bulk shopping http://www.wisebread.com/taxonomy/term/11363/all en-US My 2016 Budget Challenge: Three Lessons About Saving One Husband Learned in a Year http://www.wisebread.com/my-2016-budget-challenge-three-lessons-about-saving-one-husband-learned-in-a-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/my-2016-budget-challenge-three-lessons-about-saving-one-husband-learned-in-a-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_paying_bills_506247566.jpg" alt="Husband learning savings lessons in a year" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>[Editor's Note: This is another episode in Max Wong's journey to find an extra $31,000 this year. Read the whole series </em><a href="http://www.wisebread.com/topic/max-wongs-budget-0" target="_blank"><em>here</em></a><em>.]</em></p> <p>Oh. My. <em>God</em>. Mr. Spendypants has been pretending not to read my Wise Bread articles all this time. How do I know this? It's only recently that he's become suspiciously competitive with me about my monthly savings. &quot;I'm putting $1,000 a month into savings. How much are you saving?&quot; And, just this morning he demanded, &quot;Why isn't my name Mr. Saveypants?&quot;</p> <p>He is so busted.</p> <p>To be fair to my husband, who had no clue what he was signing onto when I told him I was going to publicly out our personal finances to the world for 12 straight months with this series, he's been an excellent student of thrift this year.</p> <p>Here are some of the big lessons that he's learned.</p> <h2>Stock Up on Basics When They Go on Sale</h2> <p>At the beginning of the year, I bought 33 pounds of Plugra, a fancy French butter, on sale. At $2 per pound it was cheaper than buying the generic store brand. Although Mr. Spendypants has been enjoying a superior butter experience all year long, he's feigned annoyance at how much freezer space is taken up by my Plugra stash. He uses this as an example of my minimalist hypocrisy. After all, how can anyone who complains about clutter as much as I do think bulk purchasing is an acceptable idea?</p> <p>But recently, Mr. Spendypants had a change of heart. Earlier this month, we were in Whole Paycheck (our nearest purveyor of bulk dry goods) stocking up on pantry basics, when we discovered a huge sale on fair trade soap. <a href="http://amzn.to/2ielR5x" target="_blank">Alaffia soap</a> normally sells for $7.99 per bar on Amazon. Whole Foods was selling it that weekend for $1 per five-ounce bar. At that price, it was cheaper than buying soap with a coupon at our local grocery store.</p> <p>After a ton of haggling, Mr. Spendypants agreed to buy two cases of soap, or 72 bars, for $72. &quot;Soap doesn't spoil. I think we should buy more,&quot; I insisted as we waited to check out. No dice. I hauled my hard-won two cases, and only two cases, down to the car.</p> <p>We were halfway home when Mr. Spendypants turned the car around. &quot;How many cases of soap do you think we can fit in the house?&quot; he asked. We returned to the store and bought another two cases of soap for a total of 144 bars for $144.</p> <p>Yesterday Mr. Spendypants announced that we use five bars of soap per month. He's been keeping track of our soap usage in his personal calendar. According to his projections, we have 26 more months to find another soap deal.</p> <p>Woah. Tracking soap usage is some next level thriftiness.</p> <h2>Compound Your Savings</h2> <p>Before I forced this experiment on him, my husband had never tracked his luxury spending. Mr. Spendypants considered whatever sum was left over at the end of every month after putting money into the retirement fund and paying the bills to be play money. His financial thinking went something like this: &quot;Save money on butter? Great! Now I can buy more board games!&quot; It was impossible to convince him that banking all the small savings throughout the month could lead to great wealth, even though I am a living success story of <a href="http://www.wisebread.com/my-2016-budget-challenge-how-to-buy-a-house-when-you-live-paycheck-to-paycheck" target="_blank">compound savings</a>.</p> <p>In an effort to help me make my goal of finding an extra $31,000, Mr. Spendypants has been dutifully monitoring his spending and has been shocked by the results. Specifically, he's shocked that he hasn't felt any deprivation, even though he's been socking away an extra $1,000 or so each month instead of toy shopping. He's now on my case about compound saving next year so we can afford to take a trip to Easter Island in 16 months for his 50th birthday. Crap. He's already being such a nag about it, too. What have I done?</p> <h2>Out of Time? Losing Things? Perhaps You Have Too Much Stuff</h2> <p>My husband is one of those people who believe that the house would look less cluttered if he could only find the right storage container. I can't tell you how many hours he's wasted rearranging the Island of Misfit Tools A.K.A. our garage.</p> <p>In the meantime, he's constantly misplacing his keys, his wallet, his sunglasses, and his cell phone. You know, all those things you actually need for your life to work smoothly. If only he had the right system in place, then he would never forget his lunch, his keys, his wallet, his phone, or his sunglasses on the kitchen counter.</p> <p>I have the perfect system for never losing the things I need to make my life work. It's called a purse.</p> <p>But back to the 10 pounds of crap in a five-pound bag situation in our house&hellip;</p> <p>I am not sure which lost key/phone/prescription glasses event precipitated the change of heart in Mr. Spendypants, but he finally bought a &quot;satchel&quot; (purse). More importantly, he's started sorting through his things looking for stuff to sell for money.