travel http://www.wisebread.com/taxonomy/term/12026/all en-US Never Borrow Money for These 5 Buys http://www.wisebread.com/never-borrow-money-for-these-5-buys <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/never-borrow-money-for-these-5-buys" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_boat_ride_000021453043.jpg" alt="Friends talking about what they should never borrow money for" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While there is a time and a place for credit &mdash; most of us won't ever be able to pay cash for a home, a college education, or even a car &mdash; there are also times when it should be avoided, at all costs.</p> <p>It's difficult to delay gratification. It doesn't help that there's always a credit card or personal loan application in the mail. Still, there are certain times when it absolutely does not make sense to borrow money to make a purchase. For these big ticket items, think hard before you swipe your card or apply for that credit line. (See also:&nbsp;<a href="http://www.wisebread.com/7-ways-pride-is-keeping-you-poor?ref=seealso" target="_blank">7 Ways Pride Is Keeping You Poor</a>)</p> <h2>1. A Boat</h2> <p>Depending on the boat purchased, a payment could equal the cost of a new car payment or &mdash; for a more luxurious option &mdash; the cost of a mortgage. At the same time, <a href="http://www.boatus.com/boatloans/">current boat loan rates</a> range from about 4.5% for a $350,000 boat to as high as 6.25% for a $25,000 boat. That means that over a 15-year term, a modest $25,000 boat could end up costing $38,584. That's $13,584 more than the original sticker price.</p> <p>When it comes to boating, though, the cost of the vessel is often the cheapest part of ownership. Additional costs to consider are state taxes, slip fees, winter storage, registration and licensing, fuel, insurance, and maintenance. Mint recently estimated the annual cost of a $20,000 boat upkeep at $4,300 per year or $358 per month.</p> <h2>2. Your Wedding</h2> <p>Getting married is one of the most exciting times in a young person's life, and yet&hellip; many don't fully realize all the costs that come after embarking on a new life together. Not everyone makes the same life choices, of course, but houses, children, college tuition, retirement accounts, and even new cars are expensive life items that many new couples choose to buy or fund as they build their lives together.</p> <p>Starting a journey together with a pricey loan with a high interest rate is an expensive way to handicap yourself as you work to build a financially stable life together. When planning a wedding, it can be helpful to remember that it's just a big party. You'll have the memories when it's over, but it's the foundation that the marriage is built upon that's really most important. And that doesn't cost a dime.</p> <h2>3. Jewelry</h2> <p>High-end jewelry like engagement rings or tennis bracelets are expensive enough without adding in the financing costs. It may seem like good news that many jewelry stores are willing to help defray the costs by offering zero interest if the purchase is paid off within six or 12 months (depending on the store) but beware, there's usually a catch.</p> <p>Miss one payment or fail to pay off the balance before the due date and, for most of the stores, interest will become due for the <em>entire </em>original balance &mdash; and it's usually at a rate that's somewhere between 23% and 29%. That means that a $5,200 ring (the average wedding ring cost) could end up costing an additional $1,461 in interest payments alone, assuming a 25% interest rate and a two-year term.</p> <h2>4. Furniture and Consumer Electronics</h2> <p>Store issued credit cards are common upsells at the cash register and, if you're buying a big ticket item like a new sofa or flat screen TV, it's easy to be tempted by the seemingly attractive financing terms. What many credit consumers don't realize is that store cards typically work in a similar way as jewelry financing, as described above.</p> <p>The offer may state 12-months, zero APR (or 12-months, same as cash), but miss a payment and you'll reset the clock, finding yourself responsible for interest payments from the date of purchase, not from the date when the payment was missed. For a $4,000 furniture purchase, a missed payment could add $1,400 in interest to the bill, assuming a 24.99% interest rate and a 24-month term. In other words, that financed furniture (or computer or refrigerator or&hellip; well, you get the idea) could end up costing you a lot more than you expected.</p> <h2>5. Vacation</h2> <p>Most vacations last a week or less but, if you take out a personal loan or swipe a credit card to fund the getaway, it won't just be the memories that last a lifetime. Earlier this year, MarketWatch determined that you could <a href="http://www.marketwatch.com/story/how-long-does-it-take-to-clear-a-2000-credit-card-with-minimum-payments-2015-07-07">raise a child from infancy</a> to adulthood before you could repay a $2,000 credit card balance with a 18% annual rate, if you're making just the monthly minimum payment. That's 30 years in repayment, based on their analysis, and an extra $4,931 in interest payments.</p> <p>For many purchases, buying on credit can cause a lot of financial strain. Before you buy, it's important to understand the full cost of the purchase, including the cost of credit. Most times, you'd be much better served by saving up, instead of swiping your card. Think before you borrow. Your wallet will thank you.</p> <p><em>What purchases do you refuse to make on credit?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/alaina-tweddale">Alaina Tweddale</a> of <a href="http://www.wisebread.com/never-borrow-money-for-these-5-buys">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-moves-to-make-if-your-loan-gets-denied">5 Moves to Make If Your Loan Gets Denied</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/15-surprising-ways-bad-credit-can-hurt-you">15 Surprising Ways Bad Credit Can Hurt You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/whats-the-best-way-to-get-out-of-debt">What&#039;s the Best Way to Get out of Debt?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-a-credit-invisible-get-seen-by-building-your-score">Are You a Credit Invisible? Get Seen by Building Your Score</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-expect-when-youre-expecting-a-huge-credit-card-bill">What to Expect When You&#039;re Expecting a Huge Credit Card Bill</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting bad money moves boats borrowing money credit history debt furniture interest jewelry loans travel weddings Tue, 24 May 2016 10:00:10 +0000 Alaina Tweddale 1711683 at http://www.wisebread.com 6 Ways to Save On Baggage Fees http://www.wisebread.com/6-ways-to-save-on-baggage-fees <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-save-on-baggage-fees" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_luggage_000081890955.jpg" alt="Woman learning how to save on airline baggage fees" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Since May, 2008 when American Airlines announced that it would be the first U.S. airline to charge for <em>every </em>checked bag, it's been downhill for frugal flight passengers. Now, nearly every airline in the U.S. and Canada charges around $25 for the first bag their customers check (and more for the second and third). But don't worry! You can avoid these fees if you're a savvy flyer. In this article, I'm going to break down six cures to the checked baggage fee epidemic.</p> <h2>The Costs</h2> <p>Before getting into how we can save on bags, let's go over the costs.</p> <p>Generally airlines charge $25 for the first checked bag for each direction of your journey, meaning you'll pay $50 for a roundtrip flight. While $50 may not sound like a crippling fee, when you're hunting for a great deal on a flight, it can end up being a large percentage of your overall fare &mdash; and that's just for one checked bag.</p> <p>That $50 is a steak dinner for two, it's eight beers at a nice restaurant, it's a nice bottle of wine and a museum entry ticket. That $50 is enough to make you think twice about your baggage fees on your next flight.</p> <p>If you're traveling with a family, you can save upwards of $125 each journey (much more if your bags are overweight). So let's get started with some tips.</p> <h2>1. Become Elite</h2> <p>If you're a frequent flyer (usually 25,000+ miles per year), you can become an elite member of your frequent flyer program and reap some pretty amazing rewards. One of them will likely be free checked bags on your flights. Other rewards include free upgrades, free food, and unlimited booze.</p> <p>American Airline's AAdvantage program offers one free checked bag for Gold members, two for Platinum members, and three for Executive Platinum members.</p> <p>If you don't think that you're going to be traveling all the way around the world and back each year and thus don't qualify for elite status, then you may want to utilize the next tip instead.</p> <h2>2. Use the Right Credit Card</h2> <p>Airline loyalty programs like <a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Delta SkyMiles</a>, <a href="http://www.wisebread.com/which-united-mileageplus-credit-card-should-you-get">United MileagePlus</a>, <a href="http://www.wisebread.com/which-american-airlines-us-airways-credit-card-should-you-get">American Airlines AAdvantage</a>, <a href="http://www.wisebread.com/earn-award-flights-faster-with-the-jetblue-rewards-mastercard-from-barclaycard">JetBlue TrueBlue</a>, and <a href="http://www.wisebread.com/best-domestic-frequent-flyer-program-southwest-airlines-rapid-rewards-premier-credit-card">Southwest Rapid Rewards</a> all have their line of <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards">co-branded credit cards</a>. These credit cards offer a variety of travel perks, including free checked baggage.</p> <p>If you're a frequent flyer, or you always fly with the same airline or airline partner, then you should definitely consider choosing a credit card that will maximize your flight benefits with that airline. Baggage fees are usually just the tip of the iceberg when it comes to credit card rewards. You can earn some pretty nice perks by putting your flight purchases on the right credit card.</p> <h2>3. Pack Smart</h2> <p>In 2010, Spirit Airlines started charging for carry-on bags, but luckily no other airlines (aside from Frontier) have followed suit so far. This means that you can sometimes pack all of your things into a carry-on sized bag to avoid baggage fees. You might be surprised at how easy this can be done! (See also: <a href="http://www.wisebread.com/15-packing-secrets-from-a-professional-traveler?ref=seealso">15 Packing Secrets From a Professional Traveler</a>)</p> <p>One tip that works quite well is to wear all of your bulky clothes on the plane to free up space in your bag. I'm not saying that you should dress in everything you own like Joey from <em>Friends</em>, but you can definitely wear your jacket, jeans, and sweater on the day of your flight to lessen the load in your bags.</p> <p>If you're trying to avoid overweight baggage fees, then wearing your bulky items and carrying as much in your carry-on may just save you a lot of money. A 60-lb checked bag can cost you upwards of $90, so if you can put some of that weight in the cabin, you'll be keeping some money in your wallet.</p> <h2>4. Fly With the Right Airline</h2> <p>Sorry, guys! This list is slowly dwindling down and you now only have one option for free bags in the U.S. &mdash; Southwest Airlines. JetBlue was the only other airline that held out on baggage fees until June, 2015 when they announced that the first checked bag would be $25 for all passengers.</p> <p>Southwest is still holding out and they actually allow <em>two </em>free checked bags for all passengers. Go Southwest!</p> <h2>5. Upgrade</h2> <p>You may cringe at the idea of spending double the price of your ticket just for some extra leg room, good service, and a fancy meal, but flying first class doesn't always have to be expensive. Delta, for example, sometimes offers seat upgrades for $90 at check-in. First class allows you a free checked bag and often offers more weight allowance.</p> <p>An overweight bag on Delta can cost around $90, so why not enjoy some comfort, free booze, and a free meal along the way? Definitely ask about upgrades at check-in.</p> <p>WestJet in Canada offers upgrades to Economy Plus Seating for between $15&ndash;$50 and it includes food, more leg room, a drink, and a free checked bag (worth $25). Definitely worth considering.</p> <h2>6. Go Ultra-Light</h2> <p>If you're a frequent flyer, it's probably worth it for you to invest in <a href="http://amzn.to/1Soc74E">lightweight luggage</a>. The amount of money that you can potentially save in overweight baggage fees will likely be far more than the cost of the bag over the course of a year.</p> <p>Some regular suitcases can weigh upwards of 20 lbs &mdash; empty! Buy purchasing ultra-lightweight luggage, you can get this down to around seven lbs. That's 13 lbs lighter, and if you're that much overweight, this luggage could save you around $60 in your return journey!</p> <h2>You Don't Have to Go Far</h2> <p>Some people go as far as to avoid flying altogether, or even shipping their bags with an independent courier service like VIPbags to avoid fees, but you really don't have to go that far. By using the tips in this article, you should be able to rid yourself of the baggage fees, while still flying comfortably on your next vacation. (See also: <a href="http://www.wisebread.com/the-10-most-creative-ways-to-avoid-airline-fees-like-wearable-suitcases?ref=seealso">10 Most Creative Ways to Avoid Airline Fees</a>)</p> <h2 style="text-align: center;">Did You Like This Article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-ways-to-save-on-baggage-fees&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWays%20To%20onBaggageFees.jpg&amp;description=6%20Easy%20Ways%20To%20Save%20On%20Airline%20Baggage%20Fees" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Ways%20To%20onBaggageFees.jpg" alt="Save On Baggage Fees" width="250" height="374" align="middle" /></p> <p><em>How do you avoid paying airline checked baggage fees?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/6-ways-to-save-on-baggage-fees">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-through-the-airport-faster">How to Get Through the Airport Faster</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-fool-proof-ways-to-stay-within-your-travel-budget">7 Fool-Proof Ways to Stay Within Your Travel Budget</a></span> </div> </li> <li class="views-row views-row-4 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-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Travel frugal living luggage luggage fees saving money travel travel fees Thu, 19 May 2016 10:00:12 +0000 Nick Wharton 1706847 at http://www.wisebread.com 5 Affordable Alternatives to Pet Boarding http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-affordable-alternatives-to-pet-boarding" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000079180615_Large.jpg" alt="traveling with pets" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Summer is just around the corner and you can't stop daydreaming about getting away for the week. There is only one problem. What are you going to do with your pet? When it comes to traveling, the thought of leaving Fido in a kennel for the week makes many pet owners uneasy.