travel http://www.wisebread.com/taxonomy/term/12026/all en-US 4 Keys to an Early Retirement http://www.wisebread.com/4-keys-to-an-early-retirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-keys-to-an-early-retirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-623601680.jpg" alt="here&#039;s how to retire sooner" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Does it seem like retirement can't come soon enough? Are you tired of feeling like you're wasting time at a job you no longer enjoy, daydreaming about the day you won't have to come in anymore?</p> <p>The good news is there are several steps that you can take if retiring early is your goal. Retiring early will mean setting clear priorities and goals that you can meet, but it doesn't have to be out of reach. Consider these four tips to get there faster. (See also: <a href="http://www.wisebread.com/14-ways-to-retire-early?ref=seealso" target="_blank">9 Things People Who Retire Early Do</a>)</p> <h2>1. Slash Costs Now</h2> <p>It's easy to go on autopilot with monthly costs, but they can add up fast, especially if you're spending more than you should. By switching providers for home or car insurance, Internet, phone, and cable TV, you could save thousands a year. In fact, do you even need cable TV? What about that gym membership &mdash; are you using it enough to justify the cost?</p> <p>Could you trim expenses even further by downsizing your home or getting by with one car? Leave no monthly cost unexamined.</p> <p>While you're at it, look at the fees you're paying on your investments. Because of compounding, <a href="http://www.wisebread.com/4-sneaky-investment-fees-to-watch-for?ref=internal" target="_blank">investment fees</a> that seem small can eat a big chunk out of your retirement savings over time.</p> <p>All of these cost savings won't be enough on their own to ensure your early retirement, but over the course of a few years they can add up and enable you to retire comfortably earlier than you may have thought. (See also: <a href="http://www.wisebread.com/14-ways-to-retire-early?ref=seealso" target="_blank">14 Things to Do to Retire Early</a>)</p> <h2>2. Look for Tax Advantages</h2> <p>When planning for retirement, it's important to consider the taxes you will have to pay once you stop working. While you can contribute now to 401K or regular IRA accounts using pretax income, you'll have to pay taxes on the distributions once you start to draw down the accounts.</p> <p>On the other hand, you contribute to a <a href="http://www.wisebread.com/7-surprising-facts-about-roth-iras" target="_blank">Roth IRA</a> with money that's already been taxed, but then it grows tax-free and you'll pay no taxes when you withdraw the money. Often it's good to have a combination of both types of retirement accounts. A financial adviser can help you decide. But keep in mind that withdrawing from either of these accounts before you hit age 59-1/2 usually incurs a tax penalty.</p> <p>Taxes on Social Security are another expense to keep in mind for when you hit official retirement age. Social Security benefits may be taxed at the federal level, depending on what your total income is. But the IRS won't tax more than 85% of your benefits. Thirteen states tax Social Security benefits, while other states have <a href="http://www.wisebread.com/7-states-with-the-lowest-taxes-for-retirees?ref=seealso" target="_blank">low or no taxes for retirees</a>.</p> <h2>3. Retire Abroad Full Time</h2> <p>Retiring early means figuring out a way to live on what you save during a shortened working career. You can lower your needs drastically by changing your country code.</p> <p>If you've been working and saving in U.S. dollars, you can make that money go much further in a <a href="http://www.wisebread.com/x-exciting-world-cities-you-can-afford-to-retire-in" target="_blank">country where the cost of living is lower</a> than in the United States. Many destinations in Central and South America, as well as many parts of Asia and even Europe, are much less expensive for Americans to retire to &mdash; and if you're looking for a warmer climate, you can find that too.</p> <p>Of course, there are some logistics that you should take into consideration when retiring abroad.</p> <h3>Taxes</h3> <p>The U.S. taxes citizens or resident aliens living abroad on worldwide income, including Social Security, other retirement income and any earnings you may get from working in your new country. However, you may be eligible for the <a href="https://www.irs.gov/individuals/international-taxpayers/foreign-earned-income-exclusion" target="_blank">Foreign Earned Income Exclusion</a>, which allows you to exclude foreign earnings &mdash; up to a certain amount &mdash; from your taxable income. The exclusion is adjusted annually for inflation. For 2017 it is $102,100.</p> <p>You may also be subject to income taxes in the country where you retire, though many countries have treaties with the U.S. that make sure you are not double taxed. You'll need to research local tax laws to make sure you're in compliance.</p> <h3>Logistics</h3> <p>There are a lot of logistics involved in moving to a foreign country. You'll need to research the appropriate visa for the country you'll be living in. Many desirable locations for Americans have special visas for retirees. Generally, you'll need to show you have a certain amount of retirement income and you will not be allowed to work for a local employer on these visas.</p> <p>Think too about whether you want to sell your home in the U.S. You may want to get rid of furniture and other belongings as well, though retirement havens such as Panama and Nicaragua allow you to import a certain amount of household goods duty-free.</p> <p>Banking is another consideration. Many expats continue to hold a U.S. bank account and to transfer money between it and an account in the country where they live. If you've got a U.S. account it's also a good idea to have a U.S. travel credit card that charges <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=internal" target="_blank">no foreign transaction fees</a>. A U.S. card can help you purchase from U.S. websites more easily and comes in handy during trips back home.</p> <h3>Health</h3> <p>In some countries, quality health care is so cheap that expats choose to pay out of pocket for treatment and medications. In other cases, you will need to research local health insurance options or make sure your U.S. insurance covers care abroad. Medicare is not available for health care outside of the U.S.</p> <p>Other expats can be a great resource as you try to find doctors that speak English and have a good reputation.</p> <p>The U.S. State Department has more <a href="https://travel.state.gov/content/passports/en/abroad/events-and-records/retirement-abroad.html" target="_blank">resources for planning to retire abroad</a>.</p> <h2>4. Move Abroad Part Time</h2> <p>You can also considerably lower your retirement expenses just by spending a portion of the year abroad, without the commitment of leaving the U.S. entirely.</p> <p>Different people choose to set up this arrangement differently. Some will return to the same place every year, while others may prefer to try out somewhere new.</p> <h3>Taxes</h3> <p>As with moving abroad full time, you will still be responsible for paying U.S. income taxes on worldwide income, and you may be subject to local taxes as well. Many tax breaks in the U.S. and abroad are dependent on how many days per year you spend in the foreign country, so you'll need to research those requirements.</p> <h3>Logistics</h3> <p>The most important consideration when you'll be spending your time in multiple locations is your accommodations. Will you rent your home while you're away? Will you hire a property manager to make sure that everything is running smoothly in your absence?</p> <p>Consider home or apartment exchanges if you are going to be overseas for a shorter period of time.</p> <h3>Health</h3> <p>For health insurance, you may want to consider purchasing travel insurance for the part of the year that you'll be out of the country to supplement your plan back home.</p> <p>Early retirement doesn't have to be an unattainable goal. Focus on setting your priorities and using creative thinking to be able to retire when you want.</p> <p>See also: <a href="http://www.wisebread.com/12-money-moves-to-make-the-moment-you-decide-to-retire?ref=seealso" target="_blank">12 Money Moves to Make the Moment You Decide to Retire</a></p> <h2 style="text-align: center;">Like this article? Pin it!&nbsp;</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-keys-to-an-early-retirement&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%20Keys%20to%20an%20Early%20Retirement.jpg&amp;description=4%20Keys%20to%20an%20Early%20Retirement" 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/u5180/4%20Keys%20to%20an%20Early%20Retirement.jpg" alt="4 Keys to an Early Retirement" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/4-keys-to-an-early-retirement">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/4-reasons-people-dont-retire-early-and-how-you-can">4 Reasons People Don&#039;t Retire Early — and How You Can</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-your-financial-planner-isnt-telling-you-about-retirement">5 Things Your Financial Planner Isn&#039;t Telling You About Retirement</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/x-exciting-world-cities-you-can-afford-to-retire-in">4 Exciting World Cities You Can Afford to Retire In</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-incredible-places-to-retire-abroad-that-anyone-can-afford">5 Incredible Places to Retire Abroad That Anyone Can Afford</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-retirement-planning-steps-late-starters-must-make">7 Retirement Planning Steps Late Starters Must Make</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Retirement 401k early retirement expat living abroad retirement planning travel Fri, 03 Feb 2017 10:00:09 +0000 Nick Wharton 1884232 at http://www.wisebread.com 8 Simple Ways to Take Stunning Travel Photos http://www.wisebread.com/8-simple-ways-to-take-stunning-travel-photos <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-simple-ways-to-take-stunning-travel-photos" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_nature_photographer_508941068.jpg" alt="Woman learning ways to improve her travel photography" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Having beautiful photos of your trip is one of the best mementos you can bring back with you, to share with friends and family, and to look back on fondly. Whether you're an experienced photographer or you're just trying to get a nice shot on your vacation, here are some tips for capturing the best images possible on your trip.