travel http://www.wisebread.com/taxonomy/term/12026/all en-US Why Millennials Should Embrace Credit Cards http://www.wisebread.com/why-millennials-should-embrace-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-millennials-should-embrace-credit-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_credit_card_92044311.jpg" alt="Learning why millennials should embrace credit cards" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Millennials are avoiding credit cards more than any other generation. Perhaps this is because they have witnessed their own parents <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">struggling with debt</a>, or they are already feeling overwhelmed by <a href="http://www.wisebread.com/should-you-refinance-your-student-loan?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">student loan repayments</a>. While debt is a good thing to avoid, especially if you don't want to live paycheck to paycheck for the rest of your life, credit cards aren&rsquo;t always the enemy. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">13 Awesome Credit Card Perks You Didn&rsquo;t Know About</a>)</p> <p>In fact, credit cards can actually be beneficial toward your financial goals. Here are just a few reasons why you should embrace credit cards, after all.</p> <p>See also: <a href="http://www.wisebread.com/4-surprising-reasons-to-always-use-your-credit-card?utm_source=wisebread&amp;utm_medium=seealso2&amp;utm_campaign=cc_article">4 Surprising Reasons to Always Use Your Credit Card</a></p> <h2>Better Protection</h2> <p>If your credit card account information is stolen, and someone goes on a spending spree, you have some time to resolve it. Card charges you flag as fraudulent will be placed on hold while investigated, and you won&rsquo;t be responsible for their payment or even interest accrual. While fraudulent charges are a royal pain, the silver lining is that none of your actual money has been stolen from your bank account.</p> <p>This is not true if your debit card, PayPal, or Venmo account has been hacked, and funds are used without your permission. You would report the fraud to your bank, but those funds have already left your account. You&rsquo;d have to wait for the bank to resolve this. In the meantime, if you have bills to pay, you&rsquo;ll be left asking for an extension while your bank investigates.</p> <h2>Build Up Credit</h2> <p>Your credit score affects everything from your interest rate for a new vehicle, to whether or not you qualify to rent, and even your job, if your career requires a specific clearance. Even having zero credit can be very harmful for your finances. You will end up having to cosign your loan with somebody, or you could be hit with a high interest rate.</p> <p>You don&rsquo;t even have to use your credit card all the time to <a href="http://www.wisebread.com/how-to-use-credit-cards-to-improve-your-credit-score?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">build a healthy credit score</a>. Instead, start with one credit card, spend $100&ndash;$200 a month on it, and pay it off each month. Look for a card that comes with <a href="http://www.wisebread.com/the-5-best-credit-cards-that-offer-free-credit-scores?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">free credit score monitoring</a> so you can keep track of your score.</p> <h2>Get Free Money</h2> <p>Even if you aren&rsquo;t interested in the world of credit card rewards, it&rsquo;s simple to get cash back for your purchases. Some cards will offer a higher percentage of cash back for certain types of purchases, like <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">groceries</a>, <a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">dining</a>, or <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">gas</a>. Others have a <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">flat rate cash back percentage</a> on all purchases, so you don&rsquo;t have to worry about bonus categories. Either way, you&rsquo;re getting money back on purchases you&rsquo;re already planning on making. (See also: <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">Best Cash Back Credit Cards</a>)</p> <h2>Get Free Travel</h2> <p>Collecting credit card <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">rewards points for travel</a> doesn&rsquo;t have to be complicated. Get points or miles for the purchases you make on your card, redeem them for statement credits toward travel purchases, or use the points to purchase travel. The best part about <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">travel rewards credit cards</a> is the <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">sign up bonuses</a> that you can collect when you get a new card. My husband and I <a href="http://www.wisebread.com/how-i-redeemed-a-12000-family-vacation-with-credit-card-rewards-in-2-months?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">earned a free trip</a> just by switching our regular spending to a new card for a few months. (See also: <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">How Travel Rewards Credit Cards Really Work</a>)</p> <p>Take advantage of these promotions and bonus points to travel your dream destinations more affordably. Once you get married and have kids, it is harder to see the world.</p> <h2>Purchase Protection</h2> <p>Credit cards have an amazing number of protections in place. Purchase protection protects against theft and damage. Price protection allows you to get a difference on an item&rsquo;s price if it goes down shortly after you&rsquo;ve bought it. Extended warranty automatically extends the warranty on your item up to an additional year. Some even have return protection, which allows you to get a refund even if you&rsquo;ve been denied a return from the vendor.</p> <h2>Interest Free Financing</h2> <p>Many cards offer <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">0% intro APR on purchases for 6-18 months</a>. This means that you can pay off a large purchase over a year and half, with no interest. The important thing to remember though, is that you have to be committed to paying it off during that time. It&rsquo;s never wise to accrue credit card debt, pay interest, and live beyond your means. But getting an interest-free loan for 18 months if you are certain you can pay it off, is a great deal.</p> <h2>Car Rental</h2> <p>Most car rental vendors will require a credit card. Even better is that many <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">credit cards also come with rental car insurance</a>, which will save you money on your rental.</p> <h2>Avoid Fees While Traveling</h2> <p>Instead of paying an exchange rate for cash when traveling abroad, use a <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">credit card with no foreign transaction fees</a>. It has the benefit of being safer than carrying cash, and has built in fraud and purchase protections.</p> <h2>Benefiting From Credit Cards While Staying Out of Debt</h2> <p>Even with all of the benefits a credit card can bring, &ldquo;25% of Millennials describe credit cards as something that worsens their financial standing,&rdquo; according to one study. It is true that credit cards can dig you deep into debt and financial problems if you aren&rsquo;t careful. Here are three ways to reap the benefits without falling into debt.</p> <ul> <li><strong>Balance Credit Cards Like Checkbooks: </strong>Past generations used to balance their checkbooks by writing down every expense, making sure they knew how much was in their checking account at all times. Modern technology has made this practice archaic, but it still can be useful. Every time you spend money on your credit card, subtract it from your checking account either with the help of an app or pen and paper.<br /> &nbsp;</li> <li><strong>Use Credit Cards to Pay for Usual Bills: </strong>You can earn points without spending more than you already do each month. Pay your bills online through a credit card or use one solely for gas or groceries. Take advantage of cards that offer extra points for spending in a certain category.<br /> &nbsp;</li> <li><strong>Don&rsquo;t Let Credit Cards Change Your Spending Mentality: </strong>Credit cards can give us the false illusion that we have more money than we actually have to spend. Don&rsquo;t fall victim to this. Still stick to a strict budget and only splurge what you have set aside specifically for spending.</li> </ul> <p>It is great that Millennials are trying to avoid debt more than the other generations. However, avoiding debt does not mean you have to avoid credit cards. Use credit cards to your advantage to make your <a href="http://www.wisebread.com/best-credit-cards-for-everyday-purchases?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">everyday spending go a little further</a>. (See also: <a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">How to Save an Extra $1,000 a Year</a>)</p> <p><em>What is your favorite credit card to use? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/why-millennials-should-embrace-credit-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/easy-ways-to-save-on-7-everyday-buys">Easy Ways to Save on 7 Everyday Buys</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-surprising-ways-to-negatively-affect-your-credit-score">10 Surprising Ways to Negatively Affect Your Credit Score</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/pre-approved-for-credit-card-offers-are-you-pre-qualified">Pre-Approved for Credit Card Offers: Are You Pre-Qualified?</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/top-seven-reasons-why-i-use-my-credit-card-for-everything">Top Seven Reasons Why I Use My Credit Card for Everything</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/this-one-ratio-is-the-key-to-a-good-credit-score">This One Ratio Is the Key to a Good Credit Score</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards car rentals credit cards credit scores financing fraud protection millennials travel warranties Thu, 21 Jul 2016 10:00:12 +0000 Ashley Eneriz 1753340 at http://www.wisebread.com How to Take One Vacation Day and Save Thousands http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-take-one-vacation-day-and-save-thousands" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_62926796_LARGE.jpg" alt="saving thousands from taking one vacation day" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all have a list of financial tasks we keep meaning to get to, but between work, family, everyday obligations, and the need for sleep, we just keep putting them off. Whether it's rolling over an old employer 401K or finding cheaper car insurance, you can end up costing yourself hundreds, or even thousands of dollars by procrastinating.</p> <p>However, there is a solution: Use a vacation or personal day as an annual &quot;Money Day&quot; to catch up on all those finance to-dos you keep putting off. You'll have the time to stay on the line with customer service, fill out forms, and get organized &mdash; setting yourself up for a more secure financial future. Here are all the financial boxes you can check off on your annual Money Day.</p> <h2>Negotiate Bills</h2> <p>Phone bills, cable subscriptions, and car insurance can be expensive, eating up a huge part of your budget. However, rather than just gritting your teeth and bearing it, you can negotiate your bill and bring down your cost. Make a list of all of the services and subscriptions you currently pay for, and contact each one. For the introverts who get nervous negotiating over the phone, most companies have an online chat option that will work just as well.</p> <h3>Tell Them You Want to Cancel</h3> <p>Whether you are on the phone or chatting online, be as polite and kind as possible, but firmly let them know you want to cancel because the cost is just too high.</p> <h3>Be Prepared to Deal With the Retention Department</h3> <p>Customer service is likely to transfer you to their sales department or retention department, whose sole goal is to keep you on board. Again, be as friendly as possible, but explain that the monthly bill is more than you can afford. You do not have to give a long script or even say you are looking at other competitors; just noting you cannot afford the price will trigger the next steps.</p> <h3>Continue to Negotiate</h3> <p>They will likely offer you a temporary adjustment, like a promotional three-month offer. Be firm, saying something like, &quot;I'm sorry, I just can't afford this rate. I would need something more permanent.&quot; More than likely, they will come back with a more generous offer, saying they are authorized to give it to you that day. That language indicates it's the best they can do. Ask them to send you an email confirmation with the new agreement and then repeat the process with each service provider you have.</p> <h3>Research Alternatives</h3> <p>In some cases, companies just won't budge, particularly if you have only been a customer for a year or two. If that's the case, use some time during your money day to look up alternatives and get quotes. For instance, services like <a href="https://www.thezebra.com/">The Zebra</a> help you compare rates from multiple car insurers so you can get the most competitive price.</p> <h2>Find and Rollover Retirement Funds</h2> <p>Nearly three million people <a href="http://www.bls.gov/news.release/jolts.nr0.htm">quit their jobs each month</a>, with many of those individuals leaving old 401Ks behind, either intending to get to it later or thinking the amount is too small to matter. Then they end up forgetting about it, and the money disappears. Take the time to hunt down old plans and come up with a strategy for them:</p> <h3>Find Old 401Ks</h3> <p>You may have to call each of your former employers' human resources departments to determine where your old 401Ks are currently held. If that's not an option, you can also check with the <a href="https://www.unclaimedretirementbenefits.com/">National Registry of Unclaimed Retirement Benefit</a>.</p> <h3>Take Action</h3> <p>Once you've found your old accounts, you can keep them where they are, but keep their log-in information in a safe place. However, it might also make more financial sense to roll them into one place, like in a <a href="http://www.wisebread.com/401k-or-ira-you-need-both">traditional IRA</a>. Vanguard and Fidelity offer IRA options that are cheaper regarding fees you will pay in most 401Ks, so rolling the account over can save you money and prevent any penalties.</p> <h2>Search for Unclaimed Money</h2> <p>There are millions of dollars in unclaimed money sitting around. Whether it's an old savings account, an insurance credit or, other windfall, state laws require that unclaimed funds be turned over to the state for safekeeping until the owner claims them. Most people don't even realize that hundreds of dollars belong to them, and it goes unclaimed for years.</p> <p>To find lost money, visit <a href="http://www.unclaimed.org">Unclaimed.org</a>. Check each state that you have lived in and enter your full name and any other names you may have gone by in the past. The site will list any money that belongs to you. You can file a claim, following the process outlined on the site, to get the money returned to you.</p> <h2>Automate Savings</h2> <p>If you have been putting off building up your emergency fund or retirement savings, your money day is a very good time to get them started. Set up automatic contributions for the start of each month to go into your savings and retirement accounts, so you do not even miss the money from your paycheck.</p> <p>Setting aside an annual vacation day to manage your finances can be an excellent way to stay on top of essential money tasks, trim your budget, maximize your dollars, and find you hundreds of dollars that may have gone missing. By dedicating a day to money management, you can end up savings thousands of dollars in just 24 hours.</p> <p><em>What else should be done on your annual Money Day? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</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-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</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-save-money-at-the-post-office">How to Save Money at the Post Office</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/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</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/9-money-lessons-to-take-from-the-great-depression">9 Money Lessons to Take From the Great Depression</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living Travel budgeting career frugal living personal finance saving money travel vacation day Tue, 19 Jul 2016 09:00:10 +0000 Kat Tretina 1754845 at http://www.wisebread.com 6 Budget-Friendly Beach Destinations http://www.wisebread.com/6-budget-friendly-beach-destinations <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-budget-friendly-beach-destinations" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_beach_vacation_5993498.jpg" alt="Woman finding budget-friendly beach destinations" title="" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Summer is all about the beach escape &mdash; a well-earned break from the toil of the daily routine in a place where the day is ruled by the rise and fall of the sun. But have you truly earned it? According to American Express, the average American vacation costs $1,145 per person, or $4,580 for a family of four. If that price tag looks steep, let's consider your options.