Shopping http://www.wisebread.com/taxonomy/term/1/all en-US Best Money Tips: Deals and Steals for May http://www.wisebread.com/best-money-tips-deals-and-steals-for-may <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-deals-and-steals-for-may" 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_000072965053.jpg" alt="Woman finding deals and steals for may" 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 helpful articles deals to look for in May, old tech that you should purge to save money and space, and why store closing sales aren&rsquo;t sales at all.</p> <h2>Top 5 Articles</h2> <p><a href="http://parentingsquad.com/family-shopping-guide-deals-and-steals-for-may">Family Shopping Guide: Deals and Steals for May</a> &mdash; You'll likely see mattresses discounted more than 50% during May. [Parenting Squad]</p> <p><a href="http://www.moneytalksnews.com/save-money-and-space-purging-old-technology-from-your-life/">Save Money (and Space) by Purging Old Technology From Your Life</a> &mdash; It may be time to phase out your DVD player. Streaming options make it cheaper and faster than ever to watch new movies. [Money Talks News]</p> <p><a href="http://www.wakeupcloud.com/overcoming-fear/">Store closing sales: Why you won't save as much as you think</a> &mdash; When a store goes out of business, they hire a liquidation company to flip the remaining stock, fast &mdash; and the prices at these liquidation sales are often higher than usual. [The Monitor]</p> <p><a href="http://www.popsugar.com/smart-living/Homemade-Carpet-Cleaner-26558849">You'll Love This Powerful Homemade Carpet Cleaner</a> &mdash; This cheap and eco-friendly concoction will spot-clean your carpet (and furniture, and rugs, and drapes) like a boss! [PopSugar Smart Living]</p> <p><a href="http://momsneedtoknow.com/10-popular-vegetables-grow-containers/">10 Most Popular Vegetables to Grow in Containers</a> &mdash; Add some superfoods to your diet&hellip;and your container garden! Spinach and kale are two veggies that grow really well in containers. [Moms Need to Know]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.thesimpledollar.com/the-15-retirement-plan/">The $15 Retirement Plan</a> &mdash; Saving for retirement isn't impossible. Start by investing $15 a day into a Roth IRA. [The Simple Dollar]</p> <p><a href="http://www.cleverdude.com/content/3-things-to-know-when-shopping-for-a-new-air-conditioner/">3 Things To Know When Shopping For A New Air Conditioner</a> &mdash; An air conditioner's Seasonal Energy Efficiency Ratio (SEER) rating tells you how energy efficient the unit is. You generally save 5% to operate the unit for each SEER rating increase. [Clever Dude]</p> <p><a href="http://www.everybodylovesyourmoney.com/2016/04/27/what-the-average-american-family-spends-on-food.html">What the Average American Family Spends on Food</a> &mdash; How much do you spend on food? If the answer is &quot;Too much,&quot; take these steps to reduce your food expenses. [Everybody Loves Your Money]</p> <p><a href="http://couplemoney.com/real-estate/buy-right-house/">How to Buy the Right House for You</a> &mdash; There is a lot of advice out there for house hunters, but some advice may not be best for your situation. Avoid house fever and myths that don't align with what you're looking for in a house. [Couple Money]</p> <p><a href="http://www.wakeupcloud.com/overcoming-fear/">33 Powerful Ways of Overcoming Fear &hellip; Right Now</a> &mdash; Overcoming fear starts with awareness that the fear is causing havoc in your life. [Wake Up Cloud]</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-deals-and-steals-for-may">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/4-sneaky-store-perks-that-make-you-overspend">4 Sneaky Store Perks That Make You Overspend</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things">4 Reasons You Should Splurge on Experiences, Not Things</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-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</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-extra-virgin-olive-oils">The 5 Best Extra Virgin Olive Oils</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/4-ways-to-spot-and-avoid-a-fake-sale">4 Ways to Spot and Avoid a Fake Sale</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best money tips may deals Mon, 02 May 2016 10:00:06 +0000 Amy Lu 1700556 at http://www.wisebread.com 4 Sneaky Store Perks That Make You Overspend http://www.wisebread.com/4-sneaky-store-perks-that-make-you-overspend <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-sneaky-store-perks-that-make-you-overspend" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sale_sign_000081444051.jpg" alt="Woman spending more with store&#039;s liberal return policy" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Retailers are notorious for finding clever ways to separate you from your hard-earned money. Many of these tactics, at first glance, seem completely harmless. After all, who doesn't like <a href="http://www.wisebread.com/8-free-things-that-arent" target="_blank">free shipping</a>, or an awesome return policy? But it's not until we dig a little deeper into the motivation as to why these &quot;perks&quot; are offered, that we see the real reasoning. Here are a few of these so-called &quot;perks&quot; and how we can avoid the retail traps.</p> <h2>Liberal Return Policies</h2> <p>Have you ever been in a store, trying to decide on a purchase, and told yourself you'll go ahead and buy it and just return it later if you don't use it? If you have, you're in the same boat as 91% of Americans who <a href="http://www.nytimes.com/allbusiness/AB4353479_primary.html">factor in the store's return policy</a> when making a purchase. But what you probably don't know is that the store is banking on you making this decision and often has a liberal return policy in place to help sway your buying decision.</p> <p>The fact of the matter is stores use their return policies as a way to pad their bottom-line because they know a percentage of shoppers won't ever bother to return the item. Instead, they'll keep it lying around, with a bunch of other stuff they don't need. The evidence even shows that the longer return window a store gives, the <a href="http://www.becomingminimalist.com/return/">less likely we are</a> to return the item. We tend to get attached to it, forget we even have it, or use good ol' procrastination to tell ourselves we have plenty of time to return it.</p> <p>So the next time you're standing in the aisle ciphering over a significant purchase, don't let the store's return policy trick you into making the purchase. Instead, make the decision based solely on need and a competitive price. If you use a liberal return policy as the deciding factor, be aware that you're playing right into the retailer's hand.</p> <h2>The Psychology of Free Shipping</h2> <p>Online retailers know that free shipping is a big deal for shoppers. As a matter of fact, 96% of online shoppers are more likely to shop on a <a href="http://www.inc.com/peter-roesler/why-free-shipping-is-a-must.html">website that offers free delivery</a>. But don't let free shipping blind you to other important factors you should consider. Namely the price of the item, how costly it might be to return the item, and the reputation of the website. In other words, don't let the attractiveness of free shipping keep you from doing a quick price comparison with an app like&nbsp;<a href="http://shopsavvy.com/">ShopSavvy</a>. After all, free shipping isn't that big of a deal if a competing retailer has a better price, even when factoring in shipping costs.</p> <h2>Attractive Rebate Offers</h2> <p>When I worked in the paint department at The Home Depot, we periodically had a &quot;rebate weekend&quot; where you got $5 back on a gallon of paint and $20 back on five gallons. But the rebate wasn't instant &mdash; it required you to mail in your receipt and wait for the rebate check to show up in the mail a few weeks later. You wouldn't believe the number of repeat customers I'd talk to that would buy paint with every intention of mailing-in the rebate, but would fail to do so.</p> <p>The fact of the matter is that rebates are still in the &quot;snail mail&quot; stone age. This is for a reason &mdash; retailers want to make them as hard as possible to redeem so shoppers will put them in the desk drawer and forget about them. And guess what? It works. Redemption rates hover in the 40%&ndash;50% range depending on the size of the rebate.</p> <p>The takeaway here is to always mail in the rebate as quickly as possible. The longer you wait, the more likely you are to not take the time to get your money. I strongly recommend keeping the rebate in your bill pile and fill it out the next time you sit down to pay your monthly bills.</p> <h2>&quot;Cheap&quot; Add-On Items</h2> <p>Just the other day, I was purchasing a workout program online and was happy to see it would only cost me $39.99 for several DVDs and a meal planning guide. Then when I was checking out, the site kept promoting these add-on products before they would let me get to the actual checkout page. Having only paid $40 for the program, I found myself intrigued and ended up spending another $30 for a bonus DVD, water bottle, and a couple cool trinkets.</p> <p>After I finished my purchase and was reviewing my order, I realized that I had played right into their hands. They offered a product for less than what I expected to pay, then persuaded me into buying some relatively expensive add-on items that do nothing but pad the store's bottom-line. You see this technique done all the time with infomercials and most recently with Amazon, which forces Prime customers to bundle purchases that include add-on items. Buyer beware.</p> <p><em>How do you avoid spending more when the deal looks too good to pass up?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/4-sneaky-store-perks-that-make-you-overspend">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/5-times-coupons-trick-you-into-spending-more-money">5 Times Coupons Trick You Into Spending More Money</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-save-10-20-on-online-purchases-every-day">How to Save 10-20% on Online Purchases, Every 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/how-to-get-free-shipping-and-online-discounts-across-the-web">How to Get Free Shipping and Online Discounts Across the Web</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/you-cant-save-if-you-dont-try">You Can’t Save if You Don’t Try</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-youre-being-a-terrible-customer">8 Ways You&#039;re Being a Terrible Customer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping fake perks free shipping rebates retailers return policy sales tactics Secrets Thu, 28 Apr 2016 09:01:03 +0000 Kyle James 1697848 at http://www.wisebread.com The 5 Best Body Scrubs http://www.wisebread.com/the-5-best-body-scrubs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-body-scrubs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_body_scrub_000077483063.jpg" alt="Woman using best body scrubs for clear skin" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Using a body scrub in the shower will leave your skin soft and smooth before you ever apply lotion. A salt scrub is one of the most popular body treatments at the spa, but you don&rsquo;t need to spend extra money at a spa to get those intense results. With the right body scrub, you can reveal your most beautiful skin from home.</p> <h2>What Is Body Scrub?</h2> <p>Body scrub is a skin care item that can cleanse and exfoliate the body. It can also stimulate circulation in the skin, remove dead skin cells, and provide a refreshing massage first thing in the morning. The scrubs typically contain a combination of sugar or salt to gently scrub the skin and remove the outer dead layer of skin to reveal a new layer of softer, brighter skin underneath. With continued use, a quality scrub can provide you with smoother, firmer skin and a range of other beauty and health benefits.</p> <p>Body scrub can be applied directly to the skin, or it can be applied with a loofah or washcloth. After your shower, slather on a quality moisturizer or body butter and your skin will feel silky smooth all day. (See also: <a href="http://www.wisebread.com/the-5-best-body-butters?ref=seealso">The 5 Best Body Butters</a>)</p> <h2>Top 5 Body Scrubs</h2> <h3>Tree Hut Shea Sugar Scrub</h3> <p><a href="http://www.amazon.com/gp/product/B00BLHYD3G/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00BLHYD3G&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4JGPQ3JAVZ5OUQXR"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/treehut.jpg" width="184" height="200" align="right" alt="" /></a>The award-winning <a href="http://www.amazon.com/gp/product/B00BLHYD3G/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00BLHYD3G&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4JGPQ3JAVZ5OUQXR">Tree Hut Shea Sugar Scrub</a> uses whole sugar grains to provide an effective, yet gentle, exfoliation and remove dead skin cells. It contains Shea Nut Oil, certified organic Shea Butter products, Amazon Pequi extract, and other beneficial natural extracts to repair and moisturize your skin. It is also enriched with Safflower Seed Oil, Evening Primrose Oil, Sweet Almond Oil, Avocado Oil, Macadamia Seed Oil, Orange Oil, and vitamins A, C, and E to keep your skin looking youthful and feeling soft. It has a thick texture and unlike many other body scrubs, this one will not separate into two parts (the scrub and the oil), so you won&rsquo;t have to worry about mixing it up before using it.</p> <p>Most reviewers have noticeable results from the very first use, and some even experienced great results on acne and dark spots. It can also help promote elasticity, provide anti-aging benefits, improve complexion, support collagen formation, detoxify and rejuvenate the skin, reduce sun damage, and provide your skin with a natural sheen. It also has an exotic tropical scent that most reviewers can&rsquo;t seem to get enough of.</p> <p>The paraben-free scrub is really affordable, but can stand up to the more expensive sugar scrubs. Available in a number of tempting scents, you are sure to find one that brightens your mornings and awakens your skin. This is a TotalBeauty &ldquo;Best of&rdquo; top-rated beauty product and has outstanding reviews online from both men and women, including on Amazon and Ulta.