apps http://www.wisebread.com/taxonomy/term/11591/all en-US 9 Online Forums That'll Help You Reach Your Financial Goals http://www.wisebread.com/9-online-forums-thatll-help-you-reach-your-financial-goals <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-online-forums-thatll-help-you-reach-your-financial-goals" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_on_coffee_break.jpg" alt="Girl on coffee break" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've got financial goals, but why be lonely while you're reaching them? Find your tribe! Grow your group! Commit to your community! And reach those money goals faster with the help and advice of online friends who are focused on reaching the same goals with you.</p> <h2>Goal: Get better at money</h2> <p>Start here to master the personal finance basics.</p> <h3>1. Reddit personal finance</h3> <p>If you want to start being more aware of your money and more proactive in how you manage it, you can't find a better place than <a href="https://www.reddit.com/r/personalfinance/" target="_blank">Reddit's personal finance subreddit</a>. It's an active, friendly group full of down-to-earth people sharing real advice and tips and asking for insight from others.</p> <h3>2. Mr. Money Mustache Taxes forum</h3> <p>Getting better at finance means getting at least a little bit better at understanding and managing your taxes. The <a href="https://forum.mrmoneymustache.com/taxes/" target="_blank">Mr. Money Mustache Taxes forum</a> can help. Topics vary widely with the common theme of taxes bringing them all together. You'll see threads on everything from making IRA contributions, to dealing with an inheritance, to calculating self-employment tax.</p> <h2>Goal: Invest more</h2> <h3>3. BiggerPockets forum</h3> <p>For real estate investment help and support, check out the <a href="https://www.biggerpockets.com/forums" target="_blank">BiggerPockets real estate investing forum</a>. You'll find questions, answers, and plenty of advice on the subject. Topics cover everything from real estate taxes, to investment strategies, to landlord responsibilities.</p> <h3>4. Quora Returns On Investment</h3> <p>Quora is a massive Q&amp;A website with a huge array of topics; dive into <a href="https://www.quora.com/topic/Returns-On-Investment-finance" target="_blank">Returns On Investment</a> to read questions and a variety of answers on the best methods and strategies for investing your money. You can also check out the <a href="https://www.quora.com/topic/Stock-Market-Investing" target="_blank">Stock Market Investing</a> page for even more information on investing.</p> <h2>Goal: Pay off debt</h2> <h3>5. Money Saving Expert forum</h3> <p>This is a large and active forum with many financial-themed topics. Of particular interest for your debt repayment goals are the <a href="http://forums.moneysavingexpert.com/forumdisplay.php?f=76" target="_blank">Debt-Free Wannabe</a> and <a href="http://forums.moneysavingexpert.com/forumdisplay.php?f=98" target="_blank">Mortgage-Free Wannabe</a> threads. Join hundreds of members who are working their way toward their debt-free goals. It's encouraging to know you're not alone, and you can also find advice and tips for ways to be as efficient as possible with your repayment plans.</p> <h2>Goal: Stick to a budget</h2> <h3>6. Frugal Village forums</h3> <p>How deep do you want to dive into changing your lifestyle to be a more frugal one? The <a href="http://www.frugalvillage.com/forums/forum.php" target="_blank">Frugal Village forum</a> can take you there. Topics get into detail, so you can explore the one you're most interested in. There are also several threads dedicated to specific money and frugal living challenges. For extra incentive, take on a challenge with your forum friends to cheer you on.</p> <h2>Goal: Save more money</h2> <h3>7. Tip Yourself app and community</h3> <p>The <a href="https://tipyourself.com/howitworks/" target="_blank">Tip Yourself app</a> (for iOS) gives you the option to, well, tip yourself. Forego that pricey coffee, new book, or other impulse purchase and give yourself the money instead, designating the amount in the app where you can watch the dollars in your own tip jar increase. The community feature makes this app fun to use; you can see what others are doing, comment and like their tips, and receive the same kind of encouragement for yourself. While you could easily do this yourself with a savings account, the interactive, community-oriented nature of Tip Yourself adds an element of fun that might spur you to save more than you normally would on your own.</p> <h3>8. CafeMom &mdash; The Family Piggy Bank</h3> <p>CafeMom is a popular site with all sorts of specialized groups; this particular one, <a href="http://www.cafemom.com/group/114471" target="_blank">The Family Piggy Bank</a>, brings together moms who are doing their best to save, invest, and plan for a happy financial future for their families. You can join a daily savings challenge, ask a question, or find out how other families are saving money on everything from holiday gifts, family travel, food budgets, and life insurance.</p> <h2>Goal: Increase your income</h2> <h3>9. Mr. Money Mustache Entrepreneurship forum</h3> <p>The <a href="https://forum.mrmoneymustache.com/entrepreneurship/?PHPSESSID=ofgi7a48evtpkmc8d49sivq264" target="_blank">forum on Entrepreneurship</a> at Mr. Money Mustache is active and full of advice. You'll read real stories of people who are building up their own businesses in order to increase their income. You don't have to be a full-time entrepreneur or business owner to benefit from the knowledge shared here. In fact, it's a great community to be part of for encouragement as you turn your hobby or side hustle into something more profitable.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/9-online-forums-thatll-help-you-reach-your-financial-goals">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/8-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</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-find-the-savings-strategy-that-works-for-you">How to Find the Savings Strategy That Works 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/are-you-putting-off-these-9-adult-money-moves">Are You Putting Off These 9 Adult Money Moves?</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-millennials-have-changed-money-so-far">6 Ways Millennials Have Changed Money (So Far)</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/reach-your-money-goals-faster-with-a-simple-naming-trick">Reach Your Money Goals Faster With a Simple Naming Trick</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance apps budgeting communities debt entrepreneurship forums goals investing saving money websites Tue, 19 Sep 2017 09:00:06 +0000 Annie Mueller 2022479 at http://www.wisebread.com How to Find the Savings Strategy That Works For You http://www.wisebread.com/how-to-find-the-savings-strategy-that-works-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-find-the-savings-strategy-that-works-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/young_woman_with_a_piggy_bank.jpg" alt="Young woman with a piggy bank" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Creating a savings strategy may sound like an odd concept. Saving money seems like a simple task &mdash; one that doesn't require much strategy on your part.</p> <p>But saving money, like any other financial skill, can be set up to either fit in with your psychology, lifestyle, and preferences, or go against them. And just how successful can your savings plan be if your savings strategy doesn't work for you?</p> <p>If you've ever struggled to save money, you might have been using the wrong strategy. Instead of following the same old failed savings path, try a strategy that works for you:</p> <h2>If you like getting something for nothing: Use a change jar or roundup app</h2> <p>When I was in high school, I was the person holding up every transaction by counting out exact change to the cashier, while my friend thought nothing of breaking a $20 bill. For a long time, I thought my friend was bad with money &mdash; until I learned what he did with all the loose change he gathered by breaking bills. Every few weeks, he'd take his change to the bank and deposit the money into a savings account.</p> <p>My friend's habit was an excellent way for him to set money aside. He got to avoid counting out change at every transaction (which he hated doing), and he felt like he was getting a nice financial bonus every few weeks.</p> <p>In 2017, change jars may not be as practical as they were in the 1990s, but you can consider using an app that offers a similar strategy. Apps like Acorns and Qoins recreate the feeling of throwing change in a jar. These apps round your purchases up to the nearest dollar, and use the difference to build your savings account or pay down debt. (See also: <a href="http://www.wisebread.com/everyones-using-spare-change-apps-are-they-really-worth-it?ref=seealso" target="_blank">Spare Change Apps &mdash; Are They Worth It?</a>)</p> <h2>If you like seeing progress toward a goal: Manually transfer your savings</h2> <p>Sometimes, the best motivation to do something is the same one your elementary school teacher offered: gold stars on progress charts. If this describes you, consider manually transferring money to your savings account every payday.</p> <p>This may sound counterintuitive, since so much personal finance advice suggests automating your savings so you don't have to think about it. But if you're someone who feels great about seeing the progress made on a goal, manually transferring your savings will make you excited about doing it in the first place. It will motivate you to stick with it, and maybe even put more money aside.</p> <p>In addition, actually creating a savings chart or other visual representation of your goal will help you stay on track and inspired to find more ways to save. That's because tracking your progress helps build a chain of good habits, and you want to keep that chain going until the good habits become second nature.</p> <h2>If you don't want to think about saving money: Deposit your whole paycheck into savings</h2> <p>Some people have trouble saving money, no matter how hard they try. If this describes you, why not set up your finances so that your money goes into savings <em>before </em>it hits your checking account?</p> <p>Under this system, your entire paycheck is deposited into your savings account on payday. Once a month, you'll transfer the amount you need for your regular expenses and bills into your checking account.</p> <p>When you follow this strategy, you'll automatically spend less than you earn and save money every month without having to think about it. The money has already been saved for you.</p> <p>If you correctly calculated the amount you need to cover your monthly expenses, the money in your checking account should last until the following month. If you are running short before the end of those 30 days, you can decide to move more money from your savings account, or go on a spending ban (make no unnecessary purchases until the next month begins).</p> <p>If you find that you're regularly adding a second transfer near the end of the month to make ends meet, take time to re-evaluate your expenses.</p> <h2>If you want to productively ignore your savings: Automate and use savings apps</h2> <p>Part of the problem with saving money is the fact that it becomes just another financial decision you have make. How much should you set aside? When should you make your transfer? Where will you find the money to put into savings?</p> <p>If you'd rather skip the whole task of saving money instead of answering these questions, then automation is the right savings strategy for you. Setting up an automatic transfer from your paycheck into your savings account means that you don't have to think about putting the money aside. It's a seamless transfer of your money to savings.</p> <p>Digit is one way to do this. Digit is an app that analyzes your cash flow. After syncing your accounts, about twice a week, the app will determine an amount of money ($5&ndash;$50) that is safe to transfer out of your checking account and into an FDIC-insured Digit deposit account. This is a simple way to save money without having to think about it. Digit is free for one month, and $2.99 per month thereafter. (See also: <a href="http://www.wisebread.com/5-microsaving-tools-to-help-you-start-saving-now?ref=seealso" target="_blank">5 MicroSaving Tools to Help You Start Saving Now</a>)</p> <h2>If you have trouble prioritizing yourself: Treat your savings like a bill</h2> <p>Many of us have trouble putting ourselves first, including <a href="http://www.wisebread.com/7-reasons-you-really-need-to-pay-yourself-first-seriously?ref=internal" target="_blank">paying ourselves first</a>. If you're someone who prides yourself on always paying bills on time, but who struggles to prioritize savings, then start treating your savings like a bill to pay.</p> <p>Set up a reminder to transfer money to savings on the same day you pay your other regular bills. Making &quot;savings&quot; a bill when you are paying all your other bills makes it feel like a nonnegotiable, which will help you make it a priority.</p> <h2>If saving money bores you: Create targeted savings accounts</h2> <p>If you have trouble getting excited about saving money when there is so much fun stuff you could spend your money on, you're not alone. Having money funneled into a savings account can feel pretty boring if you don't have any specific plans for the cash.</p> <p>You are much more likely to get excited about saving money if you have a set goal for your savings. This is partially due to something known as <a href="http://www.wisebread.com/mental-accounting-why-you-blow-your-tax-refund-but-not-your-raise?ref=internal" target="_blank">mental accounting</a>, which is our tendency to value money differently depending on how it is physically and mentally labeled. You might not hesitate to &quot;borrow&quot; $400 from your general savings account for a couple of tickets to Jay-Z's 4:44 tour &mdash; but taking that money from your new car fund, on the other hand, would hurt.</p> <p>Many online and traditional banks will allow you to create several targeted accounts, each with its own nickname. Taking the time to put a name to each one of your savings goals can help you save more and spend less.</p> <h2>Know thy savings self</h2> <p>Finding the best savings strategy for you starts with understanding your psychology and preferences when it comes to money. Working within those preferences makes saving money a much easier and far more satisfying prospect.