</p> <p>Sure, you could forgo your annual vacation, but there's a price to pay for that, too. Studies show that vacationing can make you feel more restful and productive, improve your relationships, and boost your health. Neglecting to vacation, on the other hand &mdash; also known as being overworked &mdash; has been connected to depression, anxiety, insomnia, health problems, weight gain, and higher divorce rates. Perhaps your best bet is a trip to one of the nation's budget-friendly beaches. (See also: <a href="http://www.wisebread.com/6-tourist-towns-that-are-actually-great-to-live-in?ref=seealso">6 &quot;Tourist Towns&quot; That Are Actually Great to Live In</a>)</p> <h2>1. Cayucos, California</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/beach_cliffs_859494.jpg" width="605" height="340" alt="" /></p> <p>You won't find swanky tapas bars or hundred million dollar homes in <a href="http://www.visitcayucosca.com/cayucos-family-vacation/">this overlooked enclave</a> on the California coast. Yes, like many California beach destinations, Cayucos has gorgeous ocean views and surf spots galore. But unlike the rest, it's not over-the-top expensive. It's also not ultra-crowded with tourists. Fill your days with walks on the newly renovated historic pier, visits to the acclaimed skate park, kayak excursions down the coast, horseback riding adventures on the beach, or afternoon wine tasting. Laid-back and slow-moving with many dog and kid-friendly beaches, hotels, and restaurants &mdash; yes, you really can bring Sparky out to eat &mdash; Cayucos makes for a great, no-frills getaway for the entire family.</p> <h2>2. Gulfport, Mississippi</h2> <p>In Gulfport, where the <a href="http://www.census.gov/quickfacts/table/PST045215/00">median home value</a> is just $175,700, miles of sandy beaches are bordered by a boulevard populated by hotels and casinos. Though badly battered by Hurricane Katrina, this relatively undiscovered portion of the Gulf Coast has been rebuilding itself as a lively destination for beach-goers, fishermen, golfers, gamblers, and lovers of nightlife and live music. And, for now, that not-so-distant memory of Katrina's wrath keeps the prices here low. For $29, you can buy a roundtrip ferry ride to <a href="http://www.msshipisland.com/?q=about">Ship Island</a>, home of Mississippi's most scenic beaches. Located 11 miles south of Gulfport, this pristine barrier island is the ideal setting to soak up the sun, picnic, and unwind.</p> <h2>3. Pensacola, Florida</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pensacola_florida_beach_66117559.jpg" width="605" height="340" alt="" /></p> <p>Florida is home to more coastline than any other continental state. And while many of the Sunshine State's beach destinations will empty your wallet, Pensacola was seemingly <a href="http://www.bestplaces.net/cost_of_living/city/florida/pensacola">made for the bargain-minded</a>. In addition to its affordability, this <a href="http://www.cityofpensacola.com/35/Visiting">westernmost city</a> in the Florida panhandle is known for its crystalline water and long stretch of powdery white sand beaches. A 20-minute drive from the city's downtown will get you there, though there is a public beach accessible from downtown, as well.</p> <p>In addition to beaches, Pensacola boasts a collection of pre-Civil War brick fortresses. The Gulf Breeze Zoo is home to 900 animals, while the National Naval Aviation Museum features a collection of more than 150 warbirds. Budget motels and inexpensive condominium vacation rentals are plentiful both in the Pensacola beach area and downtown &mdash; and so are budget-friendly dining options.</p> <h2>4. Matagorda, Texas</h2> <p>Matagorda is home of miles upon miles of untouched beaches. It's almost as if no one knows they're here. For the budget traveler, that's good news because it means <a href="http://www.fishermansmotel.com/page1/index.html">you can score a waterfront motel room</a> for $75 per night. Apart from the beach, there isn't much to Matagorda. But if you're looking for scenic solitude on a budget, this is where you'll find it.</p> <h2>5. Rehoboth Beach, Delaware</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/new_jersey_beach_18947400.jpg" width="605" height="340" alt="" /></p> <p>Situated just two hours from Washington, D.C., Rehoboth Beach boasts a mile-long boardwalk along a beautiful beach as well as numerous food, entertainment, and shopping options within walking distance of the coast. In addition to the beach, the Rehoboth area has lots to offer, including the Tanger Outlets, which has 160 stores, as well as golfing, fishing, and hiking on a number of local nature trails. And with a number of <a href="http://www.anchoragemotelinc.com/rates/">no-frills rentals</a> such as the Anchorage Motel, you can rent a room for less than $100 &mdash; even during the high season.</p> <h2>6. Keansburg, New Jersey</h2> <p>This bayside town offers mesmerizing beachfront of the New York City skyline, calm waters for swimming, a fishing pier to cast your line, scenic walking trails &mdash; and a median home value of just $162,000. This <a href="http://www.zillow.com/keansburg-nj/home-values/">bargain town</a> on the famed Jersey Shore is undertaking <a href="http://patch.com/new-jersey/middletown-nj/keansburg-awarded-11-million-streetscape-revitalization-grant">a huge streetscape revitalization project</a> that promises to enhance building facades and improve walkways, something that's bound to lure in even more small businesses and vitality in the coming years. For now, room rentals at the quaint, family-owned <a href="http://www.hollyhillmotel.com/Luxury-Motel-About-West-Keansburg-NJ.html">Holly Hill Motel</a> come as low as $69 per night.</p> <p><em>What other beach destinations are budget-friendly? Share with us!</em></p> <h2 style="text-align: center;">Like this article? Pin it!&nbsp;</h2> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-budget-friendly-beach-destinations&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%20Budget-Friendly%20Beach%20Destinations.jpg&amp;description=6%20Budget-Friendly%20Beach%20Destinations" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Budget-Friendly%20Beach%20Destinations.jpg" width="250" height="374" alt="" /></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-budget-friendly-beach-destinations">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/how-to-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</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/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</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-save-on-baggage-fees">6 Ways to Save On Baggage Fees</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/14-useful-items-hotels-usually-provide-for-free">14 Useful Items Hotels Usually Provide for Free</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel beach beach vacation beaches budget travel budget-friendly destination frugal living saving money travel Thu, 14 Jul 2016 10:31:04 +0000 Brittany Lyte 1751466 at http://www.wisebread.com Choose the Best Travel Rewards Credit Card with this Guide http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/choose-the-best-travel-rewards-credit-card-with-this-guide" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000064960051_Large.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So you&rsquo;ve heard tales of people <a href="http://www.wisebread.com/how-i-redeemed-a-12000-family-vacation-with-credit-card-rewards-in-2-months?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">getting free travel</a> through travel rewards from their credit cards, and you want in. But with hundreds of credit cards offered by dozens of card issuers, how do you <a href="http://www.wisebread.com/get-started-with-travel-rewards-in-4-simple-steps?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">get started with travel rewards</a>? It can be quite a challenge to find the <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">right travel rewards card</a> for you needs. To narrow down your selection, it helps to divide all of the reward cards on the market into four groups:</p> <ul> <li>Cards that offer statement credit for travel purchases</li> <li>Cards that offer travel discounts or points transfer to loyalty programs</li> <li>Co-branded cards that offer travel perks and miles redemption through specific airlines or hotels</li> <li>Cards that offer premium benefits for travelers who want comfort and convenience</li> </ul> <p>See also: <a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you?utm_source=wisebread&amp;utm_medium=seealso2&amp;utm_campaign=cc_article">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</a></p> <h2>Cards That Offer Travel Purchase Credit<strong> </strong></h2> <p>These are the most flexible travel rewards credit cards -- these cards offer points or miles that can be redeemed for most travel purchases. They offer the most flexibility because you don&rsquo;t need to deal with award flights (booking flights with points/miles) or airline loyalty programs. You just use your card to book through whatever online booking site you want, or directly with the travel vendors, and redeem your points for statement credit at a 1 cent per mile/point rate toward those travel purchases. For those who want simple and flexible redemption, these are the best travel rewards credit cards.</p> <h3>BankAmericard Travel Rewards&reg; Credit Card</h3> <p><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=108&amp;pp=1&amp;uv=xcard" rel="nofollow" target="_blank"><img width="154" border="0" src=" http://www.wisebread.com/files/fruganomics/u784/BankAmericard-Travel-191.jpg" alt="" style="float:right;margin:0 10px;" /></a>The <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=108&amp;pp=1&amp;uv=xname">BankAmericard Travel Rewards&reg; credit card</a> allows you to earn unlimited 1.5 points for every purchase, which you can redeem as statement credit toward flights, hotels, vacation packages, rental cars, and more. There are no blackout dates or restrictions, and your points don&rsquo;t expire. New cardmembers earn 20,000 bonus points, worth $200 in statement credit, if you make at least $1,000 in purchases in the first 90 days of your account opening. And if you have an active Bank of America&reg; checking or savings account, you can get a 10%-25% customer points bonus on every purchase! This card has no annual fee.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=108&amp;pp=1&amp;uv=xend">Click here to learn more and apply for the BankAmericard Travel Rewards&reg; Credit Card today!</a></strong></p> <h3>Capital One&reg; Venture&reg; Rewards Credit Card</h3> <p><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=26&amp;pp=2&amp;uv=xcard" rel="nofollow" target="_blank"><img width="154" border="0" src=" http://www.imgsynergy.com/191x120/capital-one-venture-rewards-credit-card-101614.png" alt="" style="float:right;margin:0 10px;" /></a>The <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=26&amp;pp=2&amp;uv=xname">Capital One&reg; Venture&reg; Rewards Credit Card</a> is another card that gives you a lot of flexibility with your rewards. You earn unlimited 2x miles per dollar on every purchase, every day. Redeem your miles as statement credit towards travel purchases made with this card. Book any airline, any hotel, rental cars and more -- you aren&rsquo;t tied to specific travel programs or companies. Plus, new cardmembers get a one-time bonus of 40,000 miles (equal to $400 in travel) once you spend $3,000 on purchases within the first 3 months. There is an annual fee of $59 that is waived the first year.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=26&amp;pp=2&amp;uv=xend">Click here to learn more and apply for the Capital One&reg; Venture&reg; Rewards Credit Card today!</a></strong></p> <h2>Cards That Offer Travel Discount or Points Transfer</h2> <p>These credit cards offer two ways to redeem your travel rewards: booking travel through their branded travel portal, or transferring your points to loyalty programs. The catch is that you can only get flights and stays with the card partners. For example, Chase has 11 partners, including Southwest, United, British AIrways, Hyatt, and IHG. American Express cardholders can access Air Canada, Cathay Pacific, JetBlue, Virgin America, Starwood Preferred, Hilton, and more. Redeeming your points through their travel portal can get you more value for your points, or you can transfer your points to their partner programs, and book award flights through that. It takes a little more expertise and research to get the best deal and find what you&rsquo;re looking for. But you&rsquo;re likely to get more than 1 cent per point, which can be worth the extra work.</p> <h3>Chase Sapphire Preferred&reg; Card</h3> <p><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=38&amp;pp=3&amp;uv=xcard" rel="nofollow" target="_blank"><img width="154" border="0" src=" http://www.imgsynergy.com/191x120/chase-sapphire-preferred-091814.png" alt="" style="float:right;margin:0 10px;" /></a>The <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=38&amp;pp=3&amp;uv=xname">Chase Sapphire Preferred&reg; Card</a> is a popular option among frequent travelers. Earn 2X points on travel and dining at restaurants &amp; 1 point per dollar spent on all other purchases worldwide. What sets this card apart from the rest is the 1:1 point transfer rate to participating travel programs and the opportunity to get 20% off travel when you redeem points through Chase Ultimate Rewards. Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That&rsquo;s $625 in travel when you redeem through Chase Ultimate Rewards&reg;. There is an introductory annual fee of $0 the first year, then $95.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=38&amp;pp=3&amp;uv=xend">Click here to learn more and apply for the Chase Sapphire Preferred&reg; Card today!</a></strong></p> <h3>Premier Rewards Gold Card from American Express</h3> <p><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=3&amp;pp=4&amp;uv=xcard" rel="nofollow" target="_blank"><img width="154" border="0" src=" http://www.imgsynergy.com/191x120/premier-rewards-gold-card-111715.png" alt="" style="float:right;margin:0 10px;" /></a>If you have the <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=3&amp;pp=4&amp;uv=xname">Premier Rewards Gold Card from American Express</a>, you get 3x points for flights booked directly from airlines, 2x points at US gas stations, US supermarkets, and at US restaurants, and 1x points on other purchases. New cardholders can receive 25,000 points after spending $2,000 within the first 3 months. Plus, you get a $100 airline fee credit each year for baggage fees and more at one airline, and a $75 hotel credit on qualifying charges. With the Membership Rewards program, you can use the points you&rsquo;ve earned to book your next hotel, flight, vacation, or cruise. Note that this is a charge card, which means that you have to pay the balance in full each month. The $195 annual fee is waived the first year. Terms and limitations apply.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=3&amp;pp=4&amp;uv=xend">Click here to learn more and apply for the Premier Rewards Gold Card from American Express today!</a></strong></p> <h2>Co-branded Travel Credit Cards</h2> <p>If you're a frequent traveler with one particular airline or hotel, you will probably be best off using a <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">co-branded card</a>. By adding your credit card rewards to the miles you earn from flying, you will be able to earn free travel even faster. In addition, credit cards that are co-branded with either an airline or a hotel loyalty program can offer valuable benefits. For example, an airline credit card will frequently offer free checked bags, priority boarding and discounts on in-flight food and entertainment. <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">Hotel cards</a> frequently offer elite status in the <a href="http://www.wisebread.com/breakdown-of-benefits-and-value-of-the-best-hotel-rewards-programs-and-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">hotel's loyalty program</a> which can feature room upgrades, late checkouts and even free breakfasts.</p> <h3>The JetBlue Card</h3> <p><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=103&amp;pp=5&amp;uv=xcard" rel="nofollow" target="_blank"><img width="154" border="0" src=" http://www.imgsynergy.com/191x120/the-jetblue-card-030916.png" alt="" style="float:right;margin:0 10px;" /></a>Loyal JetBlue customers can use the <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=103&amp;pp=5&amp;uv=xname">JetBlue Card</a> to get more for their travel spending. This card awards 3x points for JetBlue purchases, 2x points for restaurants and groceries, and 1x points for all other purchases. New cardholders get a bonus of 5,000 points if you make $1,000 in purchases with the card in the first 90 days. Redeem points for any seat, at any time on JetBlue-operated flights. Other perks include JetBlue&rsquo;s Family Pooling program, which allows you to share points in a family account, and 50% savings on eligible inflight purchases. This card has no annual fee.