</p> <h2>1. Consider Your Subject</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/geishas_walking_594485142.jpg" width="605" height="340" alt="" /></p> <p>The first step is to think about what it is that you want to capture. This could be anything, including a person, a building or landmark, or a landscape.</p> <p>Instead of just snapping shots randomly and hoping that one will come out the way you like, take a moment to assess what it is you hope to communicate with your picture. A shot of a lone tree on a dry prairie communicates something very different from a candid photo of locals laughing while they play mahjong in the park.</p> <p>When someone looks at your picture they should be able to identify what it was you were trying to portray.</p> <h2>2. Lighting Is Everything</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/man_nature_photographer_524381338.jpg" width="605" height="340" alt="" /></p> <p>When you're taking a picture, you are always working with light, since that is how your camera is able to capture an image. Different lighting can dramatically alter the mood and clarity of your subject.</p> <p>Many photographers recommend you to take pictures an hour after sunrise or an hour before sunset &mdash; the so-called golden hours &mdash; because the light at these times is soft, diffused, and flattering to most subjects.</p> <p>However, you can still take pictures during the rest of the day. Especially if you are working with a camera in automatic mode, utilizing the ample light during the day can help you to get a great shot.</p> <p>Be cautious about taking pictures that are backlit. A backlit photo is any shot where the sun is behind the subject that you're shooting. Used intentionally, backlighting can produce gorgeous silhouette images. To do that, you'll need to expose for the background, making the subject dark enough that most detail is lost.</p> <p>You can also use backlighting to create an effect where the subject is exposed correctly, but the background is overexposed, giving it a dreamy, faded look, sometimes purposely accented by sun flares. You might want to use a &quot;fill flash&quot; to fill in shadows on the subject as well.</p> <p>If those backlit effects are not what you're aiming for, position yourself so that the sun is behind <em>you</em>, the photographer, which will ensure that your subject is properly exposed. Sometimes positioning the subject at an angle to the sun helps ward off the harshest shadows.</p> <h2>3. Sometimes Less Is More</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/photography_statue_626501632.jpg" width="605" height="340" alt="" /></p> <p>At times it can be tempting to try to capture everything in one shot, but the usual outcome is a cluttered photo that ends up not really portraying much of anything.</p> <p>One thing you can try is to identify one poignant detail and highlight that detail by framing it tightly. That's how our vision naturally works, and you can replicate that in your photography for eye-catching shots.</p> <p>In addition to taking a wide shot of a baroque cathedral, why not snap a few close-ups of detailed carvings, scenes from stained glass windows, or parishioners leaving or entering the building? At a market, rather than trying to capture the whole chaotic scene, focus on one vendor, or even one pile of brightly colored vegetables.</p> <p>By capturing little quirky details from your trip you are also expressing something about yourself and your interaction with those details, which can be helpful when trying to weave together a story from these visual cues.</p> <h2>4. Pay Attention to Patterns</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/building_sunset_155440607.jpg" width="605" height="340" alt="" /></p> <p>If you are going to take a busier photo, think about the natural patterns that may be appearing. Repetition &mdash; of fence posts, or trees in a row, for example &mdash; can often create a rhythm that's visually appealing in photography and this can help to guide the composition of your photo.</p> <h2>5. Follow the Rule of Thirds</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/rule_of_thirds.jpg" width="605" height="340" alt="" /></p> <p>The rule of thirds is another guideline that can help when you're thinking about how you want to compose your photo. Imagine your photo with a grid of two lines horizontally and two lines vertically traced over the image that you are taking.</p> <p>A viewer's eye is naturally drawn to the intersections on this grid, so instead of putting your subject right in the middle of the photo, you can play around with a more visually interesting layout by lining your subject up on these crossing points. Many digital cameras can overlay a grid on the viewfinder to help you.</p> <h2>6. Experiment With Different Points of View</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/travel_glacier_frozen_528073320.jpg" width="605" height="340" alt="" /></p> <p>A straight-on shot in which the subject is facing you at a 180 degree angle can be fine, but also try shooting from above, below, or at a different angle to the subject. Experiment with wide, medium, and close-up shots, too. The results are often more dramatic and dynamic than a straight-on point of view.</p> <h2>7. Start Looking at Photos With a Photographer's Eye</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sunset_city_view_488714494.jpg" width="605" height="340" alt="" /></p> <p>A great way to improve your pictures without even using your camera is by examining photographs that you like. The next time you open your Instagram feed, instead of mindlessly scrolling through the shots, take a few extra minutes with the ones that really catch your eye.</p> <p>Identify three to five elements of the picture that make it special to you. This could be the color, the composition, a certain detail that pops or the repetition of certain elements. Whatever it is, once you've seen a successful example in a photograph, it will be easier for you to recreate the effect when you're out taking your own pictures.</p> <h2>8. Take Plenty of Shots</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_camera_travel_531402746.jpg" width="605" height="340" alt="" /></p> <p>When you are out experimenting with your camera, take a variety of shots so that you can choose from them once you get home. Don't just take the same shot over and over. Change it up so that when you see the pictures later, you can figure out which way worked the best.</p> <p>Remember to enjoy the process and take a playful attitude! You will be surprised at the beautiful results you can get just by taking a more lighthearted approach to your pictures.</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-simple-ways-to-take-stunning-travel-photos&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%20Simple%20Ways%20to%20Take%20Stunning%20Travel%20Photos.jpg&amp;description=8%20Simple%20Ways%20to%20Take%20Stunning%20Travel%20Photos" 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%20Simple%20Ways%20to%20Take%20Stunning%20Travel%20Photos.jpg" alt="8 Simple Ways to Take Stunning Travel Photos" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/8-simple-ways-to-take-stunning-travel-photos">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/15-adventurous-things-you-should-do-before-you-die">15 Adventurous Things You Should Do Before You Die</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/everything-you-need-to-know-about-frequent-flyer-miles">Everything You Need to Know About Frequent Flyer 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/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</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/8-costly-flight-booking-mistakes-you-make-all-the-time">8 Costly Flight Booking Mistakes You Make All the Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Travel hacks photography travel Tue, 31 Jan 2017 10:30:33 +0000 Nick Wharton 1876829 at http://www.wisebread.com 7 Easy Ways to Save on Travel Gear http://www.wisebread.com/7-easy-ways-to-save-on-travel-gear <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-easy-ways-to-save-on-travel-gear" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-598248080.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>If you're getting ready for a big trip in the near future, you're probably discovering that buying travel gear can add up pretty fast. Maybe you're looking into investing in a good pair of hiking boots, a tent, and a sleeping bag. Maybe you just need new luggage or a backpack.</p> <p>Having the right supplies is a good way to ensure that the trip goes well, and some expenses just can't be avoided no matter what. The good news is your gear doesn't have to break the bank.</p> <h2>1. Shop Around for the Best Sales</h2> <p>Depending on where you're planning to go shopping, you'll always want to try to buy your items when they are on sale. This might mean buying last year's model, but if it's an investment piece such as sturdy luggage, you'll want to pick something that is timeless anyway.</p> <p>Some stores will have semiannual or annual sales, so ask a sales representative when their next sale will be. You can also subscribe to a store's email list to be notified of upcoming sales.</p> <p>When you're looking for the best deals on gear, start shopping earlier rather than later. Give yourself ample time before you leave on your trip and avoid paying full retail price at the last minute.