon</em></a></p> <h3>Royal Classic Kitchen Cotton Towels</h3> <p><a href="http://amzn.to/2m5VcwD"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/royal.jpg" width="220" height="188" align="right" alt="" /></a>The 15-pack of 14x25 <a href="http://amzn.to/2m5VcwD" target="_blank">Royal Classic kitchen cotton towels</a> are white with a blue stripe and feature a Herringbone weave for better absorbency. The lightweight 100% natural cotton towels are soft and strong, so they can be used as durable, long-lasting napkins or as small towels around the kitchen. The high-quality napkins absorb fluids and dry quickly for less risk of mildew and bacterial buildup. They are lint-free and streak-free. These are chosen by professional chefs and home cooks alike. They are an Amazon best-seller and have more than 500 five-star reviews on Amazon. They are also backed by a 30-day, 100% satisfaction money-back guarantee.</p> <p><a href="http://amzn.to/2m5VcwD" target="_blank"><em>Currently $13.95 on Amazon</em></a></p> <h3>DII Oversized Basic Everyday Napkin</h3> <p><a href="http://amzn.to/2lE2Mxd"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/dii.jpg" width="200" height="200" align="right" alt="" /></a>The set of six 20x20 <a href="http://amzn.to/2lE2Mxd" target="_blank">DII 100% Cotton, Oversized Basic Everyday Napkins</a> are soft, high quality, and designed to last. They are thick and sturdy, so they can stand up to repeated washings. They are available in a range of colors to suit your kitchen table. They have great reviews and come from the trusted Design Imports brand.</p> <p><a href="http://amzn.to/2lE2Mxd" target="_blank"><em>Currently $16.14 on Amazon</em></a></p> <h3>The Pioneer Woman Flea Market Napkin Set</h3> <p><a href="http://amzn.to/2m5MBtI"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pioneer%20woman.jpg" width="97" height="245" align="right" alt="" /></a>The eight-pack of 18x18 <a href="http://amzn.to/2m5MBtI" target="_blank">Pioneer Woman Flea Market Napkin Set</a> offers a range of fun floral and geometric designs in various shades of red. They are high quality and designed to last. The soft, thin fabric is made of 52% polyester and 48% cotton. They are vintage-inspired and feature vibrant colors, so they can complement your kitchen decor or stand out on their own. They are available in different combinations of colors and designs to suit your personal style. They are backed by outstanding reviews and come from the trusted Pioneer Woman brand.</p> <p><a href="http://amzn.to/2m5MBtI" target="_blank"><em>Currently $17.00 on Amazon</em></a></p> <p>And those are our recommendations for the best cloth napkins. 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-cloth-napkins">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/the-5-best-paper-napkins">The 5 Best Paper Napkins</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-in-home-dry-cleaning-kits">The 5 Best In-Home Dry Cleaning Kits</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-robotic-mops">The 5 Best Robotic Mops</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-cast-iron-skillets">The 5 Best Cast Iron Skillets</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping 5 best cloth napkins napkins product reviews shopping table setting Wed, 22 Feb 2017 10:00:14 +0000 Andrea Cannon 1897036 at http://www.wisebread.com 9 No-Fuss Plants That Will Brighten Your Home Until Spring http://www.wisebread.com/9-no-fuss-plants-that-will-brighten-your-home-until-spring <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-no-fuss-plants-that-will-brighten-your-home-until-spring" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_plants_succulents_537868672.jpg" alt="Woman getting no-fuss plants to brighten her home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>This time of year, it's nice to bring something green home to help pass the gray days. Houseplants are a living reminder that spring is on the horizon. You don't need to be particularly good at keeping stuff thriving to enjoy them, either. Here's a list of some low-maintenance plants that are cheap or, in some cases, free! (See also: <a href="http://www.wisebread.com/the-5-hardest-to-kill-houseplants?ref=seealso" target="_blank">The 5 Hardest-to-Kill Houseplants</a>)</p> <h2>1. Pothos</h2> <p>You can pick up a gorgeously green, 10-ounce pothos plant for less than $4 at Lowe's. If you're worried about it being high maintenance, don't fret. Chances are, you'll have this plant for the long haul. Even people who have green thumbs explain that this plant will withstand a hearty dose of &quot;<a href="http://www.uaex.edu/yard-garden/resource-library/plant-week/golden-pothos.aspx" target="_blank">benign neglect</a>.&quot;</p> <p>And if your friend just happens to have this plant, you may be able to get one for yourself for free. Simply cut an existing plant into some individual segments above the leaf by about half an inch. Take 10 or so of these cuttings and place them in a pot (don't forget to water them) for about six weeks. Each cut should eventually make a vine that will turn into a full plant.</p> <h2>2. Spider Plant</h2> <p>The only plant I have ever had in my own home is the spider plant. And amazingly, it has withstood the test of time and countless messes along the way. Talk about indestructible. What about cheap? Yeah, it's that, too. This plant produces seemingly unlimited babies that you can either inherit or pass along to your friends with virtually no work involved on your part.</p> <p>Here's a tip: spider plants can sometimes get a &quot;burned&quot; look on their leaf tips. This is as a result of too much fluoride accumulation. If you want to avoid this tattered look, try using higher grade fertilizer and&nbsp;<a href="http://www.uaex.edu/yard-garden/resource-library/plant-week/spider-airplane-plant.aspx" target="_blank">skipping tap water</a> when watering. It's a great excuse to try your hand at making a rain collection barrel.</p> <h2>3. Aloe Plant</h2> <p>Want a plant that does more than just look pretty on your shelf? Grow aloe! You can use its gooey center to ease irritation from cuts and burns. A 10-inch aloe vera plant costs only $4. Care is easy. Water well and then let the soil dry&nbsp;<a href="http://www.almanac.com/plant/aloe-vera" target="_blank">one or two inches</a> before the next watering.</p> <p>Another option is&nbsp;<a href="http://www.uaex.edu/yard-garden/resource-library/plant-week/Aloe-variegata-tiger-02-26-2016.aspx" target="_blank">tiger alloe</a>. It is one of the smaller plants in the aloe family and only reaches about 10 inches tall. As a result, it fits well on coffee tables or other areas in compact apartments. Oh, and it gets some spikes with orange flowers in the middle of winter to help shake the cold-weather blues and add a burst of color into your life.</p> <h2>4. Jade Plant</h2> <p>Jade plants can last <a href="http://www.uaex.edu/yard-garden/resource-library/plant-week/jade-plant.aspx" target="_blank">100 years or more</a> with proper care. It is a slow-growing succulent, so it doesn't need to take up a lot of space and can survive even if you forget to water it regularly. You can grab a jade of your very own for around $4 or $5.</p> <p>If your jade picks up mealybugs &mdash; a white, cottony mass &mdash; you can treat it with some rubbing alcohol.</p> <h2>5. Cactus</h2> <p>My neighbor bought a tiny Christmas cactus plant for around $5 a few years ago. It now sits proudly in her bay window and blooms late each fall with some really pretty flowers. You'll want to place this plant in a well-lit area and place it in a well-drained pot. You only need to move it to a new pot every year or so. In the summer, you can move it to your patio &mdash; just make sure to give it some shade during the hottest time of day.</p> <p>This plant is often called a&nbsp;<a href="http://www.uaex.edu/yard-garden/resource-library/plant-week/holiday-cactus.aspx" target="_blank">crab cactus</a> in Europe. And in its native Brazil, the &quot;Christmas&quot; part of the name would be relatively meaningless, as its blooms in spring there (because it's in the Southern Hemisphere).</p> <h2>6. Mother-in-Law's Tongue</h2> <p>While a mother-in-law's tongue (otherwise known as a snake plant) may sound like something you'd want to stay away from, this plant is excellent for&nbsp;<a href="http://www.wisebread.com/the-best-cheap-plants-for-improving-indoor-air-quality?ref=internal" target="_blank">indoor air quality</a>. It filters anything from formaldehyde to trichloroethylene to benzene out of your home's atmosphere. It's relatively cheap to boot. You can pick one up for around $15 at your local big box center. Experts recommend you place this plant in your bedroom because &mdash; get this &mdash; it can convert exhaled CO2 into oxygen.</p> <p>The best part? This plant is&nbsp;<a href="http://www.uaex.edu/yard-garden/resource-library/plant-week/mother-in-law-tongue.aspx" target="_blank">super hard to kill</a>. They don't need much light either. Just some love, and little water, and an occasional dusting.</p> <h2>7. Cast Iron Plant</h2> <p>Don't have a lot of light in your home? The cast iron plant doesn't care. The&nbsp;<a href="http://www.uaex.edu/yard-garden/in-the-garden/reference-desk/perennials/cast-iron-plant.aspx" target="_blank">shadier, the better</a> for this happy plant. Actually, if it gets too much sun, its leathery leaves will start to burn. Otherwise, it's hearty and easy to maintain. A small cast iron will set you back around $12.