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=103&amp;pp=5&amp;uv=xend">Click here to learn more and apply for the JetBlue Card today!</a></strong></p> <h3>Citi&reg; / AAdvantage&reg; Platinum Select&reg; MasterCard&reg;</h3> <p><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=52&amp;pp=6&amp;uv=xcard" rel="nofollow" target="_blank"><img width="154" border="0" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/CitiAAdvantagePlatinumSelectMasterCard-0601.jpg" style="float:right;margin:0 10px;" alt="" /></a>The <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=52&amp;pp=6&amp;uv=xname">Citi&reg; / AAdvantage&reg; Platinum Select&reg; MasterCard&reg;</a> from our partner Citi offers double miles on eligible American Airlines purchases and one mile for each dollar spent everywhere else. New cardholders can earn 30,000 bonus miles after making $1,000 in purchases within the first 3 months of account opening. Miles can be redeemed for award flights with American Airlines and other OneWorld airline partners. You also receive a 10% rebate on your redemptions, up to 10,000 miles each calendar year. Other perks include priority boarding, in-flight discounts, first checked bag free, and other travel benefits. There is a $95 annual fee, waived for the first 12 months.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=52&amp;pp=6&amp;uv=xend">Click here to learn more and apply for the Citi&reg; / AAdvantage&reg; Platinum Select&reg; MasterCard&reg; today!</a></strong></p> <h3>Gold Delta SkyMiles&reg; Credit Card from American Express</h3> <p><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=9&amp;pp=7&amp;uv=xcard" rel="nofollow" target="_blank"><img width="154" border="0" src=" http://www.imgsynergy.com/191x120/gold-delta-skymiles-credit-card-from-american-express-022415.png" alt="" style="float:right;margin:0 10px;" /></a>Delta passengers should definitely consider the <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=9&amp;pp=7&amp;uv=xname">Gold Delta SkyMiles&reg; Credit Card from American Express</a>, which offers 2x miles on purchases made directly with Delta and 1 mile on other eligible purchases. New cardholders can earn 30,000 bonus miles after spending $1,000 within the first 3 months, plus a $50 statement credit if you make a Delta purchase within the same period. You also get the first checked bag free for you and up to 8 traveling companions, priority boarding, a discount at Delta&rsquo;s airport lounges, and 20% savings on in-flight food, beverages, and entertainment. There is a $95 annual fee that is waived for the first year. Terms and conditions apply.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=9&amp;pp=7&amp;uv=xend">Click here to learn more and apply for the Gold Delta SkyMiles&reg; Credit Card from American Express today!</a></strong></p> <h3>Starwood Preferred Guest&reg; Credit Card from American Express</h3> <p><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=14&amp;pp=8&amp;uv=xcard" rel="nofollow" target="_blank"><img width="154" border="0" src=" http://www.imgsynergy.com/191x120/starwood-preferred-guest-consumer-081115.png" alt="" style="float:right;margin:0 10px;" /></a>With the <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=14&amp;pp=8&amp;uv=xname">Starwood Preferred Guest&reg; Credit Card from American Express</a>, you can earn up to 5 Starpoints on purchases at participating SPG hotels -- that's 2 Starpoints for which you may be eligible as a cardmember, plus the 2 or 3 Starpoints for which you may be eligible as an SPG member. Earn 1 point per dollar for other eligible purchases. Plus, get 25,000 bonus Starpoints after making $3,000 in purchases within the first 3 months. You can redeem points for free nights at hotel chains under the Starwood umbrella, including Sheraton, Westin, and La Meridian. You also have the option to transfer points to partner airlines at a 1:1 ratio, redeem for merchandise and charitable contributions, and more. This card has an annual fee of $95 that is waived the first year. Terms and conditions apply.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=14&amp;pp=8&amp;uv=xend">Click here to learn more and apply for the Starwood Preferred Guest&reg; Credit Card from American Express today!</a></strong></p> <h3>Hilton HHonors&trade; Card from American Express</h3> <p><a target="_blank" rel="nofollow" alt="Hilton HHonors&trade; Card from American Express" title="Hilton HHonors&trade; Card from American Express" href="http://ct.wisebread.com/click.php?pg=206&amp;pid=10&amp;pp=9&amp;uv=xcard"><img width="154" height="98" alt="" style="float:right;margin:0 10px;" src="http://www.imgsynergy.com/191x120/hilton-hhonors-card-from-american-express-102015.png" /></a></p> <p>The <a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=206&amp;pid=10&amp;pp=9&amp;uv=xname">Hilton HHonors&trade; Card from American Express</a> offers 7 bonus points for each $1 spent at any participating hotel within the Hilton Portfolio, 5 bonus points for every $1 spent at U.S. supermarkets, at U.S. restaurants, and at U.S. gas stations, and 3 bonus points for every $1 spent on all other purchases. Plus, you can earn 50,000 Hilton HHonors&trade; Bonus Points after you spend $750 in purchases on the card within your first 3 months of card membership. Enjoy the benefits of the Hilton HHonors&trade; Silver status as long as you are a cardmember, which gets you 15% bonus points, 5th night free on Standard Room Reward stays of 5 nights or more, late check-out, and more. Terms and conditions apply. There is no annual fee for this card.</p> <p><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=206&amp;pid=10&amp;pp=9&amp;uv=xend"><strong>Click here to learn more and apply for the Hilton HHonors&trade; Card from American Express today!</strong></a></p> <h2>Cards with Premium Benefits</h2> <p>The final type of travel reward credit card offers premium benefits for people who are looking for comfort and convenience when they travel. These cards offer <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">airport lounge access</a>, <a href="http://www.wisebread.com/the-5-best-credit-cards-with-free-hotel-status-upgrades?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">elite status with hotel programs</a>, as well as a statement credit towards the application fee for the <a href="http://www.wisebread.com/best-credit-cards-that-offer-tsa-pre-check-and-global-entry-reimbursement?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">Global Entry program or TSA precheck</a>. Typically, these type of premium travel reward cards have an annual fee of $400 - $450.</p> <h3>Platinum Card&reg; from American Express</h3> <p><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=11&amp;pp=10&amp;uv=xcard" rel="nofollow" target="_blank"><img width="154" border="0" src=" http://www.imgsynergy.com/191x120/platinum-card-102015.png" alt="" style="float:right;margin:0 10px;" /></a>The <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=11&amp;pp=10&amp;uv=xname">Platinum Card&reg; from American Express</a> offers access to over 900 airport lounges, including the Delta Sky Club, Airspace Lounges, and the American Express Centurion lounges, as well as enrollment in Priority Pass Select. Cardmembers are eligible to receive a $100 Global Entry or $85 TSA PreCheck application fee credit, plus up to $200 a year in statement credits on a qualifying airline for incidentals. This card also comes with complimentary Hilton HHonors Gold status. For each dollar spent, cardholders earn one point in the Membership Rewards program, which you can also transfer to airline miles or hotel points. New cardmembers get 40,000 points after spending $3,000 in the first three months of card membership. There is a $450 annual fee. Terms and conditions apply.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=11&amp;pp=10&amp;uv=xend">Click here to learn more and apply for the Platinum Card&reg; from American Express today!</a></strong></p> <!--<h3>Citi Prestige&reg; Card</h3> <p><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=206&amp;pid=53&amp;pp=11&amp;uv=xcard"><img width="154" border="0" style="float:right;margin:0 10px;" alt="" src=" http://www.wisebread.com/files/fruganomics/u784/10.22-CitiPrestigeCard-191.jpg" /></a>The <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=53&amp;pp=11&amp;uv=xname">Citi Prestige&reg; Card</a> allows you to travel the world in comfort. This card offers $250 in air-travel credits that you can apply to flight-related expenses such as airline tickets, upgrades, or baggage fees, along with $100 Global Entry or TSA Pre-Check application fee reimbursement. You also get access to the American Airlines Admirals Club lounges and VIP lounges in the Priority Pass Select network. When you stay three consecutive nights at any hotel, you may be eligible to receive a complimentary fourth night. As for rewards, you earn 3 points for every dollar spent on air travel and hotels, 2 points for dining and entertainment, and 1 point on other purchases. New cardmembers earn 50,000 points after making $3,000 in purchases within 3 months of account opening. You can redeem points for gift cards, travel, purchases at Amazon.com, and more, or you can transfer points to airline and hotel loyalty programs. There is a $450 annual fee.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=53&amp;pp=11&amp;uv=xend">Click here to learn more and apply for the Citi Prestige&reg; Card today!</a></strong></p>--><!--<h3>Citi Prestige&reg; Card</h3> <p><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=206&amp;pid=53&amp;pp=11&amp;uv=xcard"><img width="154" border="0" style="float:right;margin:0 10px;" alt="" src=" http://www.wisebread.com/files/fruganomics/u784/10.22-CitiPrestigeCard-191.jpg" /></a>The <a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=53&amp;pp=11&amp;uv=xname">Citi Prestige&reg; Card</a> allows you to travel the world in comfort. This card offers $250 in air-travel credits that you can apply to flight-related expenses such as airline tickets, upgrades, or baggage fees, along with $100 Global Entry or TSA Pre-Check application fee reimbursement. You also get access to the American Airlines Admirals Club lounges and VIP lounges in the Priority Pass Select network. When you stay three consecutive nights at any hotel, you may be eligible to receive a complimentary fourth night. As for rewards, you earn 3 points for every dollar spent on air travel and hotels, 2 points for dining and entertainment, and 1 point on other purchases. New cardmembers earn 50,000 points after making $3,000 in purchases within 3 months of account opening. You can redeem points for gift cards, travel, purchases at Amazon.com, and more, or you can transfer points to airline and hotel loyalty programs. There is a $450 annual fee.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=53&amp;pp=11&amp;uv=xend">Click here to learn more and apply for the Citi Prestige&reg; Card today!</a></strong></p>--><h2>Which type is best for you?<strong> </strong></h2> <p>For those who don&rsquo;t travel often but want to rack up points for a cheap or free vacation, a card that offers a statement credit on travel purchases or discounts through its travel portal will be ideal. In addition, the programs that offer transfers to airline miles and hotel points can be great for award travel enthusiasts who really know how to get the most value from different frequent flyer programs.</p> <p>But for loyal customers of a particular airline or hotel program that travel at least a few times a year, a co-branded travel rewards card will be the fastest way to earn free travel while enjoying benefits that make travel more convenient and comfortable.</p> <p>The premium travel reward cards are for those who consider their benefits invaluable and are willing to pay a high annual fee for the advantages. And while these cardholders also earn flexible travel reward points that can be transferred to airline miles, the main reason to consider a card is for its perks like <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">airport lounge access</a>, <a href="http://www.wisebread.com/what-do-the-concierge-services-from-credit-cards-really-provide?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">personal concierge assistance</a>, and more.</p> <p>By understanding <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">how different types of travel rewards credit cards work</a> and examining how you will use a particular travel rewards card, you can choose type of card that will offer you the most rewards and benefits.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</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-best-credit-cards-for-travel-purchases">5 Best Credit Cards for Travel Purchases</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards">The 5 Best 0% Balance Transfer Credit Cards</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/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</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-best-cash-back-credit-cards">5 Best Cash Back Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards best credit cards travel Mon, 27 Jun 2016 10:30:08 +0000 Jason Steele 1713142 at http://www.wisebread.com 14 Useful Items Hotels Usually Provide for Free http://www.wisebread.com/14-useful-items-hotels-usually-provide-for-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-useful-items-hotels-usually-provide-for-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/33142202.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We've all been there. You're in that pre-trip rush, and you forget to pack an essential travel item, or just need a little something extra when you arrive at the hotel. Before you make that trip to the gift shop or convenience store, swing by the front desk. Many hotels are well-stocked with freebies and extras for road-weary travelers. Here are 14 useful items hotels usually provide free of charge.</p> <h2>1. Extra Pillows and Blankets</h2> <p>I'm man enough to admit it &mdash; I need at least five pillows (two on each side and one under my head) to get a good night's sleep. In recent years, hotels have begun to appreciate how important pillows are to the guest experience. Besides offering an extra pillow or two upon request, major chains such as Holiday Inn now offer quests pillow menus &mdash; just pick your pillows based on the preferred firmness level.</p> <h2>2. Roll-Away Beds</h2> <p>Many hotels will provide a rollaway bed for an unexpected guest or to accommodate an unusually large group. It may not be the most comfortable way to sleep, but it beats the floor.</p> <h2>3. Nightlights</h2> <p>Nightlights can help small children and the elderly navigate unfamiliar spaces. Higher-end chains provide nightlights to guests upon request.</p> <h2>4. Earplugs</h2> <p>Though providing guests with free earplugs may imply a less-than-ideal location, they're part of the standard offerings at La Quinta and DoubleTree hotels. These chains have realized an important truth: Cities (and guests!) can be noisy &mdash; especially during big events. Often, a disposable pair of foam earplugs can mean the difference between a decent sleep and a fitful night of tossing and turning. (See also: <a href="http://www.wisebread.com/tips-for-sounder-sleep-at-hotels?ref=seealso">Tips for Sounder Sleep at Hotels</a>)</p> <h2>5. Sewing Kits</h2> <p>Have a loose button or split seam? Don't come unraveled. Many large hotel chains have complementary sewing kits on-hand for just such wardrobe malfunctions.</p> <h2>6. Activities for Kids</h2> <p>An occupied kid is a happy kid. If you forgot to pack your little one's favorite toy, ask the hotel staff to help. Many chains offer coloring books and crayons, word search books, and other age-appropriate material that promotes nearby attractions. (See also: <a href="http://www.wisebread.com/9-things-you-must-do-if-youre-traveling-with-kids?ref=seealso">9 Things You Must Do If You're Traveling With Kids</a>)</p> <h2>7. Board Games</h2> <p>Snowed in? Rained out? Many hotels will deliver board games to guests' rooms or provide them as part of the amenities in the lobby.</p> <h2>8. Books</h2> <p><a href="https://www.countryinns.com/feature.do?feature=riar">Country Inn &amp; Suites' Read It &amp; Return It Lending Library</a> lets guests borrow a book free of charge. It's pressure-free. Readers who haven't finished the book by the end of their stay can just return it next time. How's that for service?</p> <h2>9. Phone Chargers</h2> <p>Who hasn't left for vacation and completely forgotten their cellphone charger? When (not if) this happens to you, your friendly hotel staff can help. Most hotels have a respectable collection of chargers left behind by previous guests and are happy to pass one on.</p> <h2>10. Toothpaste and Toothbrushes</h2> <p>Got a wicked case of morning breath? Basic oral hygiene products like toothpaste, mouthwash, floss, and even toothbrushes are available at the front desk.</p> <h2>11. Razors</h2> <p>Have an important meeting but forgot to pack a razor? Never fear. Savvy hotels &mdash; especially those that cater to business travelers &mdash; usually keep a stash of extras at the front desk.