</p> <p>Not only can kennel boarding be expensive, but your pet will not get the care and love they are used to getting daily from you. Your pet can also develop behavioral issues and possibly diseases from being kept in a kennel, including stress, kennel cough, and fleas. If kennel boarding is not your first choice, these five alternatives are easier on your pet and wallet.</p> <h2>1. Hire a House Sitter</h2> <p>You can have your house and your pet watched for one price, essentially killing two birds with one stone. House sitters can get pricey, but if you can find a trustworthy college student or family member to do the job, then you can save quite a bit.</p> <p>According to Care.com, kennel boarding&nbsp;<a href="http://www.care.com/pet-care-pet-care-cost-p1145-q7401.html">costs an average of $20&ndash;$25</a> per day for small animals. I have two dachshunds, therefore, if I were to take a five-day vacation, boarding my dogs could cost $40&ndash;$50 per day, or $200&ndash;$250 for the duration of my trip. I am certain there are many reliable college students that would be over the moon to make $100&ndash;$150 for crashing on someone's couch for a week, enjoying free food and Wi-Fi.</p> <p>A house sitter is an ideal choice if you can find the right person. Not only will a house sitter give your pet company and care, but you can also prevent a break-in from happening while you are gone. House sitters can also bring in important mail and packages, water plants, and make sure your trash cans get put out on trash day. Care.com is just one website where you can hire affordable house sitters. I have used Care.com before and I like it because it allows you to run background checks before hiring someone.</p> <h2>2. Ask a Friend or Family Member</h2> <p>If you have the type of pet that is easy to drop off with a friend or family member, then ask for a favor. My in-laws used to drop off their dachshund at my house when they traveled, and since all the dogs liked each other, it was a win-win for both me and my in-laws.</p> <p>Friends and family members are also more willing to barter their time for home cooked meals or a few nights of babysitting. If you can get a friend or family member to agree to take your pet for your trip, you can save $100&ndash;$300, depending on how many pets you have and how long you will be gone. (See also:&nbsp;<a href="http://www.wisebread.com/5-pet-costs-you-dont-see-coming?ref=seealso">5 Pet Costs You Don't See Coming</a>)</p> <h2>3. Hire Someone Just to Check In</h2> <p>If you have low-maintenance animals, like cats, you can just hire someone to show up each day or every other day to refresh the food, water, and litter box. Some dogs could be left alone with minimal pet sitting, too. If you have a dog door and an automatic feeder, then just hire someone to walk your dog for an hour each day, as well as refresh food and water. You can hire someone for as cheap as $10 per hour.</p> <h2>4. Peer-to-Peer Pet Sitting</h2> <p>There are two websites that match you directly with other pet owners and pet lovers in your area.&nbsp;<a href="https://dogvacay.com/">DogVacay</a> and&nbsp;<a href="http://us.holidog.com/">Holidog.com</a> list local individuals who will take your pets into their home for the duration of your trip. In my area, prices started out at $20 per night. In one listing, the individual even said they text pictures and reports daily to the owners. (See also:&nbsp;<a href="http://www.wisebread.com/23-tips-for-traveling-with-pets?ref=seealso">23 Tips for Traveling With Pets</a>)</p> <h2>5. Take Your Pets With You</h2> <p>Traveling with your pet is not always an affordable option, especially if there is airfare involved. However, for road trips, it might just be simpler and less expensive to bring your favorite canine or feline with you. Many more hotel chains are allowing pets to stay in their rooms, although some fees and restrictions do apply. You might even have some luck finding a pet-friendly room or house on Airbnb.</p> <p><a href="https://www.tripadvisor.com/ShowTopic-g1-i26969-k5837472-Hotel_Pet_sanitation_deposits_fees-Traveling_with_Pets.html">Marriott</a> charges a $100 sanitation fee for your pet to stay with you, and&nbsp;<a href="http://www.bestwestern.com/travel-planning/tips/traveling-with-pets.asp">Best Western</a> charges $20 per day, with a maximum of $100 per week for up to two dogs. Other pet types, such as cats, snakes, monkeys, etc. might be allowed depending on the property. Pet owners need to ask in advance.&nbsp;<a href="http://www.LQ.com/pets">La Quinta Inns</a> and Suites is the best choice for a hotel because it has over 880 pet-friendly locations and does not charge a fee or deposit.</p> <p>Don't let the cost of boarding your pet ruin your vacation or travel plans. Any of the above options could work for your situation and save you money &mdash; you just need to use a little creativity.</p> <p><em>What do you do with your pet when you travel?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/6-money-lessons-you-can-learn-from-your-pets">6 Money Lessons You Can Learn From Your Pets</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-dog-costs-you-should-prepare-for-now">5 Unexpected Dog Costs You Should Prepare for Now</a></span> </div> </li> <li class="views-row views-row-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/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/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family Travel cat dog family pet flying with pets house sitter pet boarding pet sitting travel Tue, 10 May 2016 09:00:10 +0000 Ashley Eneriz 1706813 at http://www.wisebread.com 10 Easy Ways to Get Your Finances Fit For Summer http://www.wisebread.com/10-easy-ways-to-get-your-finances-fit-for-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-easy-ways-to-get-your-finances-fit-for-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_son_hammock_000084288399.jpg" alt="Woman getting her finances fit for summer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Summer is just around the corner, and the warm weather and extra free time can put a big ding in your finances. Stay proactive about potential summertime overspending by implementing these smart strategies that'll have you headed into the season financially fit.</p> <h2>1. Review Your Current Budget</h2> <p>It's always a good idea to take stock of your current expenses to determine where you can save. This means reviewing your recurring expenses by taking a hard look at your debit and credit card activity. If you have memberships or subscriptions that you barely use and can live without it, ditch 'em. The more dead weight you can unload, the more extra &quot;free&quot; money you'll have to start your summer fund.</p> <h2>2. Establish a Summer-Activity Budget</h2> <p>I'm very much a planner, and as a result I generally know what my summer plans are well ahead of time. The great thing about planning ahead is that you can get a good picture of your upcoming expenses and start saving accordingly. It's easy to establish a summer activity budget that maps out all the fun things you plan to do along with their associated costs. And if your plans change, you can tweak it accordingly.</p> <h2>3. Compare Transportation and Lodging for Travel</h2> <p>One of the biggest mistakes I notice from self-proclaimed savvy spenders and savers is that they sometimes hop on a deal too quickly. Sure, they're using discount sites to score savings on lodging and transportation, but is it really the best deal available? I always recommend comparing prices between multiple sites, and don't just limit yourself to your go-to savings depots. In fact, I've gotten better deals going directly to the hotels or airlines' websites at times.</p> <p>And here's another tip: Pick up the phone! Very few of us dial our vacation service providers to see what promotions they may be offering, and it could pay off big. It's worth spending the 10 to 20 minutes scouting the best buys. A few extra dollars saved are a few extra dollars that you can use for a nicer meal or fun activity while you're on vacay.</p> <h2>4. Explore Low-Cost Kids' Activities</h2> <p>Child care &mdash; especially of the all-day variety during the summer months &mdash; can zap your budget quickly. But there are several ways you can minimize those costs. Patty Cathey, an investment advisor in Denver, Colo., offers a few ideas on child care alternatives.</p> <p>&quot;Look into summer camps through your city recreation department, community center, or YMCA. Many churches or religious groups also offer affordable camps. As far as amusement parks, the zoo, or museums go, hold out for promotional offers, which are frequent in the summer. LivingSocial and Groupon often is a good resource for lower admission. And many communities offer free or cheap things for kids and families to do in the summer. The local library has educational activities, and there are free or cheap outdoor summer concerts, parades, and town festivals to take advantage of as well.&quot;</p> <p>And let's not forget one of my favorite summertime promotions &mdash; <a href="http://www.kidsbowlfree.com/">free bowling for kids</a>. Registered kids receive two free games of bowling <em>per day </em>at participating locations.</p> <h2>5. Cut Your Energy Expenses</h2> <p>I'll be the first one to admit the my air conditioner goes on if it's above 60 degrees outside at bedtime. But, I do try to cut energy costs wherever I can. For one, I grill outside more often in the summer, which reduces the amount of dishes I'm using on a daily basis, thus extending the time between my dishwasher cycles. Lights are turned off in favor of natural sunlight, and curtains and blinds are closed to keep too much sun from coming in if it's particularly hot outside. I water plants from a watering can instead of letting the hose run nonstop, and drying clothes outside is a pocket-wise way to avoid using the dryer during the summer.</p> <p>Cathey has a few more tips.</p> <p>&quot;You could save close to $200 over the course of the year by installing a <a href="http://amzn.to/1UmaQOl">programmable thermostat</a> and setting the temperature back 10 to 15 degrees for the hours you're at work,&quot; she says.</p> <h2>6. Take Advantage of Seasonal Sales</h2> <p>There are lots of sales during the summer season that can help you score big savings if you strike while the iron is hot. Groceries can be especially taxing during the summer &mdash; all those BBQ meats and fresh fruits and veggies aren't cheap &mdash; but you'll get the most for your money by comparing circulars, locating the best deals in your area, and stacking your coupons and apps, like Cartwheel, Ibotta, and Checkout 51.</p> <p>Savings expert Jill Cataldo recommends <a href="https://flipp.com/">Flipp</a>, a free app that gathers all the store circulars in your area in one easy-to-use platform.</p> <p>&quot;Use Flipp to plan your weekly grocery trips, and you'll enjoy its coupon-matching feature, which automatically points out additional discounts available on what you're buying at the supermarket,&quot; she says. &quot;When you can seamlessly save 20% to 70% on items you're shopping for every week, that adds up to big savings throughout the year.&quot;</p> <h2>7. Harness the Power of Old and Discounted Gift Cards</h2> <p>I love going through my wallet at the beginning of the summer to see what gift cards I have leftover, so that I can use them to save on dining or shopping while on vacation. Another great way to use gift cards is to buy them at discount &mdash; the idea of which is to spend less for the actual amount on the card even though it retains its full value. <a href="https://www.raise.com/buy-gift-cards">Raise's</a> marketplace allows people to save money and afford all the things to do during summer in two ways:</p> <ul> <li>People that have old or unwanted gift cards can sell them and get cash back, which is a great way get extra money towards summer fun.</li> </ul> <ul> <li>Outlet lovers can buy gift cards at a discount and use the money they would have spent on other things such as going on vacation, having BBQs, and more.</li> </ul> <p>With 4,000 different retailers' gift cards for sale, it's easy to trade on this great source of value.</p> <h2>8. Add a Side Hustle to Your Schedule</h2> <p>If you have summer plans that exceed your budget, all may not be lost. Perhaps it's time to start thinking about picking up a side hustle, like renting out a room in your home on Airbnb, dog sitting for locals through DogVacay, or driving for a ride-sharing service like Uber or Lyft. The social and sharing economy is thriving, and there's a place for you in it &mdash; guaranteed. I always advocate for the side hustle when you're strapped for cash, because in most cases it's relatively easy work. In other words, if you're complaining that you don't have enough money, there are options ready and waiting for you. (See also:&nbsp;<a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle?ref=seealso" target="_blank">5 Unexpected Side Benefits of Your Side Hustle</a>)</p> <h2>9. Rely on Cold, Hard Cash More Often</h2> <p>It's convenient to swipe your plastic wherever you go, but studies show that using cash as your currency of choice limits the amount you'll spend. In fact, a study conducted by Dun &amp; Bradstreet revealed that we spend 12% to 18% more when using debit or credit card opposed to dolla-dolla bills.</p> <p>Hard-money lending expert Elizabeth Jenkins details an idea on how to use cash to spend less.</p> <p>&quot;Allocate your cash budgets into weekly envelopes,&quot; she says. &quot;Have an envelope for weekly food, fun, gas, rent, etc., and make sure to close them. You'll find a feeling of guilt as you take money from an envelope to pay for something unrelated to that budget.&quot; (See also: <a href="http://www.wisebread.com/a-comprehensive-guide-to-the-envelope-system?ref=seealso">A Comprehensive Guide to the Envelope System</a>)</p> <h2>10. Change the Way You View Spending</h2> <p>Retail therapy feels good &mdash; until it doesn't. To curb spending, it's important to start viewing it as a necessity opposed to a recreational activity. Instead, focus on more important activities that increase your well being, instead of adding more clutter to it with material things.</p> <p>&quot;Spending can be addictive,&quot; Jenkins warns. &quot;Work on spending 'time' on things rather than money. Pick up an exercise routine, start a hobby, work on your house, or any other number of time consuming projects. Transfer your energy into projects that may cost some amount money, but will help your job, home, or family in the long run.&quot;</p> <p><em>What are some ways you're getting your finances fit for summer? I'd love to hear your tips and suggestions in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-easy-ways-to-get-your-finances-fit-for-summer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-12-month-get-richer-plan">The 12-Month Get-Richer Plan</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-surprising-way-birth-order-decides-your-money-habits">The Surprising Way Birth Order Decides Your Money Habits</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-things-you-must-do-before-you-quit-your-job">5 Things You Must Do Before You Quit Your Job</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-often-do-you-get-your-paycheck">How often do you get your paycheck?