</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/how-to-find-the-savings-strategy-that-works-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-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/why-your-daily-latte-wont-sink-your-retirement-savings">Why Your Daily Latte Won&#039;t Sink Your Retirement Savings</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/everyones-using-spare-change-apps-are-they-really-worth-it">Everyone&#039;s Using Spare Change Apps — Are They Really Worth It?</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-manage-your-money-no-budgeting-required">How to Manage Your Money — No Budgeting Required</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-to-come-up-with-1000-in-the-next-30-days">How to Come Up With $1,000 in the Next 30 Days</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-financial-basics-every-new-grad-should-know">The Financial Basics Every New Grad Should Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance apps automated savings budgeting expenses mental biases psychology saving money spare change strategy Mon, 18 Sep 2017 08:30:05 +0000 Emily Guy Birken 2020047 at http://www.wisebread.com 10 Smartphone Apps That Can Help You in an Emergency http://www.wisebread.com/10-smartphone-apps-that-can-help-you-in-an-emergency <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-smartphone-apps-that-can-help-you-in-an-emergency" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/afro_american_woman_calling_911.jpg" alt="Afro American woman calling 911" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>They say there's an app for everything, but the best ones are the apps that'll get you out of a bind when emergency strikes. From video doctors that can diagnose a condition over the phone, to help finding a bathroom when you've <em>really</em> gotta go, these 10 apps have your back in your time of need. (See also: <a href="http://www.wisebread.com/organize-8-key-areas-of-your-life-with-these-17-smart-apps?ref=seealso" target="_blank">Organize 8 Key Areas of Your Life With These 17 Smart Apps</a>)</p> <h2>1. First Opinion</h2> <p>If you have a medical condition that needs an expert opinion but doesn't necessarily warrant a visit to your primary care physician or a trip to the hospital, <a href="https://firstopinionapp.com/" target="_blank">First Opinion</a> can help. This chat app allows you to talk to a doctor and send photos for free &mdash; with no insurance required. In some states, an extended plan is available for $39/month that provides prescriptions, labs, diagnoses, and doctor's notes.</p> <p>&quot;There have been many times over my three years using the app that it has come in clutch, but none more so than after I developed acid reflux and started having chest pain,&quot; said one user. &quot;I was able to message my doctor within minutes and get triage that helped me make decisions about whether the pain required the ER, urgent care, or just some R&amp;R. There have been several occasions where this app has saved me money and guided me towards healthier options.&quot;</p> <h2>2. Keeper Security</h2> <p>This password manager app can ease the stress of your incapacitation or death by allowing a trusted friend and/or family member access to your important digital information &mdash; should it be required &mdash; by providing them the passwords to your important accounts. With <a href="https://keepersecurity.com/" target="_blank">Keeper Security</a>'s Emergency Access feature, you can add or remove anyone at any time and adjust the waiting period for access to the vault (you'll probably want to make sure you're not coming back any time soon before you let someone rummage through your online life; just my humble opinion), all while maintaining the highest level of privacy and encryption.</p> <h2>3. LifeSite Vault</h2> <p>You'll have all your important documents at your fingertips &mdash; insurance policies, health information, and more &mdash; via the <a href="http://www.lifesite.co/" target="_blank">LifeSite Vault app</a>, which features categorization, collaboration, and document scanning functionality. Just point and shoot to capture, organize, store, and share your important info. Like Keeper Security, users can grant access to people they trust in case they need to access information on your behalf.</p> <p>LifeSite founder and CEO put it to practice when his own dad suffered a heart attack and the hospital needed medical information in the ER. He was able to access it immediately, which saved a ton of time &mdash; and his father's life.</p> <h2>4. Visual 911+</h2> <p>Juan Cienfuegos invented <a href="http://www.triagelights.com/visual-911/" target="_blank">Visual 911+</a> after witnessing Katrina survivors signaling for help from their rooftops and wondering how anyone would see them at night.</p> <p>At its most basic, this free app serves as a flashing-light device that is not dependent on network connectivity or power from the grid. If power/networks are up, however, it will transmit an email to your &quot;lifelines&quot; &mdash; people you designate to alert when you're in peril &mdash; letting them know you are in alert status. The email includes a link to Google Maps showing your general GPS location along with instructions to hone in on you by searching for the visual signal coming from your phone. Visual 911+ features several different color-coded emergency modes for various situations, like red for children, green for people with special needs, blue for adults, yellow for pets, and white for general help.</p> <h2>5. OrthoNOW</h2> <p>Got a bum foot that renders you unable to drive yourself to the orthopedist? <a href="https://www.orthonowcare.com/free-new-orthonow-mobile-app/" target="_blank">OrthoNOW</a>, the nation's only orthopedic urgent care franchise, launched an update to its free mobile app last year which included a partnership with Uber, so patients who couldn't drive themselves to the care centers could order a ride. The feature works as an added value to the original On My Way NOW feature that lets patients notify the center that they are en route, the reason for their visit, and expected arrival time. Patients can also send photos of their injury before arrival, so doctors at the center will be prepared when they get there. They currently have centers in Florida and Georgia and soon will be expanding to new states.</p> <h2>6. Manything</h2> <p>If you can't afford an expensive home security system, <a href="https://manything.com/" target="_blank">Manything</a> might solve your problem. This app turns any old recycled smartphone with Wi-Fi capabilities and a working camera into a security device with motion detectors that will alert you via text if anything is amiss at your residence. The basic plan is free, and Cloud Recording plans start at $2.99 for two days, perfect for when you leave town for a weekend. Monthly plans are $5.99 for one camera, and $9.99 for two cameras.</p> <h2>7. Avenza Maps</h2> <p>Have you heard those stories about travelers taking wrong turns in their vehicles in national parks or the desert and getting lost for days on end before being rescued? <a href="http://www.avenza.com/pdf-maps" target="_blank">Avenza Maps</a> doesn't want that to happen to you. The app uploads high-quality maps to your phone, which rely on your phone's GPS signal instead of data or Wi-Fi, so you can access them wherever you are, regardless of signal strength. Some maps are free, while others are typically less than $5, and they're specialized for hiking, recreation, national parks, tourists, transit, and more. Once the map is on your phone, you can drop place markers, record GPS tracks, and find specific coordinates &mdash; like the nearest ranger station or hospital in an emergency.</p> <h2>8. iPee Address</h2> <p>We've all been there before: having to pee so bad it hurts, when there's no public restroom in sight. Instead of getting turned down by every store in the vicinity whose owners have zero compassion for much-needed bathroom breaks, check out the cleverly named <a href="https://www.ipeeaddress.com/" target="_blank">iPee Address</a>. For a 99-cent download fee, the app will locate the nearest available restrooms &mdash; virtually anywhere you are in the world &mdash; so you can relieve yourself in a toilet instead of the sidewalk.</p> <h2>9. Shortcut</h2> <p>&quot;Emergency&quot; is a relative concept, and I often have haircut emergencies. Like, I need to get one <em>now</em>. If you drive by a Great Clips and it's closed hours before you're serving as best man in a wedding, never fear. The <a href="https://www.getshortcut.co/" target="_blank">Shortcut</a> on-demand haircut app connects you with a barber with the flick of a finger so you can get a shape-up lickety-split.</p> <h2>10. EFynch.com</h2> <p>Many home improvement and handyman projects can wait until you identify the right contractor for the job at the right price. Sometimes, however, you need help in a jif &mdash; like when you need a hornet's nest removed or help boarding windows before a big storm.</p> <p>&quot;We have a unique system that not only seeks to find someone that is already working in your neighborhood to provide fast and efficient service, but we have developed a way to contact several available guys and obtain competitive pricing so the homeowner can hire someone who is 'happy to have the work' instead of 'eager to charge an emergency fee,'&quot; says <a href="https://www.efynch.com" target="_blank">Efynch.com</a> founder Teris Pantazes.</p> <p>The app launched in October 2016 and has completed nearly 1,000 projects to date.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-smartphone-apps-that-can-help-you-in-an-emergency&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Smartphone%2520Apps%2520That%2520Can%2520Help%2520You%2520in%2520an%2520Emergency.jpg&amp;description=10%20Smartphone%20Apps%20That%20Can%20Help%20You%20in%20an%20Emergency"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Smartphone%20Apps%20That%20Can%20Help%20You%20in%20an%20Emergency.jpg" alt="10 Smartphone Apps That Can Help You in an Emergency" 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/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-smartphone-apps-that-can-help-you-in-an-emergency">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/organize-8-key-areas-of-your-life-with-these-17-smart-apps">Organize 8 Key Areas of Your Life With These 17 Smart Apps</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</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-apps-that-actually-pay-you-to-shop">8 Apps That Actually Pay You to Shop</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-apps-that-monitor-your-credit-for-you">7 Apps That Monitor Your Credit for You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/everyones-using-spare-change-apps-are-they-really-worth-it">Everyone&#039;s Using Spare Change Apps — Are They Really Worth It?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology 911 apps emergency get help helpful apps smartphone apps Wed, 23 Aug 2017 09:00:06 +0000 Mikey Rox 2007636 at http://www.wisebread.com 5 Ways to Earn Extra Money With a Healthy Lifestyle http://www.wisebread.com/6-ways-to-earn-extra-money-with-a-healthy-lifestyle <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-earn-extra-money-with-a-healthy-lifestyle" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/morning_run_through_the_city.jpg" alt="Morning run through the city" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you made yourself a promise to eat better, exercise more, or become healthier, you'll dramatically increase your chances of success by earning some bucks every time you stick to your plan. Here's a list of apps and sites that can help you turn your healthy lifestyle into a decent side hustle.</p> <h2>1. Explore your neighborhood for job opportunities</h2> <p>Use the <a href="https://jobspotter.indeed.com" target="_blank">Job Spotter</a> app from Indeed to explore your neighborhood in search of local help wanted ads.The app gives you five to 150 points per eligible shot of help wanted ads and allows you to convert points into Amazon gift card codes (one point = one cent in Amazon credit). A stroll through your nearest mall or marketplace could help you get a couple extra dollars. Yours truly made $42.37 in Amazon gift cards in 21 days.</p> <h2>2. Bet on your fitness goals</h2> <p>With <a href="https://www.stepbet.com/" target="_blank">StepBet</a>, you can put your money where your mouth is. By placing around a $40 bet, you'll join other players in a competition to meet personalized step goals every week for the entire duration of the competition. If you hit all of your personalized goals, then you split the pot with all the others that did, as well. (See also: <a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout?ref=seealso" target="_blank">6 Apps That Pay You to Workout</a>)</p> <h2>3. Compete with friends on weight loss</h2> <p>With <a href="https://www.healthywage.com/" target="_blank">HealthyWage</a>, you can make a bet to lose a certain amount of weight over a period of time and win cash prizes. For example, if you were to bet $50 per month that it would take you up to nine months to lose 30 pounds, you could win from $500 to $1,323.53 in cash prizes.</p> <p>However, by joining forces with four more friends or relatives, you could compete for three top prizes of $10,000, $5,000, and $3,000! You just need to bet $25 per member per month for three months. To get at least your money back, you must lose at least 10 percent of your body weight within a nine-month period.</p> <h2>4. Track your weight loss goals</h2> <p>Every time you enter your weight into the <a href="https://www.walgreens.com/balancerewards/balance-rewards.jsp" target="_blank">Walgreens Balance Rewards</a> program, you'll get 20 points. With these points, you can accumulate points for dollars off your purchases at Walgreens. Every 5,000 points are redeemable for a $5 discount, but once you hit 30,000 points, you'll get bonus points (30,000 points and 40,000 points are redeemable for a $35 and $50 discount, respectively).