</p> <h2>12. Curling Irons and Straightening Irons</h2> <p>Ladies, if you've forgotten your curling or straightening iron, don't despair. Many top hotels chains such as Kimpton and Hyatt have loaners on-hand. Check with the front desk staff and don't miss a beat in your morning routine.</p> <h2>13. Snacks</h2> <p>We're all familiar with the complementary coffee and cookies available in most hotel lobbies. But some of the more accommodating hotel staff members will raid the continental breakfast bar after hours to help a guest in need. Yogurt, fruit, energy bars, and bottles of juice are the standard fare and will work in a pinch.</p> <h2>14. Dog Treats</h2> <p>Pets are family and pet owners are loyal to hotels that don't forget Fido. Many pet-friendly hotels provide free dog treats and even loan out food and water bowls for their four-legged guests.</p> <p><em>What's the most surprising thing you've received for no charge at a hotel? What do you wish more hotels offered their guests? Share with us!</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F14-useful-items-hotels-usually-provide-for-free&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F14%20Useful%20Items%20Hotels%20Usually%20Provide%20for%20Free_0.jpg&amp;description=14%20Useful%20Items%20Hotels%20Usually%20Provide%20for%20Free" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/14%20Useful%20Items%20Hotels%20Usually%20Provide%20for%20Free_0.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/14-useful-items-hotels-usually-provide-for-free">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</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/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</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-ways-to-save-on-smartphone-costs-while-traveling">8 Ways to Save on Smartphone Costs While Traveling</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/8-ways-to-save-on-accommodations-online">8 Ways to Save on Accommodations Online</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/is-your-hotel-hiding-these-5-fees-in-your-bill">Is Your Hotel Hiding These 5 Fees in Your Bill?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel beauty products free stuff hotel hotel amenities travel travel accessories travel hacks travel tips Thu, 23 Jun 2016 10:00:07 +0000 Kentin Waits 1737238 at http://www.wisebread.com Easy Ways to Save on 7 Everyday Buys http://www.wisebread.com/easy-ways-to-save-on-7-everyday-buys <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/easy-ways-to-save-on-7-everyday-buys" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_33629166_XLARGE.jpg" alt="saving money on everyday buys" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are some payments and purchases you make because you have to, like gas, insurance, and a mortgage &mdash; but there are others that you make because they make you feel good. By saving money on your favorite purchases, you'll likely purchase them more often and thus, have a happier and more fulfilling life.</p> <p>Here's how you can save money on your favorite everyday things.</p> <h2>1. Restaurants</h2> <p>We all love dining out for a meal. But dinner at a nice restaurant can quickly eat up your budget, especially if you're going out two or three times a week. If you're a person who loves to go out for food, there are three things you should explore:</p> <ul> <li><a href="http://www.tkqlhce.com/click-2822544-12562208-1462979854000">Groupon</a>: With restaurant discounts of up to 75%, you could essentially go out three times as often as you do now, for the same price.</li> <li><a href="http://www.jdoqocy.com/click-2822544-10849242-1415311741000">Restaurant.com</a>: Get $25 certificates for as low as $4. Note that they have a new batch of certificates at the beginning of each month, and costs will keep going down as the month progresses, but it also might mean that the certificates for the restaurants you want will be sold out. No matter when you buy them, you'll still get a nice discount on your meal.</li> <li><a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">Rewards Credit Cards for Dining Out</a>: Use the best credit card that offers rewards at restaurants, for example the <a href="http://www.wisebread.com/chase-sapphire-preferred-review?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">Chase Sapphire Preferred Card</a> offers 2x points for dining. Or a general <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">cash back credit card</a> like the <a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">Capital One Quicksilver Cash Rewards Credit Card</a>, which offers unlimited 1.5% cash back on all purchases.</li> </ul> <h2>2. Travel</h2> <p>Once you become a Groupon member, you can get discounts on vacation packages, but once you're in the country, you should also look for local discount cards. Simply run a Google search with your planned destination and &quot;discount card.&quot; It should be something like this: &quot;Venice Discount Card.&quot;</p> <p>The Venice discount card has excellent discounts on transport, sights, and cultural events. You can find similar discount cards in Bangkok, <a href="http://www.cancun-discounts.com/cancun-discount-card.htm">Cancun</a>, <a href="https://www.parispass.com/">Paris</a>, <a href="https://www.londonpass.com/">London</a> and pretty much every major tourist town.</p> <p>You may be surprised how often there's a discount card on offer and these things can save you a lot of money! In Malta for example, the Malta Discount Card saves 50% off at dozens of restaurants, as well as discounts on tours, attractions, and water sports. You're likely to pay off the cost of the card within a day, so I recommend always searching for them before going anywhere.</p> <h2>3. Alcohol</h2> <p>Costco, Costco, Costco. You probably already have a number of Kirkland products in your house, but did you know that Kirkland alcohol was compared in a <a href="https://www.youtube.com/watch?v=oei8K2TYg9s">blind taste test</a> and the tasters couldn't decide if the expensive brands were better than Kirkland?</p> <p>They weren't drinking the liquor with mixers, either. Straight up, these people couldn't agree on the better booze. The Kirkland brand alcohol is as much as 75% cheaper, and if the experts can't tell the difference, you should probably get your buzz on for a bit less with the Costco brand. (See also: <a href="http://www.wisebread.com/the-new-costco-anywhere-visa-card-by-citi-is-good-news-for-costco-shoppers">Get Cash Back on Your Costco Shopping</a>)</p> <h2>4. Movies</h2> <p>Head to the library. You remember that stuffy, quiet place where you had to go to get information in the '80s? As libraries are becoming more and more obsolete, they've made some efforts to bring in new clientele. One of the ways they've done this is by adding DVDs to their inventory.</p> <p>Go to the library, apply for a library card, and take out as many DVDs as you want. They even stock some TV series box sets, so you can save a few bucks of your cable bill as well.</p> <h2>5. Coffee</h2> <p>Stop going to Starbucks! That $3 Americano that you're buying could be made at home for much less.</p> <p>Pick up a <a href="https://www.amazon.com/gp/product/B00P0ZMWEC/ref=as_li_tl?ie=UTF8&amp;tag=wisbre03-20&amp;camp=1789&amp;creative=9325&amp;linkCode=as2&amp;creativeASIN=B00P0ZMWEC&amp;linkId=8bd38a03a49d9f429ee6f94b039d1276">2.2 pound bag of delicious Lavazza Espresso</a> on Amazon for under $20, then buy yourself a <a href="https://www.amazon.com/gp/product/B00H2BQATK/ref=as_li_tl?ie=UTF8&amp;tag=wisbre03-20&amp;camp=1789&amp;creative=9325&amp;linkCode=as2&amp;creativeASIN=B00H2BQATK&amp;linkId=51aa792433c4a0820c782f0aaf0ed330">Handpresso machine</a>. This thing can make the perfect cup of espresso every time, plus it's compact, and you don't need electricity to use it so you can take it anywhere.</p> <p>That 2.2 pound bag of coffee will make 120 cups of Americano coffee, meaning that each cup will cost you less than 17 cents, rather than $3. By the time you finish that bag, you'll have saved $340 on coffee, which pays off the cost of the Handpresso machine two times over!</p> <h2>6. Yoga</h2> <p>Your yoga instructor may not be happy that I'm telling you this, but you can get free Yoga classes on YouTube every day. There are some excellent channels like <a href="https://www.youtube.com/user/FreeYogaTV">Free Yoga TV</a>, that have professional yogis giving quality classes online for zero dollars.</p> <p>The best part of YouTube yoga, is that you can play it from your smartphone and turn pretty much anywhere into your own personal yoga studio. No more having to head to the gym or yoga center. Lock the door in your office, lay down a mat, and stretch to your heart's content.</p> <h2>7. Groceries</h2> <p>If you're not a foodie who loves to cook at home, maybe groceries aren't one of your favorite purchases. But even so, they're a costly budget item that everyone has to purchase every week. With <a href="https://itunes.apple.com/app/grocery-pal/id339684652?mt=8">Grocery Pal</a>, <a href="http://www.couponsherpa.com/mobile-coupons/">Coupon Sherpa</a>, and the right credit cards, you can save a lot of money on your groceries.</p> <p>Grocery Pal helps you find weekly sales at your local supermarkets, like Safeway, Whole Foods, Smart&amp;Final, Walmart, Target, and more. Coupon Sherpa helps you find all the right coupons for the stuff in your cart, and <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">credit cards that reward grocery purchases</a> will put more money back into your wallet. For example, the <a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">Blue Cash Preferred Card from American Express</a> will give you 6% cash back on your supermarket purchases! Terms and limitations apply.</p> <p><em>What are your favorite purchases, and how do you save money on them? Share with everyone in the comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/easy-ways-to-save-on-7-everyday-buys">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/never-use-cash-for-these-11-things">Never Use Cash for These 11 Things</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-smart-ways-to-save-on-audio-books">8 Smart Ways to Save on Audio Books</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-ways-your-credit-card-will-save-you-money-while-holiday-shopping">11 Ways Your Credit Card Will Save You Money While Holiday Shopping</a></span> </div> </li> <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/3-smart-ways-to-save-on-fathers-day">3 Smart Ways to Save on Father&#039;s Day</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/this-simple-shopping-list-strategy-from-5-meal-plan-will-save-you-big">This Simple Shopping List Strategy From $5 Meal Plan Will Save You Big</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Entertainment Shopping budgeting coffee credit cards groceries restaurants saving money shopping travel vacation Tue, 21 Jun 2016 10:30:05 +0000 Nick Wharton 1735240 at http://www.wisebread.com 8 $100k+ Jobs You Can Do Online http://www.wisebread.com/8-100k-jobs-you-can-do-online <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-100k-jobs-you-can-do-online" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_makeup_kit_000084480065.jpg" alt="Woman finding online jobs that can earn $100K" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Work no longer has to be a place. As the world of web-entrepreneurship and digital nomadic life becomes more and more mainstream, people are starting to realize that it's easier than ever to make good money online. These aren't get rich quick schemes by any means, and it will take a considerable amount of time and commitment to truly excel in these fields, but who doesn't want to earn $100K per year from virtually anywhere in the world? Here are five jobs that can help you do just that.</p> <h2>1. Travel Blogger</h2> <p>If you thought that travel blogging was just a hobby, you're not alone. In fact, before I started <a href="http://www.goatsontheroad.com/">my travel blog</a> in 2011, I had no idea that I would one day be earning over $10,000 a month after tax, doing what I love.</p> <p>The great thing about becoming a travel blogger is the perks that come along with the salary. $100,000 a year sounds great, but when you couple that with airlines flying you for free and tourism boards paying for all of your accommodations, food, and travel, it's pretty much the ultimate dream job.</p> <p>Travel bloggers who are doing it right barely have any day-to-day expenses, despite the fact that they&rsquo;re living a life fit for millionaires. Because there are literally thousands of travel blogs online, the market is definitely saturated, but that doesn't mean it's impossible to etch out a niche and make real money from this line of work.</p> <p>If you want to leave your cubicle behind and turn the world into your office, consider learning <a href="http://www.goatsontheroad.com/how-to-start-a-travel-blog/">how to start travel a blog</a> today. It could change your life.</p> <h3>$100K+ Examples:</h3> <ul> <li>Matt Karsten &mdash; <a href="http://expertvagabond.com/paid-to-travel-world/">Expert Vagabond</a></li> <li>Caz and Craig &mdash; <a href="http://ytravelblog.com/">yTravelBlog</a></li> <li>Natalie Sisson &mdash; <a href="http://suitcaseentrepreneur.com/">Suitcase Entrepreneur</a></li> <li>Nick &amp; Dariece - <a href="http://goatsontheroad.com">Goats On The Road</a></li> </ul> <h2>2. Internet Poker Player</h2> <p>If you love a good game of five-card stud, this job may just sound like it's too good to be true. The fact that you can sit on your computer and play digital poker, while looking out at a Caribbean beach, is a dreamlike thought for sure.</p> <p>But for online gamblers like Patrick Leonard, it is not uncommon to have single days where winnings break the $100,000 mark. Forget making more than six-figures per year, this guy once earned $220,000 on a rainy Sunday afternoon in Hungary (where he currently lives).</p> <p>It should be noted that most estimates point to 90% of all online poker players coming out on the losing end, which is why online poker sites make so much money. But if you're a freakishly good poker player like Patrick, you could make it rain digital dollars all over the world.</p> <h3>$100K+ Examples:</h3> <ul> <li>Diego Ventura</li> <li>Patrick Leonard</li> </ul> <h2>3. Web Designer</h2> <p>Designing websites can be a lucrative career, especially if you build a name for yourself and you start having big brands knocking on your door, asking you to pimp their blogs. Of course becoming a web designer isn't something you can do overnight.</p> <p>Have you ever seen the code behind a website? It's an entire language that you have to learn before you can start to customize the look of the web. But if you have a background in CSS, HTML, PHP, and other geeky web acronyms, then you can probably earn a good living from your computer, no matter where you are in the world.</p> <h3>$100K+ Examples:</h3> <ul> <li>Scott Eldridge &mdash; <a href="http://www.eldowebdesign.co.uk/">Eldo Web Design</a></li> <li>Preston Lee &mdash; <a href="http://millo.co/">millo.co</a></li> <li>Paul Jarvis &mdash; <a href="http://creativeclass.io/">creativeclass.io</a></li> </ul> <h2>4. Day Trader</h2> <p>For some reason, the sound of day trading on the stock market already has a wealthy ring to it. You may picture a dude with slicked back hair, holding a glass of scotch while betting on the changing stock market from a five-star hotel in Maui. Well, if you go to successful day trader <a href="http://wanderingtrader.com/about/">Marcello Arrambide's website</a>, you'll see just that.</p> <p>Like online poker playing, making money as a day trader is a gamble and if you have no prior experience, you're likely to lose before you gain &mdash; but this job is no joke. Some top earners are making upward of $20,000 a month, and they can do it from anywhere that has a decent Wi-Fi connection.</p> <h3>$100K+ Examples:</h3> <ul> <li>Marcello Arrambide &mdash; <a href="http://wanderingtrader.com/about/">The Wandering Trader</a></li> <li>Steve Gomez &mdash; <a href="https://www.youtube.com/user/sgomez858">Today Trader</a></li> </ul> <h2>5. Travel Writer</h2> <p>The difference between a travel <em>writer </em>and a travel <em>blogger </em>is that a travel writer is getting paid to write for other publications, while a travel blogger is probably making most (or all) of their income from writing on their own site.</p> <p>Earning six figures a year as a freelance writer is a difficult job indeed. Tim Leffel, one of the world's leading experts in travel writing, explains that making money as a freelance writer is truly a world of feast and famine. One minute you can have numerous publications waiting to feature you, while the next, you may be barely earning anything, just waiting for an assignment.</p> <p>Despite the relative uncertainty of income, some of the world's top-earning travel writers do take home $100K a year or more and they live a life that many of us could only dream of. Exploring the world, getting published in big magazines, and sharing their stories and adventures with millions of people. What a life.