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/my-2016-budget-challenge-why-i-need-to-find-31k-this-year">My 2016 Budget Challenge: Why I Need to Find $31K This Year</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance budgeting cutting costs energy summer transportation travel warm weather Tue, 03 May 2016 10:00:11 +0000 Mikey Rox 1702381 at http://www.wisebread.com What Exactly Does Travel Accident Insurance Cover on Credit Cards? http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-exactly-does-travel-accident-insurance-cover-on-credit-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000072157925_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="135" /></a> </div> </div> </div> <p>We all know that rewards credit cards can offer points, miles, and cash back for your spending, but many people overlook another valuable aspect of these products, their cardholder benefits. Many people don&rsquo;t bother looking beyond the most obvious benefits of their credit cards, but there are a lot of built-in protections and insurance that you might find useful. One of these little-known benefits is travel accident insurance. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?ref=seealso">Awesome Credit Card Perks You Didn&rsquo;t Know About</a>)</p> <h2>How Travel Accident Insurance Works</h2> <p>Travel accident insurance is a sort of life insurance while traveling. If an accident causes your death or dismemberment, your credit card may provide some financial support to your beneficiaries. Credit cards offer travel accident insurance to cardholders and their families when they pay for their travel with their card. So if a cardholder purchases a train ticket with a credit card that includes a travel accident policy, he or she can receive a benefit if they are seriously injured as a result of a train accident.</p> <p>Travel accident policies can cover so-called common carriers which include airplanes, buses, boats, trains, or even helicopters, as long as tickets are sold to the general public and it operates on a regular schedule. As a result, this provision excludes privately chartered transportation, and rental vehicles that are privately operated, other than rental cars.</p> <p>These policies can vary depending on the company that issues your credit card, and even the type of credit card that you use. Many <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards cards</a> will include it. Here are some of the details of the coverage offered by major card issuers, but you should always verify coverage with your card issuer.</p> <h2>American Express</h2> <p>Amex offers some form of travel accident insurance with most of its cards. For example, its basic Green Card offers a maximum of $100,000 of coverage for loss of life, limb, or sight, so long as cardholders pay for their common carrier transport using their card, while its top of the line <a href="http://www.wisebread.com/amex-platinum-do-the-perks-justify-the-fee ">Platinum Card</a> features $500,000 worth of coverage. This policy applies to the cardholder's spouse, domestic partner, and dependent children under 23 years old. While this policy covers trips purchased by directly redeeming Membership Rewards points, it specifically excludes reservations purchased in whole or in part with frequent flyer miles. The <a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Blue Cash Preferred Card from American Express offers 6% cash back at U.S. supermarkets</a> (up to $6,000 in purchases each year). Terms and restrictions apply.</p> <h2>Citi</h2> <p>Citi offers worldwide travel accident insurance of up to $1 million to cardholders who are permanent residents of the 50 United States or the District of Columbia. The coverage applies to the cardholder as well as their spouse, domestic partner, dependent children, and anyone designated as an authorized driver or covered by the rental car agreement. So long as you pay for the entire reservation with your Citi card, you are covered against death as well as loss of a limb, sight, speech, or hearing. Coverage also applies if you are missing for more than a year. As with most travel accident policies, acts of war are excluded as well as coverage for those who are participating in illegal activity. And interestingly enough, you are also covered when you book an award ticket using American Airlines AAdvantage miles, as Citi is a partner with American. Our favorite cards from our partner Citi are the <a href="http://www.wisebread.com/citi-platinum-select-aadvantage-world-mastercard-review">AAdvantage Platinum Select MasterCard</a>, which offers double points for American Airlines purchases, and the&nbsp;<a href="http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt">Double Cash Rewards Card</a>, which&nbsp;is one of the <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">best cash rewards credit cards</a> available.</p> <h2>Chase</h2> <p>Chase also offers travel accident insurance on many of its cards. Cards that are part of the Visa Signature program cover not just the traveler's spouse, domestic partner, and dependent children, but even extended family traveling together such as grandparents, grandchildren, aunts, uncles, nieces, and nephews. This benefit covers accidental death, dismemberment, loss of speech, sight, and hearing. Furthermore, it even covers cardholders when they pay for their tickets using their frequent flyer miles or other award points, as long as those rewards were earned through a program sponsored by Chase Bank such as United Airlines or Southwest. The amount of coverage is up to $500,000. Further, the <a href="http://www.wisebread.com/chase-sapphire-preferred-review-500-signup-bonus">Chase Sapphire Preferred Card</a>&nbsp;currently offers a 50,000 sign up bonus to new cardholders.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/which-disney-credit-card-is-best-for-you">Which Disney Credit Card Is Best for You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation">Smarter Security and No Foreign Transaction Fees: The Best Credit Cards to Use While on Vacation</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</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/more-rewards-more-benefits-the-jetblue-plus-card">More Rewards, More Benefits: The JetBlue Plus Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel accident insurance credit card reviews travel Fri, 15 Apr 2016 10:30:05 +0000 Jason Steele 1667189 at http://www.wisebread.com 12 Ways to Save and Make Money While Traveling http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-ways-to-save-and-make-money-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000068178575.jpg" alt="Woman finding ways to save and make money while traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What is the sharing economy, and how can it work for you? Based on the principle that people can share excess goods, peer-to-peer, it's a way to get what you need and share what you no longer use without a corporate middleman.</p> <p>The sharing economy brings a practice formerly reserved for small transactions among friends to a regional, or even global scale. Now you can rent the extra room in your house to a complete stranger for cash, or you can share your knack for making excellent chicken pot pie with more than just your friend circle by hosting people you don't know yet for dinner &mdash; for a fee.</p> <p>At first, I was skeptical. Sharing my time and space with perfect strangers seemed like an odd and even dangerous way to make a buck. However, with newcomers exploding onto the scene all the time, changing the way we do business with each other, it started to become financially irresponsible <em>not</em> to at least dabble. These days, harnessing the sharing economy is my primary way of saving money when I travel, which is 365 days of the year.</p> <p>Here are some of the most clever ways to utilize the sharing economy before and during your travels to save money for your trip, and once you're on the road.</p> <h2>1. AirBnB</h2> <p><strong>Before you go</strong>: Paying rent can seriously eat into travel savings, but you can make some money while you're away by renting out your place at AirBnB. If you're not using it, you may as well make it work for you. Some people make a <a href="http://www.wisebread.com/this-is-how-you-rent-your-place-on-airbnb-and-succeed">sizable chunk of earnings</a> off this service alone. Make sure to look into the rules and regulations for holiday rentals in your area, and check with your landlord, if you have one, before listing your place.</p> <p><strong>On the road</strong>: While traveling, renting rooms with AirBnB will often prove much cheaper than hotel rooms &mdash; while providing access to a kitchen for cooking rather than eating out, and lending to a more local experience. I found that in many countries, a private room with an ensuite bathroom was even cheaper than a shared dorm room in a hostel. Who would have thought? (See also: <a href="http://www.wisebread.com/25-hotel-hacks-from-professional-travelers?ref=seealso" target="_blank">25 Hotel Hacks From Professional Travelers</a>)</p> <h2>2. Camp in my Garden</h2> <p><strong>Before you go</strong>: If renting out space within your home isn&rsquo;t an option, <a href="http://campinmygarden.com">Camp in my Garden</a> allows you to rent out your yard. That's a space that you probably don't use 24/7, so why not rent it out?</p> <p><strong>On the road</strong>: If you love camping and want cheap digs, consider taking your tent along and turning places that previously seemed impossible for campers (like urban spaces) into a whole new travel experience.</p> <h2>3. JustPark</h2> <p><strong>Before you go</strong>: Say you don't even have space in your backyard, but there's a parking spot you're not using that you could rent out from time to time &mdash; like when you're at work &mdash; in an area where parking is limited. Make that spot work for you by renting it out on <a href="https://www.justpark.com/">JustPark</a>.</p> <p><strong>On the road</strong>: Parking lot fees and expenses can add up quickly. Look into the options near you, and see if you can save some money by parking with a local who has excess space.</p> <h2>4. Uber</h2> <p><strong>Before you go</strong>: If you live in a city or live your life in such a way that you truly need a car, make up for this expense by <a href="http://uber.7eer.net/c/27771/207645/3437">giving rides to people through Uber</a>. Both drivers and passengers have peer reviews, and no money is exchanged between parties, making it a safer and easier transaction.</p> <p><strong>On the road</strong>: Uber exists all over the world, including most of Europe, South Africa, and even India. It's often a much cheaper, less scammy, and safer alternative to a taxi. It was my chief method of getting around in Johannesburg, South Africa, which doesn't have public transport and isn't safe to walk around. And I felt safer since the app tracked me from pick-up to drop off.</p> <h2>5. FlightCar</h2> <p><strong>Before you go</strong>: If Uber isn't your cup of tea, or if you don't have time to devote to driving, rent your car out to others on <a href="https://www.flightcar.com/">Flightcar</a>. Save the fees you'd pay to the parking meter and make your car work for you when you aren't using it.</p> <p><strong>On the road</strong>: In true sharing economy fashion, while someone else is making use of your car, do the same by renting a car that&rsquo;s already sitting at the airport from another traveler, and enjoy ultimate vacation flexibility for less than a rental from the big guys.</p> <h2>6. Relay Rides</h2> <p><strong>Before you go</strong>: If you don't have time to drive others around and don't have any trips coming up, rent your car out short-term with <a href="https://relayrides.com/">Relay Rides</a>. Rentals can be as short as an hour or two.</p> <p><strong>On the road</strong>: Don't need a car for a full several days or weeks? Just rent a car for an hour to get across town and back if that's all you need.</p> <h2>7. SpinLister</h2> <p><strong>Before you go</strong>: Do you have a bike that's collecting dust? Do you go away for long periods of time, leaving your wheels idle? Rent it out to others on <a href="https://www.spinlister.com/">SpinLister</a> when you don't need it yourself.</p> <p><strong>On the road</strong>: Day-use bicycle rentals can become costly, especially in big cities or beach towns. In much of Europe, for example, a bicycle is the easiest and cheapest way to get around, so look into renting from a local rather than a company to save some cash.</p> <h2>8. EatWith</h2> <p><strong>Before you go</strong>: Are you a talented chef? Take your dinner party game past your circle of friends and invite guests to come together at your dinner table for a fee with <a href="http://www.eatwith.com/">EatWith</a>. Run your own restaurant from home.</p> <p><strong>On the road</strong>: EatWith is a great resource for solo travelers and groups alike. Share the cost of a private chef with several people, and make new friends in the process. (See also: <a href="http://www.wisebread.com/31-super-smart-travel-hacks?ref=seealso" target="_blank">31 Super Smart Travel Hacks</a>)</p> <h2>9. Vayable</h2> <p><strong>Before you go</strong>: Are you particularly knowledgeable about the area where you live? If your town or city gets a fair amount of tourist traffic, there could be an opportunity for you to show people around and share your local knowledge for some cash through <a href="https://www.vayable.com/">Vayable</a>. Get creative: tours can be as niche as showing people around the best organic farmers markets in San Francisco, or a walking tour of Berlin's street art, for example.</p> <p><strong>On the road</strong>: Tour companies can be expensive. What better way to get to know a place than by checking it out with a local and meeting other travelers in the process? (See also: <a href="http://www.wisebread.com/5-cheap-fun-fall-getaways?ref=seealso" target="_blank">5 Cheap, Fun Fall Getaways</a>)</p> <h2>10. Thredup</h2> <p><strong>Before you go</strong>: What is sitting in your closet that you haven&rsquo;t worn for a year or more? Pick through the racks and let go of the things that you no longer use, and rather than getting pennies on the dollar at a consignment store, try selling on <a href="http://click.linksynergy.com/fs-bin/click?id=g519OIyP0is&amp;offerid=395939.79&amp;type=3&amp;subid=0">Thredup</a> to your peers.</p> <p><strong>On the road</strong>: Do you live in a warm climate but are heading somewhere cold for a few days? I found myself in this situation as a Californian packing for Iceland without many warm clothes. Quality winter gear can get expensive, so I had to get creative. Are you in a similar position? Buy gently used clothes you need for your journey for way less. (See also: <a href="http://www.wisebread.com/15-things-in-your-closet-you-can-throw-out-today?ref=seealso" target="_blank">15 Things in Your Closet You Can Throw Out Today</a>)</p> <h2>11. Yerdle</h2> <p><strong>Before you go</strong>: Have you ever bought something that you simply didn't end up using? Get rid of the guilt by selling those items through <a href="https://yerdle.com/">Yerdle</a>, and get more money for your items than you would by selling them to a used goods store.