</p> <h2>5. Walk dogs</h2> <p>Companies like <a href="https://wagwalking.com/dog-walker" target="_blank">Wag</a> and <a href="https://www.rover.com/?ref=header" target="_blank">Rover</a> are looking for individuals age 18 and over who are able to walk dogs for a few hours a day. If you're outgoing, eager to hang out with some cute pups, and looking to increase your daily step count, this is a great side gig. (See also: <a href="http://www.wisebread.com/8-ways-to-get-fit-while-hanging-out-with-animals?ref=seealso" target="_blank">8 Ways to Get Fit While Hanging Out With Animals</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-ways-to-earn-extra-money-with-a-healthy-lifestyle&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Ways%2520to%2520Earn%2520Extra%2520Money%2520With%2520a%2520Healthy%2520Lifestyle.jpg&amp;description=5%20Ways%20to%20Earn%20Extra%20Money%20With%20a%20Healthy%20Lifestyle"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Ways%20to%20Earn%20Extra%20Money%20With%20a%20Healthy%20Lifestyle.jpg" alt="5 Ways to Earn Extra Money With a Healthy Lifestyle" 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/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/6-ways-to-earn-extra-money-with-a-healthy-lifestyle">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/flashback-friday-52-things-you-need-to-know-about-hosting-on-airbnb">Flashback Friday: 52 Things You Need to Know About Hosting on Airbnb</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/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</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/11-easy-ways-to-fix-your-whole-life-this-summer">11 Easy Ways to Fix Your Whole Life This Summer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-make-800-on-month-on-ebay-selling-used-clothes">How I Make $800 on Month on eBay Selling Used Clothes</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-bodily-fluids-you-can-exchange-for-cash">5 Bodily Fluids You Can Exchange for Cash</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Health and Beauty apps extra cash extra income healthy eating healthy lifestyle living well side hustle working out Fri, 14 Jul 2017 08:31:05 +0000 Damian Davila 1984016 at http://www.wisebread.com These Apps Turn Saving Money Into a Game — Are They Worth It? http://www.wisebread.com/these-apps-turn-saving-money-into-a-game-are-they-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-apps-turn-saving-money-into-a-game-are-they-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_surprised_phone_598171710.jpg" alt="Woman turning money saving into a game" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you have two dollars in your hand, do you save it or buy a scratch-off lottery ticket? We all know that the sensible choice is to put that money right in the bank. But the reality is, at today's anemic interest rates, saving is boring. The chance of winning a prize is exciting.</p> <p>What if you could have both the long-term financial benefit of saving, and the momentary thrill of getting a chance to win a prize? Combining responsible behavior and fun is the idea behind a crop of products and services that gamify saving money.</p> <p>Let's look at the pros and cons of some of these prize-linked savings products, which allow users the chance to win money without risking any of their own.</p> <h2>1. Long Game</h2> <p>At first, <a href="https://www.longgame.co/" target="_blank">Long Game</a> sounds like the same humdrum routine. It offers a savings account that you link to your regular checking account; money you transfer to savings earns 0.1 percent interest. But here's where it gets good: Long Game rewards you for depositing money into savings with &quot;coins.&quot; You can use your coins to buy virtual lottery tickets, and the prizes are either real cash or more coins.</p> <p>One nice feature of Long Game is that it doesn't charge fees. Another aspect, which could be either a feature or a drawback, depending on your interests, is that you have to actually play games, like spinning a wheel, to win money. Personally, I don't have the time for such games and would rather get automatic entries, but for people like my grandmother who play fake online slots just for fun, this could be a plus.</p> <h2>2. Wal-Mart MoneyCard</h2> <p>Walmart's MoneyCard was already a popular way for low-income, unbanked workers to store their paycheck and pay bills. Now, it's also billing itself as a savings vehicle, with a feature called Vault that allows users to set aside money that can't be spent on purchases (unless you transfer that money back out of the Vault). Recently, Wal-Mart debuted the <a href="https://www.walmartmoneycard.com/account/prizesavings" target="_blank">Prize Savings program</a> for MoneyCard, which gives card users chances to win up to $1,000 each month. The more money you keep in the Vault, the more chances you get to win.</p> <p>This program differs from Long Game in several notable ways: One, you don't need a separate bank account to participate &mdash; MoneyCard functions as a bank account replacement. Two, money in the Vault does not earn interest. Three, MoneyCard charges several fees: a $5 monthly fee, $3&ndash;$4.95 to put money on the card, and a $2.50 fee to get cash at an ATM. Fourth, you don't have to enter the drawing &mdash; putting the money in your Vault enters you automatically.</p> <h2>3. SaveUp</h2> <p>Link your savings and debt-bearing accounts to <a href="https://www.saveup.com/" target="_blank">SaveUp</a>, and you'll be rewarded with credits not just for saving money, but also for paying down debt. The credits can be used to buy virtual lotto tickets for cash prizes, including $50 weekly drawings and a monthly chance at a $2 million &quot;super jackpot.&quot;</p> <p>SaveUp is free to join. As with Long Game, you have to actively play to win; entries are not automatic.</p> <h2>4. Save to Win</h2> <p>The only nonprofit on this list, <a href="http://www.savetowin.org/" target="_blank">Save to Win</a> rewards credit union members with weekly and monthly prize drawings; the more you deposit, the more entries you get. Prizes vary by state but generally start at $25 and can go into the thousands.</p> <p>Save to Win is currently available at select credit unions in 13 states. Once you're enrolled in Save to Win, entry is automatic, so you don't need to remember to play the game.</p> <h2>5. Tip Yourself</h2> <p>This one is not a prize-linked program, but another gamified approach to saving money. <a href="https://www.tipyourself.com/" target="_blank">Tip Yourself</a> encourages users to transfer money from their checking account into a virtual &quot;tip jar&quot; as a reward for performing a desirable activity. The &quot;tip jar&quot; is a non-interest-paying account.</p> <p>It's an interesting idea for combining savings and self-motivation. I can imagine using Tip Yourself to save for a trip or a small goal like a spa pedicure; every time you exercise, you could reward yourself by moving some money to the trip or spa fund. It doesn't cost money to make the transfer. However, since the tip jar doesn't pay interest, it seems like you would be better off setting up a money market account linked to your checking account for saving toward a goal; most banks offer that option.</p> <h2>The take-away</h2> <p>The majority of these apps share a common drawback: To use them, you have to share your bank account information, which could put your account at risk if the company gets hacked. It also calls your financial privacy into question; if you plan to use any of these, study the company's privacy policy before taking the plunge.</p> <p>Several of these apps encourage users to keep savings in accounts that don't pay interest. Even though current interest rates are low, that makes little sense to me.</p> <p>If you are a member of a credit union that offers it, using the nonprofit Save to Win is a no-brainer. It won't take you any extra time to play, and it doesn't appear that you'd sacrifice security or privacy to do so. For the rest of these apps, carefully weigh the value of your privacy, security, and any financial costs against the chance of winning before committing.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/these-apps-turn-saving-money-into-a-game-are-they-worth-it">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/everyones-using-spare-change-apps-are-they-really-worth-it">Everyone&#039;s Using Spare Change Apps — Are They Really Worth It?</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-apps-that-monitor-your-credit-for-you">7 Apps That Monitor Your Credit 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-apps-that-actually-pay-you-to-shop">8 Apps That Actually Pay You to Shop</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-10-best-couponing-apps">The 10 Best Couponing Apps</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-find-the-savings-strategy-that-works-for-you">How to Find the Savings Strategy That Works For You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology apps fees games prizes rewards saving money smartphones winning money Fri, 09 Jun 2017 09:00:10 +0000 Carrie Kirby 1960490 at http://www.wisebread.com These Apps and Extensions Find Online Deals for You — Automatically http://www.wisebread.com/these-apps-and-extensions-find-online-deals-for-you-automatically <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-apps-and-extensions-find-online-deals-for-you-automatically" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/e_commerce.jpg" alt="E-commerce" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've taken the time to find the exact item you want to buy, put it in your cart, and you're just about to check out when you notice a box labeled &quot;Promo code or coupon,&quot; just sitting there waiting to be filled in.</p> <p>If you're like me, you won't be able to complete the purchase until you've searched the web for the best available code. It's exhausting, especially for moms like me who tend to use the wee hours to shop for essentials and really just want to go to bed.</p> <p>Fortunately, Last-Minute Coupon Search Syndrome is one of the many afflictions that can be fixed with browser plugins. Try one of these free products and watch the savings roll in effortlessly. (See also: <a href="http://www.wisebread.com/8-apps-that-actually-pay-you-to-shop?ref=seealso" target="_blank">8 Apps That Actually Pay You to Shop</a>)</p> <h2>Honey</h2> <p>This browser plugin, which promises to automatically add the best available coupon at checkout and find deals on Amazon, has been heavily advertised as a big money-saver. But does it really work? People seem to love <a href="https://www.joinhoney.com/" target="_blank">Honey</a>. It has five stars on the Google Chrome store, and even my brother-in-law called me up to recommend it. So I downloaded it myself to check it out. It's also available for Firefox.</p> <p>We were almost out of cat food, so I headed to Amazon to search for a deal. I quickly found a sale price that I thought was pretty good. Sure enough, I noticed Honey's logo on the product page, with the words, &quot;Best Deal.&quot; Then I hunted for a new pair of Crocs for my daughter, and found some for $34 &mdash; but Honey told me I could pay $4 less by getting them from a different Amazon seller.</p> <p>Finally, I tried Honey's coupon code feature. I went to an online pet store and put some flea drops for the cats in my cart. The front of the website advertised a 15 percent off coupon code, but I didn't type it in, hoping that Honey could hook me up with something better. But nothing happened. I located Honey's button at the top of my browser and clicked it, only to be told that Honey was disabled because I'd clicked to the site form &quot;a coupon website.&quot; I had, in fact, clicked over from the American Airlines AAdvantage store. So take note that double dipping is not allowed.</p> <p>I waited a few minutes, opened a new browser tab, and tried my purchase again. This time, Honey found me a 20 percent off coupon, which was indeed better than the advertised coupon code on the front of the site.</p> <p>After my brief experience shopping with Honey, I was convinced that the reviews were correct. From now on, I'm a user.</p> <h2>Invisible Hand</h2> <p>As happy as I was for Honey to find me the best coupon codes, I couldn't help wondering if I might find a better deal at a different store altogether. That's where <a href="http://www.getinvisiblehand.com/" target="_blank">Invisible Hand</a> promises to help.</p> <p>Another thing I needed is a new printer, so I searched for one on Amazon. I had installed the Invisible Hand extension &mdash; which is available for Chrome, Firefox, and Safari &mdash; but when I pulled up a product page, and even put the printer in my cart, the plugin didn't do anything. I checked back with the site to figure out why, and learned that this service is still in beta, and Amazon is one of the retailers it doesn't cover yet.</p> <p>I tried searching for a printer on multiple sites, but Invisible Hand never popped up to tell me where to find a better deal. I was, however, able to search for the printer I wanted by clicking the Invisible Hand button at the top of my browser and typing the model number into the search window, which brought up a list of prices at various stores.</p> <p>My conclusion on this app is that it's one to watch, but not ready for prime time yet.</p> <h2>Slice Watch</h2> <p>The previous plugins cover coupons and store-to-store comparisons, but what if you want to wait until something goes on sale before you buy it? That's when you need <a href="http://slice-watch.slice.com/" target="_blank">Slice Watch</a>. Created by Slice, a company that will sort through your email and keep track of all your purchases, the Slice Watch Chrome extension will notify you when prices drop.</p> <p>I have been meaning to get a new case for my phone, but it's not urgent. So I pulled up the product page for a cute-looking <a href="http://amzn.to/2sG8krC" target="_blank">Otterbox case</a> on Amazon, and then clicked the Slice Watch button at the top of my browser to add it to my Slice Watch List. Now the company can let me know if the price drops. It also told me that the product costs about $4 more at NewEgg, which was nice to know.</p> <h2>Are they worth it?</h2> <p>So now I have three little icons at the top of my browser, waiting to help me shop. Going forward, I'm going to keep using all three, unless any of them noticeably slow down my browsing. Beyond saving me money, I hope these apps will speed up my online shopping trips, because I could really use some shut-eye.