</p> <h3>$100K+ Examples:</h3> <ul> <li>Tim Leffel &mdash; <a href="http://travelwriting2.com/about/">Travel Writing 2.0</a></li> <li>Carol Tice &mdash; <a href="http://www.makealivingwriting.com/about-carol/">Make a Living Writing</a></li> </ul> <h2>6. YouTuber</h2> <p>If you read the word &quot;YouTuber&quot; and immediately thought that there's no way anyone is making real money from uploading videos to YouTube, you might just pass out when I tell you that the top earning YouTuber, Felix Kjellberg, is grossing over $12 million per annum.</p> <p>The 25-year-old Swede runs the popular gaming channel PewDiePie, and he is not alone in making millions of dollars from Internet videos. Rhett McLaughlin and Charles Lincoln Neal III made over $4 million in 2015 and there are literally dozens of other creators making seven to eight figures per year from their YouTube channels.</p> <p>For channels to earn this much money, they have to have a huge following. The top 10 YouTubers have a combined subscriber base of more than 230 million viewers and their most watched videos have had more views than the 2015 Super Bowl.</p> <p>Taking all of this into consideration, it's no surprise that these artists are making big money. If you're just starting out as a YouTuber, it may feel like you have nobody watching your videos, but if you promote yourself and market your channel properly, you could one day earn a solid income from embedded ads and sponsorships.</p> <h3>$100K+ Examples:</h3> <ul> <li>Felix Kjellberg &mdash; <a href="https://www.youtube.com/user/PewDiePie/videos?view=0&amp;flow=grid&amp;sort=p">PewDiePie</a></li> <li>Rhett and Link &mdash; <a href="https://www.youtube.com/user/rhettandlink2">Good Mythical Morning</a></li> </ul> <h2>7. App Programmer</h2> <p>Have you ever played the game Candy Crush on your smartphone? While you were aligning jelly beans and stopping chocolate blockers, you probably weren't aware that the app currently earns $277,500,000 yearly. That's right, the addictive finger swiping platform earns two hundred seventy-seven million five hundred thousand dollars every year. That's $3.5 million per day.</p> <p>Of course, the average programmer isn't going to make as much as Toby Rowland, the creator of the Sugar Crush Saga, but there are many app developers out there making good money from their digital creations.</p> <p>Simon Fairbairn and Erin McNeaney of <a href="http://www.neverendingvoyage.com/">Never Ending Voyage</a> have created a brilliant travel app called <a href="https://itunes.apple.com/us/app/trail-wallet-travel-budget/id547171665?mt=8">Trail Wallet</a> that is selling very well in the App Store and earning them a reliable income. The app helps travelers to track their budget and has been downloaded thousands of times from the app store.</p> <h3>$100K+ Examples:</h3> <ul> <li>Tasnim Ahmed &mdash; <a href="https://itunes.apple.com/us/app/santa-claus-merry-christmas/id764935420?mt=8">Santa Claus Photo Booth</a></li> <li>Ethan Nicholas &mdash; <a href="http://appadvice.com/appnn/2009/02/ishoot-developer-makes-600000-in-one-month">iShoot</a></li> </ul> <h2>8. Affiliate Marketing Guru</h2> <p>What is affiliate marketing? According to Pat Flynn, founder of the <a href="http://smartpassiveincome.com/">Smart Passive Income Blog</a>: &quot;It's the process of earning a commission by promoting other people's (or company's) products. You find a product you like, promote it to others, and earn a piece of the profit for each sale that you make.&quot;</p> <p>Forget earning $100,000 a year, Pat earns that every month and he does so using a passive income model, which means he doesn't spend every waking hour of his life on his computer. His blog is the most informative on the subject and he helps to teach others how to make a full-time income from affiliate sales.</p> <p>While having a blog with a huge amount of traffic like Pat's definitely helps to generate sales, there are plenty of people with much less traffic who are still making a lot of money through affiliate marketing. If earning money in your sleep sounds appealing to you, you may want to check out Pat's blog and consider starting your own blog today.</p> <h3>$100K+ Examples:</h3> <ul> <li>Pat Flynn &mdash; <a href="http://www.smartpassiveincome.com/">Smart Passive Income</a></li> <li>Steve Scott &mdash; <a href="http://www.stevescottsite.com/affiliate-marketing-strategies">SteveScottSite.com</a></li> </ul> <h2>You Can Do It &hellip;</h2> <p>These jobs may have once been reserved for people with fancy degrees, a background in technology, or Internet geniuses, but these days there are enough resources online that pretty much anyone can make money from their computers.</p> <p>Like the people in the examples above, you could work hard and one day be earning a six-figure income from your laptop. The great thing about computer work is that you can start it in your free time, while you&rsquo;re still working your normal job. If your online business takes off, you can retire to a life of digital freedom.</p> <p><em>Have you or someone you know earned a good income online? How did it work? Share with us in the comments below.</em></p> <h2 style="text-align: center;">Like This Article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-100k-jobs-you-can-do-online&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8.jpg&amp;description=Here%20are%208%20Online%20jobs%20that%20can%20earn%20you%20%24100K%20%2F%20year%20or%20more!" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8.jpg" alt="$100K online jobs" width="200" height="300" align="middle" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/8-100k-jobs-you-can-do-online">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-a-legit-virtual-assistant-job">How to Find a Legit Virtual Assistant Job</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-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</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/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-words-to-never-use-in-a-job-interview">10 Words to Never Use in a Job Interview</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting day trader high paying jobs online jobs poker six figures travel work from home YouTube Mon, 20 Jun 2016 10:30:05 +0000 Nick Wharton 1721733 at http://www.wisebread.com Never Borrow Money for These 5 Buys http://www.wisebread.com/never-borrow-money-for-these-5-buys <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/never-borrow-money-for-these-5-buys" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_boat_ride_000021453043.jpg" alt="Friends talking about what they should never borrow money for" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While there is a time and a place for credit &mdash; most of us won't ever be able to pay cash for a home, a college education, or even a car &mdash; there are also times when it should be avoided, at all costs.</p> <p>It's difficult to delay gratification. It doesn't help that there's always a credit card or personal loan application in the mail. Still, there are certain times when it absolutely does not make sense to borrow money to make a purchase. For these big ticket items, think hard before you swipe your card or apply for that credit line. (See also:&nbsp;<a href="http://www.wisebread.com/7-ways-pride-is-keeping-you-poor?ref=seealso" target="_blank">7 Ways Pride Is Keeping You Poor</a>)</p> <h2>1. A Boat</h2> <p>Depending on the boat purchased, a payment could equal the cost of a new car payment or &mdash; for a more luxurious option &mdash; the cost of a mortgage. At the same time, <a href="http://www.boatus.com/boatloans/">current boat loan rates</a> range from about 4.5% for a $350,000 boat to as high as 6.25% for a $25,000 boat. That means that over a 15-year term, a modest $25,000 boat could end up costing $38,584. That's $13,584 more than the original sticker price.</p> <p>When it comes to boating, though, the cost of the vessel is often the cheapest part of ownership. Additional costs to consider are state taxes, slip fees, winter storage, registration and licensing, fuel, insurance, and maintenance. Mint recently estimated the annual cost of a $20,000 boat upkeep at $4,300 per year or $358 per month.</p> <h2>2. Your Wedding</h2> <p>Getting married is one of the most exciting times in a young person's life, and yet&hellip; many don't fully realize all the costs that come after embarking on a new life together. Not everyone makes the same life choices, of course, but houses, children, college tuition, retirement accounts, and even new cars are expensive life items that many new couples choose to buy or fund as they build their lives together.</p> <p>Starting a journey together with a pricey loan with a high interest rate is an expensive way to handicap yourself as you work to build a financially stable life together. When planning a wedding, it can be helpful to remember that it's just a big party. You'll have the memories when it's over, but it's the foundation that the marriage is built upon that's really most important. And that doesn't cost a dime.</p> <h2>3. Jewelry</h2> <p>High-end jewelry like engagement rings or tennis bracelets are expensive enough without adding in the financing costs. It may seem like good news that many jewelry stores are willing to help defray the costs by offering zero interest if the purchase is paid off within six or 12 months (depending on the store) but beware, there's usually a catch.</p> <p>Miss one payment or fail to pay off the balance before the due date and, for most of the stores, interest will become due for the <em>entire </em>original balance &mdash; and it's usually at a rate that's somewhere between 23% and 29%. That means that a $5,200 ring (the average wedding ring cost) could end up costing an additional $1,461 in interest payments alone, assuming a 25% interest rate and a two-year term.</p> <h2>4. Furniture and Consumer Electronics</h2> <p>Store issued credit cards are common upsells at the cash register and, if you're buying a big ticket item like a new sofa or flat screen TV, it's easy to be tempted by the seemingly attractive financing terms. What many credit consumers don't realize is that store cards typically work in a similar way as jewelry financing, as described above.</p> <p>The offer may state 12-months, zero APR (or 12-months, same as cash), but miss a payment and you'll reset the clock, finding yourself responsible for interest payments from the date of purchase, not from the date when the payment was missed. For a $4,000 furniture purchase, a missed payment could add $1,400 in interest to the bill, assuming a 24.99% interest rate and a 24-month term. In other words, that financed furniture (or computer or refrigerator or&hellip; well, you get the idea) could end up costing you a lot more than you expected.</p> <h2>5. Vacation</h2> <p>Most vacations last a week or less but, if you take out a personal loan or swipe a credit card to fund the getaway, it won't just be the memories that last a lifetime. Earlier this year, MarketWatch determined that you could <a href="http://www.marketwatch.com/story/how-long-does-it-take-to-clear-a-2000-credit-card-with-minimum-payments-2015-07-07">raise a child from infancy</a> to adulthood before you could repay a $2,000 credit card balance with a 18% annual rate, if you're making just the monthly minimum payment. That's 30 years in repayment, based on their analysis, and an extra $4,931 in interest payments.</p> <p>For many purchases, buying on credit can cause a lot of financial strain. Before you buy, it's important to understand the full cost of the purchase, including the cost of credit. Most times, you'd be much better served by saving up, instead of swiping your card. Think before you borrow. Your wallet will thank you.</p> <p><em>What purchases do you refuse to make on credit?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/alaina-tweddale">Alaina Tweddale</a> of <a href="http://www.wisebread.com/never-borrow-money-for-these-5-buys">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-surprising-ways-bad-credit-can-hurt-you">15 Surprising Ways Bad Credit Can Hurt 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/4-purchases-with-financing-options-that-depreciate-fast">4 Purchases With Financing Options That Depreciate Fast</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-much-engagement-ring-can-you-actually-afford">How Much Engagement Ring Can You Actually Afford?</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/insights-from-the-worlds-9-most-frugal-cultures">Insights From the World&#039;s 9 Most Frugal Cultures</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/best-of-personal-finance-credit-where-credit-is-due-edition">Best of Personal Finance: Credit Where Credit Is Due Edition</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting bad money moves boats borrowing money credit history debt furniture interest jewelry loans travel weddings Tue, 24 May 2016 10:00:10 +0000 Alaina Tweddale 1711683 at http://www.wisebread.com 6 Ways to Save On Baggage Fees http://www.wisebread.com/6-ways-to-save-on-baggage-fees <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-save-on-baggage-fees" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_luggage_000081890955.jpg" alt="Woman learning how to save on airline baggage fees" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Since May, 2008 when American Airlines announced that it would be the first U.S. airline to charge for <em>every </em>checked bag, it's been downhill for frugal flight passengers. Now, nearly every airline in the U.S. and Canada charges around $25 for the first bag their customers check (and more for the second and third). But don't worry! You can avoid these fees if you're a savvy flyer. In this article, I'm going to break down six cures to the checked baggage fee epidemic.</p> <h2>The Costs</h2> <p>Before getting into how we can save on bags, let's go over the costs.</p> <p>Generally airlines charge $25 for the first checked bag for each direction of your journey, meaning you'll pay $50 for a roundtrip flight. While $50 may not sound like a crippling fee, when you're hunting for a great deal on a flight, it can end up being a large percentage of your overall fare &mdash; and that's just for one checked bag.</p> <p>That $50 is a steak dinner for two, it's eight beers at a nice restaurant, it's a nice bottle of wine and a museum entry ticket. That $50 is enough to make you think twice about your baggage fees on your next flight.</p> <p>If you're traveling with a family, you can save upwards of $125 each journey (much more if your bags are overweight). So let's get started with some tips.</p> <h2>1. Become Elite</h2> <p>If you're a frequent flyer (usually 25,000+ miles per year), you can become an elite member of your frequent flyer program and reap some pretty amazing rewards. One of them will likely be free checked bags on your flights. Other rewards include free upgrades, free food, and unlimited booze.</p> <p>American Airline's AAdvantage program offers one free checked bag for Gold members, two for Platinum members, and three for Executive Platinum members.</p> <p>If you don't think that you're going to be traveling all the way around the world and back each year and thus don't qualify for elite status, then you may want to utilize the next tip instead.</p> <h2>2. Use the Right Credit Card</h2> <p>Airline loyalty programs like <a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Delta SkyMiles</a>, <a href="http://www.wisebread.com/which-united-mileageplus-credit-card-should-you-get">United MileagePlus</a>, <a href="http://www.wisebread.com/which-american-airlines-us-airways-credit-card-should-you-get">American Airlines AAdvantage</a>, <a href="http://www.wisebread.com/earn-award-flights-faster-with-the-jetblue-rewards-mastercard-from-barclaycard">JetBlue TrueBlue</a>, and <a href="http://www.wisebread.com/best-domestic-frequent-flyer-program-southwest-airlines-rapid-rewards-premier-credit-card">Southwest Rapid Rewards</a> all have their line of <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards">co-branded credit cards</a>. These credit cards offer a variety of travel perks, including free checked baggage.</p> <p>If you're a frequent flyer, or you always fly with the same airline or airline partner, then you should definitely consider choosing a credit card that will maximize your flight benefits with that airline. Baggage fees are usually just the tip of the iceberg when it comes to credit card rewards. You can earn some pretty nice perks by putting your flight purchases on the right credit card.</p> <h2>3. Pack Smart</h2> <p>In 2010, Spirit Airlines started charging for carry-on bags, but luckily no other airlines (aside from Frontier) have followed suit so far. This means that you can sometimes pack all of your things into a carry-on sized bag to avoid baggage fees. You might be surprised at how easy this can be done! (See also: <a href="http://www.wisebread.com/15-packing-secrets-from-a-professional-traveler?ref=seealso">15 Packing Secrets From a Professional Traveler</a>)</p> <p>One tip that works quite well is to wear all of your bulky clothes on the plane to free up space in your bag. I'm not saying that you should dress in everything you own like Joey from <em>Friends</em>, but you can definitely wear your jacket, jeans, and sweater on the day of your flight to lessen the load in your bags.</p> <p>If you're trying to avoid overweight baggage fees, then wearing your bulky items and carrying as much in your carry-on may just save you a lot of money. A 60-lb checked bag can cost you upwards of $90, so if you can put some of that weight in the cabin, you'll be keeping some money in your wallet.