</p> <p>In the last month he's moved 10 boxes of potential merchandise out of his office and into the garage. He can't believe how much more productive he's been since he downsized. Hmmm&hellip;it's almost like taking care of all that extra stuff was taking up tons of time. It's like ownership is a job in itself.</p> <h2>Progress So Far</h2> <p>Mr. Spendypants made an extra $1,000 DJing a party, but we used $745 of that money to fund our Thanksgiving trip home to visit the Spendypants relatives. So he came out $255 ahead.</p> <p>In addition to making $715 from writing gigs, I started selling everything that's not nailed down in our house. I managed to sell $55.76 worth of vintage hardware on Etsy, $122.49 worth of Tupperware (I used to be a Tupperware Lady) at a friend's house party, and $20 in books to my local used bookstore. At the end of this pay period I was able to pay down our home equity line of credit by $913.25.</p> <p><strong>Goal:</strong> $31,000</p> <p><strong>Amount Raised:</strong> $26,387.42</p> <p><strong>Amount Spent:</strong> $13,598.66</p> <p><strong>Amount Left to Go:</strong> $18,211.24</p> <h2 style="text-align: center;">Like this artice? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fmy-2016-budget-challenge-three-lessons-about-saving-one-husband-learned-in-a-year&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FMy%202016%20Budget%20Challenge-%20Three%20Lessons%20About%20Saving%20One%20Husband%20Learned%20in%20a%20Year%20(1).jpg&amp;description=My%202016%20Budget%20Challenge%3A%20Three%20Lessons%20About%20Saving%20One%20Husband%20Learned%20in%20a%20Year" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/My%202016%20Budget%20Challenge-%20Three%20Lessons%20About%20Saving%20One%20Husband%20Learned%20in%20a%20Year%20%281%29.jpg" alt="My 2016 Budget Challenge: Three Lessons About Saving One Husband Learned in a Year" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/my-2016-budget-challenge-three-lessons-about-saving-one-husband-learned-in-a-year">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/my-2016-budget-challenge-reduce-debt-or-save-for-an-emergency">My 2016 Budget Challenge: Reduce Debt or Save for an Emergency?</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/my-2016-budget-challenge-job-creation">My 2016 Budget Challenge: Job Creation</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/my-2016-budget-challenge-everything-breaks">My 2016 Budget Challenge: Everything Breaks</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/my-2016-budget-challenge-affording-education">My 2016 Budget Challenge: Affording Education</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/my-2016-budget-challenge-what-to-do-with-a-totaled-car">My 2016 Budget Challenge: What to Do With a Totaled Car</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living budget challenge bulk shopping clutter max wongs budget organizing paying down debt saving money Fri, 30 Dec 2016 10:30:25 +0000 Max Wong 1865097 at http://www.wisebread.com 7 Telltale Signs a Good Deal Is a Bad Deal http://www.wisebread.com/7-telltale-signs-a-good-deal-is-a-bad-deal <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-telltale-signs-a-good-deal-is-a-bad-deal" 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_towels_95332899.jpg" alt="Woman learning signs a good deal is a bad deal" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I love a good deal, don't get me wrong. But sometimes, what seems like a good deal turns out to be a waste of money. The signature of a bad deal is that you are spending extra money or time to get something you don't really need or wouldn't normally buy. There are lots of ways that savvy sellers can make a bad deal seem like a good one.</p> <p>Here are some of the most common types of bad deals that people get tricked into thinking are good. (See also:&nbsp;<a href="http://www.wisebread.com/the-6-shopping-mistakes-keeping-you-from-a-great-deal?ref=seealso" target="_blank">The 6 Shopping Mistakes Keeping You From a Great Deal</a>)</p> <h2>1. So Cheap, Might as Well Buy a Ton ...</h2> <p>When I was a freshman in college, a nearby fast food place had an amazing deal on hamburgers, selling three for a dollar. My roommate and I decided to stock up and buy 100 burgers to freeze and eat all semester to provide a cheap food supply. What could go wrong with a master plan like this? We ate all of the hamburgers that weekend! Instead of saving money, we ended up blowing a lot of extra cash and eating <em>way </em>too many hamburgers. The lesson I learned is that buying a large supply of cheap items to save money is not necessarily a good deal. Having a large supply of bargain items around can result in using a lot more than normal if you are not careful.</p> <h2>2. Supersizing</h2> <p>You might think paying a little more to get the next larger size is a good deal, but it is not if you don't need the larger size. You are likely paying more to get something you don't need, which is practically the definition of a bad deal. Why do so many people step up to a larger size than they need? The psychology of the deal makes spending only 10% more money to get 50% more product almost irresistible. Supersizing can be a good deal if you are sharing one supersized meal among multiple people, but few of us really need the extra calories and fat.</p> <h2>3. Buy Two, Get One Free!</h2> <p>Free stuff sounds great, but do you really want to buy two of something you only need one of in order to get a third one for free? It is hard to resist an opportunity to get something free, but this deal has a couple of downsides. First, there is the problem of having to buy two of something. That is likely twice as much as you would usually buy. Then there is the problem of having to store three items and try to use all of it before it goes bad, gets broken, etc. A deal like this limits your options. Let's say you end up with three bottles of mouthwash by taking a &quot;Buy Two, Get One Free&quot; deal. You might wish you could switch to a different kind after a few weeks, but you already have a six-month supply in your closet.