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/these-apps-and-extensions-find-online-deals-for-you-automatically">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/10-classic-impulse-buys-we-need-to-stop-falling-for">10 Classic Impulse Buys We Need to Stop Falling For</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/8-college-perks-you-might-be-missing-out-on">8 College Perks You Might Be Missing Out On</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-smart-shoppers-will-save-at-amazons-whole-foods">How Smart Shoppers Will Save at Amazon&#039;s Whole Foods</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cheat-sheet-retail-markup-on-common-items">Cheat Sheet: Retail Markup on Common Items</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping apps coupon codes plugins promo codes shop smart shopping hacks shopping tips Thu, 08 Jun 2017 08:00:15 +0000 Carrie Kirby 1961855 at http://www.wisebread.com Everyone's Using Spare Change Apps — Are They Really Worth It? http://www.wisebread.com/everyones-using-spare-change-apps-are-they-really-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/everyones-using-spare-change-apps-are-they-really-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shopping_woman.jpg" alt="Shopping woman" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Dad had one. His grandfather had one, too. And today, despite using credit cards for most transactions, I, too, have a change jar sitting on my dresser.</p> <p>As people shift from cash transactions to paying for everything with credit cards, debit cards, and even their phones, is the opportunity to invest &ldquo;spare change&rdquo; lost? Not if you try one of these <a href="http://www.wisebread.com/with-micro-investing-your-smartphone-pays-you?ref=internal" target="_blank">micro-investing apps</a> that purport to effortlessly grow your savings. Let's review some of the most popular apps, including their pros and cons.</p> <h2>1. Acorns</h2> <p><strong>What it does</strong>: After you link one or all of your credit cards to your account, <a href="https://www.acorns.com/">Acorns</a> rounds up each purchase to the nearest dollar and takes the difference from your checking account. (See also: <a href="http://www.wisebread.com/heres-what-i-learned-about-money-after-using-acorns?ref=seealso" target="_blank">Here's What I Learned About Money After Using Acorns</a>)</p> <p><strong>Cost</strong>: Free for college students for four years, $1 per month for others; 0.25 percent for accounts of $5,000 or more.</p> <p><strong>The good</strong>: Automatic saving is great because you don&rsquo;t have to remember to do it. Your investment account is auto-managed in ETFs (exchange-traded funds), so the money that grows there will feel like pennies from heaven.</p> <p>Partners including Jet, Airbnb, and Hulu have agreed to give Acorns users cash back, which they deposit straight into your account. Free money, people!</p> <p><strong>The bad</strong>: If you are only investing a few dollars a month, that $1 management fee could turn out to be an outrageously high percentage of your investment. Also, if your bank account tends to run low, the money this app withdraws could cause an overdraft and cost you a nasty fee.</p> <h2>2. Stash</h2> <p><strong>What it does</strong>: <a href="https://www.stashinvest.com/start-investing/wisebread">Stash</a> is simply an ETF investing app, but unlike stockbrokers who require a $1,000 or larger initial investment, Stash keeps the initial investment threshold at just $5. Pre-arranged portfolios have cute names like &ldquo;The Activist,&rdquo; to help people with no interest in financial jargon figure out what funds to buy. The Auto Stash feature will periodically transfer a predetermined amount of money from a linked bank account.</p> <p><strong>Cost</strong>: $1 per month for balances under $5,000; 0.25 percent per year after that (which starts at $12.50 per year for $5,000).</p> <p><strong>The good</strong>: If not knowing what to invest in or not having enough money to buy into a mutual fund was keeping you from investing, user-friendly Stash could be a good jump start. It could be a good way for kids or young adults to experiment with investing on a small scale.</p> <p><strong>The bad</strong>: As with Acorns, the $1 a month fee is actually quite expensive for small account balances. Then there&rsquo;s the question of whether you&rsquo;re getting good advice on what to invest in. The funds currently offered on Stash have a relatively high expense ratio, meaning that, market performance being equal, other funds might yield more money to the investor after fees. And Stash doesn&rsquo;t auto-balance your investments over time like other <a href="http://www.wisebread.com/should-you-trust-your-money-with-these-4-popular-financial-robo-advisers?ref=internal">robo-advisers</a>.</p> <p><strong>Special offer:</strong> Want $5 to get started? Use our referral link: <a href="https://www.stashinvest.com/start-investing/wisebread"><strong>Sign up for Stash and get $5 to start investing today!</strong></a></p> <h2>3. Qoins</h2> <p><strong>What it does</strong>: <a href="https://qoins.io/">Qoins</a> skims the &ldquo;change&rdquo; from transactions, and then uses that change to pay off debt. The company estimates that most people end up paying down an extra $40 in debt each month they use Qoins.</p> <p><strong>Cost</strong>: Quoins deducts $1.99 from each monthly payment sent out on your behalf. If your monthly total is less than $20, Quoins won&rsquo;t send out a debt payment and won&rsquo;t charge you; instead it will roll over your accumulated spare change into the next month&rsquo;s payment.</p> <p><strong>The good</strong>: If you&rsquo;ve got high-interest loans, you can probably save more in interest by chipping away at debt than you could earn from saving at today&rsquo;s low interest rates. And unlike investing, paying off debt is risk free.</p> <p><strong>The bad</strong>: Again, that fee is going to erode gains. Paying $500 extra each year on a student loan might save you $25 in interest, but the app costs nearly $24 a year to use. You could achieve the same benefit for free by setting your monthly automatic loan payment $40 higher.</p> <h2>4. Debitize</h2> <p><strong>What it does</strong>: Aiming to help people avoid credit card debt, <a href="https://debitize.com/">Debitize</a> links your checking account to your credit card and makes a checking withdrawal every time you make a credit card charge. Then it pays your monthly credit card bill with the money it withdrew. The end result is the ability to use a credit card like a debit card.</p> <p><strong>Cost</strong>: Free.</p> <p><strong>The good</strong>: At first it&rsquo;s hard to grasp the point of Debitize. I mean, if you want to pay for all your purchases at the time you make them, you could simply stick to a debit card, a choice millions of conservative spenders make.</p> <p>However, Debitize positions itself as a way for previous debit users to take advantage of all those rich credit card rewards out there, and build their credit score, while avoiding the risk of getting into credit card debt. I can imagine this as a training wheels program for people who have had trouble with credit card debt before. (See also: <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=seealso" target="_blank">The Fastest Way to Pay Off $10,000 in Credit Card Debt</a>)</p> <p><strong>The bad</strong>: To me, this service would add an unnecessary layer of complexity to life. It doesn&rsquo;t offer to increase my savings or cut my expenses, just to save me from myself by putting aside money to pay my bills.</p> <h2>5. Digit</h2> <p><strong>What it does</strong>: Instead of focusing on transactions, <a href="https://digit.co/">Digit</a> analyzes your checking account inflow and outflow. Every day that it judges you can afford to, it moves a little money from your checking to an FDIC-insured savings account.</p> <p><strong>Cost</strong>: $2.99 per month.</p> <p><strong>The good</strong>: Digit's &ldquo;no overdraft&rdquo; promise means that if a transfer causes your account to go negative, it&rsquo;ll cover the fee. It&rsquo;s also nice that Digit will allocate your savings toward goals of your choice, such as a rainy day fund or a new TV.</p> <p><strong>The bad</strong>: When you save and invest, your money is supposed to grow. But unless you&rsquo;re saving large amounts each month, your savings may shrink a bit with Digit. Digit is putting your money in a savings account on your behalf, and paying you a 1 percent annual &ldquo;savings bonus,&rdquo; broken into four quarterly payments &mdash; which is not a bad rate. But it also charges $2.99 per month. So if you invest $1,000 over the course of the year through Digit, you&rsquo;d earn $10 in interest, but pay $35.88 in fees.</p> <h2>6. Change</h2> <p><strong>What it does</strong>: <a href="https://gochange.co/intro/s/4?tk=AF78188" target="_blank">Change</a> monitors all your transactions and texts you with reminders and suggestions for wiser money management. For example, the app might point out how much you&rsquo;ve paid over the course of a year for a service you forgot you were signed up for.</p> <p>Change also offers &ldquo;auto saving&rdquo; which, like Digit, analyzes your account and transfers money it thinks you don&rsquo;t need to a separate account that pays you &ldquo;savings bonuses&rdquo; instead of interest. The standard bonus rate (like today&rsquo;s interest rates) is low at 3 percent, but you can increase your rate by referring friends to sign up for the auto-save service.</p> <p><strong>Cost</strong>: Free.</p> <p><strong>The good</strong>: Fans of the app appreciate getting insight that they would not have gleaned on their own. Unlike the other apps in this post, which focus on saving in small increments, Change is looking to change big picture and long-term behavior. Its impact on your savings efforts could be huge.</p> <p><strong>The bad</strong>: If you already get a lot of texts, having your phone start notifying you when you've spent too much money could be annoying.</p> <h2>The takeaway</h2> <p>One drawback to all of these accounts is that they focus on adding money to after-tax accounts. If you are earning income, you should really focus on contributing to your tax-advantaged retirement account. That said, if you&rsquo;re already paying into your retirement fund, one of these apps could be a way to contribute to a rainy day fund, or to chip away at debt.</p> <p>Another concern that applies to all of these apps is that you're inviting a second or third company to peruse and make use of your financial data, meaning that your privacy and the security of your accounts could be diminished. Of course, each app has reassurances on its website about how great its data security is, but hacks happen. Before handing over your account information to any service provider, make sure you understand how it plans to handle your data.</p> <p>Personally, I don&rsquo;t like paying fees. I don&rsquo;t dump my real change jar into one of those machines that charges a fee to turn it into folding money, and I wouldn&rsquo;t pay a monthly fee for a company to make micro-withdrawals from my checking account for me. Instead, I&rsquo;d be inclined to emulate their effect for free by setting my checking account to autodeposit a set amount of money into savings or an investment account.</p> <p>If you value novelty and convenience over a buck or three a month, and you have never invested before, any of these apps might help jump start your savings and investment career. If that&rsquo;s you, take one of them for a spin. But be sure to re-evaluate after six months or so to see if you&rsquo;re getting enough value from your monthly fee, or if you&rsquo;re ready to graduate to another form of saving and investing.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/everyones-using-spare-change-apps-are-they-really-worth-it">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/these-apps-turn-saving-money-into-a-game-are-they-worth-it">These Apps Turn Saving Money Into a Game — Are They Worth It?</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-find-the-savings-strategy-that-works-for-you">How to Find the Savings Strategy That Works 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/9-online-forums-thatll-help-you-reach-your-financial-goals">9 Online Forums That&#039;ll Help You Reach Your Financial Goals</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-apps-that-monitor-your-credit-for-you">7 Apps That Monitor Your Credit for You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology acorns apps cons debitize digit fees micro investing pros qoins saving money spare change stash Mon, 05 Jun 2017 08:30:13 +0000 Carrie Kirby 1957903 at http://www.wisebread.com 6 Millennial Money Habits Every Retiree Should Learn http://www.wisebread.com/6-millennial-money-habits-every-retiree-should-learn <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-millennial-money-habits-every-retiree-should-learn" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-589447046.jpg" alt="Learning millennial money habits retirees should strive for" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>When it comes to money matters, Millennials don't always get a good rap. These young adults are likely to view themselves in good financial health so long as they make the bills at the end of the month, let alone stow a little extra away for retirement. But don't mistake them as financial illiterates. In fact, there are some common ways Millennials handle their money that could benefit the older generations. (See also: <a href="http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far?ref=seealso" target="_blank">6 Ways Millennials Have Changed Money So Far</a>)</p> <h2>1. Get Creative</h2> <p>As retirees age, their expenditures fall &mdash; but their <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2498185" target="_blank">income drops even faster</a>. Perhaps retirees, who are unlikely to jump back into the traditional workforce due to a suddenly trickling cash flow, can benefit from some Millennial-style money tactics. Indeed, Millennials know how to get creative when it comes to their earnings. The old rules simply didn't apply to this generation of '80s and '90s babies that entered adulthood during the uncertainty of the financial recession. So, they made their own rules. They found their own innovative ways to survive. And now, as they continue to develop a distinctly entrepreneurial spirit, many Millennials are beginning to thrive.</p> <p>More than any other generation, Millennials have embraced the <a href="http://www.wisebread.com/5-fun-ways-the-sharing-economy-helps-you-save-on-vacation?ref=internal" target="_blank">sharing economy</a>, in which a lawn mower, <a href="http://www.wisebread.com/how-to-make-more-money-as-an-uber-driver?ref=internal" target="_blank">their car</a>, or a <a href="http://www.wisebread.com/the-11-best-websites-for-renting-your-extra-space?ref=internal" target="_blank">spare bedroom</a> can become a valuable source of revenue. The average Airbnb host earns more than $20,000 a year renting out a full, two-bedroom apartment or house in a major city, and this is exactly the kind of peripheral revenue stream that Millennials have become accustomed to seeking out for themselves.