</p> <p>If your plant's leaves do end up burning, you can simply cut them off, water well, and place it in a spot with better shade away from windows.</p> <h2>8. Rubber Plant</h2> <p>As one of the world's oldest house plants, the <a href="http://www.ourhouseplants.com/plants/rubber-plant" target="_blank">rubber plant</a> can grow quite tall and take up a bit of space in only a few years' time. But that's good if you want a houseplant as a feature of your home decor. It's also resistant to pests and diseases and can tolerate poor treatment. You can get a rubber plant for around $8 plus shipping costs. Not bad considering how big it will get.</p> <p>My mother-in-law keeps these plants, and she explains that if the leaves turn yellow, it's typically that they're receiving too much water. Back off for a while, and their usual color should return.</p> <h2>9. Peace Lily</h2> <p>Another easy-to-grow houseplant is the <a href="http://www.almanac.com/plant/peace-lily" target="_blank">peace lily</a>. It's quite common in houses across the U.S. and beyond, so you may be able to score one from a friend. Otherwise, you can buy this plant for around $8. Its pleasant white flowers prefer shade versus sun. Most peace lily plants grow to about 16 inches tall and bloom throughout the year. No blooms? Move your plant to a darker room.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/9-no-fuss-plants-that-will-brighten-your-home-until-spring">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-8"> <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-find-the-best-stuff-at-homegoods">How to Find the Best Stuff at HomeGoods</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-cloth-napkins">The 5 Best Cloth Napkins</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-in-home-dry-cleaning-kits">The 5 Best In-Home Dry Cleaning Kits</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-air-fresheners">The 5 Best Air Fresheners</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-laundry-detergents">The 5 Best Laundry Detergents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping buying plants easy plants green living home decor plant care plants spring Mon, 20 Feb 2017 11:00:12 +0000 Ashley Marcin 1894769 at http://www.wisebread.com Flashback Friday: 42 Ways the 7 Deadly Sins Are Keeping You Poor http://www.wisebread.com/flashback-friday-42-ways-the-7-deadly-sins-are-keeping-you-poor <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-42-ways-the-7-deadly-sins-are-keeping-you-poor" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_wallet_empty_174761394.jpg" alt="Woman learning ways 7 deadly sins keep her poor" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It turns out, most of us are a bunch of sinners. And those sins we commit regularly might be the sole reason for our financial struggles. Whether it's feelings of lust, greed, gluttony, or the others, those feelings lead to making terrible financial choices. How, exactly? Let's find out.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_56582268_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-ways-gluttony-is-keeping-you-poor?ref=fbf">6 Ways Gluttony Is Keeping You Poor</a> &mdash; Of course it's okay to overindulge on food and drink every once in awhile, but that can lead to celebrating with food and drink, and then commiserating with food and drink, and then eventually you're overindulging all the time and your wallet is empty. That's not great.</p> <p><a href="http://www.wisebread.com/6-ways-sloth-is-keeping-you-poor?ref=fbf">6 Ways Sloth Is Keeping You Poor</a> &mdash; When you're feeling lazy, your motivation to do pretty much anything is nonexistent. As with any of these sins, a little is fine. But consistent instances of slothlike behavior can ruin your career, and your earning potential.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000057148896_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-ways-pride-is-keeping-you-poor?ref=fbf">7 Ways Pride Is Keeping You Poor</a> &mdash; Pride is a tough sin to beat. We all want to put our best face forward. Isn't that why we're all on social media? But when you're putting all your energy into maintaining a certain lifestyle, your finances can take a serious hit.</p> <p><a href="http://www.wisebread.com/6-ways-lust-is-keeping-you-poor?ref=fbf">6 Ways Lust Is Keeping You Poor</a> &mdash; When you're lusting after someone or something, it's hard to think straight. You might be sober, but your decision-making ability is drunk and needs to go home. You'll make impulse decisions that won't make any sense, and could ruin your budget, and your life.</p> <p><a href="http://www.wisebread.com/6-ways-envy-is-keeping-you-poor?ref=fbf">6 Ways Envy Is Keeping You Poor</a> &mdash; Similar to pride, envy is all about comparing yourself to others in an unhealthy way. Who cares what other people have though? Envy will never lead to happiness, so keeping up with the Joneses will only make you miserable in the end &mdash; and broke.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_99971945_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-ways-wrath-is-keeping-you-poor?ref=fbf">5 Ways Wrath Is Keeping You Poor</a> &mdash; There's nothing wrong with being a deep-feeling, passionate person. But wrath is the extreme and destructive end of that spectrum, and it will ruin you, as much as it will the object of your wrath.</p> <p><a href="http://www.wisebread.com/6-ways-greed-is-keeping-you-poor?ref=fbf">6 Ways Greed Is Keeping You Poor</a> &mdash; For people suffering with greed, less is never more. This sin can lead you to a life of excess, extreme debt, and becoming the kind of person who lies so much that the truth becomes &quot;fake news.&quot; And who wants to be that person?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-42-ways-the-7-deadly-sins-are-keeping-you-poor">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-12"> <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-seven-deadly-sins-of-consumerism-and-the-frugal-redemption">The seven deadly sins of consumerism (and the frugal redemption).</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-lust-is-keeping-you-poor">6 Ways Lust Is Keeping You Poor</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/why-scientists-say-you-should-be-committing-the-7-deadly-sins">Why Scientists Say You Should Be Committing the 7 Deadly Sins</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-greed-is-keeping-you-poor">6 Ways Greed Is Keeping You Poor</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-36-things-you-should-buy-second-hand">Flashback Friday: 36 Things You Should Buy Second Hand</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 7 deadly sins envy fbf flashback friday gluttony greed lust poor pride seven deadly sins sloth wrath Fri, 17 Feb 2017 10:31:32 +0000 Chrissa Hardy 1894197 at http://www.wisebread.com Should You Sign Up for That Store Credit Card? http://www.wisebread.com/should-you-sign-up-for-that-store-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/should-you-sign-up-for-that-store-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-510513339.jpg" alt="Woman wondering if she should sign up for a store credit card" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Shop at enough chain retailers and you'll eventually be offered a chance to apply for a store credit card. Often it comes with a tempting discount on your purchase, and maybe even a <a href="http://www.wisebread.com/same-as-cash-store-offers-vs-0-intro-apr-credit-cards-which-is-right-for-you?ref=internal" target="_blank">promotional financing offer</a>. But how good are store credit cards, and should you get one?</p> <h2>Benefits of Store Credit Cards</h2> <p>Store credit cards do have some upside to consider.</p> <h3>Get Discounts<strong> </strong></h3> <p>Retailers usually offer a discount on your day's purchases when you apply for their credit card right at the register. If you are making major purchases, the savings could be significant. In addition, many store credit cards promise to send you coupons and advance sales notices throughout the year.</p> <h3>Earn Rewards</h3> <p>Another benefit that a store card may offer is a rewards program that lets you earn points every time you buy something from the store. Rewards are often in the form of credits toward future purchases. The <a href="http://www.wisebread.com/store-credit-cards-that-dont-suck?ref=internal" target="_blank">best store cards</a> offer rewards or discounts of up to 5% of the amount spent.</p> <h3>Build Credit</h3> <p>Retail credit cards typically have much lower qualifications for approval than other credit cards. If you have a poor credit score or a limited credit history, you might be able to qualify for a store credit card before you can be approved for other cards. In this way, retail credit cards can help you <a href="http://www.wisebread.com/why-you-need-credit-and-how-to-build-it-from-scratch?ref=internal" target="_blank">build a credit history</a> from scratch, or <a href="http://www.wisebread.com/how-to-rebuild-your-credit-in-8-simple-steps?ref=internal" target="_blank">rebuild your credit</a> after financial setbacks. (See also: <a href="http://www.wisebread.com/how-to-use-credit-cards-to-improve-your-credit-score?ref=seealso" target="_blank">How to Use Credit Cards to Improve Your Credit Score</a>)</p> <h2>Disadvantages of Store Credit Cards</h2> <p>Now, the downsides.