</p> <p><a href="http://www.amazon.com/gp/product/B00BLHYD3G/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00BLHYD3G&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4JGPQ3JAVZ5OUQXR"><em>Currently $9.29 on Amazon</em></a></p> <h3>Neutrogena Body Clear Scrub</h3> <p><a href="http://www.amazon.com/gp/product/B00UOLBEAA/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00UOLBEAA&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4QTFA5EJVN465MTJ"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/neutrogena_3.jpg" width="87" height="245" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B00UOLBEAA/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00UOLBEAA&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4QTFA5EJVN465MTJ">Neutrogena Body Clear Scrub</a> is a cult classic for a reason. You won&rsquo;t find a better selection for acne-prone skin. It has a light, clean scent and contains sandy scrubbing beads that won&rsquo;t tear up your skin or cause any irritation. It works quickly so you can expect real results, real fast, even on stubborn acne. It uses salicylic acid and gentle exfoliators to cleanse your skin, fight acne breakouts, and even prevent future breakouts from forming. It was the first of its kind to contain salicylic acid, and is a must-have for anyone suffering from body acne. It is oil-free and will buff away dead skin cells to leave your skin soft and smooth after every use. It is also non-comedogenic, so it won&rsquo;t clog your pores or lead to further breakouts.</p> <p>The dermatologist-recommended scrub is ideal for all skin types, even sensitive skin. It can be used on the entire body, or only on acne-prone areas. It is an Allure Readers&rsquo; Choice Winner and has outstanding reviews from acne sufferers.</p> <p><a href="http://www.amazon.com/gp/product/B00UOLBEAA/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00UOLBEAA&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4QTFA5EJVN465MTJ"><em>Currently $5.97 on Amazon</em></a></p> <h3>Bath &amp; Body Works AROMATHERAPY Stress Relief Sugar Scrub</h3> <p><a href="http://www.amazon.com/gp/product/B005LZUP36/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B005LZUP36&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DKYZA2DHJOIBRPKN"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bath%20and%20body.jpg" width="200" height="164" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B005LZUP36/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B005LZUP36&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DKYZA2DHJOIBRPKN">Bath &amp; Body Works AROMATHERAPY Stress Relief Eucalyptus Spearmint Sugar Scrub</a> contains eucalyptus oil and tea to help soothe your mind before you deal with the stresses of the day. The sugar scrub is gritty, but gentle, and contains quite a bit of oil, which allows the scrub to glide over the skin. Once you wash away the scrub, it will leave your skin shimmery from the oil, and glowing from the scrub. The scent will remind you of an upscale salon, so you&rsquo;ll feel like you&rsquo;re spending a day at the spa every time you shower.</p> <p>Bath &amp; Body Works body scrubs top the charts for the most beloved scrubs on the market. You can choose from endless scents to find the one that best suits your personal style. This eucalyptus spearmint scent offers stress relief benefits and is the perfect way to start or end your day. To intensify the effects, breathe deeply to promote stress relief. It is a TotalBeauty &ldquo;Best of&rdquo; top-rated beauty product and has outstanding online reviews from both men and women. In fact, many reviewers said this is their daily beauty must-have.</p> <p><a href="http://www.amazon.com/gp/product/B005LZUP36/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B005LZUP36&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DKYZA2DHJOIBRPKN"><em>Currently $13.99 on Amazon</em></a></p> <h3>Aveeno Positively Nourishing Aveeno Smoothing Body Wash</h3> <p><a href="http://www.amazon.com/gp/product/B002ZN3JF8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002ZN3JF8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=5WLI7LZDPQ3XSGZV"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/aveeno_1.jpg" width="71" height="245" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B002ZN3JF8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002ZN3JF8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=5WLI7LZDPQ3XSGZV">Aveeno Positively Nourishing Smoothing Body Wash</a> uses the power of rice beads, walnut shells, and natural exfoliants to remove dry, dull skin. This results in a scrub that is grainy, but not scratchy. Your skin will feel softer and look radiantly bright after every use. It is lightly scented with pomegranate, and contains nourishing oils that work with the steam of your shower. Reviewers tend to agree that this has a very pleasant scent that isn&rsquo;t strong, so it shouldn&rsquo;t interfere with your perfume or cologne.</p> <p>You can&rsquo;t go wrong with anything from the Aveeno brand. After all, if it&rsquo;s good enough for Jennifer Aniston&rsquo;s flawless skin, it&rsquo;s worth a shot. The Aveeno brand has also been recommended by dermatologists for more than 60 years. This scrub is also the 2015 Allure Best of Beauty Award Winner and has outstanding reviews online.</p> <p><a href="http://www.amazon.com/gp/product/B002ZN3JF8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002ZN3JF8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=5WLI7LZDPQ3XSGZV"><em>Currently $10.99 on Amazon</em></a></p> <h3>100% Natural Arabica Coffee Scrub</h3> <p><a href="http://www.amazon.com/gp/product/B0169PFLFI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0169PFLFI&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=IXOTONA6WBUZBFDO"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/arabica.jpg" width="200" height="200" align="right" alt="" /></a>Most people agree that a <a href="http://www.amazon.com/gp/product/B0169PFLFI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0169PFLFI&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=IXOTONA6WBUZBFDO">Natural Arabica coffee scrub</a> will work wonders on your skin, and there are a number of highly rated coffee scrubs available for you to choose from, but none are as highly rated as the 100% Natural Arabica Coffee Scrub with Organic Coffee, Coconut, and Shea Butter. It can help you fight acne, whiteheads, blackheads, cellulite, stretch marks, eczema, dark spots, scarring, hyperpigmentation, psoriasis, age spots, dry skin, and wrinkles, all at once. It accomplishes so much, all while hydrating, detoxifying, tightening, and beautifying the skin. The caffeine can also serve as a vascular restrictor, meaning that it will reduce the appearance of varicose veins and spider veins by shrinking the blood vessels. It is completely natural and safe enough to use on any area of the body or face, even around the sensitive eye area.</p> <p>It offers gentle, yet effective, exfoliation with beneficial ingredients like coffee, Organic Shea Butter, Dead Sea Salt, Organic Coconut Extract, Organic Olive Oil, Organic Sweet Almond Oil, Organic Grape Seed Oil, and Cacao Extract. It is also loaded with antioxidants, which can nourish and protect your skin from further damage. The all-natural scrub will leave your skin soft, smooth, moisturized, and glowing. It can also restore elasticity, stimulate blood flow and circulation, boost cell turnover, repair sun damage, even skin tone, and reduce fine lines, swelling, and inflammation. While it doesn&rsquo;t have a strong scent, some reviewers detected a faint smell of coffee after getting out of the shower.</p> <p>This offers a great deal and can save you time in the morning because the same product can be used on both the face and the body. It is an Amazon best seller, one of the &ldquo;most wished for&rdquo; items on Amazon, and has more than 2,000 five-star reviews on Amazon. It is also backed by a 100% satisfaction guarantee, so you are bound to be happy.</p> <p><a href="http://www.amazon.com/gp/product/B0169PFLFI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0169PFLFI&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=IXOTONA6WBUZBFDO"><em>Currently $14.50 on Amazon</em></a></p> <p>And those are our recommendations for the best body scrubs. 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-body-scrubs">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-13"> <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-highlighters">The 5 Best Highlighters</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-manicure-kits">The 5 Best Manicure 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-lip-stains">The 5 Best Lip Stains</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-hair-serums">The 5 Best Hair Serums</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-hairsprays">The 5 Best Hairsprays</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping beauty beauty products body scrubs product reviews shopping skin scrub skincare Wed, 27 Apr 2016 09:00:04 +0000 Andrea Cannon 1691720 at http://www.wisebread.com 5 Ways to Make Retail Therapy Good for You http://www.wisebread.com/5-ways-to-make-retail-therapy-good-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-make-retail-therapy-good-for-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000023781556_Large.jpg" alt="making retail therapy healthy" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>After a long and frustrating day, nothing feels better than heading to your favorite store. When you emerge an hour later with heavily laden bags and a lighter wallet, you have forgotten all about the argument with your coworker, and you head home feeling much more cheerful.</p> <p>The only problem with this scenario is the lighter wallet.</p> <p>But what if you could have your retail therapy and balance your budget at the same time? As it turns out, researchers have discovered that shopping really does give you a needed pick-me-up, and used in moderation, retail therapy offers several psychological rewards.</p> <p>Here is what you need to know about the psychological soundness of retail therapy &mdash; and some suggestions for how to make your therapeutic shopping profitable.</p> <h2>Why We Like to Shop When We're Down</h2> <p>In general, people get down or irritable because they feel out of control. When you are in a sour mood, it is often related to a sense of anxiety that you do not have control over your circumstances or environment.</p> <p>And that is why retail therapy is so effective. You get a chance to have complete control over where you go, what you look for, and what you purchase. Add in the fact that most retail therapy also involves treating yourself in some way, and it's no wonder that shopping is such a common method for improving a bad mood.</p> <p>In addition, according to Kit Yarrow of Psychology Today, &quot;shopping can be a <a href="https://www.psychologytoday.com/blog/the-why-behind-the-buy/201305/why-retail-therapy-works">rich source of mental preparation</a>. As people shop, they're naturally visualizing how they'll use the products they're considering, and in doing so, they're also visualizing their new life.&quot; Part of what makes retail therapy feel so good is getting a chance to imagine how great things will be with your new wardrobe/gadget/library of books.</p> <p>If you're not a regular user of retail therapy, just keeping some money set aside for your occasional pick-me-ups should be sufficient. But if you often indulge in therapeutic shopping, then you might want to revise your shopping strategy to make sure your mood lifter doesn't get you into financial trouble.</p> <h2>Using Retail Therapy Strategically</h2> <p>Here are five different strategies for making sure your shopping habit actually helps your bottom line.</p> <h3>1. Shop for Gifts</h3> <p>While retail therapy traditionally means buying some sort of treat for yourself, it can also feel great to buy gifts for loved ones. The next time you go shopping to relieve stress after a bad day, decide to buy a present for someone on your Christmas list, no matter what time of year it is. Since you would spend the money on a gift anyway, your shopping trip will save you money in the future while still giving you the mood-boosting sense of the control you crave. Also, you can have fun visualizing how much the recipients will enjoy the gifts you are picking out.</p> <p>If you make a habit of using retail therapy to shop ahead for holiday gifts, you will save money and stress at Christmas since you won't be shopping at the height of retail season.</p> <h3>2. Keep a List of Items You Need or Want</h3> <p>Living in the digital age means that it is possible to buy something for yourself as soon as you think of it. However, we don't necessarily need that level of convenience, and you receive no psychological benefits from it.</p> <p>Instead, make a list of items that you need or want that you could get anytime. For example, there are currently two t-shirts and a DVD that I would like to own, but I am waiting to purchase any of them until a day when I need a serious cheer-up. (I liken this to keeping an emergency bar of chocolate hidden in my desk drawer. I'll wait to enjoy it until it's going to give me the biggest mood-boosting bang for my buck.)</p> <p>By limiting your retail therapy to items that you have already decided to purchase, you keep the hit on your wallet to a minimum.</p> <h3>3. Use Gift Cards</h3> <p>Retail therapy is most dangerous when you engage in it mindlessly. But it is possible to get the same psychological benefit while being a thoughtful consumer.</p> <p>For instance, purchasing a discounted gift card from a store that is your go-to retail therapy destination is a good way to feel better without spending <em>too </em>much. Get this gift card ahead of time and keep it in your wallet. On a day when you need to indulge in retail therapy, you can lock the rest of your wallet in your glove box and shop your bad mood away without hurting your budget. (See also: <a href="http://www.wisebread.com/5-ways-to-stop-your-mindless-spending?ref=seealso">5 Ways to Stop Your Mindless Spending</a>)</p> <h3>4. Become a Mystery Shopper</h3> <p>If retail therapy is a regular habit, consider making it a part-time job by becoming a mystery shopper. Generally, mystery shoppers can receive between <a href="http://www.learnvest.com/2013/02/confessions-of-a-mystery-shopper-how-i-made-14k/">$5 and $20 per shopping trip</a>, as well as reimbursement for their purchases, although there is often a limit to the purchase amount. While mystery shopping will not necessarily be as flexible as a normal session of retail therapy, once you have been hired by a company, you can select jobs when and where you want, saving your mystery shopping for the weeks you need to feel better.