</p> <p>When it comes to ride-sharing, 21% of Millennials have used user-powered programs like Lyft and Uber to save money while on vacation. Among other age groups, those numbers are much lower &mdash; 7% for Gen-Xers and 4% for Baby Boomers. For older retirees, the percentage is presumably even lower. Yet <a href="https://www.bls.gov/opub/btn/volume-5/spending-patterns-of-older-americans.htm" target="_blank">transportation is a significant expense</a> for most retirees, and it's one that could potentially be lowered through the use of ride-sharing &mdash; not only during a vacation, but on a daily basis. Older households spend about $8,000 a year on transportation, ranging from a high of $9,321 for the 55 to 64 age group, to a low of $5,091 for the 75-and-older group, according to federal data.</p> <h2>2. Don't Buy Stuff, Spend on Experiences Instead</h2> <p>Millennials highly value experiences &mdash; concerts, yoga festivals, French lessons, surf lessons, palm readings, trips to Italy &mdash; and they are increasingly willing to fork over more and more money to get them. All told, 78% of Millennials would choose to spend money on a <a href="http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things?ref=internal" target="_blank">desirable experience</a> or event over buying something desirable, and 55% of Millennials say they're spending more on events and live experiences than ever before, according to a 2015 study by Eventbrite. What's more, nearly eight in 10 Millennials say some of their best memories are from an event or live experience they attended or participated in, while 69% say attending live events and experiences make them more connected to other people, the community, and the world.</p> <p>As it turns out, there's scientific evidence to support the idea that people of all ages who spend money on experiences rather than things have a greater shot at attaining happiness. More than stuff, experiential pursuits promote greater happiness, psychologists have found. Perhaps painting lessons, bowling clubs, and a little international travel might also hold the key to a happy retirement.</p> <h2>3. Save Like You Mean It</h2> <p>A recent survey by T. Rowe Price found that 67% of Millennials will save by any means necessary. One reason might be this: It's reassuring to have a stash of cash available for emergencies, and this fact very well may be a major motivator for young adults who came of age during the recession, when jobs were scarce and layoffs were commonplace.</p> <p>Older generations could benefit from that same mentality. Saving by any means necessary, as if the financial future was completely uncertain, will help build up a money cushion should the worst actually happen.</p> <h2>4. Embrace Technology</h2> <p>Millennials are famously tech-savvy, and they're using their familiarity with mobile apps to track their investments, as well as their spending and saving habits, in real time. Tools like <a href="https://www.mint.com/" target="_blank">Mint</a> and <a href="https://digit.co/" target="_blank">Digit</a> make financial planning quick and easy, while <a href="https://www.acorns.com/">Acorns</a> helps Millennials automatically invest their spare change into a diversified and customizable portfolio. There are money-saving apps specific for grocery shopping, <a href="http://www.wisebread.com/the-10-best-couponing-apps?ref=internal" target="_blank">couponing</a>, freelancing, and so much more. (See also: <a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really?ref=seealso" target="_blank">7 Apps That Make Budgeting Fun &mdash; No Really!</a>)</p> <p>While retirees generally lag in technological proficiency, there's been great improvement in recent years. All told, <a href="http://www.pewinternet.org/2015/06/26/americans-internet-access-2000-2015/" target="_blank">58% of people 65 and older</a> go online, according to the Pew Research Center, which marks an impressive increase from 14% in 2000. The app and website <a href="https://lifereimagined.aarp.org/" target="_blank">Life Reimagined</a> by AARP is one example of a highly-rated financial and social planning tool for retirees of all ages.</p> <h2>5. Volunteer in Exchange for Free Tickets</h2> <p>Americans 55 and older spend <a href="https://www.bls.gov/opub/btn/volume-5/spending-patterns-of-older-americans.htm" target="_blank">5.3% of their budget</a> on entertainment, which is slightly more than the entertainment spending of all Americans, according to U.S. Bureau of Labor Statistics. Perhaps older Americans could benefit from this tip straight out of the Millennial playbook: A little volunteer work can go a long way to get you access to concerts, festivals, and sporting events. Many theaters, stadiums, and festival grounds offer volunteers free tickets to events in exchange for some time spent charitably directing parking or ushering the aisles.</p> <h2>6. Talk It Out</h2> <p>Millennials are markedly open when it comes to discussing their financial woes, worries, and successes. Not only are they quick to seek expert advice, but they are also undeterred from engaging in frank financial talks with friends, spouses, parents, co-workers, and others. Retirees who come from a generation that largely believed that it's rude to talk about money in public could learn from the younger generation's fiscal transparency. Experts say that open conversations about finances can help save relationships, <a href="http://www.wisebread.com/5-money-conversations-every-couple-should-have?ref=internal" target="_blank">especially intimate ones</a>. They can also lead to people to better address their financial concerns, which can help prevent financial crises from building up later on down the road.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-millennial-money-habits-every-retiree-should-learn">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/tiny-nestegg-retire-abroad">Tiny Nestegg? Retire abroad!</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-things-millennials-can-learn-about-saving-money-from-gen-x">5 Things Millennials Can Learn About Saving Money From Gen-X</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-find-the-savings-strategy-that-works-for-you">How to Find the Savings Strategy That Works For You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-online-forums-thatll-help-you-reach-your-financial-goals">9 Online Forums That&#039;ll Help You Reach Your Financial Goals</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/6-ways-you-can-cut-costs-right-before-you-retire-0">6 Ways You Can Cut Costs Right Before You Retire</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Retirement apps baby boomers gen x generations millennials money habits retirees saving money sharing economy volunteering Tue, 14 Mar 2017 11:00:11 +0000 Brittany Lyte 1906388 at http://www.wisebread.com Organize 8 Key Areas of Your Life With These 17 Smart Apps http://www.wisebread.com/organize-8-key-areas-of-your-life-with-these-17-smart-apps <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/organize-8-key-areas-of-your-life-with-these-17-smart-apps" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-540566958.jpg" alt="Woman organizing her life with smart apps" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>There's no doubt the phone in your pocket is a great time killer while in a crowded waiting room, but the truth is that smartphones are actually amazing little tools that can really improve your productivity &mdash; both personally and professionally. Here are eight tasks you can do on your phone, with the help of 17 apps, that will help you organize your life and even boost your savings account with almost no effort on your part. (See also: <a href="http://www.wisebread.com/the-10-best-productivity-apps-for-really-busy-people-like-you?ref=seealso" target="_blank">10 Great Productivity Apps for Really Busy People Like You</a>)</p> <h2>Track Your To-Do List</h2> <p>Skip the Post Its, notepads, and notes scribbled on napkins. Take your pick of task management apps, depending on how simple or robust you'd like it. Some will integrate with your calendar while others can be shared with friends and family. Find the one that will keep you on task and ditch the pen and paper for good.</p> <h3>1. Wunderlist</h3> <p><a href="https://www.wunderlist.com/" target="_blank">Wunderlist</a> allows you to create to-do lists, set due dates and reminders, and even assign to-dos for others.</p> <h3>2. Todoist</h3> <p><a href="https://itunes.apple.com/us/app/todoist-todo-list-for-organizing-work-and-errands/id572688855?mt=8" target="_blank">Todoist</a> manages all of your projects &mdash; both personal and professional. You can also seamlessly manage all your tasks and events from any device.</p> <h3>3. Any.do</h3> <p><a href="https://itunes.apple.com/us/app/any-do-to-do-list-calendar-reminders-tasks/id497328576?mt=8" target="_blank">Any.do</a> lets you link your calendar and to-do lists, so you always know what's coming up. You can set reminders for both so you never lose track of deadlines again.</p> <h2>Log Your Time</h2> <p>Have you ever wondered how much time you waste every day on things like social media or TV? The first step to managing your time effectively is understanding how your time is currently being spent, and where it's being wasted. Use a time tracker app to determine where your time is going. Some apps will work in the background, automatically gathering data on where you spend your time, whereas others allow you to manually select activities.</p> <h3>4. Awesome Time Logger</h3> <p><a href="https://itunes.apple.com/us/app/awesome-time-logger-free/id663656917" target="_blank">Awesome Time Logger Free</a> features an intuitive interface that allows you to quickly track and log your time throughout the day and get custom reports that you can use to improve productivity.</p> <h3>5. My Hours</h3> <p><a href="https://myhours.com/#features" target="_blank">My Hours</a> works as a stop watch, tracking time you spend on each task. The app also allows you to assign billing to hours if you are a freelancer or contractor.</p> <h3>6. Toggl</h3> <p>While <a href="https://toggl.com/features" target="_blank">Toggl</a> is an ideal time tracker for teams, it's also great for individuals seeking an easy way to track time spent on tasks and bill accordingly.</p> <h2>Take Notes</h2> <p>There are few things more frustrating than needing to jot something down, and not having a pen and paper to do so. But luckily, this is 2017, and you no longer need traditional writing tools to record your thoughts. Note taking apps have moved way beyond just allowing you to type a few words on a file. Some allow you to create useful filing systems, set reminders, collaborate and share with others, and include everything from links to photos to screenshots.</p> <h3>7. Evernote</h3> <p><a href="https://evernote.com/" target="_blank">Evernote</a> lets you create full project to-do lists that can be shared across multiple platforms.</p> <h3>8. Google Keep</h3> <p><a href="https://keep.google.com/u/0/" target="_blank">Google Keep</a> allows you to take quick notes, add lists, photos, and voice memos to track your every thought. Seamless integration with Google Docs makes it easy to turn those quick notes into longer documents.</p> <h2>Organize Your Projects</h2> <p>You're busy. I'm busy. We're all endlessly busy. Sometimes we don't even know where to start, when to stop, and how much to do. Use time management apps that will allow you to schedule your tasks throughout your day.</p> <h3>9. Trello</h3> <p><a href="https://trello.com/platforms" target="_blank">The Trello</a>&nbsp;app helps you create &quot;boards&quot; for all the projects you're currently working on and lets you easily add notes, to-do lists, photos, videos, and even customized workflows for your projects.</p> <h3>10. Asana</h3> <p><a href="https://asana.com/" target="_blank">Asana</a> lets you track projects from start to finish, and easily chat with project collaborators as you go along.</p> <h2>Protect Your Passwords</h2> <p>In an era of cyber security breaches and identity thieves running amok with personal information, protecting passwords has become serious business. You want to make sure your passwords don't all match, are not easy to guess, and are updated frequently enough to protect yourself from data hacks. But you also need a way to remember or access all those secure passwords! There's an app for that.</p> <h3>11. Keeper</h3> <p><a href="https://keepersecurity.com/" target="_blank">Keeper</a>&nbsp;creates, organizes, and auto-fills strong passwords on your behalf for all your accounts.</p> <h3>12. LastPass</h3> <p><a href="https://www.lastpass.com/" target="_blank">LastPass</a> keeps all of your precious passwords in one safe space, and alerts you to any duplicate passwords that may put you at risk for being hacked.</p> <h2>Control Your Documents</h2> <p>Even after signing up for paperless delivery for all our accounts, we still can't escape the daily receipts, business cards, and other documents that we end up collecting on a daily basis. Use an app to quickly scan and file these away.</p> <h3>13. Shoeboxed</h3> <p><a href="https://www.shoeboxed.com/" target="_blank">Shoeboxed</a>&nbsp;lets you scan receipts and business cards, track mileage, and even send expense reports with receipt images attached.</p> <h2>Save Effortlessly</h2> <p>If you've made it a financial priority to build up your savings accounts in 2017, you know it can take time and due diligence to make it happen. Personal finance apps help you manage your money, pay your bills on time, and also effortlessly save money.</p> <h3>14. Acorns</h3> <p><a href="https://www.acorns.com/" target="_blank">Acorns</a> automatically funds your savings for you by rounding up your purchases and adding the change to your Acorns savings account. They'll even invest the &quot;change&quot; for you so you can potentially make much more than what your savings account is currently paying. (See also: <a href="http://www.wisebread.com/heres-what-i-learned-about-money-after-using-acorns?ref=seealso" target="_blank">Here's What I Learned About Money After Using Acorns</a>)</p> <h3>15. Digit</h3> <p><a href="https://itunes.apple.com/us/app/digit-save-money-automatically-without-a-budget/id1011935076?mt=8" target="_blank">Digit</a> is the perfect savings sidekick. Once you link the app to your checking account, Digit analyzes your spending and sets aside small amounts of cash to save. (See also: <a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more?ref=seealso" target="_blank">Can a Robot Called Digit Really Help You Save More?