</p> <h3>High APR</h3> <p>While it's easier to be approved for a store credit card, it will likely have less competitive interest rates than other cards. While the average credit card has a standard APR of about 15%, it's not uncommon to find store cards with rates in the high 20s or even the 30s.</p> <h3>Limited Use</h3> <p>A store credit card may not be part of a larger payment network such as Visa or MasterCard, either. If so, then you will only be able to use your card for purchases at that store and its website, not at other merchants.</p> <h3>Lower Rewards</h3> <p>Retail credit cards may not even offer very strong rewards programs. Some store cards offer rewards valued at just 3% or 4% of your spending, which is not much higher than you could expect from one of the most competitive reward credit cards. Also, a store card's rewards will usually be in the form of store credit, which is never as valuable as <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back rewards</a>.</p> <h3>Opportunity Cost</h3> <p>You always have to consider the opportunity cost of applying for a retail credit card. Since you can't practically apply for <em>every </em>credit card you are offered (and even if you could, too many applications hurt your credit score), you have to consider if a store credit card is a better deal than the best offers available elsewhere.</p> <p>For example, another credit card could offer you a <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=internal" target="_blank">sign-up bonus</a> worth far more than a one-off discount on your day's purchases. And a store credit card rarely has a rewards program that's as good as the most competitive reward cards. Additionally, there are credit cards available directly from banks that feature <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases?ref=internal" target="_blank">0% interest on new purchases</a>. That's superior to the promotional financing offers available from most store credit cards.</p> <h3>When It's Okay to Sign Up for a Store Card</h3> <p>If you find that you are consistently buying from one particular store, it may be worthwhile to consider whether rewards and discounts from its store credit card will put a dent in your regular spending there. But don't impulsively agree to signing up at the register for a one-time discount. Smart spenders don't just consider their purchases carefully; they also choose their payment options wisely.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/should-you-sign-up-for-that-store-credit-card">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/7-ways-to-save-loads-of-money-using-credit-cards">7 Ways to Save Loads of Money Using Credit Cards</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-10-best-couponing-apps">The 10 Best Couponing Apps</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-6-shopping-mistakes-keeping-you-from-a-great-deal">The 6 Shopping Mistakes Keeping You From a Great Deal</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/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</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/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping bad deals credit deals department stores discounts offers saving money Fri, 17 Feb 2017 10:31:23 +0000 Jason Steele 1893290 at http://www.wisebread.com The 5 Best Diapers http://www.wisebread.com/the-5-best-diapers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-diapers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/baby_smile_diaper_537424238.jpg" alt="Happy baby wearing one of the best diapers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Diapers are an absolute necessity for any new baby. They are designed to keep your baby dry and comfortable at all times of the day and night. As your baby grows, you will need to change diaper sizes so that they can still enjoy a secure, comfortable fit.</p> <h2>What Is a Diaper?</h2> <p>A diaper is a disposable product designed to absorb or contain waste. New Kids Center reports that newborns under a month old usually have three to four bowel movements a day, so you can expect to change at least 10 soiled or wet diapers daily during that first month. Investopedia estimates that the average child will use more than 2,700 diapers in the first year, which can add up to more than $550, while The Atlantic estimates that you'll spend closer to $936 on diapers in the first year. (See also: <a href="http://www.wisebread.com/5-places-to-get-cheaper-diapers?ref=seealso">5 Places to Get Cheaper Diapers</a>)</p> <h2>Top 5 Diapers</h2> <h3>Pampers Swaddlers Diapers</h3> <p><a href="http://amzn.to/2kLi149"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pampers.jpg" width="245" height="196" align="right" alt="" /></a>Amazon's Choice for diapers, the <a href="http://amzn.to/2kLi149">Pampers Swaddlers Diapers</a> offer the best comfort and protection. The ultrasoft diapers absorb liquid quickly for fewer leaks. The extra absorb channels and absorb away liner are specially designed to help distribute wetness evenly for up to 12 hours of protection. The color-changing wetness indicator shows when your baby needs to be changed, so there's no more guesswork. The contoured umbilical cord notch provides a more comfortable fit around the healing belly button.</p> <p>These come in eight sizes to securely and comfortably fit your baby. The Pampers brand is recommended by Consumer Reports and is the #1 choice of hospitals across the country. These are also recommended by Good Housekeeping, BabyCenter, and BabyGearLab. According to BabyGearLab, Pampers won an absorbency test hands-down versus Huggies. Many experienced parents chimed in that after they tried the Pampers Swaddlers, they wouldn't go back to using anything else on their kids. They also have outstanding online reviews, including more than 5,500 five-star reviews on Amazon. <a href="http://amzn.to/2liODpN">Pampers Baby Dry Diapers</a> and <a href="http://amzn.to/2kLmaW1">Pampers Cruisers Diapers</a> are other Amazon best-sellers from the renowned brand.</p> <p><a href="http://amzn.to/2kLi149"><em>Currently $31.99 on Amazon</em></a></p> <h3>Huggies Snug and Dry Diapers</h3> <p><a href="http://amzn.to/2kLs35q"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/huggies.jpg" width="174" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2kLs35q">Huggies Snug and Dry Diapers</a> wick away moisture so your baby's skin stays dry. The triple layer protection, quick-absorbing layers, and Leak Lock system eliminate leaks for up to 12 hours of protection. The ultrasoft diapers have a stretchy waist and wide Velcro straps for a snug, comfortable fit. The umbilical cord cutout provides a more comfortable fit around the healing belly button.</p> <p>This comes in a range of sizes and designs to comfortably fit your growing baby. The Huggies brand is recommended by Consumer Reports. These are also recommended by Good Housekeeping and BabyCenter. They are also backed by outstanding online reviews, including nearly 3,900 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2kLs35q"><em>Currently $20.29 on Amazon</em></a></p> <h3>Luvs Ultra Leakguards Newborn Diapers</h3> <p><a href="http://amzn.to/2kL6VMM"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/luvs.jpg" width="200" height="200" align="right" alt="" /></a>The <a href="http://amzn.to/2kL6VMM">Luvs Ultra Leakguards Newborn Diapers</a> are super soft on delicate baby skin. They feature NightLock Plus for ultra absorbency and a Leakguard core to keep your baby's skin dry. They have absorbent padding for enhanced leak prevention and great overnight protection. They have large, refastenable stretch tabs for a secure, snug fit and a wide fastening area for easy changing. The leg leak barriers also gather to help prevent leaks.</p> <p>These are available in various fun designs and in seven sizes to improve fit and comfort. The Luvs brand is recommended by Consumer Reports. These are also recommended by BabyCenter and have more than 3,800 five-star reviews on Amazon. They are also backed by a 45-day money-back guarantee.</p> <p><a href="http://amzn.to/2kL6VMM"><em>Currently $28.78 on Amazon</em></a></p> <h3>Bambo Nature Premium Baby Diapers</h3> <p><a href="http://amzn.to/2l9m3V4"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bamboo%20nature.jpg" width="245" height="168" align="right" alt="" /></a>The <a href="http://amzn.to/2l9m3V4">Bambo Nature Premium Baby Diapers</a> are pricey, but most reviewers agree that they're worth the higher price tag. They are the only eco-friendly diaper with a wetness indicator. They are flexible, breathable, ultrasoft, and offer great overnight absorbency. They are thin, but will keep your baby dry.</p> <p>The dermatologically-tested diapers are safe for your baby and the environment. They are similar to a soft cloth diaper thanks to the fabric-like materials. They have no chlorine, dyes, latex, or fragrances, and are free of allergens and irritating substances. They are also designed to minimize the risks of allergies and diaper rash.