</p> <h2>2. Check the Chain Discount Stores</h2> <p>Discount stores like TJ Maxx and Marshalls are great places to look for steeply discounted travel gear. Find cheap travel gadgets like portable scales to weigh your bags (so you can avoid airline overweight baggage fees) and space-saver bags, which vacuum seal to store your clothing flat.</p> <p>These little items can add up faster than you'd imagine, but buying them at a discounter will ensure that your budget for gear goes much further.</p> <h2>3. Use Rewards Points</h2> <p>Some retailers offer rewards programs to encourage you to shop at their store more frequently. Eastern Mountain Sports, for example, offers a good rewards program that gives you a certain percentage back on your purchases in the form of a coupon that they mail out every so often. Especially when you're planning big purchases, make sure that you are getting reward points that can help defray the cost of future purchases.</p> <p>Other stores may further reward you for opening a credit card with them. <a href="http://www.wisebread.com/store-credit-cards-that-dont-suck?ref=internal" target="_blank">Store credit cards</a> can help you earn points faster and entitle you to special sales and discounts. If you're not familiar with their program, ask a sales representative before making your purchases. Just be sure you pay off your balance every month, because interest rates tend to be high on store cards.</p> <h2>4. Shop at the Right Time of the Year</h2> <p>To return to the example of Eastern Mountain Sports, this can be a great place to shop around the holidays. Often if you spend a certain amount, you will receive a gift card (usually for December, before Christmas).</p> <p>Even better are end-of-season sales (which often take place before the season is really over). Winter gear may go on sale as early as January; summer gear as early as July. Again, by planning ahead you can strategically purchase your travel gear when there are the best offers.</p> <h2>5. Consider Buying Secondhand</h2> <p>You don't always need your gear to be completely new and buying secondhand can be a great value if you're looking to significantly cut your costs. You can count on saving of at least 50% compared to buying new gear.</p> <p>There are some stores that specialize in secondhand gear and clothes, so check listings in your area to find out what your options are. You can also check online resources, like Craigslist and eBay, that will connect you directly with a seller.</p> <h2>6. Buy It When You Get There</h2> <p>Depending on where you're planning to travel, it may make more financial sense to hold off on your travel gear purchases until you arrive.</p> <p>For example, Nepal is a very common trekking destination and in the capital, Kathmandu, you can find entire streets filled with people selling sleeping bags, tents, and other trekking gear at steeply discounted rates from what you'd find in the United States.</p> <p>You can get quality, discounted gear in other places, too. In France, the store Decathlon offers good technical gear that is much more affordable than in the United States. Chamonix Alpine Equipment in Hong Kong has great prices on rock climbing shoes and other gear.</p> <p>Research your destination and find out how prices compare. Sometimes just waiting until you set off on your trip can save you a lot of money, plus the cost of transporting your gear there.</p> <h2>7. Does It Make Sense to Rent?</h2> <p>This is something every traveler needs to carefully consider. Sometimes rental costs can be exorbitant. Consider, for instance, renting a canoe at $45 a day. If you have the canoe for a week, you&rsquo;d have paid for the cost of the entire canoe.</p> <p>On the flip side, while you may not own the canoe, you do not have to haul it to your destination and back, store and maintain it, or find a buyer for it. All of that takes time &mdash; and money.</p> <p>Rentals often offer great convenience, especially if it's a one-time experience and not likely to be something that you will use again in the future.</p> <p>Whether you're buying new or used gear, or renting, there are many options to get a great value on travel gear. Decide what your priorities are and consider your budget before you get to the store. By doing a bit of research ahead of time, you can save a lot of money once you're ready to buy.</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%2F7-easy-ways-to-save-on-travel-gear&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%20Easy%20Ways%20to%20Save%20on%20Travel%20Gear.jpg&amp;description=7%20Easy%20Ways%20to%20Save%20on%20Travel%20Gear" 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/u5180/7%20Easy%20Ways%20to%20Save%20on%20Travel%20Gear.jpg" alt="7 Easy Ways to Save on Travel Gear" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/7-easy-ways-to-save-on-travel-gear">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</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/9-affordable-travel-items-that-you-shouldnt-leave-home-without">9 Affordable Travel Items That You Shouldn&#039;t Leave Home Without</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-through-the-airport-faster">How to Get Through the Airport Faster</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-save-on-baggage-fees">6 Ways to Save On Baggage Fees</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/should-you-sign-up-for-that-store-credit-card">Should You Sign Up for That Store Credit Card?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel deals discounts gear luggage rewards points travel Wed, 25 Jan 2017 10:30:25 +0000 Nick Wharton 1877970 at http://www.wisebread.com 5 Things Your Financial Planner Isn't Telling You About Retirement http://www.wisebread.com/5-things-your-financial-planner-isnt-telling-you-about-retirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-your-financial-planner-isnt-telling-you-about-retirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_financial_planner_485026010.jpg" alt="Couple learning what their financial planner isn&#039;t telling them about retirement" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Personal finances can get complicated fast, which is why many people seek the assistance of a financial adviser. Especially when considering your retirement, it can give you extra confidence to know that a professional is helping ensure you make the best decisions for your future.</p> <p>It may therefore come as a surprise to know that historically, financial advisers haven't been required to put your best interests first. But in April 2016, the Labor Department finalized a new rule that requires financial advisers who deal with retirement accounts to respect what's known as the fiduciary standard, meaning they <em>have</em> to put the client's interests first.</p> <p>Before, financial advisers just had to follow the suitability standard, which meant they were only required by law to provide clients a &quot;suitable&quot; plan, which might satisfy your basic requirements but isn't necessarily the best plan for you.</p> <p>When they're doing their job well, a financial adviser can help you invest your money wisely and plan for retirement. But it's always important to do your own research and stay informed. When it comes to retirement, here are some things your financial planner may not have brought to the table.</p> <h2>1. Fees May Grow With Your Assets</h2> <p>Financial advisers often charge based on a percentage of the assets they are managing for you. Unfortunately, the fees compound over time, just as your returns do. By the time you're ready to retire, that could mean you're paying thousands of dollars a year in fees.</p> <p>As your nest egg grows, keep an eye on your fees and renegotiate your rates, so you don't end up paying too much for their services.</p> <h2>2. Retiring Abroad Can Halve Living Costs</h2> <p>If you're feeling tight on funds for retirement and you're not sure how to make your money go further, there's an important alternative that you should be considering. Retiring abroad can <a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries?ref=internal">cut your retirement costs in half</a>. (See also: <a href="http://www.wisebread.com/x-exciting-world-cities-you-can-afford-to-retire-in?ref=seealso" target="_blank">4 Exciting World Cities You Can Afford to Retire In</a>)</p> <p>However, many U.S.-based financial advisers are entirely focused on domestic retirement and that's what they'll help you plan for. Plus, it may be in their interest to keep you close so you don't decide to move your funds elsewhere.</p> <p>If retiring abroad is something you want to truly consider, seek an expert who brings that specialty expertise to the table. You should also do your own research, including finding online forums for expatriates to answer your questions about retiring abroad. (See also: <a href="http://www.wisebread.com/5-incredible-places-to-retire-abroad-that-anyone-can-afford?ref=seealso" target="_blank">5 Incredible Places to Retire</a>)</p> <h2>3. Travel and Retirement Go Hand in Hand</h2> <p>If you've written off the idea of traveling as being too expensive, and these views are being reaffirmed by a conservative financial planner, it's time to re-evaluate. Retirement affords you great flexibility and the price of travel may be within closer reach than you realize.</p> <p>See also: <a href="http://www.wisebread.com/how-one-woman-retired-at-60-and-traveled-the-world?ref=seealso2" target="_blank">How One Woman Retired at 60 and Traveled the World</a></p> <p>Costs in many countries are often much lower than at home, and if you plan carefully &mdash; especially if you're able to start socking away money early in your career &mdash; your monthly budget may be able to absorb the extra expense of plane tickets, accommodations abroad, food, and entertainment. <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">Rewards credit cards</a> can help you <a href="http://www.wisebread.com/9-ways-to-use-travel-rewards-cards-to-get-free-trips" target="_blank">earn free travel</a>, too.</p> <p>See also: <a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less?ref=seealso2" target="_blank">How to Travel Full-Time for $17,000 a Year (or Less!)