</p> <h2>4. Fly With the Right Airline</h2> <p>Sorry, guys! This list is slowly dwindling down and you now only have one option for free bags in the U.S. &mdash; Southwest Airlines. JetBlue was the only other airline that held out on baggage fees until June, 2015 when they announced that the first checked bag would be $25 for all passengers.</p> <p>Southwest is still holding out and they actually allow <em>two </em>free checked bags for all passengers. Go Southwest!</p> <h2>5. Upgrade</h2> <p>You may cringe at the idea of spending double the price of your ticket just for some extra leg room, good service, and a fancy meal, but flying first class doesn't always have to be expensive. Delta, for example, sometimes offers seat upgrades for $90 at check-in. First class allows you a free checked bag and often offers more weight allowance.</p> <p>An overweight bag on Delta can cost around $90, so why not enjoy some comfort, free booze, and a free meal along the way? Definitely ask about upgrades at check-in.</p> <p>WestJet in Canada offers upgrades to Economy Plus Seating for between $15&ndash;$50 and it includes food, more leg room, a drink, and a free checked bag (worth $25). Definitely worth considering.</p> <h2>6. Go Ultra-Light</h2> <p>If you're a frequent flyer, it's probably worth it for you to invest in <a href="http://amzn.to/1Soc74E">lightweight luggage</a>. The amount of money that you can potentially save in overweight baggage fees will likely be far more than the cost of the bag over the course of a year.</p> <p>Some regular suitcases can weigh upwards of 20 lbs &mdash; empty! Buy purchasing ultra-lightweight luggage, you can get this down to around seven lbs. That's 13 lbs lighter, and if you're that much overweight, this luggage could save you around $60 in your return journey!</p> <h2>You Don't Have to Go Far</h2> <p>Some people go as far as to avoid flying altogether, or even shipping their bags with an independent courier service like VIPbags to avoid fees, but you really don't have to go that far. By using the tips in this article, you should be able to rid yourself of the baggage fees, while still flying comfortably on your next vacation. (See also: <a href="http://www.wisebread.com/the-10-most-creative-ways-to-avoid-airline-fees-like-wearable-suitcases?ref=seealso">10 Most Creative Ways to Avoid Airline Fees</a>)</p> <h2 style="text-align: center;">Did You Like This Article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-ways-to-save-on-baggage-fees&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWays%20To%20onBaggageFees.jpg&amp;description=6%20Easy%20Ways%20To%20Save%20On%20Airline%20Baggage%20Fees" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Ways%20To%20onBaggageFees.jpg" alt="Save On Baggage Fees" width="250" height="374" align="middle" /></p> <p><em>How do you avoid paying airline checked baggage fees?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/6-ways-to-save-on-baggage-fees">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</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-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</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/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</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-get-through-the-airport-faster">How to Get Through the Airport Faster</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/is-uber-saving-or-costing-you-money">Is Uber Saving or Costing You Money?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel frugal living luggage luggage fees saving money travel travel fees Thu, 19 May 2016 10:00:12 +0000 Nick Wharton 1706847 at http://www.wisebread.com 5 Affordable Alternatives to Pet Boarding http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-affordable-alternatives-to-pet-boarding" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000079180615_Large.jpg" alt="traveling with pets" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Summer is just around the corner and you can't stop daydreaming about getting away for the week. There is only one problem. What are you going to do with your pet? When it comes to traveling, the thought of leaving Fido in a kennel for the week makes many pet owners uneasy.</p> <p>Not only can kennel boarding be expensive, but your pet will not get the care and love they are used to getting daily from you. Your pet can also develop behavioral issues and possibly diseases from being kept in a kennel, including stress, kennel cough, and fleas. If kennel boarding is not your first choice, these five alternatives are easier on your pet and wallet.</p> <h2>1. Hire a House Sitter</h2> <p>You can have your house and your pet watched for one price, essentially killing two birds with one stone. House sitters can get pricey, but if you can find a trustworthy college student or family member to do the job, then you can save quite a bit.</p> <p>According to Care.com, kennel boarding&nbsp;<a href="http://www.care.com/pet-care-pet-care-cost-p1145-q7401.html">costs an average of $20&ndash;$25</a> per day for small animals. I have two dachshunds, therefore, if I were to take a five-day vacation, boarding my dogs could cost $40&ndash;$50 per day, or $200&ndash;$250 for the duration of my trip. I am certain there are many reliable college students that would be over the moon to make $100&ndash;$150 for crashing on someone's couch for a week, enjoying free food and Wi-Fi.</p> <p>A house sitter is an ideal choice if you can find the right person. Not only will a house sitter give your pet company and care, but you can also prevent a break-in from happening while you are gone. House sitters can also bring in important mail and packages, water plants, and make sure your trash cans get put out on trash day. Care.com is just one website where you can hire affordable house sitters. I have used Care.com before and I like it because it allows you to run background checks before hiring someone.</p> <h2>2. Ask a Friend or Family Member</h2> <p>If you have the type of pet that is easy to drop off with a friend or family member, then ask for a favor. My in-laws used to drop off their dachshund at my house when they traveled, and since all the dogs liked each other, it was a win-win for both me and my in-laws.</p> <p>Friends and family members are also more willing to barter their time for home cooked meals or a few nights of babysitting. If you can get a friend or family member to agree to take your pet for your trip, you can save $100&ndash;$300, depending on how many pets you have and how long you will be gone. (See also:&nbsp;<a href="http://www.wisebread.com/5-pet-costs-you-dont-see-coming?ref=seealso">5 Pet Costs You Don't See Coming</a>)</p> <h2>3. Hire Someone Just to Check In</h2> <p>If you have low-maintenance animals, like cats, you can just hire someone to show up each day or every other day to refresh the food, water, and litter box. Some dogs could be left alone with minimal pet sitting, too. If you have a dog door and an automatic feeder, then just hire someone to walk your dog for an hour each day, as well as refresh food and water. You can hire someone for as cheap as $10 per hour.</p> <h2>4. Peer-to-Peer Pet Sitting</h2> <p>There are two websites that match you directly with other pet owners and pet lovers in your area.&nbsp;<a href="https://dogvacay.com/">DogVacay</a> and&nbsp;<a href="http://us.holidog.com/">Holidog.com</a> list local individuals who will take your pets into their home for the duration of your trip. In my area, prices started out at $20 per night. In one listing, the individual even said they text pictures and reports daily to the owners. (See also:&nbsp;<a href="http://www.wisebread.com/23-tips-for-traveling-with-pets?ref=seealso">23 Tips for Traveling With Pets</a>)</p> <h2>5. Take Your Pets With You</h2> <p>Traveling with your pet is not always an affordable option, especially if there is airfare involved. However, for road trips, it might just be simpler and less expensive to bring your favorite canine or feline with you. Many more hotel chains are allowing pets to stay in their rooms, although some fees and restrictions do apply. You might even have some luck finding a pet-friendly room or house on Airbnb.</p> <p><a href="https://www.tripadvisor.com/ShowTopic-g1-i26969-k5837472-Hotel_Pet_sanitation_deposits_fees-Traveling_with_Pets.html">Marriott</a> charges a $100 sanitation fee for your pet to stay with you, and&nbsp;<a href="http://www.bestwestern.com/travel-planning/tips/traveling-with-pets.asp">Best Western</a> charges $20 per day, with a maximum of $100 per week for up to two dogs. Other pet types, such as cats, snakes, monkeys, etc. might be allowed depending on the property. Pet owners need to ask in advance.&nbsp;<a href="http://www.LQ.com/pets">La Quinta Inns</a> and Suites is the best choice for a hotel because it has over 880 pet-friendly locations and does not charge a fee or deposit.</p> <p>Don't let the cost of boarding your pet ruin your vacation or travel plans. Any of the above options could work for your situation and save you money &mdash; you just need to use a little creativity.</p> <p><em>What do you do with your pet when you travel?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Affordable%20Alternatives%20to%20Pet%20Boarding.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-you-can-learn-from-your-pets">6 Money Lessons You Can Learn From Your Pets</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-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</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/5-unexpected-dog-costs-you-should-prepare-for-now">5 Unexpected Dog Costs You Should Prepare for Now</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/are-groupon-getaways-a-good-idea">Are Groupon Getaways a Good Idea?</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-reasons-frugal-families-love-boardgame-night">8 Reasons Frugal Families Love Boardgame Night</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family Travel cat dog family pet flying with pets house sitter pet boarding pet sitting travel Tue, 10 May 2016 09:00:10 +0000 Ashley Eneriz 1706813 at http://www.wisebread.com 10 Easy Ways to Get Your Finances Fit For Summer http://www.wisebread.com/10-easy-ways-to-get-your-finances-fit-for-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-easy-ways-to-get-your-finances-fit-for-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_son_hammock_000084288399.jpg" alt="Woman getting her finances fit for summer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Summer is just around the corner, and the warm weather and extra free time can put a big ding in your finances. Stay proactive about potential summertime overspending by implementing these smart strategies that'll have you headed into the season financially fit.</p> <h2>1. Review Your Current Budget</h2> <p>It's always a good idea to take stock of your current expenses to determine where you can save. This means reviewing your recurring expenses by taking a hard look at your debit and credit card activity. If you have memberships or subscriptions that you barely use and can live without it, ditch 'em. The more dead weight you can unload, the more extra &quot;free&quot; money you'll have to start your summer fund.</p> <h2>2. Establish a Summer-Activity Budget</h2> <p>I'm very much a planner, and as a result I generally know what my summer plans are well ahead of time. The great thing about planning ahead is that you can get a good picture of your upcoming expenses and start saving accordingly. It's easy to establish a summer activity budget that maps out all the fun things you plan to do along with their associated costs. And if your plans change, you can tweak it accordingly.</p> <h2>3. Compare Transportation and Lodging for Travel</h2> <p>One of the biggest mistakes I notice from self-proclaimed savvy spenders and savers is that they sometimes hop on a deal too quickly. Sure, they're using discount sites to score savings on lodging and transportation, but is it really the best deal available? I always recommend comparing prices between multiple sites, and don't just limit yourself to your go-to savings depots. In fact, I've gotten better deals going directly to the hotels or airlines' websites at times.</p> <p>And here's another tip: Pick up the phone! Very few of us dial our vacation service providers to see what promotions they may be offering, and it could pay off big. It's worth spending the 10 to 20 minutes scouting the best buys. A few extra dollars saved are a few extra dollars that you can use for a nicer meal or fun activity while you're on vacay.</p> <h2>4. Explore Low-Cost Kids' Activities</h2> <p>Child care &mdash; especially of the all-day variety during the summer months &mdash; can zap your budget quickly. But there are several ways you can minimize those costs. Patty Cathey, an investment advisor in Denver, Colo., offers a few ideas on child care alternatives.</p> <p>&quot;Look into summer camps through your city recreation department, community center, or YMCA. Many churches or religious groups also offer affordable camps. As far as amusement parks, the zoo, or museums go, hold out for promotional offers, which are frequent in the summer. LivingSocial and Groupon often is a good resource for lower admission. And many communities offer free or cheap things for kids and families to do in the summer. The local library has educational activities, and there are free or cheap outdoor summer concerts, parades, and town festivals to take advantage of as well.&quot;</p> <p>And let's not forget one of my favorite summertime promotions &mdash; <a href="http://www.kidsbowlfree.com/">free bowling for kids</a>. Registered kids receive two free games of bowling <em>per day </em>at participating locations.</p> <h2>5. Cut Your Energy Expenses</h2> <p>I'll be the first one to admit the my air conditioner goes on if it's above 60 degrees outside at bedtime. But, I do try to cut energy costs wherever I can. For one, I grill outside more often in the summer, which reduces the amount of dishes I'm using on a daily basis, thus extending the time between my dishwasher cycles. Lights are turned off in favor of natural sunlight, and curtains and blinds are closed to keep too much sun from coming in if it's particularly hot outside. I water plants from a watering can instead of letting the hose run nonstop, and drying clothes outside is a pocket-wise way to avoid using the dryer during the summer.</p> <p>Cathey has a few more tips.</p> <p>&quot;You could save close to $200 over the course of the year by installing a <a href="http://amzn.to/1UmaQOl">programmable thermostat</a> and setting the temperature back 10 to 15 degrees for the hours you're at work,&quot; she says.</p> <h2>6. Take Advantage of Seasonal Sales</h2> <p>There are lots of sales during the summer season that can help you score big savings if you strike while the iron is hot. Groceries can be especially taxing during the summer &mdash; all those BBQ meats and fresh fruits and veggies aren't cheap &mdash; but you'll get the most for your money by comparing circulars, locating the best deals in your area, and stacking your coupons and apps, like Cartwheel, Ibotta, and Checkout 51.</p> <p>Savings expert Jill Cataldo recommends <a href="https://flipp.com/">Flipp</a>, a free app that gathers all the store circulars in your area in one easy-to-use platform.</p> <p>&quot;Use Flipp to plan your weekly grocery trips, and you'll enjoy its coupon-matching feature, which automatically points out additional discounts available on what you're buying at the supermarket,&quot; she says. &quot;When you can seamlessly save 20% to 70% on items you're shopping for every week, that adds up to big savings throughout the year.&quot;</p> <h2>7. Harness the Power of Old and Discounted Gift Cards</h2> <p>I love going through my wallet at the beginning of the summer to see what gift cards I have leftover, so that I can use them to save on dining or shopping while on vacation. Another great way to use gift cards is to buy them at discount &mdash; the idea of which is to spend less for the actual amount on the card even though it retains its full value. <a href="https://www.raise.com/buy-gift-cards">Raise's</a> marketplace allows people to save money and afford all the things to do during summer in two ways:</p> <ul> <li>People that have old or unwanted gift cards can sell them and get cash back, which is a great way get extra money towards summer fun.</li> </ul> <ul> <li>Outlet lovers can buy gift cards at a discount and use the money they would have spent on other things such as going on vacation, having BBQs, and more.</li> </ul> <p>With 4,000 different retailers' gift cards for sale, it's easy to trade on this great source of value.