</p> <p><strong>On the road</strong>: Have you been aching for a new camera for your trip but can't shoulder the cost? Get brand new goods for your travels for cheaper.</p> <h2>12. Fon</h2> <p><strong>Before you go</strong>: <a href="https://corp.fon.com/en">Fon</a> allows you to share your Wi-Fi connection remotely with those passing through the area. Share the costs of that expensive Internet connection!</p> <p><strong>On the road</strong>: If you're like me, you still need to work on the road from time to time, and Wi-Fi can be a pain to find in some places, and quite costly to boot. Find cheaper connections by harnessing Fon's network.</p> <p>There are many creative ways to make the sharing economy work for you while benefiting others who are in the same situation. Thanks to new companies popping up every day that harness ways to directly share excess items or skills, saving up for a trip and preserving funds on the road keeps getting easier.</p> <p><em>What do you think? Would you give these companies a try? If you have, tell us about your experience in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kristin-addis">Kristin Addis</a> of <a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/6-ways-to-save-on-baggage-fees">6 Ways to Save On Baggage Fees</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-fool-proof-ways-to-stay-within-your-travel-budget">7 Fool-Proof Ways to Stay Within Your Travel Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-ways-to-budget-for-summer-vacation">7 Easy Ways to Budget for Summer Vacation</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/one-simple-thing-you-can-do-to-start-budgeting-today">One Simple Thing You Can Do to Start Budgeting Today</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-all-inclusive-vacations-and-cruises-worth-the-money">Are All-Inclusive Vacations and Cruises Worth the Money?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel extra income making money saving money travel travel budget Tue, 29 Mar 2016 09:00:16 +0000 Kristin Addis 1645848 at http://www.wisebread.com 6 Tricks to Making the Most of Your Reward Miles http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-tricks-to-making-the-most-of-your-reward-miles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000062837326_Large.jpg" alt="making the most of travel rewards miles" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>After using <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards credit cards</a> for a while, you might find that you've got tons of miles to redeem. But making sure you're getting the most out of those rewards takes considerable planning and organization. Here are some tips on getting the most value out of your rewards miles and points. (See also: <a href="http://www.wisebread.com/the-7-biggest-mistakes-you-can-make-when-redeeming-credit-card-rewards?ref=seealso">The Biggest Mistakes When Redeeming Credit Card Rewards</a>)</p> <h2>1. Extend or Add a Vacation with Stopovers and Open Jaws</h2> <p>Stopovers and open jaws are big money savers for organized travelers.</p> <p><strong>Open Jaws:</strong> An open jaw ticket is one where you fly from point A to point B, then back to point A from point C. There is an open gap in the middle of the itinerary &mdash; which is perfect for a road trip. If you were to pay for this with cash instead of rewards, it would cost a lot of extra money, but it will cost you the same amount of reward points as a regular return flight.</p> <p>For example:</p> <p>Return Flight New York to London = 60,000 points</p> <p>Open Jaw Flight New York to London + Barcelona to New York = 60,000 points</p> <p><strong>Stopovers: </strong>A stopover is any stop in a flight itinerary that lasts more than 24 hours. Not to be confused with a layover. A layover is that boring period of time that you dread, waiting at the airport for your next flight.</p> <p>A stopover gives you time to exit the airport and explore. In fact, a stopover can be a week, a month, or even a year. Let's say you plan a holiday in Rome, but you've always wanted to see Barcelona. You can add a one-week stopover in Barcelona into your rewards itinerary and it won't cost you any extra points.</p> <p>The best trick with stopovers is actually calling your home airport a stopover. Let's say you book the trip above and the airline you fly with allows for two stopovers &mdash; and many do, including Lufthansa and Air Canada.</p> <p>You can enjoy your first stopover in Barcelona, then fly to Rome to complete your holiday as planned. But on your return journey home, you call your home airport a &quot;stopover&quot; for one year. This means that, up to a year later, you can complete your journey with a free, one-way flight to your next holiday destination, like Las Vegas, perhaps.</p> <p>If you are organized enough to plan more than one holiday at once, you can get a lot of free flights using this hack. Now you'll just have to book a cheap one-way ticket from Las Vegas back home.</p> <h2>2. Redeem Rewards for Higher Value Flights</h2> <p>There are many people who save up a great number of rewards miles and then squander them by redeeming them for the wrong purchases. Typically, one of the biggest mistakes that rewards travelers make is redeeming their rewards for short-distance domestic flights.</p> <p>Often, a 10-hour international flight will cost the same, or just slightly more, in points and miles as a long-distance domestic journey. Whereas the cash value for an international flight is often more than double a domestic one. You get much more <em>value</em> for the same amount of rewards points for an international flight. Sometimes it's best to just pay cash for the short-distance flights, and save your rewards for the next time you're leaving the country.</p> <p>Redeeming wisely may sound like a pretty straightforward idea, but with seemingly endless rewards restrictions like expiration dates, blackout dates, eligibility restrictions and limited rewards seating, it can be a confusing matter.</p> <p>If you're not willing to do a lot of research and spend time planning the perfect rewards trip, you may want to consider using a service like <a href="http://www.awardadvocate.com/">Award Advocate</a> or <a href="http://www.awardbookingservice.com/">Award Booking Service</a> to help you with your rewards booking.</p> <p>For a fee of $100+, they can find the best reward seats for you, book the flight with the airline, and ensure that you're using the least amount of miles possible for your journey.</p> <h2>3. Put Purchases on the Right Cards</h2> <p>A wallet full of credit cards is like a rewards hackers Swiss Army knife. Each card is its own tool and using them appropriately will allow you to get the most rewards for your purchases. For example, use a card that offers <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">bonus rewards at supermarkets</a> for your grocery purchases. Get the <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards">best credit card for gas</a> to maximize rewards for that monthly expense. Keep track of the rotating categories on your <a href="http://www.wisebread.com/chase-freedom-a-more-rewarding-way-to-shop">Chase Freedom</a> or <a href="http://www.wisebread.com/the-discover-it-card-attractive-cash-back-awards-for-shoppers">Discover It</a> card to get your 5% cash back.</p> <p>Depending on your recurring expenses, there are cards that offer bonus rewards for <a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out">dining</a>, <a href="http://www.wisebread.com/5-best-credit-cards-for-entertainment-purchases">entertainment</a>, <a href="http://www.wisebread.com/5-best-credit-cards-for-travel-purchases">travel</a>, and even <a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases">office supply purchases</a>. Finally, you should have a card that offers extra rewards for all other purchases, such as the <a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Quicksilver Cash Rewards Card</a> that offers 1.5% cash back on all purchases with no annual fee, or the <a href="http://www.wisebread.com/amex-everyday-preferred-card-review">Amex Everyday Preferred Card</a> that gives you 50% bonus points for making at least 30 purchases per billing cycle.</p> <h2>4. Try a Sign-Up Bonus Spree</h2> <p>Don't have a wallet full of cards yet? You're actually in luck! You can start a sign-up bonus spree to fill your wallet with the cards that you need, and maybe get a free vacation out of the sign-up bonuses, too! (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso">5 Steps to Getting a Free Vacation in 9 Months or Less with Credit Cards</a>)</p> <p>Many credit cards offer a <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">bonus for signing up</a> and many of these bonuses are worth $500 or more in travel.</p> <h2>5. Pair Cards for Extra Rewards</h2> <p>Sometimes when you put two cards in your wallet, sparks fly and they become the perfect couple. One particular &quot;dream couple&quot; is the Chase Freedom and the <a href="http://www.wisebread.com/chase-sapphire-preferred-review">Chase Sapphire Preferred card</a>. Points on the Freedom are only worth about one cent each, but on the Chase Sapphire Preferred Card, they're worth 1.25 cents each (a whole 25% more).</p> <p>Coupling these cards is easy. All you have to do is use the Freedom card for the 5% cash back on bonus categories each quarter, and then transfer those points to your Preferred card to get 25% more rewards.</p> <p>When the Chase Freedom bonus category isn't offering 5% for travel and dining, use the Chase Preferred which gets two points per dollar on these purchases. For all other purchases, you can use either card but make sure that you transfer the points to the Sapphire Preferred when it comes time to redeem.</p> <h2>6. Know Your Limits</h2> <p>Whether you're starting a credit card spree or just trying to earn as many points as possible, you must know your limits.</p> <p>Earning 5% cash back is completely useless if you end up paying interest (15% average in the U.S.) on your credit card each month. You have to be sure that you can pay off all of your cards <em>before</em> they start to accrue interest.</p> <p>Savvy travel hackers never pay a dime in interest and earn thousands of points each year. You can do the same, but you must first start slowly and know your limits with each and every card that you carry.</p> <p>If you can stay organized, watch your spending, and know your limitations and those that apply to the cards that you use, you can earn a lot of free travel from your cards in a very short period of time. Good luck!</p> <p><em>How do you stretch your reward miles? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-credit-card-perks-beyond-points-and-miles">The Best Credit Card Perks Beyond Points and Miles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-for-travel-purchases">5 Best Credit Cards for Travel Purchases</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards">What Exactly Does Travel Accident Insurance Cover on Credit Cards?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had">12 Travel Perks You Didn&#039;t Know Your Credit Card Had</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel credit card perks perks reward miles travel travel miles Mon, 14 Mar 2016 10:01:04 +0000 Nick Wharton 1671108 at http://www.wisebread.com 5 Things You Should Never Buy With Your Credit Card http://www.wisebread.com/5-things-you-should-never-buy-with-your-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-you-should-never-buy-with-your-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_credit_card_000077026409.jpg" alt="Woman learning things she should never buy with a credit card" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's a big temptation: Your pockets are empty, and you desperately need that morning coffee to get through that commute. But don't do it &mdash; don't take that credit card out of your pocket. If you can't pay for that latte with cash, skip it and drink from the free coffeepot at work.</p> <p>It's easy to pay for purchases with credit cards. Maybe too easy. But there are some items that you should <em>never</em> pay for with a credit card. Why? There are always better ways to pay for these items, whether they are small, everyday purchases or big-ticket buys.</p> <p>Here are five items for which you should never rely on plastic.</p> <h2>1. Medical Bills</h2> <p>Facing a big medical bill from your doctor? Don't use your credit card to pay for it. Instead, ask your medical provider to set up an installment payment plan for you. Most medical providers will do this, and the interest rates that they charge (if any) will be lower than the rates attached to your credit card.</p> <h2>2. Income Taxes</h2> <p>If you owe taxes, you <em>do </em>have the option of paying them with your credit card. Again, though, there's a better choice. If you owe thousands of dollars to the government, contact the IRS and ask for an installment plan.</p> <p>To be eligible for such a plan, you must owe less than $50,000 and be current on your income tax filings. You must also be able to pay what you owe within 72 months.</p> <p>This isn't free, of course. The IRS will charge you interest on the money you owe and a late payment penalty, usually at 0.5% a month. But even with these fees, you're better off financially than you would be if you turned to your credit card to pay your taxes.</p> <h2>3. Unsecure Online Purchases</h2> <p>The new EMV credit cards, embedded with a computer chip, are supposed to make in-person credit card transactions safer. But these cards don't offer much protection against online credit card fraud. So be careful when you use your card to make online purchases.</p> <p>And don't ever use your card on websites that aren't secured.</p> <p>Look for &quot;https&quot; at the beginning of a site's URL in your browser. If that's not present, and the site starts instead with &quot;http&quot; (with no &quot;s&quot; at the end), don't buy from it. Such websites aren't secure, and it's far easier for criminals to steal your credit card information from them.</p> <h2>4. Big Vacations</h2> <p>We all deserve a break from the working world. An exotic vacation can provide just that. But save the money for it first.</p> <p>It's easy to rack up thousands of dollars of credit card debt on a single trip if you charge hotels, gas, meals, and visits to museums and amusement parks. Don't fall into this trap: If you save for your vacation, and stick to a planned budget while you're traveling, you'll feel much more relaxed when you return.</p> <p>If you don't, opening that huge credit card bill will make you yearn for yet another vacation.</p> <h2>5. College Tuition</h2> <p>Worried about paying for your college tuition? Join the crowd. But don't rely on your credit cards to help foot the bill.</p> <p>The interest rates on student loans are typically lower than those attached to credit cards. Many schools will even charge you an additional fee when you pay your tuition with a credit card.</p> <p>If you're worried about paying for your college education, meet with your school's' financial aid office. In addition to helping you find low-interest-rate student loans, the staffers there should be able to help you hunt for scholarships or grants that could reduce your tuition burden.