</p> <p>It is important to make sure you go through a reputable mystery shopping company. You will never be asked to pay to become a <a href="http://www.wisebread.com/8-truths-from-a-mystery-shopper-you-must-read-before-you-get-started">mystery shopper for a legitimate company</a>. It's also a good idea to check that the mystery shopping organization that hires you is a member of the MSPA, the official organization that regulates mystery shopping.</p> <h3>5. Indulge in Window Shopping</h3> <p>A recent study asked subjects to watch a depressing video clip, and then randomly assigned the subjects to one of <a href="http://www.dailyfinance.com/on/retail-therapy-shopping-psychological-benefitsworks/">two simulated shopping scenarios</a>. The participants whose simulated shopping experience gave them more of an opportunity to choose the products they liked were found to be happier after the experience.</p> <p>What's important about this study is the fact that the &quot;shoppers&quot; weren't actually buying anything, but they still experienced an improved mood. The authors of the study determined that it is the act of choosing between products that helps alleviate sadness, even if those choices are hypothetical.</p> <p>This means that you will feel just as cheered up by trying on clothes without buying them than you would from purchasing a new wardrobe &mdash; all without spending a penny.</p> <h2>Making Retail Therapy Truly Therapeutic</h2> <p>It's very easy to feel guilty about the things that make us feel good, whether that's the hidden chocolate bar in the desk drawer, or indulging in retail therapy after a bad day. But there is no reason to deny ourselves the psychological benefits of these alternative &quot;therapies,&quot; as long as we can find a way to do so strategically.</p> <p><em>Do you frequently partake in retail therapy? How do you keep it under control? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-ways-to-make-retail-therapy-good-for-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-stop-your-mindless-spending">5 Ways to Stop Your Mindless Spending</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-purchases-youll-never-regret">25 Purchases You&#039;ll Never Regret</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/25-bite-sized-money-resolutions-to-make-2015-your-biggest-year-yet">25 Bite-Sized Money Resolutions to Make 2015 Your Biggest Year Yet</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/7-habits-of-highly-frugal-people">7 Habits of Highly Frugal People</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/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> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping bad habits buyer's remorse healthy habits mindless spending money habits retail therapy Fri, 22 Apr 2016 10:00:04 +0000 Emily Guy Birken 1695165 at http://www.wisebread.com Get More Money for Your Stuff With These Retail Secrets http://www.wisebread.com/get-more-money-for-your-stuff-with-these-retail-secrets <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-more-money-for-your-stuff-with-these-retail-secrets" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/clothing_store_owner_000085125681.jpg" alt="Woman using retail pricing secrets to earn more" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Want to move product like a boss in the retail arena? Implement a few of these <a href="http://www.wisebread.com/these-secrets-of-amazons-pricing-strategy-will-help-you-find-the-best-buys" target="_blank">pricing secrets used by consumer giants</a> (even if you're a bit player in the online game) to see an uptick in sales.</p> <h2>Use a Colored Tag System</h2> <p>Help your customers easily discern what's full price and what's marked to move with a color-coded tagging system. Home Depot, for example, uses white tags to indicate full price items and yellow tags for clearance merchandise, says <a href="http://smatterist.com/6388/secrets-retailers-dont-want-you-to-know-about-their-price-tag-codes/">Smatterist</a>. This, of course, only works if you have physical items and buyers you can watch, but you'll definitely see what customers gravitate to if they can easily decipher what's on sale and what isn't.</p> <h2>Place Clearance and Sale Items in the Back of the &quot;Store&quot;</h2> <p>Placing clearance and other marked-to-move items in the back of the store is an industry best practice. How do I know? Because I'm conditioned (and you probably are, too) to head straight to the back of the retailer's setup to discover the can't-be-beat deals. Another reason this strategy is attractive to so many retailers is that you have to walk past all the new arrivals and full-priced items along the way &mdash; and they're hoping you'll find something you like there, too. If they put the sale stuff up front, you likely wouldn't venture past that section, and neither will your customers.</p> <h2>Offer Discounts on Damaged Goods</h2> <p>Recently I was shopping at West Elm to furnish a new home I purchased. I had a good idea of most of the items I wanted, but I also took a look around the store for items I knew I needed but hadn't yet settled on from other retailers. In the front window of the store and also in a corner on the second level were items designated as &quot;floor models&quot; that I was told were discounted heavily because they needed to make space for new-season arrivals. As such, I scored a dining table for about $500 off the original price, and two large area rugs, for 50% and 70% off, respectively.</p> <p>These items aren't without their flaws, mind you &mdash; the glass tabletop has a small scratch on it, and the rugs have been walked on by other people &mdash; but everything was still in great enough condition to overlook the minor damage considering the excellent price.</p> <p>If you have stuff that's still perfectly good, but marked by use, drop the price so it's still attractive despite whatever imperfections it may have and make those flaws a feature. If the customer feels like they're walking away with a bargain, those little dents and dings won't matter a bit.</p> <h2>Establish BOGO Deals if You Need to Move Inventory</h2> <p>If you have an abundance of inventory &mdash; maybe you came upon a surplus of items from a recent treasure hunt &mdash; consider offering a buy-one-get-one promotion to get the product out of the store and, thus, money in your pocket faster.</p> <h2>Price Your Items Higher With Room for Negotiation</h2> <p>Whenever I sell items online or at a yard sale, I price them for what I'd like to get for them &mdash; and that's typically higher than what I reasonably think people will pay for the items. And it's all very carefully planned out. I price items this way, because I know people will haggle. Considering the arrival of the eventual bargain hunter, then, I'm putting myself in a position to lower the price to one that they can handle and still walk away satisfied that the final price was one with which I can be happy.</p> <h2>Undercut the Competition</h2> <p>I run a couple businesses myself, though admittedly none of which deal with physical merchandise, but my strategy is always the same: Undercut the competition. If you have a quality product or service and your prices/fees are below the competition, the customers will come. Just don't slash your prices so low that you don't make any money. That's the best way to go bankrupt, which is definitely not this strategy's endgame.</p> <h2>Earn a Little More From Shipping and Other &quot;Fees&quot;</h2> <p>If you're an avid online seller &mdash; eBay, for instance &mdash; you already know that shipping fees can add a few extra bucks to your bottom line with each transaction. All of us have become accustomed to paying these fees when shopping online, so there's not much danger in turning the customer off &mdash; especially if you're a small, mom-and-pop-type retailer. But you want to make sure these fees are proportionate to the product and remain affordable. What I mean by that is if you're selling clothing, you can't charge $20 for shipping like you could an item with more weight, like sports equipment. Just be insightful enough to keep the fees acceptable so there's no red flag from the customer's side and you'll walk away a winner.</p> <p><em>What tricks do you use to help move your stuff faster?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/get-more-money-for-your-stuff-with-these-retail-secrets">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/11-retailers-where-you-can-negotiate-a-lower-price">11 Retailers Where You Can Negotiate a Lower Price</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-should-always-buy-and-sell-on-ebay">10 Things You Should Always Buy and Sell on eBay</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/ask-these-8-questions-to-get-a-better-price">Ask These 8 Questions to Get a Better Price</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/7-secrets-to-scoring-the-best-price-when-buying-on-ebay">7 Secrets to Scoring the Best Price When Buying on eBay</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/10-tricks-you-should-learn-from-great-hagglers">10 Tricks You Should Learn From Great Hagglers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Shopping eBay negotiating pricing secrets retail sales strategies selling Fri, 22 Apr 2016 09:00:04 +0000 Mikey Rox 1691582 at http://www.wisebread.com 4 Reasons You Should Splurge on Experiences, Not Things http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-reasons-you-should-splurge-on-experiences-not-things" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000078212251_Large.jpg" alt="spending money on an experience" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The 1980s might feel like ancient history, but whether or not you lived through the days of big hair, denim, and constantly winding your cassette tapes back with a ballpoint pen, the 1980s staple of excess was pretty much universal. And has been ever since. Accumulating stuff has never been hotter. Think <a href="http://www.amazon.com/gp/product/B003F29D44/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003F29D44&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=EI2KTCZ32FOCDE3F">Wall Street</a>, and Gordon Gekko's motto, &quot;Greed is good.&quot;</p> <p>Excessive consumption seemed cool in the '80s, but so did mullet haircuts and shoulder pads. Like the mullet, this relentless consumerism should be consigned to history. Because we have evolved, and we now have a better understanding of what makes us happy, and why. (See also: <a href="http://www.wisebread.com/5-ways-to-stop-your-mindless-spending?ref=seealso">5 Ways to Stop Your Mindless Spending</a>)</p> <p>Don't chase stuff, chase experience. It'll make you happier. Here are four reasons why.</p> <h2>Money Doesn't Make You Happy</h2> <p>Song writers have long known that money can't buy you love, and also, that the best things in life are free. And while it's true that there are some ways in which money can&nbsp;<a href="http://www.wisebread.com/9-ways-money-does-buy-happiness">positively influence our outlook</a> and prospects, this only works up to a certain point.</p> <p>The <a href="http://www-bcf.usc.edu/~easterl/papers/Happiness.pdf">Easterlin Paradox</a> is the classic research into the topic, named after a 1974 book chapter, penned by economist Richard Easterlin. Although the 40 years since then has provided plenty of time for other research to debate the merits of this theory, Easterlin surmised that money makes you happy only to a certain extent. Once basic needs are met, the impact of money on happiness diminishes, and ultimately, an excess of cash can cause stress, too.</p> <p>Views on this idea will vary based on personal experience, and some subsequent research has heartily <a href="http://www.pewglobal.org/2014/10/30/people-in-emerging-markets-catch-up-to-advanced-economies-in-life-satisfaction/">agreed with the original premise</a>, while other researchers have set out to disprove the hypothesis. A 2010 research paper found that <a href="http://www.pnas.org/content/107/38/16489.abstract">$75k is the magic number</a>, after which, income does not directly correlate with happiness. Although we are schooled to equate material things with reaching success, these same items do not lead to emotional wellbeing. All the more reason to use any spare cash to buy experiences, not things.</p> <h2>Stuff Loses Its Appeal &mdash; Memories Do Not</h2> <p>In a 2014 journal article, wonderfully named, &quot;<a href="http://static1.squarespace.com/static/5394dfa6e4b0d7fc44700a04/t/547d571fe4b094d782c0e634/1417500738967/Gilovich+Kumar+%28in+press%29+Always+Have+Paris+Advances.pdf">We'll always have Paris</a>,&quot; psychologists Thomas Gilovich and Amit Kumar explore the longer term impact on happiness from experiences compared to material purchases. Their research found firmly in favor of spending money on experience rather than things.</p> <p>The scientific key to their research is &quot;hedonic adaptation,&quot; meaning that we get used to things we have, and therefore the pleasure we associate with them fades away. If you buy a new tech gadget, for example, you might experience some initial high, but this can be eaten away as the product degrades, as your friends parade their newer versions, and as warranties or repairs add onto the initial cost. After a relatively short time, you're used to having your new toy. The novelty has worn off, and you no longer derive pleasure from it. Hedonic adaptation has set in.</p> <p>On the other hand, that skydive, dream vacation, or meal out with friends lives forever in your memory &mdash; often getting better over time, rather than worse, aided by our natural inclination to remember things fondly with rose-tinted flashbacks.</p> <h2>Experience Is Social</h2> <p>A strong argument in favor of spending money on experiences rather than things is not about the experiences at all. It's about the people we share them with.</p> <p>Experiences are often naturally social events, and they strengthen the bonds with others who make us happy. Also, experiences are better shared than the act of buying stuff. The tales that you share over the dinner table with friends in years to come are much more likely to be about the time Uncle John got sunburnt on vacation, rather than the awesome SUV you drove there in.</p> <h2>Material Success Can Be Transient</h2> <p>Even the very oldest of Millennials joined the workforce only a few years before the Great Recession rocked the world, and for those graduating after, life has been even tougher. It's hardly surprising that Millennials are driving the sharing/gig economy more than any other generation. Research shows that they will value <a href="http://www.goldmansachs.com/our-thinking/pages/millennials/">access to, not ownership</a> of material things, shifting the emphasis away from actual consumption.