</p> <h2>8. Add a Side Hustle to Your Schedule</h2> <p>If you have summer plans that exceed your budget, all may not be lost. Perhaps it's time to start thinking about picking up a side hustle, like renting out a room in your home on Airbnb, dog sitting for locals through DogVacay, or driving for a ride-sharing service like Uber or Lyft. The social and sharing economy is thriving, and there's a place for you in it &mdash; guaranteed. I always advocate for the side hustle when you're strapped for cash, because in most cases it's relatively easy work. In other words, if you're complaining that you don't have enough money, there are options ready and waiting for you. (See also:&nbsp;<a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle?ref=seealso" target="_blank">5 Unexpected Side Benefits of Your Side Hustle</a>)</p> <h2>9. Rely on Cold, Hard Cash More Often</h2> <p>It's convenient to swipe your plastic wherever you go, but studies show that using cash as your currency of choice limits the amount you'll spend. In fact, a study conducted by Dun &amp; Bradstreet revealed that we spend 12% to 18% more when using debit or credit card opposed to dolla-dolla bills.</p> <p>Hard-money lending expert Elizabeth Jenkins details an idea on how to use cash to spend less.</p> <p>&quot;Allocate your cash budgets into weekly envelopes,&quot; she says. &quot;Have an envelope for weekly food, fun, gas, rent, etc., and make sure to close them. You'll find a feeling of guilt as you take money from an envelope to pay for something unrelated to that budget.&quot; (See also: <a href="http://www.wisebread.com/a-comprehensive-guide-to-the-envelope-system?ref=seealso">A Comprehensive Guide to the Envelope System</a>)</p> <h2>10. Change the Way You View Spending</h2> <p>Retail therapy feels good &mdash; until it doesn't. To curb spending, it's important to start viewing it as a necessity opposed to a recreational activity. Instead, focus on more important activities that increase your well being, instead of adding more clutter to it with material things.</p> <p>&quot;Spending can be addictive,&quot; Jenkins warns. &quot;Work on spending 'time' on things rather than money. Pick up an exercise routine, start a hobby, work on your house, or any other number of time consuming projects. Transfer your energy into projects that may cost some amount money, but will help your job, home, or family in the long run.&quot;</p> <p><em>What are some ways you're getting your finances fit for summer? I'd love to hear your tips and suggestions in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-easy-ways-to-get-your-finances-fit-for-summer">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-9"> <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-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</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/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</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/easy-ways-to-save-on-7-everyday-buys">Easy Ways to Save on 7 Everyday Buys</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-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-dumb-ways-youre-going-to-waste-money-this-summer">9 Dumb Ways You&#039;re Going to Waste Money This Summer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance budgeting cutting costs energy summer transportation travel warm weather Tue, 03 May 2016 10:00:11 +0000 Mikey Rox 1702381 at http://www.wisebread.com What Exactly Does Travel Accident Insurance Cover on Credit Cards? http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-exactly-does-travel-accident-insurance-cover-on-credit-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000072157925_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="135" /></a> </div> </div> </div> <p>We all know that rewards credit cards can offer points, miles, and cash back for your spending, but many people overlook another valuable aspect of these products, their cardholder benefits. Many people don&rsquo;t bother looking beyond the most obvious benefits of their credit cards, but there are a lot of built-in protections and insurance that you might find useful. One of these little-known benefits is travel accident insurance. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?ref=seealso">Awesome Credit Card Perks You Didn&rsquo;t Know About</a>)</p> <h2>How Travel Accident Insurance Works</h2> <p>Travel accident insurance is a sort of life insurance while traveling. If an accident causes your death or dismemberment, your credit card may provide some financial support to your beneficiaries. Credit cards offer travel accident insurance to cardholders and their families when they pay for their travel with their card. So if a cardholder purchases a train ticket with a credit card that includes a travel accident policy, he or she can receive a benefit if they are seriously injured as a result of a train accident.</p> <p>Travel accident policies can cover so-called common carriers which include airplanes, buses, boats, trains, or even helicopters, as long as tickets are sold to the general public and it operates on a regular schedule. As a result, this provision excludes privately chartered transportation, and rental vehicles that are privately operated, other than rental cars.</p> <p>These policies can vary depending on the company that issues your credit card, and even the type of credit card that you use. Many <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards cards</a> will include it. Here are some of the details of the coverage offered by major card issuers, but you should always verify coverage with your card issuer.</p> <h2>American Express</h2> <p>Amex offers some form of travel accident insurance with most of its cards. For example, its basic Green Card offers a maximum of $100,000 of coverage for loss of life, limb, or sight, so long as cardholders pay for their common carrier transport using their card, while its top of the line <a href="http://www.wisebread.com/amex-platinum-do-the-perks-justify-the-fee ">Platinum Card</a> features $500,000 worth of coverage. This policy applies to the cardholder's spouse, domestic partner, and dependent children under 23 years old. While this policy covers trips purchased by directly redeeming Membership Rewards points, it specifically excludes reservations purchased in whole or in part with frequent flyer miles. The <a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Blue Cash Preferred Card from American Express offers 6% cash back at U.S. supermarkets</a> (up to $6,000 in purchases each year). Terms and limitations apply.</p> <h2>Citi</h2> <p>Citi offers worldwide travel accident insurance of up to $1 million to cardholders who are permanent residents of the 50 United States or the District of Columbia. The coverage applies to the cardholder as well as their spouse, domestic partner, dependent children, and anyone designated as an authorized driver or covered by the rental car agreement. So long as you pay for the entire reservation with your Citi card, you are covered against death as well as loss of a limb, sight, speech, or hearing. Coverage also applies if you are missing for more than a year. As with most travel accident policies, acts of war are excluded as well as coverage for those who are participating in illegal activity. And interestingly enough, you are also covered when you book an award ticket using American Airlines AAdvantage miles, as Citi is a partner with American. Our favorite cards from our partner Citi are the <a href="http://www.wisebread.com/citi-platinum-select-aadvantage-world-mastercard-review">AAdvantage Platinum Select MasterCard</a>, which offers double points for American Airlines purchases, and the&nbsp;<a href="http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt">Double Cash Card - 18 month BT offer</a>, which&nbsp;is one of the <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">best cash rewards credit cards</a> available.</p> <h2>Chase</h2> <p>Chase also offers travel accident insurance on many of its cards. Cards that are part of the Visa Signature program cover not just the traveler's spouse, domestic partner, and dependent children, but even extended family traveling together such as grandparents, grandchildren, aunts, uncles, nieces, and nephews. This benefit covers accidental death, dismemberment, loss of speech, sight, and hearing. Furthermore, it even covers cardholders when they pay for their tickets using their frequent flyer miles or other award points, as long as those rewards were earned through a program sponsored by Chase Bank such as United Airlines or Southwest. The amount of coverage is up to $500,000. Further, the <a href="http://www.wisebread.com/chase-sapphire-preferred-review-500-signup-bonus">Chase Sapphire Preferred Card</a>&nbsp;currently offers a 50,000 sign up bonus to new cardholders.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <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/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation">Smarter Security and No Foreign Transaction Fees: The Best Credit Cards to Use While on Vacation</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/bankamericard-travel-rewards-more-rewards-for-more-travel">BankAmericard Travel Rewards®: More Rewards for More Travel</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/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</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-best-credit-cards-for-travel-purchases">5 Best Credit Cards for Travel Purchases</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/capital-one-venture-rewards-card-review">Travel Rewards Doesn&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel accident insurance credit card reviews travel Fri, 15 Apr 2016 10:30:05 +0000 Jason Steele 1667189 at http://www.wisebread.com 12 Ways to Save and Make Money While Traveling http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-ways-to-save-and-make-money-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000068178575.jpg" alt="Woman finding ways to save and make money while traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What is the sharing economy, and how can it work for you? Based on the principle that people can share excess goods, peer-to-peer, it's a way to get what you need and share what you no longer use without a corporate middleman.</p> <p>The sharing economy brings a practice formerly reserved for small transactions among friends to a regional, or even global scale. Now you can rent the extra room in your house to a complete stranger for cash, or you can share your knack for making excellent chicken pot pie with more than just your friend circle by hosting people you don't know yet for dinner &mdash; for a fee.</p> <p>At first, I was skeptical. Sharing my time and space with perfect strangers seemed like an odd and even dangerous way to make a buck. However, with newcomers exploding onto the scene all the time, changing the way we do business with each other, it started to become financially irresponsible <em>not</em> to at least dabble. These days, harnessing the sharing economy is my primary way of saving money when I travel, which is 365 days of the year.</p> <p>Here are some of the most clever ways to utilize the sharing economy before and during your travels to save money for your trip, and once you're on the road.</p> <h2>1. AirBnB</h2> <p><strong>Before you go</strong>: Paying rent can seriously eat into travel savings, but you can make some money while you're away by renting out your place at AirBnB. If you're not using it, you may as well make it work for you. Some people make a <a href="http://www.wisebread.com/this-is-how-you-rent-your-place-on-airbnb-and-succeed">sizable chunk of earnings</a> off this service alone. Make sure to look into the rules and regulations for holiday rentals in your area, and check with your landlord, if you have one, before listing your place.</p> <p><strong>On the road</strong>: While traveling, renting rooms with AirBnB will often prove much cheaper than hotel rooms &mdash; while providing access to a kitchen for cooking rather than eating out, and lending to a more local experience. I found that in many countries, a private room with an ensuite bathroom was even cheaper than a shared dorm room in a hostel. Who would have thought? (See also: <a href="http://www.wisebread.com/25-hotel-hacks-from-professional-travelers?ref=seealso" target="_blank">25 Hotel Hacks From Professional Travelers</a>)</p> <h2>2. Camp in my Garden</h2> <p><strong>Before you go</strong>: If renting out space within your home isn&rsquo;t an option, <a href="http://campinmygarden.com">Camp in my Garden</a> allows you to rent out your yard. That's a space that you probably don't use 24/7, so why not rent it out?</p> <p><strong>On the road</strong>: If you love camping and want cheap digs, consider taking your tent along and turning places that previously seemed impossible for campers (like urban spaces) into a whole new travel experience.</p> <h2>3. JustPark</h2> <p><strong>Before you go</strong>: Say you don't even have space in your backyard, but there's a parking spot you're not using that you could rent out from time to time &mdash; like when you're at work &mdash; in an area where parking is limited. Make that spot work for you by renting it out on <a href="https://www.justpark.com/">JustPark</a>.</p> <p><strong>On the road</strong>: Parking lot fees and expenses can add up quickly. Look into the options near you, and see if you can save some money by parking with a local who has excess space.</p> <h2>4. Uber</h2> <p><strong>Before you go</strong>: If you live in a city or live your life in such a way that you truly need a car, make up for this expense by <a href="http://uber.7eer.net/c/27771/207645/3437">giving rides to people through Uber</a>. Both drivers and passengers have peer reviews, and no money is exchanged between parties, making it a safer and easier transaction.</p> <p><strong>On the road</strong>: Uber exists all over the world, including most of Europe, South Africa, and even India. It's often a much cheaper, less scammy, and safer alternative to a taxi. It was my chief method of getting around in Johannesburg, South Africa, which doesn't have public transport and isn't safe to walk around. And I felt safer since the app tracked me from pick-up to drop off.</p> <h2>5. FlightCar</h2> <p><strong>Before you go</strong>: If Uber isn't your cup of tea, or if you don't have time to devote to driving, rent your car out to others on <a href="https://www.flightcar.com/">Flightcar</a>. Save the fees you'd pay to the parking meter and make your car work for you when you aren't using it.</p> <p><strong>On the road</strong>: In true sharing economy fashion, while someone else is making use of your car, do the same by renting a car that&rsquo;s already sitting at the airport from another traveler, and enjoy ultimate vacation flexibility for less than a rental from the big guys.</p> <h2>6. Relay Rides</h2> <p><strong>Before you go</strong>: If you don't have time to drive others around and don't have any trips coming up, rent your car out short-term with <a href="https://relayrides.com/">Relay Rides</a>. Rentals can be as short as an hour or two.</p> <p><strong>On the road</strong>: Don't need a car for a full several days or weeks? Just rent a car for an hour to get across town and back if that's all you need.</p> <h2>7. SpinLister</h2> <p><strong>Before you go</strong>: Do you have a bike that's collecting dust? Do you go away for long periods of time, leaving your wheels idle? Rent it out to others on <a href="https://www.spinlister.com/">SpinLister</a> when you don't need it yourself.</p> <p><strong>On the road</strong>: Day-use bicycle rentals can become costly, especially in big cities or beach towns. In much of Europe, for example, a bicycle is the easiest and cheapest way to get around, so look into renting from a local rather than a company to save some cash.</p> <h2>8. EatWith</h2> <p><strong>Before you go</strong>: Are you a talented chef? Take your dinner party game past your circle of friends and invite guests to come together at your dinner table for a fee with <a href="http://www.eatwith.com/">EatWith</a>. Run your own restaurant from home.</p> <p><strong>On the road</strong>: EatWith is a great resource for solo travelers and groups alike. Share the cost of a private chef with several people, and make new friends in the process. (See also: <a href="http://www.wisebread.com/31-super-smart-travel-hacks?ref=seealso" target="_blank">31 Super Smart Travel Hacks</a>)</p> <h2>9. Vayable</h2> <p><strong>Before you go</strong>: Are you particularly knowledgeable about the area where you live? If your town or city gets a fair amount of tourist traffic, there could be an opportunity for you to show people around and share your local knowledge for some cash through <a href="https://www.vayable.com/">Vayable</a>. Get creative: tours can be as niche as showing people around the best organic farmers markets in San Francisco, or a walking tour of Berlin's street art, for example.</p> <p><strong>On the road</strong>: Tour companies can be expensive. What better way to get to know a place than by checking it out with a local and meeting other travelers in the process? (See also: <a href="http://www.wisebread.com/5-cheap-fun-fall-getaways?ref=seealso" target="_blank">5 Cheap, Fun Fall Getaways</a>)</p> <h2>10. Thredup</h2> <p><strong>Before you go</strong>: What is sitting in your closet that you haven&rsquo;t worn for a year or more? Pick through the racks and let go of the things that you no longer use, and rather than getting pennies on the dollar at a consignment store, try selling on <a href="http://click.linksynergy.com/fs-bin/click?id=g519OIyP0is&amp;offerid=395939.79&amp;type=3&amp;subid=0">Thredup</a> to your peers.