</p> <h2>4. &quot;Near Code&quot; Items</h2> <p>If you see a display of highly discounted items for sale at the grocery store, it may mean that they are &quot;near code.&quot; In other words, the bargain items are only a few days away from reaching their expiration date. Grocery items are usually good for some amount of time past the expiration date, but buying a large amount of these &quot;near code&quot; items to save money can be a risky deal. You can easily end up spending more money overall if some of the &quot;near code&quot; items do go bad or get thrown away by family members and are wasted.</p> <h2>5. Coupon for Something Expensive</h2> <p>One reason that stores and manufacturers put out coupons is to get you to try new products. Often these products are priced outside your normal budget at full price, but become affordable with a coupon. The problem with trying discounted expensive items is that the coupons don't last forever, and you might end up using the more expensive product all of the time. The $2 you saved with your coupon on the initial purchase will quickly be wiped out if you end up buying the more expensive item on a regular basis.</p> <h2>6. Product of the Month Clubs</h2> <p>I learned that you can get a lot of nice bottles of wine for a low introductory rate from a wine of the month club. But there is a reason product of the month clubs offer such a great sign-up deal &mdash; to get you started on a subscription that costs a lot of money over time. I stayed with my wine club for over a year and got to try some great wine that was delivered in a very convenient way, but it cost a lot of money. Eventually, I came to my senses and decided to seek out my own wine bargains at grocery stores for less than half the cost. It is easy to simply stay subscribed to a product of the month club when you enjoy the product and the convenience of automatically receiving it in the mail. This is the trap that product of the month clubs set, and it works!</p> <h2>7. Product Demonstrations</h2> <p>I once signed up to have an in-home demonstration of a vacuum cleaner in exchange for receiving a free prize, a $30 humidifier. Unfortunately, the vacuum demonstration turned out to be a two-and-a-half hour high pressure sales pitch for a $2,000 vacuum cleaner followed by a pitch to join a multilevel marketing (MLM) organization to sell vacuum cleaners to strangers to earn a free vacuum. Talk about a pleasant evening! The finale was that the sales person became so frustrated after she spent that much time and effort and was unable to sell anything to me that she stormed off and I never received my free prize. I learned my lesson &mdash; enduring a product demonstration or sales pitch is rarely a good deal no matter what free prize that is offered. At best, you will waste a few hours. At worst, you might end up buying an expensive item you don't need.</p> <p><em>What seemingly &quot;good deals&quot; have turned out to be bad deals for you?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/7-telltale-signs-a-good-deal-is-a-bad-deal">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-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/the-big-list-of-money-saving-coupon-codes-for-halloween-2016">The Big List of Money-Saving Coupon Codes for Halloween 2016</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/never-order-fish-on-mondays-and-7-other-bad-days-to-buy-stuff">Never Order Fish on Mondays and 7 Other Bad Days to Buy Stuff</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-outlet-shopping-hacks-that-will-save-you-big">10 Outlet Shopping Hacks That Will Save You Big</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping bad deals bogo bulk shopping buy one get one coupon codes discounts product demonstrations sales Fri, 29 Jul 2016 09:00:10 +0000 Dr Penny Pincher 1761379 at http://www.wisebread.com 10 Things You Probably Didn't Know You Could Buy at Costco http://www.wisebread.com/10-things-you-probably-didnt-know-you-could-buy-at-costco <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-things-you-probably-didnt-know-you-could-buy-at-costco" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shopping-168814957.jpg" alt="shopping man" title="shopping man" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>The first Costco location (then called Price Club) opened in 1976 inside a converted airplane hangar in San Diego, California. The original business model was to serve only businesses, offering bulk products at discounted prices. The company quickly realized it could increase its sales by offering memberships to a select group of non-business owners. (See also: <a href="http://www.wisebread.com/10-things-you-didnt-know-you-could-buy-in-bulk?ref=seealso">Things You Didn&rsquo;t Know You Could Buy in Bulk</a>)</p> <p>The early 1980s saw the boom of the warehouse club industry. In 1983, the first Costco warehouse store opened in Seattle, Washington and in that year, the company became the first ever to grow from zero to $3 billion in sales in under six years. As of November 2013, the company has over six hundred locations across the United States and boasts of over 71.2 million membership cardholders. (See also: <a href="http://www.wisebread.com/15-things-you-should-buy-at-costco?ref=seealso">Things You Should Buy at Costco</a>)</p> <p>The amazing part of the Costco story isn't just the rapid growth but the myriad of different products and services the company offers to its members. People think Costco and the first images which spring to mind are garbage can sized pickle jars and packages of enough bathroom tissue to TP the homes of the entire state of Maine. Sure, those products are available, along with window blinds, snow plows, and a chance to shake hands with author Mitch Albom. (See also: <a href="http://www.wisebread.com/best-credit-cards-to-use-at-costco?ref=seealso">The Best Credit Cards to Use at Costco</a>)</p> <p>As these benefits will prove, a Costco membership does have its privileges. Here are some things you might not expect to buy at Costco.