</p> <p>These are available in six sizes. They are recommended by Good Housekeeping and are BabyGearLab's Editors' Choice. They also have more than 1,100 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2l9m3V4"><em>Currently $11.75 on Amazon</em></a></p> <h3>Earth's Best Chlorine-Free Diapers</h3> <p><a href="http://amzn.to/2lkPPZ4"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/earth%27s%20best.jpg" width="245" height="194" align="right" alt="" /></a>The <a href="http://amzn.to/2lkPPZ4">Earth's Best Chlorine-Free Diapers</a> are safe for your baby and the environment. They are hypoallergenic, chlorine-free, latex-free, dye-free, and fragrance-free. They are made with renewable resources and bio-based absorbent materials to reduce the use of petroleum-based gels. They don't release any dangerous dioxins into the environment and use 20% fewer petrochemicals than traditional disposable diapers to help protect your baby's sensitive skin.</p> <p>They are ultrasoft thanks to the use of cloth-like materials. They offer comfy stretch refastenable side panels with grip tabs for a comfortable, secure fit with less chafing and rashes. They also have breathable sides and moisture barrier cuffs for superior overnight absorbency and leak protection.</p> <p>These are available in seven sizes, ranging from newborn to 35+ lbs. They are recommended by Good Housekeeping and BabyGearLab, and have more than 1,000 five-star reviews on Amazon. They are also frequently compared to Seventh Generation diapers and always come out on top.</p> <p><a href="http://amzn.to/2lkPPZ4"><em>Currently $52.98 on Amazon</em></a></p> <p>And those are our recommendations for the best diapers. 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-diapers">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-4"> <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-anti-itch-creams">The 5 Best Anti-Itch Creams</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-smart-water-bottles">The 5 Best Smart Water Bottles</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-dandruff-shampoos">The 5 Best Dandruff Shampoos</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-manual-toothbrushes">The 5 Best Manual Toothbrushes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best baby diapers baby products diapers product reviews shopping Thu, 16 Feb 2017 10:00:17 +0000 Andrea Cannon 1893506 at http://www.wisebread.com 7 Reasons You Should Always Buy Girl Scout Cookies http://www.wisebread.com/7-reasons-you-should-always-buy-girl-scout-cookies <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-reasons-you-should-always-buy-girl-scout-cookies" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-459261773.jpg" alt="Learning reasons you should buy girl scout cookies" title="" class="imagecache imagecache-250w" width="250" height="143" /></a> </div> </div> </div> <p>Yes, you're going to buy those Girl Scout cookies. No, you don't need to feel guilty about it. In fact, depending on how you look at it, they can actually be a really smart buy. Here are various reasons why you really should buy those cookies&hellip; right now.</p> <h2>1. You're Helping to Fund Tomorrow's Leaders</h2> <p>The best reason to justify buying cookies is that you're helping little girls reach their dreams. Girl Scouts take a lot from the cookie-selling experience. They learn about sales, marketing, teamwork, branding, and responsibility. They also utilize five key skills that can help them later in life, including &quot;goal setting, decision making, money management, people skills, and business ethics.&quot; Most importantly, they will learn self-confidence and pride in a job well done.</p> <p>Girl Scouts are also shown to have a higher success rate in life. In fact, <a href="http://www.girlscoutsla.org/documents/PR14_Top_Ten_Reasons_to_Buy.pdf" target="_blank">80% of today's female business owners</a> were Girl Scouts. Studies have shown that even facing failure can lead to a positive learning experience with Girl Scouts. Just think, your humble little box of cookies is doing all that&hellip; go ahead, pat yourself on the back while you enjoy your favorite cookie.</p> <h2>2. The Net Revenue Benefits Your Local Community</h2> <p>Did you know that 100% of the net revenue from cookies sales stays with the local council and troops? The money earned goes toward things like helping fund troop activities and outreach projects.</p> <h2>3. You Won't Get Much for the Same Price</h2> <p>One box of Girl Scout cookies will cost between $4-$6. They were originally $4, but have recently experienced a price increase to $5 per box. While not all states have implemented the price increase yet, it's just a matter of time until all boxes are $5. Some specialty cookies are even $6 a box now. The good news is that there shouldn't be another price increase anytime soon. According to the Bureau of Labor Statistics, this price increase of 25% is also lower than the 32% overall cookie inflation rate throughout the country.</p> <p>While the prices of your favorite Girl Scout cookies may be higher, you have to ask yourself if you get the same level of enjoyment from other sweet treats in the same price range. For instance, do you eat an Oreo and feel the same level of enjoyment and excitement as you would from a Thin Mint?</p> <p>(See also: <a href="http://www.wisebread.com/15-fun-things-to-buy-for-under-5?ref=seealso" target="_blank">15 Fun Things to Buy for Under $5</a>)</p> <h2>4. They Can Last a Long Time</h2> <p>Girl Scout cookies freeze exceptionally well, and some varieties (like Thin Mints) taste even better when stored in the freezer. Each box of cookies has a &quot;Use or Freeze Before&quot; date on the package. This means you won't have to worry about any of the cookies ever going to waste (if that was ever really a concern). If you have some cookies leftover after a few months, you can even use them in <a href="http://www.littlebrowniebakers.com/cookies/mmmmm-try-girl-scout-cookies-in-recipes/" target="_blank">unique new recipes</a>.</p> <h2>5. They Are a Special Purchase</h2> <p>Girl Scout cookies are only available for a limited time, during the cookie-selling season. If you limit yourself to only eating these types of cookies during this particular time of year, you'll spend way less. Instead of buying cookies from the store each week, buying Girl Scout cookies only when they're available will save you money in the long run. Besides, having this special cookie season to look forward to will curb that cookie guilt if you only indulge for this occasion.</p> <h2>6. They Make Affordable Gluten-Free and Vegan Cookies</h2> <p>Let's be honest, gluten-free and vegan cookies typically don't taste great. Fortunately, Girl Scouts now make gluten-free and vegan varieties that taste just as good as the traditional versions. This means you can stop throwing away cookies that just taste like cardboard. Best of all, these varieties typically don't cost any more than the traditional cookies.</p> <h2>7. You Can Use Them as Currency in Your Household</h2> <p>Once your cookie stash starts dwindling, everyone in your household is going to be clamoring for those last few pieces of gold (the cookies, that is). If you have been savoring your cookies and have some to spare, you can use them as a sort of currency around your home.</p> <p><strong>Editor's Note:</strong> Carrie Kirby, one of our Senior Writers, has a daughter selling girl scout cookies! Order and get it shipped anywhere in the country! <a href="https://DigitalCookie.GirlScouts.org/scout/hazel561503" target="_blank"><strong>Click here to buy now and support the Girl Scouts!</strong></a></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/7-reasons-you-should-always-buy-girl-scout-cookies">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-18"> <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/10-reasons-to-stop-buying-gas-station-food">10 Reasons to Stop Buying Gas Station Food</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-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</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/breaking-the-bread-code-how-to-get-the-freshest-loaf">Breaking the Bread Code: How to Get the Freshest Loaf</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/can-you-really-save-with-amazon-prime-pantry">Can You Really Save With Amazon Prime Pantry?</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/save-big-at-these-4-discount-supermarkets">Save Big at These 4 Discount Supermarkets</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Shopping cookie budget cookies girl scout cookie season girl scout cookies girl scouts junk food samoas snacks tagalongs thin mints Thu, 16 Feb 2017 10:00:11 +0000 Andrea Cannon 1889840 at http://www.wisebread.com 7 Ways to Save Loads of Money Using Credit Cards http://www.wisebread.com/7-ways-to-save-loads-of-money-using-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-save-loads-of-money-using-credit-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-514475258.jpg" alt="Woman finding ways to save money using credit cards" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For many people, credit cards are simply a payment method. But savvy users take advantage of the additional benefits and services that only credit cards offer. A credit card may give you cash back, free travel, insurance, and other services worth hundreds or even thousands of dollars a year. Check out some of the most significant ways you can save money by paying with credit cards. (See also: <a href="http://www.wisebread.com/4-surprising-reasons-to-always-use-your-credit-card?ref=seealso" target="_blank">4 Reasons You Should Always Use Your Credit Card to Pay</a>)</p> <h2>1. Get an Interest-Free Loan for a Large Purchase</h2> <p>If you can't afford something, it's always best to either forgo it or save up for it