</p> <p><em>What do you refuse to purchase with a credit card?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-things-you-should-never-buy-with-your-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/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/6-tricks-to-making-the-most-of-your-reward-miles">6 Tricks to Making the Most of Your Reward 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/what-exactly-does-travel-accident-insurance-cover-on-credit-cards">What Exactly Does Travel Accident Insurance Cover on Credit Cards?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly">This Might Be the Best Travel Rewards Program (No Matter What Airline You Fly)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Fast Food medical bills online shopping small expenses taxes travel tuition Tue, 23 Feb 2016 11:30:05 +0000 Dan Rafter 1658859 at http://www.wisebread.com 4 Ways Being a Nomad Saves You Money http://www.wisebread.com/4-ways-being-a-nomad-saves-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-being-a-nomad-saves-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_traveling_nomad_000067927593.jpg" alt="Man learning ways being a nomad saves him money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Maybe it was when you were fresh out of college, had just moved to a new city, or that time you wanted to spend the summer in Rome. Back then, not having a permanent address just made sense &mdash; or perhaps it was your only option.</p> <p>But, even as adults, there are special circumstances or times in our lives when electing a nomadic lifestyle is the right choice. In fact, it can carry significant financial and personal advantages. Read on to learn how giving up your permanent address can benefit your wallet. (See also: <a href="http://www.wisebread.com/save-on-car-rentals-with-these-10-easy-hacks">Save on Car Rentals With These 10 Easy Hacks</a>)</p> <h2>1. Less Tax</h2> <p>If you're self-employed and travel a lot for work, earning the majority of your income within the U.S., you're required to pay federal income tax. But you can elect a no-income-tax state, like Florida or Texas, as your permanent address and avoid state and city taxes. If collecting mail is an issue, there are several mail service providers, like <a href="https://travelingmailbox.com/">Traveling Mailbox</a>, that will accept and scan your incoming mail and forward it anywhere.</p> <h2>2. Possibly No Tax</h2> <p>For those residing outside the U.S. for at least 330 days per year and generating the bulk of their income abroad, the <a href="https://www.irs.gov/Individuals/International-Taxpayers/Foreign-Earned-Income-Exclusion">Foreign Earned Income Exclusion (FEIE)</a> of the IRS Code permits U.S. citizens pay zero federal tax on up to $101,300 (2016) of income earned abroad. In addition, ex-pats can claim annual deductions for housing expenses and meals. Freelancers and self-employed individuals also qualify for these deductions. And many overseas paradises cost a fraction of what it costs to live in the U.S.</p> <h2>3. Cheaper Cost of Living</h2> <p>Sometimes renting costs far less than homeownership. In New York City, a 600 square foot apartment will run you about $2,500 per month in rent. To buy it, it would cost roughly $750,000. That's a $150,000 down payment and a mortgage of about $2,000 per month for 30 years. That doesn't include the additional $1,000, give or take, per month you'll have to shell out for maintenance, nor does it include closing costs, PMI, property tax, or annual assessments. Instead, here's an idea: Invest the down payment today and in 30 years it'll be worth over $1.8 million (10% annual returns). Liquid. Sadly, I doubt you'd get that kind of return on your real estate, even in Manhattan.</p> <h2>4. Keep More of the Money You Make</h2> <p>You won't need to be weighed down with a lot of possessions that don't hold their value, like cars, furnishings, and electronics. Unless, of course, you are a collector of arts and antiques. Few people splurge on a temporary address, so chances are, you'll further save when that extra storage space disappears, causing you to lose that tendency to over-consume and overspend.</p> <p><em>Have you ever lived as a nomad? How'd it help your finances?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/4-ways-being-a-nomad-saves-you-money">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/10-easy-ways-to-get-your-finances-fit-for-summer">10 Easy Ways to Get Your Finances Fit For Summer</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-financial-moves-you-will-always-regret">9 Financial Moves You Will Always Regret</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-surprising-ways-the-rich-get-richer">5 Surprising Ways the Rich Get Richer</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-things-you-should-never-buy-with-your-credit-card">5 Things You Should Never Buy With Your Credit Card</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/50-smart-things-to-do-with-your-tax-refund">50 Smart Things to Do With Your Tax Refund</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance cost of living nomad lifestyle on the road permanent address taxes travel Thu, 11 Feb 2016 14:00:04 +0000 Qiana Chavaia 1654133 at http://www.wisebread.com 5 Best Credit Cards for Travel Purchases http://www.wisebread.com/5-best-credit-cards-for-travel-purchases <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-best-credit-cards-for-travel-purchases" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000040198950.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The credit card rewards that you can earn from purchasing travel have gone up, as card issuers continue to offer greater bonuses for travel purchases. So if you have large travel expenses (including gas, parking, public transportation, tolls, etc.), then you should consider these credit cards when making travel purchases. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=seealso">Best Travel Rewards Cards</a>)</p> <h2>Chase Sapphire Preferred&reg; Card</h2> <p><a target="_blank" rel="nofollow" alt="Chase Sapphire Preferred&reg; Card" title="Chase Sapphire Preferred&reg; Card" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=38&amp;pp=1&amp;uv=xcard&amp;fot=1276"><img width="154" border="0" height="97" alt="" style="float:right;margin:0 10px;" src="http://www.imgsynergy.com/191x120/chase-sapphire-preferred-091814.png" /></a>The <a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=38&amp;pp=1&amp;uv=xname&amp;fot=1276">Chase Sapphire Preferred&reg; Card</a> is a favorite among frequent travelers as cardholders earn two points per dollar spent on all travel and dining purchases. Points can be transferred at a 1:1 ratio to participating travel partners, including Southwest, British Airways, and United, and hotel partners such as Hyatt, Marriott, and IHG. Cardholders also get 20% off travel for purchases made through the Chase Ultimate Rewards travel portal. This card has no foreign transaction fees and a $95 annual fee that is waived the first year.</p> <p><strong>Sign up offer:</strong> Receive 50,000 bonus points after spending $4,000 within the first three months of account opening, and an additional 5,000 points when adding a first authorized user who makes a purchase in the first three months.</p> <p><strong><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=38&amp;pp=1&amp;uv=xend&amp;fot=1276">Click here to learn more and apply for the Chase Sapphire Preferred&reg; Card today!</a></strong></p> <h2>Premier Rewards Gold Card from American Express</h2> <p><a target="_blank" rel="nofollow" alt="American Express&reg; Premier Rewards Gold Card" title="American Express&reg; Premier Rewards Gold Card" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=3&amp;pp=2&amp;uv=xcard&amp;fot=1276"><img width="154" border="0" height="97" alt="" style="float:right;margin:0 10px;" src="http://www.imgsynergy.com/191x120/premier-rewards-gold-card-111715.png" /></a>The <a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=3&amp;pp=2&amp;uv=xname&amp;fot=1276">Premier Rewards Gold Card from American Express</a> offers a variety of benefits for those who often make travel purchases. Cardholders earn three points per dollar on air travel and two points per dollar at US gas stations, US grocery stores, and US restaurants. New applicants receive 25,000 points after spending $2,000 in the first 3 months. You can also use the Premier Rewards Gold Card for incidental travel fees and get up to $100 in statement credits each calendar year. Plus, get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at <a href="http://americanexpress.com/hc">americanexpress.com/hc</a>. This card has no foreign transaction fees and a $195 annual fee that is waived in the first year.</p> <p><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=3&amp;pp=2&amp;uv=xend&amp;fot=1276"><strong>Click here to learn more and apply for the Premier Rewards Gold Card from American Express today!</strong></a></p> <h2>Citi Prestige&reg; Card</h2> <p><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=53&amp;pp=3&amp;uv=xcard"><img width="154" border="0" alt="" style="float:right;margin:0 10px;" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/10.22-CitiPrestigeCard-191.jpg" /></a>The <a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=53&amp;pp=3&amp;uv=xname">Citi Prestige&reg; Card</a> is an excellent option for those who like to travel in luxury. Earn three points per dollar on all air travel, hotel, and travel agency purchases, two points per dollar on dining and entertainment, and one point per dollar on all other purchases. Cardholders can receive $250 in travel credits that will automatically apply to flight-related expenses, as well as a $100 Global Entry application fee credit. When booking through the ThankYou&reg; Travel Center, points are worth 60% more on American Airlines flights than when redeemed for non-air travel. Like the Citi ThankYou Premier, points can be transferred to partners at no additional fee. Enjoy access to the American Airlines Admirals Club lounges and VIP lounges through Priority Pass Select, and you can receive a complimentary 4th night stay at select hotels while traveling. This card has no foreign transaction fees. There is a $450 annual fee.</p> <p><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=53&amp;pp=3&amp;uv=xend"><strong>Click here to learn more and apply for the Citi Prestige&reg; Card today!</strong></a></p> <h2>Capital One&reg; Venture&reg; Rewards Credit Card</h2> <p><a title="Capital One&reg; Venture&reg; Rewards Credit Card" alt="Capital One&reg; Venture&reg; Rewards Credit Card" rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=26&amp;pp=4&amp;uv=xcard"><img width="154" border="0" height="97" alt="" style="float:right;margin:0 10px;" class="img-exempt" src="http://www.imgsynergy.com/191x120/capital-one-venture-rewards-credit-card-101614.png" /></a>The <a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=26&amp;pp=4&amp;uv=xname">Capital One&reg; Venture&reg; Rewards Credit Card</a> offers unlimited 2x miles per dollar on all purchases. Earn an unlimited amount of miles and they don't expire. Get the added benefit of earning 2x miles on non-travel purchases as well. Redeem miles for statement credit on travel purchases, allowing you to earn miles on your travel rewards, too! There is no annual fee for the first year. It's $59 thereafter.</p> <p><strong>Bonus offer:</strong> Get a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.</p> <p><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=26&amp;pp=4&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Venture&reg; Rewards Credit Card today!</strong></a></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/5-best-credit-cards-for-travel-purchases">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-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/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</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/best-credit-cards-for-road-trips">Best Credit Cards For Road Trips</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/best-credit-cards-for-cruises">Best Credit Cards for Cruises</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-sign-up-bonuses-for-airline-miles-credit-cards">5 Best Sign-up Bonuses for Airline Miles Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel best credit cards shopping travel Thu, 12 Nov 2015 21:47:37 +0000 Jason Steele 1547040 at http://www.wisebread.com Savor Your Trip and Save Big With These 5 Slow Travel Tips http://www.wisebread.com/savor-your-trip-and-save-big-with-these-5-slow-travel-tips <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/savor-your-trip-and-save-big-with-these-5-slow-travel-tips" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_traveling_london_000022997963=.jpg" alt="Woman savoring her trip and saving big with slow travel tips" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I've been on the road over five years in total and in that time I've seen 45 countries. This may sound like a lot of places to see, but it averages around six weeks per country. And that slower travel rate has served me well.</p> <p>In my experience, by staying put and traveling slower, I've not only formed a better connection and understanding of the places that I visit, but I've also saved a lot of money along the way. Here's how.</p> <h2>1. Accommodation</h2> <p>Where you'll stay is one of your biggest travel expenses &mdash; and a great place to look for savings.</p> <h3>Long-Stay Discounts</h3> <p>If you know you're going to be staying at the same hotel for more than a couple nights, you can ask for a long-stay discount. I've had hotels offer many free nights just by asking!</p> <p>See also: <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards">Best Credit Cards for Hotel Deals and Rewards</a></p> <h3>Vacation Rentals</h3> <p>Whenever you're booking a hotel or resort for a two-week or longer stay, you're spending a lot more money than you need to (even if you get a discount). If you decide to stay in one place for two weeks or more, you may just find that vacation rentals will give you much more bang for your buck.</p> <h3>Local Apartment Rentals</h3> <p>Vacation rentals are cheaper than hotels, but if you stay in one place for two months or more, you can save even more money by renting a local apartment. Once you start getting into local rentals and out of the vacation rental space, you can find some amazing deals. Vacation rentals are generally reserved for short stays (two weeks to two months) and are often owned by expats, meaning they are more expensive than regular apartments.</p> <p>On my recent two and a half month trip to Mexico, I paid $50 per night for a small room with a double bed at a hostel. That's $1,500 per month if I had stayed for 30 days! Luckily I only stayed for a couple of nights while searching for an apartment. Vacation rentals were charging at least $1,000 per month, but within three days of looking around I had found a lovely, Mexican-style, two bedroom, two-level local apartment with a large kitchen and dining room for just $400 per month! I landed this price because I was staying &quot;long-term.&quot;</p> <h3>House Sitting</h3> <p>Longer stays in each place will also give you the ability to easily find house sitting jobs. It's not easy to line up one-to-three night house sitting gigs while you're moving around a country quickly, but if you plan to stay in one town for a couple of weeks, you may be able to find a house sitting job and get free accommodation.