</p> <p>Growing environmental awareness has its part to play in this shift, but having experienced the struggle of recession firsthand, Millennials are also conscious of the fact that material goods are transient and could be taken from you in an instant. Memories, on the other hand, can not be taken away &mdash; making spending on experiences, rather than things, the natural choice for this generation.</p> <p><em>What do you think? Tell us in the comments.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things">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-money-lessons-i-learned-from-thrift-shopping">7 Money Lessons I Learned From Thrift-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/50-great-things-to-do-with-50">50 Great Things to Do With $50</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-get-your-toiletries-for-cheap-or-even-free">6 Ways to Get your Toiletries for Cheap or Even Free!</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/why-is-gasoline-so-cheap-a-cost-comparison-of-40-common-household-liquids">Why is Gasoline So Cheap? A Cost Comparison of 40 Common Household Liquids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Shopping events experiences memories special occasions Splurge Thu, 21 Apr 2016 10:01:03 +0000 Claire Millard 1694626 at http://www.wisebread.com 4 Ways to Spot and Avoid a Fake Sale http://www.wisebread.com/4-ways-to-spot-and-avoid-a-fake-sale <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-to-spot-and-avoid-a-fake-sale" 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_clothes_000084963291.jpg" alt="Woman learning how to spot a fake sale and keep more money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Retailers these days have gotten very good at tricking you into thinking you're getting a great deal, even when you aren't. Whether it's through words they use to <a href="http://www.wisebread.com/5-ways-to-stop-your-mindless-spending" target="_blank">trick your brain</a> into thinking an item is a screaming deal, or the promotional techniques they employ to get you to open your wallets, it's important to be on the lookout. Here are some of the most used techniques along with some ways to fight back.</p> <h2>1. Words, Words, Everywhere Words</h2> <p>As consumers, it's important to realize that retailers hire psychologists to choose the words they place on signs in their stores. It could be as simple as &quot;Limited Time Offer&quot; or &quot;Expiring Soon&quot; to the more subtle &quot;New Low Price.&quot; All of these words and phrases are chosen to trick your brain into opening your wallet. In many cases, the price of a &quot;Limited Time Offer&quot; is the same price the item has been for months, and the &quot;New Low Price&quot; is simply the introductory price of a product.</p> <p>To avoid this trick, totally ignore the words you see in stores and instead let the numbers tell the story. By numbers, I mean the actual price of the item. If it's a store you shop at regularly, you'll probably be able to easily tell if the price is actually a sale price. But for the majority of us, we have no idea if the price is a good deal. Use a smartphone app like&nbsp;<a href="http://shopsavvy.com/">ShopSavvy</a> to quickly scan the item's barcode and check the price at online stores as well as brick and mortar stores in your local area. By doing a quick price check, you let the facts steer your buying decision and not the words retailers use to separate you from your hard-earned money.</p> <h2>2. Avoid &quot;Open the Wallet&quot; Pricing</h2> <p>The next time you walk into a big-box retailer, take a second to notice the elaborate displays found near the front of the store. Often the products are highly-discounted and very appealing to the eye and tend to draw shoppers in. These displays are perfect examples of &quot;Open the Wallet&quot; pricing, which is a trick to get shoppers excited about saving money in the hopes they buy a bunch stuff they don't need and had no intention of buying in the first place. After all, since you saved a bunch of money on these strategically priced items, you now have more money to spend on other stuff, right? Wrong.</p> <p>Walmart, Target, Old Navy, and Macy's are a few of the retailers famous for employing this strategy. By being aware of what stores are trying to do, you can shop with blinders on and walk past these &quot;Open the Wallet&quot; displays and stay focused on the reason you walked into the store in the first place.</p> <h2>3. When a Coupon Won't Save You Money</h2> <p>Often retailers will raise the price of their products to full-retail right before releasing a coupon to the general public. This trick essentially makes the coupon worthless. For example, a storewide sale they had last weekend will often give you the same savings as using the coupon when prices are high. Eddie Bauer, Ann Taylor, Gap, American Eagle, and Lands' End are a few of the more popular retailers known to employ this trick. The one thing to avoid is failing to use a coupon when prices are at regular-price, as you'll end up spending way more than you should.</p> <p>Another aspect of this trick is &quot;High-Low&quot; pricing, which is when retailers have relatively high everyday prices, then regularly lower their prices via coupons and sales events. In actuality, they know they'll sell very little at full-retail, and at the same time, they give consumers the perception that they're scoring a great deal by issuing coupons and limited time discounts. So in essence, the sale price becomes the everyday price and shoppers need to keep this in mind when price comparing. JCPenney, Bed Bath &amp; Beyond, and Kohl's are some of the stores who use this trick to make you think you're saving money.</p> <h2>4. Be Aware of Decoy Pricing Schemes</h2> <p>Have you ever shopped for running shoes and noticed the uber expensive models that stores often place in the front displays? I'm talking about running shoes in the $125 to $175 range. This is not by accident, as these expensive models make the more reasonably-priced athletic shoes look like a real bargain. This is known as &quot;decoy pricing&quot; and is also done at jewelry stores, with Apple products on display in the Apple Store, and HDTVs at Best Buy.</p> <p>For example, the $3,000 4K HDTV in the front display at Best Buy makes the $750 no-frills, but still high-quality, Samsung model look like a steal. In actuality, Best Buy knows they won't sell many of the $3,000 models, and they're cool with it because it makes all the other models look like a better deal. After all, the more reasonably-priced models are their bread-and-butter and what they depend on selling in droves to stay profitable. By knowing what retailers are trying to do, you can focus solely on the products in your price range and find the best value that fits your budget. In other words, ignore the bright and shiny objects that you can't afford and focus only on what you can.</p> <p><em>How do you avoid falling for the tricks stores use to separate you from your money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/4-ways-to-spot-and-avoid-a-fake-sale">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/6-ways-to-score-a-last-minute-coupon">6 Ways to Score a Last-Minute Coupon</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/6-things-you-should-always-buy-at-department-stores">6 Things You Should Always Buy at Department Stores</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/5-times-coupons-trick-you-into-spending-more-money">5 Times Coupons Trick You Into Spending More Money</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/4-coupon-rules-that-stores-let-you-break">4 Coupon Rules That Stores Let You Break</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping bad deals coupons decoy pricing discounts fake sales retail tricks Thu, 21 Apr 2016 09:30:28 +0000 Kyle James 1691581 at http://www.wisebread.com The 5 Best Extra Virgin Olive Oils http://www.wisebread.com/the-5-best-extra-virgin-olive-oils <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-extra-virgin-olive-oils" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/olive_oil_000059796240.jpg" alt="Buying the best olive oils for cooking" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There is nothing quite like extra virgin olive oil. Whether you like to cook with it or simply use it for dipping or drizzling over pasta dishes, you want the best. Extra virgin olive oil is packed with natural vitamins, minerals, and antioxidants, and can improve heart health and overall health, while reducing the risk of certain types of cancer.&nbsp;</p> <h2>What Is Extra Virgin Olive Oil?</h2> <p>Extra virgin olive oil (or EVOO) is the highest-grade olive oil available. It is unrefined and produced without the use of solvents or chemicals. It is made simply by cold-pressing olives and extracting the juice. It should be full-bodied, with the aroma and fresh flavor of olives. Unfortunately, not all EVOOs are created equal, so while some claim to be extra virgin, they are in fact just regular olive oil. That&rsquo;s why we&rsquo;ve found the five best extra virgin olive oils available.</p> <h2>Top 5 Extra Virgin Olive Oils</h2> <h3>California Olive Ranch Everyday Extra Virgin Olive Oil</h3> <p><a href="http://www.amazon.com/gp/product/B004ULUVU4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004ULUVU4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=6X56QD2SOZKEFHRN"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cali%20olive.jpg" width="79" height="245" align="right" alt="" /></a>You won&rsquo;t find a more beloved olive oil than the award-winning <a href="http://www.amazon.com/gp/product/B004ULUVU4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004ULUVU4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=6X56QD2SOZKEFHRN">California Olive Ranch Everyday Extra Virgin Olive Oil</a>. It has a sweet nuttiness, with the flavor and aroma of California grown green olives. The olives are cold-pressed within hours of picking for a fresh, fruity flavor with a complex finish. It is described as buttery and fruity, with a bright, smooth flavor. The unrefined oil comes in a sturdy dark glass bottle, which keeps the olive oil fresher for longer. It is versatile enough to work with any ingredients, without overwhelming them.</p> <p>In a study conducted by UC Davis, they claimed this olive oil is the real deal. In fact, it scored top marks for freshness and quality across the board. Good Housekeeping selected this as one of the best olive oils available, calling it light and mellow in flavor. Real Simple selected it as the best oil for cooking. It is also recommended by Cook&rsquo;s Illustrated and The Kitchn. While it is a top-ranked oil that can stand up to some of the most expensive high-end EVOO brands, it is still a supermarket staple that you can pick up any time.</p> <p><a href="http://www.amazon.com/gp/product/B004ULUVU4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004ULUVU4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=6X56QD2SOZKEFHRN"><em>Currently $17.70 on Amazon</em></a></p> <h3>Partanna Extra Virgin Olive Oil</h3> <p><a href="http://www.amazon.com/gp/product/B000YQ2FG2/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000YQ2FG2&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=WANCRA6OVOSA2AOA"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/partanna.jpg" width="145" height="245" align="right" alt="" /></a>With a rich flavor and herbaceous aroma, <a href="http://www.amazon.com/gp/product/B000YQ2FG2/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000YQ2FG2&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=WANCRA6OVOSA2AOA">Partanna Extra Virgin Olive Oil</a> is best for dressings, finishing dishes, and drizzling. The cold-pressed oil is grown and packaged in Partanna, Sicily only in October (early harvest). It has been produced by the Asaro family since 1916 and has maintained the same high standards since. The unfiltered oil comes in a large colorful tin, which also helps keep the olive oil fresher for longer. At first, the unfiltered oil appears cloudy and green, but over time, it will slightly mellow and become clearer. It has very low acidity and can complement nearly any food.</p> <p>This beloved EVOO was the winner of three Gold Medals and one Best of Class at the L.A. County Fair and NYIOOC. Real Simple selected it as the best oil for drizzling, and it is also the common choice among celebrity chefs.</p> <p><a href="http://www.amazon.com/gp/product/B000YQ2FG2/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000YQ2FG2&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=WANCRA6OVOSA2AOA"><em>Currently $34.70 on Amazon</em></a></p> <h3>Zoe Extra Virgin Olive Oil</h3> <p><a href="http://www.amazon.com/gp/product/B00IFI6GCA/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00IFI6GCA&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GVGV3GWE54GSAFLQ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/zoe.jpg" width="126" height="245" align="right" alt="" />Zoe Extra Virgin Olive Oil</a> has a rich green color, fresh fruit aroma, and distinctive flavor. Exclusively from Castilla-La Mancha, Spain, it is first cold pressed from the Cornicabra olive groves. It is then blended with other Spanish olive varieties, such as the Picual and Hojiblanca olive, for a more balanced flavor with notes of pepper and fresh basil. The buttery oil comes in a beautiful, colorful tin, which also helps keep the olive oil fresher for longer. The unique flavor can complement nearly any foods.</p> <p>This is Amazon&rsquo;s #1 best seller in olive oils. It was also awarded &ldquo;Best Choice&rdquo; and &ldquo;Fruitiest Oil&rdquo; by The New York Times after a national taste test. It was also awarded the North American Olive Oil Association (NAOOA) certified quality seal, which certifies that it meets the highest international olive oil standards. It is also the preferred choice among some of the top chefs in the nation.</p> <p><a href="http://www.amazon.com/gp/product/B00IFI6GCA/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00IFI6GCA&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GVGV3GWE54GSAFLQ"><em>Currently $11.99 on Amazon</em></a></p> <h3>Colavita Extra Virgin Olive Oil</h3> <p><a href="http://www.amazon.com/gp/product/B001ELLB16/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B001ELLB16&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4NJMHD3IFIBPH6M4" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/colavita.jpg" width="135" height="245" align="right" alt="" />Colavita Extra Virgin Olive Oil</a> has been made by the Colavita family since 1912. It is harvested from the best olives in Europe. The Italian oil has a floral scent and full-bodied flavor, with fruity notes. Some reviewers also detected a spicy, bitter note and mild peppery finish. The everyday oil has a delicate flavor that is perfect for all of your cooking needs and can complement any meal without overpowering the flavors. It is also ideal for baking, drizzling, and marinades. The cold-pressed oil comes in two 34-oz tins, which also helps keep the olive oil fresher for longer.