before making the purchase. In some cases, however, you don't have the option of waiting. Your refrigerator dies just when you need a new transmission, or your dentist orders a root canal, stat. If you are disciplined, you can swing free financing on that fridge or dental work by getting a <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases?ref=internal" target="_blank">credit card with a promotional 0% APR on purchases</a>. These cards allow you to make new charges and carry a balance with no interest for an introductory period &mdash; in some cases, as long as 21 months. After that, your purchases will be subject to the card's standard interest rate. As long as you make your payments on time and clear your balance within the intro period, you'll stay out of debt. (See also: <a href="http://www.wisebread.com/same-as-cash-store-offers-vs-0-intro-apr-credit-cards-which-is-right-for-you?ref=seealso" target="_blank">The Difference Between Store Credit Offers and 0% Credit Cards</a>)</p> <h2>2. Get a Break From Interest on Debt</h2> <p>Sometimes bad decisions in the past continue to haunt us. Interest that continues to accrue on current debt makes it even harder to make up for those bad decisions. Once you've decided to put your financial life back in order and <a href="http://www.wisebread.com/5-day-debt-reduction-plan-pay-it-off?ref=internal" target="_blank">create a debt repayment plan</a>, one of the best tools you can use to help <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">pay off debt faster</a> is a balance transfer to a card <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal" target="_blank">offering an intro 0% APR</a>. These offers allow you to take a break from your interest charges so that you can devote 100% of your monthly payments toward paying down the principle. These interest-free offers can last up to 21 months, giving you the time you need to finally pay off your debt. (See also: <a href="http://www.wisebread.com/when-to-do-a-balance-transfer-to-pay-off-credit-card-debt?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=cc_article" target="_blank">When to Do a Balance Transfer</a>)</p> <h2>3. Earn Cash Back<strong> </strong></h2> <p>Are you diligent about paying off your credit card bill each month? If so, getting a <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back card</a> is a no brainer. You can get a card that gives a <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?ref=internal" target="_blank">flat rate percentage for all purchases</a>, allowing you to get unlimited cash back. Or you can get a card with a higher return for the category that you spend the most in. For example, certain cards offer <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=internal" target="_blank">big cash back rewards for groceries</a>. There's no reason you shouldn't get <a href="http://www.wisebread.com/best-credit-cards-for-everyday-purchases?ref=internal" target="_blank">rewarded on your everyday expenses</a>.</p> <h2>4. Get Free Travel</h2> <p>You can score hundreds of dollars worth of free travel by using a travel rewards credit card that gives you points or miles every time you use the card &mdash; again, assuming you clear your credit card balance every month. There are <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=internal" target="_blank">different types of travel rewards cards</a>. Some allow you to use rewards to get a statement credit for any type of travel purchase you make on the card. Others let you <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?ref=internal" target="_blank">transfer points to airline or hotel</a> loyalty programs so you can claim award flights and stays. Many offer <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal" target="_blank">valuable sign-up bonuses</a> that can get you free flights fast, and money-saving travel perks such as free checked bags and even exclusive <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=internal" target="_blank">airport lounge access</a>. The best travel rewards card for you depends on your travel preferences and habits. Need more advice? Check out <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">our favorite travel rewards cards</a>.</p> <p>See also: <a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had?ref=seealso2" target="_blank">12 Travel Perks You Didn't Know Your Credit Card Had</a></p> <h2>5. Use Free Travel Insurance</h2> <p>Credit cards can be essential when you are traveling not just for their <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=internal" target="_blank">security and convenience</a>, but because they include important insurance. For instance, you can decline your rental car company's expensive optional insurance and use your <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card?ref=internal" target="_blank">credit card's collision damage waiver policy</a> instead. Some credit cards also have coverage that reimburses you for additional expenses in the event that your trip is delayed or canceled, your <a href="http://www.wisebread.com/the-airline-lost-your-luggage-now-what?ref=internal" target="_blank">luggage is lost</a>, or you're <a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards?ref=internal" target="_blank">hurt while traveling</a>. Just be sure to check with your card issuer to find out which policies your card has, and what they cover. (See also: <a href="http://www.wisebread.com/6-types-of-travel-insurance-credit-cards-include-that-you-didnt-know-about?ref=seealso" target="_blank">6 Types of Travel Insurance Your Credit Card Includes</a>)</p> <h2>6. Protect Your Purchases</h2> <p>Many credit cards come with <a href="http://www.wisebread.com/how-credit-cards-protect-your-purchases-from-damage-or-theft?ref=internal" target="_blank">valuable purchase protection policies</a> that repair or replace your purchase if it's damaged or stolen, typically within 30&ndash;90 days of when you buy the item. In addition, most cards offer <a href="http://www.wisebread.com/how-to-take-advantage-of-free-extended-warranty-from-your-credit-card-issuer?ref=internal" target="_blank">extended warranty</a> programs that add up to two years to your manufacturer's warranty. That can save you a bundle on expensive service plans. (See also: <a href="http://www.wisebread.com/how-free-extended-warranties-work-on-credit-cards?ref=seealso" target="_blank">How Free Extended Warranties Work on Credit Cards</a>)</p> <p>Some cards even offer return protection policies, meaning they'll accept your return if the store won't. You'll need to ask to make the return within 90 days of purchase, but that's still longer than many stores allow for refunds.</p> <p>All this is included as long as you pay for the purchase with a card that offers these features. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?ref=seealso" target="_blank">14 Awesome Credit Card Perks You Didn't Know About</a>)</p> <h2>7. Get a Price Match</h2> <p>Not only can your credit card protect your purchases from theft or damage, it may also provide <a href="http://www.wisebread.com/how-to-get-a-price-match-through-your-credit-card?ref=internal" target="_blank">price matching services</a>. If the price goes down on a purchase you made (within a specified amount of time), your card may reimburse you for the difference. Different cards have different policies, but usually you don't have to do anything more than submit a claim. Sometimes the card will even track prices for you and automatically issue you a credit for the price difference. (See also: <a href="http://www.wisebread.com/citi-credit-card-offers-applications-reviews?ref=seealso" target="_blank">Citi Credit Cards and Benefits</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/7-ways-to-save-loads-of-money-using-credit-cards">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/should-you-sign-up-for-that-store-credit-card">Should You Sign Up for That Store Credit Card?</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/should-you-pay-your-bills-with-a-credit-card">Should You Pay Your Bills With a Credit Card?</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/dont-make-these-6-credit-card-sign-up-bonus-mistakes">Don&#039;t Make These 6 Credit Card Sign-Up Bonus Mistakes</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/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</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-credit-cards-with-annual-fees">The 5 Best Credit Cards With Annual Fees</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping big purchases borrowing credit deals offers rewards Wed, 15 Feb 2017 10:30:23 +0000 Jason Steele 1892610 at http://www.wisebread.com The 5 Best Paper Napkins http://www.wisebread.com/the-5-best-paper-napkins <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-paper-napkins" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/puppy_kitten_napkins_519684264.jpg" alt="Puppy and kitten using the five best paper napkins" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Everyone needs napkins; it's just a part of life. Fortunately, you don't need to spend a lot on this everyday necessity, especially if you choose an affordable, quality brand (like the options below).</p> <h2>What Are Paper Napkins?</h2> <p>Paper napkins are used to clean up messes or wipe your hands and face while eating. They are disposable, so they can be tossed at the end of each meal, but that doesn't mean that you should necessarily buy the cheapest ones out there. If you choose quality napkins, you should only need one per meal, so you won't have to waste money on ineffective napkins that won't last through a meal.