</a></p> <h2>4. An HSA Could Lower Your Health Care Costs</h2> <p>If you have a high-deductible health insurance plan, you may be eligible for a Health Savings Account. As with an IRA, HSA contributions are tax-free and they grow tax-free. You can leave money in the account for years and if you withdraw the funds to pay for qualified health care costs, you will still not pay taxes on the money. If you have a balance at age 65 and want to use it for nonmedical expenses, you can, but the withdrawals will be taxable. (See also: <a href="http://www.wisebread.com/how-an-hsa-saves-you-money?ref=seealso" target="_blank">How an HSA Saves You Money</a>.)</p> <p>Keep in mind that only people enrolled in qualifying high-deductible health care plans are eligible. But if you're one of them, an HSA could be an important part in reducing your health expenses during retirement.</p> <h2>5. You May Be Able to Ditch Your Life Insurance</h2> <p>Having a life insurance policy is useful if someone else will be financially hurt when you die. However, depending on your particular situation, you may no longer have dependents after you retire. Or you may have investments and pensions that pay 100% to the surviving spouse. In that case, your spouse won't suffer financially from your death and you probably don't need life insurance.</p> <p>There are a lot of variables to consider when planning for retirement, and a financial planner can clarify your options. But while a financial planner can be a helpful resource, they aren't the ultimate authority on what's best for you. Stay informed and choose what's best for you and your family.</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/5-things-your-financial-planner-isnt-telling-you-about-retirement">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/if-youre-lucky-enough-to-receive-a-pension-here-are-6-things-you-need-to-do">If You&#039;re Lucky Enough to Receive a Pension, Here Are 6 Things You Need to Do</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-almost-anyone-can-afford-to-retire-in-mexico">How Almost Anyone Can Afford to Retire in Mexico</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-keys-to-an-early-retirement">4 Keys to an Early Retirement</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/retire-for-half-the-cost-in-these-5-countries">Retire for Half the Cost in These 5 Countries</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-incredible-places-to-retire-abroad-that-anyone-can-afford">5 Incredible Places to Retire Abroad That Anyone Can Afford</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement expats fees fiduciary financial advisers financial planners health care life insurance living abroad retiring overseas travel Tue, 10 Jan 2017 11:00:09 +0000 Nick Wharton 1870053 at http://www.wisebread.com 7 Frugal Ways to Protect Your Home During the Holidays http://www.wisebread.com/7-frugal-ways-to-protect-your-home-during-the-holidays <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-frugal-ways-to-protect-your-home-during-the-holidays" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-137806346.jpg" alt="protect your home during holiday travel" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Headed out of town for the holidays? Don't get McCallistered! Keep the Harrys and Marvs at bay with these cheap ways to protect your home while you're away.</p> <h2>1. Ask a Friend or Neighbor to Watch the House</h2> <p>If you have the good fortune of having someone close to you who's sticking around for the holidays, it won't hurt to ask if they'd mind keeping an eye on your property &mdash; maybe even house sit. Your house sitter can collect the mail &mdash; as mail and newspaper buildup is a telltale sign that a house is unoccupied &mdash; and make sure trash and recycling is put out if you're departing on an off day.</p> <p>The sitter's coming and going will keep activity at your home consistent to deter would-be burglars. Make sure it's convenient for whomever you ask (if it's out of the way, you should expect to pay), and stock the fridge with the sitter's favorite foods and drinks to make the stay more comfortable and enjoyable.</p> <h2>2. Leave the Lights On</h2> <p>Even if I'm not leaving town for an extended period of time, I like to keep my dining room light or the TV in my living room on to create the illusion that someone is always home &mdash; and that's not a bad idea, according to Alyse Ainsworth, safety and security expert at ASecureLife.com.</p> <p>&quot;If your home looks like there are people in it, you'll be less likely to be robbed,&quot; she says. &quot;Consider installing motion light sensors or even a timer for your exterior and interior lights. You can also purchase timers that can be controlled with a mobile app. You can turn your lights on and off strategically, making it harder for burglars to keep track of patterns.&quot;</p> <p>Yes, I do realize that keeping the lights on nonstop for days on end will hike up that month's bill, but it's only one room, and it's cheaper than getting robbed.</p> <h2>3. Stop Announcing Your Plans on Social Media</h2> <p>I get it &mdash; you want to share your vacation plans with your friends on Facebook, Twitter, and Instagram, but in doing so, you may be giving someone all the details they need to clean you out during your daiquiri fest on the beach. If you'd like to share your vacation photos, do it after the trip is over when you're safe at home. You'll enjoy more of your vacay when you're<em> present</em> anyway; two for one.</p> <h2>4. Lock Up Every Entrance</h2> <p>Before you leave your house for good, do one last check that all points of entry are locked and secure. &quot;Robbers will see an unlocked door as an invitation to come in and take whatever they want,&quot; Ainsworth says. But don't forget the garage or windows, either. Burglars aren't particularly picky about how they get into your house, and they'll exhaust all their options before they give up if you've got what they want inside.</p> <h2>5. Don't Leave a Paper Trail</h2> <p>Thieves don't just want your tangible things. These days, identity theft is perhaps more valuable than any material item burglars will lift from your home, and it's wise to keep that in mind when tossing receipts and other financial and identifying documents in the trash and recycling bins.</p> <p>&quot;With the growing concern of identity theft, residents should also be mindful of what they're throwing out, being sure to utilize a paper shredder for documents with sensitive, personal information,&quot; advises Lynn Edmonson, regional manager of a property management firm in Florida. &quot;Placing un-shredded items in the trash not only increases your odds of identity theft, but it is also a method for burglars to find out whether or not a home is worth the effort of being burglarized.&quot;</p> <h2>6. Call Your Local Authorities For a Safety Check</h2> <p>Identity theft expert Robert Siciliano offers a great tip most people probably don't think of: Call the police <em>before</em> your house is robbed. Local law enforcement can provide basic tips on how to <a href="http://www.wisebread.com/diy-home-defense-10-ways-to-protect-your-home-from-burglars" target="_blank">secure your home</a> before a trip, and they also can tell you what's trending in neighborhood crime &mdash; like bike or tool theft from a shed, for instance, or if home break-ins are on the rise and what the burglars are typically looking for. He also suggests looking for community programs in your area where law enforcement specialists are available to inspect properties and provide an assessment on how to fortify your home better.</p> <h2>7. Get a Dog &mdash; Or At Least a &quot;Beware of Dog&quot; Sign</h2> <p>Dogs are great protectors of your property &mdash; even those little guys whose barks are worse than their bites, because sometimes all it takes to deter a burglar is fear of having his limbs gnawed off. If you don't like the idea of pet parenthood, however, at least take a trip to Home Depot to pick up a &quot;Beware of Dog&quot; sign to make thieves think you've got a snarling canine on the premises. Siciliano details how to make the setup look even more authentic.</p> <p>&quot;Buy the biggest dog food bowl possible &mdash; one bowl for the front porch and one for the back,&quot; he says. &quot;Writing &quot;Killer&quot; on the bowl will give a burglar the impression that you have a big and vicious dog. You can even buy a barking dog alarm.&quot;</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%2F7-frugal-ways-to-protect-your-home-during-the-holidays&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%20Frugal%20Ways%20to%20Protect%20Your%20Home%20During%20the%20Holidays.jpg&amp;description=7%20Frugal%20Ways%20to%20Protect%20Your%20Home%20During%20the%20Holidays" 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/u5180/7%20Frugal%20Ways%20to%20Protect%20Your%20Home%20During%20the%20Holidays.jpg" alt="7 Frugal Ways to Protect Your Home During the Holidays" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/7-frugal-ways-to-protect-your-home-during-the-holidays">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-ultimate-guide-to-flying-during-the-holidays">The Ultimate Guide to Flying During the Holidays</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-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</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/8-things-you-can-do-in-denver-that-you-cant-do-anywhere-else">8 Things You Can Do in Denver That You Can&#039;t Do Anywhere Else</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-flight-booking-hacks-to-save-you-hundreds">10 Flight Booking Hacks to Save You Hundreds</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Travel Christmas holiday travel home protection home security surveillance travel Tue, 20 Dec 2016 11:30:11 +0000 Mikey Rox 1858110 at http://www.wisebread.com 10 Travel Destinations for People Who Hate Crowds http://www.wisebread.com/10-travel-destinations-for-people-who-hate-crowds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-travel-destinations-for-people-who-hate-crowds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beach_guam_50324852.jpg" alt="Finding travel destinations for people who hate crowds" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For those looking to <a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">get away from it all</a>, the last thing some people want to do is go to a place packed with people and fast-paced activity. Even a beach holiday, which sounds relaxing, can become a nightmare when you're surrounded on all sides with sunbathers, loungers, towels, coolers, and volleyball games. So if you're no fan of crowds, but desperately want to escape, here are 10 destinations worth checking out.