</p> <h2>1. Cubicles</h2> <p>While most of the world hates the feeling of semi-confinement in half walls the cubicle could serve a purpose in the typical family home. Suppose mom or dad works from home and needs a designated office space but doesn't have an extra room to devote to a home office? Suppose the kids need a quiet and self-contained area to work on homework or other projects that cuts down on the distractions of television or other family members? Why not consider a home cubicle?</p> <h2>2. Funeral Supplies</h2> <p>No one wants to plan a funeral, but sadly, it's a part of life. If you've been lucky enough to avoid funeral planning in your life so far, you've probably got little idea as to how expensive the entire ordeal can be. Between the casket, the flowers, and all the odds an ends, dying costs an incredible amount of money. The time constraints and mental anguish of burying a loved one also cause people to make quick, often costly, decisions just to get the entire ordeal over with. Though it is a bit morbid, planning ahead for a funeral is often the most cost effective plan, and it saves loved ones from the uncomfortable task once you've kicked the bucket. Costco has an entire funeral section. Now you're just going to need to make room in the basement to store your casket.&nbsp;</p> <h2>3. Autographed Books</h2> <p>Every Costco location offers a library of new and old books at discounted prices. There are titles to suit almost every bibliophile including hardcover, paperback, and even children's books. Many Costco locations even host author book readings and signings.&nbsp;</p> <h2>4. Cars</h2> <p>Costco doesn't have cars in their stores (at least none we know about), but they do offer an auto buying program to members. The Costco Auto Program is designed to save people time and hassle when buying a new or pre-owned car. It's pretty simple &mdash; members can submit a request via the Costco Auto website. Costco will search your specific area and direct you to one of the 3,000 participating dealers closest to your area. Choose your dealer, visit the lot, and choose the car you want. Show the dealer your Costco membership card, and you'll receive the special price. Costco attempts to eliminate the uncomfortable haggling that comes with buying a car. (See also: <a href="http://www.wisebread.com/7-websites-you-must-visit-when-buying-a-new-car?ref=seealso">Websites You Must Visit When Buying a New Car</a>)</p> <h2>5. Gym Memberships</h2> <p>Your local gym is offering deals on memberships but it feels as though there is always a catch. Sure, the rates are decent, but how does a person really know they're getting a deal? If they purchase a membership using their Costco card, they can be sure. Gym membership deals are available at an assortment of clubs and spas across the US. All a member has to do is purchase a gym membership through the Costco website, print out the certificate, and bring it to the participating gym with proper ID; and you'll be sweating it out on a treadmill in no time.&nbsp;</p> <h2>6. Snow Plows</h2> <p>The winter is always an unpredictable beast. One day it's unseasonably warm, and the next a foot of snow is dumped on your doorstep. Some areas of the United States get so much snow over the course of the year, it's much more cost effective (and easier on the back) to attach a snow plow to the truck and dig out the driveway. Anyone interested in a snow plow doesn't have to deal with a special vendor can just head on down to Costco. Wouldn't it be ironic if the delivery of your snow plow was delayed because of snow?</p> <h2>7. Small Business Services</h2> <p>Are you looking to run your small business more efficiently? Why not get help from the place where you already buy a ton of your office supplies? Costco offers an incredible assortment of services to the small business owner almost as important as packages of bulk toilet paper. The services include merchant credit card processing, water delivery, business document set-up, health and dental plans, payroll services, and even 401(k) plans.</p> <h2>8. Vacation Packages</h2> <p>Sometimes a person needs a vacation just from planning a vacation. Hotel reservations, air travel bookings, and itinerary planning &mdash; vacation planning is best left to someone else. Why not Costco? Not only will they help plan a vacation and handle everything from air travel and car rental to hotel booking, theme park visits, and cruises; but Costco members receive a discount from participating destinations and resorts. They even have travel experts on call 24/7 to book your vacation at your own convenience. (See also: <a href="http://www.wisebread.com/how-to-book-an-amazing-cheap-vacation-package?ref=seealso">How to Book a Vacation Package</a>)</p> <h2>9. Engagement Rings</h2> <p>We knew that Costco carried jewelry, but we had no idea that they offer engagement rings, too. Costco members can get big discounts for this sentimental purchase. (See also: <a href="http://www.wisebread.com/12-money-saving-tricks-to-know-before-buying-an-engagement-ring?ref=seealso">12 Ways to Save on Engagement Rings</a>)</p> <h2>10. Emergency Food Kits</h2> <p>If the world has hopefully learned one lesson these past few years, it's that the entire Earth is at the will of Mother Nature. From tsunamis to superstorms to multiple feet of snow, it's important to be prepared in case of any emergency. The Costco website devotes an entire section to emergency preparation. This includes not only food and beverage options but first aid kits and powdered beverages.