</p> <p><strong>On the road</strong>: Do you live in a warm climate but are heading somewhere cold for a few days? I found myself in this situation as a Californian packing for Iceland without many warm clothes. Quality winter gear can get expensive, so I had to get creative. Are you in a similar position? Buy gently used clothes you need for your journey for way less. (See also: <a href="http://www.wisebread.com/15-things-in-your-closet-you-can-throw-out-today?ref=seealso" target="_blank">15 Things in Your Closet You Can Throw Out Today</a>)</p> <h2>11. Yerdle</h2> <p><strong>Before you go</strong>: Have you ever bought something that you simply didn't end up using? Get rid of the guilt by selling those items through <a href="https://yerdle.com/">Yerdle</a>, and get more money for your items than you would by selling them to a used goods store.</p> <p><strong>On the road</strong>: Have you been aching for a new camera for your trip but can't shoulder the cost? Get brand new goods for your travels for cheaper.</p> <h2>12. Fon</h2> <p><strong>Before you go</strong>: <a href="https://corp.fon.com/en">Fon</a> allows you to share your Wi-Fi connection remotely with those passing through the area. Share the costs of that expensive Internet connection!</p> <p><strong>On the road</strong>: If you're like me, you still need to work on the road from time to time, and Wi-Fi can be a pain to find in some places, and quite costly to boot. Find cheaper connections by harnessing Fon's network.</p> <p>There are many creative ways to make the sharing economy work for you while benefiting others who are in the same situation. Thanks to new companies popping up every day that harness ways to directly share excess items or skills, saving up for a trip and preserving funds on the road keeps getting easier.</p> <p><em>What do you think? Would you give these companies a try? If you have, tell us about your experience in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kristin-addis">Kristin Addis</a> of <a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</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-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</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/14-useful-items-hotels-usually-provide-for-free">14 Useful Items Hotels Usually Provide for 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/7-fool-proof-ways-to-stay-within-your-travel-budget">7 Fool-Proof Ways to Stay Within Your Travel Budget</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-to-save-on-baggage-fees">6 Ways to Save On Baggage Fees</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel extra income making money saving money travel travel budget Tue, 29 Mar 2016 09:00:16 +0000 Kristin Addis 1645848 at http://www.wisebread.com 6 Tricks to Making the Most of Your Reward Miles http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-tricks-to-making-the-most-of-your-reward-miles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000062837326_Large.jpg" alt="making the most of travel rewards miles" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>After using <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards credit cards</a> for a while, you might find that you've got tons of miles to redeem. But making sure you're getting the most out of those rewards takes considerable planning and organization. Here are some tips on getting the most value out of your rewards miles and points. (See also: <a href="http://www.wisebread.com/the-7-biggest-mistakes-you-can-make-when-redeeming-credit-card-rewards?ref=seealso">The Biggest Mistakes When Redeeming Credit Card Rewards</a>)</p> <h2>1. Extend or Add a Vacation with Stopovers and Open Jaws</h2> <p>Stopovers and open jaws are big money savers for organized travelers.</p> <p><strong>Open Jaws:</strong> An open jaw ticket is one where you fly from point A to point B, then back to point A from point C. There is an open gap in the middle of the itinerary &mdash; which is perfect for a road trip. If you were to pay for this with cash instead of rewards, it would cost a lot of extra money, but it will cost you the same amount of reward points as a regular return flight.</p> <p>For example:</p> <p>Return Flight New York to London = 60,000 points</p> <p>Open Jaw Flight New York to London + Barcelona to New York = 60,000 points</p> <p><strong>Stopovers: </strong>A stopover is any stop in a flight itinerary that lasts more than 24 hours. Not to be confused with a layover. A layover is that boring period of time that you dread, waiting at the airport for your next flight.</p> <p>A stopover gives you time to exit the airport and explore. In fact, a stopover can be a week, a month, or even a year. Let's say you plan a holiday in Rome, but you've always wanted to see Barcelona. You can add a one-week stopover in Barcelona into your rewards itinerary and it won't cost you any extra points.</p> <p>The best trick with stopovers is actually calling your home airport a stopover. Let's say you book the trip above and the airline you fly with allows for two stopovers &mdash; and many do, including Lufthansa and Air Canada.</p> <p>You can enjoy your first stopover in Barcelona, then fly to Rome to complete your holiday as planned. But on your return journey home, you call your home airport a &quot;stopover&quot; for one year. This means that, up to a year later, you can complete your journey with a free, one-way flight to your next holiday destination, like Las Vegas, perhaps.</p> <p>If you are organized enough to plan more than one holiday at once, you can get a lot of free flights using this hack. Now you'll just have to book a cheap one-way ticket from Las Vegas back home.</p> <h2>2. Redeem Rewards for Higher Value Flights</h2> <p>There are many people who save up a great number of rewards miles and then squander them by redeeming them for the wrong purchases. Typically, one of the biggest mistakes that rewards travelers make is redeeming their rewards for short-distance domestic flights.</p> <p>Often, a 10-hour international flight will cost the same, or just slightly more, in points and miles as a long-distance domestic journey. Whereas the cash value for an international flight is often more than double a domestic one. You get much more <em>value</em> for the same amount of rewards points for an international flight. Sometimes it's best to just pay cash for the short-distance flights, and save your rewards for the next time you're leaving the country.</p> <p>Redeeming wisely may sound like a pretty straightforward idea, but with seemingly endless rewards restrictions like expiration dates, blackout dates, eligibility restrictions and limited rewards seating, it can be a confusing matter.</p> <p>If you're not willing to do a lot of research and spend time planning the perfect rewards trip, you may want to consider using a service like <a href="http://www.awardadvocate.com/">Award Advocate</a> or <a href="http://www.awardbookingservice.com/">Award Booking Service</a> to help you with your rewards booking.</p> <p>For a fee of $100+, they can find the best reward seats for you, book the flight with the airline, and ensure that you're using the least amount of miles possible for your journey.</p> <h2>3. Put Purchases on the Right Cards</h2> <p>A wallet full of credit cards is like a rewards hackers Swiss Army knife. Each card is its own tool and using them appropriately will allow you to get the most rewards for your purchases. For example, use a card that offers <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">bonus rewards at supermarkets</a> for your grocery purchases. Get the <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards">best credit card for gas</a> to maximize rewards for that monthly expense. Keep track of the rotating categories on your <a href="http://www.wisebread.com/chase-freedom-a-more-rewarding-way-to-shop">Chase Freedom</a> or <a href="http://www.wisebread.com/the-discover-it-card-attractive-cash-back-awards-for-shoppers">Discover It</a> card to get your 5% cash back.</p> <p>Depending on your recurring expenses, there are cards that offer bonus rewards for <a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out">dining</a>, <a href="http://www.wisebread.com/5-best-credit-cards-for-entertainment-purchases">entertainment</a>, <a href="http://www.wisebread.com/5-best-credit-cards-for-travel-purchases">travel</a>, and even <a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases">office supply purchases</a>. Finally, you should have a card that offers extra rewards for all other purchases, such as the <a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Quicksilver Cash Rewards Card</a> that offers 1.5% cash back on all purchases with no annual fee, or the <a href="http://www.wisebread.com/amex-everyday-preferred-card-review">Amex Everyday Preferred Card</a> that gives you 50% bonus points for making at least 30 purchases per billing cycle.</p> <h2>4. Try a Sign-Up Bonus Spree</h2> <p>Don't have a wallet full of cards yet? You're actually in luck! You can start a sign-up bonus spree to fill your wallet with the cards that you need, and maybe get a free vacation out of the sign-up bonuses, too! (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso">5 Steps to Getting a Free Vacation in 9 Months or Less with Credit Cards</a>)</p> <p>Many credit cards offer a <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">bonus for signing up</a> and many of these bonuses are worth $500 or more in travel.</p> <h2>5. Pair Cards for Extra Rewards</h2> <p>Sometimes when you put two cards in your wallet, sparks fly and they become the perfect couple. One particular &quot;dream couple&quot; is the Chase Freedom and the <a href="http://www.wisebread.com/chase-sapphire-preferred-review">Chase Sapphire Preferred card</a>. Points on the Freedom are only worth about one cent each, but on the Chase Sapphire Preferred Card, they're worth 1.25 cents each (a whole 25% more).</p> <p>Coupling these cards is easy. All you have to do is use the Freedom card for the 5% cash back on bonus categories each quarter, and then transfer those points to your Preferred card to get 25% more rewards.</p> <p>When the Chase Freedom bonus category isn't offering 5% for travel and dining, use the Chase Preferred which gets two points per dollar on these purchases. For all other purchases, you can use either card but make sure that you transfer the points to the Sapphire Preferred when it comes time to redeem.</p> <h2>6. Know Your Limits</h2> <p>Whether you're starting a credit card spree or just trying to earn as many points as possible, you must know your limits.</p> <p>Earning 5% cash back is completely useless if you end up paying interest (15% average in the U.S.) on your credit card each month. You have to be sure that you can pay off all of your cards <em>before</em> they start to accrue interest.</p> <p>Savvy travel hackers never pay a dime in interest and earn thousands of points each year. You can do the same, but you must first start slowly and know your limits with each and every card that you carry.</p> <p>If you can stay organized, watch your spending, and know your limitations and those that apply to the cards that you use, you can earn a lot of free travel from your cards in a very short period of time. Good luck!</p> <p><em>How do you stretch your reward miles? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had">12 Travel Perks You Didn&#039;t Know Your Credit Card Had</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-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</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/5-best-credit-cards-for-travel-purchases">5 Best Credit Cards for Travel Purchases</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/what-exactly-does-travel-accident-insurance-cover-on-credit-cards">What Exactly Does Travel Accident Insurance Cover on Credit Cards?</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/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly">This Might Be the Best Travel Rewards Program (No Matter What Airline You Fly)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel credit card perks perks reward miles travel travel miles Mon, 14 Mar 2016 10:01:04 +0000 Nick Wharton 1671108 at http://www.wisebread.com 5 Things You Should Never Buy With Your Credit Card http://www.wisebread.com/5-things-you-should-never-buy-with-your-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-you-should-never-buy-with-your-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_credit_card_000077026409.jpg" alt="Woman learning things she should never buy with a credit card" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's a big temptation: Your pockets are empty, and you desperately need that morning coffee to get through that commute. But don't do it &mdash; don't take that credit card out of your pocket. If you can't pay for that latte with cash, skip it and drink from the free coffeepot at work.</p> <p>It's easy to pay for purchases with credit cards. Maybe too easy. But there are some items that you should <em>never</em> pay for with a credit card. Why? There are always better ways to pay for these items, whether they are small, everyday purchases or big-ticket buys.</p> <p>Here are five items for which you should never rely on plastic.</p> <h2>1. Medical Bills</h2> <p>Facing a big medical bill from your doctor? Don't use your credit card to pay for it. Instead, ask your medical provider to set up an installment payment plan for you. Most medical providers will do this, and the interest rates that they charge (if any) will be lower than the rates attached to your credit card.</p> <h2>2. Income Taxes</h2> <p>If you owe taxes, you <em>do </em>have the option of paying them with your credit card. Again, though, there's a better choice. If you owe thousands of dollars to the government, contact the IRS and ask for an installment plan.</p> <p>To be eligible for such a plan, you must owe less than $50,000 and be current on your income tax filings. You must also be able to pay what you owe within 72 months.</p> <p>This isn't free, of course. The IRS will charge you interest on the money you owe and a late payment penalty, usually at 0.5% a month. But even with these fees, you're better off financially than you would be if you turned to your credit card to pay your taxes.</p> <h2>3. Unsecure Online Purchases</h2> <p>The new EMV credit cards, embedded with a computer chip, are supposed to make in-person credit card transactions safer. But these cards don't offer much protection against online credit card fraud. So be careful when you use your card to make online purchases.</p> <p>And don't ever use your card on websites that aren't secured.</p> <p>Look for &quot;https&quot; at the beginning of a site's URL in your browser. If that's not present, and the site starts instead with &quot;http&quot; (with no &quot;s&quot; at the end), don't buy from it. Such websites aren't secure, and it's far easier for criminals to steal your credit card information from them.</p> <h2>4. Big Vacations</h2> <p>We all deserve a break from the working world. An exotic vacation can provide just that. But save the money for it first.</p> <p>It's easy to rack up thousands of dollars of credit card debt on a single trip if you charge hotels, gas, meals, and visits to museums and amusement parks. Don't fall into this trap: If you save for your vacation, and stick to a planned budget while you're traveling, you'll feel much more relaxed when you return.</p> <p>If you don't, opening that huge credit card bill will make you yearn for yet another vacation.</p> <h2>5. College Tuition</h2> <p>Worried about paying for your college tuition? Join the crowd. But don't rely on your credit cards to help foot the bill.</p> <p>The interest rates on student loans are typically lower than those attached to credit cards. Many schools will even charge you an additional fee when you pay your tuition with a credit card.</p> <p>If you're worried about paying for your college education, meet with your school's' financial aid office. In addition to helping you find low-interest-rate student loans, the staffers there should be able to help you hunt for scholarships or grants that could reduce your tuition burden.</p> <p><em>What do you refuse to purchase with a credit card?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-things-you-should-never-buy-with-your-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-millennials-should-embrace-credit-cards">Why Millennials Should Embrace Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/easy-ways-to-save-on-7-everyday-buys">Easy Ways to Save on 7 Everyday Buys</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/choose-the-best-travel-rewards-credit-card-with-this-guide">Choose the Best Travel Rewards Credit Card with this Guide</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-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</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-best-credit-cards-for-travel-purchases">5 Best Credit Cards for Travel Purchases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Fast Food medical bills online shopping small expenses taxes travel tuition Tue, 23 Feb 2016 11:30:05 +0000 Dan Rafter 1658859 at http://www.wisebread.com