</p> <h2>1. Negril, Jamaica</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/beach_jamaica_29967128.jpg" width="605" height="340" alt="" /></p> <p>With a population of just under 7,000, Negril is a widely dispersed beach resort in Jamaica. And despite travel magazines consistently naming it one of the top 10 beaches in the world, it's still very far from a crowded destination. The beach itself is over four miles long, and that alone makes it a tough one to fill with crowds. There are also a variety of activities to keep you busy over your vacation, if the beautiful beach gets to be too much for you. Snorkeling, diving, and cliff jumping offer the more adventurous holidaymakers a chance to live a little. There's also an all-inclusive resort on the beach, plus other boutique places to stay that cater to those who want a more exclusive experience.</p> <h2>2. Amelia Island, Florida</h2> <p>Mention a Florida vacation to anyone, and they'll usually chime in with Miami beaches, or Orlando (and Disney). But there is a place in Florida, hiding away, that is far from the overcrowding of those typical spots. Amelia Island is enchanting, with <a href="http://www.ameliaisland.com/Tour-Amelia-Island/Beaches">over 13 miles of beaches</a>, plus incredible scenery, wildlife, dining, fishing, boating, and so much more. Tour the website and one thing you'll instantly notice is how quiet and peaceful everything looks. Not a lot of hustle and bustle. The beaches are almost deserted. Even the festivals are way less crowded than the average event, should you decide to venture to one. Overall, you'd have to go out of your way to hit a large crowd on Amelia Island. Hopefully, this hidden gem stays that way.</p> <h2>3. Folly Beach, South Carolina</h2> <p>Located on Folly Island, there are many words that come to mind when describing Folly Beach. Charming, open, remote, tranquil, peaceful, refreshing, and comfortable, are just a few that barely scratch the surface of the place locals call &quot;the Edge of America.&quot; The beaches are wide open, there a long piers to walk along, local shops to peruse, and plenty of hotels and inns to accommodate your needs. <a href="http://www.follybeach.com/activities/">Activities</a> include surfing, kayaking, paddle boarding, fishing, picnicking, camping, and bicycling. It's not exactly the city that never sleeps, but that's kind of the point.</p> <h2>4. Upolo, Samoa</h2> <p>There are few places that live up to that idyllic Hollywood vision of a tropical beach paradise; <a href="http://www.samoa.travel/page/explore-upolu-the-gateway-to-samoa">Upolo, Samoa,</a> is one of them. Immaculate white beaches, crystal blue water, tall palm trees, beach huts, and waterfalls, make Upolo a feast for your eyes. And fortunately, not too many eyes, as this blissful destination is rarely in anyone's top 20 places to go and visit. You can take advantage of that, and get away for some peace and quiet that will be the envy of others&hellip; once they see your photos on Facebook. You'll find incredible fresh food in the market on Fugalei Street, you can take up diving, and even venture into the rain forests.</p> <h2>5. County Donegal, Ireland</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/beach_ireland_63638197.jpg" width="605" height="340" alt="" /></p> <p>Lonely Planet has described County Donegal as&quot;a county of extremes: at times desolate and battered by brutal weather, yet in turn a land of unspoiled splendor where stark peaks and sweeping beaches bask in glorious sunshine.&quot;</p> <p>Anyone who has ever traveled to this part of Europe knows that the bad weather will always play a part in the vacation at some point. But for those wanting to avoid crowds, and take in a beautiful slice of Irish charm, County Donegal is perfect. Some of the sights worth taking in include Donegal Castle, Banba's Crown, Magheraroarty Beach, and Fort Dunree. Kick back in one of the local, uncrowded pubs, and indulge in a real pint of Guinness as you take in the peace and quiet.</p> <h2>6. Most Areas of Guam</h2> <p>I can speak from personal experience, as I visited my wife's family in Guam several years ago. My reaction was simply, &quot;How is a place this beautiful not packed with tourists?&quot; If you don't know it, Guam is a U.S. island territory in Micronesia, and it's a tropical paradise filled with the whitest beaches, palm trees, and crystal clear water. Visit places like Asan, Talofofo, and Ritidian Point, and you can find yourself on a clear stretch of beach that feels like Hawaii, but looks like a scene from <em>Robinson Crusoe</em>.</p> <p>The weather is hot and humid, but you will soon get used to that. And once you've paid for the flight, the accommodations and food are very affordable. Traditional Chamorro food is delicious, and there are influences of Japanese, Filipino, and even Jamaican flavors. This is an incredible place for people who want the island paradise without the crowds and tourists. You will also find some of the most welcoming and friendly people anywhere in the world. If you want to avoid the crowds, avoid Tuman Bay &mdash; that's the center of Guam's tourism industry.</p> <h2>7. New Braunfels, Texas</h2> <p>Imagine a place where Texan and German cultures coexist in perfect harmony. That's New Braunfels, a town in Texas that was founded in 1845 by Prince Carl of Solms-Braunfels, Germany. For the locals, it's nothing special to see German billboards and street names, but for those tourists who come to stay, it can be something of a surprise. There are a variety of activities for vacationers here, including tubing down the river, paddle boating, the Wurstfest, and Schlitterbahn Waterpark. There's also plenty of wildlife, the largest caverns in Texas, and <a href="http://www.nbghosttours.com/">spooky ghost tours.</a> Some will call it quaint, or even unremarkable, but if you want a relaxing, uncrowded vacation, give it a try.</p> <h2>8. Mindanao, Philippines</h2> <p>The second largest island in the Philippines (Luzon holds the top spot), Mindanao has some of the most stunning scenery and natural wonders that you will ever see on vacation. Take <a href="http://www.pinasmuna.com/2012/02/maria-cristina-falls-is-in-mindanoa.html">Maria Cristina Falls</a>, a waterfall that powers a hydroelectric plant, giving Mindanao most of its electricity. It's sometimes known as the &quot;twin falls,&quot; and at over 320 feet high, surrounded by lush trees and vegetation, it could be at home in a <em>King Kong</em> movie. Aside from the tropical rain forests and jungle adventures, you can also indulge in Bangus Fry fishing, snorkeling, mountain climbing, and swimming with whales. And once you arrive, your money will stretch far. For example, one liter of high quality Tanduay Rum costs just 45 pesos; at the current exchange rate, that's around 96 cents.</p> <h2>9. Rotorua, New Zealand</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/beach_new_zealand_39724148.jpg" width="605" height="340" alt="" /></p> <p>Nicknamed &quot;New Zealand's Coolest Hot Spot,&quot; the big draw for people who've done their research are the hot springs of Rotorua. The volcanic activity has created natural hot-water attractions such as <a href="http://www.rotoruanz.com/visit/see-and-do/geothermal-wonders/lake-tarawera-water-taxi-ecotours">Te Rata Bay (Hot Water Beach)</a> and <a href="http://www.rotoruanz.com/visit/see-and-do/geothermal-wonders/hells-gate-geothermal-mud-bath-spa">Hells Gate Mud Bath</a>, which has been used for generations by Maori to ease joint and muscle pain. Aside from the geothermal delights, you can also partake in cycling adventures, lake and river activities, fishing, hunting, golf, hikes, and scenic flights.</p> <h2>10. Huacachina, Peru</h2> <p>It's got sand. Lots of sand. And, it's got water. But this is no beach vacation. <a href="http://huacachina.smugmug.com/Huacachina/">Huacachina</a> is a desert oasis located in Southern Peru, and offers dune buggy rides and sand boarding for those who like adventure far from the masses. Located five hours south of Lima, you will stay in a paradise surrounded by ancient mountains of sand in every direction. Private tour packages are available, and you can also be taken outside of the oasis to other parts of Peru. But chances are, once you're here, away from everything, you'll want to stay.</p> <p><em>What are some other perfect destinations for people who hate crowds? Share with us!</em></p> <h2 style="text-align: center;">Like this post? 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%2F10-travel-destinations-for-people-who-hate-crowds&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%20Travel%20Destinations%20for%20People%20Who%20Hate%20Crowds.jpg&amp;description=10%20Travel%20Destinations%20for%20People%20Who%20Hate%20Crowds" 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/u5180/10%20Travel%20Destinations%20for%20People%20Who%20Hate%20Crowds.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/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-travel-destinations-for-people-who-hate-crowds">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/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</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-flight-booking-hacks-to-save-you-hundreds">10 Flight Booking Hacks to Save You Hundreds</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-groupon-getaways-a-good-idea">Are Groupon Getaways a Good Idea?