&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chris-illuminati">Chris Illuminati</a> of <a href="http://www.wisebread.com/10-things-you-probably-didnt-know-you-could-buy-at-costco">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/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/sams-club-or-costco-which-warehouse-club-is-right-for-you">Sam&#039;s Club or Costco: Which Warehouse Club Is Right for You?</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-expert-ways-to-save-time-and-money-at-costco">8 Expert Ways to Save Time and Money at Costco</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-telltale-signs-a-good-deal-is-a-bad-deal">7 Telltale Signs a Good Deal Is a Bad Deal</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-college-perks-you-might-be-missing-out-on">8 College Perks You Might Be Missing Out On</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping bargain shopping bulk shopping costco discounts Wed, 29 Jan 2014 11:24:10 +0000 Chris Illuminati 1119563 at http://www.wisebread.com Why You Pay More at the Grocery Store (and How to Stop) http://www.wisebread.com/why-you-pay-more-at-the-grocery-store-and-how-to-stop <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-you-pay-more-at-the-grocery-store-and-how-to-stop" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/8200880966_c3808de0b6_z.jpg" alt="grocery store" title="grocery store" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Many of us don't think too much about what we throw into our grocery carts &mdash; or how much it all costs. After all, we have to eat! But for most Americans, food makes up one of the largest expenses in the budget, right after paying for housing and transportation. If you can trim just $20 off your weekly grocery bill, it can save you $1,000 per year; saving $60 per week could put more than $3,000 extra in your pocket.</p> <p>Believe it or not, those kinds of savings aren't unrealistic, and you don't have to starve to death to achieve them. All you have to do is look at where grocery stores make their money and where you may have some bad shopping habits. (See also: <a href="http://www.wisebread.com/how-to-grocery-shop-for-five-on-100-a-week">How to&nbsp;Grocery&nbsp;Shop for Five on $100 a Week</a>)</p> <h2>What You Pay More For</h2> <p>It isn't hard to guess which items in the grocery store have the highest mark-ups; after all, you won't see a fancy display around cabbages or low-fat milk. In fact, the highest margin &mdash; and therefore lowest value &mdash; items will fall into one or more of the following categories.</p> <p><strong>Convenience</strong></p> <p>The closer a food is to being ready to put on the table, the more it'll cost you. That's why things like pre-cut fruits and vegetables and breakfast cereals have significant mark-ups. The same goes for most packaged convenience foods and pre-made meals. For many of us, throwing a few convenience items in the cart is a matter of necessity &mdash; or sanity. Just be aware that the less preparation you do at home, the more you'll pay at the store.</p> <p><strong>Brand Names</strong></p> <p>It wasn't long ago that store-branded foods were pretty terrible imitations of brand name favorites. Nowadays, however, most stores offer a great range of high quality products under their own labels and, in many cases, they're much cheaper than the mega brands you'll see advertised on TV.</p> <p><a href="http://recipes.howstuffworks.com/menus/certain-foods-so-expensive.htm" target="_blank">Brand name items are marked up dramatically</a>. You might have to do a little experimenting, but for the most part, brand name foods don't cost more because they're better &mdash; they're just better known. Do you really want to pay for your canned soup's star power?</p> <p><strong>Organics</strong></p> <p>There's still a lot of debate about whether organic produce provides a health benefit over conventionally grown fruits and veggies, but one thing you can't argue with is that organic comes at a price.</p> <p>Organic foods tend to cost 30 to 50% more than regular produce, largely because organic producers are smaller, have smaller markets, and don't receive the same subsidies as other growers.</p> <p>If you're concerned about pesticides, pay more where it counts by choosing organic items that tend to be highly contaminated when grown conventionally. According to the Environmental Working Group's 2012 &quot;<a href="http://www.ewg.org/foodnews/" target="_blank">Shoppers' Guide to Pesticides</a>,&quot; these items include apples, celery, bell peppers, peaches, strawberries, and grapes. Items such as onions, corn, pineapple, and avocados, on the other hand, are relatively uncontaminated, so buying organic here may provide limited benefit. To save even more, check out organic produce at a <a href="http://www.wisebread.com/what-not-to-buy-at-a-farmers-market">local farmers market</a>, or grow your own in the back yard.</p> <h2>Habits That Can Cost You</h2> <p>Avoiding the most costly items in the grocery store is essential, but if you really want to nail frugal grocery shopping, you have to steer clear of costly habits as well.</p> <p><strong>Lack of Flexibility</strong></p> <p>One of the best ways to save money on groceries is to be a little flexible about what you buy each week. Having a meal plan is great, but you also have to be creative and willing to roll with the sales and promotions at your local grocery store.