</p> <p>Colavita is the fourth-largest selling brand in the country. It received high ratings from The New York Times thanks to its subtle olive flavor. It is also a two-time winner of the &quot;Best Everyday Cooking Oil&quot; in Men's Health Magazine's Annual Nutrition Awards.</p> <p><a href="http://www.amazon.com/gp/product/B001ELLB16/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B001ELLB16&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4NJMHD3IFIBPH6M4"><em>Currently $36.47 on Amazon</em></a></p> <h3>Lucini Extra Virgin Olive Oil</h3> <p><a href="http://www.amazon.com/gp/product/B008410UFW/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B008410UFW&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=5RA4UVTAPGGGJFT7" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/lucini.jpg" width="69" height="245" align="right" alt="" />Lucini Extra Virgin Olive Oil</a> has a light herbal flavor and aroma, with fruity notes. Originating from central Italy from the finest olive trees that date back over 100 years, you can expect the very best quality olive oil with less than 1/2 the acidity of other extra virgin olive oils. They handpick the olives at just the right time and press them within 24 hours of harvest. This results in a buttery EVOO with a rich, bright flavor and peppery aftertaste. The authentic flavor is perfect for enhancing any dish or method of cooking, as well as for dipping or drizzling.</p> <p>The award-winning Italian olive oil is recommended by Cook&rsquo;s Illustrated and has a dedicated following. It has been shown in studies to stand up to the strict standards for extra virgin olive oil.</p> <p><a href="http://www.amazon.com/gp/product/B008410UFW/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B008410UFW&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=5RA4UVTAPGGGJFT7"><em>Currently $28.99 on Amazon</em></a></p> <p>And those are our recommendations for the best extra virgin olive oil. 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-extra-virgin-olive-oils">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-cutting-boards-0">The 5 Best Cutting Boards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-sort-of-small-kitchen-gadgets-that-equal-big-savings">4 Sort-of Small Kitchen Gadgets that Equal Big Savings!</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-easy-ways-to-stretch-your-grocery-dollars">20 Easy Ways to Stretch Your Grocery Dollars</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-measuring-cups">The 5 Best Measuring Cups</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Shopping cooking oil extra virgin olive oil Food kitchen olive oil olive oils product reviews Wed, 20 Apr 2016 09:00:05 +0000 Andrea Cannon 1691719 at http://www.wisebread.com Best Money Tips: How to Shop at Costco Without a Membership http://www.wisebread.com/best-money-tips-how-to-shop-at-costco-without-a-membership <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-shop-at-costco-without-a-membership" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shopping_costco_000039481274.jpg" alt="Learning how to shop at Costco without a membership" 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 helpful articles on ways to shop at Costco without a membership, a step-by-step guide to turn your ideas into money, and ways to save money on a road trip.</p> <h2>Top 5 Articles</h2> <p><a href="http://moneypantry.com/shop-costco-without-membership/">10 Clever Ways to Shop at Costco without a Membership</a> &mdash; You can use a Costco Cash Card to shop in person or online even if you're not a member. These cards can be found on eBay and on other sites that sell discounted gift cards, or you can ask a friend who has a membership to buy one for you. [Money Pantry]</p> <p><a href="http://www.moneytalksnews.com/7-steps-make-millions-with-your-bright-idea/">7 Steps to Turn Your Ideas and Inventions Into Money</a> &mdash; Your great idea may lead you to riches &mdash; if you take these steps. [Money Talks News]</p> <p><a href="http://shopperstrategy.com/2016/04/14/6-tips-for-saving-money-on-a-road-trip/">6 Tips for Saving Money on a Road Trip</a> &mdash; You can save some money on tolls by getting off the main highway. The trip along the scenic route may take longer but it'll be more memorable. [Shopper Strategy]</p> <p><a href="http://www.popsugar.com/smart-living/Ways-Read-Books-Quickly-40912115#photo-40912115">4 Hacks to Help You Read Every Book on Your Reading Challenge This Year</a> &mdash; Keep a digital copy of the book on your phone so you can get some reading in when you have some spare time, wherever you are. [PopSugar Smart Living]</p> <p><a href="http://www.csmonitor.com/Business/The-Bite/2016/0412/Is-antibiotic-use-for-livestock-losing-its-cache">Is antibiotic use for livestock losing its cache?</a> &mdash; According to the CDC, antibiotic-resistant bacteria infect at least 2 million Americans each year. At least 23,000 die from those infections. [The Monitor]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.vanessaalvarado.com/2016/04/6-simple-changes-for-improved-health.html">6 Simple Changes For Improved Health and Energy This Spring - for the Lazy Entrepreneur</a> &mdash; Pack your lunch in a bento box. These containers are small and portable, and they're great for portion control. [Vanessa Alvarado]</p> <p><a href="http://www.shebudgets.com/personal-finance/personal-finances-moves-every-adult-needs-to-make/67449">If You Do Anything Right in Personal Finance, At Least Do These Three Things</a> &mdash; If you don't have an emergency fund, set aside $1,000 for it right now. Don't touch it except to add money to the fund whenever you're paid. [SheBudgets]</p> <p><a href="http://www.thesimpledollar.com/how-establishing-a-more-joyful-daily-routine-can-save-you-money-and-make-life-better/">How Establishing a More Joyful Daily Routine Can Save You Money and Make Life Better</a> &mdash; Work small habits into your daily routine that will gently lift your mood every day. [The Simple Dollar]</p> <p><a href="http://bargainbriana.com/12-kitchen-items-you-need/">12 Kitchen Items you Need</a> &mdash; A well-functioning kitchen would have a set of stackable mixing bowls, a strainer, a good set of kitchen scissors, and few other kitchen must-haves. [Bargain Briana]</p> <p><a href="http://parentingsquad.com/4-awesome-and-age-appropriate-books-for-preteens">4 Awesome and Age-Appropriate Books for Preteens</a> &mdash; Some of the popular books aimed at preteens can be quite racy or violent, and you might not be comfortable with your kids reading that kind of material. Try these alternatives that will captivate your young reader and will teach them valuable lessons. [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-how-to-shop-at-costco-without-a-membership">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/15-things-you-should-buy-at-costco">15 Things You Should Buy at Costco</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/7-things-non-members-can-get-at-costco-including-cheap-eye-exams">7 Things Non-Members Can Get at Costco (Including Cheap Eye Exams!)</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/these-6-costco-items-will-easily-cover-your-55-membership">These 6 Costco Items Will Easily Cover Your $55 Membership</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/trader-joes-vs-costco-whats-a-better-place-to-shop">Trader Joes vs. Costco: What&#039;s a Better Place to Shop?</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/5-frugal-rules-you-must-follow-when-shopping-at-costco">5 Frugal Rules You Must Follow When Shopping at Costco</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best money tips costco Mon, 18 Apr 2016 10:00:09 +0000 Amy Lu 1691403 at http://www.wisebread.com 8 Ways You're Being a Terrible Customer http://www.wisebread.com/8-ways-youre-being-a-terrible-customer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-youre-being-a-terrible-customer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000030046612_Large.jpg" alt="he&#039;s being a terrible customer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all know the old saying &mdash; the customer is always right. Except, that's totally wrong. The customer is <em>not </em>always right. And if you firmly believe that you, as the customer, are always right &mdash; no matter the circumstances &mdash; then you're probably a terrible customer. Here are nine scenarios in which you're a customer service rep's worst nightmare, and how to be better. (See also: <a href="http://www.wisebread.com/10-ways-to-be-the-perfect-customer?ref=seealso">10 Ways to Be the Perfect Customer</a>)</p> <h2>1. You Think the Customer Is Always Right</h2> <p>Let's begin where all customer relations issues are born: with the customer thinking they're always right. We've all heard someone in a retail shop drop this line during a heated discussion with an associate, and we might have even said it ourselves at some point. While I contend that the customer is sometimes right, &quot;always&quot; is a misnomer, and we rely on it too heavily &mdash; even when we know we're wrong.</p> <p>The problem with that mentality is that it inherently implies you're owed something, and in most cases you're not. Especially if you're ranting and raving like a lunatic. Instead, consider the circumstance thoughtfully and think about how it can be resolved without pointing fingers or making demands. I think you'll find that most of the time &quot;blame&quot; doesn't have to be assigned, so long as the situation can find a peaceful and amicable resolution.</p> <h2>2. You're Making Frequent Returns</h2> <p>Not only is making frequent returns ethically, morally, and sometimes legally wrong, it's also incredibly annoying. Sure, every once in awhile you might need to return an item because it's ill-fitting or maybe damaged, but if you're in the same store over and over again to get your money back for purchases that you decide you don't want anymore &mdash; for whatever reason, like you already wore it and you don't have any use for it again, or you couldn't afford it in the first place &mdash; you deserve to get the side-eye. It also affects the retailer's bottom line, which can hit smaller businesses particularly hard.</p> <p>AJ Saleem, a business owner for five years, says frequent returns are one of his biggest peeves.</p> <p>&quot;While I may not say anything, when I receive several notifications of returns from the same person, I often get frustrated,&quot; he says. &quot;Each return costs me a large portion of my profit margin, and when I do not receive any money in return, I have no choice but to write it as a loss. This forces me to raise prices.&quot;</p> <h2>3. You Try to Blame Everything on the Retailer</h2> <p>If a retailer sells you a faulty product and refuses to replace it or refund your money, you have grounds to pursue the issue until you're satisfied with your purchase, or you get your money back. On the other hand, however, there are dozens of other variables that go into your purchase that you need to consider before you start jumping down people's throats, some of which may be your own fault.</p> <p>Devorah Neiger is an owner of an online medical supply retailer, and she has some experience with customers who point fingers without considering their own part in the transaction.</p> <p>&quot;We have countless customers who order the wrong item, don't contact us for a return for months or who don't need the item anymore, and concoct a story about how it's our error to get out of paying for it,&quot; she explains. &quot;This even happens with customers who order directly from our site and never spoke to a rep. Customers should take ownership of their mistakes.&quot;</p> <p>You can't expect the retailer to eat the cost of your laziness, or error in ordering, or lack of need for the item. You also have to recognize that there are return policies in place, and if you file a complaint or try to return an item outside of that window, you might be SOL.</p> <h2>4. You're Flat-Out Lying to Get What You Want &mdash; Like a Refund</h2> <p>I can almost guarantee you that the highest instances of customers lying to get what they want &mdash; especially a refund &mdash; derive from issues with tech products, like mobile phones and the like. You dropped the phone in the toilet when you were two bottles of wine to the wind, you put it in a jar of rice for three days because the Internet told you to, and now you want a new device because your futile attempts to save it failed. Except when the associate asks you what happened, you tell them that it just spontaneously stopped working &mdash; they must have sold you a dud, right? And you deserve a new phone.</p> <p>Mmhmm, I've got your number, but hold it right there. Own whatever mistake you made that damaged or destroyed your product and purchase a new one if that's what it comes down to.</p> <h2>5. Your Standards Are Too High</h2> <p>For some customers, the retailer can't do enough to please them. That's a really poor outlook to have, and if this is how you roll, you're going to be disappointed, like, 90% of the time. You also want to consider that the people behind the counter are people too. Sure, they're working, but keep in mind that they're not specifically working for you. Nobody's a slave to anyone else, so don't treat anybody like they are.</p> <h2>6. You're Downright Rude</h2> <p>&quot;You get more bees with honey,&quot; is what they say, so why is your face screaming vinegar? Here's another one for you: Do unto others as you want them to do unto you, unless you want to be escorted out by security.</p> <p>&quot;We have customers who will call and be extremely rude and condescending to our reps, and we have told our employees that they do not need to put up with that behavior,&quot; Neiger says. &quot;In the same way we demand of ourselves and our team to treat everyone with utmost respect and understanding, no one deserves to be treated that way. Just because we service our customers, does not mean we will allow employees to take abuse. They matter, too, and we will not allow them to be a punching bag for someone's bad day.&quot;</p> <p>Also, you should probably get off your cell phone when you're interacting or speaking with an associate. Your mother taught you better than that.