</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/make-your-escape-with-these-14-affordable-weekend-getaways">Make Your Escape With These 14 Affordable Weekend Getaways</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-questions-to-ask-before-you-book-a-vacation-package">6 Questions to Ask Before You Book a Vacation Package</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel budgeting hate crowds introvert travel travel destinations travel plans vacation Tue, 13 Sep 2016 10:00:16 +0000 Paul Michael 1791533 at http://www.wisebread.com 10 Frugal Fall Getaways You Can Start Packing For Now http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-frugal-fall-getaways-you-can-start-packing-for-now" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/ireland_castle_76621825.jpg" alt="Finding frugal fall getaways you can start packing for" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Travel is always wonderful, but it can be a struggle when you're on a budget. It's important to look for places where the dollar is doing well, or maybe somewhere you can get a package deal that includes your flight and hotel. If you're looking for a cheap &mdash; but still awesome &mdash; getaway for the fall, here are some places you should look into. (See also: <a href="http://www.wisebread.com/6-easy-ways-to-get-free-travel?ref=seealso">6 Easy Ways to Get Free Travel</a>)</p> <h2>1. Greece</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/athens_greece_66332307.jpg" width="605" height="340" alt="" /></p> <p>Though it can still cost a lot to stay on one of the more famous islands like Santorini, Greece's economic issues make it one of the cheaper places to stay. Ferries run between islands &mdash; if you want to check all of them out &mdash; but there are <a href="https://www.lonelyplanet.com/greece/athens/travel-tips-and-articles/the-best-free-things-to-do-in-athens">tons of cheap things to do in Athens</a>, too. And that's probably what you're going to want to see when you're traveling to Greece.</p> <h2>2. Cambodia</h2> <p>Cambodia is <a href="http://www.priceoftravel.com/46/cambodia/phnom-penh-prices">one of the cheapest places</a> to visit, and it's filled with amazing things to see. Angkor Wat alone has so many temples and so much ground to cover, you might need more than just a day pass to do it. And that's only one of the sites this country has to offer. With its low prices and attractions, you'll get your money's worth here.</p> <h2>3. Camping Somewhere Stateside</h2> <p>If you feel like staying in the states, there's bound to be an awesome camping destination within a few hours of you. Hiking, fishing, and just being in the middle of all nature has to offer is an amazing thing. If you really want to rough it, tent sites are usually cheaper. But if you want something a little bit sturdier, log cabins are the way to go.</p> <h2>4. Dominican Republic</h2> <p>If you want a Caribbean vacation that doesn't hurt your wallet, the Dominican Republic is your perfect spot. It's a great place for an all-inclusive vacation. Some hotels have multiple pools, bars, and gourmet restaurants that are included with the price of your stay. Activities like golfing, scuba diving, and parasailing come with additional fees &mdash; and the resorts can book those adventures for you.</p> <h2>5. Puerto Rico</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/puerto_rico_85980345.jpg" width="605" height="340" alt="" /></p> <p>Another decently priced tropical destination, Puerto Rico is great because the flights are cheap and they use the US dollar for currency. Avoid the touristy areas if you want to get your money's worth. Hit up the <a href="http://www.seepuertorico.com/en/destinations/west/">west coast of the island for amazing beaches</a> and smaller crowds.</p> <h2>6. Vietnam</h2> <p>Though it's becoming more popular, Vietnam is still cheap and beautiful. If you go while budgeting, you can get by on less than $40 a day. Since most of the country is pretty underdeveloped, it's a great place to backpack and go on a true adventure. If you're not into that, Hanoi and Ho Chi Minh City are the more popular tourist destinations.</p> <h2>7. Bolivia</h2> <p>One of only two landlocked countries in South America, Bolivia is often overlooked. The city of La Paz is a unique place that blends modern life with indigenous traditions, and it's full of activities that aren't to be missed. And if you venture away from the city, you can see more of the indigenous and religious culture you can't experience anywhere else.</p> <h2>8. San Diego</h2> <p>Unlike Los Angeles and San Francisco, it's a lot easier to get a bargain here. Beaches are your best bet, with miles of boardwalk and coastline to be explored. The Coronado Ferry is pretty cheap to ride, and it lets you see the sites from a different perspective. If you have a bit more money to spend, take in one of the famous destinations here, like the San Diego Zoo.</p> <h2>9. Bulgaria</h2> <p>Another frequently overlooked destination, Bulgaria has some of the most deserted beaches in Europe. It also boasts old towns to explore and mountain ranges to trek. It's been influenced by multiple cultures, so you'll see a unique blend of things here that make it a must-see destination. There are a ton of gorgeous monasteries and churches if you get tired of being on the beach all day.</p> <h2>10. Ireland</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ireland_scenic_83019115.jpg" width="605" height="340" alt="" /></p> <p>Travel to Ireland has gotten cheaper in recent years, and it's a deal worth jumping on. With Dublin being a big city, it can be more on the expensive side for things like food, but there are still plenty of free things to do to fill your time. Journey out to the countryside for some amazing views and cheaper places to stay &mdash; though you might want to rent a car to fully experience everything this country has to offer.</p> <p>You can still travel to some of the most amazing places in the world while on a budget. Go to places less-traveled, plan ahead to find cheap flights and hostels, and make the most of the spending limit you have. There's nothing wrong with going off the beaten path to see something awesome!</p> <p><em>What are some other cheap fall destinations? Share with us!</em></p> <h2 style="text-align: center;">Like this post? 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%2F10-frugal-fall-getaways-you-can-start-packing-for-now&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%20Frugal%20Fall%20Getaways%20You%20Can%20Start%20Packing%20For%20Now.jpg&amp;description=10%20Frugal%20Fall%20Getaways%20You%20Can%20Start%20Packing%20For%20Now" 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/u5180/10%20Frugal%20Fall%20Getaways%20You%20Can%20Start%20Packing%20For%20Now.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/anum-yoon">Anum Yoon</a> of <a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">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-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/are-groupon-getaways-a-good-idea">Are Groupon Getaways a Good Idea?</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-frugal-destinations-for-a-dreamy-winter-getaway">8 Frugal Destinations for a Dreamy Winter Getaway</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> Frugal Living Budgeting Travel budget travel budgeting fall getaways frugal travel saving money travel vacation Wed, 07 Sep 2016 10:00:16 +0000 Anum Yoon 1787549 at http://www.wisebread.com 5 Hotel Room Booking Tools Every Frugal Traveler Should Know http://www.wisebread.com/5-hotel-room-booking-tools-every-frugal-traveler-should-know <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-hotel-room-booking-tools-every-frugal-traveler-should-know" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/505640207.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Frequent travelers know a thing or two about scoring the <a href="http://www.wisebread.com/how-to-stay-in-a-5-star-hotel-for-less-than-the-cost-of-a-motel?ref=internal">best deals on hotel rooms</a>, but you don't have to be a road warrior to snag a great room on the cheap. We've found some of the best tools to help you get terrific prices on hotel rooms. (See also: <a href="http://www.wisebread.com/10-surprising-ways-to-save-money-on-hotels?ref=seealso">10 Surprising Ways to Save Money on Hotels</a>)</p> <h2>1. Roomer</h2> <p><a href="https://www.roomertravel.com/">Roomer</a> brings the sharing economy to hotel rooms. It's a bit like Airbnb, but strictly for hotels. Customers can buy unused hotel rooms from other people who don't want theirs, often at deep discounts. Roomer's easy interface makes it simple to buy or sell unused hotel rooms quickly and efficiently.</p> <h2>2. Hotel Tonight</h2> <p>Traveling last-minute? Don't despair. Some of the best deals on hotel rooms can actually be had when you book on the same day. That's because hotels are eager to offload excess inventory before it's too late &mdash; and that's where <a href="https://www.hoteltonight.com/">Hotel Tonight</a> comes in. They show you all the very last-minute deals available in the city of your choice. I've snagged rooms that typically go for over $500 for $100 or less using this app.