</p> <p>Rather than dutifully scooping the same old meats, fruits, and veggies into your cart every week, use the sales to determine what you buy. Choose items that are on special and work them into a flexible meal plan. This kind of shopping has gotten even easier with websites like <a href="http://punchfork.com/" target="_blank">PunchFork.com</a>, which allows you to enter an ingredient or two and find tons of illustrated recipes that'll fit the bill.</p> <p><strong>Lack of Research</strong></p> <p>Doing a little research in local flyers before hitting the shops can be a great way to shave a few dollars off your food bills. Chances are there are a few grocery stores in your area, so you can often decide which one to visit based on what you need.</p> <p>When I want to stock up on canned tomatoes, pasta, and dried beans, I often head to my local Italian market, where there's a broad selection of these items at a lower price than at other stores. When I want to stock up on rice and noodles, I visit the <a href="http://www.wisebread.com/want-to-save-a-bundle-on-your-groceries-consider-you-local-asian-market">Asian market</a>. If you know which stores have the best prices on certain items, you can visit them intermittently to stock up, and decide where to shop that week based on what you need the most.</p> <p><strong>Lack of Math Skills</strong></p> <p>Grocery stores couldn't possibly make comparing prices more confusing.</p> <p>Fortunately, most of us now carry a pocket calculator in the form of a smartphone with us wherever we go. This makes calculating unit prices much faster, and, unless you're a math whiz, probably more accurately, too. There are even a few apps that'll do all the work for you, such as <a href="https://play.google.com/store/apps/details?id=leoliang.unitpricecompare&amp;hl=en" target="_blank">Unit Price Compare</a> for Android or the <a href="https://itunes.apple.com/us/app/compareme-shopping-utility/id300814524?mt=8" target="_blank">CompareMe Shopping Utility</a> for iPhone.</p> <h2>Time: One More Thing Worth Saving</h2> <p>Once while browsing canned tomatoes, an old woman sidled up beside me.</p> <p>&quot;You can't buy those,&quot; she hissed, before telling me the same tomatoes were 25 cents cheaper at a store across town.</p> <p>I bought the tomatoes. I'm all for saving money, but we all have to decide when the savings just aren't worth <a href="http://www.wisebread.com/what-you-pay-in-time">the price of our <em>time</em></a>.</p> <p>Perfecting your grocery shopping strategy doesn't have to mean avoiding all the snacks you love or spending all weekend clipping coupons. In fact, how far you go is entirely up to you. After all, being frugal is about more than just saving money, it's about living well on less. And that, in my opinion, is all about balance.</p> <p><em>How are you saving money at the grocery store?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tara-struyk">Tara Struyk</a> of <a href="http://www.wisebread.com/why-you-pay-more-at-the-grocery-store-and-how-to-stop">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The Best Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-camping-stoves">The 5 Best Camping Stoves</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/40-restaurants-that-offer-senior-discounts">40 Restaurants That Offer Senior Discounts</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/breaking-the-bread-code-how-to-get-the-freshest-loaf">Breaking the Bread Code: How to Get the Freshest Loaf</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Food and Drink Shopping bulk shopping convenience groceries on a budget Wed, 20 Feb 2013 11:24:31 +0000 Tara Struyk 967800 at http://www.wisebread.com Extreme Couponing? 5 Reasons Why I’ll Pass. http://www.wisebread.com/extreme-couponing-5-reasons-why-i-ll-pass <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/extreme-couponing-5-reasons-why-i-ll-pass" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000015191372Small.jpg" alt="coupons! coupons! coupons!" title="coupons! coupons! coupons!" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>It&rsquo;s the latest, greatest (although that&rsquo;s debatable) topic around the water cooler. A show called &quot;Extreme Couponing&quot; highlights people who buy hundreds of dollars worth of produce from the grocery store and pay for 95% of it with free coupons. (See also: <a href="http://www.wisebread.com/50-best-deals-coupons-sites">50 Best Deals and Coupon Sites</a>)</p> <p>I hear this all the time:</p> <p>&ldquo;It was amazing! The bill came to $894, and they paid like $12 after coupons!&rdquo;</p> <p>&ldquo;Really? No way!!!&rdquo;</p> <p>&ldquo;Yeah, I&rsquo;m so doing this now!&rdquo;</p> <p>Now, is that true? Yes, it is. I have seen people walk to the counter with shopping carts full of stuff, and they only have $50 in their purse. They come out with change.</p> <p>But here&rsquo;s another truth. Your average shopper is not going to walk into a store with a bag full of coupons and walk out with their week's worth of groceries for a fraction of the price. Extreme couponing, like anything else that seems too good to be true, has a few catches involved. And they&rsquo;re not small catches either.</p> <h3>1. It&rsquo;s a Full-Time Commitment</h3> <p>You can&rsquo;t clip a few coupons on Sunday and expect your next shopping bill to be 90% less. If that were the case, everyone would do it and most manufacturers would go out of business very quickly.</p> <p>This takes a lot of time, patience, organization, research, and dedication. You have to stockpile hundreds of copies of the weekly coupon circulars. You need to know when things are going on sale and when the stores are doubling coupons. You need to know more about the products in the grocery stores than the managers of those stores. And even then, when you are that buttoned up, it&rsquo;s not what you&rsquo;d expect.</p> <h3>2. You&nbsp;Have to Stockpile a LOT of Stuff</h3> <p>All of these extreme couponing people, without exception, have filled their homes with mountains of products.