</p> <h2>7. You Look for Faults Instead of Promoting the Positive</h2> <p>I'm convinced that Yelp and other review sites were created specifically for the type of people who never have anything nice to say. While I believe that companies should be taken to task for doing a customer wrong, it's not the end of the world if they make a mistake that they fix. On the flip side, when an employee or the company itself goes out of their way to satisfy you as a customer, it's important to let people know that their customer service game is strong. I see this all the time with restaurants in particular. People want to complain when the food or ambiance missed the mark (in their opinion), but they don't have time to talk about how great something is.</p> <p>A fair and balanced approach to reviewing is necessary, with a focus on the positive.</p> <h2>8. You're Data Mining Associates &mdash; Then Spending Your Money Elsewhere</h2> <p>It's not fair to a retailer &mdash; no matter how &quot;giant&quot; you think they are &mdash; to data mine the associate for product intel or advice and then buy the item elsewhere. This sort of thing is happening more and more. You go into Best Buy and chat up the associate for 30 minutes about TVs, then go home to buy the one you want on Amazon. There's nothing wrong with doing your research, of course, just don't be lazy. Do it yourself instead of taking up the retailer's time by having them do it for you, without any kind of payoff.</p> <p>&quot;When customers go back and forth with us for hours and days to try and find the right product, and once we advise on the correct product, they promptly buy it elsewhere,&quot; Neiger reveals. &quot;Obviously, customers don't owe us to purchase from our store. However, many customers take up a lot of our time without ever having any intention to buy or who take the information to buy elsewhere. We are very competitively priced and have a price match guarantee, so it's not about price. We aim to help customers with our vast knowledge and personal customer service, but many customers take advantage of this.&quot;</p> <p><em>What are some other ways people are terrible customers? I'd love to hear what you have to say about this in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-ways-youre-being-a-terrible-customer">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/10-ways-to-be-the-perfect-customer">10 Ways to Be the Perfect Customer</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/7-retailers-with-the-absolute-best-customer-service">7 Retailers With the Absolute Best Customer Service</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-be-the-best-customer">How to be the best customer</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/ordering-online-versus-calling-it-in-which-is-better">Ordering Online Versus Calling it In: Which is Better?</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-effectively-complain-to-the-manager">How to Effectively Complain to the Manager</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping customer customer etiquette customer service etiquette service industry shopping etiquette Thu, 14 Apr 2016 10:31:09 +0000 Mikey Rox 1689970 at http://www.wisebread.com 9 Smart Sources for Wedding Essentials http://www.wisebread.com/9-smart-sources-for-wedding-essentials <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-smart-sources-for-wedding-essentials" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000089382683_Large.jpg" alt="they found cheap wedding buys in unexpected places" title="" class="imagecache imagecache-250w" width="250" height="126" /></a> </div> </div> </div> <p>Getting married in the near future? Chances are that your planning is already in high gear. According to a recent CNN report, the average couple spends&nbsp;<a href="http://money.cnn.com/2015/03/12/pf/planning-for-wedding-costs/">around a jaw-dropping $30,000</a> on the big day. That's a lot of cash. Save yourself some money by looking for decor and other must-have items in these unexpected places.</p> <h2>1. Dollar Store</h2> <p>You'll find a bunch of treasures on the cheap at your local dollar store. Many carry everything from votive candles to favor boxes at just a dollar a pop (or package). The Dollar Tree, for example, even stocks wedding-specific items like plastic champagne flutes, silver-toned frames (great for labeling tables!), mini bubble containers, fabric rose petals, centerpiece vases, and more.</p> <h2>2. Thrift Store</h2> <p>If you're supplying your own table settings, try something different by heading to your local thrift shop. I love this&nbsp;<a href="http://www.fyeahgayweddings.com/diy-painted-wedding-cutlery.html">DIY painted wedding cutlery</a> project. You just need to collect a good number of forks, knives, and spoons in a variety of styles. They'll mix and match beautifully and may cost mere pennies each. Clean them up, spritz on some metal primer, paint with gloss enamel, and let dry.</p> <h2>3. Pet Store</h2> <p>Decorative glass stones too pricey? Head to your pet supply store and check out the aquarium section for&nbsp;<a href="http://amzn.to/1SlM0s2">similar stones</a> on the cheap. You may even want to pick up a few&nbsp;<a href="http://amzn.to/1WjsZg7">basic fish bowls</a> to use for your centerpieces.</p> <h2>4. Roadside</h2> <p>Or maybe you're looking for that unique personal accent to find its way to you. Check around to see when your town's spring cleanup weekend is and browse while you drive around. We've come across wooden pallets this way &mdash; which are good for a number of decor projects, like this&nbsp;<a href="https://cdn1.blovcdn.com/bloglovin/aHR0cCUzQSUyRiUyRnd3dy4xMDBsYXllcmNha2UuY29tJTJGYmxvZyUyRndwLWNvbnRlbnQlMkZ1cGxvYWRzJTJGMjAxNSUyRjA0JTJGQ29sb3JmdWwtUnVzdGljLUJhcm4tV2VkZGluZy0xNS5qcGc=?checksum=46a140047ea7c6ca672c064fb6d5a4976d2ec9d1&amp;format=j">clever schedule sign</a>. Who knows what treasures you'll stumble upon! I recently spied a worn wooden bench waiting for trash pickup on a neighbor's lawn. With a little paint, it would have made a nice photo prop for the big day.</p> <h2>5. Your Attic</h2> <p>We've all heard the whole &quot;something old, something new, something borrowed, something blue&quot; superstition. What better place to find sentimental items (for free) than in your parents' or grandparents' attic? Get permission to go hunting around, of course. You may discover anything from funky chairs to set up at the head table, to old beloved jewelry that would look amazing with your wedding dress. And you thought all that old junk was only good collecting dust.</p> <h2>6. Nature</h2> <p>Step outdoors to get some nature-inspired decor for your wedding &mdash; for free. One of my friends had a small wedding and picked a bunch of wildflowers the morning of on her family's farm. They made colorfully frugal centerpieces. Another friend chose to do a sand unity ceremony using sand from her favorite beach that she had collected on a recent vacation. Gather pine cones to dress up your rustic tablescape or even freshly fallen leaves for a festive fall garland.</p> <h2>7. Grocery Store</h2> <p>Or forget flowers entirely! You can pick up some super cool centerpiece items in the produce section of your neighborhood grocery store. Arrange&nbsp;<a href="http://www.angelaproffitt.com/weddings/gallery/fall#22">citrus fruits in tall vases</a>, fill with water, and top with a floating tea candle for a no-fuss arrangement. Or scoop out&nbsp;<a href="http://littlegreennotebook.com/2015/10/fall-dinner-party.html/">the tops of apples</a> for crunchy decor your guests won't soon forget. A&nbsp;<a href="http://www.spoonforkbacon.com/2013/10/rosemary-sprig-place-cards/">sprig of rosemary</a> makes a wonderful addition to place cards as well.</p> <h2>8. Home Improvement Store</h2> <p>Stores like Home Depot stock&nbsp;<a href="http://www.homedepot.com/b/Outdoors-Garden-Center-Arbors-Trellises/N-5yc1vZc6nx/Ntk-Extended/Ntt-arbor?Ntx=mode+matchpartialmax&amp;NCNI-5">arbors</a> that would make the perfect backdrop while reciting your vows &mdash; and later transition to your garden. They also carry a number of supplies for DIY projects, like spray paint, staples, galvanized planters (centerpieces), etc. One of my favorite finds? The canvas paint drop cloths! They make awesomely inexpensive tablecloths that are neutral enough to go with many shades of wedding decor.</p> <h2>9. Craigslist, eBay, etc.</h2> <p>Few people know this, but I actually bought my wedding dress (new with tags) on eBay from a woman who had changed her dream dress at the last minute. It was hundreds under the price I had seen at the store only a week or so earlier.</p> <p>Before I logged onto eBay, I had combed Craigslist and found a variety of dresses I seriously considered. You end up getting it altered anyway, right? Stalk your local yard sale groups and other sales forums to find all sorts of deals on last-minute wedding supplies. If you have a specific need, try writing an &quot;ISO&quot; (in search of) posting for faster results. (See also: <a href="http://www.wisebread.com/7-smart-ways-to-save-on-a-wedding-dress?ref=seealso">7 Smart Ways to Save on a Wedding Dress</a>)</p> <p><em>What are some other unexpected places to find frugal wedding buys? Share with us in the comments!</em></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-smart-sources-for-wedding-essentials">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-body-scrubs">The 5 Best Body Scrubs</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-hair-growth-products-for-men">The 5 Best Hair Growth Products for Men</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-hair-growth-products-for-women">The 5 Best Hair Growth Products for Women</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-hair-growth-supplements">The 5 Best Hair Growth Supplements</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-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping bridal beauty bride getting married wedding wedding accessories wedding decor wedding dress wedding veil Thu, 14 Apr 2016 09:00:07 +0000 Ashley Marcin 1688987 at http://www.wisebread.com 7 Money Lessons I Learned From Thrift-Shopping http://www.wisebread.com/7-money-lessons-i-learned-from-thrift-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-money-lessons-i-learned-from-thrift-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_thrifting_happy_000055795106.jpg" alt="woman learning money lessons from thrift shopping" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I've been an avid thrift-shopper for the past three decades. Beyond a simple hobby, I have to admit thrift-shopping is a bit of an obsession for me &mdash; it channels my inner treasure hunter and provides an endless source of entertainment. (I'm a cheap date.) And besides saving me thousands of dollars over the years, it's also helped me learn a few important financial principles, too. Here are seven money lessons I've learned from thrift-shopping.</p> <h2>1. Retail Markups Can Be Massive</h2> <p><a href="http://www.wisebread.com/cheat-sheet-retail-markup-on-common-items">Retail markup on common items</a> is so steep it should make most store managers blush. Between wholesale and retail, eyeglasses can be marked up by as much as 1000%, jeans 350%, and furniture 400%. While I don't begrudge anyone turning a healthy profit, I don't want to be the one to pay it. Thrift-shopping helps maximize my budget by minimizing my exposure to excessive markups.</p> <h2>2. Depreciation Is a Powerful Force</h2> <p>Depreciation is the reduction in value an item experiences over time, usually due to wear and tear. But depreciation can happen without any wear at all. Drive that brand-new car off the lot and it's immediately transformed into a used car that's worth about 25% less. At a certain point, the downward force of depreciation becomes so significant that those of us who buy second-hand are getting great items at or below the manufacturer's cost of production.</p> <h2>3. Retail Discounts Aren't So Great</h2> <p>Considering retail markup can be a few hundred percent on some items, even the most generous discounts seem cheap by comparison. Why do we get such a charge out of saving 15% percent on an item selling 400% above wholesale? When we purchase a new item in a department store, we're not just covering excessive retail markup; we're also shouldering the biggest depreciation event &mdash; taking an item from coveted <em>new</em> status to scorned <em>used</em> status. Those of us who buy second-hand are side-stepping each of these forces and saving money in the process.</p> <h2>4. Value Is Arbitrary</h2> <p>Once we understand how retail mark-ups and depreciation work, it easier to grasp one essential truth: Value is an arbitrary thing. It's profoundly influenced by the retail industry, the marketing companies they employ, and our own tendency to favor new stuff over used stuff. Forget what you've been taught. Broaden your perception of value and save loads of cash.</p> <h2>5. Simplicity Saves Money</h2> <p>We live in a nation of excess and few places showcase that excess more clearly than thrift stores. Items are cast off as styles change, as technology changes, and as trends fade away. The next time you're in a second-hand store, consider the amount of cash all that inventory cost when new. It's a constant reminder to keep things simple, gravitate toward quality and classic styles, and avoid falling victim to expensive trends.</p> <h2>6. Planning Matters</h2> <p>Thrift-shopping is a game of chance and timing. To make of the most of it, you have to know what you need today and what you'll probably need six months from now. Once you're looking through a wider scope, you can spot bargains, seize deals, and avoid those last-minute &mdash; and expensive &mdash; buys at the department store.</p> <h2>7. There Are Business Opportunities Everywhere</h2> <p>Fact: People love to buy stuff, but not everyone has the time to hunt for what they want or the talent to spot a gem in a pile of junk. Enter the thrift-shoppers, the auction-goers, and the diehard flea market fans. Well before the Internet made selling a snap, I was flipping thrift-store finds to antique dealers and interior designers in Chicago. It turned something I loved to do anyway into a profitable business and helped me think more creatively and independently about income. (See also: <a href="http://www.wisebread.com/5-things-you-can-resell-on-ebay-that-make-the-most-money?ref=seealso">5 Things You Can Resell on eBay That Make the Most Money</a>)</p> <p>So, the next time you find yourself near a thrift store with the kids in tow, stop and take 30 minutes to browse around. It's not only a hotspot for bargains; it's the perfect place to learn about saving (and making) money.