</p> <h2>3. Hotel Loyalty Cards</h2> <p>I just scored two weeks of free hotels in Europe for zilch. The secret was my <a href="http://www.wisebread.com/breakdown-of-benefits-and-value-of-the-best-hotel-rewards-programs-and-credit-cards?ref=internal">hotel rewards credit cards</a>. Credit cards offered by major hotel chains such as <a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express?ref=internal">Starwood Preferred Guest Credit Card</a> or <a href="http://www.wisebread.com/more-rewarding-hotel-stays-hilton-hhonors-card-from-american-express?ref=internal">Hilton HHonors Card</a> often come with <a href="http://www.wisebread.com/5-best-credit-cards-with-sign-up-bonuses-for-hotel-stays?ref=internal">big bonus point hauls for new customers</a>, plus you earn points with every purchase. Finally, these credit cards can come with perks like <a href="http://www.wisebread.com/the-5-best-credit-cards-with-free-hotel-status-upgrades?ref=internal">hotel status upgrades</a>, which will get you free Wi-Fi, room upgrades, and more. (See also: <a href="http://www.wisebread.com/tips-for-using-hotel-reward-points-to-get-the-most-value?ref=seealso">Tips for Using Hotel Rewards Points to Get the Most Value</a>)</p> <h2>4. Coupon Sherpa</h2> <p>Couponing isn't just for groceries or other household items. Coupon aggregator sites, such as <a href="http://www.couponsherpa.com/">Coupon Sherpa</a>, can also help you locate coupons for use on booking sites like Hotels.com. So, don't forget to quickly search for coupon codes before booking a room. (See also: <a href="http://www.wisebread.com/travel-resources?ref=seealso">40 Most Useful Trvel Websites That Can Sve You a Fortune</a>)</p> <h2>5. Your Phone's Calendar or Clock</h2> <p>As they say, timing is everything, and that couldn't be more true when booking hotels. Often, rooms at resort or vacation destinations are cheapest mid-week, when most tourists can't travel, so consider booking your trip on Tuesdays, Wednesdays, or Thursdays to score the best hotel deals. But hotel rooms at business destinations are the opposite: They're cheapest on the weekends, when business travelers are home with families.</p> <p>Another timing trick? Check in late in the day to maximize the success of haggling for room upgrades, free WiFi, or other perks.</p> <p><em>Any other frugal hotel booking tips we should know about? Share with us!</em></p> <h2 style="text-align: center;">Like this post? 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%2F5-hotel-room-booking-tools-every-frugal-traveler-should-know&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%20Hotel%20Room%20Booking%20Tools%20Every%20Frugal%20Traveler%20Should%20Know.jpg&amp;description=5%20Hotel%20Room%20Booking%20Tools%20Every%20Frugal%20Traveler%20Should%20Know" 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/u5180/5%20Hotel%20Room%20Booking%20Tools%20Every%20Frugal%20Traveler%20Should%20Know.jpg" alt="" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janet-alvarez">Janet Alvarez</a> of <a href="http://www.wisebread.com/5-hotel-room-booking-tools-every-frugal-traveler-should-know">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/are-groupon-getaways-a-good-idea">Are Groupon Getaways a Good Idea?</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/taking-frugal-road-trips-even-when-gas-prices-are-high">Taking Frugal Road Trips (Even When Gas Prices Are High)</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/5-affordable-alternatives-to-pet-boarding">5 Affordable Alternatives to Pet Boarding</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/frugal-amazing-and-easy-to-navigate-the-10-best-international-cities-to-visit">Frugal, Amazing, and Easy-to-Navigate: The 10 Best International Cities to Visit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Travel cheap travel hotel travel travel apps travel tools Fri, 19 Aug 2016 10:30:20 +0000 Janet Alvarez 1775078 at http://www.wisebread.com How to Improve Your Finances Using Social Media http://www.wisebread.com/how-to-improve-your-finances-using-social-media <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-improve-your-finances-using-social-media" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_phone_text_94856801.jpg" alt="Woman learning how to improve finances using social media " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Social media is about more than just looking at friends' baby photos, posting what you ate for dinner last night, and watching the most recent viral videos. It can actually help you improve your finances, land a new job, and reach your savings goals more efficiently. That's why we've found some of the best ways to improve your finances by getting the most out of social media. (See also: <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money?ref=seealso">6 Ways Social Media Can Save You Money</a>)</p> <h2>&quot;Friend&quot; Your Credit Cards and Bank</h2> <p>Add your credit card issuers and bank to your social media accounts by &quot;friending&quot; or following them. Large institutions usually offer deals to followers, so you can enjoy a lower APR, higher savings interest rate, or other money-saving promos. In fact, according to U.S. News, social media is often the first outlet that banks choose to <a href="http://money.usnews.com/money/personal-finance/articles/2015/06/03/why-the-financial-services-industry-started-tweeting">share news about upcoming deals</a>.</p> <p>Social media is also possibly the best way to get in touch with customer service quickly, as it will allow you to get their attention more easily. Just make sure to keep your account information, address, and any other private information off the message boards and social media pages.</p> <h2>Enjoy Travel and Shopping Deals</h2> <p>There are endless travel and shopping deals available through social media. Retailers often choose social media as the first outlet to announce upcoming sales, so their friends and followers are able to take advantage of the biggest discounts first. Followers are frequently offered early deals, as well.</p> <p>You can find Twitter-specific deals that can save you on everything from rental cars and vacations to eating out and even buying gifts. Before going out to make any purchases, check Facebook, Twitter, Instagram, and Pinterest to make sure there aren't any deals that you're missing. You can even check social media hashtags, such as #deal, to find the best deals in your area.</p> <h2>Share Goals</h2> <p>Many financial experts recommend sharing your financial goals online. By setting your goals early and sharing them with the people you love, it can help you articulate what you really want and hold you accountable to achieve your goals. In fact, research has shown that making <a href="http://www.fastcompany.com/3047432/work-smart/why-sharing-your-progress-makes-you-more-likely-to-accomplish-your-goals">public statements about goals</a> can help you achieve them more efficiently. However, you never want to reveal anything too personal, such as private information that fraudsters can use against you.</p> <h2>Get Money-Saving Tips</h2> <p>By following your favorite finance site on social media, you can find endless free money-saving tips and updates. You can also find forums and group discussions with unique money-saving ideas and encouragement from others. You can even find good financial and investment advice online.</p> <p>Seeing these tips on a daily basis on your social media pages can also be a good reminder each and every day to protect your hard-earned income. After all, we all need a reminder once in a while that we don't really need that new top or expensive latte in the morning.</p> <h2>Find a New Job</h2> <p>LinkedIn can be an invaluable tool when you're searching for a new job. You can apply for jobs directly through LinkedIn, perfect your resume, and even reach out to potential employers and former colleagues. Contacting them through Facebook or Twitter won't be as effective or as professional as contacting them through LinkedIn.</p> <p>With LinkedIn, once you have created a professional profile, employers and recruiters can even reach out to you with potential job offers. You can also join LinkedIn groups within your field so you are the first to know about potential opportunities. You can even add examples of your work, recommendations from current or previous coworkers, and any honors you've received to better build your online portfolio.</p> <h2>Make Connections</h2> <p>Networking through social media can result in better face-to-face communication, potential job offers, and endless contacts in your field. Simply following someone or sharing their social media posts can be a great first step in networking and making connections.</p> <h2>Build Your Brand</h2> <p>Whether you're promoting your personal business or services, or just want to build your reputation as the best in your field, posting on social media can be a great start. Just make sure to stay consistent so that you can reach as many followers as possible.</p> <h2>Research More Efficiently</h2> <p>Gone are the days of asking for financial suggestions from friends and coworkers. Whether you're looking for a new financial planner or would like information on which investments to make, you can find more information quickly through social media. With a simple social media search, you can find detailed research on the investment product or financial adviser you're interested in.</p> <p>You can also find suggestions for dentists and other service providers in your area through social media. This will ensure you get what you're looking for and don't waste money.</p> <h2>Sell Your Items</h2> <p>If you create and sell items privately, such as through Etsy, social media can be a great free platform for you to advertise your products or services. This can help you bring in more revenue, reach new customers, and show off your work to a limitless audience.