</p> <p>I saw a lady buying 77 bottles of mustard because she had 77 coupons for them. My family uses maybe two bottles a year. Yours may use four per year. They may use one every month. It will still takes years to get through them all. But every time they are featured in a coupon, the bottles come home. Does anyone need hundreds of bottles of mustard? I know I don&rsquo;t.</p> <p>One woman has a grocery store in her basement, stocked with hundreds of bottles of laundry detergent, ketchup, mouthwash, toothbrushes, and all sorts of other stuff. The rest of her family comes to shop in the basement for free. Great for them. But are you prepared to devote all of your <a href="http://www.wisebread.com/15-awesome-storage-solutions-for-under-10">storage space</a> to products you never have a hope of using, just to save money?</p> <h3>3. You Become a Slave to Coupons</h3> <p>Imagine waking in the middle of the night in a cold sweat. You realize, to your horror, that you didn&rsquo;t use a coupon. It&rsquo;s double coupon day too! That means the store is actually paying you to take a bottle of Aspirin. So you drive to the store in your PJs and pick it up. Yes! A free bottle of Aspirin and 12 cents in change.</p> <p>I, for one, am not prepared to give up my life to coupons. But this is what happens. It&rsquo;s sad to say that extreme couponers are addicts. You just have to look at what they put into it and what they get out of it, plus the stress they go through if they don&rsquo;t get a coupon or spend it.</p> <p>Like any other addiction, that, to me, is not healthy. People who spend most of their time at the gym may look healthy, but they&rsquo;re addicted to the rush of the workout. And that&rsquo;s unhealthy, too. So just because they&rsquo;re saving money, it doesn&rsquo;t mean it&rsquo;s a good addiction to have. The rush they feel when they see the register start chalking up the discounts is the same rush you see on the faces of people at slot machines. They&rsquo;re hooked on savings, regardless of what it is they&rsquo;re actually saving money on.</p> <h3>4. You Spend Hours at the Grocery Store</h3> <p>Hours and hours. Way more than an average shopper. And when the time comes to check out, you&rsquo;re about to become very unpopular, because everything has to be checked out in the right order to get the maximum discounts. You may even have to split your order into separate loads to make it work. Life is short. Don&rsquo;t spend it all in the grocery buying 58 bottles of shampoo.</p> <h3>5. You Are Taking Much More Than You Need</h3> <p>Here&rsquo;s something that really got to me. On a recent episode, a woman discovered that she was basically being paid to take product out of the store. The double coupon meant that she&rsquo;d get credit back to spend on other things. That part is smart.</p> <p>But here&rsquo;s the selfish part. She cleared the store of ibuprofen. Boxes and boxes of it went into her cart. Thanks to her, no one else was getting it that day, or that week depending on when the shelves are restocked. And that happens a lot with these extreme couponers. They clear out the shelves to take advantage of coupons.</p> <p>What happens to all the stuff they take? Does it get used? Does it expire and get <a href="http://www.wisebread.com/waste-not-want-not-stop-throwing-away-your-food">thrown away</a>? Does it get given away? It&rsquo;s just consumerism gone awry. By all means, get the stuff you need for cheap or free. But 77 bottles of mustard? 100 bottles of medicine? All the canned dog food in the aisle? It&rsquo;s greed. Pure greed.</p> <p>Yes, I know I will get naysayers on this one, but this is sickening in so many ways. Watching these people devote their lives to coupons, buying more than they need, and losing sleep over a few bucks, it&rsquo;s madness.</p> <p>I&rsquo;m all for saving money and using coupons, but you can take things too far. This is just depressing.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/extreme-couponing-5-reasons-why-i-ll-pass">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/save-100s-next-month-with-these-10-grocery-shopping-tips">Save $100s Next Month With These 10 Grocery Shopping Tips</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks">5 Easiest Ways to Score Free eBooks</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-places-to-get-coupons-online">The Best Places to Get Coupons Online</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-simple-holiday-budget-anyone-can-follow">The Simple Holiday Budget Anyone Can Follow</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/double-coupons-they-could-cost-you">Double Coupons – They Could Cost You!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment Shopping bulk shopping coupons extreme couponing Mon, 16 May 2011 10:36:27 +0000 Paul Michael 541642 at http://www.wisebread.com 5 One-Size-Fits-All Spending Tips That Don’t Really Fit Everyone http://www.wisebread.com/5-one-size-fits-all-spending-tips-that-don-t-really-fit-everyone <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-one-size-fits-all-spending-tips-that-don-t-really-fit-everyone" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/latte_spending_tips.jpg" alt="Latte" title="Latte" class="imagecache imagecache-250w" width="240" height="160" /></a> </div> </div> </div> <p>It&rsquo;s a new year, and you&rsquo;re prepared for the onslaught of financial tips aimed at helping you turn over a new leaf, form a resolution, and help your finances enter a period of recovery. But what if you&rsquo;re doing OK? Is the advice necessary, relevant, or even useful? These five tips seem to be popping up EVERYWHERE, but before you drop your current successful personal finance habits in lieu of these common suggestions, make sure they will meet your personal budget needs.