</a>)</p> <h2>Schedule Appointments</h2> <p>Tired of having to open up your calendar each time a meeting request comes in via email or text? Integrate your emails and even your text messages with your favorite calendar app to see everything in one place.</p> <h3>16. Gyst</h3> <p>Quickly determine potential meeting dates with <a href="http://gystapp.com/" target="_blank">Gyst</a>, both with friends and business colleagues by linking your text messages and emails with your calendar.</p> <h3>17. Handle</h3> <p><a href="https://itunes.apple.com/us/app/handle-to-do-list-inbox-and-calendar-management/id766063605?mt=8" target="_blank">Handle</a> does just what it says and handles your life by linking your emails, to-do lists, and calendar, so you always know what's expected of you and where you need to be.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Forganize-8-key-areas-of-your-life-with-these-17-smart-apps&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FOrganize%25208%2520Key%2520Areas%2520of%2520Your%2520Life%2520With%2520These%252017%2520Smart%2520Apps.jpg&amp;description=Organize%208%20Key%20Areas%20of%20Your%20Life%20With%20These%2017%20Smart%20Apps"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Organize%208%20Key%20Areas%20of%20Your%20Life%20With%20These%2017%20Smart%20Apps.jpg" alt="Organize 8 Key Areas of Your Life With These 17 Smart Apps" 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/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/organize-8-key-areas-of-your-life-with-these-17-smart-apps">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/10-smartphone-apps-that-can-help-you-in-an-emergency">10 Smartphone Apps That Can Help You in 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/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</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/7-tools-and-gadgets-your-smartphone-can-replace">7 Tools and Gadgets Your Smartphone Can Replace</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/10-dumb-little-productivity-killers-you-need-to-stop-doing-today">10 Dumb Little Productivity Killers You Need to Stop Doing Today</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/6-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Organization Technology apps apps you need organization productivity smartphone apps tech news time management Fri, 03 Mar 2017 10:30:38 +0000 Kyle James 1901984 at http://www.wisebread.com 11 Ways Freelancers and Telecommuters Can Make Friends and Network http://www.wisebread.com/11-ways-freelancers-and-telecommuters-can-make-friends-and-network <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-freelancers-and-telecommuters-can-make-friends-and-network" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-528577668.jpg" alt="Freelancers learning how to make friends and telecommute" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Working from home can be a great thing. It allows you to work where you want, when you want, and has a number of other perks. However, it can be a bit lonely. Luckily, with the power of the Internet (and some motivation to get out and socialize), even those without an office water cooler to mill around can network and make new friends.</p> <h2>Networking Resources</h2> <p>Working off-site can take a toll on your professional network. To build your reputation, find mentors and collaborators, and connect with people in your industry, take advantage of some of the following networking resources. (See also: <a href="http://www.wisebread.com/15-simple-networking-tricks?ref=seealso" target="_blank">15 Simple Networking Tricks</a>)</p> <h3>1. LinkedIn</h3> <p>LinkedIn is one of those most common, popular ways to build and maintain professional relationships. It makes it so easy to network online with other professionals in your field. You can also use LinkedIn to find networking events and opportunities in your area, or connect you with organizations you are interested in.</p> <h3>2. Shapr</h3> <p><a href="http://www.shapr.co/" target="_blank">Shapr</a> is an app that can connect you with like-minded people, allowing you to swipe left (pass) or right (interested) on your connections. You can set your favorite ways to meet, your passions and interests, and what you're looking for (collaborators, job opportunities, inspiration, potential investments, or new friends).</p> <h3>3. Work Your Existing Connections<strong> </strong></h3> <p>Ask friends, past and current co-workers, or even your employer for recommendations on local networking events or seminars. Most cities have their own organizations that specialize in these types of events for working professionals of all kinds. If you can't find any from asking around, try a Google search, LinkedIn, or social media.</p> <h3>4. Take Classes</h3> <p>Consider taking a night class. In addition to growing your skills or teaching you something brand-new, you might befriend some fellow classmates along the way. Even online classes can connect you with new people with similar interests or background in your field.</p> <h3>5. Volunteer</h3> <p>Research some local organizations that could use a hand, and offer your time. Not only will you be contributing to a worthy cause, but you'll also be gaining experience (which looks great on a resume), expanding on your skill set, and of course, meeting new people. Volunteering allows you to become part of a community, which is a great way to expand your network.</p> <h2>Friendship Resources</h2> <p>If you don't get out much, maybe you should start! In the meantime, your smartphone or computer can also be the perfect friendly matchmaker.</p> <h3>6. Bumble BFF</h3> <p><a href="https://bumble.com/en-us/about" target="_blank">Bumble</a> was originally a dating app, but has expanded to include a &quot;Bumble BFF&quot; feature. Instead of swiping left or right on potential dates, you'll do the same for potential friends. Once you're paired with a new friend, you have only 24 hours to start a chat, so procrastinators and fair-weather friends aren't welcome.</p> <h3>7. Atleto</h3> <p>If you're looking for a workout buddy, then <a href="http://www.atletosports.com/#what" target="_blank">Atleto</a> can help you find local sports activities and fellow fitness enthusiasts. The app can connect you with friends from your existing social media accounts, or you can find new friends in your area. This is a fun way to find an accountability buddy to help you reach your fitness goal.</p> <h3>8. Friender</h3> <p><a href="https://frienderapp.com/" target="_blank">Friender</a> allows you to swipe left or right on potential connections. You'll create a profile based on personal interests and activities you enjoy, and Friender will recommend a few folks with mutual interests. This app is only for making friends, however, so you won't have to waste time with people who are looking for more.</p> <h3>9. Meetup</h3> <p><a href="https://www.meetup.com/" target="_blank">Meetup</a> is an online organization with nearly 30 million members that hosts endless gatherings and social functions. You can meet people based on your occupation, personal interests (like hiking or cooking), location, and other factors that are important to you. Join a local club, take up a brand-new hobby, or explore somewhere new, all while making new like-minded friends along the way.</p> <h3>10. Social Media<strong> </strong></h3> <p>There can be more to interacting with your Facebook friends than a simple &quot;like&quot; or the occasional comment. Reach out to those friends and old co-workers through Facebook, Twitter, and/or Instagram. Invite them out for lunch or drinks, and simply catch up. It'll feel great to get out and sit with people face to face.</p> <h3>11. Get Out More</h3> <p>Once you are no longer in school or working from an office, it can be challenging to meet new people in person. The best thing to do is visit places where connections naturally occur. Maybe find a book club through your local library, or sign up for that fitness class or 5K you've been aspiring to run. Try a local arts or cooking class, or even take your kids on a playdate where you can mingle with fellow parents. There are countless ways to meet new people if you just get out there!</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/11-ways-freelancers-and-telecommuters-can-make-friends-and-network">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/8-life-skills-every-freelancer-needs">8 Life Skills Every Freelancer Needs</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</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-live-the-location-independent-lifestyle">How to Live the &quot;Location Independent&quot; Lifestyle</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-ways-to-stay-productive-while-working-from-home">5 Ways to Stay Productive While Working From Home</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-a-professional-association-can-boost-your-career">11 Ways a Professional Association Can Boost Your Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Lifestyle apps events freelance friends networking relationships social media telecommute work from home Wed, 22 Feb 2017 10:30:36 +0000 Andrea Cannon 1896807 at http://www.wisebread.com Pay with a Selfie: How Safe Are the New Ways to Pay? http://www.wisebread.com/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-512291874.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In 2016, more than half of all <a href="https://consumerist.com/2016/06/08/ups-survey-online-shopping-has-surpassed-in-store-buying-for-the-first-time/" target="_blank">purchases in the U.S.</a> were made online instead of at a brick-and-mortar store. From selfie-payments to Facebook Messenger bots, there is now a long list of unusual ways that you can pay the water bill or complete your grocery run for the week.</p> <p>But how safe are these new ways to pay? Let's take a closer look at how some of these new payment methods work, and what you can do to make them even safer.</p> <h2>1. Facebook Messenger Bots</h2> <p>Colorado-based <em>fintech </em>company BillHero was the first to leverage a Facebook Messenger chat bot to pay bills via chat commands. Later on in September 2016, Facebook enabled all of the 34,000 plus developers on the platform to support payments. The social media giant is working with several players in the credit card industry and fintech, including Visa and Braintree, to process all types of payment options.</p> <p>By opening the gates, Facebook allowed U.S. customers to complete a wide range of other transactions and purchases on Facebook Messenger. In a nutshell: The chat bot lets you know about a product that you might be interested in, and provides a &quot;buy now&quot; button. When you click it, it takes you to a checkout screen with your shipping information and payment method for you to review. Boom! Just like that, you're ready to pay.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>Well, Facebook Messenger payment bots are covered by the same level of security as all other Facebook products. All transactions using a Facebook chat bot are encrypted or processed through a trusted third-party payment processor, such as PayPal or Stripe, to protect your payment information, such as your card number or CVV. Also, transaction confirmations from a bot will restrict your information, such as only showing the last four digits of your credit card number.</p> <h3>How to Make It Safer</h3> <p>Your first line of defense starts with your Facebook password. Facebook recommends building a password that has at least six characters and is a complex combination of numbers, letters, and punctuation marks. When a password isn't strong enough, the app will let you know. Also, make your Facebook password different from those you use for your online banking, investing, or retirement savings accounts. (See also: <a href="http://www.wisebread.com/3-sneaky-ways-identity-thieves-can-access-your-data?ref=seealso" target="_blank">3 Sneaky Ways Identity Thieves Can Access Your Data</a>)</p> <p>A second tactic is to <a href="https://www.facebook.com/help/162968940433354?helpref=faq_content" target="_blank">turn on login alerts</a> so that you receive an automated alert when someone tries logging in to your Facebook account from an unrecognized device or browser. A third is to <a href="https://www.facebook.com/help/610199629080802?helpref=faq_content" target="_blank">require a password or PIN</a> whenever sending money or making payments in Facebook Messenger.</p> <h2>2. MasterCard Selfie Payments</h2> <p>Speaking of passwords, MasterCard believes that they cause too much hassle and presents the option to pay with a selfie. The &quot;selfie pay&quot; technology was first tested in the Netherlands, the U.S., and Canada and will be rolled out gradually across the world throughout 2017.</p> <p>Through a smartphone app, shoppers can confirm a purchase by taking a selfie and letting the facial recognition software verify their identity. According to MasterCard, 71% of users rated &quot;selfie pay&quot; highly during trials.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>To prevent somebody from just holding up a picture of you and getting away with a $1,000 shopping spree, the app requires you to snap the picture after you blink or shake your head. Then, the app compares the selfie with stored algorithms of your face to identify you. During the trials, 73% of users believed that &quot;selfie pay&quot; will reduce fraud and 90% of them would use it in the future.</p> <h3>How to Make It Safer</h3> <p>Since &quot;selfie pay&quot; is still in the process of being rolled out, there's little that we can do as of right now. If taking selfies isn't your cup of tea, MasterCard also plans to provide a fingerprint confirmation option with the app and is currently testing voice and cardiac rhythm recognition.</p> <h2>3. Amazon Dash Buttons</h2> <p>Connected to your home's Wi-Fi, the <a href="http://amzn.to/2iTpixh" target="_blank">Amazon Dash Button</a> allows you to reorder many of your favorite products with a simple click. To set up each Amazon Dash Button, you'll need to download the Amazon app on your Android or Apple device, connect the Dash Button to Bluetooth, and also enter your Wi-Fi information. Some Dash Buttons don't support Bluetooth connection, and use your smartphone's Wi-Fi connection or speakers instead.</p> <p>Currently, the button is only available for Amazon Prime members, costs $4.99, and provides you with a $4.99 credit after your first order. There are hundreds of products to choose from including Charmin, Doritos, Greenies Dog Treats, and Red Bull! Once you click the button, an indicator light will turn green when your order is successfully placed, or red if there was a problem.