</p> <h2>2. Transport</h2> <p>Your transportation costs can add up quickly, so be smart about how you choose to get around.</p> <h3>Car Rental</h3> <p>It's no secret that the longer you rent a car, the less you pay. A few years ago, I rented a car for five weeks in South Africa and it only costed me $20 per day, including all insurance! All major car rental companies will offer significant savings when booking a car for a month or more.</p> <p>If you're traveling to a new country every week, you won't be able to take a long-term rental because most car rental companies don't want you to cross borders with their cars. Drive around one country for a few weeks or months and watch the savings add up.</p> <p>See also: <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card">What Does Car Rental Insurance Cover on Your Credit Card</a></p> <h3>Public Transport</h3> <p>You won't actually get a discount on public transport tickets by traveling slower, but you'll definitely be buying less bus, plane, and train tickets. Many buses and trains cost around $5 per hour or more depending on where in the world you are ($1 per hour in Asia). These costs quickly add up if you're taking a seven-hour bus ride every two days. That's $525 a month!</p> <h2>3. Tours</h2> <p>You don't need to spend all your dough in order to explore your chosen destination.</p> <h3>Time to Shop Around</h3> <p>I can't count how many times I arrived in a city in the afternoon, booked a tour that evening, and left on an excursion the next morning. There's nothing wrong with this kind of speedy shopping, except when you return to town and find the same tour for half the price at another agency! Traveling slower will give you time to shop around and find the best deals on tours.</p> <h3>Spread Out Your Sight Seeing</h3> <p>Taking a tour every day and trying to see everything in a short visit can be expensive. If you give yourself a bit more time, you can spend time doing things that don't cost money, like an independent walking tour or a relaxing beach day.</p> <h3>Taking Advantage of Free Days</h3> <p>Many museums, galleries, and historical sites around the world have special days each week when entrances are either discounted, or completely free. By staying in a city longer, you'll have a better chance of being able to take advantage of these days to save money.</p> <h2>4. Food</h2> <p>Food is a major part of the fun when it comes to traveling, but don't spend all your money on one meal!</p> <h3>More Time to Find the Local Joints</h3> <p>Sometimes it takes some searching to find the best, cheap restaurants in a city. The more time you spend in each place, the more time you'll have to explore and find your favorite hole-in-the wall restaurants with the most delicious food and the best prices.</p> <h3>Discount Days and Festivals</h3> <p>Just like museums and galleries, restaurants almost always have special discounts on different days of the week. If you are traveling quickly, you may miss these days, or not even find out about them. Festivals are also on fixed dates and so you'd have to get lucky to catch one if you're moving from place to place every other day. Stay in one town for a month and you're likely to witness some sort of festival or event that's offering free food and free entertainment!</p> <h3>Cooking in Apartment Kitchens</h3> <p>This is one of the best ways to save money while traveling and it goes with the first tips in this article about renting an apartment instead of booking a hotel. When you have a kitchen, you'll be able to buy your own groceries and cook for yourself. A cheap breakfast in a restaurant may cost upwards of $10 (depending on where you're traveling), while a similar breakfast cooked at home won't likely break a dollar.</p> <h2>5. Visas</h2> <p>More border crossings means more transportation costs, and of course, more entrance visas. Depending on what part of the world you're exploring, visas can range from free, to $150 per entrance. When I was traveling in Central Asia for three months in 2013, I spent over $300 in entrance visas and invitation letters alone because I was moving to a new country every two weeks. This is an extreme case because of the heavy bureaucracy and high cost of visas in this area, but visa costs add up no matter where you're traveling. Stay in one country longer and avoid getting charged (and paying border guard bribes) so often.</p> <h3>Slow and Steady&hellip;</h3> <p>Travelers often like to pack multiple cities in one trip to see as many places as possible, but not only can you save money by staying in one place, the experience of living in a foreign place longer than a few days can be just as exciting. See our <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">favorite travel rewards credit cards</a> that will help you get to your dream vacation sooner!</p> <p><em>Are you a slow traveler? Where have you been? Where are you going?</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/savor-your-trip-and-save-big-with-these-5-slow-travel-tips">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/5-affordable-alternatives-to-pet-boarding">5 Affordable Alternatives to Pet Boarding</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/10-little-words-that-will-get-you-the-best-price-every-time">10 Little Words That Will Get You the Best Price, Every Time</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-groupon-getaways-a-good-idea">Are Groupon Getaways a Good Idea?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-sibling-discounts-that-can-save-you-big">6 Sibling Discounts That Can Save You Big</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living backpacking discounts hostel travel travel hacks vacation rentals Mon, 12 Oct 2015 11:00:40 +0000 Nick Wharton 1586202 at http://www.wisebread.com 10 Flight Booking Hacks to Save You Hundreds http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-flight-booking-hacks-to-save-you-hundreds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000052282084_1.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I've been traveling and hacking flights since 2008, spending nearly eight years researching and finding secret methods to save money, earn points, and fly for free. These effective and easy-to-use tricks have saved me thousands of dollars over the years and now they can do the same for you.</p> <h2>1. Use Google Flights</h2> <p>If there ever was a single flight booking engine to rule them all, it would be <a href="https://www.google.com/flights/">Google Flights</a>. This incredible website will revolutionize the way you book flights and it can save you a ton of money along the way. Let's go over some of the main features of this booking site that blows others like it out of the water.</p> <h3>Two Months of Fares</h3> <p>A frequent flyer knows that there are always cheaper days of the week and times of the month to fly. Google Flights simplifies your fare search by showing you a calendar with two full months of fares. There's even a handy bar graph that makes it easy to see which day is the cheapest. I have found flights for nearly half price just by using this tool and flying on the right day of the month!</p> <h3>Destination Region, Not Just Destination City</h3> <p>Sometimes you want to go to Europe, but you want to be spontaneous. You'll fly to any city as long as it's cheap. Well, Google Flights will be your new best friend. Instead of having to input a destination city, you can input a destination region (ie: Europe). You can then open a map view of the entire continent which shows airfares on every major city and airport. With this trick, I found that I could fly to Paris for $150 less than if I flew to London on the same day. Using traditional methods of flight search, you'd have to separately search each city in Europe to find the cheapest flight and this could potentially take hours.</p> <h3>Happiness Factors</h3> <p>A good deal on a flight ticket is only a good deal if you're comfortable while you're in the air. Google has teamed up with Routehappy to include &quot;Happiness Factors&quot; in their search results. Now you can see if there is food, USB power outlets, TVs, video on demand, and Wi-Fi on your flight. The factors are shown using easy to spot icons right next to the fares in search results. You can even see how many inches of legroom you'll have!</p> <h3>Best Flight Recommendation</h3> <p>Google takes the guesswork out of choosing flights. Sometimes, customers are blinded by a cheap deal and they fail to notice that there is a 45-hour layover in Delaware. For an extra $40 you could have flown direct! Google automatically calculates the best flight for you based on a good balance of price and transit time. Brilliant. (See also: <a href="http://www.wisebread.com/the-secret-flight-search-site-savvy-travelers-use?ref=seealso">The Secret Flight Search Site Savvy Travelers Use</a>)</p> <h2>2. Clear Your Cache</h2> <p>This is a big one, everybody! Have you ever noticed that when you return to check the cost of your flight day after day, the price just keeps going up? This is not a coincidence. Flight booking engines and airline websites store cookies in your browser. These cookies can monitor your browsing habits and they'll know when you return to their website to check flight costs again and again. They will then jack the price up to urge you to buy! It sounds criminal, doesn't it? Well it's not illegal and it happens all of the time on pretty much every booking website. (See also: <a href="http://www.wisebread.com/4-secrets-to-getting-the-lowest-rate-from-travel-websites?ref=seealso">4 Secrets to Getting the Lowest Rate From Travel Websites</a>)</p> <p>To avoid getting charged extra every time you book a flight, simply clear your browser cache before booking anything online, or if you use Google Chrome as your browser, simply hit control-shift-N to open an &quot;incognito&quot; window which ensures cookie-free browsing.</p> <p>Note: Clearing the cache is different for every browser, here are instructions for the most common ones: <a href="https://support.google.com/chromebook/answer/183083?hl=en">Google Chrome</a>, <a href="http://agsci.psu.edu/it/how-to/clear-internet-explorer-8-ie8-browsing-history-cache">Internet Explorer</a>, <a href="https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored">Firefox</a>, and <a href="https://guides.instructure.com/m/4214/l/334964-how-do-i-clear-my-browser-cache-on-a-mac">Safari</a>.</p> <p>I recently booked a flight from Guatemala to Cuba and I noticed that each day before booking, the price kept going up. Luckily I utilized this simple hack and voila! The price magically went back down and I saved $250 on two tickets! Don't believe me? Check out the split image below. The bottom half is the flight before clearing the browser cache and the top half is the exact same flight, booked 10 minutes later using &quot;incognito&quot; mode.</p> <p><img width="605" height="456" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/flight%20prices.jpg" /></p> <p>If you didn't know about this hack before, then you've probably overpaid for pretty much every flight you've ever taken. Next time you book a flight, make sure you clear your cache or shop &quot;incognito.&quot;</p> <h2>3. Get Bumped</h2> <p>Is saving big money on flights not good enough for you? You want to <a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">fly for free</a>? No problem. You can get free flight vouchers so you don't have to pay for your future airfare at all. It's called &quot;getting bumped.&quot;</p> <p>Here's how it works: These days, there are so many people flying that airlines overbook their flights and bank on the fact that not everyone will show up to the gates come check-in time. Sometimes this works for them and they can overbook flights without a hitch, but other times they have to ask some passengers if they wouldn't mind taking the next scheduled flight instead. These passengers are &quot;getting bumped.&quot;</p> <p>Why is &quot;getting bumped&quot; such an awesome hack? Because if you get bumped, you'll be flown to your destination on the next scheduled flight, plus you'll receive a free flight voucher for your next holiday! That's right, your next flight will be free.</p> <p>But you shouldn't just cross your fingers and hope to get bumped. There are three things that you should do to better your chances.</p> <h3>Choose a Popular Flight</h3> <p>The more popular the flight route, the more likely it will be that the airline needs to bump passengers. Choose a destination city that is popular, and fly on the busiest day possible (usually Monday mornings, Friday afternoons, and around holidays).</p> <h3>Pack Light</h3> <p>Airline staff will try to choose the most convenient candidates for bump passengers. If they have to go fetch your bag from under the plane, they probably won't pick you. If you want to get bumped, try to pack only carry-on luggage.</p> <h3>Show Up Extra Early and Volunteer</h3> <p>Head to the check-in counter right when it opens and have a big smile on your face. Politely mention to the agent that you're in no rush, and you'd have no problem volunteering to take the next flight if they need you to.</p> <p>Now you just sit and wait with your fingers crossed. This hack may not work every time, but you can definitely get a few free flights if you keep trying.</p> <h2>4. Book at the Right Time</h2> <p>The &quot;right time to book&quot; has been a debate amongst frequent flyers since the invention of commercial air travel. How long before your departure date should you start shopping for flights? Are last-minute deals the best or is it better to plan in advance to get early bird discounts?</p> <p>According to a 2013 study conducted by CheapAir.com, the <a href="http://www.cheapair.com/blog/travel-tips/when-should-you-buy-your-airline-ticket-heres-what-our-data-has-to-say/">optimal time to book flights</a> is approximately 48 days (about seven weeks) before departure. The study also claimed that most airlines will charge hefty premiums for late bookings (within 14 days of departure) and for early bookings (more than five months in advance).</p> <h2>5. Become &quot;Cancellation Protected&quot;</h2> <p>Many flight booking engines have pretty strict flight cancellation policies that are often separate from the airline's policies. Sometimes you have to cancel your flight for unforeseen reasons and if you booked with an online booking site, you may be out of luck and out of money.</p> <p>Instead, find the flight using your favorite booking engine, get the flight number and date of the cheapest fare, and then go straight your chosen airline's website to book it. This way, you'll have a better chance of getting at least some kind of refund if you have to cancel down the road.</p> <p>Keep in mind, you can get refunds on many <a href="http://www.wisebread.com/how-to-get-a-refund-when-something-is-non-refundable">&quot;non-refundable&quot; purchases</a> if you know how to ask.</p> <h2>6. Use Your Best Travel Rewards Credit Card</h2> <p>There's no reason why anyone should book travel without reaping the benefits of travel rewards and air miles from their favorite credit cards. Whenever you're paying for a holiday, trip or vacation, make sure that you're using your <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">best travel rewards credit card</a>.