</p> <h3>Common Tip #1: Shred Those Credit Cards</h3> <p>This is one that is really starting to bug me. I know that for those with spending problems or who can&rsquo;t pay off their debts in a responsible way, a credit card is the ultimate in temptation. (I&rsquo;ve been there. I understand.) For those who have managed to keep their credit cards as a part of a healthy financial portfolio, however, there is no need to slice and dice your plastic.</p> <p>Small business owners and the self-employed especially will find the liquidity of a line of credit to not only be necessary at times; it can actually be profitable. By putting my groceries, gas, and small business costs on my credit cards, I earn enough points each month to easily keep my printer ink and post-it notes fully stocked. (And I never pay interest.)</p> <h3>Common Tip #2: Shop Less</h3> <p>Impulse buys can kill the budget, so it makes sense that the more shopping trips you make, the more likely you could be to spend unnecessarily. Add in the cost of fuel for your vehicle (and time away from home and family), and multiple shopping trips a week can be a bad idea. But they can also be an awesome way to realize some personal finance dreams.</p> <p>My family is hoping to store up three months of non-perishables as part of an emergency planning goal, and this can only be done by faithfully hitting our local stores to purchase their loss leaders each and every time they offer them. With limits set for the 99 cent bags of flour and 25 cent canned veggies, it&rsquo;s necessary to visit the store at least once a week in order to be sure that our family of seven has enough for the next power outage, <a href="http://www.wisebread.com/15-things-you-should-do-today-to-prepare-for-a-pandemic-flu">pandemic flu</a>, tornado, or period of ridiculous inflation. If we stay on target, buying only what we came for, it can work in our favor, and by combining trips with outings we already have scheduled, we aren&rsquo;t spending more than a few pennies for the extra fuel to drive around the parking lot.</p> <h3>Common Tip #3: Skip the Latte</h3> <p>I will never follow the &quot;<a href="http://www.wisebread.com/3-reasons-why-keeping-your-latte-factor-will-help-you-save-money">latte factor</a>&quot; &mdash; not in a million years.&nbsp;This mom of five rarely indulges in anything.&nbsp;(In fact, I&rsquo;ve never even had a manicure.) By choosing a simple lifestyle void of a single pair of designer shoes and less than two dinners out per year, you can&rsquo;t possibly deny me the right to make my own Starbucks lattes at home (via my Tassimo brewer) or to drive through the Scooter&rsquo;s Java lane on my way home from grocery shopping.&nbsp;We all have our little indulgences, and as long as my bills are paid, I&rsquo;ll continue to drink my coffee.</p> <h3>Common Tip #4: Cut the Land Line</h3> <p>This is another cliché money-saving tip that drives me to insanity. Living 10 miles from the nearest anything leaves me feeling a bit vulnerable out in the middle of rural Nebraska. My cell phone works sometimes, and my internet works less often. By asking me to cut my land line, you&rsquo;re suggesting that I&rsquo;m OK with having my access to an ambulance or police officer limited by the weather or my internet provider&rsquo;s whims. At $19 a month for a line, it&rsquo;s well worth the cost to keep it (and possibly save someone&rsquo;s life, if needed).</p> <h3>Common Tip #5: Take a Staycation</h3> <p>It think it&rsquo;s great that some people have found a way to enjoy their summer or winter break in the comfort and privacy of their own homes, without the cost of travel and with their loved ones surrounding them. When it comes to my <a href="http://www.wisebread.com/america-is-the-no-vacation-nation">vacation</a>, however, I&rsquo;m getting the heck out of town. I work from home with my husband and homeschool my five kids. There is no way I am going to fool myself into thinking that camping in the backyard or playing board games is the same as going somewhere warm and letting the kids swim while I sit down for longer than 10 minutes. I know that I&rsquo;ll pay a premium for this privilege, but I feel like it&rsquo;s worth it. For less than $1,500, I can rent a van, drive across the country, and stay in a nice family hotel with an indoor water park and buffet meals. I&rsquo;m definitely budgeting this in!</p> <p>I love that people are individuals, uniquely made to have their own gifts, passions, and personalities. I think our personal finance choices will (and should) reflect that. We&rsquo;ve already covered some of your pet-peevey <a href="http://www.wisebread.com/ask-the-readers-what-money-advice-are-you-sick-of-chance-to-win-20">financial advice that you&rsquo;re tired of hearing</a>. <em>Do you have any others?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/5-one-size-fits-all-spending-tips-that-don-t-really-fit-everyone">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-retirement-latte">The Retirement Latte</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-limits-of-small-economies">The Limits of Small Economies</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/a-money-resource-book-the-finish-rich-dictionary-book-review">A Money Resource Book: The Finish Rich Dictionary (Book Review)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-your-bad-credit-can-impact-your-kids">How Your Bad Credit Can Impact Your Kids</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/what-would-you-do-with-a-million-dollars">What Would You Do With a Million Dollars?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance bulk shopping credit card cancellation Latte Factor staycations Tue, 11 Jan 2011 13:00:10 +0000 Linsey Knerl 447995 at http://www.wisebread.com