</p> <p><em>Are you a thrift-shopper? How has it changed how you think about money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/7-money-lessons-i-learned-from-thrift-shopping">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-7"> <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/new-isnt-always-better-12-used-things-to-love">New Isn&#039;t Always Better: 12 Used Things to Love</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-cant-save-if-you-dont-try">You Can’t Save if You Don’t Try</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things">4 Reasons You Should Splurge on Experiences, Not Things</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/get-more-money-for-your-stuff-with-these-retail-secrets">Get More Money for Your Stuff With These Retail Secrets</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/10-collectibles-that-almost-always-become-more-valuable">10 Collectibles That Almost Always Become More Valuable</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Shopping antiques eBay flipping money lesson resale thrift shops thrifting Wed, 13 Apr 2016 10:30:13 +0000 Kentin Waits 1687435 at http://www.wisebread.com 6 Ways to Score a Last-Minute Coupon http://www.wisebread.com/6-ways-to-score-a-last-minute-coupon <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-score-a-last-minute-coupon" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shop_owner_000048396518.jpg" alt="Woman finding ways to score a last-minute coupon" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As any frugal shopper can attest, there's nothing worse than paying full-price when all your attempts to find a coupon come up empty. Fortunately, with a little outside-the-box thinking, there is almost always a way to score an online or in-store coupon and save significant money in the process. Here are six such ways that'll keep you from paying full-price on darn near anything. (See also:&nbsp;<a href="http://www.wisebread.com/4-coupon-rules-that-stores-let-you-break?ref=seealso">4 Coupon Rules That Stores Let You Break</a>)</p> <h2>1. Use Live Chat and Ask</h2> <p>If you're shopping online and all of your attempts to find a coupon code for a particular retailer fail, try starting a live chat session and ask for one. Most large retail websites these days employ live chat operators that are standing by to help you with your purchase or answer any questions you might have. They also often have a list of coupon codes at their disposal that they can hand out at their discretion.</p> <p>Politely start a conversation, chat them up a little bit, then ask if they might have a coupon code for 20% off or perhaps free shipping. Make this a healthy frugal habit and you can save significant money over the course of a year. Retailers where this really works includes Lands' End, Home Depot, Old Navy, Office Depot, Shutterfly, and LL Bean.</p> <h2>2. Use a Competitor's Coupon</h2> <p>If you're shopping at Michaels and you can't find a printable in-store coupon, just look for a JoAnn, AC Moore, or Hobby Lobby coupon instead as they'll happily accept competitor coupons. Other popular stores that will accept competitor coupons include Home Depot, Lowe's, Menards, JoAnn, Office Depot, Sports Authority, Dick's Sporting Goods, and Walmart.</p> <p>When shopping in-store, the best way to gain quick access to these coupons is to arm your smartphone with a free coupon app from RetailMeNot or CouponSherpa. Then simply do a quick search for competitor coupons and save some easy money.</p> <h2>3. Abandon Your Virtual Cart</h2> <p>This tip is by far the most passive aggressive way to score an online coupon when you seem destined to pay full-price. It also takes a little patience, so it might not work if you need the item tomorrow. Many online retailers will try to entice you back by sending you a coupon via email if you leave, or abandon, items in your virtual shopping cart.</p> <p>For this to work you need to have an account with the retailer so they have your email address in their system. Then simply add the item(s) you want to buy to your online cart, then logout and wait for your coupon. If you're going to get a coupon to come back and finish your purchase, you'll typically get it within 24 hours. Retailers that have been known to send out coupons this way include Bed Bath &amp; Beyond, JCPenney, Best Buy, Williams-Sonoma, Office Max, and Land of Nod.</p> <h2>4. The Stores That Hand Them Out</h2> <p>Are you aware that some store employees are armed with coupons that they'll happily scan for you when checking out at the register? For example, if you forget to bring in your &quot;20% off any 1 item&quot; coupon at Bed Bath &amp; Beyond, just politely explain the situation to the checkout employee, and more often than not, they'll pull one out from behind the counter and scan it for you.</p> <p>A good way to judge whether the store you're shopping at might have a coupon ready to hand out is the frequency of their coupon offerings. If they always seem to have a coupon except for the day you happen to be shopping, there's a great chance an employee can get you one if you ask. Besides Bed Bath &amp; Beyond, stores where you should definitely ask include Kohl's, Harbor Freight, Macy's, and Michaels.</p> <h2>5. Hit Up Facebook for a Coupon</h2> <p>Another great way to find a coupon for a specific retailer is to hit up their Facebook page. All you have to do is send them a message politely asking for a coupon for some extra savings. Most large retailers have employees monitoring their Facebook presence and responding quickly to message requests. By quickly, I mean often within 30 minutes. You can either search Facebook directly to find the stores page or look for the Facebook icon on the retailer's homepage and click directly on it.</p> <h2>6. Tweet for a Coupon</h2> <p>Twitter is another excellent way to communicate directly with a retailer in an attempt to score a coupon. This is due to the fact that most Twitter feeds are constantly being monitored and a quick response is almost guaranteed. From the specific retailer's Twitter page, click on &quot;Message&quot; and type your coupon request. Be sure your request is polite and conversational and not demanding in tone.</p> <p>Your chances of success rise substantially if you've had a previous bad customer service experience with the retailer. Briefly explain what happened in your Twitter message and often times the retailer will give you a coupon to make up for your bad experience.</p> <p><em>How do you avoid paying full-price when a discount seems completely unavailable?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-ways-to-score-a-last-minute-coupon">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/4-coupon-rules-that-stores-let-you-break">4 Coupon Rules That Stores Let You Break</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-spot-and-avoid-a-fake-sale">4 Ways to Spot and Avoid a Fake Sale</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-10-best-couponing-apps">The 10 Best Couponing Apps</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-things-you-should-always-buy-at-department-stores">6 Things You Should Always Buy at Department Stores</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/5-times-coupons-trick-you-into-spending-more-money">5 Times Coupons Trick You Into Spending More Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping coupons customer service discounts expired Facebook live chat twitter Wed, 13 Apr 2016 09:30:30 +0000 Kyle James 1687437 at http://www.wisebread.com The 5 Best Makeup Brush Sets http://www.wisebread.com/the-5-best-makeup-brush-sets <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-makeup-brush-sets" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_makeup_brush_000072848447.jpg" alt="Woman holding best makeup brush sets" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You don&rsquo;t need to spend a bundle on makeup brushes.&nbsp;On the other hand, sturdy brushes can last for years, if they are high quality and you take care of them properly. The right set of brushes will make it much easier for you to achieve a professional makeup application, in less time. They will also make your makeup last longer and will allow you to use less product and still achieve your optimal results, which will end up saving you money in the end.</p> <h2>What Is a Makeup Brush?</h2> <p>A makeup brush is specially designed to professionally apply cosmetics. There are a variety of makeup brushes available, with each one suited for a different area of the face or eyes. Some makeup brushes are very precise, while others focus more on offering soft bristles that feel gentle against the skin. In order to keep your makeup brushes in optimal condition for years to come, make sure to keep them clean with a good makeup brush cleaner. (See also: <a href="http://www.wisebread.com/the-5-best-makeup-brush-cleaners">The 5 Best Makeup Brush Cleaners</a>)</p> <h2>Top 5 Makeup Brush Sets</h2> <h3>Real Techniques Core Collection Set</h3> <p><a href="http://www.amazon.com/gp/product/B004TSFBNK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004TSFBNK&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4RS3U7VVFZXIJJIG"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/real%20techniques.jpg" width="124" height="245" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B004TSFBNK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004TSFBNK&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4RS3U7VVFZXIJJIG">Real Techniques Core Collection Set</a> includes a contour brush, pointed foundation brush, detailer brush, and buffing brush &mdash; ideal for everything from powders and mineral makeup to creams and liquids. The brushes were created by celebrity makeup artist, Samantha Chapman of Pixiwoo. The brushes are high quality and feature a unique design and style, but are affordable enough to fit any budget. The ultra-plush synthetic bristles are non-porous, so they won&rsquo;t trap or absorb product, are less prone to breakage or damage, and can offer high-definition results. Each brush head is hand-cut to achieve the perfect shape, which allows for precise, and even, streak-free makeup application.</p> <p>The uniquely shaped and color-coded cruelty-free brushes offer extended aluminum ferrules, with each handle displaying the brush name, making it perfect for beginners and experts alike. The brushes are easy to use and clean. They also feature self-standing bases, so you can easily display them on your countertop. The handles are lightweight, so they are easy to use and you always have good control over them. They also feature ultra-soft bristles that many reviewers said felt like &ldquo;heaven.&rdquo; The set includes a 2-in-1 panoramic brush case, which is both a carrier and stand &mdash; ideal for travel or display.</p> <p>Real Techniques also offers different brush sets and individual brushes, so you can buy exactly what you need for your makeup kit. This set is an Amazon bestseller and has more than 1,600 five-star reviews on Amazon. Many reviewers compared these brushes to the much more expensive MAC and Sigma Beauty brushes, and found that these brushes came out on top. The brushes are also frequently chosen by professional makeup artists and beauty vloggers, so you may have seen them in a number of online tutorials. They are also an Allure &ldquo;Best of Beauty&rdquo; Award Winner and recommended by Total Beauty, Style Caster, and Into the Gloss.</p> <p><a href="http://www.amazon.com/gp/product/B004TSFBNK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004TSFBNK&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=4RS3U7VVFZXIJJIG"><em>Currently $12.50 on Amazon</em></a></p> <h3>e.l.f. Cosmetics 12-Piece Brush Set</h3> <p><a href="http://www.amazon.com/gp/product/B001HKR6WM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B001HKR6WM&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=CBEK2XXSH33HIJJC"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/elf%20brush.jpg" width="180" height="245" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B001HKR6WM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B001HKR6WM&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=CBEK2XXSH33HIJJC">e.l.f. Cosmetics 12-Piece Brush Set</a> includes some of their most popular synthetic, cruelty-free brushes. The set includes a concealer brush, blush/bronzer brush, foundation brush, blending eye brush, smudge eye sponge, eyeliner brush, total face brush, defining eye brush, eyelash and brow wand, lip defining brush, brow comb, and brush eyeshadow brush. The brushes are ideal for the face and eyes, so you should be able to find the perfect brush for any makeup look. Each brush is individually wrapped and has the type of brush marked on the wand, so you can quickly grab the right brush for the job. The brushes feature white handles and ultra soft bristles. The set also includes detailed instructions to help even beginners achieve a professional makeup application.</p> <p>e.l.f. is famous for providing professional quality cosmetic items at affordable prices. This set is backed by outstanding online reviews, including nearly 600 five-star reviews on Amazon. It is also recommended by Total Beauty, InStyle, Into the Gloss, and Refinery29.</p> <p><a href="http://www.amazon.com/gp/product/B001HKR6WM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B001HKR6WM&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=CBEK2XXSH33HIJJC"><em>Currently $19.99 on Amazon</em></a></p> <h3>Sigma Beauty Travel Kit</h3> <p><a href="http://www.amazon.com/gp/product/B006FJG69E/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B006FJG69E&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=UW4YP336MGPFFOIM"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/signa.jpg" width="216" height="220" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B006FJG69E/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B006FJG69E&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=UW4YP336MGPFFOIM">Sigma Beauty Travel Kit</a> includes seven bestselling travel-sized brushes in a sleek travel case. The set includes a large powder brush, large angled contour brush, foundation brush, eye pencil brush, eye shading brush, small angle brush, and tapered blending brush. The travel brushes are full brushes with shorter handles, so you can easily take them with you on the go. Many reviewers found that they prefer the travel size to the original size because the smaller brushes are easier to handle and use. The brush handles are made from a lightweight, sustainable source of wood and covered in eight coats of paint, so you won&rsquo;t need to worry about scratches. The patented three-ring brush ferrule also uses high performance SigmaAlloy for unwavering durability. The travel case turns into two brush holders so that you can stay organized at home and on-the-go.