</p> <p>Find the <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work">best card for your travel preferences</a>, rack up your points and miles, and then <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">redeem them for a free vacatio</a>n!&nbsp;<span style="font-size: 13px; line-height: 1.7em;">If you're a loyal flyer on a particular airline, a </span><a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal" style="font-size: 13px; line-height: 1.7em;">co-branded airline card</a><span style="font-size: 13px; line-height: 1.7em;"> will get you extra travel perks like priority boarding and discounts off in-flight purchases.</span></p> <h2>7. Use the Flight+Hotel or Flight+Rental Tab</h2> <p>You've probably seen that little tab at the top of flight booking websites that says Flight+Hotel or Flight+Car Rental. It looks like it's just an aggressive upsell, trying to get you to spend more money than you really want to, but it turns out, there are huge savings hidden beneath that tab.</p> <p>Flight booking engines offer customers big discounts on their flights, hotels, and car rental if they book them all together. Even if you don't want to rent a car for the duration of your holiday, give this little hack a try.</p> <p>In my sample booking, the cheapest flight from Toronto to London in July of 2015 was $1,524. I then searched the same flight using the tab on the British Airways website that says &quot;Flight+Car&quot; and found it for just $1,444 including a rental for the duration of the one week holiday. That's $80 less for the flight, plus a free rental car.</p> <h2>8. Pack Your Stuff to Avoid Extra Baggage Fees</h2> <p>Everyone wants to avoid going over the baggage allowance on flights. It's a good idea to always carry the maximum allowed size for your carry-on luggage, plus a purse, and a laptop bag. Most airlines allow all of these items as carry-ons and having all three is a loophole that will help you to avoid expensive fees at check-in. (You can sometimes sneak on with a plastic grocery bag as well!)</p> <p>If that nasty scale at the check-in counter is calling your luggage fat, take the heaviest things out and put them in your purse or daypack. Toss some things in the laptop bag and distribute the weight into your carry-ons so that you don't have to pay an extra cent for heavy checked luggage.</p> <p>Bonus hack: If you're traveling with golf clubs, stuff the golf bag with as much clothing as you can to lighten your other checked bag and avoid overweight charges. (See also: <a href="http://www.wisebread.com/25-secrets-from-the-worlds-most-frugal-frequent-travelers?ref=seealso">25 Secrets From the World's Most Frugal Frequent Travelers</a>)</p> <h2>9. Ask to Sit Close to the Emergency Exit</h2> <p>On most airlines, you are charged extra if you request the emergency exit seats because they have twice the leg room, but you can often get them for free. When you check in for your next flight, request that your seat is <em>close to</em> the nearest emergency exit row. This is free.</p> <p>As soon as the plane doors are sealed and you see an empty emergency exit seat, switch over to it. Because passengers are charged extra if they request exit seats before departure, there are usually a couple of empty ones available and once the plane is sealed, you don't have to pay to move into them.</p> <p>See also: <a href="http://www.wisebread.com/15-airport-hacks-from-professional-travelers?ref=seealso">15 Airport Hacks From Expert Travelers</a></p> <h2>10. Use the Multi-City Tab</h2> <p>Basically, the Multi-City tab can be found on almost all booking sites and it gives customers access to secret discounts for taking multiple flights at the same time. In my case, I needed to fly from Guatemala City to Havana and then on to San Jose, Costa Rica three weeks later. If I were to book these flights separately, they would have cost me $938, but booking the same trip using the Multi-City tab only cost me $710. That's a savings of $218. Use this tab when you're planning multiple flights in a specific time frame and you can save a lot of money.</p> <p><em>Do you know of some money saving flight hacks that I missed? Please share them with the world 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/10-flight-booking-hacks-to-save-you-hundreds">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-smart-travel-hacks-only-frequent-flyers-know">5 Smart Travel Hacks Only Frequent Flyers Know</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-4 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-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Travel airline miles airline tickets credit cards flight booking flying travel vacation Mon, 07 Sep 2015 11:00:35 +0000 Nick Wharton 1548205 at http://www.wisebread.com 5 Best Credit Cards that Transfer Points to Airline Miles http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-best-credit-cards-that-transfer-points-to-airline-miles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/world_travel_000003712634.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you know any fair weather fans that only root for their team when they are winning? How about those who jump on the bandwagon and declare themselves to be loyal fans only after a team becomes great? These can pretty annoying traits among sports fans, but people do this in order to be aligned with a winner.</p> <p>Like sports teams, airline frequent flier programs have their good times and their bad times, and no one wants to earn miles with a carrier that suddenly decides to change their program for the worse. Thankfully, there is a type of credit card that allows cardholders to transfer their rewards to one of several different airlines at their choosing. So cardholders need not commit to transferring miles to a single airline program until right before they need to redeem a particular award ticket. So they can essentially pick their team while it is winning.</p> <p>These flexible point transfer programs have been increasing in popularity as airlines continue to change the rules of their frequent flier programs, sometimes with no notice. To choose the best flexible points transfer card for your needs, you should examine the features and benefits of these cards, and which airline miles you can transfer your points to.</p> <p>Here are the top five credit cards that offer point to mileage transfers:</p> <h2>Chase Sapphire Preferred&reg; Card</h2> <p><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=38&amp;pp=1&amp;uv=xcard&amp;fot=1240" title="Chase Sapphire Preferred&reg; Card" alt="Chase Sapphire Preferred&reg; Card" rel="nofollow" target="_blank"><img width="154" border="0" height="97" src="http://www.imgsynergy.com/191x120/chase-sapphire-preferred-091814.png" style="float:right; margin:0 5px 5px 10px;" alt="" /></a>The Chase Ultimate Rewards program features six airline transfer partners and four hotel programs. Although this doesn't seem like a generous number of airline partners, the selection is among some of the more valuable programs. For example, Southwest and United are exclusive transfer partners to this program, and others like Korean and British Airways offer partner awards with Delta and American Airlines respectively.</p> <p>Chase also allows points from their <a href="http://www.wisebread.com/chase-freedom-visa-review-200-cash-back-bonus">Freedom card</a> to be transferred to their <a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=38&amp;pp=1&amp;uv=xname&amp;fot=1240" rel="nofollow" target="_blank">Sapphire Preferred&reg; card</a>, which allows points from Freedom to be transferred to travel partners as well. Freedom cardholders cannot do this without a Sapphire card.</p> <p>For each dollar spent, the Chase Sapphire Preferred Card offers double points for dining and travel purchases, and one point for other purchases. New cardholders will receive 50,000 bonus points when they spend $4,000 on their card within the first three months of account opening. There is a $95 annual fee for this card that is waived the first year.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=38&amp;pp=1&amp;uv=xend&amp;fot=1240" rel="nofollow" target="_blank">Click here to learn more and apply for the Chase Sapphire Preferred&reg; Card today!</a></strong></p> <h2>BankAmericard Travel Rewards Credit Card</h2> <p><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=18&amp;pp=2&amp;uv=xcard" title="BankAmericard Travel Rewards&reg; Credit Card" alt="BankAmericard Travel Rewards&reg; Credit Card" rel="nofollow" target="_blank"><img border="0" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/BoA_Travel-154.jpg" style="float:right;margin:0 10px;" class="img-exempt" alt="" /></a>The <a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=18&amp;pp=2&amp;uv=xname" rel="nofollow" target="_blank">BankAmericard Travel Rewards&reg; Credit Card</a> isn't partnered with a specific airline program. Instead, you get the flexibility of redeeming your points as statement credit to pay for flights on <em>any</em> airline with no blackout dates and restrictions. You can also use your points on hotel stays, vacation packages, cruises, rental cars or baggage fees. This card offers 20,000 online bonus points, worth $200 in statement credit, if you make at least $1000 in purchases in the first 90 days. Earn unlimited 1.5 points per $1 spent on every purchase, with no expiration date on the points. This card has <strong>no annual fee</strong> and no foreign transaction fees. <a href="https://consumer.bankofamerica.com/USCCapp/Ctl/entry?sc=VACOY7&amp;pid=dppf">See terms.</a></p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=18&amp;pp=2&amp;uv=xend" rel="nofollow" target="_blank">Click here to learn more and apply for the BankAmericard Travel Rewards&reg; Credit Card today!</a></strong></p> <h3>Capital One&reg; Venture&reg; Rewards Credit Card</h3> <p><a target="_blank" rel="nofollow" alt="Capital One&reg; Venture&reg; Rewards Credit Card" title="Capital One&reg; Venture&reg; Rewards Credit Card" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=26&amp;pp=3&amp;uv=xcard"><img width="154" height="98" alt="" style="float:right;margin:0 5px 5px 10px;" class="img-exempt" src="http://www.imgsynergy.com/191x120/capital-one-venture-rewards-credit-card-101614.png" /></a>The <a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=26&amp;pp=3&amp;uv=xname">Capital One&reg; Venture&reg; Rewards Credit Card</a> allows you to redeem your miles as statement credit toward travel purchases at any airline, any hotel, rental cars, and more. It is currently offering a one-time bonus of 40,000 miles (equal to $400 in travel) once you spend $3,000 on purchases in the first 3 months. Earn unlimited 2x miles per dollar on every purchase, every day &mdash; and miles don't expire. There are no blackout dates and no foreign transaction fees. The annual fee of $59 is waived for the first year.</p> <p><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=26&amp;pp=3&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Venture&reg; Rewards Credit Card</strong></a></p> <h2>Starwood Preferred Guest&reg; Credit Card from American Express</h2> <p><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=14&amp;pp=3&amp;uv=xcard&amp;fot=1240" target="_blank" rel="nofollow" alt="Starwood Preferred Guest&reg; Credit Card from American Express" title="Starwood Preferred Guest&reg; Credit Card from American Express"><img width="154" border="0" height="97" src="http://www.imgsynergy.com/191x120/starwood-preferred-guest-consumer-081115.png" alt="" style="float: right; margin: 0px 10px; alt=" /></a>Among travel rewards enthusiasts, the <a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=14&amp;pp=3&amp;uv=xname&amp;fot=1240" target="_blank" rel="nofollow" alt="Starwood Preferred Guest&reg; Credit Card from American Express" title="Starwood Preferred Guest&reg; Credit Card from American Express">Starwood Preferred Guest&reg; Credit Card from American Express</a> has a loyal following of raving fans due to its over 30 different airline transfer partners, most which offer 1:1 conversion rate. Cardholders also get an additional 5,000 mile bonus when transferring 20,000 points at one time.</p> <p>The card also earns two points per dollar spent at Starwood properties and one point per dollar spent on other eligible purchases. New cardholders will get 25,000 points after using their card to spend $3,000 on purchases within the first three months of cardmembership. There is a $95 annual fee for this card that is waived the first year. Terms and conditions apply.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=14&amp;pp=3&amp;uv=xend&amp;fot=1240" target="_blank" rel="nofollow">Click here to learn more and apply for the Starwood Preferred Guest&reg; Credit Card from American Express today!</a></strong></p> <h2>Amex EveryDay&reg; Credit Card from American Express</h2> <p><img width="154" border="0" height="97" alt="" style="float: right; margin: 0px 10px; alt=" src="http://www.imgsynergy.com/191x120/amex-everyday-credit-card-111115.png" />The <a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=2&amp;pp=4&amp;uv=xname&amp;fot=1240">Amex EveryDay&reg; Credit Card from American Express</a> offers points in the American Express Membership Rewards program, which features 17 different airline transfer partners. Most of these transfer partners offer a 1:1 transfer ratio. This is one of the few cards that offer a flexible point transfer program without an annual fee.</p> <p>Cardholders earn one point per dollar spent, and double points for spending at U.S. supermarkets. In addition, cardholders will receive a 20% bonus during each statement period that they make at least 20 purchases (less returns and credit). New cardholders can earn 10,000 bonus points when they use their card to spend $1,000 on purchases within their first three months of cardmembership. Terms and conditions apply. Finally, American Express also offers the <a href="http://www.wisebread.com/amex-everyday-preferred-card-review">Amex EveryDay&reg; Preferred card</a> which features even more bonus points, but has an annual fee.</p> <p><strong><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=2&amp;pp=4&amp;uv=xend&amp;fot=1240">Click here to learn more and apply for the Amex EveryDay&reg; Credit Card from American Express today!</a></strong></p> <h2>The Hilton HHonors&trade; Card from American Express</h2> <p><a target="_blank" rel="nofollow" alt="Hilton HHonors&trade; Card from American Express" title="Hilton HHonors&trade; Card from American Express" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=10&amp;pp=5&amp;uv=xcard&amp;fot=1240"><img width="154" border="0" height="97" style="float:right; margin:0 5px 5px 10px;" alt="" src="http://www.imgsynergy.com/191x120/hilton-hhonors-card-from-american-express-102015.png" /></a>HHonors points can be converted to miles with over 40 airline partners, at around a 10:1. ratio. It's not great, but the card offers generous points for purchases. The <a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=10&amp;pp=5&amp;uv=xname&amp;fot=1240">Hilton HHonors&trade; Card from American Express</a> earns 7x points per dollar spent at Hilton hotels, 5x points at U.S. supermarkets, at U.S. restaurants, and at U.S. gas stations, and 3x points elsewhere. New cardholders can earn 50,000 bonus points when they use their card to make $750 in purchases within the first three months of card membership. Terms and conditions apply. There is no annual fee.