</p> <h2>Top 5 Paper Napkins</h2> <h3>Vanity Fair Napkins Everyday</h3> <p><a href="http://amzn.to/2kHuVR2"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/vanity%20fair.jpg" width="245" height="134" align="right" alt="" /></a>Amazon's #1 best-seller in paper napkins, the 400-count pack of 13x12.75 <a href="http://amzn.to/2kHuVR2" target="_blank">Vanity Fair Everyday Napkins</a> have a cloth-like texture, so they're softer and larger than your standard napkin. The premium two-ply napkins are thick, strong, and absorbent. The high-quality napkins are durable, so they can last through a meal. They are embossed with a stylish Monterey shell design, so they look nicer than your average napkin. These are Amazon's Choice for paper napkins and one of the &quot;most wished for&quot; items on Amazon. They also have outstanding online reviews.</p> <p><a href="http://amzn.to/2kHuVR2" target="_blank"><em>Currently $10.04 on Amazon</em></a></p> <h3>Bounty Quilted Napkins</h3> <p><a href="http://amzn.to/2leJM8T"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bounty_0.jpg" width="245" height="127" align="right" alt="" /></a>The 12.1x12 <a href="http://amzn.to/2leJM8T" target="_blank">Bounty Quilted Napkins</a> are stronger than your average napkin. The 100-pack of one-ply napkins comes from the trusted Bounty brand, so you can count on them to wipe up big messes. They are durable and don't rip easily, so one napkin should last through a whole meal. These are Influenster's and Good Housekeeping's top choice for paper napkins and an Amazon best-seller. They are also available in various designs and can be upgraded with Bounty's designer dispensers.</p> <p><a href="http://amzn.to/2leJM8T" target="_blank"><em>Currently $6.00 on Amazon</em></a></p> <h3>Seventh Generation White Lunch Napkin</h3> <p><a href="http://amzn.to/2kuRpDJ"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/seventh%20generation.jpg" width="245" height="152" align="right" alt="" /></a>The 250-count pack of one-ply <a href="http://amzn.to/2kuRpDJ" target="_blank">Seventh Generation Napkins</a> offers a better choice for the environment. The napkins are thin, but remain strong and absorbent. They are hypoallergenic, made of 100% recycled paper, and have no added dyes, fragrances, or inks. They are also whitened with an environmentally safe process, without the use of chlorine bleach. They are an Amazon best-seller and one of the &quot;most wished for&quot; items on Amazon.</p> <p><a href="http://amzn.to/2kuRpDJ" target="_blank"><em>Currently $2.84 on Amazon</em></a></p> <h3>Creative Converting Touch of Color Paper Dinner Napkins</h3> <p><a href="http://amzn.to/2lezllz"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/creative%20converting.jpg" width="150" height="245" align="right" alt="" /></a>The 50-count pack of 7.5x4.25 folded <a href="http://amzn.to/2lezllz" target="_blank">Creative Converting Touch of Color</a> two-ply paper dinner napkins are available in endless bright colors. The high-quality napkins are strong, sturdy, and designed to last. They are one of the &quot;most wished for&quot; items on Amazon and have more than 600 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2lezllz" target="_blank"><em>Currently $1.50 on Amazon</em></a></p> <h3>OCCASIONS Dinner Paper Napkins</h3> <p><a href="http://amzn.to/2kQqshk"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/occasions.jpg" width="225" height="210" align="right" alt="" /></a>If you'd like paper napkins that feel like cloth napkins, then the 120-pack of <a href="http://amzn.to/2kQqshk" target="_blank">OCCASIONS Linen Feel dinner paper napkins</a> are right for you. They are thick, soft, absorbent, and strong, even when wet. The high-quality napkins are ideal for everyday use, as well as for weddings and special occasions. In fact, the 16x16 napkins are even pre-folded for silverware. They are backed by great online reviews.</p> <p><a href="http://amzn.to/2kQqshk" target="_blank"><em>Currently $22.90 on Amazon</em></a></p> <p>And those are our recommendations for the best paper napkins. 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-paper-napkins">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-cloth-napkins">The 5 Best Cloth Napkins</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-pet-wipes">The 5 Best Pet Wipes</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-in-home-dry-cleaning-kits">The 5 Best In-Home Dry Cleaning Kits</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-shampoos">The 5 Best Pet Flea Shampoos</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-robotic-mops">The 5 Best Robotic Mops</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping 5 best cleaning goods home products napkins paper napkins product reviews shopping Wed, 15 Feb 2017 10:00:15 +0000 Andrea Cannon 1892845 at http://www.wisebread.com 6 Ways Lust Is Keeping You Poor http://www.wisebread.com/6-ways-lust-is-keeping-you-poor <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-lust-is-keeping-you-poor" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-471099734.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>When you hear the word lust, your mind naturally wanders to sexual desire. But lust goes way beyond that. At the heart of lust is an intense longing for something, be it sex, money, power, possessions, knowledge, war, experience, or as the song goes, life. Sometimes that intense longing is a great motivator, and can drive you to do great things. However, it can also be the root of some serious money problems. Here are seven such examples. How many do you recognize?</p> <h2>1. It Drives You to Buy More Than You Need</h2> <p>An insatiable lust to have the latest, greatest gadgets, clothing, shoes, and other possessions, can leave you in serious financial trouble. For some people, it's not enough to have a good phone. It needs to be the newest model, even if that means replacing a model that's barely six months old.</p> <p>Other people get a rush, and a release of endorphins, when buying new products. They feel a sense of great joy, a thrill, when they purchase items like jewelry, watches, cars, and purses. That thrill, much like the pleasure felt when drinking alcohol or smoking a cigarette, can become addictive. You want to replicate it, and have to keep doing so over and over again. TV shows like <em>Hoarding: Buried Alive</em> have featured people that have rooms filled with clothing, shoes, coats, gadgets, and jewelry that have not only never been used&hellip; they were not even taken out of the shopping bags.</p> <h2>2. It Can Lead to Destructive Addictions</h2> <p>At a base level, lust for sex and sexual imagery has become an increasingly dangerous problem in the U.S., and around the world. Easy, instant access to X-rated materials on the Internet has led to thousands of cases of addiction to this highly stimulating resource. And while it is free on some levels, it can become expensive, especially with monthly subscription fees and webcam model charges. What's worse is that this addiction can spill over into other avenues of life. People become so obsessed that they look up materials at work, leading to disciplinary action and job losses. Relationships suffer, and the abuse of alcohol, marijuana, and even food, leads the addict into a spiraling cycle of defeat and depression.</p> <h2>3. It Can Severely Cloud Your Judgment</h2> <p>When engulfed by lust, your brain is not thinking clearly. And again, this is not just about sexual desire. A prime example of this can be found at any auction, when several people want the same item, and a bidding war breaks out. People who are normally of very sound mind, and who set a price they would not go over before the auction, lose their common sense. They want it. They have to have it. They will go over their limit by hundreds, or even thousands of dollars. Some have described the experience as being in a euphoric fog, which clears and makes way for shame and regret once the furor has died down. You may have experienced something like this yourself, especially if you've done a little gambling in Las Vegas. Lust for money, sex, and power can all lead to some very muddy thinking.</p> <h2>4. It Consumes Your Valuable Time</h2> <p>Lust is one of the <a href="http://www.wisebread.com/topic/seven-deadly-sins?ref=internal" target="_blank">seven deadly sins</a> that can utterly consume your every waking moment. When you are gripped by lust, nothing else matters. Indeed, the very definition of lust contains words like &quot;uncontrollable desire&quot; and &quot;inordinate cravings,&quot; neither of which can be viewed as positive. People under the spell of lust will find themselves constantly performing actions that keep them highly focused on the object of their intense affections, be it a person, a possession, or a promotion. Nothing else matters. Your life, and your existence, bows down to this one overwhelming drive, and you can find it very easy to block out all other aspects of life. Bills don't get paid. Loved ones go ignored. Your performance at work suffers. Your time is being eaten up by one thing, and that can only lead to a loss&hellip; in more ways than one.