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>A device that connects seamlessly to your Wi-Fi, smartphone, and Amazon account &mdash; what could go wrong? While there are plenty of folks that have hacked their own button to do anything from <a href="https://medium.com/@ecaron/why-i-stopped-hacking-the-amazon-dash-button-and-learned-to-solder-84386a38bbd1#.wmcfdj5do" target="_blank">turning on lamps remotely</a> to <a href="https://medium.com/@brody_berson/hacking-amazon-s-5-dash-button-to-order-domino-s-pizza-9d19c9d04646#.j6d2iycep" target="_blank">ordering pizza</a> with one click, there are currently no reports of malicious hackers tapping into another person's Amazon Dash Buttons.</p> <h3>How to Make It Safer</h3> <p>Turn on the &quot;order protection&quot; feature on your Dash Button to prevent a new order from being placed until your prior order is delivered. This way you can prevent your spouse or son from tripling an order of detergent on the same day.</p> <p>Consider turning on the email notifications of your Amazon orders so that you can cancel any orders that you don't recognize.</p> <p>And it should go without saying, but set a strong password for your Wi-Fi and update that password at least once a year.</p> <h2>4. Chip Cards</h2> <p>No other new form of payment has generated more discontent from American consumers. From the confusion about swiping or inserting, to the awkward conversation with cashiers while waiting for your card to be processed, there is a list of reasons these metallic chips are considered an annoyance by many.</p> <p>However, the reality is that chip cards are far from being a new way to pay. They have been reducing fraud in over 130 nations around the world for several years. So, the U.S. is just playing catch-up. As of April 2016, Visa had issued <a href="http://www.usatoday.com/story/money/2016/04/19/some-major-merchants-see-dip-counterfeit-fraud-thanks-chip-cards-visa-says/83194722/" target="_blank">roughly 265 million</a> U.S. chip-enabled credit and debit cards, and MasterCard had upgraded about 70% of its U.S. debit and credit cards to the chip format.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>The evidence clearly indicates that chip-enabled cards reduce fraud. Visa has reported that among the U.S. merchants who were suffering the most instances of card fraud at the end of 2014, those that began accepting chip debit and credit cards saw instances of card fraud fall 18.3% as of the fourth quarter of 2015. On the other hand, some of the U.S. merchants who opted not to upgrade payment terminals to process chip cards experienced an increase in instances of card fraud of 11.4% for the same period. (See also: <a href="http://www.wisebread.com/4-ways-chip-credit-cards-make-life-easier?ref=seealso" target="_blank">4 Ways Chip Credit Cards Make Life Easier</a>)</p> <h3>How to Make It Safer</h3> <p>Simple: Opt to use your chip-enabled cards over those without a chip, and choose merchants with chip-enabled payment terminals over those who are still holding out. As with everything else, strength comes in numbers. Only when chip cards have become the norm across the nation can we all reap the enhanced security benefits of chip technology.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay">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/7-apps-that-monitor-your-credit-for-you">7 Apps That Monitor Your Credit 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/your-ssn-can-now-be-accurately-guessed-using-date-and-place-of-birth">Your SSN Can Now Be Accurately Guessed Using Date and Place of Birth</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/everyones-using-spare-change-apps-are-they-really-worth-it">Everyone&#039;s Using Spare Change Apps — Are They Really Worth It?</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/these-apps-turn-saving-money-into-a-game-are-they-worth-it">These Apps Turn Saving Money Into a Game — Are They Worth It?</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-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology Amazon apps bots buying chip cards Facebook fraud payment methods safety selfie Fri, 17 Feb 2017 10:31:16 +0000 Damian Davila 1890386 at http://www.wisebread.com 6 Apps That Pay You to Workout http://www.wisebread.com/6-apps-that-pay-you-to-workout <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-apps-that-pay-you-to-workout" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_workout_phone_536139771.jpg" alt="Woman using apps that pay her to workout" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of the most popular New Year's resolutions every year is to get fit and lose weight. Unfortunately, it's also one of the most broken resolutions as well. Perhaps if there was more of a financial reward tied to getting in shape, it would be easier, or maybe if there was a way to stay more accountable. Fortunately, there exist some highly clever smartphone apps that will help you with both. Here are six of the most popular apps that will actually pay you to workout and help keep you accountable in the process.</p> <h2>1. PACT</h2> <p>The free <a href="http://www.pactapp.com/" target="_blank">PACT app</a> is a clever healthy living smartphone app that keeps you accountable, both in terms of diet and exercise. The app works by allowing you to make weekly &quot;pacts&quot; with yourself to either eat healthier or exercise more.</p> <p>Once your pacts are set, you choose how much money you'll pay other PACT members if you don't reach them. On the flipside, if you do reach your pacts, you get paid by other members. So essentially you make money by staying healthy and you get paid by the members who don't. You might only make a few dollars a week, but the app keeps you accountable and makes for easy goal setting. Plus, it lets you connect to other popular health apps like RunKeeper, Fitbit, MapMyRun, and MyFitnessPal.</p> <h2>2. DietBet</h2> <p>The <a href="https://www.dietbet.com/" target="_blank">DietBet app</a> is a fun way to track your weight loss goals, stay accountable, and tap into your competitive side. Essentially the app let's you join &quot;Games,&quot; pay a small entry fee, and compete against other motivated folks to try and lose a certain percentage of weight in a specific amount of time. Win the game and you'll split the pot with all the other winners.</p> <h2>3. Healthy Wage</h2> <p>The <a href="https://www.healthywage.com/" target="_blank">Healthy Wage app</a> is similar to DietBet, with a couple important differences. While you get paid by winning weight loss challenges, the app focuses more on the user creating challenges with friends and family as well as corporate challenges. The challenges make for a fun way to track your progress and interact with others who are also trying to develop a healthier lifestyle.</p> <p>You can join up to 10 challenges at one time, as well as simply create personal challenges that'll keep you accountable. You pony up some money, join the challenges that interest you, and try to win some substantial bucks. Refer friends to the challenge and your winnings grow substantially.</p> <h2>4. Charity Miles</h2> <p>If you're looking to get into shape and are the type who regularly gives money to your favorite charities, then the <a href="http://www.charitymiles.org/" target="_blank">Charity Miles app</a> is worth a look. The app essentially donates money to <a href="https://charitymileshelp.zendesk.com/hc/en-us/articles/214937668-Who-are-your-Charity-Partners-" target="_blank">the charity of your choice</a> any time you &quot;walk, run, bike, skip, dance or any human-centered activity.&quot; By using your smartphone's GPS, Charity Miles can easily track your movement and track your activity. The more you move, the more money your charity receives.</p> <p>Sound too good to be true? Charity Miles is completely legit and pays out via corporate sponsors like Humana, Johnson &amp; Johnson, and Chobani.</p> <h2>5. WellCoin</h2> <p>The folks at <a href="https://www.wellcoin.com/" target="_blank">WellCoin</a> have developed a mobile app that gives you rewards points for doing healthy things. From sleeping seven hours a night, to drinking plenty of water, to going for a jog, you'll earn WellCoins for doing all of the above. Earn enough coins and you can redeem them for workout gear, healthy food, and even exercise classes in your area. The app is a great tool to help keep you accountable throughout the day.</p> <h2>6. FitCoin</h2> <p>The <a href="https://itunes.apple.com/us/app/the-fitcoin/id1008898705" target="_blank">FitCoin app</a> is another fun way to earn rewards with your Fitbit or any fitness tracker supported by the Apple Health app on your iPhone. Once the app is synced to your fitness tracker, you simply start burning calories by walking, jogging, or hitting the gym, and start earning &quot;FitCoins&quot; for your efforts. Your burned calories turn into FitCoins which can be redeemed in the FitCoin boutique for cool stuff like Amazon gift cards.</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-apps-that-pay-you-to-workout">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-fitness-gadgets-actually-worth-the-money">5 Fitness Gadgets Actually Worth the 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-ultimate-green-workout">The Ultimate &quot;Green&quot; Workout</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/ready-to-buy-some-exercise-equipment-read-this-first">Ready To Buy Some Exercise Equipment? Read This First.</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</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/these-7-exercises-are-scientifically-proven-to-increase-happiness">These 7 Exercises Are Scientifically Proven to Increase Happiness</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Technology apps exercise fitness get fit get in shape get paid to workout Health iPhone workout Tue, 07 Feb 2017 10:30:37 +0000 Kyle James 1887741 at http://www.wisebread.com How to Manage Your Money — No Budgeting Required http://www.wisebread.com/how-to-manage-your-money-no-budgeting-required <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-manage-your-money-no-budgeting-required" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-599767404.jpg" alt="Woman learning to budget her money without a budget" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>The basics of creating and maintaining a budget are deceptively simple: Determine how much of your money comes and goes each month. Easy peasy, right?</p> <p>Wrong. If you don't have the time, inclination, or skills necessary to keep careful track of your finances, the &quot;simple&quot; tasks that make up budgeting are anything but easy.</p> <p>But money management is a necessary part of financial health, whether or not you commit to creating and following a traditional budget. Thankfully, there are several options available to the budget-averse who need to get a handle on their finances. Here are three ways to manage your money &mdash; no budgeting required.</p> <h2>1. Have Your Paycheck Deposited Into Savings, Not Checking</h2> <p>Instead of having your entire paycheck deposited into your checking account, have it sent to savings. Once a month, transfer the amount you need for expenses and bills into your checking account. You'll automatically spend less than you earn and save money every month without having to draft up an actual budget.</p> <p>If you correctly calculated your monthly expenses, the money should last until the next transfer. If you are running short before the end of the month, you can decide to move more money from your savings account, or go on a financial fast (that is, make no purchases until the next month begins). If you find that you're constantly adding a second transfer near the end of the month to make ends meet, it's time to evaluate your expenses. Find the sweet spot that allows you to cover your expenses without dipping multiple times into your savings.</p> <h2>2. Follow the 50/20/30 Rule<strong> </strong></h2> <p>Senator Elizabeth Warren, along with her daughter Amelia Warren-Tyagi, introduced the 50/20/30 budgeting rule in their book <a href="http://amzn.to/2koYERZ" target="_blank">All Your Worth</a>. This proportional budget recommends that you divide your income into three buckets:</p> <ul> <li>50% should go toward essential expenditures like rent or mortgage, groceries, utilities, child care, and the like.<br /> &nbsp;</li> <li>20% of your income should go toward savings and/or financial goals, such as retirement savings, a down payment for a house, or your child's 529 college account.<br /> &nbsp;</li> <li>30% of your income should go toward your &quot;lifestyle&quot; expenses &mdash; i.e., the unnecessary purchases you make because you want them. These expenses include things like travel, entertainment, dining out, luxury items, etc.</li> </ul> <p>You can easily follow the 50/20/30 rule without having to specifically follow a budget. Create targeted accounts for each of your spending categories. When you receive your paycheck, have 20% of your income automatically transferred into a savings account or investment account, and have another 30% automatically transferred into a separate checking account. When you make a nonessential purchase, use the debit card associated with your 30% checking account, so that you can never be in the position where you've accidentally spent your rent money on a weekend to Vegas.</p> <p>Finally, the 50% that remains in your primary checking account should cover your essential spending &mdash; although it's always a good idea to maintain an emergency fund just in case. (The 20% transfer into a savings account can help you <a href="http://www.wisebread.com/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund?ref=internal" target="_blank">create an emergency fund</a> in the first few months of adopting this system.)</p> <h2>3. Let an App Do the Work for You</h2> <p>If you know that thinking about money will always be the last item on your to-do list, then you are a good candidate for an automatic savings or budgeting app. These three apps allow you to productively ignore your money.</p> <ul> <li><a href="https://digit.co/" target="_blank">Digit</a> is a free program that syncs with your accounts in order to analyze your cash flow. About twice a week, the program will determine an amount of money (between $5 and $50) that is safe to transfer out of your checking account and into an FDIC-insured Digit deposit account. This is a safe way to save money without ever having to think about it.