</p> <p><strong><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=10&amp;pp=5&amp;uv=xend&amp;fot=1240">Click here to learn more and apply for the Hilton HHonors&trade; Card from American Express today!</a></strong></p> <h2>IHG Rewards Club Select Credit Card</h2> <p>IHG points can be transferred to over 30 airline partners, with a transfer ratio of 10,000 points to 2,000 miles in most cases. The <a href="http://www.wisebread.com/get-free-nights-with-ihg-rewards-club-select-credit-card">IHG&reg; Rewards Club Select Credit Card</a> earns 5 points per dollar spent at IHG properties, 2 points at gas stations, grocery stores, and restaurants, and 1 point on other purchases. New cardholders can earn 70,000 bonus points after spending $2,000 on purchases within the first 3 months. Additional benefits include a free night's stay each year of card membership, platinum elite status, 50% bonus earnings, and 10% rebate on point redemptions. The $49 annual fee is waived for the first year.</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/5-best-credit-cards-that-transfer-points-to-airline-miles">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/5-best-sign-up-bonuses-for-airline-miles-credit-cards">5 Best Sign-up Bonuses for Airline Miles Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/5-best-credit-cards-that-transfer-points-to-hotels">5 Best Credit Cards that Transfer Points to Hotels</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/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly">This Might Be the Best Travel Rewards Program (No Matter What Airline You Fly)</a></span> </div> </li> <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/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel airline miles best credit cards points transfer travel Sat, 13 Jun 2015 13:00:11 +0000 Jason Steele 1455616 at http://www.wisebread.com Traveling to Asia? Snatch Up AirAsia's Asean Pass http://www.wisebread.com/traveling-to-asia-snatch-up-airasias-asean-pass <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/traveling-to-asia-snatch-up-airasias-asean-pass" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/asia_000016198994.jpg" alt="Beautiful scene in Asia that makes you want to travel there" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In January, my husband and I went on a 12-day whirlwind trip around Hong Kong, Singapore, and Thailand that seemed to have it all: great food, adventure, sightseeing, exploring various neighborhoods, and fun times with locals. (Oh, and lots of mosquito bites.) The one thing we were missing? The new Asean Pass from AirAsia, which lets you jet around Southeast Asia on a proverbial dime.</p> <p>The savings we could have snagged are pretty significant: between the two of us, we spent $655 (plus 30,000 United MileagePlus miles) jetting around to the various places on our itinerary once we arrived in Asia. But for $160 USD each, we'd have received 10 credits on our Asean Pass &mdash; enabling us to visit way more than three cities. That's about half of the cost&hellip; and a lot more value! (See also: <a href="http://www.wisebread.com/6-ways-my-family-scores-free-travel-with-credit-cards?ref=seealso">6 Ways My Family Scores Free Travel With Credit Cards</a>)</p> <p>But just because we missed out doesn't mean that <em>you</em> have to.</p> <p>Here's how it works.</p> <h2>140 Routes in 10 Countries</h2> <p>The Asean pass provides an all-in-one passport to travel more than 140 routes between 10 countries (Malaysia, Indonesia, Singapore, Thailand, Brunei, Cambodia, the Philippines, Laos, Myanmar, and Vietnam). Depending on the number of credits purchased, pass-holders have between one month (10 credits) and two months (20 credits) to complete all travel. And according to <a href="http://stevyong.com/2015/02/25/airasia-asean-pass-review/">finance blogger Stev Yong</a>, who's done the math, the pass can save you anywhere between 35%-42%.</p> <h2>Certain Routes Are Worth More Credits</h2> <p>If maximum mileage is what you're looking for, you'll probably want to choose a bunch of one-credit routes like Bangkok &rarr; Phuket or Kuala Lumpur &rarr; Singapore. (Check out a full breakdown of <a href="http://www.airasia.com/my/en/book-with-us/asean-pass.page">how many credits each route costs</a>.)</p> <p>AirAsia also provides some cool ideas for suggested itineraries. For instance, the &quot;Islands and Beaches&quot; trail takes you to Bangkok, Krabi, Kuala Lumpur, Kuala Terengganu (in Malaysia), and Lombok (in Indonesia) for a total of 10 credits, while the &quot;Epic Food Trail&quot; itinerary includes Kuala Lumpur, Chiang Mai, Bangkok, Ho Chi Minh City, and Penang for just eight credits. (See all the <a href="http://www.airasia.com/travel3sixty/digitalexclusives/how-to-make-the-most-of-your-asean-pass">itinerary possibilities</a>.)</p> <h2>Credits Can Only Be Redeemed for Base Fare</h2> <p>The price of the pass doesn't include airport taxes, so that cost will be added onto each flight that you take. (Bright side: you won't have to pay any processing fees.) Also, AirAsia is similar to low-cost American airlines like Spirit and Allegiant in that add-ons like checked baggage, seat assignments, and in-flight meals aren't included. If you know you'll be toting a large backpack or can't function without an aisle seat, be sure to factor those costs in when deciding if the pass is right for you.</p> <h2>Each Route Can Be Redeemed Once and Not All Destinations Connect</h2> <p>The pass is entirely suited to leisure explorers rather than business commuters, since pass-holders can't fly the same route more than once.</p> <p>Also, it's important to do due diligence ahead of time and make sure that the pass will suit your desired itinerary. Here's how AirAsia suggests devising a master plan: make a list with two columns &mdash; the first for must-visit cities, the second for lower-priority (but still desirable) destinations that you're open to visiting. Next, mark your first-column cities on a map and check to see if <a href="http://www.airasia.com/my/en/book-with-us/asean-pass.page">there are flights between them</a>. If not, consider incorporating some of the second-column cities to make the connection.</p> <h2>Rezzies Must Be Made 14 Days in Advance</h2> <p>Though many long-term travelers like to fly by the seat of their pants, that won't work so well with the Asean Pass. Since the pass is only good for a maximum of two months and all reservations must be made at least two weeks in advance, it's advisable to book at least most of the itinerary ahead of time (especially since seat availability can be limited, particularly on popular destinations like Bali and Phuket). If need be, flights can be changed up to 48 hours ahead of time; however, a flight change fee will apply, as well as any difference in fare.</p> <p>Also, keep in mind that you won't be able to check availability until you buy the pass &mdash; so there's a bit of a leap of faith involved (as well as the willingness to be flexible if your dream destination is a no-go). However, Danika Garlotta, who runs the blog <a href="http://www.nodestinations.com">No Destinations</a>, says it's been totally worth it for her and her husband. Having purchased 10 credits, they are currently traveling through five countries and nine different cities with the Asean Pass.</p> <p>&quot;What I love most about the pass is that it offers such an array of cities and countries to visit,&quot; says Garlotta. &quot;Some places we didn't consider before are now on our list, simply because the flight is feasible with the pass.&quot;</p> <p><em>Have you traveled through Asia via an Asean Pass? What advice can you share?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jen-jones-donatelli">Jen Jones Donatelli</a> of <a href="http://www.wisebread.com/traveling-to-asia-snatch-up-airasias-asean-pass">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/8-affordable-amusement-parks-that-are-just-as-fun-as-disney">8 Affordable Amusement Parks That Are Just as Fun As Disney</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-amazing-honeymoons-that-only-seem-expensive">5 Amazing Honeymoons That Only Seem Expensive</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-save-on-baggage-fees">6 Ways to Save On Baggage Fees</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/travel-resources">40 Most Useful Travel Websites That Can Save You a Fortune</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-affordable-alternatives-to-pet-boarding">5 Affordable Alternatives to Pet Boarding</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel airasia asean pass overseas southeast asia travel vacations Mon, 13 Apr 2015 11:00:06 +0000 Jen Jones Donatelli 1379738 at http://www.wisebread.com 10 Life Hacks You Should Master by Age 30 http://www.wisebread.com/10-life-hacks-you-should-master-by-age-30 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-life-hacks-you-should-master-by-age-30" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_cooking_000057441244.jpg" alt="Woman learning to cook by age 30" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are you a 20-something trying your best to transition fully into adulthood? We've all been there. It's time to start developing those go-to skills that will make adult life much easier. Get started on these 10 life hacks you should master by age 30.</p> <h2>1. Changing a Flat Tire</h2> <p>As with most <a href="http://www.wisebread.com/how-to-survive-the-5-most-common-emergency-situations">unexpected emergency situations</a>, you should be prepared for the worst. Sure, AAA is great, but what if you're in the middle of nowhere, or in the middle of rush hour? A flat tire is relatively easy to fix, so learn <a href="http://www.dmv.org/how-to-guides/changing-tire.php">how to change a tire, now</a>. (You can practice in your driveway.)</p> <h2>2. Repairing Your Pipes</h2> <p>Leaky pipes and clogged drains are the kinds of nuisances that we live with until something worse happens &mdash; and that shouldn't be the case. Look like a boss with your wrench or drain snake and <a href="http://home.howstuffworks.com/home-improvement/plumbing/how-to-fix-pipes1.htm">fix leaky pipes</a> without a plumber. Your roommates or your significant other will thank you.</p> <h2>3. Assembling an Emergency Kit</h2> <p>Everyone should have an <a href="http://www.ready.gov/build-a-kit">emergency kit</a> for their home, car, and even for their work desk. Buy three nylon duffel bags, then head to the hardware store and fill them with the essentials. In addition, have a &quot;top five&quot; of close people you'd call for <a href="http://www.wisebread.com/5-people-you-should-have-in-your-personal-emergency-kit">help in an emergency</a>.</p> <h2>4. Mixing a Signature Cocktail</h2> <p>Having a <a href="http://www.popsugar.com/food/What-Your-Signature-Drink-35633409">go-to cocktail</a> that you can make for yourself is a classy life hack that will make you a better host. In the process, you'll likely want to learn more drinks. For bonus points, learn to make your signature drink in <a href="http://drinks.seriouseats.com/2011/12/cocktail-101-how-to-make-cocktails-for-a-crowd-big-batches-martinis-margaritas-manhattans.html">large cocktail batches</a> for parties.</p> <h2>5. Cooking at Least One Dish</h2> <p>Learn how to cook something from scratch! It's about time. It's always impressive to others and delicious for everyone. Pick a dish that requires a mix of multiple ingredients at different times. Spaghetti doesn't count, but spaghetti carbonara does. Start here with some <a href="http://www.wisebread.com/9-restaurant-dishes-you-can-make-at-home">great restaurant dishes</a> you can make at home.</p> <h2>6. Wrapping a Present</h2> <p>How often have you struggled to wrap a gift last minute only to reuse an old gift bag instead? Learn how to <a href="http://www.wisebread.com/15-cheap-clever-and-attractive-ways-to-save-on-gift-wrapping-paper">wrap presents creatively</a> with all kinds of materials. You may find that your recipients will enjoy your gifts even more because they love how beautiful they look before even opening them.</p> <h2>7. Calculating Tips</h2> <p>It's not difficult to calculate a tip in your head. Find it hard to solve for 20% right away? Simply take 10% of the total (move the decimal once to the left), and double that. At group meals in which the restaurant doesn't add gratuity, do the same thing, then divide that by the number of people at dinner &mdash; and make sure they don't add the tip until after they are charged for their share of the total. In the worst case scenario, Google has you covered with a <a href="https://www.google.com/webhp?sourceid=chrome-instant&amp;rlz=1CAHPZY_enUS620US621&amp;ion=1&amp;espv=2&amp;es_th=1&amp;ie=UTF-8#q=how+to+calculate+tip&amp;spell=1">tip calculator</a>.</p> <h2>8. Creating a Monthly Budget</h2> <p>Saving for the future is one of the most important things you can start doing in your 20s. These days, we have tons of programs to help <a href="http://www.wisebread.com/10-sites-and-apps-to-help-you-track-your-spending-and-stick-to-your-budget">track your spending</a> and expenses. Pick one and start budgeting month-by-month. Once you get the hang of it, start a year-long savings plan.</p> <h2>9. Effectively Packing Luggage</h2> <p>No, we don't mean <a href="http://www.wisebread.com/if-youre-traveling-with-these-8-things-youre-overpacking">cramming your belongings</a> into a carry-on! Consider your mode of travel, destination, and duration of the trip. Bring exactly the amount of undergarments, shirts, and pants you'll need, and only essential toiletries. Tip: try rolling your clothes together instead of folding for more space.</p> <h2>10. Mending Clothing</h2> <p>Wardrobe malfunctions can happen to anyone at anytime, so basic clothes mending should be in your repertoire. One should know how to sew a button, quickly re-stitch a hem, patch a small hole, and other <a href="http://www.wisebread.com/make-your-clothing-fit-perfectly-with-these-10-no-sew-fixes">basic clothing fixes</a>. Study a few <a href="http://diyfashion.about.com/od/mendingandalterations/ss/10-Clothing-Fixes-That-Everyone-Should-Know.htm">mending tutorials</a> and start practicing on old garments.</p> <p><em>What other basic life skills have you found essential to know by 30?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/10-life-hacks-you-should-master-by-age-30">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/51-uses-for-coca-cola-the-ultimate-list">51 Uses for Coca-Cola – the Ultimate List</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/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-3 views-row-odd"> <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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-life-skills-that-are-now-completely-obsolete">11 Life Skills That Are Now Completely Obsolete</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-spectacular-uses-for-that-lone-can-of-fruit">8 Spectacular Uses for that Lone Can of Fruit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Cooking emergency household skills travel twentysomethings Tue, 24 Mar 2015 11:00:07 +0000 Amanda Meadows 1351148 at http://www.wisebread.com