</p> <h2>5. It Makes You Do Things That Are Out of Character</h2> <p>Someone obsessed by a deep desire for something will start to make decisions that are surprising, or even shocking to friends and family. You have no doubt witnessed it yourself. Perhaps a good friend became infatuated with someone at work, and started to do things that were way out of character; for instance, spending more money on items and pastimes that they would never have done a few months earlier. This is lust at its darkest and most dangerous. When you really want something; when nothing else matters; when the pursuit and possession of something is your only goal; that's when you can momentarily lose yourself and in the process, lose friends, money, opportunities &mdash; even your job.</p> <h2>6. It Can Literally Destroy Your Life</h2> <p>That may sound dramatic, but it's a sad fact. Every year, thousands of people around the world find their lives in ruins due to the domino effect of lust. For some people, they get embroiled in the highly addictive world of adult websites, forking over monthly fees and exposing their credit cards to some very sketchy businesses. Identity theft is common when the victim is engaging in an activity they would rather not let other people find out about. It can be embarrassing to report, and even harder to pursue a claim. Other people lust after things they just cannot have, and get into debt, gamble, take out payday loans, and find themselves in a world of financial hurt. And then there are those who lose friends and family, which can lead to substance abuse and other forms of hardship. At the end of the day, lust is dangerous because it controls you, way more than any other sin. If you don't spot the warning signs early enough, you could find yourself in serious trouble.</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-ways-lust-is-keeping-you-poor">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/flashback-friday-42-ways-the-7-deadly-sins-are-keeping-you-poor">Flashback Friday: 42 Ways the 7 Deadly Sins Are Keeping You Poor</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/flashback-friday-104-sweet-ways-to-celebrate-valentines-day">Flashback Friday: 104 Sweet Ways to Celebrate Valentine&#039;s Day</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/make-these-6-relationship-moves-now-or-youll-regret-it-in-20-years">Make These 6 Relationship Moves Now or You&#039;ll Regret It in 20 Years</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-sloth-is-keeping-you-poor">6 Ways Sloth Is Keeping You Poor</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-much-should-you-actually-be-spending-on-a-date">How Much Should You Actually Be Spending on a Date?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping Dating keeping you poor love lust relationships seven deadly sins sins Valentine's Day Tue, 14 Feb 2017 10:01:04 +0000 Paul Michael 1889314 at http://www.wisebread.com Best Money Tips: Ways to Use Your Phone to Save at the Grocery Store http://www.wisebread.com/best-money-tips-ways-to-use-your-phone-to-save-at-the-grocery-store <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-use-your-phone-to-save-at-the-grocery-store" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_grocery_store_493685390.jpg" alt="Couple using their phone to save at the grocery store" title="" class="imagecache imagecache-250w" width="250" height="144" /></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 ways your phone can help you slash grocery costs, how afford an amazing trip in 2017, and date night ideas for busy parents.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneytalksnews.com/great-websites-and-apps-that-cut-the-cost-home-meals/">9 Ways Your Phone Can Slash Grocery Costs</a> &mdash; These websites and apps can help you save at the grocery store and stretch your ingredients at home. [Money Talks News]</p> <p><a href="http://www.cheapism.com/blog/save-up-for-vacation-4061/">Start Planning Now: 11 Steps to Affording an Amazing Trip in 2017</a> &mdash; The first step is to create a bank account just for your vacation fund. [Cheapism]</p> <p><a href="http://couplemoney.com/frugal-fun/date-night-ideas-busy-parents/">10 Date Night Ideas for Busy Parents</a> &mdash; When you're pressed for time, consider these cheap and productive date night ideas. [Couple Money]</p> <p><a href="http://www.popsugar.com/smart-living/How-Sleep-Planes-40563198">12 Tips For Sleeping on a Plane Like a Pro</a> &mdash; Bring an eye mask to block out lights from the window or your neighbor's devices. You'll have the illusion that it's nighttime even when it isn't. [PopSugar Smart Living]</p> <p><a href="http://www.csmonitor.com/Business/The-Bite/2017/0208/The-fight-to-save-the-rusty-patched-bumble-bee-and-how-you-can-help">The fight to save the rusty-patched bumble bee and how you can help</a> &mdash; There's a 90% probability of extinction for the rusty-patched bumble bee if no action is taken to save it. [The Monitor]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.shebudgets.com/personal-finance/10-reasons-bad-idea-co-sign-loan/56392">10 Reasons It&rsquo;s a Bad Idea to Co-Sign a Loan</a> &mdash; It can seem like a helpful gesture, but co-signing a loan for someone could end badly for you in so many ways. [SheBudgets]</p> <p><a href="http://www.dumblittleman.com/coworking-with-pets/">7 Tips to Happy Coworking with Your Pets</a> &mdash; Your pet has needs and priorities that may interfere with yours while you are working from home. If they are becoming too disruptive or distracting, find ways to modify their behavior so that they are happy and you are productive. [Dumb Little Man]</p> <p><a href="http://www.easyways.net/7-easy-ways-use-overripe-bananas/">7 Easy Ways To Use Overripe Bananas</a> &mdash; Overripe bananas are great to use in banana cream, banana fritters, and a moisturizing face mask! [easyWays]</p> <p><a href="http://www.abcmoney.co.uk/2017/02/10/formal-and-fashionable-how-to-wear-a-business-suit-abcmoney-co-uk/">Formal and Fashionable: How to Wear a Business Suit</a> &mdash; Not all business suits are the same! Familiarize yourself with the different styles, materials, and colors to find suits that you can wear with confidence. [ABC Money]</p> <p><a href="http://parentingsquad.com/5-reasons-you-should-take-away-your-kids-devices">5 Reasons You Should Take Away Your Kids' Devices</a> &mdash; Turning to their phones is an easy way to avoid conversation when they're shy, but kids need to learn how to interact with other people. [Parenting Squad]</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-ways-to-use-your-phone-to-save-at-the-grocery-store">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-best-and-worst-times-to-go-grocery-shopping">The Best and Worst Times to Go Grocery Shopping</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-only-15-foods-that-are-worth-buying-organic">The Only 15 Foods That Are Worth Buying Organic</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-grocery-shop-for-five-on-100-a-week">How to Grocery Shop for Five on $100 a Week</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-produce-workers-guide-to-choosing-fruits-and-vegetables">The Produce Worker&#039;s Guide to Choosing Fruits and Vegetables</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-healthiest-grocery-stores">The 6 Healthiest Grocery Stores</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best money tips grocery shopping Mon, 13 Feb 2017 17:07:58 +0000 Amy Lu 1890387 at http://www.wisebread.com 4 Reasons Credit Is Safer Than Debit http://www.wisebread.com/4-reasons-credit-is-safer-than-debit <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-reasons-credit-is-safer-than-debit" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-534335174.jpg" alt="Woman learning credit is safer than debit" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>A debit and credit card may look the same, but they offer very different services. One takes money directly out of your bank account at the point of purchase. The other sends you a bill at the end of the month to pay for your transactions. If you're a Millennial who grew up during the Great Recession or someone else who's struggled with debt, a debit card may be your first choice for payment.</p> <p>But overall, Americans increasingly prefer credit cards to debit cards. In 2016, credit cards for the first time surpassed debit cards as the favored payment method, according to the TSYS 2016 U.S. Consumer Payment Study. Forty percent of respondents chose credit cards as their most preferred payment type, compared to 35% who chose debit cards.</p> <p>That makes sense from a security perspective. While debit cards have the advantage of preventing you from going into debt, they don't compare to credit cards when it comes to safety. Here's why.</p> <h2>More Types of Credit Card Transactions Are Protected by Law<strong> </strong></h2> <p>Credit card users are much better protected by law. The <a href="https://www.ftc.gov/sites/default/files/fcb.pdf" target="_blank">Fair Credit Billing Act</a> (FCBA) allows you to dispute not only fraudulent charges on your account, but also charges that are the result of merchant error. You can even dispute authorized charges and temporarily withhold payments &mdash; without harm to your credit score &mdash; if you are unsatisfied with the goods or services you purchased and the merchant won't refund your money. (The goods must be worth $50 or more and have been bought within 100 miles of your home in order to qualify for this protection.)