<br /> &nbsp;</li> <li><a href="https://www.levelmoney.com/">Level Money</a> syncs with your bank account, calculating how much money will be available in your account after accounting for upcoming bills, recent purchases, and the savings goals you have created in the app. With those calculations, Level then gives you an estimated amount that is safe for you to spend that day, that week, and that month. Like Digit, Level Money is free.</li> </ul> <ul> <li><a href="http://www.getpennies.com" target="_blank">Pennies</a> is an iPhone app that requires a little more hands-on approach. If you don't mind some more direct involvement in your budgeting, this one is worth a try. Pennies asks you to set a budget amount for various types of spending, such as monthly fun money, weekly food spending, monthly transportation costs, etc. You will enter in the start date, the length of the budget term, and the amount available to spend, and you will need to enter each purchase you make into the app. Pennies then shows you how much money and time is left in each budget. Pennies costs $2.99 in the App Store, and has no other fees.</li> </ul> <h2>Money Management Doesn't Have to Hurt</h2> <p>Just because you've never held onto receipts or willingly opened an Excel spreadsheet does not mean you can't have a good handle on your money. Consistency is the key to good money management, so finding a system that works for you is the most important part of keeping track of your finances.</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/how-to-manage-your-money-no-budgeting-required">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-savings-strategy-that-works-for-you">How to Find the Savings Strategy That Works 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/the-financial-basics-every-new-grad-should-know">The Financial Basics Every New Grad Should Know</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/stop-making-these-7-basic-budget-mistakes">Stop Making These 7 Basic Budget Mistakes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting 50/20/30 rule apps expenses income money management not budgeting paycheck saving money tools Mon, 06 Feb 2017 11:00:10 +0000 Emily Guy Birken 1885693 at http://www.wisebread.com 6 Smart Ways to Save Money This Year (Without Clipping a Coupon) http://www.wisebread.com/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-534001267.jpg" alt="save money without clipping any coupons" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The days of exclusively saving money by clipping coupons are long gone. While using paper coupons still makes sense in many cases, there now exists a plethora of new ways to save when buying the stuff you need. Here are six new money-saving techniques that you should add to your toolbox this year. Your wallet will surely thank you.</p> <h2>1. Ibotta</h2> <p>The hottest money-saving app in recent years is <a href="https://ibotta.com/register?friend=jcsgjbv" target="_blank">Ibotta</a>, which takes grocery savings to a whole new level &mdash; no coupon clipping required. The app lets you redeem &quot;rebates&quot; in place of coupons on items you'll be buying anyways. It doesn't matter the store, or the price &mdash; you still collect the rebate. It even has rebates on generic items like milk, eggs, and loaves of bread.</p> <p>You simply unlock rebates via the app before your trip to the grocery store, do your shopping like you normally would, then upload a picture of your receipt as evidence of your purchase. Ibotta then credits your account with the rebate within 48 hours. Get at least $20 in your account, which won't take long if you're buying groceries for a family, and collect your earnings via PayPal or a gift card.</p> <h2>2. Become a #Hashtag Pro</h2> <p>Most folks who attempt to use social media to save money are doing it all wrong. If you're not using the famed hashtag correctly, you're probably not finding the best deals. For example, let's say you live in Atlanta and are looking for a screaming deal on a new bicycle on Twitter or Facebook. Be sure to use hashtags like #bike #deals and #atlanta rather than combining words like #BikeDeals or #DealsAtlanta. By breaking up the hashtag into separate words, you'll actually find deals on specific items and spend less time weeding through useless information.</p> <h2>3. Use Hyphens in Craigslist Searches</h2> <p>Craigslist is another fantastic resource to find deals on stuff that others are getting rid of, no coupon clipping required. But if you've ever used their search feature, you know it can be difficult to find exactly what you're looking for without having to sift through a bunch of junk.</p> <p>An easy workaround is to start using the hyphen (-) in your search queries. Specifically, use the hyphen to <em>exclude </em>or block certain words. For example, let's say you're looking for some gently used furniture, but would like to stay away from any IKEA items. Simply search &quot;Furniture -ikea&quot; and they'll automatically exclude all IKEA furniture from your search results. This is a huge time saver and can help you quickly find the best deals on exactly what you're looking for.</p> <h2>4. Ask About Store Markdown Days</h2> <p>Another great way to save at retailers, without using a coupon, is to figure out when your favorite stores do their clearance markdowns. After all, there is nothing more frustrating than showing up at a store like Old Navy and having the clearance section completely picked over. But if you're in the know, most Old Navy locations do their markdowns on Sunday and Monday mornings. So if you shop early in the week, you'll be able to take advantage of clearance deals when they're most likely to have your size and color.</p> <p>The bottom line is to always start a conversation with store employees and politely ask what day of the week they do their markdowns. Try it and you'll be amazed with how open most employees are with the information. Then plan your shopping trips accordingly and shop when there is ample clearance inventory and real opportunities to save money.</p> <h2>5. Look for Quantity Discounts</h2> <p>If you have any DIY projects planned for this year, and know you'll be buying in bulk, start thinking about quantity discounts that many retailers offer. No coupon required to qualify for these discounts. Think about things like lumber, nails, fencing, paint, and screws. Here are a few quantity discounts to be aware of.</p> <ul> <li>Home Depot: They call it <a href="http://www.homedepot.com/c/Pro_VolumePricing" target="_blank">Volume Pricing Discounts</a>. Once you build your project checklist, you'll qualify for a discount when your order exceeds $1,500.<br /> &nbsp;</li> <li>Lowe's: Through the <a href="https://www.lowes.com/cd_Lowes+Commercial+Services+Buy+in+Bulk_577249990_" target="_blank">Lowe's ProServices: Buy in Bulk</a> program, you'll score deals on contractor packs, reduced delivery fees, as well as a flat 5% discount.<br /> &nbsp;</li> <li>Costco: Available to all paying members, <a href="http://www.costco.com/volume-bulk-sales.html" target="_blank">Costco's Volume Sales Department</a> can hook you up with some exclusive quantity discounts.<br /> &nbsp;</li> <li>Sam's Club: Sam's offers what they call <a href="http://www.samsclub.com/sams/pallet-quantity-items/7470122.cp" target="_blank">Pallet Quantity Discounts</a> which will get you deals on stacking chairs, folding tables, office tables, and even sports drinks.</li> </ul> <h2>6. Use Grocery Store Loyalty Cards Religiously</h2> <p>While some grocery store loyalty cards are nothing more than a way to send you worthless advertising, many are <a href="http://www.wisebread.com/9-store-loyalty-programs-that-are-worth-it?ref=internal" target="_blank">absolutely worth your while</a>. This is especially true if the grocery store has a gas station attached to it that gives gas discounts via your loyalty card. (See also: <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?ref=seealso" target="_blank">5 Best Gas Rewards Credit Cards</a>)</p> <p>Also, many grocery stores slash prices on meat, dairy, and bakery items via their loyalty card, making it another smart way to save. Many also allow you to add coupons found online to the card, completely removing the need to cut them out of the newspaper. Bottom line, be sure you're taking full advantage of the loyalty programs your local grocery stores provide. (See also: <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=seealso" target="_blank">The 5 Best Credit Cards for Groceries</a>)</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-smart-ways-to-save-money-this-year-without-clipping-a-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-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can 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/how-to-find-the-best-back-to-school-sales">How to Find the Best Back to School Sales</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-highly-effective-ways-to-save-without-clipping-a-coupon">6 Highly Effective Ways to Save Without Clipping a Coupon</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/6-more-apps-that-pay-you-to-shop">6 More Apps That Pay You to Shop</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping apps coupons deals hashtags ibotta markdowns retail saving money social media store loyalty Fri, 27 Jan 2017 10:30:26 +0000 Kyle James 1881614 at http://www.wisebread.com Don't Use Your Prescription Drug Coupons Until You Read This http://www.wisebread.com/7-things-you-need-to-know-about-prescription-drug-coupons <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-you-need-to-know-about-prescription-drug-coupons" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/pills_money_medicine_520882000.jpg" alt="Learning what you need to know about prescription drug coupons" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you have health insurance to help cover the cost of prescription drugs, that's great. But the average insured American still spends nearly $200 a year on prescription copays.</p> <p>Prescription drug coupons can help defray that hefty expense. You present them at the register of your pharmacy just like any other coupon. They reduce your copay, but do not affect the price your insurer pays for the drug. Drugmakers offer these coupons as a form of marketing, and while they can help patients, before using them you should know a few things about how these programs work.</p> <h2>1. Sometimes Brand Name Is Cheaper Than Generic</h2> <p>If your copay for generic medication is $10, but a coupon brings your copay for a similar brand name drug down to $4, you'll save money by going with the brand name. This is the major attraction of drug coupons for patients.</p> <h2>2. Don't Get Steered Into Suboptimal Treatment</h2> <p>It's hard to see how saving money could be bad for your health. But health care decisions should be made between patient and doctor, without intrusion from marketing. Why? Consider this: Doctors often have the choice of multiple drugs to treat any given ailment. Maybe Drug A, a tried and true generic, is the best choice for you, but you ask your doctor for Drug B because you have a coupon that would cover most of your copay. The doctor accommodates you, so you save money &mdash; but your treatment has suffered. This is not a hypothetical situation; a Consumer Reports analysis found more than one generic that works as well as or <a href="http://www.consumerreports.org/cro/2012/03/don-t-get-hooked-on-prescription-drug-coupons/index.htm">better than a name brand</a>.</p> <h2>3. Coupons Could Cost You More in the Long Run</h2> <p>Like a cable TV teaser rate, the coupon program won't last forever. Once you've established treatment for a chronic condition with the brand name drug, and the coupon ends, you may spend years paying the higher post-coupon price.</p> <h2>4. You May Not Be Eligible to Use the Coupon</h2> <p>Some discount programs exclude members of Medicare, Medicaid, and uninsured people. Always read the fine print.</p> <h2>5. The Coupon Might Not Be Your Cheapest Option</h2> <p>Make sure to do the math before opting for a brand name with a coupon over a generic &mdash; the generic still might be cheaper.</p> <h2>6. Coupons May Spike Your Insurance Premiums</h2> <p>When you use a coupon, you pay less &mdash; but your insurance company may pay up to 85% more than it would have if you had chosen a less expensive drug. Who cares? Most of us don't have much sympathy for insurance companies. But when your insurer pays more for drugs, it may pass that to you in the form of higher premiums.</p> <p>&quot;An individual patient who receives a coupon might not realize that, although that particular prescription may cost less that month, overall what it does is to <a href="http://khn.org/news/drug-coupons/">raise costs for everyone</a>, including themselves,&quot; Susan Pisano told Kaiser Health News on behalf of trade group America's Health Insurance Plans.</p> <h2>7. Always Get Coupons From a Reputable Source</h2> <p>Don't just click any link online and start entering personal information about what medications you take. A good place to ask about discount programs is your doctor's office. Online, you can enter the drug name and other details at <a href="https://www.pparx.org">Partnership for Prescription Assistance</a>, and it will connect you to programs you qualify for.</p> <p>Another convenient and safe way to find discounts is by downloading an app such as <a href="https://www.goodrx.com/">GoodRX</a> or <a href="http://werx.org/">WeRx</a> onto your phone. These apps not only find printable coupons, they will also suss out good prices near you on both prescription and over-the-counter medicines, and let you know about pharmacy rewards programs and other opportunities to save.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/7-things-you-need-to-know-about-prescription-drug-coupons">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/7-ways-you-can-save-money-on-prescription-medications">7 Ways You Can Save Money On Prescription Medications</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/is-the-wii-fit-a-cheap-workout">Is the Wii Fit a cheap workout?</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-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-4 views-row-even"> <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> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-generic-wellness-buys-better-than-the-expensive-originals">7 Generic Wellness Buys Better Than the Expensive Originals</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty Shopping apps brand name drug coupons drugstores generic medicines pharmacies prescriptions Wed, 04 Jan 2017 11:00:06 +0000 Carrie Kirby 1865344 at http://www.wisebread.com