</p> <p>The brushes feature both natural and synthetic fibers, which makes them soft, but sturdy enough to work with creams, powders, and more. They feature antibacterial, hypoallergenic Sigmax HD fibers, which guarantees perfect product placement and high definition effects without absorbing product into the bristles or leaving you to worry about hair fallout. The Travel kit is available in a range of colors and <a href="http://www.amazon.com/gp/product/B006I8T1IU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B006I8T1IU&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=OCKIKTQANVCXTBHD">vegan options</a>.</p> <p>Sigma brushes may be expensive, but you won&rsquo;t find better. These are the brushes that most beauty vloggers showcase in their videos, so you&rsquo;ve likely seen them in online tutorials. Sigma offers travel kits, eye brush sets, individual brushes, and so much more to meet your needs. However, purchasing a set of brushes, rather than individual ones, will save you more money in the end. These brushes are also designed to last for years, so they should hold up very well over time. Sigma Beauty brushes are recommended by celebrity makeup artists, makeup vloggers, and publications like Elle, Style Caster, and Refinery29.</p> <p><a href="http://www.amazon.com/gp/product/B006FJG69E/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B006FJG69E&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=UW4YP336MGPFFOIM"><em>Currently $86.00 on Amazon</em></a></p> <h3>SHANY Professional 12-Piece Vegan Cosmetics Bamboo Brush Set</h3> <p><a href="http://www.amazon.com/gp/product/B00JGN1JJI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00JGN1JJI&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=76Z64HI53554EWW7"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/shany.jpg" width="220" height="181" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B00JGN1JJI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00JGN1JJI&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=76Z64HI53554EWW7">SHANY Professional 12-Piece Vegan Cosmetics Bamboo Brush Set</a> includes everything you&rsquo;ll need to professionally apply makeup. The set includes a powder brush, foundation brush, blush brush, eyeshadow brush, concealer brush, lip brush, mascara brush, dual eyeshadow brush, and a spoolie. The brushes feature a ferrule base and high quality synthetic and natural hair bristles, which are soft yet sturdy enough for any type of makeup application. They have a sleek appearance and are carefully shipped in stylish packaging. The handmade natural bamboo brushes come in a vegan microfiber rollup organizer pouch, which is ideal for traveling. The set also includes illustrative instructions, so you can apply makeup like a pro. The traditional set is available in a range of colors, while the vegan set is also available in pink.</p> <p>If you&rsquo;ve ever tried Eco Tools brushes, you&rsquo;ll find similar results with these affordable brushes that won&rsquo;t irritate your skin. This set is globally known and backed by outstanding online reviews, including more than 1,400 five-star reviews on Amazon. SHANY brushes are frequently recommended online and by professional makeup artists because they offer professional results at an affordable price. In fact, many reviewers compared this set to the much more expensive Sigma Beauty and MAC brushes and found that the SHANY brushes came out on top.</p> <p><a href="http://www.amazon.com/gp/product/B00JGN1JJI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00JGN1JJI&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=76Z64HI53554EWW7"><em>Currently $12.99 on Amazon</em></a></p> <h3>BS-MALL Premium Synthetic Kabuki Makeup Brush Set</h3> <p><a href="http://www.amazon.com/gp/product/B00I3VHKVK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00I3VHKVK&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=PK2IPFLW7JVFCJ2Z"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bsmall.jpg" width="245" height="181" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B00I3VHKVK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00I3VHKVK&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=PK2IPFLW7JVFCJ2Z">BS-MALL(TM) Premium Synthetic Kabuki Makeup Brush Set</a> is Amazon&rsquo;s #1 best seller in makeup products for a reason. There are a number of affordable brush sets on Amazon, but this is the best one you&rsquo;ll find. Many reviewers found that these are the best brushes they&rsquo;ve ever used and a number of independent review sites selected these as the best affordable brushes available. The premium synthetic brushes offer amazing quality at a low cost.</p> <p>This 10-piece set includes a foundation brush, powder brush, blush and bronzer brush, concealer brush, flat-angled brush, stipple brush, eyeshadow brush, angled contouring brush, tapered contouring brush, and flat angled concealer brush, so you&rsquo;ll have everything you need for any makeup look. The brushes feature ultra-soft luxurious synthetic bristles that are sturdy enough to work with powder, cream, liquid, and mousse products. The no-shed brush heads have white tips, which will allow you to see how much product you have picked up and will allow for easier cleaning. The golden aluminum ferrule and ergonomic wooden handles are easy to hold and use, so you can have maximum control at all times.</p> <p>This set is available in a range of colors to best suit your personal preferences. The set also includes a manual and picture guide to help you achieve picture-perfect makeup application every time. This brush set is frequently featured by makeup vloggers and professional beauty publications. Many reviewers also compared it to Sephora, Real Techniques, Sigma Beauty, and Morphe makeup brushes and found that these affordable synthetic brushes came out on top. This is also one of Amazon&rsquo;s &ldquo;most wished for&rdquo; items, the #1 best seller in beauty gift sets, and backed by outstanding online reviews &mdash; including more than 2,600 five-star reviews on Amazon.</p> <p><a href="http://www.amazon.com/gp/product/B00I3VHKVK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00I3VHKVK&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=PK2IPFLW7JVFCJ2Z"><em>Currently $11.99 on Amazon</em></a></p> <p>And those are our recommendations for the best makeup brush sets. 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-makeup-brush-sets">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pressed-powders">The 5 Best Pressed Powders</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-false-eyelashes">The 5 Best False Eyelashes</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-highlighters">The 5 Best Highlighters</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-bb-creams">The 5 Best BB Creams</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-cc-creams">The 5 Best CC Creams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping beauty products makeup makeup brushes makeup products product reviews Wed, 13 Apr 2016 09:00:09 +0000 Andrea Cannon 1652420 at http://www.wisebread.com 5 Ways to Stop Your Mindless Spending http://www.wisebread.com/5-ways-to-stop-your-mindless-spending <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-stop-your-mindless-spending" 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_shoes_000072990333.jpg" alt="Woman finding ways to stop her mindless spending" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The other night, as I was searching through new titles on my Kindle, I saw that Charles Duhigg, one of my favorite nonfiction authors, had published a new book that I could buy and download with a single click.</p> <p>Despite the fact that Duhigg's research focuses on breaking bad habits and setting up good ones, I wasted no time in committing a wanton act of one-click buying.</p> <p>This kind of <a href="http://www.wisebread.com/save-more-and-spend-less-by-increasing-your-mental-transaction-costs" target="_blank">spending without thought</a> is remarkably easy these days. Nearly every device we touch gives us an opportunity to spend money, even if we never set foot in a brick-and-mortar store. But it is possible to make spending mindful again, without feeling overwhelmed or deprived.</p> <p>Here are five ways to put an end to mindless spending for good.</p> <h2>1. Use Gift Cards for Online Purchases</h2> <p>My big mistake with my Kindle was allowing my credit card information to be synced for one-click ordering. Putting an additional layer of work between wanting a title and buying it can be enough to keep me from spending mindlessly.</p> <p>That's why I've removed my credit card information from my Amazon account, and I have committed to using gift cards for my purchases. When I find something I want on Amazon (or another e-tailer), I purchase an electronic gift card through a third party site that benefits local charities. The extra effort required to get the gift card is enough of an annoyance that I know for sure whether or not the purchase is worthwhile, and it makes me feel good to know that institutions I care about will benefit when I do decide to buy.</p> <p>More importantly, using gift cards removes the one-click purchase temptations, which have gotten me into trouble on more than one occasion.</p> <h2>2. Record All of Your Purchases</h2> <p>Writing down every single penny that you spend can be an eye-opening experience. Not only is this a good way to find the leaks in your budget, but it can also help disrupt your habit of mindless spending. Since you must take the time to write down the $0.99 for a new song on iTunes here and the $4.78 for a gourmet cupcake there, you will create enough space for yourself to think through each purchase and decide whether it is something you really want.</p> <p>Additionally, many times you might find yourself thinking you really don't want to write down a particular purchase. If seeing the reality of what you have spent in black-and-white does not appeal, then you probably don't really want to spend the money and would be happier keeping it in your wallet.</p> <h2>3. Pay Attention to Context</h2> <p>Every habit you have depends upon a context. The environment is often the context or cue for you to engage in a particular habit.</p> <p>For instance, when my mother was working to quit smoking over 30 years ago, she realized that she lit a cigarette every day in the car upon passing a certain landmark in her morning commute. During the first few weeks after she quit, she took an alternate route to work, making it easier to forgo that particular cigarette of the day.</p> <p>Researchers have found that Mom's strategy works for any kind of habit. When movie-goers were given free popcorn (that happened to be stale) in a movie theater environment, those who habitually ate popcorn at the multiplex <a href="https://www.psychologytoday.com/blog/the-science-success/201110/the-2-simple-ways-stop-your-mindless-bad-habits">ate the same amount</a> of the stale stuff as they would have eaten of a fresh batch. But put those habitual popcorn eaters in a conference room to watch a film with a free bag of stale popcorn, and they stopped eating the stuff &mdash; since the context did not activate their habit.</p> <p>If you have a tendency to spend mindlessly in particular situations, such as when you go to happy hour with friends, find a way to change the context. For example, just shaking up which bar or what type of establishment you go to can be enough to stall your mindless spending habit. According to Psychology Today, <em>any</em> alternate activity is less likely to trigger your mindless habit.</p> <h2>4. Give Every Dollar a Home</h2> <p>My husband is paid on a monthly schedule, which means we feel remarkably flush on the first of every month. To keep ourselves from mindlessly getting takeout or wasting money on Pay-Per-View movies, we don't just let his paycheck sit in our checking account. Instead, we automatically transfer money to various savings accounts as soon as his salary hits the bank, leaving just enough to cover our monthly bills (with a cushion).</p> <p>Knowing that every dollar that comes in has a specific purpose does a great deal to curb our mindless spending, since we would have to access savings in order to spend outside of our monthly budget.</p> <h2>5. Keep a Running List of Things You Need</h2> <p>We take convenience for granted these days. Many stores are open 24 hours, and something you order online can be on your doorstep the very next day. But many of the things that you need are not time sensitive &mdash; and waiting to make purchases can help you stop spending on unnecessary impulse items.</p> <p>This is why it's a good idea to keep a list of needed items, rather than running out to the store or logging onto Amazon as soon as you realize what you are lacking. With a specific list in hand at a brick-and-mortar store, you are less likely to &quot;browse&quot; and find something that you think you can't live without.</p> <p>In addition, keeping a list of needed items can help you overcome the &quot;free shipping&quot; trap of online purchases. If you wait to make orders online until you have enough items to qualify for free shipping, you don't end up buying things you don't really want just to get some of that sweet free shipping action.</p> <h2>Breaking Bad Habits</h2> <p>Spending your money without thinking about it is nothing more than a habit, and habits can be broken and changed. You do not have to give up the things you really want as long as you are mindful of what you are spending your money on.</p> <p><em>What are you doing to curb mindless spending?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-ways-to-stop-your-mindless-spending">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/5-ways-to-make-retail-therapy-good-for-you">5 Ways to Make Retail Therapy Good for You</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/can-a-capsule-wardrobe-actually-save-you-money">Can a Capsule Wardrobe Actually Save You Money?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-youre-bad-at-money-and-how-to-fix-it-asap">8 Reasons You&#039;re Bad at Money — And How to Fix It ASAP</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/save-more-and-spend-less-by-increasing-your-mental-transaction-costs">Save More and Spend Less by Increasing Your &quot;Mental Transaction Costs&quot;</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping bad habits budgeting mindless spending overspending shopaholic Tue, 12 Apr 2016 10:30:05 +0000 Emily Guy Birken 1687115 at http://www.wisebread.com