</p> <p>In contrast, debit cards are protected by the <a href="https://www.federalreserve.gov/boarddocs/supmanual/cch/efta.pdf" target="_blank">Electronic Fund Transfer Act</a>, which doesn't cover disputes on authorized charges to your debit card, just unauthorized charges. (See also: <a href="http://www.wisebread.com/why-millennials-should-embrace-credit-cards?ref=seealso" target="_blank">Why Millennials Should Embrace Credit Cards</a>)</p> <h2>Credit Cards Users Enjoy a More Generous Dispute Window</h2> <p>Legally, you've got more time to dispute a credit card charge than a debit card charge. The FCBA caps your liability at $50 as long as you dispute the transaction within 60 days of the date your billing statement was mailed to you. And there's no time limit for disputes if your credit card was included in a <a href="http://www.wisebread.com/heres-what-to-do-immediately-after-a-credit-card-breach?ref=internal" target="_blank">security breach</a>.</p> <p>With debit cards, your liability is also legally limited to $50, but only if you report the billing error <em>within two business days of the transaction</em>. The liability cap goes up to $500 if you report the mistake within 60 days, and you may not have any protections at all if you wait longer than that.</p> <h2>Fraudulent Credit Card Charges Don't Have an Immediate Impact<strong> </strong></h2> <p>Should a criminal make an unauthorized charge or a vendor accidentally charge you the wrong amount on your debit card, your bank account will be immediately affected until you can resolve the problem. That's not so for a credit card. An accidental or fraudulent charge on your credit card will affect your available credit until you dispute it, but unlike a charge made on your debit card, it won't affect your ability to pay bills from your bank account. (See also: <a href="http://www.wisebread.com/top-seven-reasons-why-i-use-my-credit-card-for-everything?ref=seealso" target="_blank">7 Reasons I Use My Credit Card for Everything</a>)</p> <h2>Credit Cards Protect Your Purchases Better Than Debit Cards<strong> </strong></h2> <p>Credit cards often come with one or all of the following <a href="http://www.wisebread.com/4-surprising-reasons-to-always-use-your-credit-card?ref=internal" target="_blank">protective benefits on purchases</a>.</p> <h3>Purchase Protection<strong> </strong></h3> <p>If your purchase is stolen or accidentally damaged, this benefit can replace or repair it, or reimburse you for its cost. Policies vary, but some cover you for up to $10,000. (See also: <a href="http://www.wisebread.com/how-credit-cards-protect-your-purchases-from-damage-or-theft?ref=seealso" target="_blank">How Credit Cards Protect Your Purchases From Damage or Theft</a>)</p> <h3>Extended Warranty<strong> </strong></h3> <p>Most credit cards offer an extended warranty policy that can add up to two years to the manufacturer's warranty of covered items. (See also: <a href="http://www.wisebread.com/how-free-extended-warranties-work-on-credit-cards?ref=seealso" target="_blank">How Free Extended Warranty Works on Credit Cards</a>)</p> <h3>Return Protection<strong> </strong></h3> <p>There are times when you want to return a purchase, but the retailer will not accept it. Credit cards that offer a return protection policy may issue you a refund if you contact them within 90 days of the purchase.</p> <p>It's extremely rare to find a debit card that offers you any of these benefits. (See also: <a href="http://www.wisebread.com/credit-cards-vs-debit-cards-a-comprehensive-comparison?ref=seealso" target="_blank">Credit Cards vs. Debit Cards: A Comprehensive Comparison</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/4-reasons-credit-is-safer-than-debit">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-6"> <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-free-extended-warranties-work-on-credit-cards">How Free Extended Warranties Work on Credit Cards</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/how-to-return-items-through-your-credit-card-if-the-store-refuses">How to Return Items Through Your Credit Card If the Store Refuses</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-awesome-credit-card-perks-you-didnt-know-about">14 Awesome Credit Card Perks You Didn&#039;t Know About</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-credit-cards-protect-your-purchases-from-damage-or-theft">How Credit Cards Protect Your Purchases From Damage or Theft</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/11-ways-your-credit-card-will-save-you-money-while-holiday-shopping">11 Ways Your Credit Card Will Save You Money While Holiday Shopping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping credit card fraud credit card perks credit score debit card fraud purchase protection Warranty Mon, 13 Feb 2017 10:00:10 +0000 Jason Steele 1889312 at http://www.wisebread.com Flashback Friday: 36 Things You Should Buy Second Hand http://www.wisebread.com/flashback-friday-36-things-you-should-buy-second-hand <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-36-things-you-should-buy-second-hand" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_thrift_shopping_185240238.jpg" alt="Women finding things they should buy second hand" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Just because you need to buy something new, doesn't mean it needs to be <em>brand spanking</em> new. There are plenty of items that are perfectly safe to buy second hand that will still be new to you. And most used items are marked down so much that it's hard to argue with the amount of money you'll save by doing so. Here are 36 things you should really buy used.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fancy_silver_spoons_000017376537.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-household-items-that-are-better-second-hand?ref=fbf" target="_blank">7 Household Items That Are Better Second-Hand</a> &mdash; Do you really need to pay top dollar for new flatware and appliances? The answer is no! You can find plenty of gently used kitchen and home goods that are still in good shape.</p> <p><a href="http://www.wisebread.com/9-car-parts-that-are-safe-to-buy-used?ref=fbf" target="_blank">9 Car Parts That Are Safe to Buy Used</a> &mdash; When it comes to your car, you always want everything to have as little wear and tear as possible, right? Well, that doesn't mean every car part has to be new. These are the items you can replace that are safe to buy used.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_thrift_store_000079170807.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/thrifting-the-perfect-designer-wardrobe?ref=fbf" target="_blank">Thrifting the Perfect Designer Wardrobe</a> &mdash; Most of us can't afford to splurge on brand-new designer clothes and accessories, but head to the thrift store and those same items can be found gently used and deeply discounted. You can still look like an A-lister on a savvy saver budget.</p> <p><a href="http://www.wisebread.com/8-things-you-should-always-buy-used?ref=fbf" target="_blank">8 Things You Should Always Buy Used</a> &mdash; Cars! Homes! Books! Tools! Why buy them new when they're an absolute steal second hand? Another item on this list: rescue dogs. And are you really gonna turn away from the aged face of a pup in need?</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/baby_white_crib_97471605.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-creative-ways-to-upcycle-used-baby-furniture?ref=fbf" target="_blank">8 Creative Ways to Upcycle Used Baby Furniture</a> &mdash; Buying used baby furniture isn't always a good idea since safety regulations are often changing, but you could still buy any of these items and upcycle them into something chic and useful.</p> <p><a href="http://www.wisebread.com/3-great-reasons-to-choose-a-secondhand-engagement-ring-and-where-to-find-one?ref=fbf" target="_blank">3 Great Reasons to Choose a Secondhand Engagement Ring (and Where to Find One)</a> &mdash; Thinking about popping the question? Luckily, there's absolutely no need to spend two months' salary on a beautiful diamond ring when you buy one second hand for way less. Besides, does your beloved want a giant rock, or a blissful, debt-free life?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-36-things-you-should-buy-second-hand">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-11"> <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/flashback-friday-42-ways-the-7-deadly-sins-are-keeping-you-poor">Flashback Friday: 42 Ways the 7 Deadly Sins Are Keeping You Poor</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/flashback-friday-40-best-budget-friendly-travel-tips-ever">Flashback Friday: 40 Best Budget-Friendly Travel Tips Ever</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/flashback-friday-30-brilliant-ways-to-survive-black-friday-madness">Flashback Friday: 30 Brilliant Ways to Survive Black Friday Madness</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/flashback-friday-47-best-back-to-school-shopping-hacks-ever">Flashback Friday: 47 Best Back-to-School Shopping Hacks Ever</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-85-best-ways-to-save-on-halloween-this-year">Flashback Friday: 85 Best Ways to Save on Halloween This Year</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping fbf flashback friday save money secondhand shop smart thrift shop thrifting used items Fri, 10 Feb 2017 10:30:31 +0000 Chrissa Hardy 1889853 at http://www.wisebread.com