</p> <h2>Make Some Extra Income</h2> <p>There are even ways to make some extra income using social media. If you have a large following, you can publish sponsored tweets or sign up for affiliate accounts, where you will receive your own unique link to earn some extra income when followers make purchases using that link. (See also: <a href="http://www.wisebread.com/6-ways-to-make-extra-money-using-social-media?ref=seealso">6 Ways to Make Extra Money Using Social Media</a>)</p> <p><em>Have you followed Wise Bread on social media yet? What are your best tips for improving your finances through social media? </em><em>Please share your thoughts 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/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/how-to-improve-your-finances-using-social-media">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/heres-how-a-spending-ban-can-help-and-hurt-you">Here&#039;s How a Spending Ban Can Help (and 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/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon">6 Smart Ways to Save Money This Year (Without Clipping a Coupon)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-of-the-coolest-sayings-about-saving">10 of the Coolest Sayings About Saving</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology advice blogs deals extra money Internet job hunting promotions saving money selling shopping social media travel Mon, 25 Jul 2016 09:00:11 +0000 Andrea Cannon 1753337 at http://www.wisebread.com 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-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/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/top-seven-reasons-why-i-use-my-credit-card-for-everything">Top 7 Reasons Why I Use My Credit Card for Everything</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/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-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-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</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-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/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/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</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-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-money-saving-hacks-are-a-huge-waste-of-time">These 5 Money-Saving Hacks Are a Huge Waste of Time</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</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-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/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</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/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-4 views-row-even"> <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-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><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/BoA_Travel-154.jpg" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href=" http://ct.wisebread.com/click.php?pg=206&amp;pid=108&amp;pp=1&amp;uv=xcardbutton" rel="nofollow" alt="BankAmericard Travel Rewards&reg; Credit Card" title="BankAmericard Travel Rewards&reg; Credit Card" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></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><img src=" http://www.imgsynergy.com/191x120/capital-one-venture-rewards-credit-card-101614.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=26&amp;pp=2&amp;uv=xcardbutton" rel="nofollow" alt="Capital One&reg; Venture&reg; Rewards Credit Card" title="Capital One&reg; Venture&reg; Rewards Credit Card" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></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 3 months of approval. 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><img src="http://www.imgsynergy.com/191x120/chase-sapphire-preferred-card-110716.png" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" alt="" border="0" height="97" width="154" /><a href=" http://ct.wisebread.com/click.php?pg=206&amp;pid=38&amp;pp=3&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></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><img src="http://www.imgsynergy.com/191x120/premier-rewards-gold-card-111715.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=3&amp;pp=4&amp;uv=xcardbutton" rel="nofollow" title="American Express&reg; Premier Rewards Gold Card" alt="American Express&reg; Premier Rewards Gold Card" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></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. <a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/premier-rewards-gold-card/26129-10-0/?print#terms-details">See rates and fees.</a></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><img src="http://www.imgsynergy.com/191x120/the-jetblue-card-030916.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href=" http://ct.wisebread.com/click.php?pg=206&amp;pid=103&amp;pp=5&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></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; World Elite&trade; MasterCard&reg;</h3> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/CitiAAdvantagePlatinumSelectMasterCard-0601.jpg" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href=" http://ct.wisebread.com/click.php?pg=206&amp;pid=52&amp;pp=6&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" 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; World Elite&trade; 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 50,000 bonus miles after making $3,000 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; World Elite&trade; MasterCard&reg; today!</a></strong></p> <h3>Gold Delta SkyMiles&reg; Credit Card from American Express</h3> <p><img src="http://content.linkoffers.net/SharedImages/Products/73/598430.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=9&amp;pp=7&amp;uv=xcardbutton" rel="nofollow" alt="Gold Delta SkyMiles&reg; Credit Card from American Express" title="Gold Delta SkyMiles&reg; Credit Card from American Express" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></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. <a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/delta-gold-credit-card/26129-10-0/?print#terms-details">See rates and fees.</a></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><img src="http://www.imgsynergy.com/191x120/starwood-preferred-guest-consumer-081115.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=14&amp;pp=8&amp;uv=xcardbutton" rel="nofollow" alt="Starwood Preferred Guest&reg; Credit Card from American Express" title="Starwood Preferred Guest&reg; Credit Card from American Express" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></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 and Marriott Rewards 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, earn 25,000 bonus Starpoints after making $3,000 in purchases within the first 3 months and, for a limited time, earn an extra 10,000 bonus points after spending an additional $2,000 within the first 6 months (offer ends 4/5). 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 apply. <a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/starwood-preferred-credit-card/26129-10-0/?print#terms-details">See rates and fees.</a></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><img src="http://www.imgsynergy.com/191x120/hilton-hhonors-card-from-american-express-102015.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=10&amp;pp=9&amp;uv=xcardbutton" rel="nofollow" alt="Hilton HHonors&trade; Card from American Express" title="Hilton HHonors&trade; Card from American Express" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>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. <a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/hilton-hhonors-credit-card/26129-10-0/?print#FeeTable">See rates and fees.</a></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><img src="http://www.imgsynergy.com/191x120/platinum-card-102015.png" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" alt="" border="0" height="97" width="154" /><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=11&amp;pp=10&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></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 1,000 airport lounges in the Global Lounge Collection, including Delta Sky Clubs, Airspace Lounges, the Centurion lounge network, and the International American Express 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. Cardholders earn 5X points in the Membership Rewards program for flights booked directly with airlines or with American Express Travel, plus 1X point for other eligible purchases. Points can be transferred 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. <a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/platinum-charge-card/26129-10-0/?print#terms-details">See rates and fees.</a></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><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/10.22-CitiPrestigeCard-191.jpg" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href="http://ct.wisebread.com/click.php?pg=206&amp;pid=53&amp;pp=11&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></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 up to $100 in statement credit as Global Entry or TSA Pre-Check application fee reimbursement. You also get access to VIP lounges in the Priority Pass Select network. When you stay three consecutive nights at any hotel booked through the Citi Prestige Concierge, you may be eligible to receive a fourth night hotel benefit. 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 40,000 points after making $4,000 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-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/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>&nbsp;</p> <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-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/flashback-friday-40-best-budget-friendly-travel-tips-ever">Flashback Friday: 40 Best Budget-Friendly Travel Tips Ever</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-hotel-room-booking-tools-every-frugal-traveler-should-know">5 Hotel Room Booking Tools Every Frugal Traveler Should Know</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-when-your-belongings-get-stolen-abroad">What to Do When Your Belongings Get Stolen Abroad</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-15-road-trip-snacks-make-it-all-about-the-journey">These 15 Road Trip Snacks Make It All About the Journey</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 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-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/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/are-you-spending-too-much-on-halloween-this-year">Are You Spending Too Much on Halloween This Year?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-44-sneaky-shopping-traps-to-avoid">Flashback Friday: 44 Sneaky Shopping Traps to Avoid</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/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-5 views-row-odd views-row-last"> <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> </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